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

In the beginning of XXXX a company by the name of XXXX XXXX  called my mother. My mother told me and I called them back. They wouldnt tell my mom who exactly they were so I called them back to figure out who they were. Just in case they were a doctor or a job. Who knowns. He tell me about some debt that he thinks I owe. I realized what he was trying to do. So I blocked the number. Yet he keeps calling. If he calls again it will be a XXXX dollar fine. The credit companies allowed this people to report false information on my credit report. According to the Fair debt collection / 15 USC 1692 ( D ) consumer law. This is illegal and he has called me over 15 times this is illegal and needs to be removed from my report. Their number is XXXX ( XXXX ) XXXX. I have attached the screenshot evidence below.
Product: Credit reporting or other personal consumer reports

This letter is my final communication regarding your claim that the information below has been verified and that the information being reported by the furnishers is accurate. Both accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are reporting inaccurate information and you were notified in a letter dated XX/XX/year>. I am maintaining a careful record of my communications with you for the purpose of filing a complaint seeking relief and monetary damages under FCRA Sections 616 and 617. Please see the attached dispute letter which is dated, and time stamped and remove the inaccurate information from my credit report within 7 days.
Product: Mortgage

We have been approved for a Loan and three weeks later still do not have it ( see below ). We did supply all of the requested documents. 
Please help! 
XXXX and XXXX XXXX XXXX XXXX, XXXX XXXX XXXX to me Hi XXXX and XXXX Your loan is approved! We have the following conditions in order to clear the file for closing. Do you think you might be able to provide by close of business tomorrow? 
Letter from XXXX stating your intent to retire XXXX/XXXX/16 Can you access the gmbenefits site and get an update printout on pension benefits? Underwriter is looking for something more recent than XXXX Copy of account statement reflecting earnest money has cleared your account/copy of the cancelled earnest money check would be sufficient Letter from estate attorney explaining the deposit of XXXX from the sale of property Name and number for insurance agent Signed attached form XXXX XXXX XXXX XXXX Mortgage Loan Officer HomeServices XXXX LLC XXXX XXXX XXXX XXXX XXXX | XXXX, XXXX XXXX Office ( XXXX ) XXXX XXXX XXXX Cell ( XXXX ) XXXX | Fax ( XXXX ) XXXX XXXXXXXXXXXX XXXX XXXX If this email was sent to you as an unsecured message, it is not intended for confidential or sensitive information. If you can not respond to this e-mail securely, please do not include your social security number, account number, or any other personal or financial information in the content of the email. This may be a promotional email. To discontinue receiving promotional emails from HomeServices XXXX LLC, click here : XXXXXXXXXXXX HomeServices Lending, LLC does not offer loans in all states. 
Licensed by the Department XXXX under the XXXX Mortgage Lending Act. XXXX XXXX Mortgage License Number : XXXX. Regulated by the XXXX XXXX XXXX XXXX XXXX. Licensed by the XXXX XXXX Bank XXXX to engage in business XXXX, License # XXXX, Expiration XXXX/XXXX/16. XXXX XXXX Mortgage Licensee XXXX. XXXX XXXX Mortgage Company, License Number : XXXX. XXXX Mortgage Loan Act Certificate of Registration : XXXX XXXX ; XXXX Mortgage Broker Act Certificate of Registration : XXXX XXXX. XXXX Mortgage Lending License XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX 2016 HomeServices Lending, LLC. All XXXX XXXX. XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was reaffirmed on XX/XX/2022. The bankruptcy was discharged on XX/XX/2022 and DID NOT include the mortgage as we had already reaffirmed it. I have spoken with XXXX numerous times and they refuse to correctly update the information on our credit reports showing the accurate information. I have filed numerous disputes with all three credit bureaus and uploaded a copy of the reaffirmation paperwork that is signed by XXXX 's attorney, XXXX XXXX. They continue to keep the status the same even though they're reporting inaccurate and false information. They currently have the account listed as " petition for bankruptcy '' which is not accurate at all and is effecting our credit negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a late payment on my Equifax from a company called XXXX dated XX/XX/2016. My loan was sold from XXXX to XXXX. I switched all my payments over and was never late or delinquent on any payments. XXXX reported to my credit that I was. I have a letter dated XX/XX/2016 from them saying it was reported in error and should have been removed in XX/XX/2016. It is still there and I am now unable to get preapproved for a new loan. We have sold the property associated with this original loan and the it is 100 % paid off, and shown accurately on my credit from XXXX. Ive been in communications with XXXX and Equifax and nothing has been resolved. Each company is blaming each other. I have been battling this for three years. I dont how to resolve this problem at this point. 
Thank you.
Product: Credit card or prepaid card

I keep being overcharged and American Express has been unable to fix it. 

On XX/XX/2023, I booked a fully refundable hotel through American Express Travel ( AMEX Travel ) using my American Express credit card, cost was {$230.00}.

I used points to cover that purchased. As expected, my credit card was debited {$230.00} from AMEX Travel and received a credit of {$230.00} related to the points redemption, and my points had the expected amount deducted. 

On XX/XX/XXXX, I had to cancel this reservation and on the same day I received a credit of {$230.00} on my credit card. 

On the next day ( XX/XX/XXXX ) I was recharged {$230.00}. It looks like it was due to the points being returned to my account, so it makes sense AMEX would charge me and return the points. However the points never returned. 

I contacted customer service on XX/XX/XXXX, the representative confirmed it was due to points but don't know why this was done automatically as this is something they need to initiate. She returned my points. 
On the next day ( XX/XX/XXXX ), I was again charged another {$230.00} on my credit card. 

I contacted customer service again on XXXX XXXX, and spoke with a supervisor. Initially the supervisor told me everything is correct, but I explained again these extra charges. 
Then, the supervisor asked me to deal with American Express Travel.

Please note that none of these unexpected charges are able to be disputed. Because they all come from AMEX, AMEX does not let me to open a dispute on them.

Second, AMEX Travel shows as fully cancelled and refunded.

Unfortunately, AMEX has shown a few times a problematic billing system. I recently had an offer for paying insurance with the card that I had to follow up several times ( {$30.00} credit for paying insurance with the card ) - it did not credit automatically, and required many follow ups. It was eventually fixed, but it shows a very unreliable billing system. This is for a card where the business model is to charge a high annual fee ( {$690.00} ) and provide many different small credits. 
There are many complaints about delays or lack of credits ( e.g. entertainment credit for XXXX, XXXX, etc. ). 

This card is giving me more stress than joy since I need to keep a very close look on all the promised credits, and follow up several times to make sure I receive them. This became work instead of joy. 

AMEX used to be better but now requires a lot of work, or I face financial loss because credits/refunds do not process as expected.
Product: Debt collection

Midland Credit Management INC with an open balance of {$1400.00} and {$860.00} since XXXX XXXX XXXX. Harassment of calls throughout day. Letters monthly. Even had XXXX XXXX XXXX  letters mailed saying they will sue me if not respond.
Product: Credit card or prepaid card

I applied for the American Express Delta Gold Card. The offer they were and still is advertising is, spend one thousand dollars and receive XXXX XXXX bonus sky miles. I have video and screen shots of this offer, both date and time stamped. 

I applied for the card, and upon receiving it and using it, my mother began to tell me she was having issues getting her bonus miles, as she applied under the same offer. 

I called and spoke to a representative, who informed me that the offer advertised was not the offer associated with my card. A couple of days later I called and canceled the card, due to American Express not wanting to uphold their end of the deal in regards to the advertisement. 

I am refusing to make a payment until American Express is fair to me.
Product: Mortgage

I completed an application for an FHA loan with Citizen Mortgage on XX/XX/XXXX, for a home purchase. The address of the property is XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX and was listed for {$200000.00}. I also asked the lender to consider my application for XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX for {$190000.00} on XX/XX/XXXX, to which he agreed. 

I asked the lender several times for confirmation that all required documentation was received and a loan estimate. I could not get a clear response to these questions or whether my application has been denied. I have yet to be informed about the status of my application. My credit report was pulled by this lender, and it appears that they do not intend to give me a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have spoke with numerous TransUnion agents as well as XXXX XXXX agents from XXXX XXXX XXXX XXXXXXXX to get these account review inquiries removed from my TransUnion credit report, and have had no success whatsoever getting cooperation from either TransUnion or XXXX Card from XXXX XXXX XXXX XXXX. I am so frustrated and so tired of having to deal with these agents that are unwilling to help me and being one hundred percent unwilling to help me regarding this issue. They are fraudulent and I am a victim of identity theft. There are also two sets of inquiries with the same dates on each of them. These are listed below : XXXX XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX XXXX XXXXXXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Phone ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request 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 XXXX XXXX XXXX XXXX - XXXX  XXXX Balance - XXXX  XXXX XXXX  XXXX : - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX CA 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 : {$0.00} ; XXXX  XXXX Bankruptcy : Bankruptcy Date Filed XXXX XXXX, XXXX Reference Number XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I made a online payment of {$270.00}. When I logged onto my account in XXXX to make my XXXX payment I could see that the XXXX payment was not recorded. This was a surprise to me as I had never received a phone call, email or letter notifying me of any problem with the account. I then made another payment for both XXXX & XXXX for the amount of {$550.00}. This time I noted the confirmation number of # XXXX. Recently, I received a notice from XXXX that 5/3rd had reported me late to the credit bureau XXXX Shocked ( especially at the XXXX point drop in my credit report! ) I logged onto my XXXX account and found that the XXXX payment that I had made was this time recorded but returned. Completely confused I called 5/3rd and asked them what was happening. I had now attempted to make TWO payments, one not even showing up and the second returned and I had never been notified of either of them missing. XXXX said that they followed normal reporting rules. 

My complaint is their reporting is incorrect. I did in fact make the XXXX & XXXX payment on time & I believe it was an issue on their server that it did not go through. Furthermore, I never had a chance to rectify the missing payment as I was never notified personally through phone, email or mail. 

I brought the account current today on XX/XX/XXXX when I called and talked to a representative. I made a payment of {$870.00}. I asked them to remove the bad credit report and they said no. My ask is they do remove this from my credit report as it's not correct and I was never notified of an issue. Also, I have brought the account current including all their fees so I feel that would be more than fair. I'm attempting to refinance a home I remodeled and their reporting has made it impossible to do so and I may lose it all together so it's a dire situation. Thank you for your time.
Product: Payday loan, title loan, personal loan, or advance loan

I took an original loan to consolidate bills out in XXXX for XXXX. I was originally told that it would be for 5 years and in XXXX I was notified by phone by XXXX XXXX and asked to refinance the loan and encouraged to take out more money and even get a credit card through them ... .I told them no several times that I just wanted to pay it off ... they kept at me and said while my payment would go up to pay off the extra amount the time frame that the loan existed would not be extended. 
I was called several times by another individual regarding a credit card which I turned down repeatedly ... .I did " refinance '' and took them up with the understanding of not increasing the time of my loan and am now finding out that this refining and additional XXXX extended the loan for 96 months ... and inaddition to that ... .I am paying out XXXX ... .this is not anything I was told or expected or understood when I spoke to then in XXXX... XXXX was expecting to pay this loan off this month ... .they are now sending me stuff that I do not recall signing with 96 months ... .the person I spoke with is no longer with the company... .I never would have agreed to 96 months or longer time frame and am devasted ... .they sent me stuff as an addendum and my original loan was signed according to the on XX/XX/XXXX ... .I called and spoke with them ... XXXX XXXX XXXX ... .when I thought the loan should be completed per what the refinancing negotiations were when I was contacted by BHG again in XX/XX/XXXX... XXXX years after I was into paying on my loan and able pay it off or higher amounts per the full contract! 
What they sent over to me was not full contracts ... XXXXthey also sent over a payment listing today that I never received until today because I would have NEVER agreed to this per the terms that were explained!
Product: Mortgage

We were told that by closing in XXXX, our first payment would be due XX/XX/XXXX. When we closed, the date for the first payment was XX/XX/XXXX on the closing documents. We were told by the closing attorney and the CalCon mortgage representative to cross out the date and put XX/XX/XXXX, then initial by the new date. Now, we are being told to make the payment by XX/XX/XXXX ( today ), but it would go to the XX/XX/XXXX payment. We don't wan to pay on what is being called an illegal contract. Please help!
Product: Credit reporting

I checked my credit report and I found out that I have an account on collection. On XXXX/XXXX/2015 I called XXXX at XXXX. They could not give me answer for this case. I did not have any knowledge of any account for {$200.00}. I believe is a fraud. Can you please remove this from my credit and investigate this case. Thank you.
Product: Mortgage

On XX/XX/2024 I made a payment at XXXX XXXX XXXXXXXX for my mortage payment with PennyMac Mortgage. This payment was returned unpaid from my financial institution because it was processed that same day and my direct deposit posted at midnight that day. When I was notified of this from my financial institution for Non Sufficient funds fee, I went into the PennyMac website on XXXX process the payment again, not knowing that PennyMac will be presenting the original payment a second time. 

I contacted Customer Service to have this second payment cancelled on Saturday XX/XX/2024 within minutes of submitting this payment. I was told it could not be cancelled nor modified to a future date. I explained other financial institutions allow a change/cancellation as long as done before a specific cut off time, especially if this duplicate payment is made on non-banking day, in this case, a Saturday. PennyMac 's inability to modify this payment will add another fee to my primary XXXX institution when the duplicate payment is presented. Even though they offered to review my account for a reimbursement if and when the fee is applied, this issue should be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I call Equifax and sent certified mail to remove inquiries unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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: Mortgage

XXXX XXXX XXXX in XXXX Colorado subbed out my mortgage processing to Dovenmuehle Mortgage. On XXXX XXXX, 2015 I sold my house and XXXX requested a mortgage payoff. Dovenmuehle provided a mortgage payoff of three month MIP when it should have been two months. They required that we pay {$1200.00} when I only owed {$840.00} for an overpayment of {$420.00}. We discovered this error on the day of closing, but they required we pay the incorrect amount and told me that they would refund the difference when XXXX XXXX wired them the incorrect amount on XXXX XXXX, 2015. I spoke with Dovenmuehle by phone on XXXX XXXX, 2015 asking when I would get my check and they told me that even though they had not sent the mortgage balance to HUD, they would not refund my {$420.00} overpayment and stated that I would have to contact HUD. The second complaint is that Dovenmuehle withdrew from my escrow account on XXXX XXXX, 2015 {$1600.00} for Property taxes and as of XXXX XXXX, 2015 had not paid it to the XXXX County Treasurer. They refuse to refund the {$1600.00} even though they have not sent it to the county and XXXX had to withhold this amount as part of the closing process. Dovenmuehle owes {$2100.00} that they refuse pay me.
Product: Credit reporting or other personal consumer reports

I formally requested that Transunion XXXX and XXXX remove the Bankruptcy from my credit file citing that they do have Permissible Purpose according to FCRA SECTION 604 ( a ) ( 3 ).
Product: Student loan

I am writing to lodge a formal complaint against Sallie Mae regarding a student loan that has been erroneously charged to my account. While I do have several student loans with Sallie Mae for my studies at XXXX XXXX XXXX XXXX XXXX XXXX ), there appears to be an additional loan from the XXXX XXXX XXXX XXXX ( XXXX ) that does not belong to me. I have never attended XXXX. 

The loan in question is identified as # XXXX and has been charging me since XX/XX/year>. Initially, I assumed it was one of my XXXX loans, but upon further investigation, I discovered that it was erroneously linked to XXXX. 

Over the past three months, I have made numerous attempts to contact Sallie Mae to resolve this matter but have been met with no response. As a result, I have been incorrectly billed for over two years, causing undue financial stress and confusion.
Product: Debt collection

I AM A VICTIM OF IDENTITY THEFT. AMEX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act 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 agency can not furnish a account without my written instructions