23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I recently refinanced my home due to the drop in interest rates. On XX/XX/XXXX I made my first electronic payment in full via my online banking portal. The payment was due on XX/XX/XXXX. On XX/XX/XXXX I contacted AmeriHome because my payment was not posted on the online portal for AmeriHome. AmeriHome said my payment was not received. On XX/XX/XXXX I faxed proof of payment from my bank. On XX/XX/XXXX my payment was still not posted. AmeriHome stated that proof of payment was received on XX/XX/XXXX and would take 10-14 business days to reflect online ; however, on XX/XX/XXXX my payment was still not posted and AmeriHome now states that they do not have proof of payment. I refaxed proof of payment and contacted AmeriHome with my loan officer. AmeriHome stated they are working on locating payment and will update me daily. On XX/XX/XXXX I have not received a phone call ; no response ; no update ; payment still not posted. I have called and called ; I have completed a live chat ; I have sent messages via the online message system. I have been hung up on by numerous representatives. I have been told that " it is not that big of a deal '' by representatives. I have been on hold for over an hour. I do not know what else to do to get my payment posted and not reflect my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 company 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: Debt collection

I scheduled a vacation for XXXX last year on XX/XX/2022. I financed through Uplift for {$1600.00} with XXXX XXXX. XXXX XXXX cancelled the returning flight. Because of their error they offered a refund or a credit by phone. I asked for a full refund. They said my refund would process in XXXX business days. They continue to charge my account, and now Uplift is threatening to report to my credit for non-payment. I have called XXXX XXXX, and I can not reach a live person. I contacted Uplift and they can not help. I just want my refund. I never want to use XXXX XXXX, again.
Product: Credit card or prepaid card

ON XX/XX/2020 I used my Chase card for a week stay at XXXX XXXX in XXXX Fl. On the first night of my stay there was either bed bugs or roaches in the bed. I could not notify management because the lobby closes at XXXX XXXX. So the next morning XX/XX/2020 when they opened up I informed them of the problem, told them I am XXXX XXXX XXXX and wanted a refund. The front desk checked me out and informed me that the manager was the only one to issue refunds. I was informed that he would be in later that day and he will call me when he gets in. As I left the hotel I called my credit card company to dispute the charges and explained the reason why. The credit card company told me to wait until the charges are posted to the account to dispute the charge. On XX/XX/2020 the charges was posted and I disputed the charges by phone. The charges was removed and stayed that way until XX/XX/2020 when I notice on my bill that the credit card company rebill the charges. I called Chase card services to find out why these charges reappeared. they then explained I need to send my my dispute in writing which I did as per the attachments. I never heard anything again from Chase as far as the dispute and I have close the account.
Product: Mortgage

In XX/XX/2020 I refinanced my mortgage to Security National Mortgage Company ( SNMC ). I initiated bill pay through my personal checking account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX to ensure that payment be made by the due date every month. The first two payments initiated in XXXX and XXXX were sent, however, I had mistakenly entered the wrong PO Box for SNMC, although the recipient was correct and all other information except for the PO Box XXXX The correct PO Box is XXXX and the PO Box entered in error was XXXX. 
Check numbers sent for these payments are XXXX and XXXX ( images also attached ) were sent to the incorrect address that I had entered in error. The recipient of the check was XXXX XXXX XXXX payment - Check number XXXX was processed XX/XX/2020 and cashed by XXXX XXXX on XX/XX/2020. 
XXXX Payment - Check number XXXX was processed on XX/XX/2020 and cashed by XXXX XXXX on XX/XX/2020. 
I identified that my payment for XXXX had not been received on XX/XX/XXXX, at which time was too late to cancel the next payment processed XX/XX/XXXX. After identification of the incorrect PO Box , I canceled the auto pay. In XXXX I paid additional funds to ensure that my mortgage stay current/paid. 
I contacted XXXX to confirm location of the checks and they provided me the check images. Since then, I have initiated contact with XXXX XXXX to retrieve the funds but have been unsuccessful. I since learned from XXXX  that an affidavit of forged endorsement would be needed to have the funds returned to the SNMC, however, SNMC is required to sign the documentation as they were the recipient of the funds that were not received and cashed incorrectly. 
I have been in contact with SNMC since XX/XX/2020 to request SNMC complete the affidavit. I have contacted SNMC on a weekly basis at minimum ( 28 times ) and have received no assistance. I have attached a document with a timeline of attempts for your reference. On XX/XX/XXXX, I was finally able to make an additional payment to bring my loan current on condition that the late fees incurred in XXXX and XXXX would be waived by SNMC. I made payment at that time to make my mortgage current and was informed the fees would be waived. Only one fee was waived and the other fee of {$79.00} still reflects on my monthly statement. 
On XX/XX/2020 I was informed by SNMC that the affidavit would be completed and sent to me on XX/XX/2020. I contacted to confirm status of the affidavit on XX/XX/2020 and was informed that work order had been closed, but it was not apparent that the affidavit had been signed and completed. She transferred me to another department to receive additional details and was only able to leave a voicemail. I still have not received a call back. I have {$3700.00} that was intended for my mortgage with an unknown company. In addition, I have experienced consumer harm as I have had to ensure my mortgage payment remain current by using additional resources. This is an unacceptable level of service during 'normal ' times from SNMC. During these unprecedented times with COVID 19, the uncertainty of the economy and employment concerns I need to have these funds applied appropriately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I tried to un-freeze my Experian credit report so that I can make a large purchase. I logged into my Experian account, there is NO WHERE on the Experian home page, or any other page, to un-freeze my credit. I searched on the internet and found a page to unfreeze my account but the system would not accept my PIN. I'm out of town trying to make a purchase and Experian, because of their negligence, won't allow me to complete my transaction. I tried calling them but you can not reach a person to speak with and their web pages are useless. EXPERIAN IS HORRIBLE!
Product: Debt collection

XXXX XXXX XXXX called and left a message saying they were the Action Collection Agency of XXXX and asked I returned the call. When I called them back the agent said he wanted to confirm some personal details before he told the nature of the call. I asked him to tell me what the call was about before I disclosed any personal information. He refused and kept asking me to confirm my address. I told him that if he did n't tell me what he was calling about he could write me a letter but he refused to do that because he said he might be mailing the wrong person. ( He could be calling the wrong person too. ) The badgering continued for some time and I finally told him that without understanding his request I would certainly not provide personal information so I would end the call and complain to the appropriate agency. He said the call was over and hung up. I have no idea what this is about. I am not aware of owing anyone any money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I always had a credit builder account with kikoff, I never had a loan installment. When I used to get notifications from them, I thought it was for my credit builder account. They I got an email saying my installment loan was closed! I emailed them immediately and let them know that I never opened a credit loan account for XXXX! Thats insane. They refused to help me. I cant talk to a human on the phone. I have emailed them several times stating that I never opened a credit line with them and they refuse to help me. This is fraud.
Product: Debt collection

My complaint is on Dyck-O-'Neal Inc. This company is a private debt collector who is suing me on a Time-Barred debt ( promissory note ) for XXXX ( original debt was XXXX ). XXXX XXXX XXXX XXXX aka XXXX XXXX owned property : XXXX XXXX XXXX XXXX XXXX TEXAS XXXX ON XX/XX/XXXX by Civil Suit case number XXXX 150th court room. I should not be held legally or responsible for a Time-barred debt on a promissory note from XXXX which XXXX XXXX was the original Holder payments was made to XXXX mortgage company ( XXXX recession ). I never had a legal bonding contract with Dyck-O-'Neal or agree to pay on a Time-Barred debt due to Staute of Limitations and XXXX XXXX took ownership 9 years ago of that property. The Justice System and Dyck-O-'Neal should dismiss Summary Judgment and Writ of Execution due to DATA THEFT. Dyck-O-'Neal was not the original holder of promissory note and contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX # XXXX Account XXXX : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX  # XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found out a XXXX XXXX XXXX credit card account that was a fraud account. I didn't even open a credit card at XXXX before, I tried to dispute this account, however the XXXX denied my request. Per checking the credit card information, this credit card is opened on XX/XX/XXXX, however, I didn't come to XXXX until XX/XX/XXXX. I am so disappointed on the way XXXX solve my problem, and it hurt my credit score a lot. I really want to solve this problem. 

My personal information Name : XXXX XXXX XXXX : XX/XX/XXXX Passport : XXXX SSN : XXXX I have attached the related credit card as a screenshot. also I attached my travel history from US customs and border protection. It will show that I arrived at XXXX at XXXX
Product: Mortgage

On XX/XX/XXXX I filed for Chapter XXXX Bankruptcy at which time both myself and my lawyer attempted to reaffirm my mortgage and OCWEN did not respond to the many requests we made. They then reported my mortgage as past due to the 3 credit bureaus and stopped reporting any of my payments. I filed a complaint with this agency ( CFPB Case Number XXXX ) OCWEN review my mortgage in answer to the complaint and though they did not reaffirm the mortgage, they did admit that the mortgage was current, they supplied a detailed account of the mortgage activity for the previous 33 months and confirmed that as of XX/XX/XXXX " the account is contractually next scheduled forXX/XX/XXXX. '' On XX/XX/XXXX I received a certified letter of foreclosure in the mail from OCWEN stating that they had not received my XXXX nor XXXX payment. I also subsequently received 3 more notices stating that my house was in danger of being foreclosed due to non-payment of my mortgage.

I have spoken with 2 individuals at OCWEN who are insisting that my mortgage is not current, one said that it was 2 months behind and the second one said that it was one month behind. My last conversation on XX/XX/XXXX I informed the individual that my mortgage was current and requested that they send me confirmation of that in writing within 5 business days and I have not received a reply. 

My mortgage is current. I have the reconciliation of my mortgage account OCWEN provided showing the mortgage current through XXXX, I have a print out from my bank account showing all the payments that were made electronically and I have all the monthly statements from OCWEN showing the payments being received. 

I do n't know what happened in XXXX, but it looks like someone went in and misapplied payments on my account back to XXXX and that created a problem on my account and they are unwilling to admit that they are at fault, or they have deliberately done something to my account to try to fraudulently foreclose on my house for non-payment. 

My mortgage Is not behind, it is current, the next payment is due XX/XX/XXXX and would like OCWEN to immediately stop this nefarious activity against me.
Product: Credit reporting or other personal consumer reports

I am writing to address a critical matter regarding the discharge of a debt associated with an account held with BANK OF AMERICA. On XX/XX/year>, the Internal Revenue Service issued a processed and accepted 1099-C, signifying the proper discharge of said debt. Documentation confirming this discharge has been received by BANK OF AMERICA via USPS, following immediate processing and approval of the 1099-C. 

Given the legal acknowledgment of this debt discharge, it is imperative that BANK OF AMERICA takes immediate action to update the account status on all relevant credit reporting agencies. The current reflection of " charged off '' status is not only inaccurate but also damaging to my creditworthiness. 

I hereby demand that BANK OF AMERICA promptly rectify this situation by updating the account status to " PAID AS AGREED '' within a maximum period of 14 days from the date of this letter. Failure to comply with this demand will leave me with no choice but to escalate this matter further, potentially involving regulatory authorities. 

Please be advised that any further delay or negligence in addressing this issue will not be tolerated. I expect swift action and resolution from BANK OF AMERICA to ensure compliance with legal obligations and the preservation of my financial standing.
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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a 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 or other personal consumer reports

I regret to inform you that I can not accept your decision to dismiss my identity theft claim by attributing it to an error or a misrepresentation of material fact. It raises serious concerns as to how and why you possess the authority to determine what constitutes a material fact. It's worth noting that your role does not grant you the powers of a judge or jury, nor any inherent right to make such determinations. According to the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report has been filed with a law enforcement agency ( which the FTC itself is ), the protocol is to adhere to the law and investigate accordingly. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX  XXXX. Please remove these accounts ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

A American Express card was opened XX/XX/XXXX of XXXX in my name. I automatically called and canceled the account and call XXXX to be able to remove it off of my hard inquiries. They said I needed to fill out this report
Product: Vehicle loan or lease

I am writing this email to inform you of a distressing situation I find myself in, and to seek immediate assistance in resolving it.

I had a friend who, at one point, seemed to genuinely care for me and was willing to help me when I was going through a difficult period in my life. This friend, along with her older boyfriend who was financially well-off, offered to assist me in getting a car. They proposed a plan where I would have XXXX  cars in my name, with the understanding that I would not be responsible for any payments or insurance for one year. I agreed to this
arrangement, believing it to be a much-needed opportunity to improve my circumstances.

However, after some time, my connection with this friend deteriorated, and she abruptly cut off all communication with me. As a result, I am now in a precarious situation where both cars are in their possession, but I am being held accountable for tolls and facing the consequences of their actions.
Furthermore, one of the cars was involved in an accident, leading to additional complications for me.

I have reached out to report the cars as stolen, but I am struggling with the repercussions of this situation, including a suspended license and the impending repossession of the vehicles. I am now in debt and urgently require assistance to rectify this unfortunate turn of events.

I realize now that I have been taken advantage of, and I am in desperate need of guidance and support to navigate through this challenging time. Any help or advice you can offer would be greatly appreciated as I work towards finding a resolution to this distressing situation.

Thank you for your attention and understanding. 

Sincerely, XXXX XXXX XXXX DOB : XX/XX/2000 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these accounts and remove 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 XXXXXXXX
Product: Checking or savings account

XXXX Called my bank before XXXX to tell them I was closing on place I sold and if there would be any problems with the amount or wire coming through, I was reassured there shouldn't be any problems, within a few hours the wire is available in my Sofi bank account. 
From XXXX I was purchashing a new mobile home ( used ) from an individual and ran into the problem of only withdrawing a max limit a day so I withdrew {$1000.00} cash at atm 's and debit card purchase of {$6000.00} daily for money orders. 
On XX/XX/XXXX I learned my account was Frozen because of wire transfer was only reason I've been told, I was asked who XXXX XXXX was and because I was so close ( i live in a small town ) ran by the title and abstract company that did my closing and confirmed XXXX XXXX is the closing attorney. I also gave SoFi his phone number to verify. My account is still being reviewed by the fraud dept and customer XXXX  reps refuse to transfer me to anyone beyond them. My paycheck is also direct deposited into this account which i get paid today and they said all incoming deposits will not be effected, I just can't have access to my paycheck or the money from the sell of my mobile home! Please help! I opened a new checking account on sat. XX/XX/XXXX so when this freeze has thawed out! I'm transferring it immediately. In the meantime I have no where to live until I finish paying individual for my new place, no money for hotel and not even gas money to go back and forth to work!