23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

I was told about a promotion Citizen 's Bank was offering that you would receive {$200.00} if you opened a checking account with them and used their bill paying feature online to pay XXXX bills which had to clear by a certain date. I opened my account in XXXX. In late XXXX I called the customer service line to clarify when the XXXX bill payments had to be made by, the representative was n't sure of the promotion so she instructed me to contact the branch in which I did and was told that the bills had to be paid by XXXX XXXX, 2015. All XXXX of my bill payments were made before that date. I was also told that I would have my bonus by XXXX XXXX. On that date, I did not see my bonus credited to my account, I called customer service again in which they told me that the date for the XXXX bill payments was now XXXX XXXX, and that it was posted on a flyer, which I never received because I heard about the promotion from word of mouth and there was also nothing on my paperwork stating that was the date. If they did not put that information in writing how was I to know when the date was besides what the person told me over the phone. Since I called them on XXXX XXXX I have gotten nothing but excuses about why I did not qualify instead of the staff making an effort to understand my situation and see that I should qualify for the bonus based off the information that THEIR employee gave me. I feel like the bank is using this promotion to lure customers in and intentionally finding ways to avoid having to pay out the bonus. It has been a very unpleasant experience and I feel like I was treated as just a number instead of a human. In a time where the economy is struggling it is very disheartening to be told that you will receive something and then not get it after waiting. I still feel that I am owed this bonus but due to the terrible customer service at this institution and dishonest communication on their part I am sure they will continue to find ways to tell me that I did something wrong. I encourage people to not waste their time opening up an account with this institution just to be lied to and given the run around.
Product: Mortgage

I entered a mortgage contract with KeyBank in XXXX XXXX XXXX. This was a fixed rate mortgage at 3 % for XXXX years with taxes escrowed. In XX/XX/XXXX the monthly payment went up and it was assumed that it was tax-related, but then in XX/XX/XXXX, KeyBank tried changing the mortgage from the original contract rate of {$1100.00} to {$1800.00} a month. I was seething because clearly it made no sense. I fought back and they " investigated '' it multiple times, and kept coming back with new figures that I kept protesting. The only mortgage raise should be related to nominal tax raises that occur annually. They said they investigated and told me I now owe XXXX. I argued. They investigated. Okay, now they told me I would owe XXXX. I argued. Then over XXXX months they continued to investigate and then they told me it is now {$1200.00} a month ( from original {$1100.00} ) and I settled for this, though not comfortable because it seemed random. They explained it as having been doubled charged taxes or something like that. They were never really forthcoming, and always very curt, and could never explain things in laymens terms or in any way that made sense or built trust. Let 's face it, I'm currently paying {$100.00} dollars more a month than what I was contracted to pay and I don't even know if that is a right figure. I thought this nightmare would be over, but then in XXXX XXXX XXXX ( a couple of weeks ago ) they sent me an updated mortgage payment schedule for guess what amount ... {$1800.00}! The same thing they did last year. I finally decided to file a complaint here. Actually, I filed it with the XXXX  and they said they sent it to you guys and I decided to write a unique complaint here. From {$1100.00} to {$1800.00} on a {$120000.00} property at 3 % interest. The math never made sense, they changed the contract, and they have handled this year after year with a ridiculous approach and assessment and it's a breach of contract. I do not want to deal with them directly anymore on these problems. I want a third party to review my mortgage from XXXX XXXX XXXX to present, find out what I actually owe, ensure that these egregious errors stop happening, and reimburse me if I have been overcharged in the last three years of having this mortgage, per the contract. I am a XXXX year old, have worked hard to ensure this mortgage payment is met faithfully, and can not afford to pay more money because of KeyBank 's mistakes. I want this rectified once and for all. I would have refinanced by now, but I can't even do that because the interest rates are so high now. So, I'm trapped with this banking institution that consistently failed this mortgage management.
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 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 XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Harris and Harris repeatedly calls and asks me to call their number XXXX .... I see they are a debt collector in the XXXX area. I have no debt, so they are not calling for me. XXXX XXXX made each unwanted robocall a {$10000.00} fine. They have robocalled more than XXXX times. How do I make it sop? How do I get my money from them? 

This is harassing and ridiculous!
Product: Credit reporting

I called XXXX XXXX in XX/XX/XXXX to discuss that my hours were reduced and I needed some assistance to help me reduce the amount of the payment required each month. I was told that I had to default XXXX month before I could receive any help with their financial program. I refused to be late on my payments and decided to pay what was required each month. I called XXXX in XXXX to ask why I had no credit available when I did and I was told by a representative that I called in and requested to close my account. This was not true. I never asked that my account be closed because I knew that this would reflect negatively on my credit report. I asked them to investigate who reported this information to the credit bureau and I was not able to get an answer. I also requested the tape be reviewed that records the calls when a call is made to speak to a customer representative that is suppose to be taped for quality purposes. I got no response from them. I sent a letter disputing that I closed the account. I never received a response from them. The resolution im looking for is for XXXX to admit that falsely reported to the credit bureaus that I requested to close the account when I did not. Admit that they closed the account on their behalf for no apparent reason. I tried to do the right thing by contacting my creditor to let them know I was experiencing some financial hardship seeking some kind of remedy to help my to stay on track and my obligation to pay my debt as agreed. Instead, they lied an reported erroneous information to the credit bureaus destroying my credit rating.
Product: Credit card

I applied for a chase marriott rewards card the was supposed to come with a XXXX bonus points after spending {$3000.00} in 3 months. Chase sent the card to me and let me spend {$3200.00} dollars then 6-8 weeks after sending me the card I was told I did not qualify for the bonus. I should have been told when I got the card that I would not be getting the bonus or denied the card in the first place. I was mislead and this needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX To Whom it May Concern : XXXX XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. The following inquiries are related to none of the aforementioned permissible purposes. XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report, which I acquired from your organization on XX/XX/2022 and I noticed an unauthorized credit inquiry had been made. I'm representing myself by myself and I do not involve any third party for this matter. 
I request that you investigate the XXXX XXXX  XXXX XXXX XXXX XX/XX/2022 inquiry on my credit report to determine who authorized the inquiry. If you find my allegation to be true once your investigation is complete, please remove the inquiry and send me an updated copy of my credit report at the address listed above. I have filed FTC Report for this matter and have included in this package. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that these inquiries are being disputed is because they were not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that these inquiries were made by me, they must be removed from my credit file. It is not my responsibility to go directly to each creditor, the obligation lies at your feet because you are reporting inaccurate information within my credit report, and this violates the FCRA. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of completing the investigation. 
Thank you for your assistance in this matter,
Product: Debt collection

On XX/XX/2018, stating they referred a debt that was supposed to be discharged in bankruptcy to another debt collection firm, Weinstein & Riley ( WPR ).  I phoned Weinstein & Riley ( WPR ) and was rudely hung up on by a female agent who refused to listen to me as I told her whatever address they have on file is incorrect.
Product: Credit card

Capital One Credit Card has continuously denied my requests for a credit limit increase, even though I have great payment history with the card. I submitted a previous complaint last year ( XXXX ), after they denied my requests for 1.5 to 2 years. THe last denial reason I received was that my average monthly payment was too low, but my monthly payment has averaged $ XXXX/month. I typically send $ XXXX- {$100.00} a month to cover y payment. I feel Capital One is being misleading to its customers. I opened this account to help rebuild my credit, but if you do not allow limit increases, how is that possible?
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for this, is to dispute all 16 an unauthorized inquiries on my credit report for the 4th times that are listed below. 
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 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 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 XXXX XXXX XXXX XXXX XXXX To my knowledge, I have not signed any documents authorizing your organization to view my credit history. Therefore, your inquiries into my credit report violates the Fair Credit Reporting Act, Section 1681b ( a ) : Permissible Purposes of Consumer Reports as well as Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any documentation bearing my signature that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy be sent to my address listed above. 
For the sake of clarity, I will not accept any documentation that does not bear my signature authorizing you to make an inquiry into my credit file. Otherwise, anyone having stolen my identity could be behind this unauthorized inquiry. And YOU would be in violation of the Fair Credit Reporting Act. 
Assuming you do not possess such credit report inquiry authorization, I request that you remove the unauthorized inquiry from my credit report ( s ). I also request that you remove all of my personal information from your records and send me confirmation that you have complied with my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I checked my XXXX credit score through the account I have on XXXX XXXX XXXX  website. It was XXXX, but it showed me owing Capital One {$62.00} which was false. I owed Capital One nothing. 
I filed a dispute with XXXX through XXXX XXXX and on XX/XX/21 the {$62.00} Capital One balance was removed but my XXXX credit score dropped XXXX points to XXXX. 
There has been no activity at all to have caused that to happen so I filed another dispute with XXXX and I also filed a dispute with Capital One. 
Not only did either company 's representatives not understand the issue, the score remained the same and has not gone back to XXXX.
Product: Money transfers

To Whom It May Concern : On XXXX XXXX 2015, I sent {$200.00} to relatives in XXXX. I mistakenly wrote the receiver name as XXXX XXXX instead of XXXX XXXX. According to Western Union, the name that I had used is the name of an individual that is in a Global Sanction List and that XXXX needed to go back to the Western Union Office and bring a copy of his ID so that they can fax it to XXXX. I explained to them that XXXX XXXX had brought his ID when he went to pick the money and he was simply told that the money was not available for which they had no answer. XXXX went back following the instructions that Western Union had provided me but he was told that there is nothing they could do because they had no fax machine. I then requested that the money be refunded to me, which Western Union agree to first and then they decided not to without any explanation. From XXXX XXXX to around XXXX XXXX, Western Union went back and forth about what they could and could not do to help solve this matter. When I realized that they simply were wasting my time and nothing was getting done, I requested that all communication was done via email. On XXXX XXXX of this year, XXXX found someone in town that has a scanner that scans better quality images and as soon as I received those images I sent them again to Western Union twice but I have received no answer. 
I will take this case public but have been advised to first file a formal complaint. 

Respectfully, XXXX XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I went to an attorney and payed him XXXX dollars. He took the money and did nothing at all. I gave him a fair amount of time and waited and still nothing.So I filed a complaint with Capital one debit card on XX/XX/XXXX. Called and told them what happened so two weeks later I called them and they told me I lost the dispute without " EVER doing a fair or proper investigation.Im shocked appalled and angry. Who on earth conducts an investigation like that is beyond belief. That is the utmost unprofessionalism I have " EVER ' seen in all my life as a consumer card holder. If I did a job like that I'd be fired, the bank employee show 's no character at all!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to remove my consumer statement per my repeated requests. Despite numerous phone calls to Equifax over the last several months, and a certified letter, this consumer statement ( placed in XX/XX/2019 ) still remains on my report. Equifax representatives claim my consumer statement has been removed, yet every single day I login to my account and my consumer statement is still there. 

Each and every one of the Equifax representatives Ive spoken to on the phone are extremely difficult to understand as they speak English very poorly. I do not yet speak XXXX well enough to discuss my issues in their native language, so unfortunately we must communicate in English, in which understandably they are not proficient. I have tried to get around the immense language barrier by sending my request in writing via certified letter, but this also continues to be ignored by them. Equifax is an abomination of an organization. Please help!
Product: Student loan

I have tried multiple times to resolve several issues with Aspire Servicing Center. But they have refused to make changes after multiple contacts and efforts. 

The company still has old references on file that I requested to have removed or updated several times. Some of these people are deceased or no longer would be available for contact references. I made two attempts to request these updates/removals by phone and two by writing, but have not heard back after three months. I need a new reference form to add new updates, plus a complete history of references listed/removed since my loan inception, how they were added or removed. 

The company also has several errors with contact information. I have always been active in contacting center online or by email, giving my updated information. But they have added several phone numbers that aren't mine. I need a complete history of contact information, and for company to only use the same phone number and email on file in record now. 

Calling for past due loans has been sporadic and highly bothersome. Calls are always conducted when at work. When I have answered and asked the representative if we could schedule a different call time, they have continued with call to the point I have had to hang up due to work. 

Process for deferment or forbearance is highly inconvenient in time of pandemic crisis. Several times my forms have been invalid because company still requires a written signature. No online option for requesting forbearance makes it difficult for many who don't have access to printer or fax.
Product: Credit reporting or other personal consumer reports

RE : Trafficking Block Request To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

XXXX - XXXX - XX/XX/year> - {$0.00} Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Debt collection

XXXX reported false information on my credit this is not my debt.
Product: Checking or savings account

In late XXXX, I filed a dispute with my bank for a debit card charge. The amount was credited back to my account, only to be reversed a month later, overdrawing my account. When I called about it, I was told that they needed additional supporting evidence to file the dispute. I sent that in, and the money was again credited back to my account. 

Last week, to my horror, the credit was suddenly reversed again and overdrew me. I called about it, and was told that it was past the window to file a dispute. I pointed out that I filed in XXXX, and was then told Yes, but we didnt have all of the supporting documentation we needed. I insisted that I then sent them what they needed, and was told that while the information I gave them was valid, it was now past the window to file a dispute. I pointed out that they credited back my funds a second time, and was told verbatim Yes, but then later we realized that we were past the time frame and took back our credit. 

This entire situation has caused me on immense amount of emotional and physical duress, and the bank has been extremely hard to work with. The bank in question is Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing two bankruptcies on my credit reports I reached out to the court and was told they haven't talked to any bureau and they sent me a letter saying so I've been trying for over a year to get them off and its causing me terrible hardship I reached out to the XXXX XXXX provider XXXX because equifax told me to do so and they deleted one of them but the bureaus won't even after XXXX sent them letters but XXXX and the bureaus still need to delete the other one and they won't send me the information where they're saying they are verifying it from
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX