23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I changed my hazard insurance on my home which is managed through an escrow account by CrossCountry Mortgage, LLC. I changed my insurance from a XXXX XXXX to a XXXX General policy. The XXXX policy renewal amount was for {$2500.00}. I cancelled that policy effective XX/XX/year>, and informed XXXX of my new policy via their web portal on XX/XX/year>. On XX/XX/year>, CrossCountry paid {$2500.00} to XXXX on my already cancelled policy. Then on XX/XX/year>, they paid {$1800.00} on my new, and current XXXX XXXX policy. I was waiting for a refund from XXXX so I could deposit it back into my escrow account. However, on XX/XX/year> CrossCountry paid {$2500.00} to the cancelled XXXX policy, an additional erroneous payment without my consent from my escrow account. An escrow analysis was then run on my account on XX/XX/year>, resulting in a {$6100.00} shortage, increasing my monthly mortgage payment by more than {$500.00}. On XX/XX/year>, I received {$5000.00} in refunds from XXXX for the erroneous payment by CrossCountry. I deposited that amount into my escrow account on XX/XX/year>. On XX/XX/year>, I called CrossCounty and requested a new escrow analysis to lower my monthly payment based on my escrow deposit. I did not receive any information related to an updated escrow analysis for more than XXXX weeks. On XX/XX/year>, I called CrossCountry to ask why no escrow analysis had been performed. I was told by CrossCountry that an analysis was requested on XX/XX/year>, but no adjustment was made because the Sate of Colorado indicated there was still a ~ {$1000.00} shortage to my escrow. I informed CrossCountry that I repaid the refunded insurance policy amount in order to significantly lower my monthly payment, despite understanding that there would still be a shortage. This shortage is due to both property tax increases as well as the new insurance policy being more expensive than the cancelled one. I was informed that a new escrow analysis was requested and I would hear back in 3-5 days. I have an upcoming mortgage payment on XX/XX/year> which is {$3000.00}, due to an escrow shortage that no longer exists on my account. I can not afford this payment, and it can be lowered by a properly and timely escrow analysis, as I have requested. I feel that CrossCountry Mortgage, LLC is performing escrow account abuse by failing to dutifully act as a fiduciary of my escrow account via multiple erroneous account disbursements and failure to promptly help to rectify the balances.
Product: Mortgage

Am asking for help with my mortgage lender to modify our mortgage loan and offer me a trial payment an affordable plan by decreasing the over inflated loan balance which I didn't cause nor had fault doing. Am a veteran, XXXX war and this is a VA loan too, before pandemic it was with XXXX  now its Carrington and they are terrible and rude and telling us we dont qualify for anything but liquidation and denied again for the 4th times ( see attached denial dates XX/XX/2022 stating we didnt make enough money when we actually do qualify but denied me again saying lender has no options and they are not obligated to offer us modification they keep contradicting their statements they even filed notice of trustee sale XXXX this year while we was in modification process and had a sale date on our home for XX/XX/XXXX at first then they now change it to XX/XX/2022. They denied me all the time regardless of what I given them which is everything they needed on time they want me to call them to tell them if we agree to liquidate our home, the only option they offered me all of them times ( see attached ) They said all options are denied no option what's so ever. The servicer is Carrington mortgage, and the beneficiary is XXXX XXXX XXXX XXXX XXXX XXXX foreign entity by XXXX XXXX which I dont understand how is the VA allowing them to be the deed holder? We want to keep our home we want to stay in it so please help me and my family
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are inaccurate and do not belong to me, per 15 USC 1681c-2 I demand that they be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

We are very upset this company is checking my credit every month and I think it is also sharing this information with other companies in the last XXXX years I checked my credit 8 times and they send me letters every month up to XXXX letters with a credit that I I 'm not asked and they call me at night
Product: Payday loan, title loan, or personal loan

I applied for a business loan for my company ( XXXX XXXX XXXXXXXX, XXXX ) in 2020 for the amount of {$60000.00}. I had to pay significant fee for this loan as well ~ {$8000.00}. 
This year I wanted to pay it off so I called the loan servicing company - XXXX XXXX to get the Pay-off quote. 
When the documents were sent to me they quoted a pay-off quote of about {$100000.00} with the original loan amount of {$120000.00}. 
I called BHG XXXX, XXXX to question this and they denied that I have to pay this amount and quoted me {$61000.00}. 

I am complaining because I did not give BHG XXXX, XXXX any authorization to get additional loan on my name ( my company 's name ). This is fraud. 
I have been approached by them to re-finance my loan this year but I have declined since I do not want more loan. 

Please advise on how to resolve this and protect my credit. 

Thank you. 

XXXX XXXX XXXX
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX. 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 an 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: Credit card

I got an Aspire card, issued by the XXXX XXXX XXXX  in XXXX of XXXX. I have paid for credit protection for over XXXX  years, roughly XXXX  XXXX! XXXX. I lost my job in XXXX and filed a claim on XX/XX/XXXX. I submitted the requested documents through the mail. They never told me they didn't get them, so when I got another past due bill at the at the end of XXXX, I called them and was told they never recieved them. It would have been nice for them to tell me, but ok, I resent the paperwork electronically on XX/XX/XXXX. After hearing nothing again, I contacted them again. They told me the paperwork was not acceptable, because it was hand written. Again, this is after I chased them down. So I submitted additional documents that were official, from the XXXX  XXXX. In the meantime, they cancelled the credit protection plan because the bill was past due. I call Aspire, they say call XXXX XXXX. I call XXXX XXXX, they tell me call Aspire. I have paid approximately {$460.00} for nothing but stress and aggravation, and multiple calls, emails, and texts with demands for payment.
Product: Credit reporting or other personal consumer reports

XX/XX/, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

According to 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

On XXXX XXXX, 2025, a small team of young engineers from XXXX XXXX Department of Government Efficiency ( DOGE ) entered the Department of Education ( DOE ) and gained access to millions of peoples student loan information, including social security and data on parents and spouses. This was carried out with no authorization from me whose data was being accessed.
Product: Checking or savings account

I did a mobile deposit with XXXX XXXX  Bank on XX/XX/XXXX they cashed the check on XXXX the XXXX and restricted my account and said they're doing an investigation today is XX/XX/XXXX and they have me no resolution yet and they deny me access to my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter with dispute attached along with it this act was opened XX/XX/2018 this is not my account nor did I give any one permission to open account
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  scenario, In XXXX of last year i received a pre approval on XXXX for the credit cart I applied and they approved me for XXXX The card was never received nor activated They confirmed over the phone that the account was past due but saw it was never activated or used. The only charge was a {$34.00} fee from them directly. 

The rep confirmed the card was not activated and waved the {$34.00} fee. 

Following waving the fee he asked me if ide like the card sent or close the account. I asked him to please close the account I dont need the credit card I just dont want my credit being affected for a card I never received, activated, or used. 

He closed the account for me.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to the file this dispute. I also constitutes a FEDERAL CRIMINAL VIOLATION punishable as perjury under 18 U.S.C 1001. Additionally, these misstatement are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian in regards to an account listed on my credit report requesting validation that this debt is in fact mine. Experian claims to have validated this account on several instances, but did not send me proof of how they validated this alleged debt or who validated this debt as requested. Below is listed the days I sent letters to Experian seeking proof of this debt : Experian XX/XX/2020, XX/XX/2020 and XX/XX/2020. Experian continuously violates FCRA laws by not properly validating this alleged debt and refuse to remedy this account. 


The account number is XXXX ( {$270.00} )
Product: Debt collection

Theyve called from various numbers once a day for the last about XXXX weeks, largely while Im at work as a XXXX XXXX 

Chase completely screwed me when I was waiting to start work XXXX with the IRS barely making bills and decided to without telling me send the amount of my credit card ( {$3200.00} ) PLUS any interest ( to a total of about $ XXXX ) effectively tanking my credit and setting me back on progress I was finally making having gotten to start work. Now I dont qualify for any housing grants, rentals, etc. All because of them. 

Now the debt collectors are calling me relentlessly over a bill I not only cant afford but frankly WILL NOT PAY knowing they already wrecked my credit for the next AT LEAST XXXX years. Chase threatened to sue and in turn so did XXXX XXXX among their other disgusting behavior and harassment. 

XXXX a XXXX individual who JUST got to finally catch up on their bills and find a career and Chase Bank along with XXXX XXXX are doing everything they can to prohibit me from any normal/decent quality of life.
Product: Checking or savings account

Capital one has my direct deposit from my employer. Today XX/XX/year> is my pay day and {$1200.00} of my money is being held from me. I have contacted capital one numerous times today and keep getting the run around. I am a XXXX  mother of XXXX boys- I HAVE NO FOOD IN THIS HOUSE MY RENT IS DUE AND MY HARD EARNED MONEY IS BEING HELD FROM ME AND NO EXPLAINATION IS GIVEN. This is apparently the case with all capital one customers who were expecting thier paycheck yesterday and today. PLEASE HELP US.
Product: Credit reporting or other personal consumer reports

I feel I have been a victim of Several Data Breaches resulting in possible Identity Theft. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report are in error, do not relate to any account or transactions that I have made or have applied for. Several Inquiries have occurred as well, all which have hurt my credit score I value.
Product: Money transfer, virtual currency, or money service

Iam writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

on XXXX/XXXX/XXXX my mortgage company received my XXXX/XXXX/XXXX mortgage payment. They reversed the payment and applied to the principal because as they explained I could not be ahead due to my bankruptcy. They never notified me of their actions. I continued to pay every month. At the end of XXXX when my bankruptcy was over I get this call asking for the XXXX XXXX payment which I had just paid. As we argued the gentleman stated I had bounced my payment for XXXX/XXXX/XXXX. After investigating the matter they found they had not serviced the account correctly however they refused to correct their error. I was not ahead I was on time. I have been charged late fees which they collected from the extra amount I was sending to apply to the principal. Instead of reversing the payment that they applied incorrectly and making current, they now are offering to accept a short sale or I can sign my house to them in lieu of foreclosure. The bank in question is Select Portfolio.
Product: Prepaid card

I had setup recurring loads ( {$25.00} ) on my Amex Serve card from my Checking Account through the linked Debit Card. Basically with the idea of saving few bucks everyday. 
I also had a Direct Deposit ( part from my pay check ) getting credited to this account twice a month. 

I also used this for few purchases once in a while and I used this card primarily for Emergency fund and had around {$5000.00} + left in my account. 

And one day ( on XX/XX/XXXX ) i got an email with a subject " Termination Of Funds Loading Capabilities on Your Serve ( R ) Account ''. 

I have no idea what is the issue here. And as the subject says i am not able to load any more funds on my account. 

I was scared there was some issue with then bank and withdrew all the left over money to my bank account. 

They have mentioned that they have " observed unusual usage patterns ''. 

What is unusual here? Loading Money from my bank account? 
or using this as Emergency Fund Account? 

I just need to know the real reason.
Product: Credit reporting

There are several issues 1. I could n't get my free credit report because I do n't have Social Security Number. 

2. I 'm keep receiving " prescreened '' offers from lots of companies and I want to stop receiving " prescreened '' offers of credit from companies for 5 years but could n't do that because I do n't have Social Security Number. 

3. The name on prescreened offers is slightly different from my name. I guess the information in the credit report is wrong but I ca n't check it because I could n't get my credit report. 

4. I received a phone-call from a debt collector that I have a bad debt which I do n't know. 

The information that federated law ( debt collector ) told me : I have a bad debt for consumer credit card from XXXX which I did n't pay since XXXX. 

Fact : I entered XXXX at XXXX. Before XXXX, for XXXX years, I 've never lived in XXXX. So I did n't and could n't have XXXX credit card. I also checked from XXXX that there is no such record that I owned account before XXXX in XXXX. 

I appealed this to the debt collector and they sent me a letter and ID theft affidavit. The name on the envelope and the letter were same as prescreened offers, which is slightly different from mine. I doubt the " debt collector '' might be scam but the name on the envelope gives me a sense that my credit report might be wrong. 

5. For the reason I described above, I want to place a fraud alert on my credit report but I could n't because I do n't have Social Security Number.
Product: Debt collection

PRA purchased a credit card debt from XXXX XXXX. I have requested verification of the debt four times since XX/XX/2020 and all I keep receiving are credit card statements. They have yet to provide any document bearing my signature that in anyway indicates or proves that this debt belongs to me.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX  XXXX  and I do not have a contract with ARS plus they did not provide me with the original application like I asked. 
Account No : XXXX Amount Disputed : {$1000.00}
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns, regarding Zelle handling of disputes particularly in light of the recent CFPB Lawsuit, highlighting significant issues with the platform. Dispute using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible, and that tracking these transaction was unfeasible. The CFPBs Findings indicate that Zelle has not only neglected to protect consumers that has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Comenity Bank in regards to 2 Inquiries made on XX/XX/XXXX & XX/XX/XXXX & was advise they do not show in their system. However I contacted the Credit Bureau XXXX who shows inquiries on my report & XXXX advise Commenity must send them a letter to have the inquiries removed. I have several accts with Commenity and those are fine, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX .... there are 2 Inquiries that was not authorized on the dates I provided please research and have remove
Product: Credit reporting or other personal consumer reports

WELLS FARGO AUTO Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment {$45000.00} as of XX/XX/XXXX Monthly payment - Original balance {$63000.00} Highest balance - Terms XXXX  Months Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Credit reporting

Issue started with an incorrect filing on my Experian credit report. The verbiage was incorrect based on when the filing of my bankruptcy was declared from the courts. The original filing of my bankruptcy was XX/XX/XXXX. The credit report was showing for the line item from XXXX XXXX XXXX as XX/XX/XXXX. I supplied documentation showing the filing date of my bankruptcy from the courts and the paper work for when it was paid off. Experian came back and said after their investigation that this was a late payment and will be treated as such. Mind you, every other institution complied with the bankruptcy term and came off my credit report except XXXX XXXX XXXX. After receiving this dispute letter from Experian, I immediately called my Lawyer and my Credit Protection company to validate my concerns before contacting the FTC. The issue is that the XXXX XXXX XXXX has the incorrect date reported for filing of the bankruptcy and Experian did not dig deeper to investigate the real issue. At this point, Experian is stating that I have 5 more years before it comes off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an investigation done on my credit report. I found out that this collection company and the original does n't belong on my credit report. Now, that I found this out I would like to have this collection removed. Just as well as remove the  XXXX   XXXX   XXXX  account  XXXX . I am going to provide the removal letter as well for my records. Also, I provide my credit report with the  XXXX  account on my report as well.