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

I filed a complaint # XXXX re First National Bank of Omaha closing my account. 
They responded that I was told that they would close my account. 
That is not the entire story. 

In response it was never clearly stated by any employee that if I catch up and pay all past due payments current related to the Covid 19 problem, that my account could not be opened again or that I wouild have reapply for a new card.

There is no guarantee that I would be issued a new card especially with all the Covid related payment problem I had. 

The result is that I would have to continue to pay my monthly minimums without the benefit of any availalble credit. This is grossly unfair and demonstrates no good will. 

I have had similar closed account experience with other credit cards I have and they were always to able to reopen my accounts. 

They need to do the right thing because I did. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One stated to your agency ( CFPB ) under case # XXXX that they have resolved the issue. 

To date, no action has been taken and the credit bureaus have not received any notification. I verified this information with XXXX, which still has the disputed information on file and stated that they have not received any updates. 

Please resolve this issue.
Product: Mortgage

We closed on a home in XXXX AL owned by SWE Homes back in XX/XX/XXXX. We agreed to pay a set amount down which continued to climb right up till closing. SWE agreed at closing that the first month of the mortgage would be waived. However we were still billed for the first month. Out of frustration we declined to pay until we got communication on the account. One month passed with no communication. To forgo getting behind I reluctantly sent a MO for the amount of the mortgage ( roughly XXXX a month ). The company told my wife they were sending it back because we owed around {$4000.00} & they needed the funds all at once. This was in or around XX/XX/XXXX. The company told my wife we would soon go into pre foreclosure. I requested from the company to call me or my wife & discuss the account to avoid it. I or my wife never received any calls. This company claims they report to the credit bureaus however this mortgage does not show on my wife 's credit report or mine. My family is going on 14 months in this home with no payments made. We don't receive bills, calls, or collections. The only information we get is statements in the mail. The company charged us far more interest on the mortgage than I believe is legal. Furthermore the property was refinanced twice before we moved there & I believe this company is attempting to charge us that interest. The whole situation is a wild & unnatural one. I need to know what to do here as this is the only place my family has to go. However I greatly feel this whole situation is a scam & I do not want to be scammed. Please, please help me figure out what steps I should take here.
Product: Credit reporting or other personal consumer reports

Equifax mistakenly listed my truck as charged-off, but XXXX XXXX denied ever reporting it as such. After speaking with a supervisor and the compliance office at XXXX XXXX, they confirmed that my account was not charged off and attributed the error to Equifax. They assured me that they would investigate the matter. The call with the compliance office took place on XX/XX/XXXX, while the conversation with the supervisor was on XX/XX/XXXX. Due to this reporting error, my credit score has dropped by XXXX points, which could impact my ability to secure future vehicle financing. I suspect that someone from XXXX XXXX may have reported this in retaliation for my frequent disputes. I have come across similar cases on the XXXX  website and am considering seeking legal advice to rectify the situation. I urgently request that the incorrect information be removed without delay.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous correspondence dated XX/XX/XXXX, in which I disputed the following collection account on my credit report pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Consumer Financial Protection Act ( CFPA ) : Creditor/Collection Agency Name : XXXX XXXXXXXX Account Number : XXXX Amount : {$0.00} Date of Account : XX/XX/XXXX
Product: Mortgage

Hi name name is XXXX XXXX and I have a Loan with Rushmore Loan Management this is my second complaint because it seems nothing was down My House loan was sold to Rushmore 10 Days after Closing, the original Loan was with XXXX XXXX On XX/XX/2021 I had XXXX disappear from escrow and no one can tell me where it went. I got set up last by the loan company to for a higher interest rate and more money down i was stuck because I had XXXX contingency that i would loose if I didn't, I really did get set up and taken advantage of I am willing to go as far as I need to see if everyone it getting set up like I am getting preapproved paying contingencies and right after paying XXXX more the the loan but they try to comfort you saying its okay well put it on the back end. I have Called Rushmore and sent there leter back with the responds that I do not accept them buying the loan because I need to take XXXX  to court and they are purposely making it more complicated. Loan # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding an inaccurate report of a delinquent payment on my credit report. I made a final payment of {$2700.00} to XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX, to pay off a loan I obtained on XX/XX/XXXX. Despite this, on XX/XX/XXXX, I received an email notification from TransUnion stating that a delinquent payment was reported. 

After receiving this notification, I contacted XXXXXXXX XXXX XXXXXXXX customer service for clarification. I was informed that there is no one I can speak to regarding credit issues because credit specialists are in a different department and can not be contacted. I specifically requested that the inaccurate delinquent payment be removed, but was unable to resolve the issue through their customer service. 

I am requesting that the late payment reported to the credit bureaus be removed, and that the account be updated to reflect that it was paid off in full and closed. The reporting of a delinquent payment is false and does not accurately reflect the status of my loan, as I have already made the final payment in full. 

I would like to bring attention to the following laws and regulations that govern the accurate reporting of information on credit reports : Fair Credit Reporting Act ( FCRA ) Under the FCRA, credit reporting agencies are required to ensure that the information they report is accurate, and consumers have the right to dispute any inaccuracies on their credit report. 
Regulation V ( 12 CFR Part 1022 ) This regulation, issued by the Consumer Financial Protection Bureau ( CFPB ), requires companies to correct or remove inaccurate or incomplete information on credit reports after being notified of a dispute. 
Given the circumstances, I would like your assistance in ensuring that this inaccurate report is corrected. I request that XXXXXXXX XXXX XXXX be directed to update the information immediately, ensuring my credit report accurately reflects that the loan was paid off in full and the account is closed. 

Please let me know if you require any further documentation or information to support my case. Below you will find my payoff receipt that was sent to me by email. I look forward to your prompt attention to this matter and to the correction of my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to dispute certain hard inquiries that have appeared on my credit report obtained from your agency. After reviewing my credit report, I have identified the following hard inquiries that I know are inaccurate and should be removed : -- -- -XXXX -- -- - XXXX XXXX XXXXXX/XX/2023 XXXX XXXX XXXXXX/XX/2023 -- -- -Equifax -- -- - XXXX - XX/XX/2023 XXXX XXXX - XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

What is wrong why these accounts are on my credit report? I never had anything to do with them! I disputed the account with XXXX and Experian but they did not give me evidence as to why the accounts are being reported on my credit report when I have nothing to do with them..CFPB please step up and remove the accounts listed asap : XXXX XXXX ( Original Creditor : XXXX ) XXXX
Product: Debt collection

XXXX XXXX XXXX  appeared on my credit report attempting to collect {$140.00} dollars from me. The account states it was from " XXXX XXXX ''. I had received no paperwork or notifications of this debt. And was never given an opportunity to dispute it. I filed a dispute with all 3 major credit bureaus, 1 of which has cleared it from my credit report. I wanted to file a complaint to get this false collection removed.
Product: Credit card or prepaid card

My wife and I were in the local mall and stopped in a XXXX XXXX   we were approached by a salesman and my wife showed me a ring she really liked. The saleman told us it was on sale and the store had a promotion whereas we could apply for store credit and get a no interest for three years. So we applied and he told us we qualified for both the store card and the promotion. We bought the ring and had it sent out to be sized. When we came back to pick the ring up the same store clerk told us there was a problem with the no interest part and that we had to call the credit department. We tried multiple time to get this strait and then were told that the purchase was not enough to qualify even though the store told us otherwise. Then we were told the store was closing and they do not take back merchandise. I feel this is a bait and switch technique and should be illegal. I am a XXXX veteran and my wife has XXXX we can't pay the monthly bill as it is now 3 or 4 times higher then the XXXX a month we were told. I just fixed my credit a year ago and now it will be ruined again. I have documents but no way to add them at this time. Thank you, XXXX
Product: Credit card or prepaid card

My husband and I have been significantly impacted by COVID-19 and requested for this creditor to assist us during our financial hardship. On XX/XX/XXXX, my husband and I spoke with XXXX, a Senior CSR and requested assistance. She was gracious and waived my minimum payment for XXXX however, little did I know that this would adversely affect my account and credit score. Furthermore, no where does the creditor 's website inform consumers that if they choose to have credit limit purchases approved, that once they go over their credit limit, it will be reported to the credit bureaus and decrease your credit score. I have recently disputed this with the credit bureaus as well. On XX/XX/XXXX, I paid {$50.00} hoping that it would cover the interest rate. On XXXX, the interest was applied which caused my account to go over the limit. On XXXX, I paid an additional {$40.00} to bring my account to a current status. Strangely enough, on my XXXX statement, my XXXX increased to 19.49 % and then dropped to 17.99 % on my XXXX statement. I previously requested to please have my interest rate reduced to assist me in paying off my balance but was refused. I have been a customer for over 4 years and have NEVER experienced any of these aforementioned issues like these before. My husband and I are disturbed that Capital One dropped the ball for so many customers that are still experiencing financial hardship. Needless to say, we both have opted out of allowing over the credit limit purchases to avoid further inconvenience to both our accounts. Moving forward, we will definitely continue to pay all of our accounts with Capital One but unfortunately, this matter has left a poor impression on us.
Product: Credit reporting, credit repair services, or other personal consumer reports

After being subjected to a 3 and a half month XXXX XXXX loan process that ended in a denial for low income, while they collected info, I felt discriminated against as the loan was to lower my existing payments at the time of XXXX and their payment would be XXXX so I decided to pay off an existing XXXX XXXX so on XX/XX/2021, I paid XXXX, I paid XXXX on XX/XX/2021, I paid XXXX on XX/XX/2021, I paid XXXX on XXXX and they requested XXXX cents that I paid on XXXX, but they are reporting to TransUnion after I disputed to TransUnion that I still owe XXXX and that I have not paid them in full. and reporting that I still owe XXXX. I supplied TransUnion with a XXXX statement and they chose to ignore the amounts paid to XXXX XXXX  to pay them off and still reporting inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

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.

In accordance with the Fair Credit Reporting act the follow companies/entities have violated my rights. 

XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX U.S. DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Paid as Agreed and never late delete all 30 and 60 day derogatory remarks or completely delete this item ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO, XXXX Real Estate. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX Real Estate on behalf of XXXX XXXX XXXX XXXX XXXX 
This inquiry is scheduled to continue on record until XX/XX/XXXX. 

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 card

15USC 1692 XXXX The debt collector ( BANK OF AMERICA # XXXX & XXXX ) was notified according to 15USC 1692 XXXX but they are still communicating information to my consumer. 
BANK OF AMERICA XXXX XXXX XXXX, XXXX XXXX TX XXXX Phone Number ( XXXX ) XXXX Re : Account # XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I XXXX XXXX hereby files a complaint against a debt buyer hereinafter called XXXX XXXX XXXX, officially registered as a debt-buyer with the National Mortgage XXXX XXXX XXXX XXXX ) and bonded within the state of Texas. I have attached copies of the XXXX credit posts that show as a debt buyer for a debt that never belonged to me, and under the Fair and Accurate Credit Transaction Act ( FACTA ). As a federally bonded agent in debt collections, XXXX XXXX XXXX did not follow protocol pertaining to the identity theft matter that I filed as a police report on XX/XX/year>. Under FACTA guidelines, once an identity theft protest has been established, the creditor or debt collector must remove the protested item and complain about its own validity investigation. The police report was put together with details, as my identity was stolen and used for credit cards and XXXX vehicle loan. On each of those occasions, the original creditor and/or its third-party interest deleted the credit tradeline from each respective credit bureau. Under FACTA, I demand that XXXX XXXX XXXX remove each false debt buyer collection permanently. A report on any negative response will be reported to the Office of Attorney General, state of Texas and the compliance office of the NMLS. 

( XXXX ) IDENTITY THEFT.The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Commission may prescribe, by regulation. ( XXXX ) IDENTITY THEFT REPORT.The term identity theft report has the meaning given that term by rule of the Commission, and means, at a minimum, a report ( A ) that alleges an identity theft ; ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Commission ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. 
Accordingly, the complaint I am submitting is valid, the collection is not, and must be deleted permanently from each credit bureau, Experian, XXXX, and XXXX XXXX respectfully. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

Someone hacked my XXXX XXXX  account and made an order on stuff that I will not by and sent me e-mail gloating about it. I did not know ebay had stored my debit card information. After disputing the charges with the credit union and card turned off, pay pay bypassed the deactivated checking and pull using an ACH from my saving account. One of the vendor agreed to a refund, the other one has not responded. Did a refuse delivery and return with the hacker wad putting the order in my name. The tracking shows the vendors got the items back. Strangely the XXXX account I used was closed and I have no access.
Product: Credit reporting or other personal consumer reports

Dispute Department : Upon reviewing my credit report I have identified certain information that is reporting incorrectly. Please make sure that the only information that is reporting in my credit report is the one mentioned stated below : My full name is : XXXX XXXX My correct date of birth : XX/XX/year> My correct Social Security XXXX My correct address is : XXXX XXXX XXXX XXXX
Product: Debt collection

I had a billing issue with XXXX XXXX XXXX which later I paid her XXXX for her wrong charges of XXXX dollars but she perhaps failed to inform her collection company to correct the information on my credit report.
Product: Checking or savings account

I opened a checking account using promo code XXXX using link XXXX which promised a {$300.00} bonus after I made two direct deposits that total at least {$1000.00} within 60 days. I received the bonus code via direct mail sent to my house. I opened my checking account using the required link and code. I completed direct deposits from my employer of {$1000.00} on XX/XX/19 and again on XX/XX/19. The bonus is supposed to post to my account within 60 days of direct deposit verification. 

I selected the account type available via the web link for the promotion. I notified USBANK and their response was ; " I can confirm that the promo code is present and direct deposits were credited to the within the timeframe required. But, the account was opened as an Easy Checking and the promotion is for Platinum accounts only. As that's the case I've upgraded this to a Platinum account. Since the account wasn't opened as an Easy one, I can't guarantee that the bonus will be provided within 60 days of the 2nd direct deposit.If that happens, please contact us again and we'll see if our back office Customer Care Unit will be able to assist with this situation. '' I never consented to have my account upgraded to a different account type that has higher minimum requirements and fees. US Bank changed my account type and did not provide the {$300.00} bonus to which I am entitled. I believe US Bank is telling me that they accepted my promo code but nevetheless may decide to not give me the bonus even if I go along with having my account type upgraded to a more expensive option (? ). This is a bait and switch tactic.
Product: Bank account or service

I opened a Capital One 360 account on Friday, XX/XX/XXXX and deposited {$11000.00} into the account. 
I had multiple problems getting the account opened before I was later told that my funds were on hold and given a number to call the security department to verify my transactions. After calling the security number twice, I was sent to a voice mail box for the security department on Saturday and never received a call back. It is now Monday XXXX and I have currently been sitting on hold for nearly an hour with no human contact for what should be a routine account security verification so that I can access my funds and use the account as normal. 
I am very frustrated and disgusted with the abysmal customer experience and piss-poor customer service ( or lack of ) that I have received from Capital One 360 for what should be simple, routine, and quickly-addressed account activities.
Product: Credit reporting or other personal consumer reports

XXXX and XXXX has a collection account for a national credit system that is on my credit report XXXX  is stopping me from employment and other things I have asked for validation of this debt plenty of times they ignore and say that everything is accurate and I requested proof in written over the phone and online for over 6 months I have explain to them and the collection agency this account does not belong to me no one will provide proof of me owning this account and debt they are violating my right fcra law to a complete and accurate credit report I will like a investigation into XXXX and XXXX for fraudulent reporting of my personal information
Product: Debt collection

I would like to submit a complaint against ( Transfinancial Companies ) regarding unknown medical account ( s ) XXXX for {$200.00} reporting on my credit report ( s ). The account ( s ) were placed on my credit report ( s ) without following the Fair Credit Reporting Act laws to validate the debt and allow time for proper dispute. ( Transfinancial Companies ) never mailed me any letters or communicated with me in any manner regarding this alleged medical account ( s ). I mailed ( Transfinancial Companies ) a certified, registered and tracked letter via the United Stated Postal Services on XX/XX/2018 requesting validation of the account ( s ) ( Transfinancial Companies ) reporting on my credit report ( s ). ( Transfinancial Companies ) has not responded to my letter requesting debt validation. Therefore, I contacted the original creditors listed on my credit report ( s ) that ( Transfinancial Companies ) claimed to be collecting for the original creditor ( s ) stated I did not have any outstanding account ( s ) /debt ( s ) and that XXXX had paid all account ( s ) /bills. Therefore, ( Transfinancial Companies ) have violated several state laws, FDCPA and FCRA. ( Transfinancial Companies ) is engaging in fraud, I was never notified of this alleged account ( s ) /debt by mail, letter or any form of communications before Transfinancial Companies reported and placed the account ( s ) on my credit report ( s ), misrepresentation of debt ; and attempting to collect for medical account ( s ) that were already paid by insurance and/or XXXX. 

These erroneous entries by ( Transfinancial Companies ) are detrimental to my overall credit rating and has caused me severe financial and emotional distress and anxiety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX 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