23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Greetings, On XX/XX/XXXX XXXX XXXX XXXX XXXX ( vendor ) charged my Barclays XXXX  credit card {$1800.00} by mistake. On XX/XX/XXXX XXXX XXXX XXXX refunded the {$1800.00} and sent me the receipt. 
10 business days later Barclays my credit card company will not take the charge off my statement. I have Called customer service several times and faxed the refund receipt to Barclays. The customer service rep on the phone even acknowledged that Barclays has received the refund from the merchant but still will not remove the charge from my statement. Thus I have put the charge into dispute a week ago. 
Case # XXXX card ending in # XXXX I would Appreciate any help on the matter. 
Barclays credit card customer service XXXX
Product: Credit reporting or other personal consumer reports

This is a complaint that started with a former complaint. # XXXX. Experian stated they updated my information after I provided proof and the company admitted that I was not late. I tried to dispute again, because the report still has me late and Experian stated that under the fair reporting act, I was not allowed to dispute the same item twice. I told them that they never updated the information the first time and I was transferred to different areas, and no one helped. Now I am missing out on gainful employment and other things I would normally enjoy if they removed the information. According to the summary on their website - the negative information will remain until XX/XX/2025 which will have placed it 7 years on my credit report, and it should have never been on the report in the first place as it is not true.
Product: Debt collection

I moved out of an apartment previously lived in after lease was up due to insect problem that was never fixed. I was worried that these insects would crawl in ear. Additionally these insect were coming from somewhere unknown and the apartment management way of fixing it was to add more traps to my residence which was an inconvenience to me. Again, my current lease was up so I could move as long as I provided a note to vacate property. 

Everything was done properly and I was provided an email from property manager to send keys to apartment which I did. 

Then out of the blue I started getting threatening calls from property owner company. I provided the property owners all the email exchanges between I and property manager. Then all the calling stop from property owner. 

Next thing I know a debt collector ( Genesis or Columbia ) started calling. I have provided them all the same information. All this miscommunication need to stop now. I owe no one nothing. I did the right thing.
Product: Debt collection

I have told them I would pay them online and they have locked that paying option and are making me call them to resolve this account in which I am not commfortable especially with the first gentleman who called me on XXXX Friday trying to resolve a {$1500.00} debt and not giving a XXXX about anyones ( XXXX XXXX ) expenses. I tell him then I tried to settle the account in a loan and didnt recieve the settlement letter so never got the loan. Calls me Monday, same guy. I said you really think my situation has changed? It was not pleasant. Then they keep calling me today and I am continuing to block their numbers until they unlock the account option to pay online and I will take care of it then. That is my hope in submitting this is to get them to unlock the online pay option and I will make arrangements to resolve the account online within 30 days. 

Thank you.
Product: Credit reporting or other personal consumer reports

Personal Statement To whom it may concern, I am asking that all disclosure forms that I signed to have my non- public information be provided from the above companies stating that I cave permission tor any or my transactions and or experiences with the creators to be reported to any outside third party including but not limited to XXXX XXXX Equifax XXXX and XXXX.. According to 15 US Code S 6801 addresses the protection of non public personal intormation and accordina to non public intormation All late tees are included according to the law. Non publi personal intormation is a transaction and or experience made between myself and the creditor directly..My rignts have been violated greatly per the GRAMM LEACH BLILEY ACT 15 USC S 6801-6809.. Please remove all negative reporting referring to the above accounts immediately. There is a continuous obligation to respect my privacy and transactions.. Please remove upon an immediate basis. Thank you XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Case XXXX XXXX Federal Trade Commission Case # XXXX Attached Attorney General Cases from Texas and California XXXXXXXX XXXX XXXX Account # XXXX NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 I NEVER Opened an account with XXXX XXXX XXXX XXXX on the reported date of XX/XX/XXXX. I sent my letter off on XX/XX/XXXX. I asked the credit bureaus to investigate every piece of information, on the accounts. The bureaus responded that the account was verified which is not true because the account is not mine. I never opened the account and I need this account removed. Here are the tracking number XXXX and XXXX. I sent out multiple letters trying to resolve this issue. Now I will seek legal assistance if this false report is not removed. 

According to 15 U.S.C. Sec. 1681i ( a ) my rights are being violated and if the account is not deleted I will seek Monetary damages up to {$1000.00} per violation. 


Experian Notice : XXXX XXXX, We have added an Extended Fraud Victim Alert to your credit report as requested on your behalf by one or more of the nationwide consumer credit reporting companies. This message, which will remain on your credit file for seven years, alerts credit grantors that you are a victim of fraud and to verify your identity in case someone is using your information without your consent. As an additional precaution, we have removed your name and address from prescreened offer mailing lists for five years. You can request two free copies of your credit report within 12 months of your request for this alert by visiting our secure Web site, www.experian.com/XXXX or by calling XXXX XXXX XXXX XXXX.
Product: Student loan

On Friday, XX/XX/XXXX, I contacted Edfinancial after receiving news of Biden 's Loan Forgiveness. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken back when they notified me that the processing times would be a minimum of 150 days. I was a pell grant recipient and am therefore eligible for the XXXX in forgiveness. Throughout the pandemic I paid almost XXXX XXXX XXXX payments. 

What's worrying me is that the application for forgiveness starts soon and Edfinancial won't be processing any of these in time for me to receive forgiveness. They stated that our loan balances won't be reinstated until the refund is processed which won't be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

Edfinancial can not send out confirmation emails or anything to prove that they indeed did send in our request. Seeing other people 's loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that Edfinancial does not have our best interests at heart.
Product: Mortgage

I have a lengthy history with NationStar Mortgage with unaccounted funds roughly on the order now of {$110000.00}. First i received a notification from NationStar that i was roughly XXXX in arrears ( while in active BK ) that prompted for investigation. On or about XX/XX/XXXX i sent a qualified written request. The response was revealing not only was i not coded for active BK they also claimed not to have received at least 7 months of payments totalling the same. I requested forensic audit of missapplied funds with no success. Well i let it go because my Bankruptcy attorney told me since i was in an active chapter XXXX plan calling for a cram down to pay off mortgage note in 5 years once discharge was received i would be vindicated. However, for personal reasons i chose to dismiss plan voluntarily. On or about XX/XX/XXXX i sent letter of intent and QWR again to NationSTar requesting normal mortgage servicing and reconciliationof roughly {$110000.00} or more of funds which were mailed directly from Chapter XXXX trustees office. Upon dismissal not only did Nationstar inform me that the account was not coded for normal servicing but that they could not account for all the funds received. I was further notified today on XX/XX/XXXX at in fact i was contractually up to date but that i had a balloon payment under " corporate advances '' of {$70000.00} in addition to a principal of {$35000.00} which was due as a balloon note and will come due on XX/XX/XXXX. I was further informed that this balloon was a result of a streamline in house modification which i never approved nor was not made aware of the of the contents of such an offer much less affix my signature to the same ( all done without the trustees permission ). Apparently a very crafty investor at play, On XX/XX/XXXX i sent another QWR requesting proper application of funds with not so much as a letter to provide outcome. On or about XX/XX/XXXX i was told a letter wen tout to bk attorney that cram down as void but with no accounting of the funds received. Contractually under original terms of mortgage i had a 30 year fixed rate mortgage at 7,125 % with a payment {$1700.00} taxes and insurance included. Through the plan Nationstar was received {$2000.00} and upon filing petition i was only 2 months delinquent. Basically there are violations of consumer protection law on several fronts. I will attach evidence of my intent to communicate with NationStar to resolve this issue. I am a firm believer that a lot of problems with banks stem from miscommunication. However, in the present matter the facts do tell a more revealing story.
Product: Debt collection

Capital one credit card company put me into a program that I was told would freeze the interest while I pay off the card. At no time during the phone call or acceptance into this program was I ever told that things would be Taken from me for signing up for this program. I finally got the entire {$9000.00} paid off and then they turn the XXXX around and send me another bill for interest. XXXX is going on here? If I am forced to acquire a lawyer I will refuse all settlements and take it to the jury for a decision in a speedy trial. I am tired of companies taking, taking taking, Dam it. This is wrong and needs to stop now.
Product: Credit reporting or other personal consumer reports

I don't know how many letters have I sent your bureau to inform you I was a victim of identity theft because my concerns have not been totally resolved yet. Here I am again, disputing the fraudulent information that are damaging my file. 
Despite sending you the required FTC complaint, your bureau is still reporting the fraudulent accounts on my credit report. Let me tell you that I have contact the banks associated with these accounts, submitted to them the required documents and immediately deleted the accounts on their records. 
Additionally, other credit bureaus have already removed the accounts from their records following the submission of the the FTC. So now, I am Inquisitive of what kind of verification method your bureau did to continue reporting those fraudulent accounts. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX and this address below thats reporting on my credit report is fraudulent and needs to be immediately removed XXXX XXXX XXXX XXXX XXXX  XXXX This Address is a accurate up to date address that should be reporting on all my credit reports XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Mortgage

Ref : XXXX XXXX XXXX XXXX XXXXXXXX florida XXXX My complaint is with pennymac. 
A couple months back, Due to my health and job I apply for mortgage assistance. Which allows me at 1st To pay less than what I owe per month and then To defer my payment.down the road. During a recent credit check, on mine and co borrow on the mortgage notice late payments being reported. When speaking to customer service they never mentioned that was being reported. Because that was one of the questions that we did ask. They said penny mac was here to help me with the mortgage for now. Tell me about the program that we could apply for. Send in all the necessary paperwork. Yes the process took time because they kept asking for more additional paperwork. When everything was given from before. They did at the beginning.Make it more difficult For us to get on the program. Even when it was reported a while back loss of income. They did not make it easy for us to apply for this program. Now those late payments are hurting us. Even though we was told we was on the program and was not gon na be reported. Even we was told by customer service while we was working with them.Nothing was going to be reported. They destroyed my credit report and the co borrower 's credit report at the same time. Customer service misinformed us with uncorrect information. Even while on the program I still got calls to pay. Seems they misinformed customers about the program they offer, how it works and what to expect. I just want them to work with us. Knowing I had a loss of income. Provide the correct information. 

They tell us we are on the program and it appear we are not. It's very confusing. Because they got all or paperwork, each rep said we are on the program. That we was approve. Yet they are reporting us late. 

Then we find out today we was never on the program. When we was told we were before.
Product: Checking or savings account

I was able to Use XXXX XXXX credit car or bank card and he changed it. It was supposed to be dropped to a XXXX  but yet they charged me with a XXXX. I am having the darn time to open a account. I wipray you all will exclude from my record. That was like almost 3 years ago and would like a new shot at living my life. THank you XXXX THe other person got charged as a XXXX  and he forged his name and yet I got caught with a XXXX. I am supposed to be released from XXXX  this year. PLease help me. I would very much appreciate it. THank you XXXX XXXX XXXX XXXX/ XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ar XXXX
Product: Money transfer, virtual currency, or money service

I have been utilizing Zelle with my banking institution and I have not received any disclosures regarding my transfers. No security when using their services nor to ensure my information is private base on federal privacy act.
Product: Debt collection

XXXX XXXX from XXXX XXXX XXXX called on XX/XX/XXXX at XXXXXXXX XXXX  and XX/XX/XXXX at XXXX XXXX. I asked several times if he could send me my running balance with complete payment history and several times he said he didn't have it or couldn't provide one. I called Ally Financial the original debt collector and they weren't able to provide a running balance with payment history either. On both phone calls, XXXX said I would get charged more fees and interest, even though my credit report said it has been Charged off since XX/XX/XXXX. I feel like XXXX wasn't forthcoming or honest it took us going back and forth before he could send a partial history. It was not fair and it is my right to get this information since I'm questioning the balance due. I felt like it was hard enough to pay down my balance but then to be told that if I don't handle the balance right then, that I would be charged additional fees and interest is very disheartening and mentioned that I could also be sued for the balance.
Product: Mortgage

I keep getting call from SLS Servicing saying that they have not received payment even thought they got the payment and process it. The first time this happen, I call to find out that when they call, they were processing the payment and did not know it came in. I am XXXX year old and this constant harrassment of a payment that is sent to them every month is taking a toil on my health and causing me to worry unnnecessary. The payment is not late but they want to call and harass me.
Product: Debt collection

IQ DATA INT'L INC XXXX, is violating my rights. as a Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for all accounts created by my seal/signature,. 
The account in question is a debt buying company that is violating several FCRA FDCP statutes. 1692. ( b ) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ; ( 3 ) not communicate with any such person more than once 15USC 1692 ( f )
Product: Payday loan, title loan, or personal loan

XXXX Hi! This is XXXX and how can I help you? 
i got disconnected from the represenative. but i have 8 missed phone calls from your company in the past 6 minutes. I have not applied for a loan nor do I have any loan other than my car loan to my knowledge XXXX Thank you for communicating with us Oh! I am sorry to hear that If I may ask, how about before, did you apply to another loan company? 
I want to find out if someone is using my information fraudulently and how did your company obtain my information but call me to verify and i have no clue what this was until i researched it NO. no other company only loan i have is from XXXX XXXX and XXXX XXXX all my loans and payments are through them directly XXXX I understand, is it okay if I pull up the application? 
Can you please verify it to me? 
what do you need to pull the application XXXX To better assist you, may I ask for your complete name, phone number and email address please to pull up your application? 
im not verifying my personal information for something i didnt do XXXX I understand i have more than one email. one personal one business and i have NO confirmation email that i filled out a loan XXXX to be able for me to pull up the application, I need your name, phone number and email address please? 
so you randomly just call me out of the blue more than 8 times in less than 10 minutes, tell me i have a loan application and then want me to verify using my name? no i can give you my phone number since thats all you have. voicemail didn't even say my name in the voice message XXXX because again if i give you my email im more than 2,000 percent sure you wont find me that way since i did not fill out the application XXXX Let me check the phone number Thank you for waiting and upon checking here, the phone number listed in our Do Not call list i have 8 phone calls just now from your company thats why i am writing after i researched XXXX The number is in our Do Not Call list, but we can not withdrawn the application until fully verified call me again and you do not remove my personal information ill just report you i have in writing right now by law that i am asking you to remove all my information right noe i have yet another 3 missed callls as i am writing you XXXX We can remove your information in our file but you need to verify first the application no worries im going to see my attorney your harassing me with phone calls and illegally have my information. 
i have asked you to remove it. 
im not verifying my personal information thats crazy you called me another phone call XXXX My apology for the inconveniences but we can not withdraw the application until fully verified this is ridciculous no worries. your writing in black and white you are refusing to grant my process XXXX But your number is in our Do Not call list already AND I AM STILL GETTING PHONE CALLS AS WE SPEAK RIGHT NOW NOT SURE WHICH PART YOUR NOT UNDERSTANDING I DONT GIVE A XXXX WHAT YOUR COMPUTER SAYS. MY PHONE HAS LOGGED 15 MISSED CALLS SINCE XXXX
Product: Credit reporting or other personal consumer reports

I realized my Experian Account was hijacked when I attempted to login to update my information and unfreeze my credit. When I tried to login my login and password had been changed. When I attempted to recover my account, I discovered that someone had changed the email and phone number kinked to the account. I have tried to call their fraud line and customers service, but their automated line will not connect to a real person. I contacted them through XXXX, and they simply gave me the same numbers I had gotten off the internet and still unable to resolve this issue. It has been over a week since I realized this has happened and my credit is unlocked and exposed to this hacker and because they now own the email and telephone number- they know I know. Not only am I exposed to possible identity theft now because of their lack of response I am in the middle of refinancing my home but I am unable because I can access Experian. Based on the LARGE number of similar posts on their XXXX page this appears to be a larger problem than just a couple people.
Product: Money transfer, virtual currency, or money service

I am writing to express my concerns in regards to Zelle mishandling disputes, specifically CFPBs lawsuit against issues concerning the Zelle platform. After utilizing Zelle on multiple occasions, and reporting issues or concerns, Zelle along with my financial institution failed to investigate my discrepancies. I was notified that there was nothing that could be done, and that my lost funds could not be tracked. CFPB has discovered that not only did Zelle not protect me as a consumer, they have also allowed others to exploit the system. With no correction. Furthermore, this leaves myself with heavy concern with consumer safety.
Product: Student loan

Students loans changed to Mohela, filled out income based payments with the save plan on the student loan website, Mohela has been charging me more money every month. Called and spoke to customer service asking why my payments were higher, they told me that they can make them even higher ( over XXXX more a month ) with the same exact income information. I said they I got a direct number from the fed loan with the save plan and they told me those were just estimates and that I have to pay what theyre charging me or they will start charging me XXXX more a month. I asked why that what happening and could not get a direct answer. The customer service lady was very rude and not helpful. Still is charging me more money than what the save plan quoted me at for my monthly payment. I even told her that I had the email and document that said what my payment is that I got from the loan and that it was approved. Never got any information on why my payment was truly higher and why they said that they could re quote me over XXXX more a month with the same income as 2 months prior. Very disappointed and have baby on the way.
Product: Money transfer, virtual currency, or money service

I was a victim of Zelle fraud, and the experience left me feeling utterly betrayed and exploited. Despite reporting the fraud and discrepancies multiple times, Zelle and my financial institution, XXXX XXXX XXXX XXXX, failed to take adequate steps to protect me. As reflected in the Consumer Financial Protection Bureau ( CFPB ) description, Zelles platform has systemic issues that make recovering lost funds nearly impossible and tracking fraudulent transactions infeasible. This negligence enabled repeat offenders to exploit the system, leaving me vulnerable and without recourse. 

The emotional toll of this ordeal has been immense. Its infuriating that Zelle, a platform designed for convenience and security, has left consumers like me exposed to scammers. I had to demand XXXX XXXX to step in and launch an internal investigation, something Zelle should have addressed in the first place. Im urging the CFPB to use my case to highlight Zelles failure to protect its users and advocate for necessary reforms to prevent others from experiencing this kind of exploitation.