23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband and I have an negative escrow balance of {$9500.00} and an escrow shortage of {$13000.00} with Homebridge Financial Services. Our mortgage continued to increase from {$1100.00} to {$1600.00}.

In XX/XX/XXXX, because of the constant increase in payments, with Homebridge, a loan office by the name of Ms. XXXX XXXX told me about tax deferments, and how they worked. 

Ms. XXXX contacted her XXXX, Ms. XXXX XXXX, who needed something in writing from our XXXX Co XXXX XXXX to this effect ; We got the written communication from the tax assessor and Ms. XXXX gave the go ahead with the deferment. 

Homebridge honored the tax deferment from XXXX to XXXX. During this time, we thought the taxes were being deferred and not considered delinquent. Unbeknownst to us, HomeBridge was advancing funds to cover the taxes. 

We have been in constant communications with Homebridge via email, phone, and certified mailings regarding the situation. We have spoke with Mr. XXXX XXXX out of the XXXX, TX Office on XX/XX/XXXX and several occasions afterwards. 

There have been several communications w/ Ms. XXXX XXXX XXXX VP of Customer Serv. on several occasions via phone, email, phone calls ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), certified letters sent to Mr. XXXX XXXX, XXXX, Mr. XXXX XXXX, XXXX both on XX/XX/XXXX ; I spoke with Mr. XXXX XXXX, VP on XX/XX/XXXX, all in vain. 

Homebridge sent a certified letter addressed XX/XX/XXXX from Ms. XXXX basically telling me there was nothing to be done to assist w/ our situation. 

Our homeowners ins expires on XX/XX/XXXX ; We changed ins companies and paid the insurance in full for the year. Homebridge in the meantime paid the ins up front a moth in advance, which will increase the mortgage, again. We paid it ourselves to hopefully decrease the mortgage. Now, ins has been paid twice! 

My husband is a XXXX, both of us are senior citizens, on or about to be on XXXX, and on a set income. We are struggling to meet the new increase. We negotiate monthly between buying our medications and making the unaffordable mortgage payment. 


See attachments : We need CFPB 's help!
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 Finacial Protection Act ( XXXX ). 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 process was unfair and deceptive, as they did not comply with error resolution resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and regulation E. These action have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

On XX/XX/XXXX I sent {$360.00} to my girlfriend for rent & other expenses, on XXXX It was linked to her USAA account, which had recently been closed I contacted my bank, XXXX to try to reverse the payment and they said they could not Then we contacted USAA and they are unable to locate the funds and return it. 
We did 2 cases with them and both times we just waited 2 weeks for them to say they couldnt help us, when the {$360.00} was processed and sent to a USAA account under my girlfriends name, XXXX XXXX Im really trying to get these funds back and USAA has been no help to us.
Product: Checking or savings account

I am requesting an immediate dispute of unauthorized charges made by Carvana on my account.

Merchant Name : Carvana LLc Transaction Date : XXXX XXXX Transaction Amount : {$3900.00} Reason for Dispute : Unauthorized charge for a non-refundable fee and full payment for a canceled order that was not processed with my consent. Carvana canceled my order without contacting me or attempting to resolve the issue. I did not authorize these specific charges, and I have already requested a refund from the merchant. 

I kindly ask that a chargeback or dispute process on my behalf and reverse these charges. 
Thank you
Product: Checking or savings account

I was called by a Wells Fargo phone number to verify charges against my account. I was sent a text with a secure number to verify my identity and discovered the call was a scam. My checking account was charged for a wire transfer online for {$24000.00}. 
I called WF immediately and reported the scam. They took my report and told me I would be reimbursed because it was a case of fraud. 
I got a letter in a few days advising me that because I had initiated the wire transfer they would not reimburse me the {$24000.00}. 

I did not initiate the transfer, I was scammed initially and reported it immediately as a scam and fraud. 

I am XXXX XXXX XXXX, and I believe there are protections in place for fraud against a senior citizen and that Wells Fargo did not do a thorough investigation to try to recoup my money.
Product: Credit reporting or other personal consumer reports

sent in request to transunion to validate debt and remove inaccuracies off reports
Product: Debt collection

Approximately two years ago I received a phone call from a representative of XXXX inviting me to switch back to their service. I informed the representative that I like XXXX but I would be moving to a house that is wired for XXXX. I asked if they bundled with XXXX because I did not want to enter a contract that I would not be able to fulfill. My intention was to stay with their service as part of a bundle once I had moved. I was informed more than once and reassured That it was not a problem. When I got to the new house, I told XXXX that I wanted to have XXXX as my television service. I was informed that I would need to do this separately because it could not be included with the XXXX   service. I contacted XXXX to tell them that I would not be able to continue their service. I reminded the person who answered for the company that I had been told that there would be no penalty if I could not continue. 
There has apparently been no effort by the company to listen to the original cold call that I received from their employee Instead they have continued to harass me and insist that I give them almost {$300.00}. This amount was changed to just under {$200.00} today by a credit company that was hired by XXXX to collect a debt. The representative of the credit company told me that I would have no further problems with this debt if I paid that amount today. Even though it felt like extortion, in order to keep my credit Report good, I offered to give them {$100.00} as charity. I was told that there was no possibility of negotiating even one penny below the amount they were able to offer me. They said they were only trying to help me. I can not for the life of me understand how they were helping me unless it was a veiled threat to damage my credit. I always paid my bills to XXXX. This amount they are looking for is not connected in anyway to any service they were providing me. Please have XXXX stop this harassement. If the company insists on an amount for them to stop, I have a offered {$100.00}. It is substantially more than I should be giving a corporation from my retirement income.
Product: Checking or savings account

On XXXX ( afternoon approximately XXXX ) I went to XXXX and XXXX to do grocery. checked my bank before I use it and there is fund. The next day at XXXX I received notification that i have - {$18.00} from my husbands purchase few days ago that was only billed unexpectedly with {$9.00} each, so I immediately transfer funds to cover my -balance after i transfer it says on my account that i have paid the negative balance then after XXXX i received again a notification that my balance is negative again and been charged with {$70.00} overdraft fee which I believed is ridiculous. Ive been charged of overdraft fee multiple times in the past.they have this policy that negative balance that was not paid after XXXX will be charged overdraft fee {$35.00} each transaction the next day. so If you received your bill @ XXXX ; XXXX you will not be able to cover your negative balance and automatic charged with overdraft fee which is unfair because its not enough time to cover your negative balance in 1 min. I think it will be much better to give at least 24 hours from the time it was billed before they charge the overdraft fee.I send a complaint to FDIC which was forwarded to CFPB and XXXX I received email that the result of investigation was sent to my mail, It was written there that my case was resolved and not gon na waive my overdraft fee and was paid 25 % which is not okay.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some hard inquiries on my credit report that I don't recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Common Wealth Financial Systems located at XXXX XXXX XXXX, XXXX XXXX PA XXXX contacted me via mail and ongoing annoying phone calls past XXXX and early in the mornings, before ( XXXX ) to harass, annoy, and abuse me about a debt that is not valid.
Product: Checking or savings account

I tried to make a deposit of {$500.00} at an ATM of the XXXX XXXX  and the operation could not be carried out effectively and I have the tickets that prove what happened. The biggest problem is that since my account belongs to chase and not XXXX, they don't help me because they say they don't have access to that ATM and they don't contact XXXX either. XXXX doesn't help me either since it says that chase has to claim and they can't talk to me directly because I'm not a XXXX  client.
Product: Payday loan, title loan, or personal loan

Did not receive proper notification of collection. No phone call or mail the item just went straight to collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft for several years and its a constant battle keeping negative information and inaccuracies at bay! I informed XXXX, XXXX And Experian as well as the FTC ON NUMEROUS OCCASIONS, that I Wanted an Extended Fraud Alert placed on my File. Experian Has complied and processed some of my Disputes However, Experian, XXXX and XXXX hasnt been so compliant to my disputes. All three Bureaus have disregarded the police reports Ive sent to them, The FTC Victim Affidavits and statements. I filed numerous disputes with XXXX and XXXX regarding inquiries. Any inquiry that isnt Attached to an account I did not authorize. The only Inquiry Made by me was with XXXX XXXX XXXX XXXX In XXXX of 2021. Ive tried maintaining Freezes but somehow the fraudster steal weasels around it. Ive placed in my statements to not extend Credit or check Credit without verification of my identification. To ask for multiple forms of identification by Mail or Fax or In person only. My wishes for that hasnt been Met. XXXX has denied all of my dispute claims against the numerous Inquiries that has been made to my XXXX Report : Experian Has denied the dispute Regarding the XXXX Account which was included in a police report, Ftc Statment and fraud Affidavit Ive sent them numerous times. They have violated FCRA 605B ( 15 U.S.C. 1681c-2 ). I have requested to have the negative FRAUDULENT Data Blocked, furnished all three bureaus ( XXXX, XXXX, and Experian ) the proper Documentation I.e. Police Reports, FTC Statements, identity theft victim reports and statements. Due to these bureaus not correcting Certain discrepancies and fraudulent activities, Ive been Denied Access to certain Financial Products, Fair Housing opportunities, Certain Utilities, Fair Lending opportunities, Equal Employment opportunities, Business Ownership And Expansion opportunities, Life/Auto/home & Renters insurance . I Feel that another Class action should be en motion because Im certain Im not the only U.S. consumer being subjected to these Adversities Due to the CRA ( Credit reporting Agencies ) ignorance, negligence, and disdain
Product: Credit reporting, credit repair services, or other personal consumer reports

1. " Credco '' has a hard pull on my credit report that I in no way authorized. I believe it is XXXX XXXX when they attempted to sell me an auto refinance loan that I told them I did NOT NEED nor want and they ran it anyway after I left the actual building. I believe they ran it to try to show me they could give me a better deal. Otherwise I have never heard of Credco, just that it is actually XXXX XXXX 2. XXXX XXXX keeps showing up as hard pulls to try to get me to sign up for one of their pre approved cards in the mail. This is unwanted and totally unsolicited. I throw these in the trash.
Product: Checking or savings account

XXXX XXXX XXXX  closed my account in XXXX ever since I try to get the outstanding balance which is USD XXXX without any success. whenever I call their hotline they transfer me around. their support agents claim they create a ticket and then cut me off when they dont know what to do with the case. today the XXXX of XXXX I spend another 2 hours on their hotline being transferred around. one agent says they mail a new check, next agent says the balance is XXXX and cant tell where the money went. completely disorganized scammers just telling you stories and transferring you around without never ever giving you access to your funds. I need the authorities to look into this!
Product: Credit reporting, credit repair services, 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 FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from 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 Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

For quite some time I've been disputing my credit reports with all 3 agencies. They are reporting information that is inaccurate and there are inconsistencies across all three credit bureaus. You will notice in the attached credit report dated XXXX it shows especially for Experian & XXXX that an account named XXXX is reporting as a write off and a balance due. It is satisfied and paid as a settlement in full. I've attached a copy of the precipe from the XXXX County Court dated XXXX. Only XXXX XXXX has updated correctly and is showing it as paid. Furthermore all negative accounts are showing inconsistent balances, last payment received is inconsistent, and balances are fluctuating across all three credit bureaus. I've witnessed all 3 credit bureaus saying that they have verified these accounts and the plain and simple fact is they haven't and this has been an ongoing issue to my credit file over the past several years. There are consumers currently in bankruptcy that are reporting better fico scores than what I'm receiving from Experian and XXXX it's frustrating and I don't have a public record! Please review the information I have attached. Please update or more importantly please delete the incorrect information as it meets the FCRA to delete. Attached you will find a letter from XXXX on XXXX but the same exact letter I received on XXXX stating they believe my dispute to be from a credit repair company and consider it to be frivolous. This has to stop. I sent them letters on my own to dispute and update/delete as required. This will be my last attempt prior to seeking outside counsel to review all of the inconsistencies and violations for the FCRA that has been violated in my name. I look forward to these companies doing the right thing. My social security number is being wrongly discriminated against due to the inaccurate information that is contained in these credit bureaus.
Product: Payday loan, title loan, personal loan, or advance loan

Paypal Credit hides the amount owed, their dashboard will show XXXX due even when the loan has balances about to accrue interest. They advertise the service as no-interest loans but hide the upcoming dues to trick users into believing they have more time to pay.
Product: Debt collection

Medicredit kept calling for an incorrectly billed balance from a doctors office who was supposed to fix it. I kept telling them the same thing over and over and evenutally asked them to cease and desist. They continued calling. I kept telling them i have asked them to cease and desist. the calls stopped for a while and then they called me again today at XXXX. I told them again to cease and desist. They promised me again today that they would, but usually i end up getting calls again. Ive asked them to cease and desist probably 4 times now.
Product: Vehicle loan or lease

I have asked for a statement with my rolling balance due on two occasions now. Audi Financial has not complied with my request. My loan payment is on time and paid monthly but I can't reconcile my payments with my balance due. 

I made payments in the months of XXXX, XXXX and XXXX of 2021 for a total payment of {$1900.00} ( {$630.00} per month ) However my statement balance on the vehicle only went down {$460.00} dollars. I am NOT familiar with this math, my interest rate is 5 % so my question is where did the {$1400.00} in payments go? If not to pay off my balance and or interest? How does AF come up with their numbers. 

When pushed for a response I received a " shell game '' response to the effect of... well if this, then that and it depends on if you request the payment to go the loan or the interest or the next payment or, or, or. NOT acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account that is incorrect on my credit report XXXX XXXX   XXXX XXXX this account was settled in Full with XXXX XXXX XXXX. This account was under dispute way before it was settled. I never received any verification or documentation for my review that they XXXX XXXX XXXX /XXXX XXXX XXXX even had the right person or the proper account!
Product: Credit card

XXXX XXXXXXXX XXXX refunded me XXXX to correct an issue on a purchase in which they over charged me as well as fail to provide me with all the items I purchased from them. Capital one reversed the credit and are telling me I am not due that credit. XXXX  XXXX XXXX denies reversing the charge, and says that the issue is with capital one, not them. Capital one will not correct this, and talks in circles with no valid explanation, and refuses to give me back the credit I was given from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Account # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, XXXX XXXX ACCOUNT # XXXX, and XXXX XXXX  ACCOUNT # XXXX has violated my rights. 


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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I went to the Mortgage broker to get pre-qualify to purchase a home. To my surprise I was denied. They said it was because of negative information on my credit report, which does not belong to me. I was confuse, after months of doing some in depth research with the help of some friends and family, It was clear that I was a victim of identity theft. I eventually went to ftc.gov and got instructions on how to dispute the negative information. I submitted my first id theft dispute along with detailed documentation as proof that I was a clear victim of Identity theft XX/XX/XXXX to Transunion. Transunion responded by deleting 1 of the 2 negative accounts that did not belong to me, they stated that after the investigation they have found that I was responsible for one the accounts which is XXXX XXXXXXXX XXXX. Thats it, no evidence or proof of their investigation.
Product: Payday loan, title loan, or personal loan

These people have called me five times today, two times in less than a hour.
Product: Credit reporting, credit repair services, or other personal consumer reports

its a medical bill and a XXXX  phone bill on my credit that don't belong to be they said they was working on the problem then said it was the right information on my account I need this moved asap I don't know what else to do I tried everything
Product: Credit reporting or other personal consumer reports

I have complained about identity theft on several different occasions. If you can provide the following, you must erase or block any things that were opened without my knowledge, authorization, or authority within four business days : ( 1 ) Appropriate identity documentation ; ( 2 ) a copy of an identity theft report ; ( 3 ) the customer 's identification of the pertinent data ; and ( 4 ) a customer declaration indicating that the data is unconnected to any transactions. 
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 XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX .
Product: Credit reporting or other personal consumer reports

This account was opened fraudulently and not by me. This is a violation of my right as a consumer. Also, this company violates 15 US Code 1692b. I am human. There is no 3rd party. 

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

Their were hard inquiries since XXXX to XXXX which I never gave permission.
Product: Credit card or prepaid card

XX/XX/2021 XXXX a.m. 

Aspire Credit ( XXXX XXXX XXXX ) XXXX XXXX I talked to a account specialist named XXXX that works for Aspire. I requested that my card be fit to use for XXXX pay. He told me I needed to send 2 forms of ID, I told him I didn't want to send my info to a random person in a department and didn't see the need to because I've been using the card, I've made numerous verifications and I'm the sole user of the card. Also, I initiated the request to add my card to XXXX pay ; so for my account to be suspended because I didn't want to send my own information shows abuse of authority by a low tier subordinate. I feel I'm being discriminated by aspire because of ethnicity. I'm always having to verify purchases ( usually my card will decline and I have to verify the charge over txt ... .and usually that takes a hour for the txt to come thru to my phone ). It very repetitive and it's not requested. 

Also XXXX is a low tier account specialist ; he shouldn't be allowed to make these type of decisions. His English is way too broken and seems very XXXX in how he structures and forms his words. I could barely understand him. 


XXXX also talked to reps over chat to explain my situation. One had disconnected our chat.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax security breach where all of my personal data was stolen. Social Security number, date of birth, driver 's license number, etc.
Product: Mortgage

Navy Federal h ired an incompetent  appraiser  and is failing to work with me in good faith.