23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a home loan that I originated with XXXX, which was sold to XXXX, and re-sold to Flagstar all in the space of 3 years.

Flagstar did an escrow " analysis '' early this year and added an additional XXXX dollars to an already overcharged XXXX a month escrow account. Thus I was forced to pay XXXX dollars a month which totals XXXX dollars annually. Taxes of XXXX and a homeowner policy of XXXX per year total XXXX. 

This meant Flagstar was taking about XXXX dollars more from me per year than they needed to. I am retired, live on a fixed income, and that additional XXXX dollars or about XXXX bucks a month would help me pay other bills. 

After a 3 month process which I began on XX/XX/XXXX, Flagstar finally waived my escrow account. They forced me to sign a waiver that allows them to take XXXX dollars from my escrow account before they would refund the balance to me which was XXXX. After they took their cut of my escrow- the net amount was XXXX. 

Here are my complaints. 

XXXX. I originated my loan with XXXX. I never agreed to these terms with Renasant. Or XXXX. Or Flagstar. I have no contract with Flagstar other than- apparently my application and loan can be resold and new terms added at will- without my approval. 

XXXX. It was Flagstar 's fault for overcharging my escrow account which necessitated my asking escrow to be waived. It seems rather dubious and shady that they can complete an escrow analysis, overcharge customers, and then keep the money all year until the next " escrow analysis. '' Had they left the escrow at XXXX a month, it would have worked out fine. 

XXXX. Flagstar forced me to sign a waiver giving them XXXX XXXX of the outstanding mortgage balance or XXXX. In order for me to have my escrow waived and refunded- they forced me to sign that waiver first. This was not voluntary. In order for me to regain control of my money and finances- and obtain that refund- I was forced to sign. 

I did not cause any of this. Flagstar took XXXX from me. I would like my money refunded.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRCA Violation personal information XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX 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 FRCA Violation auto loan XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FRCA Violation credit card XXXX XXXX  FRCA Violation other loans XXXX XXXX, XXXX. 
XXXX XXXX XXXX FRCA Violation hard inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

In XXXX, I opened an account with PNC Bank. The account included benefits such reimbursement for using non-PNC ATMs, reimbursement of foreign exchange fees, as well as others. In the last year or so, branch staff told me that their accounts had changed but that I was " XXXX of the lucky ones '' and that my account and subsequent benefits were " grandfathered in. '' I was told this by staff at XXXX separate PNC locations, and even have an email dated XXXX/XXXX/XXXX from a branch representative claiming this was the case. I recently returned from a trip abroad and was rudely surprised to realize I had been charged foreign exchange fees AND ATM fees which were not reimbursed even after well over a month. I began to look at my account very closely and realized that in XXXX XXXX I had other non-reimbursed fees. I inquired about this at the bank, and they said they must have been wrong but that their was nothing they could do. They sent the matter to their " escalation '' team who also said there was nothing they could do. I did not receive any direct communication from PNC by email or mailed letter alerting me to any significant benefit changes on my account. Had I been told I no longer had the benefits I believed I had, I would have IMMEDIATELY switched into the account that I now currently have which I 'm told ( though now I find hard to believe ) comes with up to {$10.00} in ATM fee reimbursements monthly as well as free certified checks, checkbooks, and an increased percent cash back for credit card purchases. I have consistently kept thousands of dollars with PNC and would have easily qualified for this account previously ... had anyone alerted me to the fact that I no longer had my old benefits.
Product: Credit card

1 I use Bilt card for rent payment in XX/XX/year>, which will pull the money from my saving account. 
2. The payment made on XX/XX/XXXX is not successful due to not enough balance in saving account ( that is another fault of my bank XXXX, the balance was not most up-to-date ). 
3. I contact the bilt and hope to repay to avoid bank of my property manager to charge the NSF fee. 
4. The Bilt told me the payment went through and tell me I can pay additional amount if I am still worried about it. I don't understand why the payment can went through and send an empty cheque to property manager after I tell them what's going on. 
5. I paid the additional amount which is same as original rental, but the NSF fee still occur. 
6. The customer agent XXXX was lying to me and told me NSF was charged by my property manager and property manager will refund me the NSF fee if I contact them.
Product: Mortgage

Last week and earlier this week I submitted the requested documents via PennyMac portal as well as I resubmitted the same documents via the PennyMac team email address. Today, at XXXX XXXX  EST I received an email from XXXX XXXX stating " missing documents for your application '' and said that this was a NOTICE OF IMCOMPLETENESS and if I didn't submit the documents by XX/XX/XXXX that my application " PennyMac ( sic ) may need to decline the application for being incomplete ''. I am working on my 3rd refi with PENNYMAC this calendar year ( XXXX ) and have had a horrible experience. The first refi completed, I muscled through and completed. the second refi, I receive a {$7000.00} credit towards closing costs since it tool over 110 days to complete on a refi where PENNYMAC held the mortgage and couldn't complete the refi in a timely manner. I am working on a a refi money out and AGAIN!! PennyMac can not get out of their own way to complete a simple refi. I confirmed on the phone with a representative that they could see where I submitted the documents twice ; however, XXXX XXXX took more time to draft and send me a threaten email rather than SIMPLE looking in the folder and determine the documents were submitted twice to PENNYMAC. I am sick and tired of working with an incompetent company where employees aren't trained or overstressed with the work load. 

I expect a return call explaining how this could AGAIN become an issue!
Product: Credit card

At the night of XXXX I tried to purchase tires for {$270.00} ( not an excessive amount ) at XXXX in XXXX, XXXX My AAA Signature Card was rejected. I tried a few times without success, tried my other Credit Card which was declined as well. At that time, I gave up and went to bed thinking it might be a glitch. The next morning, I was awoken by a message from a fraud department on the phone. I didn't respond because of scams. I immediately called the Customer Service Number on my statements. I was informed that there is a block on my card, and it won't be lifted until a board has reviewed my account. It could last 6 to 10 days. I didn't get a straight answer as to why my account was blocked and demanded to speak with a supervisor. I got disconnected. I called back, again explained my situation. A supervisor answered eventually giving me no better answers. I thought I should just wait and see. After a few days I received the attached letter in the mail. I am requested to provide three different kinds of documentation. I do understand their safety concerns and I am willing to comply providing them with all of the offered types of documentation but NOT sending a copy of my Social Security Card. This is very sensitive information. This copy will be then on file in the Bank 's computer system and might be exposed in a potential computer hack. It is excessive to ask for an actual copy of my SSC. I then called various telephone numbers I was provided with but had no success with anything. I was several times conveniently disconnected as well. However, Comenity Capital Bank insists on the SSC copy or they will close my account down in 30 days from the date of the received letter. They are holding my account XXXX. Someone down the line informed me that I apparently had received a text at the time of my attempted purchase asking if I am the one trying to make the purchase. They claim I pressed " no '' and that is when they blocked my account, I am not aware of any of this. I have {$200.00} cash rewards outstanding on this Credit Card. I also have excellent credit. To close my account would mean losing {$200.00} and lowering my CC score. This is unacceptable and I am hereby filing a complaint against them.
Product: Debt collection

Company is extremely rude, used threatening language, hangs up on caller. Spoke with XXXX a ext XXXX. Hung up on me and said that my credit would be impacted indefinitely. Never received anything in writing regarding dispute because the address entered into their system was incorrect and they refused to send any documentation regarding my debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letters Experian and XXXX credit reporting. 

The Credit bureaus stated Account Name : XXXX & Account # XXXX was properly investigated but how is this possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for a removal. They also violated my rights under 15 U.S.C. 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions I haven't given these accounts written permission to furnish these accounts on my credit report
Product: Credit reporting or other personal consumer reports

I lost my wallet, called Police, received Police report, then XXXX, XXXX and Equifax did not remove off my credit report Completely erase from my account and account history!!!!
Product: Checking or savings account

Bank of America when I had an account with them kept charging me fees that would eat up 100 % of my {$1800.00} monthly XXXX deposit every month since XXXX. I had a meeting at Bank of America requesting these funds be returned they refused and even after I changed to a different bank for my deposits the government accidentally sent over two deposits after that and Bank of America refused to refund those too
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XX/XX/2020 we had our mortgage loan refinanced with XXXX XXXX XXXX XXXX ( XXXX ) and closing XXXX XXXX. During the process XXXX is showing us 30 days delinquent in XXXX 2020 where are loan was closed by XXXX. We tried sending XXXX the information showing them this was taken care of. XXXX refuses to help us with this situation and after talking with people at XXXX they even admitted this was in error therefore, whoever is doing the background check for this delinquent time frame isn't doing their due dilingence. We need help in getting this resolved as our loan has been paid in full from XXXX to XXXX and the removal of delinquency should be reversed especially during this time with the coronavirus as we're unable to go into XXXX to try and get this resolved in person. Please help my husband and I XXXX and XXXX XXXX have this rectified as it has made a huge bad impact on our credit report. thank you!
Product: Credit card or prepaid card

I am complaining about a JP Morgan Chase credit card account. I am trying to buy a house, but there is a late payment from XXXX on my credit report. I have contacted JP Morgan Chase four times, and each time they have refused to work with me. This single delinquency is affecting my ability to qualify for favorable mortgage terms. 

I was hospitalized on XX/XX/XXXX for respiratory failure. Within days I was intubated and sedated, and placed into an induced coma. I was put on XXXX XXXX XXXX  -- a XXXX XXXX XXXX XXXX XXXX, that cleaned and XXXX XXXX XXXX outside of my body to give my XXXX and XXXX a chance to rest and heal. I have read that only 30 % of people survive this treatment. I was very lucky. I was in a XXXX   until late XXXX, and then in long-term acute care until the end of XXXX. My last couple of weeks were spent in XXXX  working on regaining my ability to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I was released from rehab on XX/XX/XXXX. 

My JP Morgan Chase credit card account was due on XX/XX/XXXX. At that point, I was in XXXX XXXX  and being placed on life support. It was thirty days late on XX/XX/XXXX, while I was still in the XXXX. As soon as I was awake and responsive, I worked with my family to take care of my financial obligations. My account was paid and made current by XX/XX/XXXX, even though my XXXX XXXX XXXX XXXX XXXX and I remained in XXXX XXXX. My account was reported to the credit bureaus as 30 days delinquent in XXXX. 

My mortgage company notified me of the derogatory report. I immediately contacted JP Morgan Chase to request they remove the delinquency. I spoke to a customer service agent on XX/XX/XXXX, who was unable to help me. She said that the company is required by law to make accurate reports to the credit bureaus. The implication was that they can't legally remove it, but I know that isn't true. Next I spoke to a credit bureau specialist. She was very sympathetic, but said that JP Morgan Chase is only able to remove reports if they are factually incorrect. 

Next, I went to XXXX and a customer service agent reached out. The answer was the same, " Please know, banks are required by federal law to report accounts to the credit bureaus. '' The agent gave me the customer service number and told me to ask for the Credit Bureau Specialist Unit, and that I may want to ask for a supervisor. Neither were able to help me, saying they can't remove a credit bureau report because of health reasons. I asked the supervisor if there was an ombudsman I could speak with, or if I could communicate with her supervisor, and she said no. 

So, I am complaining. The reason for my complaint is that I did not receive my bill, and the reason or that is because I was in a coma. I am frustrated that Chase will not work with me. I am annoyed that every Chase employee I spoke to deliberately tried to mislead me by insinuating that federal law prohibited them from helping. Please help CFPB, I have no where else to turn. This could cost me thousands of dollars. If necessary I can provide documentation supporting my claim.
Product: Credit reporting or other personal consumer reports

A XXXX  ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX refuses to refund entire amount stolen from me from use of counterfeit card. 
On XX/XX/2020, {$980.00} was withdrawn from a XXXX ATM with a counterfeit copy of my XXXX paycard. After 6 months of their stalling, I finally filed a complaint with the CFPB, which resulted in XXXX crediting my account for {$790.00}. No explanation was given for not replacing the entire amount, and their disputed transaction department actually hung up on me when I tried to get an explanation and re open the complaint. 
From www.ftc.gov : " If someone makes unauthorized transactions with your debit card number, but your card is not lost, you are not liable for those transactions if you report them within 60 days of your statement being sent to you '' I reported the fraudulent transactions within 1 hour to XXXX, so they owe me another {$190.00}.
Product: Credit reporting or other personal consumer reports

I received a letter from XXXX about an application for credit. I have never dealt with XXXX and did not make this request
Product: Checking or savings account

I had a Wells Fargo account back in 2012 and the account was closed without a reason
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and XXXX financial loss, and I seek appropriate redress
Product: Consumer Loan

I obtained an automobile loan from USAA. During the telephone conversation to apply for the loan I was offered an extended vehicle protection plan which I purchased with non-loan funds held in a DDA account at USAA. The funds for the EVP were deducted from my DDA account on XXXX/XXXX/2015 the day I picked up the car. I had changed from one dealership to another, and from one car model to another and as such I called USAA to notify them of the new information and seek a new price on the EVP as I selected a different model vehicle than I had described during my first telephone call to obtain the loan. 

The EVP proved unacceptable for many reasons and I rejected it for a refund during the preview period during which the customer may review the documents. 

The vehicle loan was established using a check-like form presented to the vehicle dealer. The bank accepted the form from the dealer and funded the loan. The bank added as second ( with a different policy number ) EVP to the loan principal and obtained state doc stamps for the entire proceeds of the loan including this unwanted second EVP. 

Telephone conversations with USAA have proved fruitless. I have asked them to remove the second EVP they added ( they may contact the vendor of the EVP to rectify their error ), correct the loan amount and correct the doc stamps. They have failed to do so putting the onus on my to reach out to the vendor of the XXXX EVP and cancel it on their behalf. This would leave the doc stamp difference unresolved. 

USAA as an agent for the EVP has made misrepresentations to induce me to purchase the EVP. USAA failed to assist in obtaining a refund for the initial EVP. As it was purchased based on the EVP 's agent 's ( USAA ) incorrect plan description I felt it incumbent on USAA bank to assist in recouping the funds debited from my account at USAA. 

USAA improperly and without authorization added an unwanted product to a consumer loan in violation of the law. When notified USAA took no timely or definitive steps to remedy their error. Rather they insist the customer untangle the mess they have made. The number of errors, misrepresentations and the stonewalling by USAA customer service lead me to hold the opinion that this is not simple errors but a pattern of incompetence, a breach of fiduciary duty, and perhaps even fraud and I encourage the CPFB to investigate and take enforcement action.
Product: Mortgage

I purchased my home in XXXX of XXXX. Since that time, I have had a very unpleasant experience with Movement Mortgage. When I closed on my home, I agreed to a monthly payment of {$1500.00}. Over the course of the last 18 months, my payment has increased twice. The first time was in XXXX of XXXX. The payment increased to {$1600.00}. It was explained to me that the payment increased due to a negative balance in my escrow account. I recently became aware my payment will increase again in XXXX is XXXX to {$1900.00}. The email I received also stated due to a negative balance in my escrow account. I think it is highly unfair that movement mortgage is able to increase my monthly mortgage payment to over {$400.00} than what I originally agreed to when purchasing my home. I am now in a position where I am unable to pay my monthly mortgage payment. I have called Movement Mortgage several times to discuss what options I have to continue to keep my mortgage payments current. The only solution that representatives have are for me to refinance my home to extend the payment in hopes of dropping me down. I was fortunate to receive an interest rate in XX/XX/XXXX which allowed me to purchase my home. Im afraid if I refinance the mortgage I n hopes of a lower payment, my interest rate will interest which would make it even more difficult to pay my monthly mortgage payment than currently. Movement mortgage claims to give clients a 45 day notice prior to increasing the monthly mortgage payment, but I was giving a 21 day notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

CoreLogic XXXX XXXX XXXX a.k.a. XXXX, are providing false inaccurate information about my rental history on my consumer report. 
I provided them with proof from The XXXX County Courthouse of NJ and my current landlord of 8yrs, that i have never been evicted or had any judgements against me. 
However, CoreLogic refuses to remove the negative information, and their representative was refusing to allow me to dispute false information on XX/XX/XXXX2017 at XXXX EST.
Product: Credit reporting or other personal consumer reports

I am a victim of that bondage I am a XXXX XXXX this account # XXXX XXXX XXXX  XXXX does not belong to me due to circumstances of my case of a XXXX XXXX victim under 22 U.S.C 7102 ( 12 ) making me eligible for certain adverse credit information to be blocked or removed from my credit report
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting or other personal consumer reports

I have unauthorized accounts showing on my credit report. According to the Fair Credit Report Act ( FCRA ) I expect this account to be removed on 4 business days. 

Accounts : XXXX ( XXXX
Product: Credit reporting or other personal consumer reports

Delete account XXXX XXXX Delete account XXXX XXXXXX/XX/XXXX Delete account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Delete account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX delete account XXXX XXXX XXXX  delete account XXXX XXXX XXXX XXXXXX/XX/XXXX delete account XXXX XXXX XXXX XX/XX/XXXX. They are in violation of the FDCPA Laws.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 


XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX-XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}