23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer, a natural person, and a protected person under federal law. In accordance with the Fair Credit Reporting Act, ACIMA DIGITAL FKA SIMP has violated my rights. Regarding alleged account # XXXX 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. 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 15 U.S.C. 1681 States that consumer reporting agencies are required to ensure that the needs of the consumer are met in a way that is fair and equitable in terms of confidentiality, accuracy, relevancy, and proper utilization of such information 15 U.S.C. 1681c2 : A Block and remove in 4 days
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX  to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
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 Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$3200.00} XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I am writing to dispute the following information in my file. 

Enclosed are copies of previous disputes and other documentation supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX XXXX XXXX XXXX did an inquiry on my report without my consent. 
2. XXXX XXXX XXXX XXXX XXXX XXXX XXXX did an inquiry on my report without my consent. 
3. XXXX XXXX XXXX XXXX XXXX did an inquiry on my report without my consent. 
4. XXXX XXXX XXXX XXXX XXXX did an inquiry on my report without my consent.
Product: Checking or savings account

I opened a BECU account under the refer a friend program. I never received the bonus. It has been the full amount of time to wait and still have not received. I called in several times saying wait few more weeks and I did but the bonus was never put in the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute letters were sent in XX/XX/2021, and I have yet to receive any letters regarding dispute results or updates.
Product: Mortgage

I have been on a COVID forbearance since XX/XX/XXXX due to me no longer working due to COVID. I received a letter from XXXX/The money source advising my escrow was short and demanded {$3000.00} because they paid out for homeowners insurance 3 times. I borrowed the funds and mailed the escrow payment in XXXX. The payment came in 2 checks with escrow deposit written all over it with the escrow coupon. XXXX/the money source held the checks for over 1 week before actually showing on the account. I called daily to find out what was going on because the money had already come out my account but they didn't post it until XX/XX/XXXX and did not it towards escrow as they should have. The posted the month as 2 payments because its behind which doesnt matter if Im requesting funds be placed back in my escrow that was paid out three time by you people. MY MONEY SHOULD BE PUT TOWARDS THE ESCROW AS REQUESTED. YOU DO NOT DETERMINED HOW FUNDS ARE APPLIED. MY LOAN IS OWED BY XXXX  XXXX AND NOTHING TATES I CANT PUT FUNDS TOWARDS ESCROW. THEY DEMANDED THESE FUNDS AND THEN TOOK IT AND APPLIED AS THEY WANTED TO. I AM IN A FORBEARANCE. The representative talk to me like I'm beneath them because im behind on my mortgage which is not due to any fault of my own. They do nothing to help but tell me Im past due. I feel so ashamed!
Product: Vehicle loan or lease

Im writing because I noticed that my most recent credit report contains a late payment of 30 day in XX/XX/XXXX of this years i call region back in XX/XX/XXXXof this year to change my payment due date to the XX/XX/XXXX of each month and also to set up an auto pay that never took place in my head i am thinking i am on auto pay and auto never took place i have the loan for a long time never miss a payment always made my payment on time. 
Id have an excellent repayment record.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I started receiving alerts from my credit report monitoring service that several inquires were hitting my credit at the same time. Being that I have very good/great credit, Im worried that one of the inquires may have turned into an approved/open account. If that is the case then I will be see what I have to do to get that account closed and removed from my credit. 

In addition, I purchased a car from XXXX XXXX XXXX XXXX on XX/XX/2018. However, two new inquires showed up on my credit on XX/XX/2018 and XX/XX/2018. I did not authorize XXXX XXXX XXXX to pull my credit AFTER I've received the vehicle.
Product: Debt collection

I have been recieving phone calls from XXXX for about a week daily yesterday i answered the call on the XX/XX/XXXX they explained too me i owed money for medical! so i paid the amount after a manager named XXXX said he could lower it due to hardship, originally it was XXXX he lowered it to XXXX XXXX charge and XXXX a 2nd charge .. to my card! after i checked my records and saw that none of my medical dets are listed under the same creditors i knew they were frauds! i have called over 20 times all night till morning and they hang up on Me!! today is now thre XX/XX/XXXX and it is XXXX ; XXXX XXXX i have been calling for8 hours and i get hung up on each time? ive stopped my credit card but my card company says they will get the money because i gave them my #, but they were dishonest to get it how do i get my money back
Product: Mortgage

Hi, I have entered into a loan contract with NewRez LLC to refinance my mortgage. The loan number is XXXX and the agents handling my loan are XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ). 

On XX/XX/XXXX at XXXX XXXX  Mr. XXXX and I discussed the loan over the phone and agreed on the terms. In that call Mr. XXXX informed me that the requirement to conduct an appraisal had been " waived '' and that the loan was ready to proceed. 

On XX/XX/XXXX I received an email from XXXX XXXX indicating that my loan has been approved. Upon emailing Mr. XXXX of the good news, he informed me that Ms. XXXX would be handling the closing from here on. 

I attempted to contact Ms. XXXX several times between XX/XX/XXXX and XX/XX/XXXX to discuss the closing process. The attached log shows the calls. 

On XX/XX/XXXX I received the closing disclosure, which described the final loan terms and closing costs. On XX/XX/XXXX ( today ) my wife and I signed the closing disclosure. 

On XX/XX/XXXX Mr. XXXX informed be that despite being provided with the final loan terms and closing costs, and although having signed an agreement to proceed with closing, that now NewRez needs an appraisal. Conducting an appraisal at this point will impact the loan terms and closing costs, which were already finalized. 

Mr XXXX informed me via email ( attached ) that the firms to which he intends to sell the loan to are requesting the appraisal and it is out of his hands. 

I would like the CFPB to compel NewRez to honor the loan agreement that they offered and I signed and commence with closing. It is not my concern as a borrower if the resale market for my loan has changed and NewRez wants to change the terms as a result.
Product: Credit card or prepaid card

Week or so prior XX/XX/18 saw ad on web page from Discover, for balance transfer at 0 % /14months. I applied for {$14000.00} + 3 % fee. They answered showing the total amount, and informed " Approved '' - I would be getting card soon. XX/XX/XXXXrecvd card and checked with my bank to see if transferred - Not so, therefore called Discovery who claimed I was only approved for {$950.00}. plus {$50.00} left on card. Very upset and talked to Supervisor in Ohio ( XXXX, Badge XXXX ) - Informed her this was misrepresentation/Scam/Fraud and wanted card cancelled and transfer not made. She claimed amount in process and the only option was to contact my bank asking them to return the {$950.00}. ; but I declined as did not want to get my bank involved in their mess, so just asked the card be cancelled and they should inform the credit agencies as this would affect my credit score. Aside from cancellation, they could not do anything else. I have ripped the card but now I am stuck with another separate loan payment. They need to inform people of amount approved before sending card. Seems to me a good scam to provide addtl cards, possibly with intent people will use them when desperate, and at a LOAN SHARK rate. Pls look into their practice method. Thanks
Product: Money transfer, virtual currency, or money service

First, I staked ethereem with coinbase I Eth XXXX with the promise of a certain APR, which was XXXX radically reduced to less a les than inflationary rate which I couldn't withdraw from foe months. Second, my staked eth ended up in a second " product '' called an Eth vault which I can not withdraw from. I have followed the procedure at least four or five times and including the confirmation procedure within 24 hours and it is canceled everytime. No withdrawal from the vault. Then it gave me a notice about a 30 day cycle which didn't make any sense because it didn't originally advise me of that and it seems to day that there is only a two day per month window to withdraw Eth from the vault. This is a scam and I wonder how much of our vaulted Eth is really there and how much is loaned iut without FDIC protection. This is worse than XXXX 's behavior and seems to be more like XXXX and XXXX XXXX 's behavior. It is intentional because Coinbase has a solid tranfer code for regular transfers. I have lost many opportunities to rej vest my money. It is only {$27.00} as of today that is at issue but it is the general principle ( hereinafter referred to as " XXXX '' ) of the matter, and it is happening ro a lot of accounts according to XXXX Please help. My coinbase account is under my email account : XXXX. thank you. This is a formal complaint and I am waiving any a.d.r. available.
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning erroneous name, addresses and unauthorized inquiries on my credit record. This information does not belong to me. I need this fraudulent information removed immediately.
Product: Payday loan, title loan, or personal loan

I have been trying to get ahold of this company for 2 months now about my ppp loan they sent that went to the wrong account and no luck i habe sent many tickets nobody reapomds the number i call stays busy i have tried womply no help.
Product: Student loan

MOHELA is mishandling the PSLF program and it is now hindering my loan forgiveness timeline. I am enrolled in the PSLF program. I should be at 120 eligible payments as of this month ( XX/XX/XXXX ). Inexplicably, XXXX is showing up as ineligible toward PSLF due to forbearance, despite the fact that 1. I did not request forbearance and 2. the information provided by MOHELA states that the months of XXXX, XXXX, and XXXX of XXXX will count toward payments counts under the PSLF program. As it stands right now, I will need to submit at least one more payment ( XXXX ), if not more, as well as another Employment Certification Form after I make the XXXX payment, despite the fact that I already completed one after my XXXX payment since that is when my loans should have been eligible for forgiveness. I am also due a refund for my XXXX payment since the account was put into forbearance after I had made that payment. Any time I call customer service the rep is friendly but unable to provide any relevant information such as why this is happening or when it will be taken care of.
Product: Mortgage

We applied for a refinance with Wells Fargo in XXXX XXXX. I am an existing customer for 5+ years and wanted to go to a 15 year term lower rate. I provided all of the documents WF requested and kept requested for two  months. WF also required that I closed my current HELOC loan with XXXX XXXX as part of the closing conditions and to honor the rate they were offering. I closed the account and provided multiple documents that the HELOC was in fact closed. WF set a closing date of XXXX. XXXX XXXX called me at XXXX on XXXX and said WF had " computer issues '' all day and they were not able to get the closing info to my title company and we needed to reschedule. We rescheduled to XX/XX/XXXX @ XXXX. On Friday XXXX XXXX received the following email from XXXX XXXX and I replied no problem. 

Hi XXXX, I wanted to give you a heads up that with your new closing date there is a minor change with the cash to close amount. The new cash to close due to you at closing is {$290.00}. The loan amount is {$420000.00}. 
Let me know if you have any questions. 
Thanks, XXXX XXXX Mortgage Loan Closer I P : XXXX ext. XXXX F : XXXX Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX I then received the following email from On XXXX at XXXX XXXX ( less than 24 hours from closing ) from XXXX XXXX. 

Good Morning XXXX : We are trying to get your closing documents out this morning but it looks like we are going to need to update a couple of things that expired on XX/XX/XXXX. If you would please send these to me as soon as possible, I would appreciate it. 

Items needed : 1. Copy of XXXX bank statement ( all pages ) for XXXX XXXX account # XXXX XXXX. Copies of XXXX & XXXX bank statements ( all pages ) for XXXX XXXX account # XXXX 3. Updated XXXX XXXX XXXX statement to match the ending date of your XXXX bank statement for account # XXXX XXXX. Update Balance Sheet to match ending date of our XXXX bank statement for account # XXXX Im sorry we need to do this at the last minute but I do appreciate your help. 

Please let me know if you have any questions. 

XXXX XXXX XXXX Mortgage Loan Processor ( Safe ) NMLSR ID XXXX Sorry does not cut it. I emailed XXXX to contact the XXXX XXXX ( XXXX XXXX XXXX  ) NMLSR ID XXXX and have him call me. XXXX called me and advised that's the way it is and underwriting has to have this information or they would not close the loan. I asked how can that be? We had provided them all of the documentation regarding tax returns. XXXX said do you really want to give this rate up? No I didn't want to give the rate up but they blindsided me in the final hours and used there underwriting bullies as an excuse to not honor the closing. This was Bad faith all the way around or just a total lack of competence within all parties at WF to get on the same page. Clearly we were set to close and denied by WF.
Product: Debt collection

I applied to rent an apartment at XXXX in XXXX XXXX while it was still under construction in XXXX of 2019. My application was denied and I never moved in. A few months later I noticed that I had a collection on my credit report for a security deposit for XXXX. I have disputed this item and had it removed from my credit report several times only to have Transworld Systems Collection Agency continue to put it back on my credit report. I am tired of disputing it and want it removed for good. I dont understand how they think I should pay a deposit for an apartment I never lived in. If their story is that the amount was to hold the unit, that would also be senseless because again, the building was still under construction at the time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, Equifax and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, Equifax and XXXX have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Bank account or service

I have repeatly applied for Credit and have been refused. My Ex-wife sold me property under a fraudulant Document. I filed for divorce and paid the court ordered support. I have been told if I want this harassment to end I would have to remarrie her. She has abused me financially since 1969. Presently I ca n't get a Credit Card. It seems as if I am a Target for Fraud.
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/2023 ( USPS tracking number XXXX XXXX XXXX XXXX XXXX XXXX ). The company only removed one of the inaccuracies ( XXXX Account number : XXXX ) and has yet to provide verifiable proof of the investigated accounts which is required by FCRA law. The company is illegally reporting inaccurate information ( XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX ) on my credit report. Today makes 32 days since I requested the information in which they have yet to provide. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Under the FCRA, unverifiable accounts must be removed if you are unable to provide me with a copy of verifiable proof. Under federal law, you have thirty ( 30 ) days to complete your investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( XXXX ) days of the completion of your investigation. None of the information was provided within the time frame. The reporting practices that they are observing is illegal.
Product: Debt collection

This correspondence is to notify ABSOLUTE RESOLUTIONS INVESTMENTS that there are three ( 3 ) fraudulent accounts being furnished on my consumer report that must be removed. 15 U.S.C. 1681s2 ( A ) ( 1 ) Astates " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonablecause to believe that the information is inaccurate ''. 15 U.S.C. 1692 ( e ) states that a false, deceptive, and misleading representation, in connection with the collection of any debt includes false representation of the character or legal status of any debt. It further identifies as a deceptive practice any threat to take any action that can not legally be taken. Furthermore, ABSOLUTE RESOLUTIONS INVESTMENTS debt collection practices are in violation of the FDCPA. Please see attachment for further details.
Product: Checking or savings account

On XX/XX/23 I received an overdraft notice alerting me that I had overdraft charges on my account I have included this notice in this complaint In this notice it shows a balance of {$200.00} The notice alleges that the XXXX charges that came in that, brought the account down to {$96.00} ; and then allegedly the XXXX XXXX PAYMENT FOR {$200.00} OVERDRAFTED THE ACCOUNT However in my account statement in online banking, that is also attached it shows this XXXX XXXX payment having been paid and an ENDING DAY BALANCE of {$1.00} These two different balances and accounting are in direct conflict of each other and both fifth thirds own numbers. 


The account statement shows a very different balance than what fifth third alleges was the ending day balance that day. It does not show the bank paid these 2 incoming charges from the XXXX and thus when the XXXX XXXXXXXX payment came through, there was only {$96.00} and not enough funds, over drafting the account for that XXXX XXXX payment. This statement shows the XXXX XXXX payment was paid and posted, thus the overdraft charge and overdraft statement is incorrect and indirect conflict of the banks own account summary statement. 

IF THE BANKS OVERDRAFT NOTICE IS CORRECT, AND THEY PAID THOSE 2 CHARGES AND THERE WAS NOT ENOUGH FUNDS FOR THE XXXX  XXXX PAYMENT ...... 

WHY WAS THE ACCOUNT OVER DRAFTED THE FOLLOWING DAY FOR CHARGES THAT WERE SUPPOSEDLY PAID ALREADY?? 


THE BANK DEDUCTED PENDING FUNDS WITHOUT APPLYING THEM IN ORDER TO REORDER POSTING ORDER AND MAXIMIZE OVERDRAFT FEES AGAINST CUSTOMERS THESE FRAUDULENT PRACTICES OF THE BANK HAVE SET THE ACCOUNT NEGATIVE AND CREATES A DOMINO EFFECT OF NEW DELINQUENT FEES. 

EMPLOYEES OF THE BANK AGREE THE ACCOUNT SHOULD NEVER HAVE BEEN CHARGED THE ORIGINAL OVERDRAFT FEE FROM XXXX  XXXX. 
HOWEVER THE BANK 'S FAILURE TO REVERSE AND CORRECT THESE ORIGINAL ERRONEOUS FEES IS CREATING NEW COMPOUNDING FEES.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/18 requesting XXXX XXXX XXXX XXXX to validate charge off of {$8600.00} and of another amount of {$5700.00} with similar situation. Never received a letter in regards to validation. A copy of the letter is attached.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I noticed XXXX fraudulent accounts that were previously deleted have been reinserted without the required 5-day written notice, as outlined in the FCRA. The accounts are fraudulent, already removed, and their reinsertion violates my rights. 

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} I submitted a new dispute on the XXXXXXXX XXXX XXXXXXXX and they claim have finished their new investigation by the next day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report. There is a address listed I never heard of & the spelling of my name is incorrect. The address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX. XXXX XXXX XXXX have never been used by me. I have never lived in Michigan, nor have I ever gotten credit there. I have no idea who the person/persons are. XXXX XXXX XXXX was refinanced on 2004, while I was under wage earner. I was discharged XX/XX/XXXX from wage earner. The new loan was with XXXX XXXX servicing. Someone had that account transferred/sold.