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

The Menard 's XXXX Card has a 2 % quarterly rebate associated with it. It is not issued as a statement credit. After calling Capital One three times I believe they send a paper rebate. I was lead to believe on a prior call that my rebate for XXXX XXXX would have been sent on/around XX/XX/XXXX. It hasn't come. The last time I called they said the rebate might have been sent but they weren't sure and that I should call back in a week. Today is XX/XX/XXXX and I have been on the phone with Capital One for 18 minutes with no clear resolution. 

The Capital One staff supporting Menard 's XXXX Card seems woefully under-trained and unprepared to assist with even the most basic of questions relating to this credit product. No one seems to know what's going on and it is ridiculous. After spending 28 minutes on the phone with most of that time being on call center rep induced mute and hold I had to hang up to go to a meeting. 

My questions remain unanswered : Where is my XXXX rebate? What is an appropriate timeline for expecting rebates to be sent?
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 11 XXXX, XXXX. XXXX   XXXX
Product: Checking or savings account

Sorry no options to choose for my case you can make correction I have appointment with XXXX XXXX City bank Day Monday XXXX time XXXX XXXX  to XXXX XXXX  Location XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX To complete something me and XXXX XXXX we spoke about it Friday I went to the bank and I started with XXXX XXXX at XXXX after 8-10 mint female from the bank she was next to us at another computer she came and talked to me I answer all the questions and I continue with XXXX XXXX And after 7 mint she came back and talk to me again I told XXXX XXXX I dont wont to talk to that lady I have appointment with you can you do your job with me please XXXX XXXX she sad yes before I leave the bank I ask XXXX XXXX if I can file a complain about the female she came twice and talk to me XXXX XXXX she sad yes I ask XXXX XXXX if she can give me the name for that female XXXX XXXX she write the name for that female in the back of the business card the one for XXXX XXXX that happen during the appointment before XXXX non Before I walk out side the city bank I told XXXX XXXX I am not happy about the way that female was talking to me and please she not alow to do any thing under my name or my account or my appeal or my disputed or my social security number When I finish my appointment immediately when I was at the side walk of the street I could not read the name the one XXXX XXXX give it to me I write email to XXXX XXXX The email I send to XXXX XXXX exactly Hi City bank XXXX Day Monday time XXXX non XXXX XXXX  XXXX XXXX # XXXX, XXXX XXXX, CA XXXX Reson have appointment with XXXX XXXX Thank you for your help I would like to ask about 1- if my new appeal been send successfully or no 2- I ask you about the name for that woman she came ant talk to me if you can send me the name because I couldnt read it 3- she not alow to do any thing under my name or my account or my appeal or my disputed or my social security number 4- I hope If you can speak with city bank   management about what happen The end of the email I send to Please send me the name She email me the name ( XXXX XXXX ) At XXXX XXXX I reserved missed call from number XXXX ( XXXX ) XXXX At XXXX I have one more call from XXXX ( XXXX ) XXXX I answer the phone ( XXXX XXXX ) she calling me???.! 

And she ask me about my appeal I ask XXXX XXXX 1- why she call me 2- how she get my number 3- I told her she not alow to contact with me I will attached 1-the photo of the name for XXXX   XXXX  the one XXXX XXXX give it to me 2- photos of the screen shots for the missed call from XXXX XXXX  3- photos of the screen shots for the phone call from XXXX XXXX
Product: Credit card or prepaid card

We opened  the American Express Simply Cash Business C redit Card on  XXXX / XXXX / 2016  with the offer to get a {$250.00} statement credit for spending {$5000.00} within the first 6 months of card membership. This offer was good for applications submitted through  XXXX / XXXX / 2016 . We spent {$5000.00} in the allotted time period, whi ch American Express confirmed for us on several occasions. However, we never received our statement credit. Had AmEx open an official case to investigate. They nev er contacted us back. I called them to inquire. They had closed the case saying they could n't track our card opening back to the proper source code. I asked to speak to several levels of supervisors until I was told that there was no one there who could assist me, but that I would receive a call back with in 48 hou rs. Now, a few months later, I am still waiting. This is unacceptable. I have wasted so many hours over the la st six mo nths trying to get this resolved.
Product: Payday loan, title loan, or personal loan

account won't link anymore. Did before but now wont
Product: Mortgage

I listed a ranch home for sale in XXXX, NY. A buyer offered {$230000.00} on XX/XX/XXXX and asked for {$14000.00} sellers concessions. The buyer was using Berkshire Bank to obtain an FHA loan. Berkshire Bank sent a bank appraiser to assess the property on XX/XX/XXXX. His appraisal came back at {$220000.00}, listing the house as a Manufactured/Mobile home, not a modular. My realtor and I asked the XXXX to reconsider and provide evidence that the home was a mobile home. He stated he had not even seen a basement or crawl space. He also stated he lived in the area his whole life and saw that house be delivered. On XX/XX/XXXX, at approximately XXXX, he returned to the house and entered the crawl space under the house. He noted a steel beam in the basement and said that confirmed his ruling that the home was a trailer. We continued to object. 

With the appraisal notating the property as a Mobile/Manufactured home, the buyers offer could now only be {$200000.00} with taking {$14000.00} concessions. This was a {$19000.00} decrease from the original offer. The bank required documentation to secure the FHA loan for a Manufactured/mobile home. This documentation did not exist, because the home is NOT a mobile home. Without a HUD certification or serial number for the mobile home, the bank would not finance the loan. We secured the original building permit from XXXX, clearly stating the home was a stick built modular built and delivered from XXXX XXXX XXXX XXXX  This was not a biased opinion. It was a fact. The house is not a manufactured home. We submitted that documentation to Berkshire Bank and asked for the house to be reappraised using comps from other modular homes. 

The Bank stated the XXXX was not willing to do that. The appraisal remained. We submitted our documentation as concrete evidence that the original building permit stated the house was a modular home built by XXXX XXXX XXXX XXXX. The bank continued to refuse to change the appraisal. 

Several weeks passed at this point, causing immense stress for both the buyers and sellers. Our home was now tainted by the buyers believing they were buying a trailer. Our buyers eventually backed out of the contract, stating they were concerned that it was a mobile home, they were not willing to pay the {$230000.00}, and they did not have the documentation the bank needed to finance the purchase. 

We have now wasted close to XXXX weeks, and have to relist the house. This has caused emotional and severe financial stress as we try to sell our home. Berkshire Bank wrongly categorized our home as a Manufactured/Mobile home, and refused to do their due diligence to prove it was a mobile home. Instead, we spent money and time to prove it was in fact a modular home. Even with indisputable documentation that the home was modular, Berkshire Bank refused to acknowledge or accept our documentation proving it was a modular home and at the end of the day, cost us a {$230000.00} purchase offer while we continue to have to carry the house and relist on the market.
Product: Debt collection

My account with west creek finical finances a bed for me they had received payment I ran into difficulty paying I info them they sent it to collections last year last month they took money from my bank after they had sent me to collections in 2019 I have reached out to them directly left on hold for 3 hours sent emails and again they took money from my bank I have proof of all allegations I am making in this statement
Product: Credit reporting, credit repair services, or other personal consumer reports

A Fraudulent Credit Repair Company " XXXX XXXXXXXX XXXX 's '' Stole my Identity. 
And Have send it Multiple disputes about the Situation And not heard a response
Product: Mortgage

I have a sale date of  XXXX / XXXX /  XXXX   while working to get a loan modification. I was previously told that the foreclosure was placed on hold but now suddenly they have  one sche duled days before. The person that has been assigned to my file,  XXXX   XXXX , was requesting for some documents days before the scheduled date. I was able to provide them the same day via email. Days later after the  3rd pa rty that i am working with provided them the documents, the notes state that  XXXX   XXXX  is requesting the same documents the day before the foreclosure sale date. I dont want to lose my home over some negligence of processing my documents on time. I was told today that the sale date is still scheduled for tomorrow and of course I am unable to get a hold of  XXXX   XXXX . Please help me as I do not want to lose my home.
Product: Mortgage

On XX/XX/2019 I was contacted by Caliber Home Loans to refinance, the only product offered was a FHA streamline refi. After having a third party review the closing docs, I come to find out that this was not the best option for me. The agent failed to explore all the refinancing options available to me. Since this process lacks an appraisal and it wasn't done I was placed back on a FHA loan when I could of saved more money by going conventional. Contacted the company and the manager agreed that Conversation could of been a better option but offered no way to remediate the companies lack of guiding me in the right direction. Not being presented with all the options has cost me about XXXX in the back end of the loan and about XXXX dollars more a month.
Product: Debt collection

XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Debt collection

In XXXX, my information was compromised by XXXX doing their data breach. I began the process of looking for a home and to my surprise, my information was used to open multiple credit cards on the same day! I've tried over and over again to have these items removed and to have the companies to stop reporting the inaccurate information on my credit. Ive called XXXX since XXXX to have them rectify the issue and received nothing but credit monitoring. They have not taken ownership for anything that has happened to me. Fast forward to XXXX, I'm still having issues. I couldn't buy a house and I can't even get an apartment in my name because they say I have ongoing debt. This is truly unfair. I'm on the verge of breaking out in tears!
Product: Credit reporting, credit repair services, or other personal consumer reports

only transunion didnt change disputed account derogatory remark. 
letter sent from bank. 
still somebody working at transunion REFUSED to change error on my report
Product: Credit card or prepaid card

In appliying for this new credit card, I was promised XXXX XXXX points ( XXXX XXXX Rewards points ) if I made {$3000.00} of purchases in the first 90 days of card membership. I made the required purchases in the first month of cardmembership ( in XX/XX/2018 ). Now, nearly eight months after completing the required spend, I still have not received the promised points. Ive called AMEX customer service about the issue at least six times to no avail. Each time Im promised they are working to resolve the issue. Please help me secure the promised reward points.
Product: Student loan

In XX/XX/XXXXmy loans were serviced via Nelnet. I was wrongfully terminated from my employment and asked for unemployment deferment / forbearance. I was told it was granted. I was told it was for up to 3 years since I was also undergoing medical care at the Veteran 's Hospital. In the meantime I filed suit against the XXXX for wrongful termination and XXXX  discrimination. My suit was resolved in my favor the Summer of XX/XX/XXXX. I am now a XXXX ( XXXX employee ) for the XXXX XXXX XXXX XXXX XXXX. Upon renewal of my clearance it came to light that my student loans through Nelnet had been sent to XXXX XXXX XXXX a collection firm for the Department of Education and placed in default status. I contacted Nelnet and was referred to XXXX XXXX  to resolve the issue even after it was determined that whoever placed my loans in forbearance only did it for a month which was puzzling. I have sent XXXX XXXX  a copy of myXX/XX/XXXX XXXX  form showing my gross income before expenses as well a bank documents detailing both company expenses and personal expenses to satisfy the proof of income requirements to arrive at a standard payment plan amount. We agreed on {$350.00} per month and the first payment was debited on theXX/XX/XXXX. XXXX XXXX  is now attempting to increase my regular payment using the gross amount on the XXXX without using any of the bank documentation proving my expenses and refuses to accept bank statements instead of cancelled checks. They also have had me upload Health Insurance documents which include the personal data of my family members which is subject to both HIPPA and Privacy laws. At this time I acknowledge I owe the debt but XXXX XXXX is violating privacy laws and refusing to act in good faith. Today, I received a letter stating that they were still using my gross income instead of my adjusted gross income which arrived in a handwritten envelope without a complete return address stating that it was from XXXX XXXX XXXX. This is a violation of the Debt Collection laws as anyone or entity attempting to collect a debt must truthfully identify themselves to the party which owes the debt. An incomplete address, without the name of the entity, does not satisfy this requirement. I need Nelnet to correct the error on the length of forbearance and have the Department of Education recall my loan back from XXXX XXXX XXXX and return it to Nelnet for proper servicing. At this time Nelnet stated they do not know how to go about it although this is the direction I was given verbally by the Department of Education. At this time all parties are dealing in bad faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX loan for {$15000.00} has not been reported properly. My XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XX/XX/2020 missed/late payments were due to the pandemic and my account should be updated as such.
Product: Debt collection

I have a debt collection reporting on my credit for account I never used. I do not recognize the debtor nor have I ever opened services with this company. The information is completely inaccurate and does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a bankruptcy with Experian multiple times and they are not investigating properly. They keep closing my dispute saying the information has been verified with XXXX XXXX and they confirmed its accurate. I reached out to XXXX XXXX and they state they have not received any request from Experian to verify my information and they confirmed I do not have the bankruptcy on my file. I sent the letter to Experian from XXXX XXXX and they still are not investigating.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. 3 bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account 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
Product: Credit reporting 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 : XXXX Account NumberXXXX Account Name : XXXX  Account NumbeXXXX Account Name : XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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: Debt collection

on XXXX XXXX, I sent CREDIT COLLECTION SERVICE a letter about a error concerning a alleged debt of XXXX. I rescind all payments on the above-listed alleged debt that were paid to you as they were in error. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You illegally collected the above-listed alleged debt and took payment on a debt that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. Promptly request deletion of any and all prior reporting made to any consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your requests to CRAs to delete your reporting of the alleged debt. Finally, send a check payable to me for the {$140.00} paid to you in error. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related information thereto. Be advised, if you fail to comply with this demand letter, I may turn the matter over to an attorney.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX BALANCED {$320.00} XXXX XXXX BALANCED {$1600.00} XXXXXXXX XXXX XXXX XXXXXXXX BALANCED {$2500.00} XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BALANCED {$790.00} XXXX XXXX XXXXXXXX BALANCED {$1200.00} XXXX XXXX XXXX  BALANCED {$3100.00}
Product: Debt collection

Company known as 1st Recovery has made repeated phone calls to my cell phone, my parents house phone and my dads cell phone. Refuses to stop calling. Calls all phones right at XXXX, XXXX. Relentless Continues even after asked not to call. I ca n't even get a straight answer as to what this is about.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Contacted the company on XX/XX/XXXX to resolve a matter after speaking with the original creditor. Told them that they had no legal authority to collect the debt since there was no contract between myself and their company as they were a " debt purchaser '' who buys collections in bulk and would not settle the matter for a reasonable amount. 

Negotiated with them and paid for them to close the account in a positive manner - they are still reporting to the credit bureaus that the debt is a bad debt and in collections when they stated they would report positive information within 72 hours
Product: Credit reporting or other personal consumer reports

The hard inquiries mentioned are not recognized or authorized, therefore I would like them to be removed. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX, XXXX isnt giving theaccurate reporting on my credit report.Besides they two accounts that has been closed for 9 months or more still on my credit report.And when I make a payment they report the Pervious account that I owed.In other words my account doesnt increase.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX XXXX and XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX has violating my rights. 

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not finish an account without my written instruction.

15 USC 1666B : a creditor may not treat a payment on the credit card account under open end consumer credit plan as late for purpose.