23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Amerihome, Mortgage Company notified me on XX/XX/XXXX about my home insurance expiring on XX/XX/XXXX and wanted a renewal policy. I called XXXX XXXX, current home insurer, about my policy. They had sent a renewal policy, but the address was wrong due to the mortgage switching between 3 companies in the first year. I gave XXXX XXXX the correct address, and they mailed it again. I got an email from XXXX XXXX on XX/XX/XXXX about not receiving payment from Amerihome. I contacted Amerihome about the problem. They said a renewal policy was not received. I called XXXX XXXX and got a pdf copy. I then uploaded the document to a website Amerihome told me to use. I got a message today, XX/XX/XXXX, that Amerihome has still not paid the home insurance policy and would be canceled on XX/XX/XXXX if not paid. I looked online at Amerihome and {$560.00} was taken out of my escrow account on XX/XX/XXXX and states the insurance policy is good through XX/XX/XXXX. I called XXXX XXXX and notified them that money was taken from my account to pay the home insurance bill. They stated that they never received any payment. I called Amerihome, and they stated they sent a check to the XXXX XXXX main office in XXXX, GA. I contacted XXXX XXXX to contact the main office. XXXX XXXX called me back and told me that no check has been received by the main office. I called Amerihome, and they are not willing to do anything else until 30 days after XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

I had been struggling to pay my loan anyway, but on XXXX XXXX, I was rushed to the hospital for having XXXX. XXXX was ruled out, and the XXXX are stemming from my XXXX from XXXX. I wasnt released until XXXX XXXX. On release, I am restricted from working, driving, and any military duty until released by a XXXX. I was put on FMLA at work with no access to an income. I then had XXXX XXXX on XXXX XXXX, which has me limited also. I ran out of FMLA time at work, so I had to resign. I can not get unemployment, because I can not accept a job when called. I have no income still. Family and friends were helping as much as they could, but even they are limited on income. I have no home, so I live with my dad now. I was living with my girlfriend, but was thrown out over personal issues. The merchandise is still at her house. I told Conns all this, multiple times. Ive told them to come pick up the merchandise, but they had opted to push calls back instead or offer me a reasonable payment to catch up. My bank account is negative, I can not pay my health insurance, and my ex is paying my cell phone to keep it on. So the last thing Im concerned about is a loan I can not pay either. I told them to pick the merchandise up again, and they want me to be there. Im not there right now. They turn everything I say around on me instead of listening and helping me. Im trying to file bankruptcy, that Ive also told Conns, but I dont have money for that either. They are calling me everyday now since Friday at least. It seems to me that they are harassing me and/or trying to annoy me to get a payment. Ive even told them to stop calling and take me to court. I dont know what else to do!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've contacted XXXX & they told me I've never missed a payment, yet Equifax refuses to remove me from being listed as late on XX/XX/22 on the account. They told me they are not required to allow me to dispute this inaccurate information any longer. I constantly have to do Equifax 's job for them to shield my credit & prove my identity. I've sent documentation of the concerned months in question prior and they STILL refused to remove these damaging negatives from my profile. under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please correct this misleading information ; XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that trafficking. 

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

XXXX XXXX XXXX XXXX is showing that the account was charged off and I never received the 1099C for this account and therefore the account is reflecting false information and should be removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I sent a check to Ocwen for XXXX knowing I would have a small balance left on my mortgage. Almost 30 days later I received the check back without an explanation. I called and spoke to XXXX ID # XXXX he said if I paid over 80 percent of my mortgage I would have to pay the mortgage in full. He gave me the pay off amount and I sent a check in XX/XX/XXXX for XXXX. Almost 30 days later I received the check back without any explanation. I called and spoke to XXXX ID XXXX. He told me that the check needed to be certified and gave me a new payoff amount of XXXX which was XXXX more. I asked if they could waive the increase and was told it would take 30-90 days. A supervisor by the name of XXXX XXXX XXXX was supposed to get back to me but never did. I was under a time restraint sent the certified check in for XXXX. Today XX/XX/XXXX I found out the Ocwen reported a delinquency on my credit report for the month of XX/XX/XXXX. I called them and was on the phone for 3 1/2 hours. I spoke to XXXX XXXX, XXXX ID # XXXX, XXXX ID # XXXX, XXXX ID # XXXX and XXXX ID # XXXX who finally told me to call XXXX XXXX in the abundsman department. She asked me to email her asking for a courtesy credit adjustment. She advised me it could take up to 15 days because management had to review it. I asked her if I could speak to someone in management and she said no I would have to wait to hear from someone. I am trying to obtain a new mortgage and need this resolved in a timely manner. It's unbelievable to me that common sense of them receiving money and sending it back to me, the stress of taking 3 months to pay off my mortgage because of their " policies '' which were never clearly communicated in the first place and then they ( probably a computer generated program ) reports a delinquency which effects my credit score. How easy would it be to say - Yes I see that we kept sending the money back. I am very sorry. I will correct your credit report right away. I'm sorry. No, that was not the case. It was exhausting. Please help. This is a time sensitive matter and I should not have this effect my credit because of their incompetence. Thank you.
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 # XXXX, XXXX XXXX | ACCOUNT # XXXX, XXXX XXXX | ACCOUNT # XXXX, XXXX XXXX | ACCOUNT # XXXX, XXXX | ACCOUNT # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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.

My dispute remains unresolved, and I am deeply concerned about the negative impact these inaccurate accounts are having on my credit score and financial well-being. I have provided substantial evidence supporting my claim.

I urge you to immediately investigate these discrepancies and remove the disputed accounts from my credit report permanently. Failure to do so within 15 days will unfortunately force me to escalate this matter further.

Please be advised that I have contacted the XXXX XXXX XXXX XXXX XXXX to seek guidance and assistance in resolving this issue. Additionally, I am prepared to pursue legal action for violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws. This includes the potential for seeking damages arising from the harm caused by these inaccurate reports.

I sincerely hope that we can resolve this matter amicably and avoid the need for further action.

Please respond to this letter within 15 days with a confirmation of the removal of the disputed accounts. I look forward to a prompt and satisfactory resolution,
Product: Vehicle loan or lease

I made my payment online, as I always do. I got a confirmation stating that the payment was made. There is plenty of money in the bank account. I even made an extra payment ( as I always do ) to get ahead. They have yet again reversed a charge now claimed it was late and added unfair and deceptive fees. I had my assistant call and they can not provide what " bank '' reversed these fees. I have no charge on my bank accounts that was reversed or even went through at all. They are having tech issues or intentionally reversing charges to add late fees. I have paid this ontime EVERY TIME yet they are hurting my credit and being unfair and deceptive. I just paid off a car after a wreck and they did the same things. PLEASE LISTEN TO THE RECORDINGS!!!!! They are saying there are fees that we dont see. They are saying they don't know what bank! PLEASE GOD ACTUALLY GET THE RECORDINGS! WE JUST CALLED! Literally the email dates are different! I made a payment on XX/XX/XXXX. They said my payment on XX/XX/XXXX didn't go through? I didn't have one scheduled for XX/XX/XXXX. THIS IS SO RIDICULOUS! It took so long to be able to build my credit and these XXXX have no accountability! IT SAYS I DONT OWE ANYTHING YET I GET EMAILS FOR DIFFERENT AMOUNTS AND DATES!
Product: Mortgage

My credit was ran ( hard inquiry ) without my permission by XXXX XXXX with Mortgage Solutions following a XXXX XXXX inquiry online. I felt like I was forced to go with this company or I could risk having my information shared on the internet or stolen by the loan officer. I found out my credit report was ran after opening an email he sent containing all of my personal information ; it was scary and surreal because I knew I had not shared this information. He states that he confirmed my information with me on a phone call earlier that day and I am certain that never occurred. I never share or confirm my social security number over the phone with a random person.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX, 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 a account without my written instructions XXXX XXXX
Product: Debt collection

I reviewed my credit report and found an unpaid debt, that I was unaware of. I did locate a mailed statement, which showed my last name was spelled incorrectly. Emails were sent as well but I did not open them believing they were spam or fishing attempts and deleted them. As a result, I was not aware of this unpaid debt. 

The amount owed is {$360.00}, based on the last notification from XXXX dated XX/XX/XXXX, this appears to have been outstanding since XX/XX/XXXX. I know this was originally from the use of an Old Navy Credit card, which I never received a paper/mailed bill. The Old Navy Credit Card system was paperless, which I never agreed to. 

Below is the communication emailed through the XXXXt " Contact Us '' page. As noted, I did include a copy of my driver 's license showing the misspelling of my last name. 

Attention Correspondence Department : Following up on the phone conversation on XX/XX/XXXX with XXXX. Due to the misspelling of my name, I did not open any messages because I believed that they were spam or fishing attempts. For this reason, I am requesting that this collection be deleted from my credit reports. I will be submitting a complaint to the CFBV. I have attached a copy of my driver 's license for proof of misspelling of my name.
Product: Checking or savings account

I am hoping you may be able to assist me with filing a formal complaint against Ally Bank on their unfair and bad faith processing in the closing my CD account. 

On XX/XX/XXXX I made a request for an early withdraw on a XXXX, $ XXXX CD ( knowing there would be a penalty ), as I was using the funds to close on a new home. I was told that it would take 3-5 business days. Over the course of the next 9 business days, I made numerous calls to supervisors and spoke with associates via their online chat. Ally Bank continued to provide inconsistent, inaccurate, and false information regarding the status of my account. As a result, we were not able to close on our house. ( Please note that I closed a CD with XXXXXXXX XXXX for the same amount on XX/XX/XXXX, and XXXX delivered the funds within 3 business days. ) My money was released on XX/XX/XXXX after numerous conversations and being transparent with Ally that we were filing formal complaints against them for the unnecessary delays. 

On XX/XX/XXXX, I received an email from Ally regarding the complaint I escalated to their management. They responded that my original request took longer because they had to process a fraud prevention review. This was NEVER explained or communicated to us during any of our conversations. We had 3 other CDs of the same amount ( requested on XX/XX/XXXX ) from other banks who had no problem releasing and wiring the funds to my XXXX XXXX account within 2 business days. 

I feel that Ally consistently lied about the status of my request and held onto the money far longer than the usual ACH regulatory guidelines of 2-3 business days. None of Allys online information regarding ACH transfers speaks to any fraud prevention review. I had to argue with a supervisor to request their ACH policy, which I still have not received, nor do I trust that they will send it. 

Up until the release of the funds on XX/XX/XXXX, I was truly concerned that they, in fact, did not have my money and we were dealing with a serious banking issue and potential loss. 

We almost had to forfeit our home purchase and lose our deposit because of this situation. We are closing on our home almost a week later and have incurred additional expenses not only from added fees from closing, but also because we had to release 2 additional CDs, which were used to cover the costs of closing since we did not know when Ally was going to give us our money back. As a result of XXXX incompetence, this cost us over {$8800.00} in lost interest on those 2 CDs. 

While this has been an extremely upsetting and stressful course of events, I am also concerned that this is happening to others who may not know that they have agencies who may be able to advocate for them.
Product: Credit card or prepaid card

On XXXX, Merchant had Charge back {$2500.00} to a customer whom job we had completed. Merchant said there was nothing they can do and we had proof that we did the job on XXXX. We spoke to the customer also in which she said she did not call back to get charge back. How can a card company charge back without informing us what was going on. Instead right away they proceed with chargeback in which I did not know until yesterday. Nobody had call us nothing. My money is not a toy you give and you take back. The job was completed the customer was happy there was no reason for the chargeback.
Product: Credit reporting

The credit report is showing my credit card debt as being very high, I have paid most of the credit cards off now over a month ago. I need my credit score to be shown accurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous complaint that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ( names, accounts or inquiries : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$260.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$770.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX  XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the presence of unauthorized and inaccurate accounts and inquiries on my credit report, which I received on XXXX XXXX XXXX XXXX XXXX XXXX. After a careful review, I have identified multiple accounts and credit inquiries that I did not initiate, authorize, or recognize. These entries appear to have been added to my credit report in error or as a result of fraudulent activity.The inclusion of these erroneous items has unfairly impacted my credit score and overall financial standing. This matter is causing significant concern, as my credit history is being unjustly damaged by information that is neither accurate nor reflective of my true financial activities.
Product: Credit reporting, credit repair services, or other personal consumer reports

2019 I discovered that there has been several properties purchased with my name and social security number in the state of Georgia. I have continually trying to reach out to the property. The XXXX police department in several districts. I have called the GBI I have called everyone that I could possibly think of to report that someone has used. My social security number to purchase these properties with my name and social security number. The address is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX Georgia. XXXX Upon going down to the department of records downtown XXXX. I notice that this person has more properties with my name and social security attached. To it? Not just this address but other progressions as well
Product: Student loan

Since Heartland ESCI took over my loan a few months ago, I have seen a sudden and unexplained increase in my regular payments. In addition to the monthly payments I make, I am frequently sent messages informing me that I have an additional {$40.00} that I must pay. What this payment is for has never been explained to me, and I have received no response whatsoever to any of my frequent requests for clarification via the company 's customer service page. Due to my own work schedule and my time zone, I am largely unable to contact the company by phone, and the single instance in which I did manage to call resulted in an hour-long wait time. I continue to make my regular monthly payments ( which again, were inexplicably increased ) and yet I still get hit with this additional ( likewise unexplained ) {$40.00} fees. From my understanding of the XXXX statement 's page ESCI gives me, I am also paying a " convenience fee '' for paying online. On the whole, I feel that I am paying my loans, paying additional fees, and paying for the right to make these payments. And I have yet to receive any explanation or cost-breakdown from the lender, who frankly seem to have no interest. The impression I get from the company is that I 'm a borrower, not a customer, without any right to explanation or common courtesy. At this point, I am so frustrated by Heartland ESCI that I am hoping to pay off my loan in one fell swoop, rather than continue to interact with this company.
Product: Student loan

Issue  with Fedloan. Is sue since  XXXX   XXXX  regarding an incorrect interest balance. In  XXXX   XXXX  an incorrect amount of interest capitalized on my account. I was on an income driven repayment  plan ( pay as you earn ) and was determined to pay {$0.00} a month in payments and the government therefore woul d pay my interest from  XXXX   XXXX . This did not happen due to some error, and so at the end of the yea r ( when I switched to a new repayment plan that required me to make payments since I was now employed ) the amount was put on my account and the interest capitalized. I had to make numerous payments to pa y down that interest beginning in  XXXX   XXXX . This was interest that never should have been there, thus those first several payments would have been going to pay down the loan principle, but instead had to go towards the interest that should have never been there. I have been told via phone that this will be remedied although the exact timeline is uncertai n ( Granted it w ill be 2 years of this issue in  XXXX   XXXX  ). I recently received written confirmation stating that, " Our records indicate that you will be granted the interest subisdy for the period of  XXXX  of  XXXX  to  XXXX  of  XXXX . We do not have a timeframe or amount for this yet, but you will be notified once it is completed. '' I do not understand where this timeline of  XXXX   XXXX   XXXX   XXXX  comes from. There was also no written confirmation verifying the amount of repayment, nor how it was calculated. I am worried that simply granting me the interest subsidy that was lost is not enough, since it ignores the fact that my initial payments in  XXXX  would have otherwise been able to go towards the loan principle. Because they instead were forced to go to the interests that should n't have been there in the first place, the repayment life of my loans has been prolonged by more than just the amount of the missing interest subsidy.     I have been documenting this process and been met with inadequate, vague responses, or no response at all.
Product: Debt collection

XX/XX/2016 penn company claims I owe amount {$4700.00} I have never contracted brought or used any services from this company I have disputed the claim to no avail.