23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My wife lodged the following complaint with the XXXX against RoundPoint Mortgage : " Constant issues with our escrow account. They 're raising our mortgage due because they not applying payments correctly. 
My husband and I had purchased our home in XXXX XXXX, SC in XXXX XXXX. After our closing, the mortgage was purchased by Roundpoint Mortgage. Since then we 've had a number of issues from them not paying our hazard insurance and sending our escrow money back in a {$700.00} check in XXXX XXXX and then sending a bill for the same amount after finding their error. We 've had numerous analysis done and have been given XXXX different mortgage payment amounts. We 've talked to several of their employees both in XXXX and here in XXXX. We were told not to pay our mortgage last month until the last analysis was completed which made us late. We just received another check from them for over {$1300.00}. After once again speaking to a representative, my husband was told to cash the check and send them back about {$100.00} to bring our monthly payment back down ... and we could keep the rest. He looked at what was in our escrow account, about {$110.00} when there should be well over {$1500.00} in there. '' The RoundPoint response to the complaint was inaccurate at best, misleading at worst. 
I 'd gladly send you their response along with our XXXX character rejection of their response. In summary, RoundPoint has mismanaged our account, served us poorly, and is, now, attempting to revise the history of our recent relationship through RoundPoint Assistant VP, XXXX XXXX XXXX 's response. I was proactive, did the legwork, performed the research, and endured and educated RoundPoint reps throughout this process. For these reasons, it 's with conviction and zero hesitation that I do not accept RoundPoint 's response to our XXXX complaint.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Checking or savings account

I made a deposit into Valley Bank and they have put my account on hold with no explanation. They are asking me to email personal documents to remove the hold.
Product: Debt collection

In XX/XX/XXXX three luxury cars were purchased without my consent, using my information as well as falsified documents. I reported the incident to the original lender and ( at personal expense ) had the vehicles that were purchased using my information returned to the dealership from which they were purchased on a flat bed truck. I explained the situation to the dealership owner and numerous staff members, none of whom assisted me. I filed a police report with the XXXX Police Department Economic Crimes Unit. I answered countless questions and spent hours on the phone talking to these banks daily. I have disputed these debts numerous times with all three credit bureaus and will continue to do so until the situation is resolved. 

One lender responded to the situation and forced the dealer to buy back the vehicle involved in their transaction, in XX/XX/XXXX 

At this point in time the lenders have recovered the two remaining cars and have sold them at auction. They and their collection agencies have been harassing me since XX/XX/XXXX. I have made every attempt within reason to cooperate with the lenders, but the fact remains that the lenders continue to make my life difficult. Not only has this incident ruined my credit, but I have spent countless hours on phone calls that happen, at all hours of the day. I have gotten calls as early as XXXX and as late as XXXX. The lenders ( XXXX XXXX XXXXXXXX XXXX   XXXX in particular ) have searched my XXXX  account, contacted me at work, spoken to my employees, and even to my clients. Not to be outdone, Ally Financial 's collection agency has not been any better. They recently somehow found out I was working as a XXXX at a local XXXX XXXX XXXX and called the store, asking one of  my employees, an XXXX year old girl, if she knew anything about the situation. I was SHOCKED. 

On my most recent conversation with Ally Financial 's collection agency, after being harassed for nearly two years, I explained my story once again, I explain the financial difficulty identity theft has put me through and I asked if, in the interest of putting this behind me and removing the stain from my credit report so that I could afford to go to graduate school, they would consider removing this debt from my name if I gave the the little money I did have saved as payment in full for the fraudulent debt, along with my tax returns, the police report information I filed, and bank account statements to validate my story to them. I was told that I would hear back from the representative the following day. I received a phone call from a man who claimed to be his manager about an hour later cursing at me and telling me that he was sure based upon the searches they had done about me online they believe I can and should afford to pay much more than that. He actually had the audacity to suggest that I would somehow go to jail for not paying them in full that day.
Product: Bank account or service

I had an account be closed in 2013 with a negative balance of {$150.00} and some change. They closed my account before I could bring it out of the red and they reported me to XXXX and XXXX with a " Suspected Fraud '' notation on both reports. I have attempted to dispute with XXXX and the " Suspected Fraud '' notation remained. I am being accused of committing fraud when that was clearly not the case. They can not prove that fraud was committed because it was n't
Product: Checking or savings account

From XX/XX/XXXX to XX/XX/2023, I was in a medically induced coma due to a severe accident. During this time, unauthorized transactions occurred on my Capital One account, which I discovered upon my release from the hospital on XX/XX/XXXX. The fraudulent transactions total approximately {$32000.00}, spanning several claim IDs ( listed below ). 

Upon discovering the unauthorized charges, I promptly contacted Capital One to dispute the transactions. Despite providing substantial evidence of my medical incapacitation, including hospital records, my dispute was denied. I have made multiple attempts to resolve this issue with Capital One, including sending a formal dispute letter and a follow-up letter, but my claims continue to be denied. 

Disputed Transactions : Claim ID : XXXX - Amount : {$2200.00} Claim ID : XXXX - Amount : {$1700.00} Claim ID : XXXX - Amount : {$3500.00} Claim ID : XXXX - Amount : {$3300.00} Claim ID : XXXX - Amount : {$8400.00} Claim ID : XXXX - Amount : {$2100.00} Claim ID : XXXX - Amount : {$4200.00} Claim ID : XXXX - Amount : {$3700.00} Claim ID : XXXX - Amount : {$2500.00} Actions Taken : XX/XX/2023 : XXXX fraudulent charges and contacted Capital One to report them. 
I Sent a formal dispute letter to Capital One outlining the unauthorized transactions and my medical condition during the time they occurred. 
SECONDLY : Sent a follow-up letter reiterating my situation and requesting a reopening of my fraud claims. 
Despite these efforts, Capital One has not provided a satisfactory resolution, and my financial situation has been severely impacted by these unauthorized transactions. I seek the CFPB 's assistance in obtaining a full refund of the disputed amounts and ensuring that Capital One conducts a thorough and fair investigation into my claims. 

Thank you for your assistance in this matter.
Product: Money transfer, virtual currency, or money service

Hello, my paypal account can not be linked to the bank and withdraw cash. I have contacted the PayPal customer service representative many times, but the problem has not been resolved. Please help me, thank you
Product: Credit reporting or other personal consumer reports

XXXX XXXX  reporting fraudulent activity on my account. I never had XXXX XXXX. I was a victim of identity theft and they are constantly reporting fraudulent activity. I asked for proof and they have yet to respond.
Product: Mortgage

We closed the escrow on the refinancing of our XXXX XXXX CA home in XX/XX/XXXX and our direct lender was XXXX XXXX. After we made first monthly mortgage payment of {$1800.00} in XX/XX/XXXX to XXXX XXXX, our home loan was quickly sold by XXXX XXXX to XXXX XXXX  XXXX which was servicing by Shellpoint mortgage servicing company. XXXX XXXX sent our first payment to Shellpoint in XX/XX/XXXX. We made the subsequent mortgage payments of {$1800.00} each to Shellpoint on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However, Shellpoint either claimed we never paid them on XX/XX/XXXX or they never received the first payment transferred from XXXX XXXX. After we got XXXX XXXX service dept rep on the phone line directly with Shellpoint, Shellpoint reps continued either claimed they had not received the payment from XXXX XXXX for which they were proved to already cash the check from XXXX XXXX or they could not verify they indeed received my three direct payments. After more than 15 phone calls with XXXX XXXX department along with multiple dropped calls, a ticket was open with Shellpoint supervisor note ( initial-XXXX  ) which in the end still did not resolve the issue. In the Shellpoint system it continued showing there was one principal balance missing. We absolutely have no confidence for any future payment or interactions with Shellpoint.
Product: Credit card

Merchant closed my account saying i had to many return payments because of auto pay which i never set up or signed up for i pay a minimum payment a few days before with a debit card not ach the merchant was no help
Product: Credit reporting or other personal consumer reports

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


XXXX XXXX XXXX - Incorrect Employers XXXX XXXX XXXX XXXX Incorrect Address XXXX XXXX XXXX - Incorrect Name XXXX XXXX XXXX - Incorrect Employers XXXX XXXX XXXX XXXX- Incorrect Employers XXXX XXXX XXXX XXXX Incorrect Address XXXX XXXX XXXX - Incorrect Name
Product: Checking or savings account

In my original complaint to Chime, I reported an authorized transaction made by a merchant I hadn't used in over a year, and stopped using once my trial ended. My chime balance was sitting at {$0.00} for months and unbeknownst to me, XXXX XXXX was still trying to charge my account despite not using them and cancelling my subscription. Once I discovered that XXXX XXXX had successfully overdrawn my account, that is when I decided to contact Chime. I explained that I did not have an overdraft feature on my account, so I'm confused how this transaction was even allowed to go through. The person I spoke to at the time agreed. They opened my dispute for me, the merchant was supposedly blocked, and my money was refunded within a few days. This happened several more times with this same merchant, each time I was promised that the merchant would be blocked. I found out months later that I have consistently had this problem with Chime and the merchant since XXXX XXXX Chime is unable to secure my account and Chime allows blocked merchants to steal money from their customers. How is it possible for a transaction to decline 14 times then be approved on the 15th despite being blocked and the account have XXXX dollars? This is not ok, and despite discussing this over the phone with customer service, my dispute was ignored and declined. I have included all the screenshots required to make a fair decision. I need to know how my first dispute was accepted but the second one, that was unauthorized in the same manner as the first one, from the exact same merchant, was proven to be accurate and a legitimate transaction??? Please look at the screenshots attached for further context.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! This is for the XXXX XXXX XXXX XXXX Credit Card that shows up on my credit report. This account belongs to my ex. I called XXXX XXXX XXXX XXXX and they have taken me off the account but it is still showing up on the credit report and I would like it removed. 
Thank you! 
XXXX
Product: Credit card

I am writing to formally express my dissatisfaction with the service I have received concerning my British Airways Visa credit card. I have been a loyal customer for several years, consistently making payments and managing my account responsibly. However, I am currently facing significant challenges that I feel have not been adequately addressed by your team. 

Due to my commitments in XXXX XXXX, I have recently been unable to pay my credit card balance, which has made it difficult to manage my finances effectively. The high interest rate exacerbates this situation, making it even more challenging. Additionally, I am frustrated to report that I am unable to redeem any of my points, making it feel like the rewards system is ineffective. Given these issues, I feel that this credit card is more of a scam than a beneficial product, and I am unclear about the connection between this card and XXXX, which raises further concerns for me. 

During my last conversation with a customer service agent, I explained my challenges and requested assistance in obtaining a lower interest rate or any help that could be provided. The agent indicated that my timely payments had been noted, and they could assist me. However, I was advised that the only way to consider a lower rate was by missing a payment and then returning the call to discuss my request. I followed this guidance, calling back to discuss the possibility of lowering my interest rate, especially since I did not have the funds available at that time. Unfortunately, I did not receive a follow-up as promised and have found it challenging to reach your team regarding my situation, with my requests for assistance going unanswered. 

As a long-standing customer who has always made an effort to honor my commitments, I believe I deserve more support during this difficult time. I kindly request that you reconsider my situation and provide any possible assistance, including options for lowering my interest rate or resolving the issues related to my points redemption.
Product: Credit card

I believed that the Costco credit card transition would go correctly, based on their mailings in XX/XX/XXXX that said I would receive a new credit card and updated bill. I never received the credit card, and never received a bill. I finally received the first statement a few days before it was due, with no credit card. So I could not log in to pay it, because I had no card to activate to get to the account. I tried calling them, but was kicked off multiple times due to their high call volumes. Eventually I was able to talk to someone who processed my payment and said they would send me the credit card so that I could have access to my account. The cards and revised statement should have taken 5-7 days. I did n't receive them before I went on vacation, but saw that they had taken the payment. 
Almost one month after talking to them, I just returned from vacation to learn that my Citibank bill is 2 months late. Before I left for vacation, the person on the phone from Citibank said they would 1 ) process my payment 2 ) refund my late fee 3 ) send me the credit card ( which I still 2 months later have not received ) and 4 ) send an updated bill. 

The most recent notice ( received 5 days before it was due ) from them saying that I am months late ( although the payment was processed, it is n't on their revised bill ), will carry a late penalty and up my APR, I have no way of paying the bill without a credit card to get online. I have been kicked off numerous times by their automated phone call system which says that the lines are busy. It has been a week, and I still have n't managed to get through on the phone. I can not log in to pay the bill ( no credit card activated ). Now the statement said my bill was over one month due and that they were going to add ANOTHER late fee and up my APR, meaning that they contacted the credit bureau about my late payment. 
They took my money and are charging me late fees for an account I ca n't access, and I can not reach them on the phone.
Product: Credit reporting or other personal consumer reports

I am submitting to address a matter regarding a prior investigation into certain accounts that harbor inaccurate information. Upon careful review of your response, it has come to my attention that several accounts still exhibit inaccuracies despite being marked as verified. I kindly request your attention to rectify the following accounts : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Equifax!!! 


Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/2018 Miscellaneous XXXX XXXX, Inquiry from XX/XX/2018 Miscellaneous Reptg. Agencies Equifax Mortgage Ser Inquiry from XX/XX/2018 Miscellaneous Reptg. Agencies XXXX XXXX, XXXX XXXX Inquiry from XX/XX/2018 Television & Radio XXXX XXXX XXXX Inquiry from XX/XX/2018 Personal Loans Cos. 
XXXX XXXX Inquiry from XX/XX/2018 Auto Financing XXXX XXXX XXXX Inquiry from XX/XX/2018 Automobile Dealers, New
Product: Credit reporting or other personal consumer reports

I paid my credit card balances in full and on time and paid my monthly mortgage paid in full and on time. XXXX, XXXX and Equifax dropped my credit score by 1-2 points. Every month I pay in full and on time my credit score is reduced.
Product: Mortgage

My mortgage lender keep bouncing me from one servicer to another. I had to switch 4 times in less than 14 months. Every time there is a switch, had to signup with new servicer for auto debit processing. Also, during most recent switch, I got double charged for the same month ( XXXX ). Got an email saying that it happened in an error. Looks like there is no clear regulation on these kind of activities. Worst of all these things, customer service is no where to find.
Product: Debt collection

I am receiving calls from XXXX XXXX XXXX on a old payday loan that I do not owe. This has already been reported one other time. Please see my previous complaint.
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). Despite the FCRA 's requirement for accurate reporting, there are discrepancies present on my credit report that do not reflect my true financial standing. 

As a consumer, I have the right to ensure that my credit report is free from errors and reflects my creditworthiness accurately. Inaccurate information can have detrimental effects on my ability to obtain credit and may result in unfair treatment in financial transactions. 

I request a thorough investigation into the inaccuracies on my credit report and prompt correction of any errors. It is imperative to uphold the standards of accuracy and fairness outlined in the FCRA to maintain the integrity of consumer credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of ID Theft as far back XX/XX/XXXX. I have two entries on my credit report that are a result of that incident 2 collections from XX/XX/XXXX/XX/XX/XXXX collection on behalf of XXXX entered in on the dates of XX/XX/XXXX for {$990.00} with the account starting with ( XXXX ) and again for XX/XX/XXXX for {$1000.00} with an account number starting with ( XXXX ). Again these are both the result of past fraud. I have have not had any recent activity but I would like these addressed. I have included a police report as well documenting my efforts to show this was not my fault.
Product: Credit reporting

I went used the link on the consumer finance website for the annual free credit report. I filled out all the required information and choose the XXXX reports I wanted. Once I submitted this information I was taken to a XXXX page which makes me sign up for a credit monitoring services and gives me no option to opt out of this. I thought these credit bureaus were not supposed to do that?
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXXXXXX XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$500.00} XXXX XXXX XXXX ( XXXX ) XXXX Opened XX/XX/XXXX Balance {$400.00}