23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I hope this message finds you well. Im reaching out to see if youd be interested in investigating what appears to be predatory billing practices by Comenity Bank, the financial institution behind Alphaeon Credit. My mother and I, like many others, have experienced ongoing issues with payments, unexplained fees, and poor customer service that have left us questioning the integrity of their business practices.

Heres a brief overview of our situation : We applied for preapproval for the credit card to cover my mother 's XXXX  XXXX in XXXX, and the account was opened on XX/XX/XXXX, even though the first XXXX was scheduled for XX/XX/XXXX. To our surprise, we were charged a late fee in XXXX, despite not using the card until the XXXX on XX/XX/XXXX. 

Since my mother had XXXXXXXX XXXX XXXX scheduled, Alphaeon opened two lines of credit under a single account number to address her medical expenses. However, when we made payments, they were only applied to one of the lines of credit. 

Despite making timely payments, Comenity consistently applied these payments to only one line, leading to late fees and negatively impacting my mothers credit score.

Upon inquiry, customer service informed us that we must call each month to manually request the splitting of payments between both lines of credit, a process that feels both unusual and burdensome.

Most concerning is that Comenity held our XXXX check for nearly two weeks before processing it. Subsequently, they charged us a late fee, despite our proof of timely payment, and they have no record of receiving the paymenteven though we can confirm that the check was cashed.

As frustrating as this experience has been, weve learned that this is not an isolated case. Many customers are reporting similar issues, as detailed on consumer complaint forums like XXXX, XXXX, XXXX. The consistency of these complaints suggests there may be a larger, systemic issue at play, possibly amounting to predatory lending or fraud. Heres another consumer from XXXX saying a credit line was opened without their consent, similar to what happened to us before my mother got the XXXX. 

Weve attempted to resolve this directly with Alphaeon and Comenity, but both companies continue to pass the blame, with neither willing to take ownership of the problem. Given the severity of these practices and their impact on vulnerable customers like my mother who is a senior citizen, I believe this situation warrants further investigation. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

Could not explain all the charges and interest balance would go up after each payment
Product: Money transfer, virtual currency, or money service

On XX/XX/2024, I was scammed by a person with the name attached to the files I linked. I had placed my XXXX equipment on XXXX marketplace for {$600.00}. I was sent a message with an offer to buy for the listed price and told me to mark as sold. I agreed to the offer thinking the buyer was ready to buy. Zelle was used to complete payment, the buyer had asked for information to find zelle account. Then was told money was sent with a screen shot showing now knowing they most have edited a document or we page showing it sent. The buyer then told me I had to send them {$300.00} to upgrade account to a business since it was over a set price. In the files listed, I have conversation of the scam and how I was forced to send money. Will provide any more details of needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Received a letter from XXXX XXXX company stating my information had been leaked in a data breach on XX/XX/XXXX. I since have started looking at my credit and noticed several hard inquires for loan, home loans, and auto that I never performed or asked these companies to run my credit. I have called all credit burros to report the issue and have these inquires removed with no solution and are still reporting on my credit. I have also called each company and they have stated my information was entered online. 

Inquires are from : XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX There is also a double account for {$87.00} the original creditor was XXXX which is still reporting to my credit file as passed due then there is also a XXXX XXXX which bought this debt from XXXX. I have settled with them and the debt is paid i would like both removed from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a complaint with capital one on the following dates : XXXX XXXX XXXX All for the same issue of my current credit card Which was opened on XXXX XXXX not appearing on my XXXX credit report. I have filed a complaint directly with XXXX and it still has not been resolved. Inaccurate data is being reported and that is not okay. The inaccuracy of reporting is causing a great financial burden for me and my family.
Product: Credit reporting or other personal consumer reports

Inaccurate information was and is currently being reported on my consumer report. They reported wrong dates and accounts. This information is being reported from XXXX, Transunion, XXXX XXXX, to Please remove the late payment remarks on my consumer credit report because they are inaccurate, and the following accounts also are inaccurately being reported I have no knowledge of these accounts, nor do I have a contract with these companies. I requested XXXX and theses companies XXXX XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX, XXXX, XXXX XXXX to conduct an investigation on these accounts. All these companies failed to provide proof of the investigation on the first request of XXXX days and on the second request of over XXXX  days. 
Account Numbers from XXXX, XXXX, and TransUnion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XX/XX/XXXX2023 XXXX XX/XX/XXXX2022 XXXX XX/XX/XXXX2022 XXXX XX/XX/XXXX2022 XXXX XXXX XX/XX/XXXX2023 XXXX XX/XX/XXXX2022 XXXX XX/XX/XXXX2022 XXXX XXXX XX/XX/XXXX2022 XXXX XXXX XXXX XX/XX/XXXX2022 XXXX XX/XX/XXXX
Product: Debt collection

I use to work for this company and they fired me since they have fired me they keep calling me I've had to block them sending letter or what they will do is update your file like you called in. they pay you to harass people I quit because of that issue SIMONS AGENCY NEEDS TO BE SHUT DOWN. I haven't worked for them since 2018 why am I still being harassed?
Product: Credit reporting or other personal consumer reports

Hi, I am reaching out about the following information provided below. The items listed on this document that have been reported on my credit is incorrect. This information needs to be removed due to inaccuracy. I am a victim of Identity theft and the accounts listed below are unrecognizable charges. I reported the theft of my identity to The Federal Trade Commission, and Ive obtained enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I am respectfully requesting the removal of the inaccurate accounts and inquiries that were reported on my credit report. I appreciate the help. Thanks in advance. 
Ive noticed these problems on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT BY A GUY I WAS DATING. I SHOULD'VE KNOWN HE WAS NO GOOD WHEN HE SO EASY TO STOP TALKING TO ME AFTER I LET HIM STAY WITH ME FOR A WEEK. I NEVER USE MY CREDIT BUT I TOOK A LOOK AT MY CREDIT REPORT AND NOTICED THERE IS SOME FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE BLOCKED WITHIN THE NEXT 4 DAYS. I'M WILLING TO PRESS CHARGES ON XXXX XXXX IF HE IS CAUGHT! 


FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Student loan

My payment was XXXX with the save plane. I consolidated my loans and now the payment is XXXX. I can't afford that
Product: Bank account or service

On XX/XX/2017 I was at Chase bank located at XXXX, XXXX, CA XXXX. I put my Paycheck for XXXX in ATM machine and the machine ate my check, never putting it in my account or giving my a receipt. The machine then turned off and I was unable to retrieve my check. I immediately informed the manager and they advised me I needed to make a claim # XXXX.During the next month and a half they continued to add numerous fees, lie to me on the phone stating the claim was settled. They were incompetent and rude at the XXXX and XXXX. I have lost many hours of work and stressed out trying to resolve this issue. Then once again I filed a claim on XX/XX/2017, claim # XXXX for a returned brand new cellphone. They issued the refund then took it back. So today during the week of XX/XX/XXXX I was advised that they could not find my paycheck from initial claim # XXXX so they took the money back out of my account which had me minus below and then once again numerous fees incurred. I am so unhappy with this customer service. I am occurring fees everyday and they refuse to let me close the account. This is two months later. They said they could not find the check fromthe company that retrieves the checks from the machine. I know that the checks are taken out at least once a week. So thenit was stolen or lost by Chase employee. 
I want my account closed with zero balance! If it is not closed by XX/XX/XXXX I am taking matters higher up to the media. I have family members working at numerous entities whom I already told. 
I have also been so stressed it is causing me to see my XXXX Many times which are all documented. Please help me close this account and resolve this issue before I seek aggressive legal action. I do n't want this hanging over my head any longer. My account # is XXXX. XXXX XXXX thank you
Product: Credit reporting

I am initiating this final dispute in referenced to the accounts that I have original disputed above. I have disputed these accounts information as inaccurate with Equifax, and Equifax has come back to me and stated that they were able to verify these alleged debts. How is this possible? Under the laws of the FDCPA, I have contacted XXXX XXXX XXXX and XXXX XXXX XXXX myself and have been unable to get them to verify that this is indeed my debt. 
I enclose copies of my requests for them to " Validate '' these alleged debts, and the receipts showing that I sent these letter certified signature request. These debts are not mine and I was given any evidence of my obligation to pay these alleged debts to the collection company 's listed above in this letter ( XXXX XXXX XXXX and XXXX XXXX XXXX ). 
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified, you are obligated by law to remove the item. There is a clear case of unverified debt here, and I urge you to remove this item before I am forced to take legal action. 
In the event that you can not verify the item pursuant to the FCRA, and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 
I would also like to request that a new fully updated copy of my Equifax credit report be mailed to me at the address listed above in this letter. 
As you can see I am keeping a very detailed record of all my correspondences with Equifax. 
I look forward to a speedy resolution of this matter.
Product: Debt collection

Budget Control Svc  s (   XXXX    XXXX   ) has placed a derogatory collection on a working mother's- ( name withheld )  XXXX   XXXX  credit report in the amount of {$5100.00} for services they claim were rendered on her adult  XXXX   year old  daughter in  XXXX  of   XXXX  . (  4 1/5 years ago ) 1.  The working mother is not legally responsible for charges of her adult children. The work of inserting metal pins for implants can only be done on adults, not children.   2. She did not even take her daughter to that dentist nor did she fill out any paperwork.   3. The dentist  XXXX   XXXX  says performed the work no longer works there and says he was never paid by   XXXX   XXXX   for this work, currently lives in  XXXX  and knows nothing about this issue.    4.  The work in question was actually performed by a different  XXXX   XXXX  nearly 2 years later and we have a receipt.    5.  The Colorado statute of limitations has now passe d for Budget Control o r  XXXX   XXXX  to pursue legal remedies.    6. Budget Control  is now illegally harassing an innocent party with malice with no hope of resolving the matter.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an unauthorized hard inquiries on my credit report. I have recently obtained a copy of my credit report and noticed a hard inquiry listed that I did not authorize. 

I understand that hard inquiries can negatively impact my credit score, and it is important to me to maintain an accurate credit report In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The accounts below have violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address my ongoing concern and dissatisfaction with the persistent challenges I have encountered in correcting the late open account information associated with my profile. Despite multiple attempts to rectify this issue through various channels, I am disheartened to report that the problem remains unresolved. 

I initiated the process to address the late open account discrepancies by submitting formal requests through your online platform, contacting your customer service department, and visiting the branch in person. Regrettably, these attempts have not yielded the necessary corrections, and the inaccurate information continues to impact my financial standing. 

The delayed opening of these accounts has caused significant distress, affecting my financial stability and hindering my ability to engage in various financial transactions. Despite my persistence in following the prescribed procedures, the lack of resolution has left me frustrated and concerned about the long-term impact on my creditworthiness. 

In light of the above, I am requesting an immediate and thorough review of my case. I expect a comprehensive investigation into the reasons behind the delays in opening my accounts and a transparent and communicative process for keeping me informed on the progress of the resolution. 

If the necessary steps are not taken promptly to correct this situation, I will be compelled to escalate this matter to regulatory authorities and explore legal avenues to uphold my rights as a consumer. I am asking for your assistance to correct this late open account in my credit file : XXXX XXXX XXXX Balance Owed : {$670.00}.
Product: Credit reporting or other personal consumer reports

Recently I looked at my credit report, and I noticed one of my accounts reporting some inaccuracies. This account is reporting a late payment for XX/XX/XXXX. This account is also reporting closed for XXXX, but paid for Experian, and XXXX. This account was also never late. This account is also reporting different dates for date opened XX/XX/XXXX XXXX, and XX/XX/XXXX Experian and XXXX. On Experian this account is reporting 30 days late, but on XXXX and XXXX this account is current. Date last reported is also showing 3 different dates XX/XX/XXXX XXXX, XX/XX/XXXX Experian, and XXXX XX/XX/XXXX. Date of last payment is showing two different dates XX/XX/XXXX XXXX, and XX/XX/XXXX Experian. According to 15 U.S. Code 1666b, this unauthorized late payment must be removed and updated. This late payment and these inaccuracies violates my consumer rights. 

Account Name : XXXX Account Number : XXXX
Product: Credit card or prepaid card

I pay all my bills on the first of the month, as I have for decades, which is why I never get late fees. A few months back I paid my bills on the first as usual, but there must have been a problem with the mail because CITI says I got the bill late and docked me a late fee of {$38.00} for a charge of {$15.00}. I called them up and they would not waive the fee after fifteen years of never making a late payment. There should be some wiggle room here because the United States Postal Service is not infallible. Also, the late fee should not exceed the amount owed.
Product: Credit reporting

XXXX, Equifax and XXXX are NOT reporting or do NOT have accurate and current data on my VA Home Loan with XXXX and it has caused a XXXX-XXXX point drop in my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  has been reporting false account balance information on my Equifax report for 2 reporting cycles and it has been interfering with my credit for a loan. XXXX XXXX XXXX  is reporting 100 % credit utilization when current statement shows 0 % credit utilization.
Product: Checking or savings account

On XX/XX/XXXX, my account was compromised. I believe this happened because I received a phone call from a company posing as Credit Karma asking if I had opened a new credit card. I said no and they said they were sending me a one time code. I provided the code that I was sent from Credit Karma. They said that the code was incorrect. Then they called back and followed the same process. The second time they informed me that it was successful and the card was cancelled. Both of these calls were all automated. Approximately XXXX hours later, I saw alerts that there were transactions being made on my account. They were all to XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX The amounts were for {$190.00}, {$140.00}, {$130.00}, {$89.00} and {$2000.00}. The transaction for {$2000.00} declined for insufficient funds. The other transactions amounted to {$570.00} and was equal to all of the money that I had in my account. These transactions were not authorized or initiated on my part. I immediately called the number on the back of my card to report the transactions. I was told that there was nothing that could be done at this time and that I would need to call the next day to report the issue. I reported the issue and was told that this was going to need to be handled by two departments, the fraud department and the disputes department. I made complaints with both departments. The fraud department alerted me that all of my information on my account had changed relating to my phone number, email address and password. They reset this information and provided me with new account numbers for safety. They also informed me that a new digital card had been created an it was the card that was utilized for these transactions. I have never created a digital card and certainly never used one. 

The disputes team told me that there was nothing that could be done until the transactions posted to my account. I called back daily to file a dispute but was not allowed to file the dispute until XX/XX/XXXX. I received notice back on XX/XX/XXXX that the research had concluded and that they found that " no error had occurred. Regulation E only covers unauthorized electronic transactions. Since this is a charge you did authorize it is not considered to be fraudulent activity. '' I have called back to complain and they said that they would re-open the dispute. I filed a police report and submitted that to Credit Karma as well. I can now no longer get any response from Credit Karma when I call or email. What can I do to get my funds restored to me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked  XXXX  to verify the account and they still have not even after 4 certified mail request to do so, I currently have a lawsuit against them, as well they marked my account late 30 days several times and I never got notifications but by the credit reports after the fact, I have not seen the car for 2 weeks after purchase as I was a supposedly a co-signer, they also failed to place on my credit report that the account has been disputed by me.     I also have lawsuits agains  XXXX ,  XXXX  and Experian for not doing anything about this unverified account even though they have been told about it via certified mail numerous times and they have not responded to any of my letters for verification as well
Product: Vehicle loan or lease

I sent VWCREDIT {$13000.00} certified check with the Bill of Sale and Odometer Disclosure statement on XX/XX/XXXX. 

I was notified by letter via USPS on XX/XX/XXXX the two documents were rejected, - the odometer number had an illegible number, they couldn't tell if the last digit was an XXXX or a XXXX. 
-The Bill of Sale had lines drawn through the co-owner signature line, it needs to remain blank if there is one owner. 
I resent both documents. 

I learned on XX/XX/XXXX the Bill of Sale was not received. I resent. 

I learned on XX/XX/XXXX the odometer disclosure was rejected as it was not dated. I re-faxed. 

On XX/XX/XXXX I learned the Odometer statement was not received, their fax machine was " not updating ''. I learned during this conversation the Bill of Sale was still also rejected, they claim to never have received the corrected version sent in XXXX.
Product: Checking or savings account

Hello, I have been transferring money from my XXXX account into my USAA account, for years now and have never had a problem. About a month ago I transferred over XXXX $ into my USAA account in order to pay off my credit card. Since then, every time I transfer money a hold get put on my account. Right now I have XXXX $ on hold. I transferred that money on XX/XX/2018, it immediately appeared in my USAA account. On XX/XX/2018 that money was removed from my XXXX account. I called USAA to try and resolve the problem, I was told that the hold will not be removed until the XX/XX/XXXX. I was informed that there was nothing they could do, and that it had something to do with the the bank to bank transfers not receiving their money, I fail to see how that's my problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX Company keep reporting into my credit report in my credit report I wrote them several time plus I sent letter to all three credit bureau nothing been solve please I need help solving this. Federal law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, or incomplete, you have violated federal law I expect you to make a reinvestigation immediately. my social number is XXXX