23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I called Round Point Mortgage on a few months ago on XX/XX/XXXX to make a payment over the phone. The lady asked if I 'd like to set up automatic payments for the future. I asked her ... to make sure ... that it would NOT auto draft a separate payment that same month out of my account. She said no- ( seems like a silly question but this is exactly what happened ) on XX/XX/XXXX my monthly mortgage was drafted out of my account again. 
I was devastated because this was right before XXXX. Not only did this drain my account but now it was going to make me financial unstable during the holiday season along with other bills I had to pay. I called Round Point back to file a complaint and to ask them why this happened. They proceeded to tell me it 's because I set up auto payments but in reality ... I even asked to make sure it would NOT be taken out a second time. I stayed calm as they told me they would send me a check in 2-3 business day and followed the correct procedure by providing them with bank statements to show the withdraw. A few days passed and I never received a check. I called back round point for them to tell me " Oh, I 'm sorry they meant to tell you 5-7 days '' - ok wow. Whatever ... so I waited a few days. I called back again after I did not receive a check. Then someone said " Oh, well I am sorry they should have told you 10 days '' ... wow, now I 'm getting angry. I waited a few more days - I never received a check. I then called back to ask if they could please cancel this check and send me a new one since this one was apparently lost in the mail or never made it to my address. I called back and asked for this issue to be escalated- they told it would take another 10 days before I got my check. This time I asked for it to go to a different address ( my boyfriends house - in case something was messed up with the mail or that address ) I called after another 10 days ... .they still told me to wait. I explained to them numerous times this was a huge burden on me - and this was Round Points fault in the first place - they were welcome to listen to the call if they 'd like. I have been patient enough- I called them to threaten a complaint with the CFPB and " now '' they said they would send me a check in the mail over night .... I am done playing their games. I need this money to pay my bills. I 've been so stressed about bills and was not able to afford to get my family what I wanted because I refuse to miss a payment on any bills ( and I 've never missed a payment ) just to prove a point. At this point this complaint it necessary and this issue needs to be investigated. This could be happening to more people than just me- I know how stressed and frustrated I have been because it is now XX/XX/XXXX and I still have yet to get my {$1300.00} back into my account. I 'm furious and never get the customer service I deserve with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice the following inquiries on my report. I did not initiate. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing  XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers XXXX XXXX XX/XX/XXXX XXXX XXXX FINANCE Credit Cards Issued by Finance Companies XX/XX/XXXX XXXX XXXX XXXX Personal Loan Companies XX/XX/XXXX XXXX XXXXXXXX XXXX  XXXX - XX/XX/XXXX Equifax XXXX XXXX  Credit Cards XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX EQUIFAX XXXX XXXXXXXX Mortgage XXXX XX/XX/XXXX XXXX EQUIFAX XXXX Credit Bureaus/Mortgage XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX MORTGAGE Mortgage Companies - Finance XX/XX/XXXX XXXX XXXXXXXX XXXX Mortgage Companies - Credit Union XX/XX/XXXX XXXX XXXX XXXX XXXX  Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Credit Bureau Inquiries XX/XX/XXXX XXXX XXXX XXXX Sales Financing XX/XX/XXXX XXXX XXXX XXXX Mortgage Companies XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  Mortgage Companies - Credit Union XX/XX/XXXX XXXX XXXX XXXX Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Mortgage Companies XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Bureaus/Mortgage Processing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, New XX/XX/XXXX XXXX
Product: Payday loan, title loan, or personal loan

In XXXX I called upgrade to change my payment date from the XXXX of each month to the XXXX. The representative I spoke to offered a Covid 19 forebarance plan where I would pay only the interest. No documents were sent showing the transaction, I was told the principal amount would be tagged to the back of the loan. Understood. Upgrade automatically debits my account, it was to be a three month interest only  process. Yet in XXXX they again withdrew only the interest amount. In XXXX I recieved a notification that my credit score had dropped. When I checked my credit Upgrade had reported me rolling XXXX from XXXX until XXXX, with a current and full XXXX payment which they withdrew as agreed. I immidiately contacted Upgrade and they corrected the three months, but have yet to correct XXXX, stating that I should how contacted them for an additional payment. I asked them to please provide the document where I acknowledged that if they dropped the ball, I would manually log in and make an additional payment. Of course there is no such document. 

We are now in mid XXXX and it has not been rectified.My score dropped 45 points, upgrade markets themselves as credit help. Which in my opinion makes this fraud.
Product: Credit reporting or other personal consumer reports

Unauthorized Hard Inquiries : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX ( 2 Year Term Ended ) XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

My TransUnion credit score went down XXXX points as reported by XXXX XXXX. I wanted to verify it by logging into my TransUnion account but got an error saying Sorry unexpected error so I called them and was transferred to a chat. The XXXX on the chat told me to reset my password which didnt work. I asked why the score went down and how I could submit a consumer statement and I was told I would have to pay for that which could be done by logging into my account which I cant login into. I was asked how I knew the score went down and I told him XXXX XXXX. He said that its possible that was incorrect and would have to login to my account w

hich Im unable to. Several problems here. I should not have to pay to add a consumer statement and verify my score. Also, are they saying XXXX XXXX is providing incorrect information to consumers?
Product: Credit card or prepaid card

Today, I got an alert from a credit monitoring service that the balance on a card went up, which is not too unusual as usage fluctuates on all my open cards obviously. This notification stuck out as it was for Barclays and I have no open accounts with them. 

I had the apple financing card through Barclays since XXXX, which was a XXXX XXXX. This was then converted into the Barclays view mastercard after XXXX cut ties with them a couple years ago. I closed the view card in XXXX of XXXX. 

I log into my online account and see a XXXX charge from XXXX on XX/XX/XXXX, I now had a statement and a payment due on an account I closed and paid in full. 

I call Barclays and tell them this is not legitimate and ask why on earth they let a charge go through XXXX XXXX  after the account was closed. They then tell me this charge was not only on the closed account, but it was on the XXXX XXXX number ( back before they moved me to the mastercard ). They can not answer why their system is set up to accept charges on closed accounts. They issued me a provisional credit while they " investigate '' the fraud claim. 

Barclays let a charge go through on a closed account ( not recently either ) from an old card number ( and different network entirely ) when I had " XXXX '' available credit ( according to their automated system. My credit reports also show this account is open again and has a balance, neither of which should have happened. 

I can not provide the CFPB with the account number as it has been closed XXXX years and I no longer have the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have numerous credit inquiries that are not mine as well as a couple credit accounts opened that are not mine or that I applied for. I have disputed these and no one wants to remove the fraudulent items. I will list each one seperately for each credit bureau. 

XXXX Not my Inquiries XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I filed dispute XXXX XXXX via email to XXXX against XXXX XXXX {$510.00} XXXX unauthorized various other. 
Chimes to date refused provisional credit refused to issue charge back kept denying delaying my dispute. 

They have lied misled me made excuses after excuses violated the laws under fair credit act as well. 

I want my card which they in fact replaced to be reimbursed full amounts. 
Faulted to show proof failed to let me arbitrate.
Product: Credit reporting or other personal consumer reports

have filed a report to address the incorrect information sent to my email by the credit bureau. I am submitting a formal dispute for an error I identified on my credit card statement. Unfortunately, my request for further investigation has not received the attention it deserves. I would appreciate your immediate attention and a confirmation receipt for my records
Product: Credit reporting, credit repair services, or other personal consumer reports

I was added as an authorized user on my wife 's XXXX XXXX credit card roughly four months ago, I noticed XX/XX/XXXXand XX/XX/XXXX updated my reports immediately to reflect the accurate information, by doing this my score and improved drastically. I have been waiting for Experian to update and when I noticed they have never updated this information I called them on XX/XX/XXXX to address this issue, I was told they could not add this account because it would negatively impact my credit file due to 2 late  payments in XXXX. My wife is unaware of any late payments and according to XXXX and XXXX payment history is great! I requested this account to be added and the representative stated they could not do it. This is causing about a 100 point difference in my scores everything else matches up except this.
Product: Mortgage

The reason for my complaint are based on a number of factors. First and foremost, we encountered a hardship which lead to our loan falling behind. As a result, I reached out to my servicer Mr. Cooper in XX/XX/2019to explore all retention options available in effort to avoid foreclosure such as a repayment plan, modification, or any other home retention program. I was advised that they would open a "Workstation" and submit a package to me for consideration and to wait for the package to arrive.On XX/XX/2019, I called back and spoke with an associate by the name of XXXX which advised me that my loan was denied for the Flex Modification on XX/XX/2019. She was unable to provide an explanation. Furthermore,I questioned how was this possible if I never received the Loss Mitigation Package nor was any information supplied. XXXX was unable to answer my question. She advised me that a denial letter had not been generated and to allow 7-10 business day to receive and that there would be detailed information pertaining to the denial. We never received this letter. In speaking with a friend, I was advised that I had a "Right to Appeal" and that I had 30 days from the date of the denial letter (Never received) to appeal. From the date of denial provided verbally on XX/XX/2019 through XX/XX/2019 and after several attempts to acquire the denial letter, one never came. As a result, e-mail communication was sent to my case worker onXX/XX/2019 formally providing a "Written Appeal". I called back on XX/XX/2019 and was able to confirm that the appeal was received and was being reviewed by the assigned associate.XX/XX/XXXX, I was advised that my modification was denied and that I would receive a denial letter concerning why they were not able to offer a modification. That letter never came. I called back onXX/XX/2019 after not receiving the letter to determine if I was ever considered for a repayment option. I was advised no. Obviously this answer was concerning as I requested for consideration of all retention workout programs and that was not done. 

It is my belief based on what has occurred over the past several months that my loan was not adequately reviewed for all retention options. I am XXXX years old and I do not want to lose my home. Between the income my wife and I receive, we make sufficient income to prove that we have the financial ability to retain our home and all we want is an equal opportunity to be considered for a program that would allow us the opportunity to reinstate our mortgage through a repayment plan option. I currently have XXXX  toward the total arrears and all we need is a little more time to bring this loan to a current status. During this entire time, I have made multiple efforts to make payments on my mortgage however; Mr. Cooper refused all payments.
Product: Mortgage

Made a complaint previously and received documents from ocwen and upon reviewing them myself and with a lawyer, there a numerous mistakes that need to be corrected immediately! There a $ XXXX {$89.00} unnecessary fees applied/charged with ever payment made. On XXXX {$5600.00} in check form was " added '' to my principal as wel as that same amount being applied to interest and accusing a few of {$420.00}. Also, on XXXX, {$8800.00} was " added '' to my principal as well as {$2000.00} added to principal on that same date! On XXXX {$5000.00} was listed. I have numerous corporate advance adjustments that are unnecessary. Also according to my bank statements multiple payments that were paid on time were obviously held by company and then they credited them along with charging late fees. I have payments that were made by trustee during bankruptcy and the date he recorded paying is not what is documented by Litton and I also a cures late charges during both bankruptcies! Chapter XXXX in XXXX, and chapter XXXX in XXXX. I want these mistakes corrected immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX that was paid and I did notice they report it as unpaid and, that is damaging my credit profile. a payment of {$1300.00} was made on XX/XX/2015 and was posted, see screenshots and PDF of Account Statements from XXXX attached, by acting this way, XXXX is in violation of the FDCPA ( Fair Debt Collection Practice Act0, the FCRA ( Fair Credit Reporting Act ), the Uniform Commercial Code ( UCC ) and the USC ( United States Codes Title 18 sec 8. XXXX did received payment and still report the account as DELINQUENT.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of disputed information. Specifically, FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer, the agency shall reinvestigate free of charge 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.
Product: Credit card

A month ago my husband XXXX XXXX and I became victims of an outrageous scam. It all started with a phone call from someone who introduced himself as an " IRS agent ''. He said we had some outstanding tax charges ( we did not! ) and he was very aggressive on the phone. He gave my husband a really hard time basically saying that if we do n't pay immediately, my husband will be arrested. All of this continued for 2 days while those " agents '' kept my husband on the line non-stop, not giving him a chance to think clearly. He was drawn into a state of causeless fear, and so did I. We withdrew our savings, used credit cards and borrowed from other people. It was a disaster. All of the money was sent via XXXX gift cards. We filed a police report at our local police station, but the police officer told us it will be really hard to recover anything of what we 've lost. 

One of the credit cards my husband was tricked by those criminals into using was his Discover credit card that literally had XXXX outstanding balance before that scam happened. And then in a single day it got maxed out, thanks to those crooks. We are both devastated. There is an official police report that proves that it got maxed out because of the scam. It was due to a CRIMINAL ACTION. We DID NOT spend that money on life 's pleasures. My husband talked to Discover customer service reps a couple times and they keep saying it is our responsibility now to pay out the card. Really??? Please help us resolve this. We feel hopeless and the whole situation is very depressing.
Product: Credit card

On XX/XX/year>, I received email notifications from a vendor, " XXXX XXXX' that an account was made with my email. Immediately following that account creation, my Chase Southwest credit card was used to make separate purchases for tickets, one for {$580.00} and one for {$420.00}. Immediately upon seeing this charges, I called Chase 's Fraud helpline to let them know it was not me using the card, and request my card number be closed/new credit card issued. I was told NOT to open any of the emails. Chase removed the charges and sent me a new credit card. For the avoidance of doubt, I have never done business of any kind with " XXXX '' at any point. 

On XX/XX/year>, I received a notification from Chase that the investigation was " complete '' and the charges were reinstated because I " received benefit '' from the transaction. I immediately called the Chase Fraud Department to have this decision overturned as these charges were not made by me. I was also told to contact the vendor to dispute, which I asserted should be the job of my Fraud Protection team. Chase agreed to re-open the review and provide an updated response within 4 business days. I was told to call back after 4 business days to be updated if I had not heard from them. 

On XX/XX/XXXX, I called Chase again to inquire about the status of removing the charges. This time, I was told that the decision would stand because there was no " supportive documentation '' from me of the fraud. I was never previously requested to submit any sort of documentation, and I do not know what documentation would be helpful as I have never had any contact with the vendor ( despite my email / credit card being used fraudulently for the two transactions ). I was again told that the case would be re-opened. I requested to speak with a Fraud Analyst and provided by number. Minutes after the call, I missed a call from Chase 's generic number. No voicemail was left. I called back and got a generic menu, so I called the Fraud Department directly to see if someone had tried to reach me. I was told that the Analyst was not available to speak and someone would contact me in the next 4 business days. I never received a follow-up call. 

On XX/XX/XXXX, I once again called Chase and received the same message : the decision would stand because they had no documentation of fraud. I asked why I had not been contacted by Chase and they said that a Fraud Analyst tried to reach me and " reached my voicemail ''. Again, no missed calls after XX/XX/XXXX and no voicemails. I was told once again that this case would be " escalated '' and re-opened for evaluation. 

I have continued to request the removal of these charges and continue to receive NO follow up from Chase regarding their Fraud investigation. Since the initial XX/XX/XXXX letter informing me of the re-instatement of the charges, I have received no correspondence from Chase. I am demanding the total of the two charges, {$1000.00}, be removed from my account immediately.