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

I signed up for MoneyLion 's promotional offer based on their Pave the Wage promotional campaign. The promotional offer was to receive 17 % of your direct deposit if you did the following : 1. Join MoneyLion 2. Set up a direct deposit of $ XXXX 3. Opt in to bonus 4.  Maintain direct deposit for 90 days to get bonus ( this needs to be 90 % of your initial direct deposit ) 5. Bonus you receive will be 17 % of your first direct deposit Right after opening the account I called up Moneylion and confirmed that all I needed to do was to wait for the bonus offer to show in the app and then opt in on the  mobile app to be eligible. I was able to do this a couple days after opening the account. Then I set up my direct deposit such that first deposit hit my MoneyLion account on XX/XX/2019. I continuously deposited the same amount ( or higher ) biweekly to meet the bonus requirements. 

After 90 days had passed I failed to see any bonus posted to my account. I called up MoneyLion and asked them what was the delay. Their response was I hadn't opted into the bonus offer as no email had been sent to my email account as is apparently customary. I mentioned I had followed their exact directions when I called them up when opening my account. There was no mention of a special confirmation email. Moneylion 's response was they wouldn't abide by the terms of the offer since no email existed.

This entire situation has been a scam. Moneylion heavily used gender equality to market their financial services and get lots of publicity. Then when the time comes to pay out they can renege on their offer saying there is some app or backend system issue and they don't have to abide by their contract. This is straight-up fraud. They may have pulled the same stunt on others as well.
Product: Credit reporting or other personal consumer reports

I did not authorize this inquiry. According to 15 U.S.C. 1681, Section 602 ( a ), I have the right to privacy. Additionally, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions. Therefore, this inquiry was made without my permission and should be removed from my credit report.
Product: Debt collection

I have two Capital One Credit Cards. As a whole, the company has had numerous technical issues from online issues to the postal service that conculusively inhibit consumers from paying their bills on time, yet given proof to the bank regarding this, Capital One continues to tack on late fees. We are in the middle of a Pandemic. Our postal service is unreliable and all of us have been experiencing issues with online services. Given the circumstances, it's not appropriate, nor is it fair for Capital One to gouge the consumer with late fees. 

During the last billing cycle, I didn't receive a bill. On the day the bill was due, I called Capital One to pay the bill. I spoke with a representative who said that they were experiencing technical difficulties. I expressed my concerns involving getting a late fee as a result of an issue on their end. The representative told me that Capital One is aware of the issue and as such, I wouldn't receive a late fee. After speaking with a representative today to address the issue, I was informed that the initial call was overseas and that there wasn't a way for them to verify that information. I asked to bring the account up to current and to withdraw the late fee. They refused. The last late fee I had on this card was almost a year ago. 

Capital One Bank is backed by the FDIC. To that end, they have received federal money paid by small businesses such as mine. It's not fair that their issues are passed on to the consumer without proper recourse. Due to the numerous bank issues I've had online with my other Capital One credit card, I elected not to use the online service for this credit card. I am therefore asking your help in intervening to erradicate the late fee off of this account. Currently, there is just one late fee. They're unwillingness to help is what's most irritating. They admitted that they're currently are experiencing challenges from online to the postal service. By their admission, the pandemic has caused an interruption in service. As such, I am asking that the consumer is protected from any adverse affects and that Capital One cooperates in providing relief by releasing consumers of senseless late fees. If there's anything else I need to provide, please let me know. I appreciate your help with this.
Product: Credit reporting or other personal consumer reports

I recently purchased my consumer credit report and learned that I have unauthorized inquires placed on my credit file without my consent. I did not AUTHORIZE anyone to MIS-REPORT or FRAUDULENT use my social for any purpose or matter without my consent please remove from my credit file 15 USC 1681 ( b ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

On XX/XX/ I submitted an auto loan application with Bank of America. I received an approval same day, no questions asked and I thought it was because I had all my banking with them, including deposit accounts and credit cards. I was then contacted by the Dealership ( XXXX XXXX XXXX XXXX XXXX ) and they advised that approval could not be used, that a new one needed to be submitted because although Bank of America is one of their preferred banks, the dealer needed to submit the application directly, which I do not understand given the fact that there was already an approval at the same bank. I find it hard to believe they could not use it and believe they rejected the previously application to gain financing. Since I had already applied with Bank of America and received an approval I allowed the Dealer to resubmit. When resubmitting the application with Bank of America, they asked for several documents such as social security card and verification of income, which was confusing since I was not asked for this in my initial application and because I had all my business with Bank of America. I provided all the information requested and last minute it was not accepted although it was all legal documentation they already had on file and had approved me on XX/XX/. I had to re0run my credit to get approved by a different bank and also be given an higher APR, then the 7.14 % APR causing me now more interest and a higher monthly payment. The vehicle has already been given to me, thus why I could not avoid another credit pull.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under XXXX XXXX XXXX XXXX ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under XXXX XXXX XXXX XXXX ( XXXX ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within XXXX days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agency  XXXX  is reporting an unverifiable account with   XXXX   XXXX   XXXX   on my credit report as a Deed in lieu
Product: Credit card

XXXX REFUNDED {$520.00} 2 MONTHS AGO, and chase refuses to credit my account. on XX/XX/year>. the XXXX CHARGE IS DATED XX/XX/year> THEY HAVE DAMAGED MY CREDIT REPORT MASLISCIOUSLY THEY SHOULD BE CHARGED WITH ELDER CRIME. 

I WILL CHARGE. {$2000.00} CONSULTATION FEE TO RESOLVED THIS FOR THEM
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX Social Security XXXX XXXX, a resident of XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX, submit this affidavit to request a security freeze on my credit report. Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : XXXX. Applicant Identification : Full Name : XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXX Current Address : XXXX XXXX XXXX, XXXX  XXXX, FL XXXX XXXX. Security Freeze Request : o I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
o This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
XXXX. Attached Documentation : I have attached the following documents to verify my identity and process my request : o A copy of my drivers license or government-issued ID. 
o A copy of a recent utility bill or bank statement confirming my current address. 
o A copy of my Social Security Number.

4. Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

5. Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, 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. 

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  and 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

Since XXXX I have been disputing and challenging the accuracy of these files on my credit and so far no one has validated it. I sent multiple letters and they have yet to adhere to the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

There's a fraudulent account that's being reported by XXXX XXXX on my Equifax credit report. I've been fighting this account close to a year now with no results. I've sent in copies of my police report and FTC affidavit notarized and signed by the reporting officer and still nothing. I don't understand, if someone steals your information, opens a fraudulent account using your personal information including address, social security number ; etc, then it's should be a simple process to have the account blocked from my credit report. I submitted this same information to XXXX  and XXXX and the account was deleted immediately. Equifax is the only credit bureau that's giving me issues. I'm trying to purchase a home for my family and can't do so all because Equifax isn't helping the situation. All they keep telling me is the account has been verified.
Product: Mortgage

Since our servicer has changed there has been problem after problem. 
!, right after Mr. cooper took over purchased home owners insurance when active policy was already in place 2, held payments in lieu of additional payment. 
3. purchased flood insurance when not in flood plane. 
4. pre-approved modification that extended mortgage from XXXX to 40 years. 
5. there has been numerous issues that this company has not addressed or taken responsibility for. they recently denied a modification stating too that there were 2 before. They need to be held accountable and they need to honor the last modification it can not be right to double the length of an existing mortgage. I have been in direct contact with the mortgage originator XXXX XXXX with less than stellar results and i quote, " SOMETIMES A MODIFICATION IS NOT A GOOD THING. All I want is to keep my home. 
Mr. Cooper says we are here to help and thats not true. On XXXX XXXX there was a complaint filed with you and no response from them at all. 
All I get is a standard form letter from them attached are XXXX but there are more. Attached is a receipt sent registered mail. In addition XXXX XXXX has been sent numerous documents as well
Product: Mortgage

I recently satisfied a loan that was effecting my taxes every year by refinancing it, so that my new escrow analyses would be correct and make my mortgage payment lower. 

I notified my XXXX XXXX with several emails communications and attached documents proving an error had occurred with the property tax amount and that is was being corrected by the county. Once the correction was made i sent the mortgage escalation team the corrected document showing the change but they disregarded the change and paid the {$12000.00} in property tax amount that was incorrect. They will be doing a escrow analyses and my escrow account is in the negative over XXXX and the company will not make the correction to reflect the right amount due on the taxes of XXXX The issue has been well documented and the mortgage company was well aware of the mistake and still paid out the wrong amount to XXXX XXXX XXXX
Product: Debt collection

I sent Jefferson Capital a police report almost 2 years ago notifying them that a debt that they were trying to collect was from identity theft. Also with the information I sent my then address that was XXXX XXXX XXXX XXXX XXXX which is also noted on the police report. 2 years later Jefferson capital has tried to covertly sue me for this debt using the old address of XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, without even having someone to sign for the notice they know that this is no longer my residence and has not been my residence for many years. The tenant got in touch with me through the property management company to let me know about this. Jefferson capital is being deceptive because they were sent the information over two years ago. I am including the same police report that i sent to the company 2 years ago.
Product: Debt collection

I paid this debt to XXXX XXXX and have spend hours trying to remedy this with them. Their representative has told me that I made the final payment but they kept sending me the bill. I have asked multiple times to XXXX and now the debt collector for validation of the debt and for the transcript from my multiply conversion with XXXX to validate they said I made my last payment. All have been ignored. I have copied of the letters sent through certified mail to these companies. I originally sent the letter in XXXX and revived no response so I reasoned through certified mail in XXXX. I also emailed to figure out why they did not respond. They said that they did multiple times but the only thing I received was the original XXXX bill. They are refusing to remove this collection item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 card or prepaid card

On XX/XX/2021 I opened a CareCredit card to pay for Invisalign through XXXX XXXX XXXX in XXXX, NC. A charge was made of {$5000.00}. The dentist office told me I had great credit and should expect XXXX % interest rate. Received the paperwork attached for a XXXX % XXXX year fixed interest rate which I reviewed when I got home. Called within the first few months as there were security card charges added on that were unnecessary and not fully explained at the time of purchase. Had them removed and refunded. 

I spoke with a CareCredit representative about the XXXX XXXX offer I was promised at the dentist office. They said it was still available and to have my dentist office call to switch to that promotion. No paperwork was ever proposed to me to switch the promotion. I called the dentist office and it was taken care of. I was signed up for a deferred interest 12 month promotion without my knowledge. Had no idea until it came due on XXXX statement. I would have never signed up for this as the XXXX XXXX interest for XXXX years was between the XXXX the better deal. Not being given the details or a choice this is predatory lending. 

I was never given the choice. Between the security fees and this promotion swindling I feel CareCredit is a predatory lender. I want this corrected as soon as possible as Im now on the hook for a larger monthly payment I never signed up for. 

Now I have a new card that has been sent to me for good customers to use this card for XXXX points and perks instead of the medical credit card I had signed up for. I do not want this change. I want nothing to do with this company
Product: Credit reporting or other personal consumer reports

What could possibly worse than having your complaints sent out only for it to not be fully attended to? I sent a complaint a month ago about the inaccuracy on my report, none of which has been taken care of so far.
Product: Debt collection

I have a a unverified account from EOS CCA # XXXX. I had previously disputed this account. I have never done business with EOS CCA. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt EOS CCA purport I owe. I no longer wish to receive phone calls from this company for any reasons. 
I request that EOS CCA Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that EOS CCA Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Mortgage

There was a mortgage on my father 's home and he passed away in XX/XX/XXXX.The probate administrator handling the estate has been very hostile and not very transparent with the heirs.The heirs only learned recently that we had the option to take over the payments .What Garn means : XXXX XXXX XXXX  Guide 408 recognizes this legal reality, calling for non- qualified assumptions for widows, heirs, divorcees. 
The heirs were never given a chance to negotiate for the home, the few times we talked to Seterus, they wont speak to us unless we had an attorney, why.We are the heirs and want to keep the home.I filled out an loss mitigation package and send it to the XXXX XXXX  XXXX XXXX back in XX/XX/XXXX, and to this date never received any other info.We have rights and this lender wants to take our home without giving us the option to negotiate for it.We are not responsible for the negligence caused by the court appointed administrator and only want to talk to seriously keep the home.