23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and XXXX has violated my rights account number XXXX and account number XXXX I need it removed right away. Law 15 use 1681 sec 602a states I have the right to privacy. sec 604 states a consumer reporting agency can not furnish account without my written instructions, 1681c states no consumer reporting agency may make any consumer report containing any of the adverse item other than the conviction of crimes which antedates the report 1681 2 a 1 person shall not furnish any information relating to a consumer to any consumer reporting agency if a person knows or has reasonable cause to believe the information is inaccurate. This account was never late even though XXXX was not given permission to obtain a loans in my personal name, I went to XXXX to purchase vehicles for my company to put on XXXX and to have for movie sets, video and television and film rentals. I specifically explained to my sales rep and financing that these vehicles had to be business loans only with me as the personal guarantor. ( P and G ) loan. I advised them if if could not be done, I had no need for the vehicles. I researched business credit vs personal credit for the last seven years and was very educated and adamant about no vehicles appearing on my personal credit report. I gave my personal info as a guarantor for the business only not a cosigner in no type of way shape or form. At the time of purchase, my credit score was high XXXX 's I had finally learned how to manage my personal credit and business credit which had an a rating and keeping the business separate. The XXXX with XXXX XXXX XXXX immediately started showing up on my personal credit report without my permission. I immediately contacted the dealer and XXXX finance and was told it was nothing they could do. I told them this is not what I agreed to and I would have never allowed the business car debt on my personal credit report. They kept saying well you signed and I said yes for the type of agreement I was told I was agreeing to. I did not authorise use of my personal information or use of my personal credit report other than to verify my identity and to be a personal guarantor for the business if the loan defaulted. With a personal guarantor loan vehicles do not go on your personal report at all. When I saw the word co signee I questioned it and was told at their dealer its the same as a personal guarantor. Lies and deception to get a quick sale not realizing how hard I worked to master my credit the dealership took that away from being dishonest with the excuse of we have paperwork. I did not authorise that type of loan neither would I had ever authorised that type of loan that was fraudulent. Also the vehicle was returned and paid off and they reported a false XXXX late after the vehicle was grounded and settled. I did not authorise XXXX to secure a loan in my personal name thru XXXX that was also fraudulently done by the sales rep. the vehicle has been returned and closed should not be appearing on my credit report.
Product: Checking or savings account

I am a small business owner banking with Chase for the last 9 years. 
Recently I had a client who didn't pay us for our services and caused the recurring transactions related to business to create negative balance on the business checking account. 

Chase began posting insufficient charge fees. They managed to charge my account 32 times x {$34.00}, totalling {$1000.00} and making the account completely overdrawn. 
I had spent 10 days of consistent telephone calls to resolve the situation to no avail. 
Finally, their collection department after all these nightmarish phone calls to them stated they would refund {$560.00}. My account was still severely overdrawn and I couldn't get Chase to cover all of the fees. I am outraged that Chase directly affected the finances of my business. I use the account to deposit clients check for work that my business does for them. Chase by draining my account with those fees inflicted financial damage to my operations. 

On XX/XX/XXXX I deposited another client 's check and I still continue the financial fallback from what they did. 

I will close my account as the bank has predatory practices and I don't have any faith in them. Before I do I expect that they return all the insufficient fees as this stress has gone beyond finances and it has been an absolute disgrace and a nightmare.
Product: Money transfer, virtual currency, or money service

Someone cloned and hacked my cellphone, and on XX/XX/2021 they used my phone to initiate forgot password on my yahoo email, and then to enter into my email. They then reset my Coinbase password using the " forgot password '' method with Coinbase. 

They converted all of my cryptocurrency to XXXX, then they initiated a {$1000.00} buy of XXXX. The {$1000.00} was transferred from my bank account to Coinbase, it was then used to buy XXXX, and then all the XXXX was sent to a Coinbase XXXX wallet. 
In total {$1600.00} was stolen from me, converted to XXXX and sent to someone else 's crypto wallet. 

I had reached out to Coinbase. Initially they locked down my account and then stopped responding to me. I have, since then, managed to unlock my account and retrieve the transaction reference codes for the transactions and the transfers the hacker intiated through my account. 

I had also opened a case with Coinbase, and they did not communicate any resolutions to me, they provided no resolution with regards to this hacking, and closed the case. 

I have reached out to them multiple times and they have been uncommunicative and uncooperative. 

I have attached, to this complaint, screenshots of the unauthorized transactions, image of a letter from my cellphone provider company showing that my phone was hacked, and my email chain with Coinbase.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

These fraudulent accounts consist of two Student Loan accounts opened on XX/XX/XXXX under the account number ( private ), an mortgage loan account opened at XXXX on XX/XX/XXXX under the account number ( private ), an mortgage loan account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ). Support order opened at Domestic relation Section on XX/XX/XXXX under the account number ( private ). 
These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. Further these accounts are now considered in litigation. 

I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. 

I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

Back in XX/XX/XXXX, I requested a loan for {$200.00}. I made a payment plan that allowed me to pay one payment of XXXX and XXXX for the rest of the payment every two weeks. I should be done by now, but I just noticed that I am still paying as of XX/XX/XXXX on a weekly basis. On top of that they lied in an additional document that I received {$500.00} from them when I only received {$200.00}. I didn't realize sooner because I thought I was paying my student loans that I owe. Is there any way that I can get my money back?
Product: Payday loan, title loan, or personal loan

stated at the time that I 'm unable to make payments due to be laid off from work and XXXX in my XXXX XXXX. I asked for all calls to cease but company is still trying to contact me .I received a phone call today from my old employer stating that the company was calling for me and that this was a disturbance. I can not pay this bill at this time and all the phone calls and email communications are putting me at risk for XXXX XXXX.
Product: Credit card or prepaid card

I contacted Netspend regarding unauthorized charges on my account XX/XX/XXXX I advised them my backpack was stolen with my credentials such as Id, bank card, cell phone and a result in this matter over {$600.00} was stolen from my account. I later found out somebody I know had stolen my belongings when she was caught stealing from XXXX and had my belongings on her. On XX/XX/XXXX  I received a email from Netspend stating that I will not receive any of my money back and that the matter is closed I do not understand how this issue was investigated properly this company is not protecting my money at all they never emailed me regarding suspicious activity. I can not continue to lose money like this and unfortunately it is hard for me to close this account due to the fact my husband is in the Military XXXX XXXX and he has an allotment scheduled monthly to this account. I will greatly appreciate your help. 

Thanks claim # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The following accounts are violating my rights : XXXX XXXX XXXX XXXX XXXX XXXX : Reported : XX/XX/22. Amount : {$77.00} XXXX Account XXXX XXXX XXXX : Reported XX/XX/22. Amount {$220.00} XXXX XXXX XXXX/ XXXX  XXXX XXXX : Reported XX/XX/22. Amount {$1300.00} 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 an account without my written authorization
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX **Subject : Urgent Request for Removal of Fraudulent Account XXXX XXXX XXXX** **To Whom It May Concern, ** I am writing to follow up on a recent dispute regarding a fraudulent account that was reported on my credit file. The account in question is : - **Account Name : ** XXXX XXXX XXXX  - **Account Number : ** XXXX - **Date Opened : ** XX/XX/XXXXXXXX  - **Balance : ** {$630.00} - **Status : ** Open, {$54.00} past due as of XX/XX/XXXXXXXXXXXX XXXX XXXX has completed their investigation and determined that this account was opened fraudulently. They have submitted a request to the credit reporting agencies to remove the tradeline from my credit report. According to Self Financial, it may take up to 30 days for this update to be reflected.

To support this request, I am providing the following documentation : 1. **FTC Identity Theft Affidavit** This affidavit confirms that I am a victim of identity theft. 
2. **Email from XXXX XXXX XXXX Fraud Team** This email acknowledges that the account was opened fraudulently and confirms that they will remove the tradeline from my credit report. 

I kindly request that you expedite the removal of this fraudulent account from my credit report. Please confirm in writing that this tradeline has been deleted. 

Thank you for your prompt attention to this matter XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX **Experian Consumer Services** XXXX XXXX XXXX XXXXXXXX, TX XXXX **Subject : Urgent Request for Removal of Fraudulent Account XXXX XXXX XXXX* **To Whom It May Concern, ** I am writing to follow up on a recent dispute regarding a fraudulent account that was reported on my credit file. The account in question is : - **Account Name : ** XXXX XXXXXXXX XXXX XXXX **Account Number : ** XXXX - **Date Opened : ** XX/XX/XXXXXXXX  - **Balance : ** {$630.00} - **Status : ** Open, {$54.00} past due as of XX/XX/XXXX Self Financial has completed their investigation and determined that this account was opened fraudulently. They have submitted a request to the credit reporting agencies to remove the tradeline from my credit report. According to XXXX XXXX, it may take up to 30 days for this update to be reflected. 

To support this request, I am providing the following documentation : 1. **FTC Identity Theft Affidavit** This affidavit confirms that I am a victim of identity theft. 
2. **Email from XXXX XXXX XXXX Fraud Team** This email acknowledges that the account was opened fraudulently and confirms that they will remove the tradeline from my credit report. 

I kindly request that you expedite the removal of this fraudulent account from my credit report. Please confirm in writing that this tradeline has been deleted. 

Thank you for your prompt attention to this matter. 

**Sincerely, **
Product: Mortgage

In late XX/XX/XXXX, I called Newrez to schedule biweekly payments for XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, they charged me a late fee of {$100.00} and mailed me a letter ( which I did not receive until XX/XX/XXXX ). When I called on XX/XX/XXXX, the customer service rep told me the late fee would be refunded. Upon logging into my online account on XX/XX/XXXX, the late fee had not been removed. I contacted Newrez via chat and {$65.00} was refunded, but not {$39.00}, which was charged as a payment on XX/XX/XXXX. The chat agent stated that the {$39.00} had already been paid so it couldn't be refunded. The phone agent had told me on XX/XX/XXXX that the late fee would be refunded ; she did not mention that it had been split into XXXX separate charges and that part of it was nonrefundable. 

The letter they sent me in the mail is not available in my online account, only in print as received via US mail. 

This is only one of MANY complaints I have filed with Newrez since they acquired my loan. They are the worst mortgage company I have dealt with over 16 years of holding mortgages with many companies.
Product: Credit reporting or other personal consumer reports

My ONLYphone number is XXXX my ONLY name is XXXX XXXX My ONLY address is XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit card or prepaid card

I've received CFPB paperwork in regards to this complaint with # XXXX. 
Many years ago I opened a credit card account with Sears. And then I realized that it's no longer Sears but rather Citi Bank Master Card. Therefore the card was taken over by Citi Bank without my knowledge or agreement and the new higher interest rate was imposed. I did reach out to Citi Bank and asked them to clear the situation and I specifically refused to have anything to do with Citi Bank and all XXXX credit cards that they issued on my name without my knowledge but it was never resolved.
Product: Credit card or prepaid card

I was about to pay my balance in full on XX/XX/21 but when I got home I did not have internet and could not get the payment to go through. I paid the full amount the next day, XX/XX/21 and sent XXXX XXXX an email explaining what happened and requested they do not charge me a late fee. Well they charged me {$40.00}?! I have been going back and forth with them to have this removed as the full balance was paid and all I now owe is the {$40.00}. They will not remove this fee. I feel like I alerted them and had an issue beyond my control. I just want the late fee removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS A VICTIM OF IDENTITY FRAUD MY WALLET WAS STOLEN AND SEVERAL YRS LATER FRAUD ACCTS HAD APPREARED ON MY CREDIT BUREAUS AND LATES STARTED HITTING MY CREDIT AND I HAVE SINCE BEEN DISPUTING AND I WAS ABLE TO GET MOST OF THE FRAUD ACCTS OFF HOWEVER THE 2 ACCTS XXXX AND DISCOVER LISTED ON MY CREDIT IS STILL ON MY XXXX REPORT I HAVE TRIED ALL I CAN'T TO HAVE THOSE ACCTS REMOVED THEY DID REMOVE THEM FROM MY XXXX XXXX AND XXXX HOWEVER IT REMAINS ON MY XXXX AND HAS AFFECTED MY CREDIT GREATLY
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Status Account charged off. {$2200.00} written off. {$1500.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$1500.00} Original balance {$42000.00} Monthly payment -Last payment date XX/XX/XXXX THD/CBNA Status Account charged off. {$3400.00} written off. {$2600.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Past due amount {$2600.00} Highest balance {$3400.00} Monthly payment -Last payment date XXXX XXXX, XXXX CITICARDS CBNA Status Account charged off. {$3600.00} written off. {$1800.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX due amount {$1800.00} Highest balance {$4600.00} Monthly payment Last payment date XX/XX/XXXX 2022
Product: Credit card

I was the victim of unfair and deceptive credit practices by Synchrony Bank on two separate occasions. In XXXX of XXXX, I was mislead about the fact that I was signing up for a deferred interest credit card ( for XXXX XXXX XXXX ) that was going to charge me with two years worth of interest all at once. I also was misled that my automatic payments would not in fact, pay off the balance in those two years. I was told that my automatic payments would have me on schedule to pay off the balance in two years and that I could set it and forget it. Crucially, I was not told that Synchronys website will steer you towards setting up a VARIABLE automatic payment rather than a FIXED automatic payment. So you set up this automatic payment and think youre heading towards a balance of XXXX after XXXX  years but youre actually heading towards a balance just above XXXX. Your automatic payment changes each month from one that would get you to zero to a payment that is a certain percentage of the remaining balance, rather than a percentage of your original principal. This is an insane and predatory practice! They know exactly what they are doing in setting up an auto payment system this way! I also was not told that if I failed to pay off the balance in two years I would have to pay that two years of deferred XXXX percent interest! So of course two years later my balance spiked and I have been unknowingly paying off the extra amount ( which brought my total owed almost back up to the amount I originally owed ) ever since. In XXXX of XXXX, I was misled again using the same deceptive credit practices and signed up for another credit card ( this time at Mattress Firm while purchasing a mattress ) that was going to hit me with the total deferred interest after three years and was told that it would be automatically be paid off after three years after setting up my automatic payments. By chance I noticed my checking account was being charged twice ( once for the XXXX  charges and once for the Mattress Firm charges ) each month by Synchrony and payed off the remaining total owed for the mattress after spending the day figuring out what was happening and why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am working on my own behalf, a federally protected natural person XXXX XXXX who did not give permission to Equifax to report this alleged debt and fraudulent information with XXXX XXXX XXXX. My complaint with Equifax # XXXX is impacting my credit score and I am demanding that you remove it from my consumer report-you were suppose to do an investigative report-and I know you didn't speak to my neighbors or anyone I know personally. Send me a detailed audit trail of the investigative process or delete the alleged account from my consumer report immediately!
Product: Credit reporting or other personal consumer reports

Today I was at XXXX XXXX XXXX  applying for a credit card. I have the Experian app on my phone and when I went to unfreeze my credit there is the quick available option that includes me having to be a paying member to unfreeze my Experian credit. I have had my credit frozen for many years and havent unfrozen it very much at all Maybe twice in the last XXXX years. The way they made it look was that I needed to pay for the premium service to be able to unfreeze my credit, and in my opinion made it difficult to find the easy fact that I can just unfreeze my credit without having to upgrade my free service to a pay service with Experian. I feel that Experian is being fraudulent by making it look like you need to be a premium member to be able to manage your freezing and unfreezing of your credit.
Product: Credit card or prepaid card

Purchased XXXX  air cleaner. best buy shipped it. shipped in original packaging per them. XXXX XXXX tracking shows delivered. however, we have a sign that states do not leave packages due to location. we contacted best buy who refuses to assist or refund. Citibank won't dispute since tracking shows delivered, which is the whole purpose of a dispute.
Product: Payday loan, title loan, or personal loan

Today, XX/XX/19, XXXX XXXX, Loan Manager from One Main Financial Loan Department called at XXXX  to and offered me a loan of {$10000.00}. He emailed a loan agreement, while I was on the line with him, and I was told to reply to the loan that I agreed, as soon as I said I replied, he hung up on me. I tried to call him back at XXXX  and he hung up on me several times, and now he won't answer. I replied to him through email that I don't agree to the loan agreement. I called the OneMain Financial- Corporate Headquarters and they said they never offer loans over the phone and nobody by the name of XXXX XXXX works for them. However, the email that was sent has the One Main logo on some of the pages. XXXX XXXX has my personal information, as well as by routing and checking account numbers.
Product: Credit card or prepaid card

I made a purchase for XXXX with XXXX XXXX on XX/XX/XXXX. The charge was 18months no interest. The statement states the full balance had to paid in full by XX/XX/XXXX. I made a a payment of {$35.00} on XXXX XXXX and paid the remaining balance of of {$460.00} off on XX/XX/XXXX which bought my balance to XXXX. I made another purchase on XX/XX/XXXX of {$4600.00} XXXX which was 60 months at 14.99 % ). On XX/XX/XXXX I was charged finance charges of {$36.00}. I contacted XXXX and inquired about the finance charges considering I had already paid off the {$500.00} balance and the new charge had not been 30 days. I was told that I did not pay the XXXX off in the grace period therefor the charge was correct. I called in on XX/XX/XXXX and was told the exact same thing. If they are offering a promotional finance and there site state if the promotional balance is not paid in full within the promotional period then all accrued interest will be charged to the account. In my case the balance was paid and I was still charged finance charges. I feel this company is overcharging customers and not following their policies that are posted on their site and billing statements.