23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/year> I submitted a request to Moneylion regarding why I was not able to access my account. I received an email with a verification link. All documentation was submitted. A generic response said it would take 1 to 2 days to review. 

XX/XX/year> I called to inquire about my verification as it still was not done. I was told my account was closed and my payroll funds dir3ct deposited that day would be returned and additional documentation was requested. I send the same documentation I had provided before. I contacted my employer HR department to determine what my next step was regarding a returned ach if my paycheck. 

XX/XX/year> I received an email stating my account was on hold and I needed additional verification sent. 

XX/XX/year> I called again to find out this time I needed to submit a selfie with my arm showing and the license by my face. I was told it would be that day or the next day and my account would be upheld. I sent the requested info XX/XX/year> I called again because my account was still unaccessible. They said I had a hat on in the picture so I needed to send another one without the hat and the timeline would start over. Another XXXX to XXXX business days. I provided the picture. I called again later in the day to get further clarification on what was going on and was told again the pictures were wrong because the word screenshot was in the file name. This was following a statement by the reprentative that the everything would be resolved tomorrow ( a Saturday ). I asked to speak to a manager because the rep could not provide me the details I wanted to know. Which were : The number directly to the fraud department The policy that states how many days they have to notify me of a hold. 

I spoke to XXXX the manager who offered zero assistance and instructed me to contact their Trust and Safety department listed in the email. He also told me that Saturday was not a business day so it would likely be another week for verification. No resolution was found. 

Further information to include. Three different emails had timelines for resolution. 1 to 2 days, 4 days ans 3 to 5 business days. 

The trust and safety department number listed in the Email provides no option to speak to a representative. XXXX I felt discriminated against as if I was a criminal. I don't even have a debit card to this account to run any other transaction but had yet to change my direct deposit. The only transaction that comes in is my payroll, that has happened twice a month for over a year. 

My entire access to Moneylion was put on hold so if there is suspicious activity how can I even see it to dispute it if I needed to. This cuts into the timeframe of time to dispute. What if I had a loan payment due? I can't even access the account to pay a loan I have with moneylion. 

Twice they told me my account was closed but never returned my paycheck to the originator. Their definition of hold and closed are confusing and being used interchangeable but have different meanings.
Product: Credit reporting or other personal consumer reports

Several inquiries pop on my credit report that I didnt do it was fraud identity thieft XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

First and foremost the person who called me was very rude and did not let me even speak. He was giving me attitude and was n't very informative nor was he professional. I was late for work and asked him if he was able to contact me at a different time, he refused to do so and demanded I speak to him despite the fact of me missing my train. They were not able to provide what it was actually about. Also the gentleman asked me to verify my last XXXX digits of my social security number, I refused because at the time he had n't even told me where he was calling from or what it was regarding! He had n't advised me that they were trying to collect a debt, or anything just kept on demanding that I provide me the last XXXX digits to my social. He then proceeded by telling me that he had my social security number in front of him and then continued by reciting my 1st XXXX digits of my social security number! I was appalled and shocked that he would do something like that. That was my personal information he was sharing out, what if it had not been me? They continuously harass my boyfriend, which I do not even know how they obtained his number seeing how I did n't even know that he existed at the time they claim the date was. They stated that they use a " very powerful search engine ''. If so then how come no bill was sent to my correct address or how come they did not call MY number? I was APALLED at how I was spoken to. I then proceeded to try and get as much information as possible, leaving me to still scratch my head. My boyfriend was harassed, my personal information was given to me over the phone before verifying it was even me, I was spoken to horribly, Not enough information was given.
Product: Credit reporting or other personal consumer reports

I did not authorize nor applied for : XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX VIA DEALER XX/XX/XXXX. PLEASE REMOVE THIS FRAUDULENTINQUIRIES FROM MY CREDIT REPORT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to the CFPB to make complaint about the reporting agency, Experian. This is not a third party filing this complaint. 

The credit reporting agency, Experian, has been furnishing false and unauthorized accounts on my credit report. Experian is in violation of the Fair Credit Reporting Act ; 15 USC 1681 ( b ) Permissible Purpose of Consumer Reports ( a ) ( 2 ) which clearly states, A consumer reporting agency may furnish a consumer report under the following circumstances and no other; ( 2 ) In accordance with written instructions of the consumer to whom it relates.

I, consumer and natural person, did not give any written instructions to Experian to furnish these items on my account listed below.

1. This account was never late. 
DPT ED/XXXX Account Number : XXXX Please ensure that all information is accurate 2. This account was never late. 
DPT ED/XXXX Account Number : XXXX Please ensure that all information is accurate 3. This account was never late. 
DPT EDXXXX Account Number : XXXX Please ensure that all information is accurate XXXX. This account was never late. 
DPT ED/XXXX Account Number : XXXX**** Please ensure that all information is accurate 5. This account was never late. 
DPT EDXXXX Account Number : XXXX Please ensure that all information is accurate XXXX. This account was never late. 
DPT ED/XXXX Account Number : XXXX Please ensure that all information is accurate 7. This account was never late. 
XXXX XXXX Account Number : XXXX Please ensure that all information is accurate 8. Remove the Account XXXXXXXX XXXX XXXXXXXX Account Number : XXXX
Product: Mortgage

Case number : XXXX OCWEN FIN. 
In XXXX XXXX OCWEN was mail 3years statement XXXX TO XX/XX/XXXXshowing payments was wire to GMAC & OCWEN. Ocwen has said therewas no payments in two years. Ocwen charged me in XXXX XXXX $ 350.00for some type of Home secure, Which I have no ideal about. In Additions, XXXX Mortgage company in XXXX and XXXX said Ocwen has it setup that I can notrefinance. In Addition, XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX seems to may have change the Loan terms and Mislead, XXXX with OCwen, I have A gov.Loan, I had problem since buy my XXXX homein XXXX. In XXXX wanted to refinance and XXXX was un able because how OWCEN HAD THIS SETUP ON MY HOME. I ALSO CAN NOT GET EQUITY LOAN BECAUSE OF OCwen setup .My agent subject I get take OCWEN TO COURT or XXXX they redidterm loan. .reporting it falsely as an active loan Some how GMAC & XXXX charging me 17 % on Mortgage payment since XXXX. I refuse to pay this.
Product: Credit card or prepaid card

I have fully paid this account and there seem to be fees that were charged although the account had XXXX balance. Also, there is inaccurate late payment reporting on my credit report for this account. XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX. I  reported fraudulent charges on this account and have been attempting to contact US BANK to no avail and been transferred to different departments. 


US BANK {$6.00} Account Details Last Reported XX/XX/XXXX Creditor Name US BANK Account Type Flexible Spending Credit Card Account Status Closed Opened Date XX/XX/XXXX Closed Date XX/XX/XXXX Limit {$1200.00} Term -- Monthly Payment {$4.00} Responsibility Individual Balance {$6.00} Highest Balance {$4100.00} Payment Status Current Worst Payment Status 60-89 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due $ 0 Times 30/60/90 Days Late 2/2/0 Remarks Canceled by credit grantor Payment History Latest Status : Current XX/XX/XXXX OK OK OK OK OK 30 60 30 OK XX/XX/XXXX OK OK OK OK OK OK OK OK OK 60 OK OK XX/XX/XXXX OK J F M A M J J A S O N D 30 30-59 Days Late 60 60-89 Days Late Credit Utilization*0.50 %  Creditor Contact Details US BANK XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX
Product: Debt collection

Hello my name is XXXX, the reason i am writing you today, is I truly believe i was deceived and scammed by XXXX ... .back in XXXX of XX/XX/2013 I saw a great deal on TV for {$19.00} a month for 6 months and internet for {$9.00} when you bundle them together ... When i spoke to the representative he insured me that this deal was going on ... I very clearly asked him ... if I, order service from you i ONLY want to just sigh a ONE YEAR deal, and i asked can i do that?? ... and he replied of course you can and signed me up for a 12 month contract ... well what end up happening was they lied to me and just signed me up for cable not internet ... .because my bill was {$29.00} a month more then we agreed upon ... and they said you never bunddled so i was over charged and had to fight with them to credit it several times ... when i had enough of the over charges i deiced to cancel there services one month early of the one year contract ... but what i did n't know was when they XXXX installed my service and i signed the giant pack of papers they gave me to sign they roped me into a 2year contract in which i was never informed about and they never told me when i cancelled ... so now they clam i owe them an extra {$280.00} for terminating my contract early plus the collect agency fee, which i been receiving in the mail..and I spoke to someone in there headquarters and they just told me " when you signed the order you agreed to the extra year '' ... sorry..I just found out that the FTC charged them with Deceptively Advertising. so i thought i send you this letter ... .if you have any doubt on what i am saying ask them for you to listen to the tapes you have my permission and thank you for hearing me out.
Product: Credit reporting, credit repair services, 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. 

American Honda Finance Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX has violated my rights. 



the closed off accounts that appear on my credit report and late payments also reveal information that remain on my profile for the next 7 years. 

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 an 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

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. I am maintaining a careful record of my communications with you for the purpose of filing acomplaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated. I respectfully request to be provided proof of this alleged item, specifically the original application, contract, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days.This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further.
Product: Credit card or prepaid card

So my credit limit was decreased, so I called the company to figure out why the limit was decreased and they told me that it was because of delinquency on in XXXX account so I asked them what do they have to do with Discover because my payments were on time, and my utilization was low they told me that I need to take care of my XXXX account that was from XXXX and they gave me the limit when the XXXX account was already on my report so I couldnt understand why they decrease the limit because of the XXXX account and then also, they told me that I had two accounts in collections that only have been there for no longer than two weeks, so I told them they by law theyre not allowed to use any reporting thats not older than 45 days old and that I was taking care of the collections accounts so I couldnt understand why I was decreased and then I was told I can be decreased at any time and theres nothing I can do about it so then I asked what if I make the payments on the collections accounts right now and cleared them out because theyre under dispute they told me that it would not do anything to change my increase that I would need to pay off all my debt in order for an increase so I dont understand why I was decreased and I want to know what are they going to do to solve the problem for me?
Product: Mortgage

Here we go again : ) I've struggled with Wells Fargo in the past to get a STRAIGHT ANSWER to questions which I've done my best to pose in the most simplistic manner possible. Yet, ( as I state when I provide feedback each time a complaint is closed ) - WFC has yet to respond with an answer. 

1. WFC has NO PUBLIC INFORMATION regarding the rules surrounding their mortgage recast - including the minimum. This information is kept internal and only available when you contact the bank. There is 1 page online that covers " over-payments '' which fails to mention recasting. Other banks publicize this information for their CUSTOMERS, while WFC fails to. Furthermore, from the string of previous complaints it becomes VERY OBVIOUS that more and more details surround a mortgage recast are starting to come out. For example, the last complaint ( after pushing this point for YEARS now ) I discovered that recasts can be done based on an accumulation of past over-payments. Nice feature ... but ... WHAT IS THE DEADLINE? This year? All time? This is the information YOUR CUSTOMERS DESERVE TO KNOW. 

2. The last complaint posed a question which was completely ignored. WFC claims that a minimum over-payment of {$20000.00} ( which is 4-5x higher than standard ) has been set because : " it is the minimum amount at which a borrower will realize a significant difference on their monthly payment '' ... This makes ABSOLUTELY NO SENSE as everything has different monthly payments and different terms - resulting in COMPLETELY DIFFERENT impacts to the monthly payment - SOME MAY BE QUITE INCONSEQUENTIAL. This does NOT make any logical sense at all. If there was any truth behind this intention of setting the minimum that much higher than industry standard - a PERCENTAGE would be used and measured AGAINST THE OUTSTANDING BALANCE OF THE MORTGAGE. 

3. WFC hung up on me last time they called - after abour 2 mins. There is zero effort for the bank to discuss this. So, these complaints will serve as an on-going record and I genuinely hope that CFPB IS PAYING ATTENTION TO ALL OF THE INFORMATION I PRESENT. WFC IS CONDUCTING ITSELF IN A VERY CORRUPT MANNER AND RESERVING A FINANCIAL SAVINGS FEATURE TO ONLY A SELECT FEW - INTENTIONALLY CREATING A DISPARATE IMPACT WITHOUT ANY ADVERTISED RULES OR LOGICAL EXPLANATION BEHIND THEIR INFLATED NUMBERS. THIS IS TRULY A MOMENT FOR CFPB TO STEP IN AGAINST WFC. 

Please attempt to answer the questions thoroughly this time. If I open complaints with CFPB THERE IS AN ISSUE. Stop brushing them aside and answer the questions.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX OH XXXX To Whom It May Concern, The reason for my dispute is HUNTER WARFIELD # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also HUNTER WARFIELD failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809.

Validations of date and Mini-Mirandi under Section807 ( 1 HUNTER WARFIELD failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation HUNTER WARFIELD is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where HUNTER WARFIELD is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. If HUNTER WARFIELD even tried to contact me regarding this Fraudulent collection account I will sued for harassment. Please have them remove this collection account immediately.
Product: Money transfer, virtual currency, or money service

I am formally writing to express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB LAWSUIT highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to handle my issues adequately. They informed me that tracking and recovering lost funds was literally impossible and infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allow repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concern about consumer safety.
Product: Mortgage

I have been contacting them since XX/XX/2022 asking for PMI removal. They eventually sent a response asking for a payment to get a BPO. I promptly submitted my payment. The appraiser made an appointment and completed appraisal. Appraiser confirmed sending it in to the company, but will not give me a copy. DOVENMUEHLE has not responded to my repeated requests for a status report and a copy of the appraisal. I have sent several secure communications through their website and made attempts at phone calls with messages, none were responded to. This company is intentionally ignoring and delaying the process. I would like a refund of PMI charged since my initial request.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Student loan

I was working with a non profit organization company called "  Fedloanhelp '' t hrough www.fedloanhelp.org. This was done to help refinance my student loan payments to help reduce my monthly payments. Each month I was being reassured that my loan was being worked on and nothing was ever done. I was making payments off {$98.00} every month for 12 months for a total of  XXXX . Recently they said i would receive an entire refund on all of my payments due to them not being able to help me. I have reached out and for the past 3 months and requested a response and only received automated responses that they would refund me once they received more funding. Now their phone number is disconnected and their website is no longer on the internet.  <P/> The company was taking the payments automatically through my account number.