23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX we received our monthly statement along with the Escrow shortage statement from Guranteed XXXX. Our payment was at {$1600.00} last year so when we received the shortage statement of {$330.00} we paid that with our payment on XX/XX/XXXX. It noted on the receipt the payment was received and the {$330.00} would be credited to the escrow account. We received XXXX 's statement which did not reflect the Escrow shortage amount we had paid and had gone up to {$1600.00}. XX/XX/XXXX I called the lender but no answer, I called again XX/XX/XXXX and again no answer. I called again XX/XX/XXXX and again no answer. I paid our payment late at this point because I could not get a hold of anyone. I called again XX/XX/XXXX and a guy finally answered but said they were having IT issues and could not help me, I called again XX/XX/XXXX and spoke with a woman who said she would get the issue fixed but wait until XX/XX/XXXX to make the payment. On XX/XX/XXXX we received a new mortgage payment of a shocking {$1700.00}. The payment increased it did not decrease like it should have. I am suspecting they subtracted our escrow payment twice or more. On top of which the payment went from {$1600.00} in XXXX to {$1600.00} in XXXX which does not make sense to begin with. Even with the escrow shortage the payment should have only increased to {$1600.00} a month not up to {$1600.00}. But again no one can give me an answer on anything. As a consumer I need to get this fixed as this is an annual occurrence of which we fight every year. Last year it took 3 months to get fixed and the following year it took 9 months to get fixed. This is totally unacceptable.
Product: Mortgage

Bank of America sold my VA Home Loan to XXXX. The official loan transfer date was XXXX XXXX, 2015. Bank of America failed to pay city taxes to the town of XXXX, CT in the amount of {$2000.00} by the due date of XXXX XXXX, 2015. Consequentially the town charged an interest penalty. Bank of America refused to pay the {$62.00} payment. 

I spoke with XXXX from the Bank of America tax department at XXXX extension # XXXX. He was unable to help me and said XXXX XXXX should pay even though the official transfer date took place after the payment was due. 

I just got off the phone with XXXX and they said they have paid the payment out of my escrow account and have paid the interest penalty from lender funds not my escrow account.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) ( b ) ( c-2 ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

INCORRECT ACCOUNT INFORMATIONThe accounts below are reporting incorrectly please investigate these : XXXX. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX { Reason for Dispute } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 2. { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX { Reason for Dispute } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 3. { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX { Reason for Dispute } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 4. { XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 5. { XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 6. { XXXX XXXX XXXX XXXX XXXX XXXX  } XXXX { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 7. { CHILD SUPPORT ENFORCEMENT } { XXXX XXXX XXXX XXXX  { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 8. { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 9. { XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i XXXX. { XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 11. { XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i 12. { XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX { REASON FOR DISPUTE } 15 U.S. CODE 1692 ( D ) ( 1 ) 15 U.S. CODE 1681i REMOVE INCORRECT PERSONAL INFORMATION I am disputing the following personal information that is showing for me which is incorrect : 1. Incorrect Address 2. NAME
Product: Money transfer, virtual currency, or money service

*There is simply no right to " retain client funds permanently '' under clauses 12 and 36 of your payment terms. A timely refund also means all funds. You have no right to confiscate all funds. You are maliciously abusing the contract. ( XXXX ) * Copy emails to reply to customers and insult customers. ( Picture : XXXX ) **Square provided false information when CFBP responded to customers. The customer is informed by email that the funds will only be retained for 90-120 days for review before the funds can be released. But you also did not issue an information request with the customer to cooperate with the investigation. It's completely one-sided and unfair to customers. ( Picture : XXXX ) 1. The account registration ( deactivation ) time is XXXX, and the payment terms of XXXX apply. Square requires customers to abide by its updated payment terms in XX/XX/XXXX. 
XXXX. Your email client promises to review and publish it within 90-120 days. You broke the contract and nothing came of it. 

XXXX. The account is delayed for 2 years. You did not contact the customer midway to propose a solution, deliberately delaying the process. Instead, after a complaint is made to the " XXXX '', it will be " permanently retained '' and will be subject to your company 's payment terms XXXX ( which does not indicate that you have this authority ) ( or trigger Article 12 ) ) Summary : Square complained that managers abused terms, violated contracts at will, bullied consumers, and deducted customer funds at will. It is hoped that the relevant financial authorities will intervene to investigate Square.
Product: Mortgage

I lost my job due to XXXX in XXXX i reached out to my mortgage lender US Bank XXXX Mortgage and they put me on a forbearance plan. I got another job in XX/XX/XXXX and my mortgage forbearance was up in XX/XX/XXXX. I reached out to let U.S. Bank know that i had a job and would like to have my loan reviewed to see if i could get a lower payment and also wanted to drop the forbearance plan and resume payments after the loan was reviewed. The first time i tried to get my loan reviewed was in XXXX XXXX i applied for mortgage assistance online with U.S. Bank who stated that after they reviewed my loan i qualified for a temporary payment plan for 3 months and once they see i am paying my payments they will take me off that. I did decide to go ahead and accept this agreement and i made my first payment XX/XX/XXXX. I called the bank XX/XX/XXXX and they told me that that loan review was cancelled and that i wasnt eligible for that particular plan as there was something wrong with my principal. I was floored i had no idea what that meant and the XXXX Bank XXXX told me that i had to fill out another mortgage application which i did XX/XX/XXXX and submitted to U.S. Bank. I have called 3 times and finally got a rep that " seemed " knowledgeable and told me she would help me get everything straightened out and that she would call me back on Friday XXXX. Her name is XXXX and her employee ID is XXXX. I was happy to have someone helping me that was knowledgeable. I just looked back on the website and yet again my loss mitigation review was canceled. I have NO IDEA WHY. I tried calling U.S. Bank several times on XX/XX/XXXX and could not get XXXX rep to explain what is going on. I am utterly disgusted with this lender and how they do business. They are criminals! All i want to do is get my loan reviewed and tell me all y options so i can make the best decision and start to pay back my loan and XXXX AT THIS HORRIBLE BANK HAS HELPED ME WITH THIS! What are customers supposed to do if the lender is deliberately cancelling reviews and giving me the run around? HELP!!
Product: Checking or savings account

I received a check for {$6900.00} from XXXX and deposited the check on Saturday XX/XX/XXXX. I was told and received a slip stating that {$5300.00} would be available on Wednesday XX/XX/XXXX and the other {$1300.00} would be available XX/XX/XXXX. I then received an email that the funds would be held till XX/XX/XXXX. I called on Monday XX/XX/XXXX to ask about it and was told after the operator spoke to a supervisor not to worry and that it would not be held till XX/XX/XXXX, that it would still be release XX/XX/XXXX. Wednesday XX/XX/XXXX is now here and theres no funds Available. I again called Bank of America and was told its being held till XX/XX/XXXX and theres nothing they can do because they have to make sure the check clears. I then called XXXX and asked if they can do a wire transfer because Im having this issue and he looked up the check and said it was already cleared and funded on Tuesday XX/XX/XXXX so he doesnt understand why my bank is holding it that long. I would like to know why their holding it to be sure it clears if the issuer has already funded it? Why do they need 10 days over the time that it was funded? If it has been funded, why do they need to hold it longer? Ive never had an issue with my account. Theres never been suspicious activity or any checks that havent cleared. This is causing a financial hardship for me and I dont understand the reasoning for it.
Product: Debt collection

I did not get any paperwork prior to XX/XX/XXXX when TSI placed this account on my CRAs. The correct paperwork was supposedly sent in XXXX, I never received that either. Regardless, if I had 30 days to validate the debt from XXXX, it should not have been placed on my CRA in XXXX. This is illegal and I want this collection removed immediately! Customer Service dd not apologize o anything, they were just pressuring me to make a payment. I want this as a pay to delete not updated!
Product: Consumer Loan

The company has been incorrectly reporting that I have an open account with them and reporting it as 30 days past due every month lowering my score. Disputes have been filed and the company has not corrected the information on my credit report.
Product: Mortgage

ine complaint portal. ...XX/XX/XXXX

XXXX XXXX XX/XX/XXXX 
to Consumer 
Greeting, I would like to file a complaint against :- The Ocwen / Home Ward Residential

On or around XX/XX/XXXX I contacted my  loan servicing company Ocwen  about refinancing , I was told my a XXXX , " We don't do refinancing but we have a replicable company whom we work
with". I was given a loan officer by the name of XXXX XXXX  , whom took an application over phone and gave me a Quote on what my new monthly payments would be.
He then ask for several public and personal information that he claim was needed to move my application forward, all those information was given to XXXX XXXX.

XXXX XXXX urge me also to paid for an appraisal right away which he said would move things faster so refinancing could be closed. I made it clear that I did not want to pay for an appraisal
If I was not going to get loan, he replied that they were just waiting on appraisal to go through closing. I gave e-mail XXXX XXXX my ATE card, he deducted $XXXX from my account.

I was not satisfied with appraisal and I inform XXXX XXXX , I was not satisfied with appraisal and I wiil not sign for it. XXXX XXXX response was the appraisal had not to with me being qualified for
for refinancing---------I  made it clear to XXXX XXXX I needed no loan just to lower my interest rate.

I then about three other people from home ward asking for information that I had give to XXXX XXXX XXXX:-
A XXXX XXXX XXXX XXXX XXXX XXXX I then HAD SOME QUESTIONS ABOUT THE HOW PROCESS WAS BEING CODUCTED , THEN I WAS TOLD WE  DONT DO REFINANCIN IN YOUR AREA, WE WILL LET YOU
Product: Checking or savings account

Numerous CFPB complaints have been filed pertaining to unauthorized accounts and fees charged to them. I reasonably requested a refund in the amount of {$610.00}, this amount reflects prior remedy refunds received. Wells Fargo responded by mailing me several mediation request forms, a total of four were filled out, requested refund in the amount of {$610.00}. XXXX XXXX with Wells Fargo contacted me, offered a settlement amount of {$3700.00}, which was accepted in XXXX. It is now XXXX, no payment received, I am now making additional requests for refund in the amount of {$610.00}. Wells Fargo rep by the name of XXXX XXXX replies via CFPB portal claiming to have made numerous resolution attempts, exhausted all resources, etc.. His reply is a duplicate, still has not mentioned one such attempt at resolution. It appears he chooses to submit a general form reply and use it as a duplicate to avoid going in to any supposed attempts at resolution, knowing they are false.. I can assure the CFPB his claim of making any attempts at resolution is entirely bogus, a lie. I have not received any contact from Wells Fargo since XXXX, no calls or emails from anyone attempting to make resolution. I spoke with an attorney, was advised to inform the Federal Court of Wells Fargo bogus settlement offer, also to file a small claims suit. That being said, I emailed the attorney for the class, informed him of what happened. Prior to this, I attempted to resolve this matter directly by calling Wells Fargo corporate officer, a total of three calls were made ... .I spoke with two reps by the name of XXXX XXXX a third by the name of XXXX XXXX all of whom could not locate any cases under my name or notes thereof. On the third call, I attempted to reach XXXX, the rep could not locate him ... In closing, I wish to reiterate any claims of attempts at resolution by Wells Fargo are 100 % false, a lie. Their only contact with me was through XXXX XXXX whom offered a bogus settlement, did not send any payment, nothing received to date.. Further, Wells Fargo is fully aware of resolution, which is to refund {$610.00} since they did not honor settlement offer..
Product: Money transfer, virtual currency, or money service

I am filing a claim against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process 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 financial loss, and I seek appropriate redress.
Product: Checking or savings account

Have Had Multiple Problems With Cashapp Accessing Funds Or Funds Not Showing Up Or Being Available Unauthorized Use On My Card Called Cashapp They Told Me They Canceled That Card And Was Sending A New One Then They Never Did And The Card Kept Getting Used
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts in XXXX that are reporting incorrect data and nonpayment status. The accounts are being paid and almost zeroed out. I have asked that this matter be looked into as they are reporting outdated information to my consumer credit files in XXXX, Equifax and XXXX affecting my scoring and limiting my ability to attain loans and/or other credit based services or products. 

I am current and have made all payments on time. I am a XXXX XXXX  XXXX XXXX and do not have the time to be consistently battling these companies to update information which is their responsibility to do. 

I am asking for assistance in this matter from the CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

I never opened a JPMCB card or account in XXXX or XXXX. I need this removed from my credit history. I was out of the country for over 8 years and going back. I had a credit score of XXXX before I left and now its a lousy XXXX! This is insane! I have multiple fraudulent accounts on my credit reports that were not opened by me.
Product: Credit reporting or other personal consumer reports

I am fling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i,
which mandates a reasonable investigation of disputes. Furthermore,

Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative
proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting 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 XXXX XXXX XXXX. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX, XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : DP OF EDUC Account Number : 24148820 and list of Inquiries.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

All my hospital bills consist of me having insurance XXXX  hospital XXXX XXXX XXXX XXXX XXXX XXXX XXXX SCA collections we have had insurance for everything XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters of dispute on XX/XX/XXXX and XX/XX/XXXX to XXXX XXXX regarding their failure to remove my account from their reporting and showing a derogatory that is more than 8 years old which by law must be removed after 7 years from the first " late '' payment. This was a Wells Fargo credit card account that was closed some years ago.. Wells Fargo replied to XXXX. that they would not remove the account/derogatory at this time.
Product: Mortgage

I have a mortgage payment I have a car loan my car is not have it because XXXX he will get back with my car oh XXXX XXXX I lost XXXXXXXX XXXX  pay for them and mortgage payment also because its nobody help XXXX exiting the car my car is no pay for them and XXXX XXXX  I have a doctors note also
Product: Credit reporting or other personal consumer reports

I requested the removal of these unauthorized inquiries from my credit report but I'm still seeing those on my credit report. Please block and remove those on my credit report.
Product: Vehicle loan or lease

When I got offered this loan I traded in a completely paid of 2017 XXXX  for this bigger XXXX  and the sales person told me I was at 8 % with the new loan but Ive not made any progress with the payment being ( -18 % ) paid off and when my financial hardships started I asked to refinance for easier terms and they told me no. I looked online to find my contract and they gave me at over 28 % on my loan! Not what I knowingly signed for and the loan is so malicious and predatory. Its impacting my day to day life, me mental and emotional health and the company has refused to refinance. Exeter is extremely crooked and should not be allowed to extend its loans to American consumers
Product: Mortgage

We have never had a late payment. There was one instance where we had overpaid and the mortgage company was not accepting our automatic deposits. But that only lasted for XXXX months. There was one other time when the loan was transferred to Specialized Loan Servicing and they sent us a late notice in error. 

XXXX reached out to Specialized Loan Servicing via their messaging portal to ask for the process in canceling PMI once we reached 78 % XXXX the home 's original value. 
We received no response. 

XXXX called the XXXX number and were told to email XXXX. We did. We received a canned message on XX/XX/2023 about how to cancel the escrow account, rather than my PMI. 

XXXX inquired a third time. and received another canned message ( on XX/XX/2023 ) telling us how to cancel my PMI before the scheduled date. Again, the scheduled date was XXXX year ago, so the information provided did not answer my question. 

XXXX We emailed again asking to speak with a manager and received no response. 

XXXX called customer service again on XX/XX/2023 and was transferred to a representative in the XXXX department. She advised me that we had not reached the Scheduled Date where PMI could be cancelled. I asked her to provide me with the scheduled date, and she indicated that she didnt have that information. She would submit a request to the XXXX XXXX to research that and make a determination but would not let us know if and when a determination would be made. We needed to call back on an unspecified date to find out. 

XXXX received a call from XXXX XXXX XXXX asking us to return the call. There was no extension or name. We did and had to start over with the representative that answered the phone. We waited while he read through notes. He then said we needed an appraisal. We told him that you do not need an appraisal when you are not trying to cancel early and that we wanted to speak with a supervisor. We were told one would call us back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the following accounts : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX, and XXXX. They refuse to remove these accounts that do not belong to me.
I disputed the following fraudulent inquiries I did not initiate and are not covered by fair use : XXXX XXXX XXXX, 2017, XXXX XXXX XXXX XXXX, 2017, XXXX XXXX XXXX XXXX, 2017, XXXX XXXX XXXX, 2017. They refuse to remove these inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this charge off on this XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. 
I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''