23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2023 I paid my Comenity XXXXXXXX XXXX  Card balance in full. On XX/XX/2023, I received the XXXX XXXX statement showing a {$2.00} interest fee incurred on XX/XX/2023. 

I placed a call to XXXX on XX/XX/2023, at XXXX, inquiring about this fee as I had paid the account in full on XX/XX/2023. I was promptly told not to worry as it would be waived and credited back to my account. I expressed my concern this would not actually occur and they were *very adamant* they would make sure it would be done. 

As of today, XX/XX/2023, the balance has increased to {$6.00}, which now includes a {$2.00} late fee from XX/XX/XXXX, and another {$2.00} interest fee as posted on my XX/XX/2023 statement. I have placed several phone calls today asking how this could happen when I was assured the initial {$2.00} fee would be waived. The first 2 agents I spoke with today ( XX/XX/XXXX ) assured me it was being credited ( calls placed XXXX and XXXX ) assured me and the account would be closed as requested. The third agent I spoke with told me they were never going to waive the interest fees and this was a result of someone who had poor training and they apologized they could not help me but that I would have to pay or I would incur more fees. 

I don't understand how I could be told after paying off my account IN FULL, that I would have the {$2.00} fee from XX/XX/XXXX, *credited back to my account*, only to be told a month later that was never going to happen. This was only after speaking with 3 previous agents who assured me the fees would be credited and I again, had " nothing to worry about ''. 

It was also made very clear that closing the account was very negative and attitudes and treatment clearly shifted for the worse when I made it clear I wanted the account closed at my request. I am very concerned about incentives or the punitive atmosphere surrounding account closings affecting how customers are treated, especially regarding billing errors/issues. This concern encompasses all Comenity Capital credit accounts as I requested to close a different Comenity account and the same attitude shift was palpable and affected how my concern/problem was regarded. 

In addition to the phone calls, I requested through the message option on the account website to have the {$6.00} credited as I was assured would happen and my account be closed and reported to credit agencies as : Closed at request and Paid as agreed
Product: Student loan

I am in receipt of the attached email from MOHELA dated XX/XX/XXXX. The email states that my XXXX of XXXX billing statement was not sent within 21 days prior to the due date. My due date was the XXXX of the month at the time of the applicable statement. I have attached my billing statement dated XX/XX/XXXX, for my XX/XX/XXXX, due date. I can confirm that per the attached .pdf, I did not receive my paperless electronic statement dated XX/XX/XXXX, on MOHELAs website until XX/XX/XXXX, which was less than the required 21 days. I can further confirm that {$220.00} was indeed extracted from my checking account through XXXX XXXX. The attached XX/XX/XXXX, email states that I have the right to request a refund in the amount of {$220.00} for the XXXX of XXXX payment and that a forbearance will be applied for that month. The month of XXXX of XXXX has already been determined by MOHELA to be an eligible and qualifying payment for the purposes of the XXXX XXXX XXXX XXXX XXXX ( PSLF ). Please see the attached payment tracker. I wish to request a refund in the amount of {$220.00} for the XXXX of XXXX payment. However, if my request will cause XXXX of XXXX not to be considered an eligible and qualifying payment for the purposes of the XXXX program, I do not wish to make such request. In other words, I only want a refund if XXXX of XXXX will still qualify for the XXXX program. My ID is attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified that there was Barclays Bank of Delaware hard inquiry on my credit report on XX/XX/2022. I did not apply for anything involving Barclays. I reached out to there Executive office 7 times in total. I got a scurity link that dis not work but they did not respond to this issue. I reached out again and finally got a phone call from executive team member almost 7 weeks ago. I went through a battery of questions. It was confirmed by this woman that the application waa in fact fraudulant. The information did not even match mine. I was than told the inquiry was being removed however the credit bureau 's as of today have not gotten this information yet and I just confirm this by contacting them again! Why hasnt this infomation which has injured my credit still not been removed? It is almost a year now. 
I want this removed or plan to sue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered my free annual credit report on XX/XX/XXXX. As a result, TransUnion posted an inquiry on my credit report ( listed as XXXX XXXX XXXX ) that has resulted in a hard inquiry being posted to all the free credit scoring agencies. Now my score has gone down. 

I contacted TransUnion for help, but they say it 's not their problem because they do not show it as a hard inquiry. They said the scoring agency needs to fix the problem. 

The scoring agencies get their information from TransUnion and said to contact TransUnion. It 's a no-win situation. 

I researched this and have found out that many customers have reported the same problem last year on the myFICO forum and have n't gotten any results in fixing the problem. 

I believe that TransUnion needs to address the problem since it originates from them. Please help. 

Thanks!
Product: Credit reporting, credit repair services, or other personal consumer reports

The late payments is inaccurate. I wasnt late 30 and 60 days for two consecutive months. how is that even possible? please remove the account. The XXXX XXXX XXXX  XXXX XXXX,
Product: Student loan

I am dealing with loan servicer Heartland ECSI. Initially I was not informed by the company that the student loan moratorium was no in effect for this servicer and received a letter that my loan was over due. Not only did I not receive any prior correspondence about this but the company purposely makes it impossible to use their website or their customer service to receive any information about this until a letter sent XX/XX/2022 which I did not receive for another month. Additionally, I was not even notified by my school or the company that my loans would be sent to Heartland ECSI before the letter that my payments are overdue. I have tried to make payments over the phone and over their website multiple times with no luck besides being sent in circles through their phone system and website. It is clear from their reviews that they are overtly involved in XXXX lending as they have over 100 1 star reviews. Although I think this company 's practices are XXXX  I would at least like to be able to pay my loan so it doesn't effect my credit score but they have made even this impossible. It is clear to me that they want me to default on my loan so they can collect the money in larger amounts as they overtly make it impossible to deal with any facet of their company, I have literally been unable to connect to any customer service through their website or phone service.
Product: Credit card or prepaid card

Tried to use my card to pay for emergency car repair for my child and was told my account is frozen and I cant use it until they do a review. I just used it previously and was not told by the company that anything like this was going to occur or anything. They just blocked my card and froze my account and said to wait for an email!!! I have spent the past 3 hours and no one can tell me anything ...
Product: Checking or savings account

I submited a dispute with my Bank TD on XX/XX/XXXX under the case XXXX XXXX, for 5 trasnactions made on XXXX XXXX and XXXX at XXXX XXXX XXXX 
The merchant never sent the items to my address and until today I never get the purchased items. 
The bank requested a letter explaining the case, and also the receipt of the items. 
I sent them on XX/XX/XXXX and today XX/XX/XXXX I called to know about the status of this claim and they told me that the transaction XXXX was denied because the seller didnt answer them and the other transactions are still in process.
Product: Credit reporting or other personal consumer reports

Company hasnt mailed requested information validating closed accounts. Under FRCA ALL INFORMATION ON A CONSUMER REPORT MUST BE ACCURATE. REMOVE CLOSED ACCOUNTS, STUDENT LOANS ACCOUNTS NOT MINE REMOVE, XXXX XXXX ACCOUNT REMOVE NOT MINE. XXXX XXXX XXXX  INQUIRY REMOVE I HAVVE NEVER SIGNED ANY CONTRACTS WITH THESE COMPANIES.
Product: Credit reporting or other personal consumer reports

According to my credit report, I noticed my privacy rights were violated. 15 U.S.C 1681 section 602 A 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 an 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 seven years. 15 U.S.C.

1681s-2 ( A ) ( 1 ) 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 that are in violation of my rights are listed below.
Product: Credit card or prepaid card

I have a Wells Fargo credit card that I paid off. Before I did, I had zero issue paying the balance or paying on time. I XXXX out their card in the process of buying a house. 

A subscription service that I tried canceling 7 times, that kept charging the card without my knowledge. The second I realized, I paid the amount ( around {$10.00} ), but it was already past due. I tried explaining that this was unauthorized use of the card. I also explained that due to the nature of us closing on a house within 30 days, this is an urgent matter, since it was reported as a late payment. They will not remove the mark regardless of the fact that it was unauthorized, and at one point, a rep told me once you use the card once with the merchant, you gave the permission permanently. This is a load of XXXX, and I know that. 

Ive been trying to get them to remove the late payment for two days ( XX/XX/XXXX-XX/XX/XXXX ), and everyone is kicking me around. They know that this is about to lose me my house, but everyone tells me whoops get over to that department. I dont care about paying the amount, but the part that bothers me is that I am disputing the validity of the charges, I have been a good and upstanding customer for years, Ive never had an issue in the past, and they refuse to just tell me how I can contact the right people. They literally told me that they dont know how to contact their credit bureau, who it is, contact info for the credit bureau, or a timeline or if they are trying to remove it. To make it all better, they just kick me around and refuse to give me contact information while I BEG them to just give me a way to contact the right person. 

I also had a rewards balance that MORE than covered the balance on the card, but they didnt use it and they didnt allow me to apply it to the erroneous balance on the card. Seems like if you have money of mine already, you should probably just use it. 

At the end of the day, the charges were fraudulent, and I paid them regardless. Im not asking for money back. Im not asking for them to do anything except undo the damage. I just want to be treated like a human being and have compassion to the gravity of the case. Im buying a house and I cant wait for them to kick me around to 30 more departments over the next 3 months, when its not money I even tried to spend. To make it all better, my wife is XXXX and we are terrified our loan is in jeopardy. Were about to be homeless and Wells Fargo is just saying sit on your hands.
Product: Credit card

I purchased online from XXXX a smart glass on XX/XX/XXXX. 

I requested a refund on XX/XX/XXXX I went to XXXX on the same day XX/XX/XXXX and shipped back the product. 

Waited a few weeks to get my money back. Didnt receive it. 

I called my credit card company and filed a dispute. 

I sent all these supporting documents to capital one : Proof of purchase Proof of cancellation XXXX return with tracking ID I have uploaded to their system and also emailed their representative on XX/XX/XXXX. 

After many calls, and run arounds excuses. Now they are saying they wont give my money back. Conclusion : I bought a product, returned within their cancellation period, didnt receive the money back, neither I have the produ
ct.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also state a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. This is in regards to XXXX.
Product: Debt collection

The Radius Global Solutions Company has been calling my phone and sent me a letter in XX/XX/2022 stating that I owe them money from the debt I owe from XXXX XXXX. They have been calling my phone number ( XXXX ) XXXX XXXX. They use the number ( XXXX ) XXXX in contacting me several times and different times of the day too. They did not send me a copy of the validation of debt.
Product: Student loan

I recently refinanced my loan ( after a lot of hard work ), and discovered that I previously made payments to the loan equal to almost twice the original loan amount. This sounds crazy to me, and I think I may have been taken advantage of by the loan provider. Please note I only finished my degree ( XXXX ) XX/XX/XXXX, and the original loan taken out was for my degree. 

The original student loan was for : {$42000.00} I noticed they gave me an obscenely high interest rate of 11.75 % - unsure if that was even legal in the first place. I simply do n't know, and am concerned I was taken advantage of. 
In their summary I see the following : Payments To Date {$80000.00} Principal {$64000.00} Interest {$16000.00} Late Fees {$0.00} I wanted to know if there is any protection for consumers when a loan provider takes advantage of us. Is there any protection so we do n't spend almost two times the original amount. I would be debt free right now if it was n't for them.
Product: Debt collection

i was living with a roomate he was from XXXX. one day i came home and the guys move out taking mu personal stuff ID social security card and more documents and this person beside that he work with my social and let me wiht a big debt wiht the XXXX  and asking to any bill from XXXX XXXX XXXX to be Remove i have done these claim more than 5 time with the same account and they remove it and give it to another debt collect company! plase dont bother me anymore wiht this bill i dont owe be cuz i was a victing of identity theft Im just want let know XXXX physician to stop collect and bother me like 2 twice in a year since 2016 my Credit is importan to me! We can go to court if that want they want to!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian and XXXX are reporting closed accounts as currently late by placing information inaccurately onto my consumer report. XXXX XXXX account was paid and closed in XXXX of XXXX. However, I am currently being reported as currently late every month while showing a XXXX balance. ( See attachment ) XXXX XXXX XXXX Nevada is reporting this information purposely in this way to lower my score. The credit agencies have said that their hands are tied with respect to updating the information and that I would have to subpoena the results of the investigation if I wanted them. I have never received any results of the investigation I am requesting showing that the furnisher updated the CRA with accurate information. 

Furthermore, per U.S Code 1692a my transactions and experiences are not to be shared with anyone except the organization and this is a direct violation of my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Kindly block and remove these unauthorized accounts from my credit report immediately. I did not authorize or initiate these accounts and have no knowledge of their source. As outlined in USC 1681g, I formally request their removal within XXXX  days. Enclosed are the relevant documents for your review and reference.
Product: Credit reporting or other personal consumer reports

Equifax has several inquiries I neither authorized, requested, nor that culminated in any retail credit contracts on my personal credit report ( PCR ). 

XXXX XXXX XXXX XXXX ' ( undisclosed business type ) for XX/XX/XXXX were not authorized by me. 

There is no corresponding retail contract of sale nor extension of credit corresponding with these phantom entries, and I am unsure if they are actually some form of Identity Theft attempt. 

Coupled with an unrecognized inquiry by XXXX XXXX ( unknown entity ) on XX/XX/XXXX, I would respectfully request Equifax remove these unwarranted inquiries as per the US Federal FCRA, as they are in violation of 15 USC s/s 1681b ( permissible purposes ). 

Also appears as : XXXX XXXX XXXX ' and XXXX XXXX XXXX ' on XXXX.
Product: Debt collection

I deny this is my debt and if it is my debt, I deny that it is still a valid debt and if it is a valid debt, I deny the amount requested is the correct amount. I acknowledge and have no contractual agreement with Afni
Product: Checking or savings account

I opened an account with Wells Fargo with an offer to receive a {$200.00} bonus if I set up a direct deposit and receive {$1000.00} or more in direct deposits in the first 90 days. 
I followed all the necessary steps correctly and below I will paste the proof that I opened the account on XX/XX/XXXX and I set up direct deposit on XX/XX/XXXX! 
The direct deposit was for almost $ XXXX and I supposed to receive almost {$2700.00} in the first 90 days into my Wells Fargo account.I don't know why the Social Security administration  did not set up direct deposit on time or took so long to direct deposit my social security benefits into my Wells Fargo account but this is beyond my control and it is not my fault! Maybe Wells Fargo should have allowed more time for those conditions to be met also since it takes so long to set up a direct deposit by the social security administration. I did everything that was required and I should receive the bonus. Please see below the proof that I did everything correctly and in a timely manner and please apply the {$200.00} bonus into my account! Thank you! 
Account number XXXX Below is the proof that I set up direct deposit into my Wells Fargo account on XX/XX/XXXX, in the same day I opened the account XXXX To : XXXX Wed, XX/XX/XXXX at XXXX XXXX Dear XXXX XXXX XXXX XXXX This E-mail notification is to confirm the recent update made to your direct deposit payment information. As you requested, your Social Security payments will be sent to the new account you selected. 

If you did not initiate this update or have questions about this recent update, please contact us immediately at XXXX ( TTY XXXX ), or visit your local Social Security office. To access your My Social Security account information, please visit www.socialsecurity.gov/myaccount and sign into your account. 


my Social Security | SSA my Social Security | Open a my Social Security account today and rest easy knowing that you're in control of you... 




Important Information Please do not reply to this E-mail, as we are unable to respond to messages sent to this address.
Product: Debt collection

I XXXX XXXX just finished paying off old credit card debts through XXXX XXXX XXXX. Portfolio Recovery Associates maintains that they purchased one of these debts from XXXX XXXX, back in XXXX. I state for the record that I know Portfolio Recovery Associates has told me directly that all references to the posted collection will be removed within XXXXdays from the last payment of XX/XX/XXXX. I respectfully request that this collection be removed on all bureaus, i.e. XXXX, XXXX and XXXX XXXX respectively. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted Transunion about the following incorrect information on my credit report. To this date they have not responded. 

Your agency is reporting inaccurate information for the account XXXX XXXX  ( Date Opened : XX/XX/XXXX, XXXX : {$290.00} ). I recall my original creditor to be XXXX XXXX XXXXXXXX XXXX which is obviously a different company than the one you are indicating. Moreover, I have never had any contract with the company you are reporting, and I have never been contacted by them. Your agency has provided false information about the Balance of {$290.00}, which is higher than I believe it to be. As a result of these inaccuracies, I am disputing this entire account and requesting verification of the Date Opened and Date of First Delinquency. 
The information presented for the account XXXX XXXX ( Date Opened : XX/XX/XXXX, XXXX : {$150.00} ) is also inaccurate. The original creditor on this account is a different company than the one you indicate - XXXX XXXX. You have reported a higher Balance of {$150.00} than the amount I believe I owe. I dispute this account due to these inaccuracies, and I also request verification of the Date Opened and Date of First Delinquency. 
The information presented on the account XXXX XXXX  ( Date Opened : XX/XX/XXXX, XXXX : {$130.00} ) needs to be investigated. The original creditor for this account is XXXX XXXX XXXX XXXX, but I have not been contacted by XXXX XXXX. The Balance amount of {$130.00} is inflated and inaccurate. I do not recognize this amount and I believe I owe a lower amount. As a result of these inaccuracies, I dispute the entire account and request verification of the following dates : Date Opened and Date of First Delinquency. 
The information presented for the account XXXX XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$400.00} ) is also inaccurate. The original creditor for this account is XXXX XXXX, but I do not recognize the company stated on this account, XXXX XXXX XXXXXXXX XXXX, as I have never had any contract with them. The Balance of {$400.00} is not reported properly, as I recall the balance to be lower. As a result of these inaccuracies, I dispute the entire account and request verification of the following dates : Date Opened and Date of First Delinquency.
Product: Debt collection

Comenty Bank has several account that are not mine on my report. I have disputed these account but have been unable to rectify this issue. The accounts with opened without my consent.
Product: Debt collection

American Coradius International LLC has willfully and knowingly violated Federal consumer laws. They have commited multiple FDCPA violations which includes contacting I, the consumer, without prior consent pursuant to 15 USC 1692c ( a ). Cease and Desist order was mailed out XX/XX/2021 and they continue to contact me about this allege debt pursuing payment which is a direct violation of 15 USC 1692c ( c ). Attached are all records of mailing and Bill of Particulars.