23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I run a small business and I spend roughly $ XXXX $ XXXX per month with American Express . 

Our credit limit is nowhere near where it needs to be to operate efficiently. Every month I have vendors break up our bills and run portions, which are immediately paid off by me, and then have them run the remainders, until our full invoice is paid off. This happens several times every single month. Our vendors are irritated with us as a result. 

Today I spent XXXX hours on the phone with American Express ( again ), trying to increase our credit limit to be somewhere where we can actually operate effectively, all the while being passed along to various " customer service reps '' who tell me that someone else in another department can help me. Finally, I speak to someone whose able to submit an underwriting request to increase our credit limit, and she tells me I need to connect my bank account as part of the credit review process. I explain that we have multiple bank accounts since we use different accounts for different functions. She said this wasn't a problem and to connect them all for the review process. However, I was able to only connect one via American Express ' online portal. I tried to call them back and explain that their online platform couldn't connect with our other bank accounts but while I was on hold my application was declined. 

So now I'm on the phone with them trying to get our application for a limit increase re-opened so I can give them the bank account information that THEY had requested in the first place and they're telling me there's nothing they can do since the application was already rejected and unfortunately that's their " process ''. They did all manage to tell me that they " completely understood '' while suggesting that I should call them back in 3 business days to try again - because that's what everyone has lots of, dozens of spare hours a week to spend with these idiots. 

I have never been late paying a bill. I have a total balance of over $ XXXX in my bank accounts. Annually, I charge about XXXX XXXX XXXXXXXX dollars through American Express, not that it seems like they're particularly interested in that. 

Choosing to go with American Express for our needs was a mistake. They are not business-friendly whatsoever. I hope anyone considering them will reconsider after reading this.
Product: Mortgage

XXXX. I have tried with the company Pennymac to resolve this Issue - no response XXXX. I have tried with XXXX- they said company would response, but no response XXXX. I wrote to Pennymac CEO- No response Brief Description of the Case I am a Pennymac borrower with a fixed interest rate since XXXX, XXXX. I pay my mortgages on or before the due date all the time and never late in my payment. This year the company, Pennymac, had my Escrow Analysis in XXXX and found that I have Escrow shortage of {$2400.00} as shown in attachment XXXX. They gave me the option to pay all at a time or divide into monthly installments. I have paid all at once as shown in attachments 2 and 3. Therefor, my payment should remail as my XX/XX/XXXX XXXX. As attached, file name XX/XX/XXXX XXXX. 
However, the company sent me my XXXX invoice much higher than my XXXX statement as attached, file name XX/XX/XXXX XXXX. I called the Pennymac on XX/XX/XXXX at around XXXX XXXX EST. Spoke to XXXX after a long wait. She does not have any clue what I was trying to explain to her. Then I asked for a supervisor named XXXX. XXXX repeats at least 20 times that my insurance and tax has increased so it is higher than my normal payment. I tried my best to explain that I have already paid the Escrow shortage of {$2400.00} so my payment should remain the same. Then he said Escrow analysis was not correct. I said OK, send me a correct Escrow analysis statement. He told me that he would send it right at that moment. However, I waited all day for the document, but XXXX did not send anything as of today. 
XXXX also told me that, even if I pay all the shortfall, I still must pay higher installment. For the reason he could not answer, I believe that is wrong and improper business practice. 
The company is providing conflicting information about Escrow. I understand Escrow changes, and they sent me their Escrow analysis report. I have fully paid for the short fall. However, now they are saying that they made a mistake and will send me a new Escrow report. This is where MISTRUST develops. Pennymac is a big company, and it is difficult to believe that their Escrow analysis is inaccurate.

They could not explain what they had done with the {$2400.00} Escrow only I paid them last month. I have serious doubt that they are mishandling my Escrow fund and could not manage it. I can not trust them to manage my Escrow.

In any case, I wanted to keep my original payment amount by paying the additional shortfall. But Pennymac said I still must pay a higher amount. I asked what is the reason? I am paying them in advance and the principal and interest are fixed. So, why I must pay extra. There was no answer from Pennymac.

I have reasons to believe that my Escrow funs are not properly handled and I can no longer trust them to manage my Escrow.

I will pay their principal and interest and I will manage my escrow and pay taxes and insurance. 

Thank you XXXX XXXX
Product: Mortgage

I worked with my realtor to obtain a foreclosure, and the bank selling the property required a renovation mortgage. I contacted XXXX XXXX in XXXX to obtain one and the contract was signed in XXXX. The mortgage company explained that renovations are identified and the cost of repairs is determined and included in the amount of the loan. I obtained a contractor, which is a requirement, who provided an estimate and then worked with the loan officer to create a bid to identify the dollar figure of the repairs. At first that was sufficient, then they said I needed a HUD consultant, even though HUD said I didn't because of the amount of the bid was {$23000.00} and they don't require one if it's not over {$35000.00}. The mortgage company insisted, so I agreed but as time went on, the HUD consultant that they hired did not respond to any communication so after I expressed my concern a number of times, the consultant was removed. When I asked how I could get to the bid money to pay the contractor, they said " Don't worry you won't have a problem getting to your money. '' Through my own investigation, I found I was entitled to XXXX XXXX of the materials to begin the project and when I brought it up to the company they said " Oh yeah, that's right '' in an unsure fashion. We finally closed on XX/XX/2022, and the town where the house resides requires me to apply for a certificate of occupancy within 30 days of closing or I would be fined. I began to pay for some of the repairs assuming I would be reimbursed as soon as a particular repair was complete. I approached the mortgage company, identified as and signed by the lender on the XXXX XXXX Renovation Loan Agreement, to submit for a partial payout for services completed, and they said I could not have access to those funds until they successfully sold the loan to an investor. They never indicated that during any discussion or correspondence and they now put me in a tough financial position. The  XXXX XXXX agreement says that they are the lender of record right now. I tried to discuss this with them, then it turned out they provided 2 incorrect documents at closing that prevented them from selling the loan. They even sent me one of the documents incorrect for a second time. This was all delaying my access to the money I'm expected to start paying back on XX/XX/2022. I told them if they didn't get this straightened out quickly I was going to file complaints with all of the associated agencies ( HUDXXXX XXXX XXXX and CFPB ). It's been over a week and they will not respond to any attempt I make to communicate with them. In the meantime I am using personal funds to make my deadline with the township.
Product: Credit reporting, credit repair services, or other personal consumer reports

a hard inquiry from XXXX XXXX XXXX XXXX XXXX FINANCE ) XX/XX/2021 I was told by one of the representative to file a identity theft report and contact the credit bureau to report the incident because they can't remove the inquiry from their side. I called the bureau and I was told the same which is to contact the Agency that access my report
Product: Checking or savings account

XX/XX/XXXXI was checking my account and discovered that my account had been compromised.I reported to USAA Bank and investigation. 

They concluded that it was not fraudulent transactions. The card being used was a XXXX card in my Daughter 's name. Her name is XXXX XXXX and that is the name of the card. 

They also stated that you open an account in her name in USAA. That XXXX account was like 5 years ago once she became an adult she was responsible for that account. My daughter is XXXX years born XX/XX/XXXX. That was told to me by USAA bank. 

During that time she did not have access to my checking account or I gave her my checking account information. I did not open up a XXXX card for her or had this card connected to my checking account at any given time. 

USAA did not give me any factual documents or proof that I gave or consented to these transactions. They said that I had to dispute them and this was not fraudulent claim. I disputed them and they reach the same conclusion. 

I have not spoken to my daughter since XX/XX/2017 we do not have a relationship due to her behavior problems and issues with her life. 

I did file a report with the XXXX County Sheriff department in XXXX, NC and NO ONE! has contacted me regarding this matter. I was told by USAA total transactions was a 109. Four transactions were over {$10000.00}. I believe total taken was between 10 and 20 thousand over a 4 month period. They took out {$9000.00} in an instance and USAA did not ALERT ME! 

on my bank statements it just says XXXX E-PAYMENT and the amount and shows my daughter name. Does not show what store or items purchased.I honestly believe that my Daughter is Responsible for this with her history. 

USAA has not told me is it her that is using the card? Did someone steal the card and using her information may be one of her friends? Since the bank statement does not say City and Location and did not provide me with purchases that was made and what vendors or stores so I must explore all possibilities. 

USAA response in my denial letters is that they have documents or proof that I authorized these transactions. They have not showed to me or presented any factual documents. I still repeat and stated I DID NOT AUTHORIZE ANYONE TO STEAL OR MAKE TRANSACTIONS FROM ACCOUNT USING A XXXX CARD. I DID NOT GIVE MY CHECKING ACCOUNT INFORMATION TO MY DAUGHTER TO MAKE PURCHASES FROM IT! 

My daughter is not on any signature card with my bank account is not an authorized user on any bank account I have ever had and ever will. The only way my daughter received my information she STOLE or FORGE my name!
Product: Mortgage

Carrington Mortgage has been informed that a solid contract was in place, however they have continued pressing for foreclosure and will not stop the foreclosure. We have been more than forthcoming with the fact that this is ready to close but they tell us that we have to talk to the foreclosure attorney, the foreclosure atty says that only Carrington can issue the order to stop the foreclosure. We spoke to XXXX XXXX and she spoke with someone in home retention and they are passing it back off on the XXXX and XXXX the foreclosure attorney. Even with Autnorization
Product: Debt collection

Good morning my name is XXXX XXXX, I'm writing to report three different collections agencies. I ask them to please validate the debt on XX/XX/2018 and I haven't received anything from them. 
And they probably have reported to the credit report agencies. 

1- CMRE Financial Services , XXXX XXXX XXXX, XXXX XXXX XXXX , CA XXXX 2- XXXX XXXX   XXXX XXXX XXXX XXXX XXXX , OH XXXX 3- XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX
Product: Checking or savings account

I attempted to open a joint account with my husband at Capital One but was informed that I could not proceed due to a previous account associated with my name. When I inquired further, the representative asked me to verify my current name, as I was previously married, along with my social security number. After providing this information, I was told they could not share any details about the account, including its location, the overdraft amount, or the documentation originally used to open it. Despite my request, they refused to provide additional information regarding the account. I am concerned that my information was used to update their system, potentially linking my current name to this account without my consent.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with an accurate consumer. 
C - Conduct reasonable investigations of consumer disputes According to XXXX  to make a lawful report, you must follow the Metro 2 compliance standards. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX - Account XXXX XXXX XXXX - Account NumberXXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or do you need to remove these unverified late payment XXXX - Account XXXX My parent has the same name as me. 

XXXX XXXXXXXX XXXX  - Account XXXX I need to see all bank transactions that belong to this company that would prove my payments were not accepted on time or do you need to remove these unverified late payment XXXX XXXXXXXX XXXX XXXX Account XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro XXXX Compliant Reporting Format Standard XXXX XXXX ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the XXXX characters of the XXXX statement and all of its trailing fragments, and any other necessary aspect of factual reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time after time I have submitted a dispute about a fraudulent account on my credit report from Transunion about XXXX XXXX. I have disputed and had the account removed from both XXXX and XXXX but Transunion fails to remove the account no matter how much I try. The account was unable to be verified through XXXX and XXXX which is why it has been removed. I need this account removed from Transunion ASAP as it is hindering me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started to dispute my accounts with Experian, XXXX and XXXX since XX/XX/2022. I reached out to The Department of Education, and they informed me that they had not reported any late payments on my credit file and that I needed to dispute those late payments with the data furnishers. I sent the above XXXX credit bureaus the first dispute XX/XX/2022 XX/XX/2022. They have never investigated this dispute and they are in violation of the FCRA.
Product: Debt collection

I am still having difficulty dealing with and securing information from XXXX XXXX  located at XXXX XXXX XXXX, XXXX, MA XXXX regarding a BJs credit card charge off. I have called XXXX on several occasions to request information I am entitled to under both federal and state law with no success. This is my second complaint because the last answer received from XXXX did not address my main concern in my first complaint : VERIFY THE DEBT AND PROVIDE AN ACCURATE BREAKDOWN OF THE AMOUNT THEY ARE SEEKING! They simply stated that hey have provided verifications they received from the debtor. I have received the following in the mail from XXXX in my plethora of attempts to understand the amount they are seeking : 1. A billing statement from XX/XX/2019 2. A billing statement from XXXX of 2019 3. A billing statement from XX/XX/2019 These three random statements do not provide a breakdown of fees, interest, and principal balance ( or any other fees ). XXXX has also NOT provided the credit card agreement, any documents that bear my signature, and other assistance I have requested. There is no way possible for me, the consumer, to breakdown the figure of {$3200.00} to determine the validity of the amount. 

I am requesting, once again, a complete and accurate breakdown of this amount. It is clearly apparent that XXXX and their associates do not have this information in their possession. I am the individual consumer and I am at a huge disadvantage to solve this problem. 

I will be contacting U.S. Senator XXXX 's office in the morning to seek her assistance on this matter. XXXX 's last response was farce. This glib response was not only tolerated by the CPFB, but the compliant was closed out? Unacceptable and shameful.
Product: Debt collection

I have been attempting to get an account deleted from my credit history. The collection agency, Enhanced Recovery Company, stated that they needed permission from the original creditor to delete it on XX/XX/XXXX. I talked to the creditor, XXXX and they stated that they would have their solutions department resolve this matter. On XX/XX/XXXX XXXX stated that they no longer have a solutions department. I feel misinformed. I have had several items over the last two years deleted from my credit history without any problem. If you could please do all you can to get this account deleted from my history it would be a major help seeing that I am building my credit and this account is pulling me down. On XX/XX/XXXX the account was paid in full for XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureaus XX/XX/XXXX  and informed them I am a victim of ID Theft and there are addresses and accounts listed on my credit file that I've never lived at. 
The following addresses are listed inaccurately on my credit file XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint last XX/XX/XXXX to remove these items, which were UNKNOWN to me. I came across with this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these items or information not later than 4 business days after the XX/XX/XXXX letter. Ive already included these in my previous Complaint # 's XXXX ; XXXX ; XXXX and I am including these items again. XXXX XXXX XXXX XXXX  XXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5300.00} ; XXXX XXXX XXXXXXXX XXXX XXXX Creditor : XXXX XXXX ) XXXX Balance : {$300.00} ; XXXX XXXX Date of Inquiry : XX/XX/XXXX ; XXXX  Date of Inquiry : XX/XX/XXXX ; XXXX  Date of Inquiry : XX/XX/XXXX ; XXXX Date of Inquiry : XX/XX/XXXX
Product: Debt collection

This company is trying to collect a debt from me that has false information on and I never signed a contract with this company.
Product: Checking or savings account

SoFi Account number - CHECKING XXXX Routing number - XXXX XX/XX/year> Deposit : XXXX XXXX XXXX XXXX XXXX Checking - XXXX Transfers {$5000.00} XX/XX/year> Deposit : Account Fund from XXXX Checking - XXXX Other {$500.00} I suffered " Bait and Switch '' Tried to close the account ; SoFi has it locked I'm hearing impaired and covered under the American Disability Act All internet communications with SoFi have a response of asking me to call XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Acct # XXXX XXXX ) XXXX XXXX XXXX Acct # XXXX In Accordance with the Fair Credit Reporting Act XXXX Accounts 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.
Product: Credit reporting or other personal consumer reports

Bank of America Account XXXX  XXXX This account was report as a XXXX and this is affecting my score negatively. The reporting of this account is incorrect as i still see a balance of XXXX after it was charged off. I urge your agency to reinvestigate, provide all the missing information. Also please explain why there is a past due balance reporting while the report show charge XXXX Im pretty sure you know that it is a violation. I demand the immediate deletion of this account to ensure that your agency is reporting full and only complete information on my Account. Please be aware that I am keeping a detailed record of all correspondance and actions taken throughout this process. Failure to respond to this letter or address the mentioned violation within the Specified time frame will leave me no choice but to proceed with legal action to protect my rights as a consumer.
Product: Checking or savings account

XXXX  XXXX XXXX Is negatively affecting my banking need they reported false information in my file my XXXX  XXXX XXXX Checking account was opened fraudulently I didnt authorize the opening of this bank account please remove any negative items on my report that is in relation to XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) XXXX XXXX ( {$910.00} ) 2 ) XXXX XXXX XXXX XXXX ( $ UNKNOWN ) 3 )  Santander Consumer USA ( {$11000.00} ) 4 ) XXXX ( {$290.00} ) 5 XXXX XXXX XXXX ( {$1800.00} ) I did not authorize any of these attempts to collect any debt or to unlawfully report any negative account on to my credit report file. I need these items annulled and removed immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Credit Reporting Act. The list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

In accordance with the Credit Reporting Act XXXX Account : XXXX XXXX 15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604a Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

1. XXXX - XX/XX/20 - XXXX 2. XXXX XXXX XXXX - XX/XX/20 - XXXX I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible