23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I applied My venture credit by my passport and XXXX.And the credit card was approved by Capital one on XX/XX/XXXX XXXXThe last 4 dig of credit card number is XXXX.The credit card has {$99.00} annual fee. And it has welcome bouns XXXX point which I need to spend {$4000.00} before XX/XX/XXXX XXXX.But I found my credit card was restricted on XX/XX/XXXX XXXX.But Capital one request me upload the ID or driver 's license to unfreeze my credit card.I don't have car so I don't have the driver 's license.I am applying the ID.If the credit card need the ID or driver 's license, I would not apply for it. 
I would like to propose a fair solution for both parties.Firstly, I cooperate with the Capital one verification of my passport and ITIN.And I want to request to XXXX the welcome bouns expiration day to XX/XX/year>, just for a week. 
Secondly, I cancel the credit card.Capital one refund me the {$99.00} annual fee and the balance of credit card is about {$750.00}. 

Here is my phone number XXXX.Please contact me.
Product: Credit reporting

I mailed a Multiple  Inquiry Removal Letter by mail in order to dispute information, in regards to 7 har d inquiries, that was being reported on my credit report. As soon as they received the letter The request that I submitted includ ed 7 H ard Inquiries that were not factual and I received the same response for ALL inquiries, which was " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' According to the FCRA Rules, FC RA 623  ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigate d and if you do not investigate AND respond, the CRA must delete the disputed information from its files. The fact that I received a response 4 days after the receipt of my c letter, one can assume that there was no investigation into the matter. I plan to purchase a home this year and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am submitting this complaint due to the lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Mortgage

We started our refinance through XXXX Mortgage. They use the company Spring EQ for loans such as ours that involve refinancing and HELOC. This process started around late XXXX early XXXX of XXXX XXXX. We provided everything that XXXX needed and they would keep in touch with Spring EQ. As far as the first few months of the loan process go we are in the dark or have bits of information from XXXX about XXXX XXXX because Spring won't answer them or us. They kept requesting documentation all throughout the loan process even after we all assumed the underwriting process was over since it would take XXXX days which was quoted. We paid {$520.00} on XX/XX/XXXX to Springs appraisal company XXXX XXXX and got the paperwork back XXXX first. The loan process has taken so long that it has been restarted twice and now in a few days it will be a third time. The first loan I and my husband was apart of, so the appraisal was in my name since I paid for it. Now before we were told closing is soon they get a notice back from the appraiser that they couldn't go through with Springs request to change the name from mine to my husbands on the appraisal document. That it was illegal and Spring should have known that process. A simple name change turned into weeks of waiting and no response. The company has continued to ignore XXXX mortgage who has been waiting for a clear to close. I messaged Spring on XXXX today XX/XX/23 and they said the issue would be escalated and XXXX XXXX would reach out. I was told she was an XXXX, but when she called she said there was nothing more she could do and would escalate the issue again. We emailed XXXX XXXX as well and tried to contact her multiple times to no avail and it has been weeks. We don't have dates of action from Spring EQ because they haven't performed any actions. Spring had us lower our requested amount due to our appraisal being low ( though other places had us at a higher rate ). Each time we push out closing we increase the rates and lose the original amount we wanted. It's almost like they do it on purpose. My husband has taken off time for work to provide documents and deal with XXXX through XXXX. We both have received papers in the mail stated the loan was terminated due to incomplete credit application so we wonder if the company has been taking our personal information, but not doing anything at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX credit card has been paid off sense XXXXXXXX XXXX XXXXXXXX XXXX XXXX has yet to update the credit bureau is accurate information showing the card with a XXXX balance. I have requested a dispute with Equifax. After the dispute was complete in early XX/XX/2023, their results were XXXX XXXX is reporting there is a maxed out balance on the credit card at the time of the dispute. I reopen the dispute. The results for a second time were XXXX XXXX is reporting there is a maxed out balance on the credit card. I called XXXX XXXX to inquire and request a fix about the issue. XXXX XXXX stated they show no balance on the credit card and would report the fix to Equifax. It has now been more than a week, and the issue still has not been resolved. According to XXXX XXXX, the issue would be resolved as of XX/XX/2023. It has not. This issue is impacted my credit as I am in the process of moving.
Product: Mortgage

Mr. Cooper Mortgage - acquired the loan from Seterus and XXXX XXXX acquired the loan from XXXX XXXX with that much account activity, you would think identifying a second mortgage would be part of their buying process. 
I am trying to sell a property base in XXXX pa, I recently ran a title search and it's showing XXXX XXXX XXXX XXXX as a second mortgage. My home loan has been forwarded about 3 time to different mortgage lenders and it has been refinance several times. I put several calls into Mr Cooper Mortgage Co to see if they could provide me with a Letter of Satisfactory for this alleged second mortgage. As I went in all direction told to me no one can provide me with a Letter of Satisfactory or a Corrective Action Lien Release. I spoke with several of Mr. Cooper call center representative and all was knowledgeable however, i been going in circle since XX/XX/XXXX or maybe early and all I received from there Research team and there Lein team was a email stating.>>> " Please be advised Mr. Cooper is not able to provide a Release of Lien for a loan that was paid off to another servicer. If a loan was paid off to XXXX XXXX, XXXX XXXX will need to issue a Release of Lien on the paid off loan. 
My issue is that Mr Cooper was the last one who touch the loan and his company should of taken time to do a research and inquire about the status of my account before it transferred. The company should of required all updated information from when I bought the property in XXXX or XXXX. How can this be a transfer of any sort if they don't have the whole account documentation on file. 
Mr Cooper should be responsible for providing me with a Letter of Satisfactory or do the inquire for a Corrective Action Lien Release.
Product: Debt collection

I HAVE NO OUTSTANDING DEBT FOR XXXX. ON XX/XX/18. THIS DEBT IS NOT MINE. FRAUDULENT REPORTING
Product: Payday loan, title loan, personal loan, or advance loan

In XX/XX/year>, I called customer service to request hardship assistance. The representative stated that OneMain Financial has a modification solution. I had to make two payments of {$190.00} which were debited from my account on XX/XX/XXXX and XXXX. The representative stated that nothing had to be done to finalize the modification as long as the payments were made on time. Representative also stated that my modification payment would be {$190.00} and that the interest rate would be reduced. In early November I called to ask for the status of the modification. I was told that a supervisor would call me, but I have not received a call. I continue to get collection calls and texts stating that I'm behind on payments.
Product: Credit reporting or other personal consumer reports

For over two years, XXXX has claimed to have verified the accuracy and compliance of my account with Spring Oaks Capital LLC under FCRA standards. Despite multiple fraud claims and documented evidence proving the account was fraudulent, XXXX failed to act, resulting in both financial and emotional distress. Rather than properly investigating or providing financial compensation for their errorsnow totaling XXXX over the past yearXXXX ignored my disputes until a specialist who actually reviewed the file acknowledged the negligence and removed the account. 
Spring Oaks Capital LLC is a clear example of this misconduct. The account, originally with XXXX XXXXXXXX, was falsely reported. XXXX initially stated the debt was both paid in full and sold to Spring Oaks Capital LLC. However, after XXXX years of disputes, it was proven that XXXX reporting was inaccurate, leading to its removal. Despite this, Spring Oaks Capital LLC continued reporting the debt to credit bureaus using my personal information without my consent. They have consistently ignored disputes, operating as a predatory entity attempting to collect on a debt that was never valid. 
Pursuant to 15 U.S.C. 1681i ( FCRA 611 ), XXXX has failed to properly investigate or provide any justification for why fraudulent accounts remain on my report even after their removal from other bureaus. This constitutes a direct violation of my consumer rights under federal law. 
Immediate Action Required This dispute has remained unresolved for over two years, despite clear evidence of fraud. Therefore, the following actions must be taken immediately : Permanent deletion of all fraudulent accounts associated with my personal information. 
Written confirmation of the deletions, sent to : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, MI XXXX, United States This is not a request for review or modification. My consumer rights have been violated, and I have suffered significant hardship as a result. Failure to comply within 10 days will require a detailed explanation from the assigned specialist, including full disclosure of the investigative process conducted. Any further negligence or noncompliance with FCRA and CFPB regulations will result in legal action, holding all responsible parties personally accountable for the financial and emotional damages incurred. 
Immediate compliance is expected.
Product: Mortgage

Ocwen sent a short-sale agreement since the home is worth less than the total amounts due on the mortgage. We have complied with all of their requests and they still refuse to approve the final HUD documents approval and allow the title/escrow company to fund the loan payoff. The buyer has had their funds in escrow to comply with the short-sale closing date and Ocwen has prolonged the closing for weeks with no explanation other than " it is under review in underwriting. ''
Product: Credit card

[ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX XXXX SC XXXX ] [ Date ] [ DISCOVER BANK ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX UT XXXX ] Subject : Dispute of Inccurate Information Under 15 USC 1681b and Request for Blocking Under 15 USC 1681c-2 Dear [ XXXX XXXXXXXX ], I am writing to formally dispute inaccurate information contained in my credit report, as permitted by the Fair Credit Reporting Act [ FCRA ], specifically under both 15 USC 1681b and USC 1681c-2 . This dispute pertains to the information reported by your agency under the permissible purposes outlined in 15 USC 1681b, as well as my request for blocking information related to identity theft under 15 USC 1681c-2. 

I recently obtained a copy of my credit report from your agency and have identified the following inaccuracies : Account Name : [ DISCOVER BANK ] Account Number : [ XXXX ] Date of Reporting : [ XX/XX/2023 ] Description of Inaccuracy : [ Describe the inaccuracy, such as incorrect balance, late payment account status ] Under XXXX XXXX XXXX, consumer reporting agencies must ensure that the information they report is used for permissible purposes only. I am disputing the accuracy of this information it has a significant impact on my creditworthiness. I request a thorough investigation into the accuracy of this information as required by 15 USC 1681b.

Additionally, I suspect that this inaccurate information may be a result of identity theft, which falls under the provisions of 15 USC 1681c-2. To address this concern, I kindly request that you investigate the possibility of identity theft and block the reporting of this information if it is found to be a result of such unauthorized activity. 

Enclosed with this letter, please find copies of supporting documents that demonstrates the inaccuracies in the information being reported. These documents include [ list any documents you are attaching, such as payment records, correspondence, or statements ]. 

I request that you promptly investigate this matter in accordance with both 15 USC 1681b and 15 USC 1681c-2 and provide me with a written notification of the results of your investigation, including any corrections made to my credit report and actions taken under 15 USC 1681c-2 . 

Failure to comply with these legal requirements may result in further action to protect my rights under the FCRA. 

I appreciate your immediate attention to this matter and expect a timely resolution. You may reach me at [ XXXX ] or [ XXXX if you require any further information. 

Sincerely, [ XXXX XXXX XXXX XXXX ]
Product: Checking or savings account

On XXXX XXXX XXXX  XX/XX/XXXX, I was speaking with a bank teller about a Debit Card I received on XX/XX/XXXX. A rude bank employee that I was abused by for being a XXXX XXXX Veteran with a service connected XXXX named XXXX refused to help because I brought up how unacceptable his staff 's demeaning words about people standing in line was during previous visit weeks ago in XX/XX/XXXX. I needed more help than the teller last time & this time as well. XXXX refused to help & called me a child during the earlier visit. I stopped in today & XXXX again decided to berate me in public stating he filed an incident report that he claims is internal only ( but damages my character & ability to receive non retaliatory, regulatory compliant service ), refused to allow me to deposit an insurance check, refused to allow me to cash an insurance check, and claimed I " stormed off '' despite his repeated angry mannerisms stating this branch would not help me & that I would be refused service. I stated he must be pretty powerful to overstep this many regulations. I asked for him to put his statement in writing before I left. He refused that as well, but continued trying tonintimidate me. He gave me the name of his supervisor, XXXX XXXX, as the contact, but not the supervisor 's contact information. I will follow up on the prior regulatory complaint draft, submit today 's regulatory complaint, and submit the prior regulatory comlaint ... to obtain a working debit card. Worst branch in all of Bank of America since they also fumbled a life insurance check back in XXXX. The branch is below XXXX stars for many reasons. Please let me know why I am being mistreated and what will remedy XXXX 's abusive misconduct. Thanks, XXXX XXXX
Product: Credit card

American Express consistently runs ads in both print and visual media. In these ads they claim that XXXX cardholders, who pay an annual fee of {$690.00}, receive a higher level of benefits and priority customer service. Tonight I called the number for XXXX Customer service and received a recording that due to a high number of calls, my wait could be XXXX minutes. I hung up after waiting XXXX minutes, tiring of the awful music. I called back a few hours later and again received a recording stating that my wait would be XXXX minutes. After roughly XXXX minutes the call was answered. I believe that American Express is not truthful in their advertising and should be required to state that paying a {$690.00} annual fee will get you the same XXXX minute wait as any other American Express XXXX. 

When my call was answered the Representative was not able to help me. He placed me on hold and sought guidance. He came back and told me that he would escalate my complaints, but that I would need to call back the next day if I wanted to speak to someone that could help me. 

I have been a cardholder for more than 30 years. I have paid an annual fee every year for more than 30 years, because I believed the representations of American Express. I have used my card consistently, every month for more than 30 years. I feel that American Express should be held accountable for the service they represent they will deliver!
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 XXXX Account Number:XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and noticed there was some information on my report that is inaccurate. I am in the process of buying a home and the information that is being shown is holding up the process. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, the item I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address, and telephone number updated and remove any other names, addresses, and telephone numbers that does not belong to me. The following account in dispute is listed below : XXXX XXXX XXXX # XXXX, XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, OH XXXX I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ). I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report.

Please Delete Telephone numbers that do not belong to me : 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, credit repair services, or other personal consumer reports

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received. In this report each bureau ; Transunion, XXXX, XXXX shows a difference in reporting on this account ( example : one reports shows paid on time while the other is reporting late ) These items : the date the account was opened, late charges and the number of days late and past due amounts that are not reported the same on all 3 bureaus. 
XXXX XXXX submitted a letter stating account was 89 days past due and reported this on my credit report but my record of payments contradict that claim. I'm challenging the due date of payment by submitted the original contract of the loan as well the actual date this account was open vs what it is stated on all 3 bureaus. 

Enclosed are copies of the account and how it is reported on all credit bureaus.A letter when the account was originally opened and payment history to show that this account was not 89 days past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries do not belong to me, I've never applied for any of these accounts.
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. 

XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
U S DEPT OF EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$4300.00}. 
U S DEPT OF EDXXXX Educational with account # XXXX opened on XX/XX/XXXX and a balance of {$7100.00}. 
XXXX XXXX XXXX XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$73000.00}. 
Collection account from XXXX XXXX XXXX XXXX with account # XXXX and a balance of {$8400.00}. The original creditor is XXXX XXXX. 

I couldn't apply for any loans because of these negative items on my report which shouldn't be there and it's been going on for yeas and it's giving me anxiety
Product: Debt collection

I started a payment plan with this company thinking i had no option. I started paying {$25.00} a month soon after I changed cards and recieved a call about payments being in default. I looked up information on what I could do and sent a letter of validation where the responded with a bill statement. I've called lawyers and I've been told that if I never received a letter within the first 5 days of the company assuming my debt then I could have a debt scrubbed from my credit being they violated my rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with transunion ( XXXX XXXX XXXX ) and derogatory account with XXXX  ( XXXX XXXX XXXX XXXX ) is false and misleading my credit report. Youve sent me only bank statements as proof of validation. That is not legal proof that is stated in the FCRA. Also you sent me a envelope with you logo on it which is a {$1000.00} fine. An because your attempting to collect a debt that is against the law. Also stated in 15 USC 1681b you can not file a consumer report unless you have a written order from the courts, also should be accordance with the written instructions of the consumer to whom it relates. Stated in 15 USC, reports should not contain information solely as to transactions or experiences between the consumer and the person making the report. Also you sending me a letter with your logo on it will result is a fine from $ XXXX {$1000.00}. Thats three offenses. The congress also stated that any authorization or approval of a specific extension of credit directly or indirectly should be excluded from your report. Also during your investigation did you conduct personal interviews with any of my neighbors and family or associates? A consumer has right to privacy so since your reporting this information its infringement against my privacy. 15 USC 1692b states that no debt collector can state that I owe any debt. Thats a {$1000.00} fine.