23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have tried to get the payments deferred and have been unsuccessful and have been getting the run around
Product: Credit card or prepaid card

Citi is continuing to disregard my complaint. This is an ongoing problem per previous complaints made to CFPB. Their last response was trying to placate me by adding points to my account. I would like this resolved once and for all. Citi is now attempting to withdraw the resolved amount of {$4900.00} from my account even though they said they are working on correcting the problem. This problem has gone on for more than a year. I am wit ends and do not know what to do about this. I've attached a current statement. My bills are set to pay in full every month. My purchases show {$2600.00} as charges for the month of XXXX. Citi is trying to withdraw that plus the resolved amount ( {$4900.00} ) and interest. They added this interest because I stopped them from withdrawing that amount from XXXX. They said you can adjust the autopay and Citi will not charge interest while they supposedly working on the problem. On my last CFPB complaint, I showed proof that I paid the {$4900.00} double credit on XX/XX/2023.
Product: Money transfer, virtual currency, or money service

Around XX/XX/year>, I fell victim to two multi-layered scam operations run by XXXX, under the domain name XXXX  which involved me making deposits for a total amount of XXXX USD from my Capital One account to fraudulent investment firm ( s ).
Product: Debt collection

The debt collector TSI is trying to collect on a debt that did not have interest fees agreed too. In addition, they are using tactics such as to use my tax refund to pay, and saying that other people can see review my debt in my email. 

The amount owed is {$85.00}. The company is trying to charge {$210.00}. In addition, they gave payment arrangements and said that the last payment will be more given charges.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$7900.00} XXXX XXXX Balance : {$1200.00} XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My car was broken into and some of my personal identification was taken. I have since noticed that several attempts has been made to purchase things using my information that I did not do. The things listed on this report is fraud and not mine.
Product: Mortgage

My Home mortgage is on a Bill Pay with my bank. The payment is due by the XXXX of every month and I have scheduled it for XXXX of every month to avoid any weekend, holiday type delays. Any way during the month of XXXX my payment was auto-scheduled and processed on XXXX of XXXX. I was out on business and when I returned on XXXX XXXX I noticed there were missed calls on my home phone from " XXXX '' on XXXX XXXX and XXXX XXXX. I called this number back and found out that this number belonged to my Mortgage Company. Once I verified my security information the first word I heard from the representative was " Sir, how would you like to pay {$130.00}? ". My immediate response was where did this come from? I was calling back to find out why the I had these missed calls ( note no message was left on my answering system by Seterus ) was calling me for which I had no idea. The representative " XXXX '' upon asking first said maybe because my payment was received after XXXX and was charged late fee. I told her that let me look on the bill payment, upon which I clarified to XXXX that my payment was scheduled for XXXX of the month ahead of the due date of XXXX so it can not be correct. XXXX then went on hold and then came back stating that my Escrow analysis had established that instead of my monthly payment of {$1800.00} I was to make a revised payment of {$1900.00}. Hene the shortfall of {$64.00} combined with LATE FEE of {$72.00} was overdue now. I tried to convince XXXX that this was not a delibrate mistake or intended delay, there was no information on my end that my payment had changed and XXXX did not leave any messages when they called. So I pleaded that given my pristine payment record at a minimum I should not be charged the LATE FEE. Especially given that no payment from ESCROW was due until XXXX timeframe and it did not make sense to levy a penalty of {$72.00} on a shortfall lesser than that and which was not even due to either the Real-Estate Property Tax payment OR my Home insurance. XXXX said she can not do anything. I insisted to talk to her supervisor. When XXXX 's Supervisor " XXXX XXXX '' came on line I told her this honest oversight should be considered for waiving the LATE FEE. XXXX held on to my first statement and re-phrased Oh! so you agree it was an oversight. I knew then and there she was trying to justify Seterus 's late fee by mounting on me that I was to be fully responsible for this oversight. And then between XXXX and XXXX they furthered the topic with threats for credit reporting if the overdue amount was not paid. Since I enjoy a credit score in XXXX range I did not want to argue with them and caved in to make the whole payment via direct debit from my checking account on the spot. I think it is fare if you levy LATE FEE and PENALTIES for something that has caused financial damage or has the potential to do so - but in my case it was plain simple that Seterus came back with a response of " Oh I got you ''. Very mischevious tactics for such meagre amounts from customers who have been on the dot with payments from last umpteen years.
Product: Credit card or prepaid card

Between XX/XX/XXXX and XX/XX/2018, I received multiple ( 7 ) cash advance fees ( {$10.00} per fee, so {$70.00} total ). These were charged after purchases at XXXX. XXXX is a website where cryptocurrencies like Bitcoin can be purchased. Before XX/XX/2018, I have purchased from XXXX at least 10 times without ever receiving a fee. 

After contacting BarclayCard, it was explained to me that that on XX/XX/2018, the Merchant Category Code ( MCC ) for purchases at XXXX was changed to something similar to when chips are purchased at a Casino. 

I then asked Barclay if they had ever planned to let their customers know this change had taken place and they should perhaps change the way they do these transactions to avoid these fees and they said something to the effect of " No, it is the customers responsibility to understand how these things work ''. 

I felt that this was unfair for a few reasons : -None of my previous transactions from XXXX XXXX   had fees before XX/XX/XXXX. 
-Therefore, If I were given a fee when i first tried ordering from XXXX XXXX I would have never made so many more orders that accumulated these fees. 
-These fees were given over the course of a week without any notice from Barclay Card . They did not happen immediately so even if i checked the same day or a day later I would have still suffered these penalties. 
-A transaction I made between XX/XX/XXXX and XX/XX/XXXX was not given a fee, so the date they decided to start charging me the fee was seemingly arbitrary. 
-On a personal note, when i spoke to a manager, she said something to the effect of " You should be happy that I ( she ) don't go back and charge a fee for each time you used coinbase ''. There were 11 earlier times. I feel like this was a threat, or at least i felt threatened, not knowing whether or not this was an actual thing she could do.
Product: Checking or savings account

On XX/XX/year> I filed a duplicate charge dispute with Capital One Bank that totaled out to be {$5100.00} on XXXX transactions. I was told by the representative that I would receive a provisionary credit XXXX XXXX XXXX. On XX/XX/year> at XXXX I called Capital one and told the representative that I have not received the provisionary credit and the representative stated that it would be in my account no later than XXXX that day. Later that day at XXXX I got an email from Capital One at XXXX stating that my accounts are closing because of unusual activity. I immediately called Capital One and was told by a representative that the provisionary credit was granted after my accounts were closed. I asked to be transferred to a supervisor and the supervisor told me that they were terminating my banking relationship with them and that the investigation will take XXXX XXXX with no access to the provisionary credit. XXXX XXXX states customer should have access to provisionary credit while the investigation is on-going. Capital One sent me a new debit card after the claims were filed and if my accounts were going to be closed why did they issue me a new debit card. I really need some guidance with this.
Product: Vehicle loan or lease

I leased a XXXX XXXX  XXXX and I purchased Preferred Tire Care Coverage from them through XXXX XXXX. 

Preferred Tire Care plus package On XX/XX/18 I traded in my XXXX and I was told I could get a refund on this coverage since I do not have the vehicle and I didnt use the coverage. I called XXXX 5 times and no one gets back to me regarding processing my refund. 

I want my refund for this coverage processed. 

XXXX XXXX needs to refund this.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have talked to several people at Equifax and explained that the inquires on my report that they have not deleted per my request that this is all Fraud.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer and Im making this complaint against ONLINE INFORMATION SERVICES for committing identity theft. I have never given ONLINE INFORMATION SERVICES any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until ONLINE INFORMATION SERVICES can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and ONLINE INFORMATION SERVICES continues its collection efforts, I will file for litigation for actual damages caused and ONLINE INFORMATION SERVICES will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant CC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

I reported account as fraudulent to Experian as well to XXXX and XXXX XXXX XXXX. Account continues to be reported on my credit report even as I sent in dispute asking account to be investigated in accordance with FCRA. I ask for all original contracts and disclosure forms with my wet ink signature which all companies have fell to produce. As well as giving a detailed description on steps taken to show how account was verified other than creditor saying it has been which is in violation of FCRA. I have requested account to be investigated twice with same results. Ive attached the consumer law codes with every request that backs up everything I said but account keeps coming back verified
Product: Credit reporting, credit repair services, or other personal consumer reports

This Company is violating 15 U.S. Code 1681b by continuously reporting my information to a third party without my consent. Per the FCRA, as a federally protected consumer. I am now opting out of any ; and all authorization, I the consumer may have given you written, unwritten, verbal, and or non-verbal per 15 USC 1602.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion have not updated my personal information. I have sent the attached later beyond 30 days ago. I need for this information to be updated in the system.
Product: Mortgage

I was on a COVID 19 forbearance Plan with XXXX XXXX which was to end on XX/XX/XXXX. XXXX XXXX transferred my loan to Specialized Loan Servicing ( SLS ) on XX/XX/XXXX. 

I kept in constant communication with SLS until my loan was loaded onto their system. On XX/XX/XXXX I spoke to a teller by the name of XXXX he said he would put in a submission for me to get a Deferral Loan Agreement Plan and I would learn of the outcome between 7-10 business days. 

However on XX/XX/XXXX I received a letter dated XX/XX/XXXX from SLS informing me that I had been approved for a Forbearance Plan dated XX/XX/XXXX to XX/XX/XXXX based on an incomplete loss mitigation. SLS took on the servicing of my loan on XX/XX/XXXX. 

I have never asked for a Forbearance Plan from SLS. Further I wish to point out that I had NOT missed any mortgage payments prior to going on a Forbearance plan with XXXX XXXX and it was still in effect when they transferred my mortgage to SLS. 

I have received two Escrow Account Disclosures dated XX/XX/XXXX and XX/XX/XXXX which in short pointed out that I had an escrow shortage of {$290.00} and {$280.00} respectively which would bring my mortgage payment to {$1300.00}. 

I called SLS and again spoke with XXXX and I told him I agreed with and accepted the Deferral Loan Agreement Plan and would make a payment. He told me the mortgage payment was {$1300.00} which I paid - confirmation # XXXX. I called and spoke with XXXX XXXX XXXX XXXX on XX/XX/XXXX to ask about the correct amount of {$1300.00} for the mortgage. She told me to give SLS some time to make the necessary adjustment, I called today XX/XX/XXXX and spoke with XXXX who said she was showing that I had missed a payment because I paid the wrong amount of {$1300.00} instead of XXXX and therefore the payment would not go towards XXXX 's payment on the Deferral Agreement Plan and now my mortgage was two months behind. I contested this but she insisted that she was going by what she saw on her computer. I asked to speak to a supervisor. She put me on hold then came back to say a supervisor was not available but she would put in a request for one to call me. I am still waiting on the call. 

I called back today and spoke with XXXX ID # XXXX who also reiterated that the Company was not to be blamed for the error. I decided to pay the difference of {$12.00} - to bring the payment up to {$1300.00} - Confirmation # XXXX. 

I am concerned that because today is the XX/XX/XXXX, XXXX will say my payment is late and the account could still be seen as overdue. Please send on my concerns to SLS so that my account can be properly adjusted. I would also like to be able to deal with only one person while dealing with this matter so at least there will be some continuity of service.
Product: Credit reporting or other personal consumer reports

One Main credit ran a report on my credit without my consent on XX/XX/year> I didn't give this company permission to run my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries : XXXX XXXX  XXXX XXXX Inquiry : XXXX XXXX, XXXX. Trying to open small business bank account. I did not authorize a credit check and did not open a small business account. 

2- DEPARTMENT OF EDUCATION- was told I had to pay for class or I could not attended the school. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX was told I had to pay for class or I could not attended the school. 
Inquiry : XXXX XXXX, XXXX + CAPITAL ONE AUTO FINANCE - I did not get a vehicle. 
Inquiry : XXXX XXXX, XXXX + CAPITAL ONE AUTO FINANCE -I did not get a vehicle. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX- I am not familiar. please remove. 
Inquiry : XXXX XXXX, XXXX + XXXX XXXX- I did not provide my information. please remove. 
Reported : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX- I did not provide my information. please remove. 
Reported : XXXX XXXX, XXXX I would like all inquire stated above, removed off of my credit. 

- Thank you.
Product: Debt collection

I have received collection letters from Diversified Consultants , Inc., XXXX. XXXX XXXX, XXXX, FL XXXX, attempting to collect {$750.00} on a debt to XXXX. The " Agency Reference Number '' is XXXX. The " Account XXXX '' is XXXX. I previously discovered a report of this alleged debt on my credit reports. I disputed it successfully to the credit reporting agencies, who removed it from my reports. However, I subsequently received the debt collection letters that are the subject of this complaint. I disputed that debt to the agency. The agency responded that XXXX verified that the debt was valid and included in that letter a copy of an unpaid bill from XXXX. That bill was addressed to someone named " XXXX XXXX '' but residing at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The bill was for services provided in XXXX. I have never lived at that address. I did not request or receive services from XXXX in XXXX. I last had an account with XXXX in XXXX, which was fully paid and closed. 

It is apparent to me that someone with my name or using my name incurred debt and did not pay. I am being billed for someone else 's debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing a copy of my credit report, I see an entry listing, such as I owe {$150.00} or my account was charged off {$150.00} in XXXX. The account number is XXXX
Product: Checking or savings account

In XXXX, my fianc and I purchased a home from a couple with the same last name as me ( XXXX ). When we purchased the home, I had my mail forwarded to my new address. Since the purchase, my Primary address on my banking account changes to the previous owner 's new address, in a different city, without my consent. It has changed without my consent at least 10 different times. I call chase every time this happens, and they do not have an answer other than to change my address with the post office. I have done just that on 3 different occasions. When my address changes without my consent I am unable to use my debit card for 24 hours after each occurrence. They continuously tell me that " Generally, your address should not change without your consent '' but here we are. Why is it that the postal company is linked to banking?
Product: Student loan

I have been trying to get my loan with Navient resolved for a long time. During that time, they continued to tell me to keep my loan in forbearance while trying to figure how to pay my loan. I did notive how much my loan was capitalizing in interest until recently. For the past 8 months, I have submitted applications for forgiveness as I am a teacher and for an IBR. 
Navient eventually told me that I needed to consolidate my loans and use XXXX, which I have recently done and am still waiting for my loan to get on an IBR so that I can try and work towards PSLF. The problem is that my loan has accumulated so much interest that it is not manageable and even on a IBR it will negatively amortize. 
I am finally in a place where I can started paying my debts back but while with Navient has doubled my loan, which means on an IBR my loan will end up being high after 25 years of paying it than it is today and this is the loan program they are saying is in my best interest. They is XXXX and Navient. 

The interest accruing is over XXXX a month at this point. I need help. I have just started paying the interest because I just put it together that what is being advised by the servicers is not in my best interest and is putting me in a perilous situation. 

Please help. I want to start paying my principal down and do n't know how to with such a high amount of interest accruing from the loan being in forbearance.
Product: Credit card or prepaid card

For over the past several years my personal information has been dumped on the dark web and the internet. Over 1000 cases of fraud on my account. Accounts emptied. Mail stolen. All due to credit card companies and credit bureaus and banks failing to secure their databases allowing information theft. I have spend the last several years working to clear my financial records. In the past year starting in XX/XX/XXXX and in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have sent debt validation letters, some not asked for by creditors in a effort to research issues with fraud. This creditor has not seemed to respond to my letters within 30 days. The creditor needs to respond within 30 days to requests.
Product: Money transfer, virtual currency, or money service

I am 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 ( XXXX ) 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. I was scammed multiple times the last one was in XXXX XXXX I lost over {$3000.00} dollars to a job scam when I had only that to my name. I lost everything and have been struggling since.
Product: Vehicle loan or lease

I contacted Lincoln of XXXX XXXX, as my leased vehicle is nearing the end of its lease term and I would like to purchase my vehicle. I received a payoff which includes the following : XXXX ) Market value selling price of {$23000.00}. XXXX**This does not match my lease buyout amount, so I asked for the payoff that they received from Lincoln Automotive Financial and did not receive it*** XXXX ) Taxable fees ( estimated ) : {$270.00} ***no idea how this was calculated*** XXXX ) Doc Fee : {$990.00} XXXX*I spoke to a manger, XXXX XXXX, who insisted this was authorized by the first page of my lease. I asked several times where it says that and he stated that he does not have a copy of my lease, but they all have it. I told him this is a violation of the Consumer Lease Act and he insisted that he would have to see my lease. I thn sent the first page of my lease, as instructed by XXXX XXXX, to " XXXX '', and received the response that this is the dealer 's cost of doing business and NOT mcharged by Lincoln. In other words, it is not authorized by my lease and therefore a violation of the Consumer Lease Act. *** 4 ) Tax : {$1500.00} ***again, no indication as to how this was calculated*** 5 ) Non Tax Fees : {$560.00} ***No indication what these are for and no indication these are authorized by the terms of my lease*** 6 ) Balance Total : {$26000.00}