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

On XX/XX/XXXX i applied for a credit card. I was shopping around and chase had an offer on their website {$200.00} bonus for spending {$500.00} when approved. Cool i thought it asked me if i was already a customer which i am. It asked to enter info to validate to streamline the application. So i did. I did the whole application and the promotion had changed to {$150.00} i called on that day but lending was closed, so i called back XXXX XXXX @ XXXX and spoke a lady that told me it was my error that i had to reapply even though it was the same credit card. This would have been a new inquiry on my fico. I asked her why it was misleading and she said that she would transfer me but there was nothing they could do. When she transfered me i was hung up on. I called back spoke with someone becaus eof the unfair deceptive act or practice and filed a complaint on being hung up on. they said that a account manager would call me bck and hopefully get this resolved. A guy XXXX called me on XX/XX/XXXX left a messgae that i could apply again but they would not honur there own promotion, when reading disclosure if i apply for the same card they would not honor the second promotion. So im being asked to apply again even though if approved i would not be able to receive the promotion. Im not going to pull credit again to lower my score. their system did the ol switch and bait. I called and spoke with a XXXX on XX/XX/XXXX she would only take the complaint i presented. She said there would be no follow up no referance number i really dont believe they took my claim serious. 
I happen to take screen shot from the date in question and they are changimg promotions minute to minute and in my case i click on one offer and was given another I was approved by the way and now they wont take responsibility for the misleading promotions they offer or even right the wrong this is a financial impact to me since for the same purchase i cant receive the bonus originally offered. 

I dont even have the card in possession yet and already all these problems
Product: Vehicle loan or lease

After paying off the loan on a car I had with Westlake Financial in the amount of {$4200.00} on XX/XX/year>, I was told it would take 7-10 days to release my title and then to allow 7-10 days to receive it in the mail. On XXXX I called and was told it was scheduled to be released on the XXXX. I waited the weekend and called back on the XXXX to verify and was told in the morning that my account was under a management hold and was waiting the review of a supervisor but I couldnt speak with a supervisor because they were in meetings all morning. I called on the XXXX at XXXX XXXX and was told by someone with a name that sounded like XXXX that there was no managerial hold on my account but that he could hold my title for thirty days and there was nothing that I could do about it. There was simply no recourse, they have my title and there seems to be no way of me getting it, even though I was told in the past they would ship it to me on the XXXX.
Product: Consumer Loan

Gentlemen, Sometime of XX/XX/XXXX XXXX of Arizona posted an On-Line advertisement for a XX/XX/XXXX XXXX for {$22000.00} and went to the Dealer and Traded-In my XX/XX/XXXX XXXX for {$12.00} since, I needed a bigger size sedan. The Dealer optaine financing from the Nissan Motors Acceptance Corp. for XXXX % interest for me with XXXX months term.which included an Extended Warranty for {$2500.00} and {$1000.00} Gap Insurance. And I found out after driving home while reviewing the sale contract. The Dealer had charged the said car for {$26000.00} instead the {$22000.00} as what they advertised for the same car. I made a complaint with Arizona State Attorney Genera Office. The said Dealer had adjusted the said price and reduced the price of the GAP insurance to {$590.00} and cancelled the rest of the added option. However, The Nissan XXXX did n't adjust my monthly payment after the said adjustment. My Contract account number with Nissan XXXX is XXXX That started on XX/XX/XXXX and will end XX/XX/XXXX respectively. The original amount finance was {$35000.00} as I was upside down on my Trade-In. After the dealer returned and all those price adjustment and cancellation of all the add-ons. The Nissan XXXX failed to adjust the monthly payment term. I used to pay on my old car just {$310.00} a month. With my New Car Nissan XXXX. It cost me {$550.00} a month. I want them to restructure my car loan with them. For reasons I am a working XXXX. The {$550.00} monthly payments is blowing my budget. And might fall behind in my payment with them. I never missed a single payment with them. But, XXXX XXXX will affect my budget as time at work. I am appealing to your good office to intercede on my behalf. As I can foresee the bleak future ahead while balancing my financial obligation and the XXXX advancement for me and the future. I do hope the Nissan XXXX Dept. We give me their utmost consideration with all my undertaking. They are even rewarding XXXX with bonus rebates. All I am asking from them is to restructure my loan and payment. Even, Giving me a XXXX months term to lower my payment and achieves my goal and XXXX at the same time with a good standing with them and be a loyal customer hopefully if things turn out for the better in my situations. 

Thank You very much for your kind Understanding and Consideration and more power to Office and Staff members. 

Sincerely, XXXX XXXX XXXX, AZ XXXX
Product: Debt collection

Original creditor : XXXX XXXX owner : LVNV Funding LLC Balance : {$7300.00} This debt collector has threatened multiple times of arrest and lawsuit on a debt that has already been resolved. They have tried to contact me numerous times on weekends and before XXXX XXXX. They have harassed and used misleading statements to coerce me into making a payment. This debt is in a state I do not live in and does not belong to me.
Product: Debt collection

This company has continued to contact me for an unknown, unverified and no validated account. The harassment is causing defamation of my character and reflects negative toward s my financial capabilities as an adult. I can not move forward and create stability for my growing family. I want this bill that does not apply to me to be removed from my name and credit report due to me having no knowledge of it. I don't think that it is fair for it to cause harm to me when I have never had any relationship with this company. Please remove the account with no verification and no validation from my information due to the Fair Credit Reporting Act 15 U.S.C.168Ag.
Product: Credit card

I have a Bank of America Preferred Rewards Credit Card. 
On XXXX I used the credit card to book a zip line tour at XXXX XXXX XXXX ( located in XXXX XXXX, XXXX XXXX XXXX ; the amount is {$450.00}. The company whose billed my credit cart has the name XXXX XXXX XXXX XXXX. The following day I received a news that my flight from XXXX to XXXX XXXX was cancelled due to weather issue. As a result, I immediately inform XXXX XXXX XXXX to cancel my tour and they agreed to refund 50 % of the amount, totalling {$220.00} ( please see the attachment for the cancellation agreement ). For some reason, on XX/XX/2023, they made XXXX refund transactions ; each in the amount of {$220.00} and I thought they went above and beyond to resolve my issue. However, on XX/XX/2023, they billed me again with XXXX transactions ; each in the amount of {$220.00}. As a result I'm at net loss of {$450.00}. 
Up till now and despite many attempts with both the mercant and my credit card company, I still haven't received the promised refund.
Product: Mortgage

The loan officer ( XXXX XXXX ) I am using is an independent broker ( XXXX XXXX XXXX  XXXX ) servicing for Caliber home loans, won't explain the information on the closing disclosure document and/or documented incorrect information on the loan application and the demographic information addendum. When I've ask him questions or ask him to change things on my application he has told me XXXX20 " If youre not satisfied with how Caliber wants it on the application, DO NOT move forward with Caliber or myself. '' XXXX20 " I am no longer working on this loan and you will need to find another lender '' XXXX20 If you are not comfortable working with them I completely understand if you decide to select another lender. '' -He has also told me this type of wording over the phone. 
This is an ultimatum to do things his way and don't question him. 

My real estate agent has had to get in the middle to resolve the issues to move forward and that hasn't helped resolve much. This loan officer uses the lender as a reason to not move your loan forward if you don't do things his way. He says this instantly before even consulting with the lender, because he is an independent broker and has no boss, he does what he wants and says that's what the lender will say or it's standard business practice. None of these are explanations or answers to my questions but excuses. I doubt Caliber home loans is aware that business is being conducted this way on their behalf. I have had to consult with other loan officers to try to get answers. Before you have answers he has moved on to the next step without my permission. Now I have an approved loan with lots of questions still unanswered. 

I was put in an FHA loan and not explained the parameters of it. Being a military member it's nice to know how long you are legally obligated to live somewhere vs putting me in what you think is the best product. We were too far in the loan process to change the type of loan. The loan officer is a terrible communicator, interrupts and has an antiquated system in which I can't put in any of my own information. The agent and loan officer say it's preliminary and will be fixed later but that isn't how things should work. I responded with I'm not satisfied and the loan officer moved forward anyway. This is bad business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. XXXX XXXX XXXX XXXX Account # XXXX, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did some reading on the internet about credit reporting laws, and from my understanding if a consumer finds errors on their credit report, they have a right have them fixed, right? This incorrect information on my credit report is causing problems when I try to apply for credit. I would like to have this account deleted from all 3 credit bureau 's. Can you investigate this matter because how are all these companies reporting inaccurate information across all 3 bureau 's.
Product: Checking or savings account

I have a XXXX $ per day spending limit, my account keeps getting declined when trying to purchase and withdrawl funds and I have calculated XXXX $ spent in XXXX hours I called chime they told me I have spent XXXX $ in the past XXXX hours saying I have XXXX $ available for my XXXX  limit. My card still continues to decline for small transactions. No help from customer support saying I just need to wait it out. It doesnt make sense as I have not hit my daily limit. And am now stranded
Product: Credit reporting or other personal consumer reports

This is the 5th time I have reached out about these inquries I also went on XXXX  website and uploaded my report stating these inquiries need to be removed and 4 months it still isnt corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th 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 items 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 items in my credit record that came about due to an alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX  XX/XX/2023
Product: Mortgage

XXXX we refied with XXXX mortgage, XXXX {$280000.00} in XXXX XXXX XXXX XXXX bought the loan, cause XXXX XXXX belly up, then in XXXX XXXX sold to Carrington XXXX in that sale to Carrington from XXXX they raised to years from 25 to 36 years with no modification and did not inform Us of any changes in the number of years remaining for this loan to be paid off? We were told we didn't qualify for Loan Mod. We also didn't agree to change for 25 years to 36 years in our loan for no reason? who would? the loan is supposed to be paid in XXXX for some reason unknown to Us, banks have added XXXX to our loan? XXXX, and no explanation, crazy right. and every month add {$100.00} in late fees after XXXX, but I am on XXXX and get paid every third week of the month. LATE FEE NOW TOTAL {$3600.00}? IHAVE ASKED CARRINGTON TO WIAVED TO LATE FEES they refused and will continue even though I get a check every third week of the month. We need assistance in this matter. 
Issues 1. why did the years go from 25y to 36y? 
2. waive late fee, since I receive my SSDI on the third week of the month? 
what would be fair is return mortgage to 25y so it will be paid off in XXXX not XXXX as the original contract mortgage and remove all late fee and change late fee to after 30 days not 15. 
thank you for your assistance in this matter. 
XXXX XXXX & XXXX XXXX
Product: Credit card

Timely payments have always been my priority on this account, preventing any occurrences of overdue payments. The appearance of late payment remarks on my accounts is bewildering, particularly in light of my adherence to 15 USC 1666b - Billing Error.
Product: Checking or savings account

I have recently submitted a complaint regarding We Pay merchant services through Chase bank. That issue involved holding funds for 120 days for an unknown reason and shutting down our credit card XXXX account for an unknown reason, without responsiveness. That issue was resolved. However, we did not receive our most recent credit card deposit batch. I received no notice or information as to why. I sent a support ticket in and was told by two different Chase support staff that the transactions couldn't be located, even after I sent screenshots of the transactions. After calling several times and being on hold for extended periods of time, I was told that the transactions were located but are being held for five days. No explanation was given and no offer to assist me further was provided. Funds are withheld from our small business without notice or explanation. On any given day, we do not know if we will receive funds or if they will be withheld for extended periods of time. It is nearly impossible to operate under these conditions. The inability to connect with the We Pay service by phone makes resolving issues very difficult. The general Chase customer service line is unable to address issues related to We Pay and only provides generic responses to inquiries. No actual support is provided. We Pay is not responsive to requests for support by email or through their chat feature support.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX DEPTEDXXXX  XXXX Balance : {$0.00} Date Opened : XXXX XXXX DEPTEDXXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX XXXX XXXX have modified credit reports & reported inaccurately for 6 months my credit score & BALANCES - My score was over 720 in XXXX & several lenders are not reporting on time or accurately
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute with Equifax regarding XXXX XXXX XXXX, XXXX XXXX derogatory mark in regards with incorrect information on my credit report. It has been well over 30 days and I haven't received any investigation results.
Product: Debt collection

XXXX XXXX, XXXX : Initially, had pulled a cash advance of {$2500.00} amount from a physical branch location. The next day made the exact payment of {$2500.00} to clear the cash advance after not needing it. 

XXXX XXXX, XXXX : Reached out to Wells Fargo over the phone, was told they would issue a check then I would have to physically go into a branch, make the {$2500.00} payment and tell them I wanted to pay off the cash advance. 

XXXX XXXX, XXXX : I had a banker sit down with me at a branch location after being told that the amount cant be applied directly to the cash advance, it would be split between two separate interest rates ( purchases and cash advance ). The representative on the phone advised me that I should still make the {$2500.00} payment in the branch, in addition I would make a {$7.00} payment and that would clear the cash advance amount. I did everything they had told me to do. 

XXXX XXXX, XXXX : I received my billing statement and the cash advance amount is still on my statement and I have reached out to Wells Fargo once again, to no resolve. A supervisor told me they will reach out to me after I asked her to pull audio recordings of the representative that told me the cash advance would be cleared on my account with the payments made in the branch that day, however when I asked for her direct line she gave me an incorrect direct line phone number when I tried to contact her the next day to follow up and she has not contacted me. Im very disappointed in these banking practices by Wells Fargo they have told me to do all this running around to no avail and Im continuously lied too just to get me to go away and be another respresentatives problem.
Product: Credit card or prepaid card

I opened a business credit spark credit card. I went through the fraud verification and the card was opened. Subsequently, I was contacted again, but missed the phone call. I called in to capital one, thinking it was regarding another credit I'd just made a purchase with. I was informed it was about my spark card, which I hadn't received neither did I have the last 4 digits of the card at the time. 

I spoke with representatives who couldn't communicate clearly about my account to the last representative who was extremely rude and did not work to resolve my issue. She said the the letter would explain everything she said. I received the letter today in the mail and it was vague and didn't request any of the information this department requested. I do not like the way this case is being handled. No one can account for the many times we've spoken and I was just given a secure link to upload the requested documents. I am a multiline customer with capital one and this experience has turned me off tremendously. 

My specific complaints are against : XXXX Agent I'd - XXXX EXT :. 
CASE WORKER : XXXX XXXX
Product: Checking or savings account

Someone stole my card information. I transfered money to XXXX XXXX. I then transfered XXXX back to the bank. Within minutes I got notifications that all my money was again transferred to XXXX XXXX. I contacted the bank ( found ) they said to contact XXXX XXXX and they would contact me to file dispute. They did nothing to help. I contacted XXXX XXXX same result. Told to contact bank. I filed the dispute form and after the period expired to get the money back temporarily had passed I asked about it. They said no unauthorized transaction occurred. And nothing I could do. The thief created a XXXX XXXX with My name on it. Which XXXX XXXX doesn't verify you unless you request their debit card. It wasn't an account ID ever used to transfer or send money too. I begged them to reverse the transaction since it was within seconds and they wouldn't
Product: Bank account or service

On XXXX/XXXX/15 about XXXX. I stopped at an ATM to deposit cash ( {$620.00} ) into my account, well the ATM took my money and did not add it to my account nor did it give me a receipt. I tried multiple times to try and get it to add the money to my account/ spit the money back out or to at least give me a receipt and it did n't do either. I immediately went into the bank 's location and tried to get someone to check the machine and give me my money back, I was told by XXXX of the personal bankers that I would have to wait for an ATM tech to come out and audit the machine, I then asked when would that be and he could n't tell me. I was n't satisfied with that answer so he then went to the bank 's manager and told her the situation and she stated the same thing that I would have to wait for the ATM tech and again I asked when would that be and she could not give me the answer either. Still not satisfied I went to my car and called the XXXX number and spoke with a CSR who also said that there was nothing she could do and then gave me a claim number. Frustrated I went on to work and logged into my account and I sent an email concerning my situation/frustration. I then had XXXX reps to contact me the following day stating that they received my email and that someone was working on it. They then sent a letter a couple of days later saying that they would temporarily give me the money that I put in the ATM - at that point I was ok because of course I had bills to pay. Then on XXXX/XXXX/15 I find out that they took the money back saying that during their investigation they did n't find anything out of order and said that they sent me a letter that I had not received, I received it later on XXXX and of course I was back on the phone again XXXX XXXX/XXXX/15, XXXX/XXXX/15, XXXX/XXXX/15 & XXXX/XXXX/15. During the course of speaking with some of the CSR 's they said that they could see where I was at the ATM but could n't confirm that I put in the amount that was stated. Needless to say I was/am furious ... During my conversation with each of these XXXX 's I 've been able to tell them exactly what I put in the machine and no one is believing me. I have since been told that they are working on the claim again trying to see if there was some fraud of some sort. I 've never been involved with anything of that nature. I 've been with this bank for many many years and have never had any problems of this sort and I 'm furious that they would not send anyone to open the ATM at that moment which would have cleared all of this up. I have asked for a copy of the research documents/photos and was told to call back, when I called back I had to leave my name and number and no one has called me back to this day XXXX/XXXX/15 and I am very upset. I have names, numbers, dates and times of each and every person that I have talked to but it seems as if they are not listening to me and brushing me off. I do not have {$620.00} to give a way and I will not let this rest. Please help me resolve this issue.