23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

on XX/XX/21 my email was hacked temporally. I had a Coinbase Account associated with the email. I was able to get control of my email address within a few hours. They never hacked the coinbase account. It was secured through XXXX. I emailed Coinbase customer support to inform them of the security problem. My plan was to switch the email to a more secure email address for the account. They emailed me back and elected to lock the account down. Since that time - now 5 weeks ago. They have not allowed me access to the account. There is money stored on their platform as cryptocurrency. I have no access to the account. They have sent emails stating they have turned the case over to a specialist but have not emailed me anything further. I have filed a separate Coinbase complaint ticket. They said they would respond within 15 business days. It has been 5 days now but I have read they do not respond to these emails and I want to be proactive. Someone needs to investigate Coinbase for fraud. The internet is littered with thousands of similar stories of customers being locked out of their accounts.
Product: Checking or savings account

I opened a chase account Monday XX/XX/21, I received my card XX/XX/21. I tried making a deposit in the chase atm on XX/XX/21 in the amount of {$2800.00}. The atm took my money, did not confirm the transaction and then returned a receipt with a telephone number to confirm my deposit went through. My account does not reflect the transaction, nor am I capable of talking to a representative due to its Sunday. This service is beyond terrible and unfair to the costumer who is in need of access to the money. It was cash, so there would be no need for clearance as it would for a check.
Product: Payday loan, title loan, personal loan, or advance loan

I first got a title loan on my car last XX/XX/year> and was making the payments like I do any other bill except every time I paid an insane amount for the loan plus $ XXXX more than what was due each month, I noticed my amount I owed towards the loan was either going up or staying the same. When I asked why am I paying a crazy amount each month yet I am getting now where in the process. I should of paid the loan off XXXX times by then by all the money I put to the loan. The lady said I am only paying to be able to use money again. I said no ma'am that is not what I was told. Just last week I paid {$300.00} on XXXX and the account went to {$3600.00} which is crazy how did it go up but on XXXX I paid {$250.00}, and it went up to {$3700.00}. That is ridiculous. I want out of this loan asap. I have wasted {$6000.00} on a loan that was {$3500.00} and it keeps going up! This is a fraud and a scam, and I am done with it and want out and this place shut down for praying on innocent XXXX XXXX victims that are desperate in need since they have to deal with the other idiots that won't fix her credit reports! Please help me with this and all the other companies that take advantage of innocent XXXX XXXX victims. Thank you!
Product: Credit card

I am writing to request that your agency complete a thorough investigation of the practices of Synchrony Bank. This company has repeatedly resorted to closing out credit accounts on my credit profile as well as, reducing the credit limit on several store credit cards all which creates a negative impact on my credit profile. I currently maintain 6 credit store accounts with Synchrony Bank, on speaking with their representative over the phone to understand why this has happened, the letter they are stating was sent out to me which never arrived at my mailing address, the contents of the letter is not making sense, because if it is my credit assessment that has caused them to close an account why did they not close all accounts. I maintain all my accounts with on-time auto payments and even {$0.00} balances. 
Synchrony Bank maintains too much of a prowess in the retail industry as they are the the bank that manages most store credit cards, their monopoly-like operation and practices need to be addressed as they are affecting the credit profile of many of my colleagues, who have similar complaints. Synchrony Bank has closed account ending XXXX XXXXynchrony Home card and has lowered my credit from {$600.00} to {$100.00} on account ending XXXX XXXX XXXX XXXX XXXX All these unfair practices being done I was never properly informed, as no correspondence was ever sent out to me. 
I currently maintain credit cards for several years now with major banks such as XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, and I have never encountered these types of issues with these banks. So please, let me understand exactly what type of system they are using different from these major banks in their business practices and also if these practices are warranted on the consumer. 

I look forward to hearing from you on this matter, as I take great pride in maintaining a good credit profile.
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX  XXXX XXXX XX/XX/XXXX {$750.00} XXXX  XXXX XXXX XX/XX/XXXX {$750.00} EQUIFAX= XXXX XXXX XXXX XX/XX/XXXX {$750.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX {$9900.00} EQUIFAX= XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$9900.00}
Product: Debt collection

Cedars Business Services , LLC said that I needed to respond to a alleged debt letter by XX/XX/2023, they have not responded in the 30 days that they said they would. I sent them a certified letter on XX/XX/2023 in which they received XX/XX/2023 for this account to be removed, to Cease & Desist all communication & that the debt wasn't valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights.

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 SECTION 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 through XX/XX/2023 I was notified by Experian XXXX XXXX that a series of credit inquiries were happening on my credit profile. I did not authorize anybody to run my credit. I did not give my information to any company, and I did not go looking for any sort of credit at all. The notification led me to immediately lock my credit profile.
Product: Money transfer, virtual currency, or money service

I sent money on Zelle a while ago and it was to the wrong person and there was nothing that couldve been done no refund option was I spoke with someone and long story short after going back and forth there was nothing to be done
Product: Credit reporting or other personal consumer reports

XXXX ( XXXX XXXX  ) reported to Transunion in XXXX XXXX  an unpaid debt of {$160.00}. I immediately paid the debt and was told by XXXX that it would be removed from Transunion by XXXX. After seeing the account was not removed, I filed a dispute with Transunion, including a copy of my bank statement. Transunion closed my dispute ; I disputed several times again, only for it to be closed. The company was permanently closed when I attempted to contact XXXX at XXXX. When discussing the dispute with Transunion, they stated that XXXX is reporting the account has not been satisfied. Knowing this information was untruthful, I asked for their contact information for XXXX. Again, I received the same information I already have from a company, which is permanently closed. I am getting nothing but a run around from Transunion, even after proof of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've sent in multiple letters to include ones that were not responded to within 30 days. I've sent in a letter on XX/XX/XXXX, XX/XX/XXXX. I also sent in multiple fax documents to verify identity and list of fraudulent activity on my account. As of XX/XX/XXXX nothing has been done and every time I talk to someone on the phone I get a different answer on what the policy is to remove fraudulent activity/inquiries. 

As of today, I am extremely concerned that Equifax is breaking the law by telling consumers that they must pay for an attorney to notarize my documents before they can take action. I spoke to a floor supervisor named XXXX, he said his badge number is XXXX and as of XX/XX/XXXX all consumers who are victims of fraud must obtain an attorney to notarize any documents I send in as proof of fraud. Additionally, that they will no longer accept FTC or police reports as verification of fraud. In today 's time this is extremely hard to pay hundreds maybe even thousands of dollars to obtain an attorney for erroneous inquiries on my account. I believe this is unfair to consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a handwritten letter on XX/XX/XXXX regarding fraudulent hard inquiries that were posted on my account to all three Credit Bureaus.

I put them on notice having understood they have violated 15 USC 1681 ( B ) As I have the right to privacy and a consumer reporting agency can not furnish an account without my written instructions. Both together and separately my consumer and privacy rights are being violated. I demanded that my account be cleared of the following hard inquiries within my initial communication. I reminded them that it is the duty of the bureaus to accurately report information which as of now is not being done. 

Equifax is still holding these inquiries on my account as of XX/XX/2022. 
As the consumer, I have been injured due to Equifax 's willful noncompliance. They received my letter on the XXXX of XXXX and I gave them 10 days to take action and nothing has been done. 

XXXX - XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 I received an update via mail that the records of the request had been updated. But my credit report reflects that they did nothing about these hard inquiries and I am thoroughly displeased.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX and XXXX are reporting incorrect information to creditors on my credit reports. My credit scores are being lowered drastically ( which are incorrect ) when reporting to creditors. In addition to items still reflecting on my credit reports that shouldve been removed. These issues are reflecting my credit score immensely.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the cares act, government mandated that all school loans be put on deferment. This was done without my approval. When doing so account was reported as such which DIRECTLY caused my credit to dump over 60 points with Transunion and over 20 points with XXXX. I was unable to get a reading from XXXX. I have contacted XXXX XXXX after spending two entire days they finally took my account off deferment and reported such. However, I never could get through to Transunion to repair the credit issue. I was on hold for 3 hours 48 minutes and 36 seconds with this company. I also disputed online however was unable to get into the account after registering through their system. When I tried to contact them I was disconnected three times. All of this is documented on my phone and I have screen shots that prove the decline of credit due to the educational loan deferment. There is no denying by Transunion or XXXX  that the credit decline was due to the report. I have PAID ONE YEAR IN ADVANCE ON THIS LOAN. I have auto payments and ALWAYS pay on time. This is clearly noted yet they decided to dump my credit by 60 and 20 points. My complaint is with the Government and these reporting companies. How can the government mandate such and then CAUSE harm to citizens? I would like this fixed. This has also harmed my chances of getting an EIDL as I am XXXX XXXX  and have been under extreme hardship due to COVID. This is so unjust and unethical. I believe that this is in violation of the Fair Credit Reporting Act.
Product: Debt collection

XXXX XXXX XXXX called to collect debt on a Macys CC. The initial balance was XXXX but they were unable to reach me and had all wrong information on file. I called them at XXXX to settle at that amount and they are requiring me to pay XXXX. I refused as I never got any correspondence till recently regarding this. They updated my address and communications and filed a dispute with Citi bank. I would like to escalate this as it is affecting my Credit.
Product: Student loan

XX/XX/24 - MOHELA put my student loans into forbearance while they checked to see if there were any benefits I qualified for with the SAVE plan. I never requested or authorized the forbearance. 
XX/XX/24 - I was notified that my loans were going back into repayment and {$37000.00} in interest was going to be added to my principal balance as a result of the forbearance. 

I did not request or authorize what MOHELA did. I have never missed a payment and have included screenshots showing my balance in May ( prior to the forbearance ), proof of the forbearance notification, and the repayment letter where the {$37000.00} was added to my principal balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXXXXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MO XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Reporting Agency XXXX had access to and knowingly stole my non-public information and furnished a credit report. They are a non-affiliated third party as I have them no written permission to do so
Product: Credit card or prepaid card

I always pay the balance due when the statement arrives. On XX/XX/2022 I made a payment using bill-pay to my Costco Citi XXXX XXXX I made a horrible mistake pushing the left most digit over one place. My payment was over by thousands of dollars. I immediately called the company and explained the error. They insisted on sending a check rather than an electronic transfer, which is how they took my money. As of this date XX/XX/2022 I have not received my overpayment. Numerous calls and a letter, that went unanswered, have not helped. I've had to borrow money from my retirement account and family to make ends meet while all this has gone on. The reaction of Citi shows they could care less about what this has caused me. I'm talking about an amount over {$5000.00}!!
Product: Debt collection

In the month of XXXX in the year 2017 a balance of XXXX was reported as delinquent to all the credit reporting agencies
Product: Money transfer, virtual currency, or money service

I am writing to report a serious issue regarding my account on the Wise platform. My account was hacked by an unknown individual, resulting in the unauthorized transfer of over {$2300.00} from my account. Despite my immediate compliance with Wises procedures, including filing a police report, I am deeply concerned about Wises lack of proactivity in tracking the stolen funds.

I would like Wise to clarify whether my funds have been fully transferred out of the Wise system or if they remain within the scammers Wise account. If the funds are still within Wise, I request that they freeze the scammer 's account immediately to prevent further transfers. 

In the event that the funds have already been transferred out, I urge Wise to collaborate with the receiving bank to freeze the transaction and initiate an investigation. Given that Wise has the capability to track the destination of the funds, I believe they should file a claim with the receiving bank without delay to prevent the completion of the fraudulent transfer. 

Your thorough investigation and intervention in this matter are crucial to recovering my funds and preventing future fraudulent activities. 

Thank you for your attention to this urgent issue.
Product: Mortgage

Wells Fargo has consistently been posting my mortgage payments incorrectly. I keep my mortgage paid ahead and every month they apply my monthly payment to the principal. I pay extra towards the principal separately. I had been paying XXXX a month extra and last month started paying XXXX a month Every month I have to call them to update my payments correctly. The last phone call was this morning and nothing has been updated on their end. My next mortgage payment is not due until XXXX and according to their website. It is showing the last payment being received on XXXX/XXXX/15. I understand that the payment I made today wo n't post for a few days. I am frustrated with Wells Fargo.
Product: Mortgage

My loan was picked up by Carrington Mortgage effective XX/XX/XXXX. I received notification of the change on XX/XX/XXXX via email but the email did not have details on my new loan number or how to make a payment. Around the XXXX, I tried to log onto Carrington mortgage site to pay my mortgage but I was not able to. The system would not accept my old loan number. I called Carrington Mortgage and they told me that the system issue was a known one and to wait till after the XXXX and try again. I called again after the XX/XX/XXXX and the rep could not find my account. They told me I should have gotten a letter in the mail. I told they my husband was in the military and we had gotten transferred. I did not have the mail. They told me they did not have my info in the system. About a week later I got a call from a rep that I was late on my payment. She acted as if it was a problem on my side. I explained the issue and she gave me the account number. I was surprised that it was an issue because the email said they payment would not be considered deliguent due to the transfer. On XXXX, I just got my forwarded mail from my old address and now I have a delinquency notice. I think this is horrible service and misleading. The fact that I am considered delinquent is totally contrary to their communication that I had 60 days to get all transfer issues resolved.
Product: Vehicle loan or lease

I called 3 days in a row to get my car title which I was never given. I was given a title from XXXX which I payed the vehicle off XX/XX/XXXX. They also stated that they threw out my title. I told then that was illegal they are supposed to keep my documents for at least 7 years. When I finally got the title the lean holder was still mention even after the fact of me paying off my debt.
Product: Checking or savings account

On the morning of XX/XX/XXXX, I had a balance of {$.00}. I have a budget and a certificate in bookkeeping and know how much money is in my checking account at all times. I deposited my stimulus check at approximately XXXX XXXX and had a balance IN THE BLACK of XXXX. Well, now, my prestigious bank is saying that I had been overdrawn following the last statement on XX/XX/XXXX. This bank is constantly fudging the dates of my purchases and sometimes money just disappears. I may have XXXX  issues, but I'm not stupid. They are exploiting the poor, XXXX, and most vulnerable in society. It's Banner Bank based in XXXX XXXX, Washington. 

My Social Security Number is XXXX.
Product: Credit card or prepaid card

I am writing to lodge a formal complaint against Discover for their inadequate handling of a dispute involving XXXX XXXX, a web design company. The dispute pertains to charges made on the following dates : {$150.00} on XX/XX/XXXX for logo design, which was supposed to be included in the website design package. 
{$420.00} on XX/XX/XXXX for hosting services, to which we were denied access. 
{$1900.00} on XX/XX/XXXX for a complete website design package that was not delivered as promised. 

We had worked with XXXX XXXX for several months, hoping for a satisfactory outcome. However, after numerous delays and missed targets, it became clear that XXXX XXXX was incapable of providing the services we paid for. When we raised concerns about the missing features, XXXX XXXX attempted to charge us additional fees to complete the work that was already included in our package. Upon our refusal to pay these unjustified additional charges, XXXX XXXX ceased all communication and unlawfully locked us out of our accounts, disabling access to our paid products and our team 's work. 

In response to XXXX XXXX 's failure to deliver the promised services, we were forced to invest additional resources to independently construct the website. This included the purchase of a new theme and additional tools such as " XXXX XXXX '' and age gate software. 

Most alarmingly, upon recovery of our work and during our efforts to get our site live again, we discovered that XXXX XXXX had embedded malware into our site code. Our new hosting provider, XXXX, identified 32 suspicious files. This issue was not present prior to the lockout of our accounts, suggesting a malicious act by XXXX XXXX. We are now faced with additional cleanup costs to remove this malware. 

Despite providing all this evidence to Discover, they have not adequately reviewed the case and have denied further assistance. Discover initially approved the dispute on XX/XX/XXXX, but closed it in XXXX XXXX 's favor on XX/XX/XXXX. When I provided additional evidence to continue the dispute, Discover responded by stating " We've received your request to continue evaluating your dispute. After reviewing the information you provided, we determined that we've already considered this information or it was insufficient and we could not continue the dispute. '' This response does not correlate to a fair review of the information as they could not have possibly previously reviewed the information provided and the information provided showed clear evidence of malice and unlawful actions by the merchant including consumer fraud. 

In light of these facts, I believe my complaint against Discover 's handling of the dispute is well-founded. The evidence provided paints a clear picture of a financial institution that has failed to adequately review and handle a dispute, resulting in significant disruption and financial loss to our business. 

I look forward to your prompt response and hope for a swift resolution to this matter. 

Best regards, XXXX XXXX