23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these accounts are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the banks directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the accounts, or inaccurate information, from my file immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

My home loan was transferred to Nationstar Mortgage from XXXX XXXX in XXXX 2015. Prior to the loan being transferred, XXXX XXXX honored the 15 day grace period for loan payments made online, as outlined in my Note and Mortgage. However, the first month that Nationstar Mortgage was servicing my loan, I made my payment after the XXXX of the month and found a {$9.00} " late fee '' assessed to my account solely due to the fact I made my payment online after the XXXX day of the month. This fee is unscrupulous as it contradicts the 15 day grace period as agreed upon in my Note and Mortgage. I was never made aware of the fee through separate letter ; I had to call Nationstar Mortgage 's customer service department to find out the information. They bury it in the monthly statement under the heading " Payment Options ''. I do not feel it is fair to punish people who make their payments on time, who are current on their mortgage payments and during the legally allowable grace period. Some people do not get paid during the first week of the month and the 15 day grace period allows flexibility to all. 
I was happy to refinance my loan in XX/XX/XXXX to XXXX XXXX only to receive a letter last week that my loan is now being transferred once again to Nationstar Mortgage. Again, I feel this matter should be looked into as it goes directly against the verbiage as agreed upon between Mortgagor and Mortgagee in the Note and Mortgage. I do not want to be subjected to unnecessary and illegal fees. 
Thank you for your time and consideration.
Product: Money transfer, virtual currency, or money service

I am the owner of a Coinbase account that is a cryptocurrency investment company. From several months the company has blocked my account with the words " account under review ''. I have tried to contact the company but it is impossible. I have carried out all the steps that have been requested but it has not served at all. It is a closed circle in which you can never talk to anyone.I have sent them all the documentation several times but it can not be solved. 
My account is associated with the mail XXXX and my name is XXXX XXXX XXXX from XXXX. The password of the account is XXXX @! 
The documents that I have attached are the driving license and the national identity documentation fof XXXX. These are the documents that Coinbase have from me.
Product: Credit card

I placed an order for 2 watches on XX/XX/XXXX. The company ( XXXX XXXX ) was unable to fulfill the order. I requested cancellation in writing. They acknowledged the cancelled order. They also agreed to the credit. The charged amount was {$32000.00}. I never received the credit so i issued a dispute with Goldman Sachs Mastercard. The charge still remains after 4 attempts to dispute and no one from Goldman Sachs ever reaches out or resolves the issue. The company has never sent over any proof that i received the watches ( which I did not ). I have submitted proof to Goldman Sachs in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and again in XX/XX/XXXX that this order was cancelled but the still ignore the dispute and keep charging me.
Product: Checking or savings account

I opened the priority checking and saving account through the promotional link on the Citibank website on XX/XX/2021. 

XXXX XXXX XXXXciti.comXXXX  The promotion period is different now but it is the same offer that I signed up for. It states that I would be receiving {$700.00} cash bonus if I open both account and deposit {$50000.00} and maintained for 60 days. So I made the account and transfer the money and made sure everything is followed according to the fine print. 

A few months gone by I have not received the bonus. On XX/XX/2021, I contacted the bank through direct chat and the presentative said that I would be receiving the bonus cash on XX/XX/XXXX or before. On XX/XX/2021, I have not received the bonus and I contacted the bank again. The representative told be they would need to open a case for investigation. A week later, I received the case status stating that the no promotion associated to my account which contradict the fact I signed up through the Citibank promotional link and still no bonus. I contacted the bank via and spoke to the supervisor to no available. I would like to have my cash bonus and this issue disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the months of XXXX, XXXX, XXXX, and XXXX of XXXX, I asked Lexis Nexis to have the inaccurate public records data suppressed for two reasons : Firstly, because of an inaccurate public record that they have supplied to the three credit bureaus : XXXX XXXX and XXXX and secondly because of the increasing and alarming rates of identity theft and data breaches occurring. After four months, I finally received a letter from Lexis Nexis on XXXX XXXX, XXXX, which I have included for your review to Opt Out. Well, this inaccurate public information ( Bankruptcy ) is still being reported to the three credit bureaus as I have rechecked my credit reports on XXXX/XXXX/XXXX. This matter has caused me great XXXX and XXXX XXXX. I do n't know which way to turn as Lexis Nexis is violating my rights as a consumer. This company has been putting consumers through the ringer for years, and it is time that they are stopped. Please help me.
Product: Credit reporting or other personal consumer reports

I asking to please remove all other personal information from my credit report because I'm afraid that I might be susceptible to identify theft. I should have only 1 name ,1 resident address ,1 employment and correct date of birth on credit report.
Product: Checking or savings account

XXXX BANK OF AMERICA HAD A CLOSE ACCOUNT AND IT WAS A MISUNDERSTANDING THAT BANK OF AMERICA REPS TWISTED THE ISSUE AROUND TO BLAME THE COMPANY AND HAD ME FILE A CLAIM TO SHOWXXXX WAS THE COMPANY DOING. I HAD A RENTAL CAR AND I WAS SEEING DOUBLE OUT MY ACCOUNT BOA SAID LETS FILE A CLAIM SI I AGREED TO FOR XXXX DOLLARS I LATER IN XXXX TALK TO ACCOUNTING FOR THAT COMPANY CAUSE IN XXXX BOA TOOK MONEY OUT OF ACCOUNT FOR XXXX AND NO NOTICE OR MAILS SO I ASK WHY AND THEY SAID IM NOT GETTING MY MONEY BACK THAT FRUAD IF I HAD DID THAT WE BE IN COURT. XXXX SAID THAT THEY WAS COVERING UP FOR A MISTAKE THAT BOA MADE AND LATER CAME IN A ACCOUNT AND TOOK MY FUNDS. SO BOA SAID THEY CAN DO IT WITHOUT ANY REASON AT ALL. XXXX XXXX I PAID IT TO THEM BUT BOA STILL STOLE MONEY WHICH IS NOT RITE
Product: Credit reporting or other personal consumer reports

I have received your response to my complaint and now require this so call proof you have to validate these accounts and lates as accurate. I'm not sure what your intent is in verifying false information on my credit report but this negligence can not continue. This is a serious error on my credit report. I need this fixed and these accounts deleted : XXXX XXXX  Account XXXX XXXX XXXX Account number XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint because I sent formal dispute letter to Equifax regarding XXXX late payments incorrectly reported on my credit file for the account with XXXX XXXX XXXX ( Account Number : XXXX ). These late payments, from XX/XX/XXXX and XX/XX/XXXX, should have been marked as " on time '' due to the protections provided under the XXXX XXXX. 

As a result of financial hardship caused by the XXXX pandemic, I qualified for accommodations under the XXXX XXXX  which requires creditors to report accounts as current if a payment accommodation was granted during the pandemic. I believe these late payment entries were either reported in error or without full consideration of my rights under this law. 

In my letter to Equifax, I requested that these payments be corrected to reflect an on-time status to resolve the matter. I included all relevant details in my dispute, including my account information and my request for an investigation into this matter. 

Despite this, I have not received a satisfactory resolution, and these late payments continue to negatively affect my credit score. I am seeking the CFPB 's assistance to ensure that Equifax comply with their legal obligations under the XXXX XXXX  and the Fair Credit Reporting Act ( FCRA ) by correcting these inaccuracies on my credit report.
Product: Credit card or prepaid card

On XXXX at XXXX there was a charge from my Cash App card for XXXX that o did not make or authorize and at XXXX another unauthorized payment was taken from my account for XXXX. Both unauthorized usage went to XXXX Store in XXXX, Texas. I tried reaching the merchant by phone but they only have a chat support service. I did the consumer chat service and explained why I was calling they told me that they show no charges for the money I reported was to XXXX  Store. I called Cash App again and reported what the merchant told me. Cash App sent me a long list of things that I needed to file with them for my case. I promptly fill out their needed information and sent it to them completed. That was done on XXXX, now today XXXX they sent me another long list which asking if I filed a police report. I did contact the police here in XXXX, Texas where I live and filed a report but Cash App wanted a copy of the report in full detail sent to them also. The police told me that they have never heard of a company request for a copy of a report sent to them. But the policeman gave me his name, badge number and phone number and me to give Cash App this information and they could call him and hell give them the information they need about the report. But I cant reach Cash App to give them the answer to what the policeman told me because a recording from each time I called says that they have a high volume of calls and to request a call back to the number I dialed from. Well I did that and they did call and asked me what problems I was having. I told them about what was happening and I wanted an update on the case I file with them concerning my money missing from my Cash App account but the phone went silent and I got no response from them after asking was they still there 3 times I hung up. Social Security is all I get and to have this money fraudulently and unauthorized taken from me is very serious, they took all of the XXXX cents I deposited in my Cash App account and now they seem to be ignoring me or sending me more questions about why I need to fill out more paperwork. I need help retaining my money back from my Cash App Visa Card. I have a medical trip out of State and that money is needed badly for this medical trip. Please help me.
Product: Credit card

In XX/XX/XXXX I enrolled in a XXXX Chase credit card offer for {$300.00} statement credit and XXXX bonus miles after qualifying purchases. On XX/XX/XXXX my XXXX account was credited XXXX miles. I knew this was an issue because after qualifying purchases the amount should have come together. I called Chase and XXXX and was assured that the offer can come in pieces. I did also confirm with the Chase XXXX that I had enrolled in the correct offer, just had to wait until 60 days after the qualifying purchase for the full amount to credit. A research request was also submitted for which I received a letter XXXX weeks later stating that my offer could not be switched when of course I did not want it switched, just to get the bonus miles I had enrolled for. I have now called XXXX and Chase a total of XXXX times, each pointing the finger at the other saying it is not their responsibility. I was able to confirm that Chase is responsible for the sign on offers. I escalated a final time to a Chase Supervisor ( XXXX and XXXX XXXX who stated although they have a recorded line acknowledging the offer I signed up for, that I must have taken the wrong 'path ' when signing up for it even though I very clearly have the brochure, picture attached and certainly wouldn't make up a 'path ' for a reduced offer.
Product: Debt collection

My complaint is in regard to a letter I received from " Transword Systems Inc. '' seeking to collect a debt which I have already paid.
<P/>
Brief backstory : From XX/XX/XXXX to XX/XX/XXXX I rented a vehicle with XXXX XXXX through their program with XXXX. On Saturday XX/XX/XXXX I returned the rental vehicle to XXXX XXXX. The employee with whom I returned the vehicle explained to me that since it was Saturday, the staff who handle their XXXX vehicles were not in that day - and that I would be called on Monday XX/XX/XXXX to resolve any outstanding balance. Monday came and around XXXX XXXX. I realized I had not been called by XXXX, so I called them and spoke to " XXXX '' about paying my outstanding balance. I told him that I had sufficient funds in the debit account which they had on file, and he said that he would attempt to make the charge and then call me back. He never called back, nor was I charged. On XX/XX/XXXX (XX/XX/XXXX ) the two deductions were finally made from my debit account ( one in the amount of [ {$110.00} ] and a second in the amount of [ {$180.00} ] totaling [ {$290.00} ] by XXXX XXXX.
<P/>
Complaint : On SaturdayXX/XX/XXXX I received a debt collection letter dated XX/XX/XXXX from " Transworld Systems Inc. '' on behalf of " XXXX XXXX ''. This collection letter is dated 20 days after XXXX XXXX deducted the exact same amounts from my debit account. The letter claims : " CURRENT BALANCE DUE : {$290.00} This Balance is a Sum of Balances from 2 Account ( s ).
See additional page ( s ) for account detail. '' On the additional page with account details, the following balances are listed : " {$110.00} '' " {$180.00} '' In short, on XX/XX/XXXX - two deductions were made from my debit account by XXXX XXXX for the exact amounts and total above ( one for {$110.00}, and a second for {$180.00} - total of {$290.00} ). 20 days later, Transworld Systems Inc. dates a debt collection letter to me on XXXX 's behalf for these exact balances which I have already paid. I can provide a bank statement showing the date and amounts withdrawn from my account by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When the XXXX breach happened, it was recommended to put security freezes on our accounts with the big 3 credit bureaus. Whereas XXXX and XXXX allowed this for free, TransUnion wanted {$10.00}, but they would put a " Security Lock '' on my account for free, so I did that. Upon attempting later to remove that lock, the online TransUnion account that it had me set up, would not allow me to remove it, only to change it to a Freeze for {$10.00}. I called the listed number. It took 4 separate calls to different numbers. Each time, I was put on hold, then had to give all my identification verification information, then was told I needed to be transferred to another department, was transferred, put on hold again, then had to give all my identification verification information again, then was told I had to call a different number. Every time, it seemed I was getting to the same initial department, and transferred to the same second department. All were offshore call centers. On the 4th call, the second department successfully removed the lock. This was a very abusive experience.
Product: Credit card or prepaid card

I signed up for a XXXX Amex Card over the phone. The representative verbally offered me XXXX sign up bonus. I agreed, and proceeded with the application on XX/XX/XXXX. I received an email in order to continue with the application. This email also stated the terms and condition which mentions the XXXX sign up bonus points. After spending the minimum spend to receive the XXXX bonus points, I noticed I only received XXXX bonus points. I contacted American Express on XX/XX/XXXX, and an investigation was submitted. After contacting American Express every 2 weeks to get an update, on XX/XX/XXXX, I got in contact with a representative who told me the investigation was closed and that American Express decided the XXXX offer was valid. However, I was instructed to call to speak with someone who could help me if I was not happy with the decision. I spoke to a representative named XXXX ( I believe ), and she told me I could upload supporting documents to support my case. I uploaded a screenshot of the email with the terms and conditions stating the XXXX sign up bonus. I contacted the customer service again on XX/XX/XXXX to see if anything had changed or been updated. I learned that the supporting documents were not taken into account. They essentially didnt matter because they closed their investigation in XXXX. However, I am utterly confused as I was verbally offered XXXX and have an email to support the verbal offer. I feel that American Express has used deceptive tactics to get customers to sign up for credit cards. The XXXX bonus is typically the standard offer. I would have waited knowing they tend to have promotional offers such as the XXXX. This is completely unfair for them to offer me XXXX but then only give me XXXX. I cant do anything at all at this point.
Product: Student loan

XXXX XXXX XXXX, American Education Services has been lying to me about what debt cancellation options are available for my private loans from XXXX. Their employees have refused to file a fraud dispute on my loan that was for tXXXX XXXX XXXX XXXX XXXX despite being part of the XXXX XXXX XXXX main class they tell me I have no case for Debt Cancellation under the Holder Rule. Several employees did not know what that was and expected me to send them documentation while denying to file a dispute. Another employee sent an email making false claims about loan discharge " Thank you for contacting us. 

The information included in the previous e-mail has been notated in your account and our office is sorry to hear about your previous situation with your school. Unfortunately, we are servicing the private alternative student loan and unfortunately, this loan does not offer any discharge or forgiveness options and you will remain responsible for the repayment of the loans until the account is Paid in Full. Please accept our apology again for any inconvenience this may have caused. '' So this employee is either telling me I have no Consumer Protection Rights or XXXX Bank violated Federal Law by not having the Holder In Due Course Rule. I notified American Education Services of my being part of the XXXXXXXX XXXX XXXXXXXX case well over a year ago and they are still collecting on a loan tied to fraudalent services. They have refused to file a dispute or properly look into the matter for me. I had a XXXX minute phone call where I had to go through XXXX customer service representatives where XXXX out of XXXX flat out refused to file a dispute while failing to act in their capacity as intermidiaries between me and XXXX XXXX They have not given me accurate information on my loan. The third only took a note while telling me they filed a fraud dispute but my account doesn't show they did so I don ' know how true it was.
Product: Credit reporting or other personal consumer reports

I have asked XXXX, XXXX, and XXXX to send me validation.. I have called and sent letters numerous of time.. I have also sent in my driver license, social security card, and an light bill.. I have not gotten any resolution
Product: Debt collection

When I was looking in to this internet loan it was 2019. 

35.95 % intrest, - {$10000.00} financed-, {$6400.00} intrest. 
Company XXXX, XXXX XXXX XXXX XXXX XXXX The person told me that if I couldn't repay the loan we could go to arbitration and greatly reduce to amount. However he also stated that if for whatever reason they did not offer me arbitration not only would the loan be null and void but the company would have to pay me a minumin of {$7500.00} and any legal fees. Now they are threating to get a judgement against me. I am XXXX XXXX XXXX living, or trying to live on social security.