23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am filing this complaint against Cross Country Mortgage ( XXXX ) XXXX # XXXX regarding the unexplained and repeated increases in my mortgage payment, escrow mismanagement, and lack of transparency in loan servicing. Despite my continued efforts to seek clarification, I have received no clear explanation for these changes, leading me to believe that my mortgage servicer is taking advantage of me as a first-time homebuyer. 

Key Issues : Unjustified Mortgage Payment Increases : At closing, I was provided with a clear breakdown of my expected monthly mortgage payment. However, in less than seven months, my payment has increased three times with no prior warning or explanation : - XX/XX/XXXX ( Closing ) Initial Payment : $ [ XXXX ] ( as per loan agreement ) - XX/XX/XXXX Increased to {$2800.00} - XX/XX/XXXX Increased again to {$2800.00} with no justification. 
I have requested a breakdown of these changes multiple times, but I have received no clear response. 

Unexplained Escrow Shortage of {$2400.00} Despite Consistent Payments : - My escrow account suddenly reflects a negative balance of {$2400.00} despite my monthly mortgage payments being made in full and on auto-pay. 
- I have never missed a payment, yet my escrow account has fallen into a deficit within XXXX months of closing. 
I need a clear explanation of how this shortage occurred, especially when my escrow payments were included in my mortgage from the beginning. 

Delayed Tax Payments Due to Escrow Mismanagement : - My MUD tax ( {$890.00} ) was marked as paid in my escrow account but was not actually paid until I escalated the issue on XX/XX/XXXX, when it was at risk of delinquency and the check was sent to my tax office weeks later. 
- I had to personally pay my XXXX XXXX tax of {$1400.00} on XX/XX/XXXX out of pocket because my mortgage servicer failed to pay it on time when it was at risk of delinquency XXXX XXXX, XXXX. 
These failures in timely tax payments put me at financial risk and demonstrate negligence in managing my escrow funds. 

Impact : - Financial Burden : My budget was based on the original mortgage estimate at closing, yet my payments continue to increase arbitrarily. 
- Loss of XXXX : I have since canceled auto-pay because I no longer trust that my funds are being allocated correctly. 
- Emotional Stress, XXXX XXXX XXXX XXXX XXXX XXXX : As a first-time homebuyer, I feel that my mortgage servicer is taking advantage of me by making unjustified increases and mismanaging my escrow. 

Resolution Sought : I would love if CFPB could investigate Cross Country Mortgage for : - Immediate correction of my mortgage payment back to the originally agreed amount. 
- A full audit of my escrow account, including an itemized breakdown of all tax payments, insurance, and other charges. 
- A clear explanation of why my mortgage has increased three times within seven months.

- A commitment to proper escrow management to prevent future unjustified increases and delayed tax payments. 
- Assurance that I will not face penalties for withholding payments while seeking resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was cyber hacked and was notified by XXXX XXXX after the faxct once i started multiple disputes of identity fraud including XXXX  XXXX then equifax said i was a victim of cyber incidemt on XX/XX/2019
Product: Money transfers

On XXXX XXXX, 2015 I initiated an international wire transfer for {$30000.00} from Webster Bank at XXXX XXXX XXXX XXXX, XXXX, CT. The money for this transfer was coming directly from my personal checking account at this bank. On XX/XX/2015, I got word from the intended recipient of the wire transfer that the XXXX number had not been included in the information on the wire transfer and without it the funds would not be available to said recipient. I returned to the branch where a wire investigation form was filled out and faxed to the wire transfer department to send to the recipient 's bank. On XXXX I find out, quite accidentally, that my checking account has been frozen by Webster Bank without my knowledge. I am told that this was done because they suspected fraud. My account was unfrozen, but on XX/XX/2015, when the money had still not reached its destination, I returned to the branch to find out that the fax to the wire department had never gone through on XXXX because their fax machine was out of order, and still not repaired on XX/XX/XXXX! The critical XXXX number was relayed via email, and although I requested an email with a confirmation number that the Iban number had been by the end of business on XX/XX/XXXX, it was n't until XX/XX/2015 I finally received that email. By this time, the XXXX project had been shut down for more than 10 days, and I had no idea when this money might reach its destination. By XX/XX/XXXX we finally get information from the recipient bank that they need information sent from my bank and I need to get a message sent. I call the Webster Bank Help Center. They speak directly to the wire transfer department and I go back to the branch and initiate another wire investigation form to send the necessary message. I asked for an email with a confirmation number ; on XX/XX/XXXX, a full 2 weeks since initiating this, when I still had not heard anything by early afternoon, I called and was told that XXXX was not in today. When I returned to the branch once again, I found out that XXXX had received an email early that morning from the wire transfer department stating the recipient bank needed XXXX additional piece of information from me before releasing the funds. XXXX had asked her manager and another coworker to please contact me because she has to attend to an urgent family medical emergency. Obviously they had not, and again a critical deadline loomed. The task was finally accomplished. I am still waiting for the email confirmation. The money was received on Monday, XX/XX/2015, but the government shut down the work site again and a fine of {$130000.00} has been assessed for delays caused by Webster Bank and also the possible loss of the XXXX. trade license which is necessary to do business in that country if this fine is not paid immediately. Money for this fine is not readily available ; business assets are tied up in the current project. I feel entitled to some sort of satisfactory recourse from Webster Bank for their role in the delay that caused this fine to be assessed.
Product: Credit reporting or other personal consumer reports

I was recently denied credit due to incorrect reporting and failure to verify/validate the information on my credit report. The incorrect, incomplete, and misleading information on my consumer report has impacted my credit worthiness, credit standing, credit capacity, character and general reputation. 

A consumer reporting agency must have reasonable procedures to ensure the accuracy and fairness of consumer credit reports. Consequently, we are requesting a thorough investigation into the disputed items and verification of their accuracy in accordance with 15 USC 1681 ( e ) ( b ). 

I am unable to review by XXXX Credit Report despite me validating my account with my telephone number on file- ( thru text message ). I have called XXXX Number and the phone call was disconnected multiple times after being on hold for a long period of time. 

I have a right to utilize a consultant company to assist me in submitting letters on my behalf. XXXX XXXX XXXX is NOT a credit repair company and they have not requested " payment up front '' as noted in the attached letter. I have granted limited Power of Attorney to XXXX XXXX XXXX to submit requests/letters on my behalf- ( see Notarized Power Of Attorney ) and XXXX have sent `` Stall Letters '' and have failed to investigate any inaccurate and incomplete information. XXXX is the only credit reporting agency that I am unable to obtain my credit report, unable to reach a representative and have FAILED to investigate inaccurate and incomplete information on my credit report. 

I am almost certain that XXXX is reporting inaccurate/incomplete information- ( I have verified my report thru third-party company-XXXX XXXX-which not the most reliable information. 

I am requesting for XXXX to send my OFFICIAL and COMPLETE Credit report dating from when the accounts were originally opened to current date. 

I am also requesting for XXXX to review the following account for possible inaccurate/incomplete information- Discover Acct # XXXX 30 Late payment XXXX-this is INACCURATE-SEE BANK STATEMENT SHOWING ( 2 ) PAYMENTS MADE IN XXXX. 

I contacted Discover and the representative confirmed both payments were received in XX/XX/2024 but Discover posted the XX/XX/XXXX payment was posted for XX/XX/2024 payment-the representative was unable to explain the reason and requested that I submit a dispute. 

XXXX XXXX Acct # XXXX Ensure Accuracy and completeness of reporting on this account. Provide verification/validation of negative information on this account.
Product: Payday loan, title loan, or personal loan

Received a robocall indicating that a judgement claim was filed against me and I was scheduled to be served by an 'officer ' the following day at work or home. The number that called me was XXXX. The recording stated that I needed to call XXXX. I called the # in the recording, XXXX answered, gave my name & this is the story he spewed. XXXX states that I have a couple of outstanding loans that total {$1100.00} with fees of {$280.00} bringing the total to {$1400.00}. XXXX stated that he can stop the claim being filed with the court with a settlement offer of {$880.00}. I asked who is the original debtor. 

XXXX XXXX XXXX XXXX which is defunct according to the BBB website ) is the debtor with the original loan date of XXXX. XXXX stated that the debt was validated as a new debt as of XX/XX/2019 via United Debt Holdings whom picked up and reissued this debt. I asked XXXX whom he worked for, XXXX stated he is not a debt collector but works on behalf of XXXX XXXX XXXX out of XXXX Ga. I asked for an address he refused. I asked for validation of this debt, XXXX stated that XXXX XXXX XXXX already validated the debt. XXXX made sure to reiterate that if I do not decide to pay the settled amount he offered I would be served with a judgement against me and an XXXXfficer will be serving me most likely at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC 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. Please delete the account : XXXX XXXX Date Opened : XX/XX/2016 Balance : {$5600.00}
Product: Credit reporting or other personal consumer reports

Equifax, I am again filing this complaint as you never resolve the issue- I have filed complaints here - as well as called in - over and over and over - check the notes for my file. 

You lie to me saying you will resolve this - and have someone call me- and you never do. 

You also refuse to transfer me to a supervisor on the phone. 

I again called in at around XXXX XXXX XXXX 

I again asked to be transferred to a supervisor and was put on hold for over 30 minutes and no one answered back up. 

I am paying for your upgraded service - and not able to freeze or unfreeze or lock or unlock my file. 

Fix this immediately. 

I am paying for a service you are not providing me - and refuse to fix - even though I have contacted you over and over and over. 

Attached are my contact details.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020. I mistakenly sent {$350.00} to XXXX XXXX XXXX through XXXX XXXX. As soon as I realized it was a mistake, I tried to reach XXXX XXXX XXXX but to no success. She blocked my phone. I tried to complain to XXXX XXXX  customer care but to no avail. 

I called my bank, Bank of America to let them know and to also find a way to stop the transaction from going through. 

The first person I spoke to told the that the transaction was still in progress. I pleaded that they should not allow the transaction to go through. I told the customer representative to block the transaction and send my money back. 

I did that in less that 24 hours. 

My bank told me that they will investigate the matter. After they did, Their conclusion was that person that received the money said that it was not a mistake. 

I am very much dissatisfied and disappointed at Bank of America for not protecting a customer interest when it matters most. 

My hard earned money is gone with the wind. The person that received the money did not render any services to me to deserve that amount of money I had hope in Bank of America as a financial institution but after this transpired, I am beginning to think of how to leave the bank for good to another bank that will protect my interest when it matters most and at all cost.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXX  Account Number : XXXX
Product: Checking or savings account

On XX/XX/2021 I received a text from Chase that there was suspicious activity on my personal checking account. Someone had taken {$3000.00} out of an ATM about an hour from where I live ( I live in XXXX CA and the ATM was in XXXX XXXX ). I immediately called Chase and said that this was fraudulent activity. I still had the ATM card in my possession. The customer service representative said she would shut down this ATM card and send me a new one. 

Later that day I checked my personal checking account online and someone had entered the branch and withdrawn {$8200.00} from a teller using a fake id. So that was a total of XXXX from that account on XXXX. I immediately called Chase to report the fraudulent activity. The customer service representative said that Chase would suspend this account and I should go to a branch to open a new account. 

On the morning of XXXX I pulled up my Chase business account online and saw that there was an unauthorized withdrawal using a deposit slip of {$10000.00} at the same XXXX XXXX bank branch. So this is the THIRD unauthorized transaction on XXXX in XXXX XXXX. I immediately called Chase and they told me to go to a branch to close this account and open a new one. 

I went down to my branch on XXXX and filed XXXX fraud claims : one for the XXXX and XXXX unauthorized transactions on my personal checking account and XXXX for the {$10000.00} unauthorized withdrawal on my business account. Both accounts were closed and I opened XXXX new ones. 

After several calls with Chase and faxing several affadavits, Chase has refunded the {$3000.00} ( ATM transaction ) and the {$10000.00} ( unauthorized business withdrawal ). They refunded the $ XXXX because the signature on the withdrawal slip at the bank was clearly not my signature. 

After XXXX separate appeals Chase has continued to deny the claim for the remaining {$8200.00} because it was " a pin transaction '' This despite the fact that the {$3000.00} they refunded was also a PIN transaction and they alerted me to all this fraud to begin with. They told me my only recourse was to file a police report which I did on XXXX. The police detective said he was optimistic that they would be able to get video footage from the bank to prove that this was theft. However, he said it could take a while because Chase is " notoriously uncooperative with police investigations. '' I do not yet have an update on that investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with XXXX, XXXX, and XXXX  against Pro Collect. My dispute is that a collections account is still reporting on my credit and it is past the statue of limitation for Texas. 
XXXX and XXXX- Didn't even reinvestigate the dates. 
XXXX  - Pro Collect submitted a copy of the original contract ( shows dates of first delinquency ) but didn't remove it from my credit file. All three companies are only investigating the account ownership. I am not disputing ownership. I am disputing the fact that its an old collections account and past the statute of limitation. The original date of first delinquency is XXXX/XXXX. The statue of limitation would of expired XX/XX/2023.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Property Jointly Owned on XXXX, Hawaii since XXXX. In XXXX and XXXX was a Presidential Declared Disaster Area due to XXXX Hurricane and XXXX Flooding. In XXXX and XXXX CARES/COVID. 

Further to compound things the other individual XXXX XXXX XXXX '' filed XXXX XXXX Bankruptcy which was XXXX on XX/XX/XXXX leaving me solely obligated. 

Have requested full Payoff info from the HOA XXXX XXXX XXXX XXXX XXXX XXXX + The Club at XXXX XXXX XXXX ' ) - the amounts in default. Only received XXXX, it's been 11 business days and still waiting for XXXX Payoff Amounts. Also had question to HOA ( XXXX ) about maximum yearly interest that is chargable as 30 % of XXXX is interest. I can not get answer on this. This is not a loan- it is HOA. This is not my main concern but secondary. 

My main concern on both is that even though XXXX sent in XXXX XXXX Discharge info and FED Form 108 to XXXX to XXXX XXXX XXXX XXXX XXXX, and also to XXXX at XXXX XXXX XXXX XXXX XXXX XXXX and to XXXX Real Tax XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX none have updated their records and all still show him as an obligator. This makes funding a payoff difficult as 3 years later after discharge I can not do anything with his name on with these parties and on the title. Attached are the US BANKRUPTCY court documents showing notice and showing the approved discharge on XX/XX/XXXX. Please update your records so I can continue to move to avoid foreclosure!
Product: Credit reporting or other personal consumer reports

I woke up today to find my credit report showing inaccurate accounts, and Im completely baffled as to why this has happened. I check my report often, and Ive never seen these kinds of mistakes before. I even tried refreshing the page multiple times, thinking it might just be a browser glitch, but the accounts stayed there. Im begging you to carefully review the documents Ive provided to fix this once and for allI cant keep living with this fear.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE BE ADVISED THAT 15U.S.C. 1681 602 A ACCURACY AND FAIRNESS OF CREDIT REPORTING HAS BEEN VIOLATED BY XXXX XXXX XXXX AND XXXX EQUIFAX. ALL OF THE ABOVE IS REPORTING AN ACCOUNT # XXXX ON MY CONSUMER REPORT WITHOUT MY PERMISSION OR KNOWLEDGE OF DOING SO FROM THE START OF REPORTING FALSE TRADELINEXXXX XXXX  FAIL TO VERIFY THIS ACCOUNT WITH CORRECT MAILING ADDRESS AND INVOICES OF MONTHLY STATEMENTS AND ORIGINAL CONTRACT THAT I SIGNED WITH THEM FOR PURCHASE OF USED VECHILE AND PROOF OF VECHILE BEING REPOSSED FOR ADDRESS ASSOCIATEDCWITH THE REPORTED ADDRESS OF XXXX XXXX XXXX XXXX XXXX NJ XXXX. IT SHOULD BE NOTED THAT THIS PROPERTY WAS VACANT OR ABANDONEDAT THE ALLEGED TIME OF CONTRACT AND LATE PAYMENT OR REPOSSESSION. I DEMAND ALL INVOICES MAILED TO ME AND PROOF OF REPOSSESSION-TIME, DATE, AND LOCATION OF REPOSSESSION.
Product: Credit reporting, credit repair services, or other personal consumer reports

One of the addresses listed under " associated addresses '' is incorrect. I have never lived at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLORIDA XXXX I sent an email requesting a change but did not receive a reply. 

Thank you.
Product: Bank account or service

Yes I had a bank account in 2014 with JPMorgan chase bank I deposit a check that a company gave me to in they told me it was fraud. And they was going to end there relationship with me for go in they reported me to XXXX I contacted XXXX by mail told the to remove me. They write me back and said they had started investigation in it might take 30 days to complete the investigation after 30 days they write bank in said they are removing me from XXXX because JPMorgan bank ca n't verify it so need this to be fix ASAP.
Product: Credit card or prepaid card

In XXXX XXXX, I opened a fraudulent dispute with TD Bank for my XXXX XXXX Cashback Credit Card. I did not authorize the 4 charges of {$950.00} distributed across XXXX XXXX XXXX XXXX ( total unauthorized charges : {$3800.00} ) and the 6 charges of {$990.00} distributed across XXXX XXXX XXXX XXXX XXXX ( total unauthorized charges : {$5900.00} ) to online merchant XXXX. These were all charges made online without my consent or knowledge. After their " investigation, '' TD Bank resolved the fraud dispute in the merchant 's favor and purported that I made those charges. I tried to appeal their decision but they denied that also. I did not make those charges and was not aware of those charges. I was not even notified of these charges, which were in the thousands of dollars, until I looked at my credit card bill. Now they expect me to pay ~ {$7400.00} dollars for charges I did not make. This will devastate me financially. The TD Bank fraud investigator who first contacted me, XXXX XXXX XXXX, called me in late-XXXX XXXX. This was the first time we spoke over the phone, and she immediately accused me of lying and making those charges. I personally found it suspicious ( and rude ) that she would jump straight to accusations before the investigation was resolved. As a result I believed the investigation was already biased against me. I 've also called her 5 days a week every week at her phone number ( XXXX ) XXXX but my calls were ignored. I know they were ignored because her voicemail changed in the time between some of my calls, and she did not call me back, meaning that she heard the voicemails I left her, but she still did not call me back! I can only deduce that this fraud investigator is deliberately ignoring my phone calls. I do not know if she is simply ignoring all phone calls or just mines specifically. I have filed a police report with the XXXX Police Department on this matter ; my case number is XXXX. I believe my identity was stolen along with my credit card information ( I was hacked ), and because of that somebody else was able to make purchases with my card number online without my consent. My case number for TD Bank is XXXX and XXXX.