23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for two loans with CrossCountry Mortgage.

Before the loans closed, I informed CrossCountry Mortgage in writing that the only correct address for all servicing communications with me was a specific post office box. 

After the loans closed, CrossCountry Mortgage sent mail addressed to me, to one of the two rental homes instead of the correct mailing address at the post office box. I again informed CrossCountry Mortgage in writing that the only correct address for all servicing communications with me was a specific post office box. 

After the loans closed, I received two payments coupons for the first month 's payment on the two loans, due XX/XX/2020. Both were mis-addressed and sent to the wrong address and only received by me because an anonymous postal employee took the time and effort to get the mis-addressed mail to me. 

I paid the first month 's payment and again informed CrossCountry Mortgage in writing of the only correct mailing address for me.

However, I did receive a telephone message purportedly from CrossCountry Mortgage telling me the servicing of my loan had been transferred and I should contact the new servicer. I have never received anything in the mail confirming the purported transfer of servicing, or from the purported new servicer. 

On XX/XX/2020, I received from ( apparently ) CrossCountry Mortgage, correctly addressed, an item of unsolicited junk mail inviting me to buy " mortgage protection coverage '' so contrary to the telephone message stating that CrossCountry was no longer servicing the loan, it appeared that CrossCountry Mortgage was still servicing the loan. 

I have since paid the XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX payments to CrossCountry Mortgage, even though I have never received monthly statements or payment coupons from CrossCountry Mortgage. With each monthly payment, I have again informed CrossCountry Mortgage in writing of my only correct mailing address. 

On XX/XX/2020 I sent CrossCountry Mortgae a qualified written request regarding the issues ( above ). The qualified written request was mailed by certified mail and according to the post office, delivered to CrossCountry Mortgage on XX/XX/2020. 

" ( c ) Acknowledgment of receipt. Within five days ( excluding legal public holidays, Saturdays, and Sundays ) of a servicer receiving an information request from a borrower, the servicer shall provide to the borrower a written response acknowledging receipt of the information request. '' It has been three weeks since my qualified written request was delivered to CrossCountry Mortgage. I have yet to receive any response from CrossCountry Mortgage. It appears that CrossCountry Mortgage is ignoring all of my written communications.
Product: Credit card

There were several fraudulent charges from XXXX, XXXX and XXXX on my City XXXX XXXX Card out of XXXX XXXX XXXX XXXX XXXX, SD XXXX. The charges were made in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX and XXXX and I did not make any of them. I was in XXXX these last 7 months ( overseeing my mom 's death, last will and testament /paperwork/inheritance ). I called them from XXXX, XXXX to let them know I had not made those fraudulent charges and asked them to close my account and dispute the charges. They said there would do an investigation, but in the meanwhile the XXXX charges were made even though i had asked them to stop and close the account. I thought the problem had been resolved and I just came back to XXXX XXXX XXXX, 2023... .just to find all these past months the City XXXX XXXX Card has been charging me with LATE FEE PAYMENTS and INTEREST CHARGES on the fraudulent charges I had disputed. I have called them 4 times these last week and they keep on transferring me to different departments that just give me the run around and have not resolved the issue in over 4 months. Also, every time I call I get XXXX representatives and it is super hard to understand what they are saying. It is very frustrating trying to speak with them. I should not have to pay for late fees for fraudulent charges I did not make. Every time I call them they transfer me at least XXXX different times to representatives who can not help me and put me on hold for long time at a time. No one has been able to help me solve this matter. They told me they had already removed the fraudulent charges, but they still want me to pay for the All i want is for the LATE FEE PAYMENTS AND INTEREST CHARGES. Please help. So far it has been a really pain in the neck just trying to communicate with them.
Product: Credit reporting or other personal consumer reports

XXXX for several years now I've had a credit freeze on my credit report because of fraudulent activity. I have asked over and over for a investigation, to have them show me it was mine and they just keep saying all info correct. 
It's not. It's fraud and every time I get XXXX or experience to remove it it comes right back the next month. This has cost me XXXX  of dollars in loans lost and extra interest charges. 
I want my credit right and some of my money back but to no avail. I'm retaining a attorney.
Product: Money transfer, virtual currency, or money service

The money was withdrawn out of my checking account on XX/XX/19. It was promised that the money will be in my receiver 's account on XX/XX/19. Today is XX/XX/19 and no money in my receiver 's account. I called customer service but I could not get a hold of a human. The computer just hung up when I attempt to be connected to a human. I chatted online with customer service and they said to wait a few more days. A few days went by and still no money in my receiver 's account. I called customer service again and again the computer would not connect me to a human. I chatted online again with customer service and they told me to call customer service. Nobody at Western Union is telling me when my receiver will get the money I sent on XX/XX/19.
Product: Mortgage

I received the final closing disclosure with a huge variance in the escrow account. 
On XX/XX/XXXX the escrow account is {$1000.00} On XX/XX/XXXX the escrow account is {$3300.00} ( This is the final closing disclosure before the closing date ).

Due to the construction delay of the house I purchase, my closing date has been changed at least 3 times. Now when the house in almost done, with the fact that the XXXX company urges me to close as soon as possible while there is a huge difference in my monthly payment and escrow account, I do not feel comfortable to close this house ; especially when they threatened me that I have to pay for the penalties. 
I completely feel disrespected and deceived by XXXX the home builder, Eagle Home Mortgage, and XXXX mortgage closing company.
Product: Credit reporting or other personal consumer reports

I would like to address an issue concerning the continuous reporting of incorrect personal information that are not associated with me on my credit report. This action is in violation of the Fair Credit Reporting Act.
Product: Mortgage

We closed our mortgage with Mid America Mortgage , Inc. ( Loan # XXXX ) on XX/XX/20 as we sold to another buyer. We had an escrow balance due for refund of {$3000.00} and still have not received as of XX/XX/20. Per CFPB rule 1024.34, b ( 1 ), the servicer SHALL return to the borrower any amounts remaining in the escrow account within 20 business days ( exlcuding Saturdays/Sundays/holidays ). Based on my pay-off date, 20 business days would be XX/XX/20. As of XX/XX/20 ( today ), it is the 45th business day and we still have not received the refund. I have called ( XXXX ) XXXX ( Mid America Mortgage Customer Service ) about 8 times to check on the status of my refund. I was initially told that a check is normally sent for escrow refunds, but there was a problem with the check servicing company. As a result, they said the refund would be sent via bank draft and at that time took my checking account information. I have spoken to a supervisor multiple times, emails have been sent back and forth between customer service and the escrow department, and nothing has been resolved. I am looking to resolve this matter as I know that I am not the only person that is having this issue as a customer service representative blatantly expressed that I was not the only customer experiencing this issue.
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. 

Account name : Attorney XXXX XXXX ( Child Support Division ) # XXXX ( XXXX ), Account name : Chapter XXXX Bankruptcy : Bankruptcy # 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 XXXX 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

Experience is being sued due to not investigating account properly and reinstate all accounts until your profile without properly doing any investigation into any of the consumer claims
Product: Mortgage

I got a loan with XXXX where the XXXX  payment was XX/XX/year>. My mortgage payment is {$1800.00} I paid {$2000.00} on XXXX and my next mortgage payment was meant to be due in XX/XX/year>. 
My loan transferred to PHH on XXXX, and my payment to XXXX is nowhere to be found. I have provided screenshots proving my payments and they are not responding and all they say is that they are monitoring the account
Product: Debt collection

This is the same debt that was from another Collection Agency, Southwest Credit, that was originally hired by XXXX for a payment of XXXX USD. This debt was carried over, even though the payment has already been paid last year. 

XXXX XXXX XXXX is the new collection agency that is trying to get me to pay money that I do not owe, that was passed from one collection agency to another
Product: Payday loan, title loan, personal loan, or advance loan

The account is charged off with a past due balance that was written off. Not only is this inaccurate information, I was also never sent a 1099C form as required by law for the written off debt to be counted as income.This debt is considered a charge off however this is actually considered income because I should have received a 1099C in order to account for this. I'm requesting that this account be removed because it is income and income is nit included on credit reports
Product: Credit reporting or other personal consumer reports

these hard inquiries are fraudulent and dont belong to me and need to be removed thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Nation Star sent a letter dated XX/XX/XXXX saying I needed to show proof of my homeowners insurance and I needed to have my agent show proof that I had insurance, otherwise Nation Star would buy insurance on my behalf. 

I received the escrow bill this week ( dated XXXX/XXXX/15 ) and Nation Star is escrowing, exactly, {$270.00} from my account, which is what I pay XXXX directly! I talked to my insurance agent through XXXX XXXX and she had no idea why that would happen. Nstar then ESCROWED the exact amount I pay to my insurance company and had the audacity to send me a bill stating the amount I already pay would be deducted monthly into my escrow account. 

Nation Star clearly took the info my agent sent them and added it to the escrow account, so that they would be paid. I have always paid through XXXX, so this is very disconcerting that NationStar was hoping I would not catch what they did in order to take more money out of my pocket and in to theirs. 

After being passed to XXXX different people, the woman in the escrow department said it was an error on their part and they should have never charged my account. She said they are starting the process to take the HOI off of the account, but when I kept asking about having something in writing, she only said they would reanalyze my escrow account. 

This is a predatory " debt collector '' as they call themselves on the statements, not a mortgage company. This company is sketchy and engages in predatory practices that are completely shady. I will be calling back to make sure this is completed AND I requested something in writing to state the charge was removed from my escrow and there would be a new analysis. 

While on the phone, I also asked how I can remove my tax escrow and the woman told me it was n't possible to remove the escrow. I told her she was wrong and it was possible. She put me on hold and after a few minutes came back to tell me I could submit a request, which they will most likely deny, but I at least tried and will keep trying because she was clearly withholding information from me on how I can remove the tax escrow. I want Nation Star to give send me the exact steps to have it removed.
Product: Credit card or prepaid card

I called the customer support number for my Citi Card asking them if it was possible to pay off my purchase amount. I also had a Flex Loan. I only wanted to pay the purchase amount as my interest rate was going to go up. They told me absolutely I could pay only the balance on my purchase amount. I asked them what that balance would be as of that day. They told me the amount and I asked them several times before we hung up if I pay that amount it will pay off the purchase amount and that it would be definitely applied to the purchase amount only. They assured me that it would and that this was noted on my account. So I made that payment. When I received my statement on XX/XX/2023 that is not what had happened. The entire amount had been applied to the Flex Loan instead. I did a Chat session with a customer service repXXXX named XXXX. He stated that he submitted the request to get it corrected and they would have this fixed within 3 to 5 business days. I stated my request again and XXXX replied back that it would definitely be corrected and that I would receive an email confirmation and a letter in the mail. I contacted Citi back after it had been the 5th day and XXXX again told me that it was processing to wait a few more days. I contacted them again on the 8th day and they gave me a number to call. I called that number and they very rudely told me that they could not do that. I have been back and forth with them since being even told " maybe it could or maybe it could not '' I would like my payment applied to the correct purchase amount as previously requested and this fixed as they had previously told me that it would be. I have spent hours trying to resolve this and have been treated extremely rudely.
Product: Money transfer, virtual currency, or money service

I recieved a check from XXXX XXXX XXXX XXXX ( apartment under XXXX XXXX ca ), with amount of {$11000.00}, and thats is for refund of rental security deposit. 

I deposit the check into my Chase checking account around XX/XX/2023, ( I forget exact date ) Usually the balance should be available in next business day, but it's not. I called customer service, they are the yare holding that check for 10 days. 

On XX/XX/2023, I found that my checking account is being closed On XX/XX/2023, I meet agent in a chase branch, he told me rest of my balance will be mailed to my adress. But {$11000.00} from that check is suspended, and call XXXX later to figure out the reason. 
On XX/XX/2023, I called that number here is their response : " The check is suspicious, so they want to contact the sender. However They can't find sender 's registered number in system. So customer has to provide one to them. '' Here are two issue. First is that the sender ( XXXX XXXX XXXX ) doesn't have a phone to call, they only have email. Second is that the sender also used Chase account to send me the check, and Chase said they can ; t find sender 's information. 
On XX/XX/2023 I called Chase again, they said if I can't provide sender 's registered number, I should let sender issue a stop payment and send me a new check. 
On XX/XX/2023, After I contact the sender ( XXXX XXXX XXXX ), here is original response in email : '' As previously stated, your check cleared our bank account on XX/XX/23. Be advised that we are unable to issue a stop payment on a cleared check. We wish to clarify that if your bank is holding back the funds, then you will need to contact your bank directly regarding the release of funds. Additionally, Chase bank has access to our account and may contact us with any questions they may have. '' Now it's like a circular conversation. Chase want to contact sender. Sender says the check already withdraw money from their account, they can't do anything.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account ( XXXX XXXX ) that was not reporting accurately across all these reporting agencies. I had several late payments on an account that for sure were paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late. I've attached a copy of my report to this complaint on the following dates ( XX/XX/year> ). I am not requesting you to investigate this account, and update these payments to paid on time immediately with Equifax and XXXX, or to be removed all together. Thank you for your understanding.
Product: Credit reporting or other personal consumer reports

These are the accounts that I have marked as inaccurate and I'll put those accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved.The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to foward consumer-provided evidence to furnishers, accepting unreliable responeses, and failing to adequately notify consumers of dispute outcomes.These failures align with my experience, where Experian has neither corrected nor removed disputed, items despite the evidence i provided, causing ongoing harm to my credit standing. i am requesting immediate corrective action toremove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Debt collection

I was scammed in XXXX. I notified all concerned immediately and stop payments. I have made no less than 20 attempts at contacting sycronicity and resolving this issue. I received nothing in writing from them until I filed a complaint. Now I'm being harassed buy them. 
I filed a police report the day it happened ( XXXX ) and provided sycronicity with the details.
Product: Checking or savings account

I deposited a check in my checking account via mobile deposit with Chase bank in the amount of {$2100.00}. The check was issued from XXXX XXXX XXXX  XXXX  due to an old mortgage account that I closed in XXXX. I made the deposit on XX/XX/XXXX. A hold was placed on the account. The hold was supposed to be released on XX/XX/XXXX. I called Chase on XX/XX/XXXXXXXX  to inquire about releasing the hold. I was transferred to the fraud department. I was told that the check was not able to be verified by XXXX XXXX XXXX bank, however, they did NOT say that the check was not paid. The representative questioned me at length about how I came in possession of check and so forth. I was accused of trying to deposit a fraudulent check. The representative said that my account would be closed on XX/XX/XXXXXXXX  and any funds in the account would be forwarded to me via check. As of today, my account shows an available balance from that check in the amount of {$1700.00} dollars that I am not able to access. Nor have I received a check from chase. I am still in possession of the check as it was made via mobile deposit.
Product: Credit reporting or other personal consumer reports

After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these erroneous items IMMEDIATELY and send me an updated copy of my credit report. 
Thank you, XXXX XXXX
Product: Student loan

I am a PA resident and voter who is currently stationed at XXXX XXXX in New York. I would appreciate any assistance your office can provide me with navigating a PSLF process that appears to be completely unresponsive to military borrowers with student loans that are fully dischargeable under the PSLF program. I have been an XXXX in the XXXX XXXX since XXXX. Last winter I consolidated my remaining federal loans ( amounting to approximately {$41000.00} ) into direct loans to take advantage of President Biden 's limited PSLF waiver program. In XX/XX/XXXX I filed a PSLF application with XXXX -the then servicer of said loans. In XX/XX/XXXXXXXX XXXX erroneously rejected my application on the basis that the end date of my qualifying federal service listed in the application was purportedly before the listed start date. This was, in fact, an incorrect reading of my application which plainly lists that I am still employed with by the XXXX XXXX. After no less than six calls to XXXX in which i waited on hold for periods exceeding 2 hours, XXXX acknowledged the error and said it would continue to process my application. In total I spent more than XXXX hours waiting on hold or speaking with XXXX employees in an effort to resolve the matter. In XX/XX/XXXX, XXXX transferred servicing of my loans to Mohela. Unfortunately, XXXX did not transfer my purportedly pending application to Mohela along with the loan servicing responsibilities. I spoke with a Mohela representative ( again after multiple hours on hold ) who advised me to resubmit a PSLF application and assured me that my application would be expedited. As of XX/XX/XXXX my application still has not been processed and multiple attempts to resolve the matter with Mohela have been unsuccessful. Over the past XXXX months I have spent hours navigating Mohela 's phone system which either traps me in an automated loop and does not allow me to speak to a live representative or places me on hold for upwards of XXXX hours at a time before disconnecting me. The XXXX order mandated COVID forbearance in place on my loans expires next month -at which point I will have to resume payments on loans that should be fully XXXX. I'm not sure if your office can help, but if so, I would greatly appreciate some assistance. If you are unable to assist, I would appreciate it if you would take note that I am not the only service member having difficulty navigating the XXXX waiver process.