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

I have been a Plus Member of MoneyLion since about XX/XX/2018. In XX/XX/2018, the mobile app and website began having login issues. When I needed to reset my password, I would have to call and be on hold for a long time. When I requested a new password to be emailed to me, it never arrived. I suspected that my email address might not work with their automated email system, so I called and requested that they change my email address to a different one. The new one did  allow me to receive password reset emails. However, they duplicated my account. Since XXXX I have been unable to access my investment account, which contains over {$600.00}. I have also opened a checking account with them, and am unable to access it either. Luckily, I never deposited any funds into it. I can log in under either email address ( two separate logins ), but neither shows that I am a Plus member. One account does show that I paid off my past loan in XX/XX/2018. That should have allowed me to withdraw the {$600.00}, but my investment account does not appear in order for me to withdraw the funds. They have also continued to charge me {$80.00} a month for my Plus membership, even though I have not been able to access it since XXXX. If I had been able to access my Plus membership ( only available through the app ) each day, the {$80.00} would have been deposited into my investment account to repay me for the membership fees, as that is their policy. I have called many times and have been told that my concerns have been escalated, but no one ever calls back and nothing has been resolved for over three months. They have refused to stop my Plus membership payments or refund the ones from the past three months. I hoped that applying for a new loan might cause my investment account to show up on the app again, but they are unable to verify my identity for a new loan. I have given them a chance to fix these issues and nothing has happened. When I last spoke with MoneyLion on Tuesday, XX/XX/XXXX, they stated that they would be emailing a fraud affidavit to investigate the duplicate account, even though I explained that one of their  agents had created the duplicate account in error. I have not received this affidavit by email. I have seen other reviews where people stated that once their loan was paid off, their investment account disappeared and they were unable to withdraw the funds, so perhaps they are doing that purposefully. I filed a complaint through the Utah XXXX, where they are based, but it was closed without resolution when MoneyLion did not respond.
Product: Credit card

I ordered grass sod at XXXX but I have called to customer service and canceled it. a couple of days later, they charged me so that I called to complain and request for getting a refund on first week of XXXX. but they said grass sod already shipped out so they could not refund. I never got sod since i called and canceled on end of XXXX, also I called to customer service many time but always I had a same answer.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in months that are reported late to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


NATIONSTAR DBA Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

This is second time I have used your consumer portal to address this matter. The first time the debt was with a collection agency for the name of XXXX and I had it removed due to identity theft. Now almost a year later the debt has resurfaced with a new collection agency by the name of Amsher Collections. This account is apparently not mines and I wish to have it removed due to this inaccurate information.
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 Account name : XXXX XXXX XXXX XXXX XXXXXXXX FAMILY SUPPORT DIV # XXXX, has violated my rights. 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 card or prepaid card

Dear CFPB - Im at a loss with Capital One and their lack of customer service assessing an issue we had with a locked card and now closed account due to inactivity. This all started back in XX/XX/2020 with a fraud alert / identity alert generated by Captial one. There was never any fraud, identity theft or charges not paid. They wanted me to prove who I was before they would unlock the card. They asked for a copy my drivers license to to be faxed into their office for that proof. We did this countless times over the course of several months to no avail. Ive called many times and have been told they will look into it. No one will call me back and every time I call I get the same answer. Its mind blowing! I have excellent credit and card has always been paid on time. We have paid the annual fees and generally carried no balance. I have called several times to find out what exactly is the issue with them not responding or unlocking the account. The answer is the account was closed due to inactivity. Really??? How can that be when I couldnt use the card? We did what they asked and its gotten us nowhere. No one will help me get to the bottom of this and seems no one has any skill set to rectify the situation. How can a credit card company be so ignorant to basic reasoning or customer service? I have been a loyal customer without issue and accumulated over 200k miles with this card. To add injury to insult, these miles are unavailable to me since they closed my account. Im hoping you can help me get someone to hear the complaint and rectify the problem. Thank you in advance, XXXX
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. The bank has committed to updating the status to open/never late. Other credit bureaus have already corrected the status of the account after the bank recognized the inaccuracy of the account. I kindly request a thorough investigation into this account and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this time-frame. 

XXXX XXXXXXXX XXXX XXXX ....
Product: Debt collection

My purpose in writing is to raise my concern about the genuineness and precision of this specific account mentioned on my credit report. Approximately a month ago, I submitted a request for an investigation since I suspected that a certain item was being inaccurately reported. However, I never received any type of response. I kindly request you to elucidate the process of your investigation and furnish me with details on your method of verification. I need to emphasize that I have been a victim of fraud, as I never had a Discover account. Furthermore, the inaccurate fraudulent and incomplete information you reported has caused me immense emotional distress. 

Please include the following details in your response : Please explain what your representatives uncovered to lead them to believe that the item ( s ) were being reported legally.

What certified documents were reviewed to conclude your investigation?

Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation.

What was the cost incurred by your company to obtain the documents needed to complete your investigation?

Please provide proof of your timely procurement of certified documents.

Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? If yes, please provide details such as the name, position, date, and duration of the conversation, as well as the telephone number called, and the name and position of the employee who spoke directly to the above party.

Provide copies of all correspondence and any conclusive documentation to prove that you have conducted a reasonable investigation of the account in question.

Provide the date of the commencement of delinquency.

Please provide the specific date on which the items will cease to be reported.

I kindly asked for a notarized affidavit to validate the accuracy and truthfulness of the provided information, in accordance with my civil rights protected by various federal laws. It is important to emphasize that a generic response letter will not suffice. If you are unable to promptly provide all the required details as outlined in multiple laws, including but not limited to the Fair Credit Reporting Act, I hereby insist on the immediate and permanent removal of this entry from my credit report.

Be advised that the description of the procedure used to determine the accuracy and completeness of the information must be provided within fifteen ( 15 ) days of the completion of your investigation.
Product: Mortgage

I contacted USAA to do an interest rate reduction refinance loan for my VA home loan that is currently with USAA. I went through application, and when I received my disclosures, saw that the required disclosure " IRRRL Comparison Statement and Recoupment Calculation '' was wrong. I contacted USAA and my mortgage specialist acknowledged there was an error, but said she didn't know if she could fix it. I told her I wanted to know the actual numbers before deciding on the loan. 

On Saturday the XX/XX/XXXX, I got a call that asked me to send an email/photos of what was wrong. I sent it the same day, with two issues : I was looking for a loan comparison that normally comes with a cash out refinance, which apparently doesn't come with an IRRRL -- - and I was looking for a corrected IRRRL disclosure. I sent photos of the document with notes to clarify the error. 

On XXXX XXXX, I got an email from USAA 's Loan Originator telling me that " we are talking about different things '' and " Unfortunately, we would not be able to generate that document for an interest rate reduction refinance. '' On XXXX XXXX, I received a call from the mortgage assistant stating the same, and affirming that despite the number being grossly wrong, " management '' told the assistant they weren't going to fix it or send out any more disclosures. 

A huge factor in refinance is the recoupment for the loan cost. My current loan is with USAA, however, they incorrectly list PITI and PI as the same amount, despite knowing otherwise. They own my current loan and have ready access to this information. The comparison rate lists the new PI, and comparison PITI correctly, and this " funny math '' makes the time to recoup closing costs grossly incorrect. 

I was told the actual savings for buying down points would be somewhere around {$400.00} per month, with points at the cost of over $ XXXX. However, the disclosure incorrectly states the reduction in PI to be almost {$1100.00}. This is almost 200 % the amount I was verbally told. At this reduction, it would only take 10 months to recoup closing costs, which is what the disclosure states. I have asked repeatedly for an accurate disclosure and was told " no ''. 

I think it's wrong to lie/mislead a customer, much less a Veteran. I have banked with USAA for over 18 years, and I was really shocked that the primary disclosure for IRRRL was grossly wrong. USAA wasn't willing to fix it. I have not received an accurate disclosure. Banks should be held to an accuracy standard.
Product: Credit reporting

experian, Esperian is not allowing me to access my credit history in written form and on the internet. The internet sit does not function correctly and it is creating a catch twenty two situation of a endless loop around and around the system which will not operate correctly. 
I want my credit history sent to me by snail mail and on the internet on demand ; which I have a legal right to access by law.!!!
Product: Debt collection

Forster and Garbus, located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX has been paid in full by me and refuses toforward to me, the letter of satisfaction stating that they were paid infull. Forster and Garbus bought the debt from XXXX and filed a judgment in the with XXXX County Court that states as non satisfied debt paid. I have left Forster and Garbus several voice mails giving them the change of address to send the letter of satisfaction and I have received no response. My new address is XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. The previous address was XXXX XXXX XXXX, XXXX, NY XXXX. I want a letter of satisfaction sent to my home or please advise me on what the next steps to take to have them send what I need. In addition, much of the debt on the XXXX credit card was charged when I resided in the state of XXXX prior to returning to XXXX. They, Forster and Garbus had knowledge of that.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX and XXXX  on my transunion and XXXX delete, no written signatures.
Product: Vehicle loan or lease

On XX/XX/2023 we traded in our XXXX XXXX that was financed with Driveway Finance. On that day I logged into my online account with Driveway Finance and provided the dealership with the payout amount. Our next payment was due on XX/XX/2023. On XX/XX/2023, Driveway Finance deducted {$360.00} from my account. When I noticed and logged online, my " auto-pay '' was turned off. I called Driveway and I was told that the new bank ( XXXX ) did not pay the total amount and I was charged with the difference which included a late fee for the XX/XX/XXXX payment, a returned check for the XX/XX/XXXX payment, and a late fee for the supposed XXXX payment that I was not even aware. The representative informed me that XXXX sent a payment of {$33000.00} and the total payout was {$33000.00}. The XX/XX/XXXX late fee was {$31.00}, the return fee {$25.00} and the XXXX late fee was {$39.00}. The numbers simply don't match. 
So I asked the representative to provide me with a statement with a complete history of payments, dates and loan information. She informed me that she would need my personal email because the email on file is my work email and per policy they can not send to a work email or business. I questioned the reason because I used my work email to create the account online and have received emails from Driveway Finance in the past. 
My complaints are the following : XXXX Lack of information available to consumer. The portal where we access the account does not show payment history, fees or any other essential information related to the original loan. 
XXXX Lack of communication. I have not been emailed or received a letter notifying me that I still owed them money. 
XXXX Unauthorized charge. My account auto-pay was turned off and yet I was deducted money. 
XXXX Lack of transparency with consumer related to information request. If a work email or business email can be used to open an online access, therefore the same email should be used to receive documents related to the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, Friday XX/XX/XXXX, once again Equifax has refused to give me my free annual credit report. I report this every year. I've spent hours trying to resolve this since XXXX. Every time CFPB ignores my actual complaint. 

I want to know why I can not get my credit report online from Equifax. I want to know why this happens every year since XXXX. 

This is the error I received : XXXX XXXX XXXX I DO NOT want a PHYSICAL copy of my report from Equifax mailed to me. 

I want it available online like it is supposed to be.
Product: Debt collection

I got a letter from CBE Group roughly 6 months ago, stating I owed money to the IRS. That is another issue in itself that has been in remediation. I responded to the CBE Group with a debt verification letter, seeking more information, including proof that they were the authority in collecting the supposed debt. I received a letter back, reiterating the amount I supposedly owed ( again, I had already been in talks with the IRS as well ). I wrote back to CBE Group stating that since they could not verify or validate the debt, as was requested, then I would not be paying. That last communication was in XX/XX/2021. Yesterday- XX/XX/2021- I got another letter with the supposed amount owed. The IRS is listed as a " creditor '' on this letter. I wrote a response letter, again asking for validation/verification of debt, and stated that I would be filing a complaint against them with the CFPB. CBE Group failed to previously validate this debt, and are again trying to collect. This time, the amount is roughly double the original amount due to " interest '' and " penalty ''. Considering they never verified the original debt, I do not understand how it has almost doubled. 

Some things I added to the response to this most recent letter : - The verified amount owed upon your first contact with me - The age of the debt upon your first contact with me - A copy of the agreement with your client that grants you- the CBE Group- the authority to collect this supposed debt - A copy of any signed agreement that I have made with the collector, or other verifiable proof that I have a contractual obligation to pay this supposed debt - A statement that the debt is assumed valid based on my initial written response You are also in violation of interest installments and penalties. Having failed to previously validate the debt, you can not continue to charge interest or penalties. Please also correct the total amount of debt to the time you made first contact with me, and also provide the total amount on the debt that I first requested validation of this supposed debt.
Product: Credit card

I had a credit card issued to me by Continental Finance, I 've had it for about a year. I fell behind on payments after being laid off. I was finally able to make a payment of XXXX in XXXX of this year. A month later I started receiving phone calls from a debt collection agency informing me that they were contacting me on Continental 's behalf to collect payment on the account. I informed them that I had just recently made the XXXX payment but they advised me that they had no record of that and had just received my file a couple of days before they called me. I called Continental and advised them of the situation, that was when they told me that my account had been charged off and sent to a collection agency days before I made my payment of XXXX. I am reporting them because not once did they inform me that my card had been charged off and was closed. Infact I called a day before I received the call from the collection agency to report that I needed to get a new copy of my card. My online account information shows my payment and my balance and how much credit I have available to me. No where on the page does it show that the account was closed and my card no longer valid. I am in the process now of trying to get proof of payment and that has been a hassle because I 've had XXXX different people give me different steps on how to obtain that information. In the end I am left to fax a letter to a number with no person listed and I am hoping that someone will get it and send me back proof. I have not received anything as of yet.
Product: Debt collection

I have been contacted several times from a company claiming that I owe a  cash advance loa n in the amount of {$3300.00}. They have contacted my home and place of employment even after I have requested that they cease. The company representatives have threatened to place a lien on my home, have me served at work and my pay garnished. When I contacted them at  XXXX ,  XXXX   XXXX  as they request, they will not provide me with any information unless I verify the  last four digits  on my social security number and other personal information, which I refuse to do, after which they hang up on me. I have never tak en a cash advance loan, so I know the loan is not mine, however they will not stop con tacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account disputed several times with no outcome of being from Experian credit report even with all documentation provided XXXX letter stated they no longer manage my account and XXXX XXXX took over account ; however when I contacted XXXX XXXX in XX/XX/2022 they stated my account or name is not in their data base and sure why XXXX would have me reach out to them. This dispute has been going on for XXXX  months with no resolution. 
In addition this account was never part of bankruptcy due to being dismissed/cancelled which means it never occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Experian today telling them I had not authorized several inquiries and they told me they couldn't do anything about it.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX