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

Today I received an alert from XX/XX/XXXXthat my Victoria 's Secret Comenity Store card dropped my credit limit for no reason. When I called Comenity, I was told by XXXX, XXXX and XXXX ( Supervisor ) that they received a notice from the credit bureau and they dropped my limited from {$400.00} to {$100.00}. I have been with them since 2016. Years of on time payments and no late payments. I had not used the card in almost a year. I have not received any notice from Comenity as to why the limit was decreased. I contacted XX/XX/XXXXand they told me that they advised me they do not report back to the credit card companies. Comenity advised me to write in a dispute to the credit bureau but I do not know what I am suppose to be disputing.
Product: Payday loan, title loan, or personal loan

My payment is set on a reoccurring payment draft for the XXXX. I contacted AquaFinance on XX/XX/16 and asked to reschedule the draft and was advised the draft could not be rescheduled or changed. This seems to be a direct violation the Electronic Funds Transfer Act. The business refused to make adjustments to a pending payment that has not been submitted and was contacted prior to the payments schedule date.
Product: Credit card

We closed on our refinance mortgage with XXXX XXXX using our title company to provide checks for credit card payoffs. 

All cleared- but for Citibank- in less than a week. 

Citibank is almost XXXXhree weeks. 

They have the check. Nothing returned. 

Title company told us they are one of the top three most unethical banks in the United States charging interest for three weeks when they have no reason too. This title company sends out tens of millions in checks for multiple national mortgage companies. XXXX XXXX  XXXX of dollars reaping what Ive estimated at a XXXX dollars or more. Should be illegal. 

I want to know whats going on. 

A Citibank customer for over 30 years. Even venture transactions in the tens of millions. 

I think Ill pull all of that, eh?
Product: Credit card

I had a defaulted credit card with Wells Fargo in the past. In XX/XX/XXXX, I reached out to Wells and we reached settlement terms to resolve my outstanding balance. They agreed to settle my {$5600.00} balance for one payment of {$3700.00}, if paid by XXXX XXXX. I made the payment as agreed. Its now six months later, and Wells Fargo continues to refuse to update my credit report appropriately. Instead of reporting the account as settled in full with no liability, the are reporting that I still owe them money. I have disputed this account with the credit bureaus 5 times, but Wells continues to tell them I have an outstanding balance. I did my part, but they are not living up to their end of the settlement agreement.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/2 Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properly after I asked you to do it TWICE and your neglect has violated my rights, I am demanding a deletion of the following Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been a loyal customer with the U S Bank for over 50 years. Ive had both personal and corporate visa credit cards throughout the years and have consistently paid the monthly payments on time. The interest charges have always been competitive and consistent with my other banks. Although, recently the US Bank substantially increased the interest rate for no justifiable reason. I have contacted the US Bank card services to come up with a solution to this situation but unfortunately the US Bank is not willing to work with me to get the payments back to a reasonable monthly payment. As a senior citizen age XXXX on XX/XX/XXXX of this year, being on a fixed income has put my wife and I in a financial bind. I can understand an interest rate change for customers that consistently make late payments, but in no way should a rate increase be made to a long lasting customer that has made monthly payments on time for many years to current. I am asking for your help to get a resolution to our problem, as well as making sure this does not happen to any other elderly customers that are compliant with US Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

mortgage payment does not show updated or current all 2 bureaus do not update the status but are quick to report when late!
Product: Money transfer, virtual currency, or money service

I used Zelle to send to another person, the person did not have zelle so the money was never recovered because they said there was nothing they could do
Product: Credit card or prepaid card

On XXXX 2019 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Product: Credit reporting or other personal consumer reports

Credit Reporting companies are reporting a Bankruptcy on my credit report.They have notated this information was provided by USBK COURT EASTERN MICHIGAN.

Which is false. The County Recorder of Deeds and the Bankruptcy Courts have
both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U.S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

My inquiry to the County Recorder of Deeds and U.S. Bankruptcy Courts confirmed Equifax XXXX and XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly.
Product: Checking or savings account

In XXXX of XXXX, Wells Fargo sent me a form to fill out for mediation on my claim. Wells Fargo denied my claim in XXXX of XXXX after a person I had never heard of hacked into my bank account and performed a XXXX transfer for almost {$500.00} and left me XXXX and broke. I spoke to a man from mediation and after I told him my experience he assured that he was going to be able to help me get my money back that was stolen out of my account. On XX/XX/2020, I received a letter from Wells Fargo stating that my claim could not be handled through the mediation department and if I wanted to refile a claim to contact their fraud department. I called the fraud department to request that my claim be reopened and the agent was so rude. She firmly told me that my claim was closed and could NOT be appealed because I admitted that I gave my online banking information to a person falsely representing herself as a loan agent. THIS IS A COMPLETE LIE AND MADE UP EXCUSE BY WELLS FARGO SO THEY COULD DENY MY CLAIM. I received 2 successful payday loans and the next day a person I had never heard of before in  my life did a XXXX transfer and stole almost XXXX out of my bank account. I never gave the loan companies my online passwords!!! The only information I provided was my checking account number and my routing number. I have contacted XXXX and their management has told me that WELLS FARGO IS OBLIGATED TO REIMBURSE ME AND DENYING MY CLAIM IS A VIOLATION. I dont understand why I was offered mediation by WELLS FARGO and then told my claim didnt qualify.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations please.
Product: Credit card

I returned a defective laptop and was not given a refund, despite having obtained an XXXX from the merchant. I started a dispute with the store credit card issuer but the card issuer first claimed the return had not been received ( flying in the face of the merchant 's written admissions of receipt and XXXX 's delivery transcripts ), and then claimed I had already been refunded for my return ( on a date preceding my actual order date ). Card issuer is giving me the runaround and ignoring the facts of my case while adding insult to injury. Please find enclosed my full correspondence with the merchant and the card issuer. 

Company : Bread Financial/Comenity Capital Bank XXXX XXXX of XXXX & XXXX XXXX Credit card Date of First Contact : XX/XX/2023 Synopsis of First Contact : Provided detailed evidence of returned defective merchandise, along with merchant 's return receipt. Comenity responded on XX/XX/2023 alleging merchandise was yet to be received - ignoring all FedEx tracking results enclosed, together with merchant 's own admission of return receipt. 
Date of Second ContacXXXX : XXXX Synopsis of Second Contact : Provided additional evidence including but not limited to merchant 's stated intent to liquidate returned merchandise without refunding consumer. Comenity responded on XX/XX/2023 referring to a past credit predating the actual purchase of the merchandise subject to the dispute as having somehow satisfied this refund request. 
Merchant : XXXX & XXXX XXXX XXXX XXXX XXXX XXXX Transaction Date : XX/XX/2023 Transaction Amount : {$6500.00} Disputed Amount : {$4300.00} ( balance remaining after partial credit of - {$2100.00} voluntarily issued by merchant on XX/XX/2023 )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX and was making my payments and making them on time. One day I was notified that my payment went from {$64.00} per month to {$600.00} per month and the new payment was effective immediately. I called XXXX and was told my payment went up because my income changed.I explained to the rep that this was incorrect and not my income had not changed. I made several phone calls only to be told I had to make the {$600.00} per month payment. I was unable to make this amount of a payment and this caused my account to become overdue. I called many times trying to get an understanding but to no avail thus causing XXXX to report the delinquency to my credit bureaus. After several months of the negative reporting I called XXXX again and this time I spoke with a representative and after being on the phone with her for several hours she said the problem was their mistake because they had listed my income incorrectly. She said they had my income listed as weekly instead of the fact that I got paid monthly. I asked if this could be corrected on my credit report since they had made the mistake and she said it should not be a problem but that was handled through another department and emailed me the form to submit. I submitted the form only to receive a response that my dispute was denied. I was not give an explanation and according to their policy I am unable to speak with anyone via phone about this issue. I am requesting that my credit report is corrected.
Product: Checking or savings account

My wife and I deposited a very large sum into our checking account at the time of deposit we were not informed or told in any shape or form there in a couple days they would put a hold on this check it was from the sale of one of our home as a result we have NSF account being charged to my account I have vendor fee is charging me face its been nine days and they still having clear my check. Ive called seven different times to the corporate office and different support within Bmo and they have refused to correct the situation or make it right They are operating with immunity its my understanding. They have a right to put a hold on the check, but they have to inform you the violated federal rules. Can you assist me I am a senior citizen in a retired veteran. This has been very stressful for my wife and I.
Product: Student loan

Hello, I am writing regarding a major concerning issue regarding MOHLEA. They have incorrectly listed my loan balances on my credit report. I have seen on my credit report that they have my loans listed XXXX times on my credit report. So instead of showing a balance of {$290000.00} on my credit report, it is showing my balance as {$880000.00}. This is egregious and is false. I would like to have this rectified as soon as possible. I have contacted MOHLEA and they have made it very difficult to get ahold of them. I am concerned about this inaccurate reporting on my credit report. Please contact them as soon as possible.
Product: Credit reporting or other personal consumer reports

Recently, I did and investigation on my credit report found several items on there to be inaccurate. Under 15 I.S. Code 1681e ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S Code 1681 ( 5 ) Treatment of inaccurate or unverified information ( A ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall/ ( i ) promptly delete that item of information from the file of consumer, or modify that item of information as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnishes of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately self financial inc/ lead XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I called Comenity/XXXX.com customer service and requested that my account be closed as I am disappointed to learn that Comenity practices predatory lending practices. I had a balance of {$230.00} on my XXXX statement and was charged {$120.00} in " residual interest. '' I have never heard of anything so ridiculous. I made a XXXX payment to bring my account to a {$0.00} balance and was charged {$5.00} in " residual interest '' on my XXXX statement. It's not a huge amount of money but it doesn't make any sense. The math does not add up. XXXX and XXXX should be ashamed. I bet there are thousands of people being taken advantage of in this manner and have no way of fighting back. Please help the consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

Account name : XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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 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 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.
Product: Credit card or prepaid card

I was on a payment plan plan, and never missed a payment. In XXXX they took the payment out twice one ACH that I made, and one EFT that I knew nothing about. I asked if the extra payment could be applied to the next month and was rejected. I was told by a supervisor to inform my bank, and have them ask that the funds be returned. Shortly after the funds were returned I received a letter that they would no longer accept this account. I again spoke with a supervisor who said I shouldnt have asked for the return of funds. We then had a conference call with my bank and Barclays. The supervisor told me she would work to resolve the problem, but to call before my due date to make sure my account would be honored. I did this, but the account was still honored. I then gave them a new bank account routing, account number. On the phone the account number was verified three times by a member of the accounts department, and I made the payment and received a confirmation of my on time payment. I then received a letter stating the account didnt exist. I found out from my bank that whoever entered the number added an extra digit. I then received a letter stating that my payment agreement was terminated, and that I owed additional interest. I then talked to another supervisor who said my agreement was terminated, and would not correct the account information. It is my opinion this was a deliberate attempt to negate the contract,.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/23 Someone claiming to be an employee for speedy cash emailed and said I was approved for a loan of {$5000.00}. I completed the necessary documents and verified my bank account information so that the deposit could be made. The deposit was never made and I am now lead to believe I have been scammed.
Product: Credit card

Today I received an email stating that my credit card company, American Express, did not receive my payment and was charged {$37.00} fee. I knew for a fact that I paid it because I have set my bank account to automatically send on the XXXX of each month. This had happened before and they tried to raise my rate to something crazy like 25 %. I thought I had messed up, but looking back I did not and I indeed made a payment. I paid ahead so I knew that when my payment was due on the XXXX of each month that my payment from my bank account would get there in plenty of time. 

I called today and spoke with a representative and yes, I did make 2 payments. I made one on XXXX XXXX that paid XXXX XXXX 's payment and I did pay again on XXXX XXXX to pay the XXXX XXXX payment. When speaking to the rep, she informed me that the XXXX XXXX payment did n't count toward my XXXX payment ( even though the XXXX payment had been made ) because I would have to make it in the month of XXXX to count and I just paid extra in XXXX. This is ridiculous! No other card I have punishes you for making a payment early and tells you that you did n't make your payment and charges you at {$37.00} fee. If I pay early, then a lot of times I do n't show a minimum payment for the next month. My mim payment is XXXX and I am paying XXXX and they are charging a late fee.
Product: Credit card or prepaid card

Cardholder closed account in XXXX. In XXXX, cardholder was notified of an outstanding bill comprised of charges post account closure. Cardholder repeatedly requested an itemized bill be mailed to verify charges and that never happened. It took four months to identify the charges that were approved by GS Apple Card after cardholder canceled the account. Cardholder ultimately paid the outstanding bill that was comprised of unauthorized charges because account was closed. Cardholder did not approve charges nor thought there would be charges on a closed account. No other established credit card company would authorize charges on a closed account ; rather they would assist the cardholder/customer on the issue. Further, Goldman Sachs/Apple Card has made it a priority to damage this cardholders otherwise exemplary credit.
Product: Vehicle loan or lease

I previously submit a complaint about my early lease termination with XXXX XXXX XXXX. My complaint seemed to be resolved and I was told on XX/XX/XXXX that I basically do not have anything else they can possible bill me for. On XX/XX/XXXX, I had a XXXX dealership contact Kia finance to get my remaining payoff balance. My salesman asked Kia Finance for ALL fees, all balances so that way it can be rolled into my new XXXX lease. They gave them a pay off balance of {$2600.00}. XXXX paid that balance. Fast forward to XX/XX/XXXX, I received a bill in the mail for {$360.00} from Kia finance. I called Kia Finance and they told me my remaining balance was {$3000.00} so I am paying the difference of {$360.00}. XXXX specifically asked for ALL fees, ALL remaining balances so why am I stuck with an early termination fee? After contacting Kia finance, this was not resolved and I was told it would be easier to discuss the fee with my XXXX salesman. I called my salesman at XXXX and he had no problem calling Kia to sort this issue out as I should not have ANY bill from Kia finance. Thankfully, Kia finance records calls for quality assurance but when requested by my XXXX salesman for the call to be pulled to show Kia finance that he specifically asked for ALL FEES AND ALL BALANCES, Kia finance said they are not able to pull the call but a manager can do a manager will be in contact with one of us. I have not received a phone call. My salesman has not received a phone call. To my knowledge, I still have a {$360.00} bill from Kia that I absolutely will not pay until that phone call is pulled for proof that they were supposed to give this balance to XXXX. I can not believe the amount of XXXX I have had to deal with during my first lease with Kia. My  salesman from XXXX is completely baffled at this company. The only way this will be resolved is if Kia pulls that call and hears that my XXXX salesman asked for all balances and Kia did not provide him with this random fee. Im not paying it and neither is XXXX so hopefully Kia finance can figure it out amongst themselves.