23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Im was a XXXX XXXX with XXXX, l was introduce to XXXX currency trading last year with XXXX, since both are well trusted exchanges i thought my money was safe, after I open an account with XXXX, a group of XXXX currency traders approached me via XXXX, they claimed to have an exchange where you could learn to trade on daily basis XXXX and render profits with their data advice and guidance, I thought they were a serious trustable group since they got my info from XXXX. 
The platform was fake and theyre a group of very sophisticated skilled people who scammed into deposit my hard earn savings to their platform under the false assumption I was doing honest day trading The platform is XXXX The money travel from my checking account from Wells Fargo to XXXX and into their fake XXXX address The money was lost and I need someone who can help me retrieve my money. 
Again the transactions were made willingly, thats the mere definition of a scam and Wells Fargo refused to refund the funds because they were authorized transactions, but they can verified the money travel to a scammers account.
Product: Debt collection

This company is violating several XXXX laws. I sent them a notice asking for the documents of how I owe them any money but they are refusing to send me anything. If anyone shared with them any thing about me going to a hospital that is also against the law.
Product: Vehicle loan or lease

I had a car threw Porsche Financial. I did a valuntary repossession with it>. The car was sold. It has been XXXX  yrs which makes the account go under statute of limitations. I went to Porsche and ask them could they remove this inquiry off my account and they told me that I have to go to the 3 credit bureau to get it. off. The bureaus told me I have to go to Porsche. So where do I go. Its been XXXX  yrs and this should be off my report. Mr resent credit update came back and its reading like Im still paying on the car and that I am in good standings. How can that be when I gave the car up XXXXyrs ago. Can you please take this item off of my credit report. First you are reporting that I am in good standings and then you are reporting that I am still paying on a car that I dont have. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX, ( Original creditor XXXX XXXX ) Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

I had a checking and savings account opened without my permission and someone was taking money out of my account and transferring to the fraudulent accounts without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX and XXXX are continuously reporting fraudulent accounts due to identity theft to my credit profile such as XXXX, XXXX AND XXXX XXXX. 

Upon researching I have found that the address used to verify these accounts is XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. 

I have never lived at this address and I do not own a Florida drivers license nor ID. 

These accounts are fraudulent and I have furnished multiple times to these credit reporting agencies that my correct address for 15 years has been XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Fl XXXX.
Product: Checking or savings account

My account was closed with no explanation. When I tried to reopen I was denied.
Product: Mortgage

Shellpoint Mortgage has not solved issues of unjustified billing of {$3100.00}, erroneously filing credit reports and turning over my title to a Utah attorney for foreclosure, when I was in good standing. I have been trying to solve these issues with Shellpoint since XXXX XXXX XXXX 2016. 

I am trying to close on a refi and their continued lack of effort, is holding up the process and correspondingly increasing my payment, with interest rates going up and having to pay for another appraisal because of their delaying the close. My Mortgage company will not close without these issues being resolved. 

Shellpoint has already admitted their error and corrected the credit bureaus now I just want my money back.
Product: Vehicle loan or lease

On XX/XX/XXXX, I called Audi XXXX and spoke with XXXX about extending the lease on my XXXX XXXX Audi by 6 months. XXXX told me that they could extend the lease by 6 months. However, the lease amount would not change. I thought that was great since the lease amount includes incremental services payments ( the Audi Pure Protection and Audi Care ). I was interested in continuing the service agreement for those 6 months. XXXX informed me that I would have to contact Audi services to inquire about extending the service portion of the lease agreement. That same day I called XXXX XXXX and spoke with XXXX. XXXX told me that Audi XXXX  would need to inform Audi Financials regarding an extension so that they can update the contract accordingly. I thought this was great, so I called Audi XXXX on XX/XX/XXXX, and worked with XXXX to extend my lease by 6 months. XXXX told me that I would have to send a copy of the lease extension letter to Audi Services to get the contract extended by 6 months. When I received the lease extension letter, I called Audi Services on XX/XX/XXXX, who transferred me to Audi Financials to get the service portion of my agreement extended to match the lease extension. I was told by XXXX in Audi Financial that I would have to cancel the current service agreement, pay them a buyout, renew the service agreement, and start paying them each month for that service. I was confused and taken aback by this conversation, so I proceeded to gain some clarification. My statement to XXXX was ; " so Audi XXXX will not decrease my lease payments to remove the service portion of those payments, so I am paying for something that I am not receiving ; Audi Financial would like me to pay a buyout, on top of the payments that I am making to Audi XXXX for services not received ; and then pay incremental monthly payments to Audi Services to receive the services that I am already paying for in my lease agreement? XXXX explained that Audi XXXX does not give them any of that money from the extended lease. I told him that this scenario only benefits Audi at the customer 's expense. I understand why they would put this policy in place because they get paid more than twice the amount for the services I previously bought. I told XXXX that Audi is one company and should put policies and processes in place across the entire company that does not permit them to commit consumer fraud. He mentioned that this was their process and offered no apologies, understanding, or recommendations. I informed him that I intended to file a formal complaint in hopes that this could drive change in Audi that does not take advantage of their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

During XXXX XXXX XX/XX/ I was a victim of identity theft and my information was used to apply for several accounts, which resulted in me filing a report with Identitytheft.gov and contacting each bureau to resolve as well as dispute the hard inquiries acquired. I reached out to Bank of America regarding the fraudulent application and was informed that someone from the fraud investigation team would be contacting me, but no one ever did. XXXX informed me that the account was closed and would be updated with all three bureaus to reflect as fraudulent but only a few months were deleted from only my XXXX report and not the overall account as it is still reporting as delinquent and negative. I also contacted XXXX to inform them that I had not submitted an application and was told, " the application was submitted online and flagged as potentially fraudulent, which resulted in an instant denial due to further review being needed '', and was informed that it would be removed within 90 days but that wasn't the case.
Product: Debt collection

There is a company by the name of Credit Counsel , Inc. located XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX Phone ( XXXX ) XXXX representatives name is XXXX XXXX. He has been sending me letters and calling me trying to collect a debt from " XXXX XXXX XXXX XXXX '' which I do not owe and after speaking to the XXXX XXXX XXXX corporate office they assured me this company does not represent them and that I do not owe them any money. I have attempted to have this XXXX XXXX understand that there is a mistake but all he does is threaten me with reporting to my credit and insult me calling me a liar and a fraud and that i'm going to pay for this. I have emailed him papers showing I don't owe them but he doesn't care. I have no idea who this guy is and i'm tired of him calling and harassing me its been going on since XXXX of this year and he claims I owe {$5000.00}.
Product: Mortgage

At the end of XXXX of XXXX  my mortgage company Flagstar Bank had their collections call and said my payment was late. After looking into it my payment was made online. Flagstar requested proof of payment on an email. This email was sent on XX/XX/year>. Flagstar said it could take up to 14 days to review. Flagstar would continue to have their collections call looking for payment and I would have to explain to them the payment was paid and I sent proof to an email that they provided. Finally, one of the collectors suggested to check the online payment process with my checking account and that it may be stuck in that. The payment was sent to Flagstar but not processed correctly. I contacted Flagstar after finding the payment and returned to me I made the payment. I spoke to a supervisor about my late fees removed and my credit fixed. She agreed to do so because they found my email with proof of payment in XXXX. The next mortgage statement still had my late fees, and my credit was still affected. So, I called Flagstar again and spoke to a different supervisor and she said they would not remove the late fees and fix my credit. I tried to explain to her that the proof of payment was sent on XX/XX/year>, and wasn't contacted by anyone other than their collections. She still wouldn't change it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried and contacted equifax on many occasion and have not yet received a copy of my credit report and still after 2 yrs cant get my free online credit report thru the XXXX XXXX XXXX  site
Product: Checking or savings account

I have asked to close my account several times. When I call, despite hold times over XXXX minutes, I get transferred among groups. I tried XXXX times last week to resolve this. I have also emailed XXXX XXXX XXXX ( SVP, Customer Experience ) on XX/XX/XXXX and XX/XX/XXXX with no response.

I want to close my account because of the poorly performing website ( endless error messages ) and even worse customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediately! 
XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX : {$6800.00} ; XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance XXXX {$22000.00} ; XXXXXXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX XXXX XXXX : {$7100.00} ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX XXXX XXXX : {$240.00XXXX XXXX XXXX XXXXXXXX Balance : {$9300.00} ; XXXX XXXX XXXX : {$8700.00} ; XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$9600.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$400.00} ; XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

i opened a coinbase account because i thought the company was reliable i have receipts of me sending money into my coinbase account i sent several hundred dollars into the account so there is money in there but im not getting access to it coinbase has pretty much taken my money and will not give it back the username of my account is XXXX and i funded the account from the bank account in America its ACH so i can see when i put the money in
Product: Checking or savings account

Hi there, I opened both checking account and saving account with Chase on XX/XX/XXXX with coupon code XXXX XXXX XXXX XXXX. At the time of opening account, I didn't have any checking/saving account with Chase. 

I reached out to Chase last week inquiring about the account bonus and was told that they couldn't apply the coupon because I received a checking account bonus within the past 24 months. 

Note that I never received any saving account bonus in the past, and according to the Chase representative- since coupon code couldn't be applied, I won't be receiving saving account bonus either. 

This seems highly fraudulent marketing practice and I believe has violated the T & C for the promotion. Please kindly advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my sixth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$10000.00} XXXX XXXX Balance : {$1200.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00} XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00} ( Original Creditor XXXX XXXX XXXX Balance XXXX {$80.00} ( Original Creditor : ) 14560827****Balance : {$650.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance XXXX {$10000.00} XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$5500.00}
Product: Debt collection

National Credit Adjusters are damaging my credit by using fraudulent documents with a copied signature and typed-in date. Despite settling and closing my account with XXXX XXXX in XXXX, they are now illegally reapplying a negative post in XXXX as an updated contract.
Product: Credit card or prepaid card

Applied for, and was immediately approved for, a Citibank credit card with a promotional sign up bonus ( 20 % off Bloomingdales purchases in the first two days, up to {$250.00} ). I placed a qualifying order, which was cancelled after pending for three days. On investigation, it turned out that the card was declined as it was pending some sort of verification check ; Citibank never reached out to me ( although I provided complete contact information, and as far as I knew from web application had been approved ). I asked whether the sign up offer would be honored now that three days had passed, and was told it would not be. This seems to me at best misleading ; I abided by the terms of the card promotion, yet am deprived of the inducement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX & XXXX Date of Inquiry XX/XX/XXXX
Product: Credit card or prepaid card

-XXXX  XXXX 2022 paid {$37.00} to comenity with my XXXX  XXXX XXXX account- have an account with credit karma that reports overdue payments for this card -I have been paying on the comenity account and should not be late- the comenity account is in an old last name, different from my current name. 
- I am using XXXX  to monitor my XXXX XXXX- It has XXXX ID alerts- I have been changing emails and passwords to try to protect myself- I am worried my son may have been a target too- I reported the 34 ID thefts to XXXX XXXX sheriff - I had a {$.00} fraudulent charge from XXXX- I called them and it was fixed - it also came out of my XXXX  XXXX XXXX account - I believe my XXXX email account was hacked because that is the main email reported on my XXXX  - 34 companies including XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX and more are associated with my XXXX email account - some of the accounts associated I have no memory of opening and I do not believe I did open them.
Product: Credit reporting or other personal consumer reports

This letter is to inform you that I received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate and/or not belonging to me. The accounts in question are attached on a separate page. 
Please send me a copy of the documents that you have in your file as of the date of this request, that you used to verify the accuracy of the accounts that are attached. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681, I have the right to demand that you disclose to me all the documents that you have on record and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Send me copies of the documents that you have and Please do not respond to my request by simply saying that the accounts have been verified or updated, but please send me the documentation that you used to verify that accounts in question. If you are unable to provide the requested documentation and/or do not have the documentation in your files as of the date on this letter then DELETE THEM IMMEDIATELY as required under Section 611 { a } { 5 } { A } { i }. By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and damaging my creditworthiness. 

Under the FCRA are U.S.C 1681i, all unverified accounts MUST BE PROMPTLY DELETED. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of these inquiries from my credit report. Please provide me with an updated credit report showing items removed. 


Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

This is what I have written to TransUnion after they falsley recorded a negative entry on my credit file : _______________Letter with evidence to TransUnion_________________ Dear Sir/Madam : I am disputing your credit report on my file number XXXX as these are completely inaccurate entries on my report regarding XXXX. I have complained to you and you have declared that your investigation is complete. You also mentioned that, " For details, see below ''. However, that " below '' is empty- blank! - Nothing is in there. 

You are the protector of our financial practice and we depend greatly upon you. However, I have no idea if you even looked at the documents I have sent via US mail. My documentation has enough evidence to support that I am not responsible for XXXX. I understand you business depends on these clients like XXXX, but how about general consumers like me? 

All of these started when I tried to move my service to another carrier. How a telephone company owe {$2100.00} to XXXX individual? What were they doing? Are they really in proper business practice? How did I switch my service including phone numbers to XXXX from XXXX if I owe that much as they claim? 

I have provided you with some information and I am not convinced that you looked at it. So, I am sending more proofs in writing in a chronological order. I am also sending copies of these documents to other federal and state agencies, including the XXXX finance committee. 

As you can see from the attached correspondence, in chronological order, I repeatedly contacted XXXX, after they cancelled/suspended my account due to the fact that I told them about my desire to switch XXXX Company and made every possible attempt to resolve these issues and made so many phone calls and emails but XXXX never responded. If XXXX can provide any communication in response to my correspondence/emails, besides asking calling them, I would like to see those correspondences. I appreciate it very much if you can tell me how you have accepted such a bogus claim and put on my credit report? 

I wish I could submit this online, but your site did not work and suggested me to mail the complaint. 

Sincerely, XXXX XXXX XXXX ___________End of my letter_____________________
Product: Checking or savings account

I received and email from Chime Bank on XX/XX/22 with the following message : Following a recent review of your Checking Account, we regret to inform you that we have made the decision to end our relationship with you at this time. Your Checking Account will be closed on XX/XX/XXXX, XXXX I immediately tried to access my account and it blocked access, stating the account was closed and for questions to call or email. I immediately called XXXX and received an automated message that my account was closed and it hung up. Future calls on XXXX and XXXX I can not get through to a person. I emailed on XXXX and received 2 auto messages that they would get back to me. On XXXX I received an email with this Chime has closed the account ( s ) in question per your request to prevent further unauthorized activity. 

Please note that you will not be held responsible for any unauthorized activity and we will not report any information to external credit reporting agencies regarding these accounts. If you receive a debit card from Chime, please disregard and destroy the card.. 
There was no mention of how I would get my funds back. I emailed several more times and have heard nothing. I did not authorize for this account to be closed and need my funds asap.