23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I believe I almost paid off the principal on the mortgage. I owe the bank the deferred money from the Covid crisis. it was around {$4000.00} and it's now XXXX XXXX. The bank refused partial payment and asked for full payment of the deferred amount. The bank wanted to discuss this issue over the phone and refused to put anything in writing, while on the phone they talked about " Mortgage Modification '' and tried to fill out an application by asking personal questions, but I refused to apply for a mortgage modification. The bank insists there is nothing they can do and I have to pay the full amount. 
I filed a similar complaint on XXXX, XXXX and the CFPB computer closed the complaint and never contacted me.
Product: Credit card

I am actively involved in a dispute with american express. I was having difficulty making my payments and was presented with two options. I could either enter into an internal program that required enrollment fee and se ongoing payments for an agreement to freeze the account ( no further deliquent, would not cancel card, etc. ) OR I could pay the past due balance in full. After weighing my options I felt I was able to make the payment in full to bring my account current and would be able to make payments moving forward. Instead, I find out within days they had just canceled my card. This goes directly against what their customer service agent told me. Had I known the second option included account closure I wouldve opted for the program and worked to pay off the balance to avoid a closed account on my credit report. I called immediately and was told that this was a simple dispute that could be easily resolved but the team was out for thanksgiving holiday. Once back from holiday I called and spent another several hours on the phone to be passed around between atleast 8 different departments who all told me they would be able to help me only to pass me on to another department. I was told that a manager would call me back after investigating the problem and still to this day has not called back. I believe this was dishonest business practice and had they given me the honest options I wouldve chosen to enroll in program to avoid account closure.
Product: Credit card or prepaid card

I have a credit card through Navy Federal Credit Union. In the past I got behind on my credit card payments. I contacted Navy Federal to make payment arrangements and since that time I continue to make payments on time. Recently Navy Federal turned my account over to a law office/ collection agency for none payment. As I stated and previous conversations I have been paying this account on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my consumer reports and noticed that I had a late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account listed : Account Name : XXXX XXXX XXXX Number : XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand these payments be updated to " on time '' as they should be, as I was NEVER late.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I sent a money transfer in the amount of {$1000.00} through Moneygram to a relative in XXXX. Moneygram debited the funds from my debit card within minutes. However, the receiver was not able to pick up the money. After contacting a Moneygram agent via phone they stated that the transaction was under the review and that they needed to talk to the receiver. I decided to send the money using another company. The next day XX/XX/2022, I called Moneygram to request a cancelation of the money transfer, the moneygram agent gave me the same generic information that the transaction was under review and that within 24 hours they would have a resolution. I called back a couple more times last week, and today Monday XX/XX/XXXX when I called in the afternoon, again the agent tells me that the transaction is under review and that in less than 24 hours they will have a resolution ( this is the 3rd or 4th time an agent has told me this ). It appears that this company is acting in bad faith and is deliberately refusing to process the cancellation of my money transfer and is sending me in circles and providing me with inaccurate information from what is listed on their website regarding their cancellation policy. I am filing this consumer complaint in order to obtain cancellation and refund of the money that Moneygram charged from my debit card.
Product: Checking or savings account

I have been unable to withdraw funds from my Juno banking service/XXXX XXXX  XXXX XXXX account for the past XXXX weeks. My ATM card has been declined, preventing me from accessing my money ( {$300.00} ) balance. Here is the response I received from the company via email on Wednesday, XX/XX/XXXX. 

Are there any current disruptions in Juno 's banking services? 
Yes, our banking services, including ACH transfers, wire transfers, and card transactions, have been temporarily disrupted in the past few days. We are actively working with our partners to resolve these issues quickly. 
Who is responsible for the disruptions? 
The disruptions are due to issues with our banking services provider, XXXX XXXX XXXX XXXX. Juno is not responsible for the disruptions. We are closely collaborating with XXXX XXXX  XXXX XXXX and our brokerage partner, XXXX XXXX XXXX, to resume regular service operations. 

Please note that I have not heard back from the company. And they have not provided customers with any more updates on their website. It has been XXXX weeks. This is just unacceptable for banking service.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My identity was stolen Im asking that my case be taken into consideration. This is very serious how these accounts were made without my permission.
Product: Credit reporting or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and deletion due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/24 I was contacted by a buyer when selling my daughter 's prom dress through XXXX XXXX. The buyer sent payment through Zelle. I then received an email asking to upgrade my account by adding additional money or I would not received the money for the dress. I offered to refund the money to the buyer as I did not want to send additional money. When I sent the money through Zelle, I then realized I'd never received anything and the emails were scammed. I contacted Zelle who hung up on me after saying I had to contact XXXX XXXX. I also requested money via Zelle to the buyer which was declined. XXXX XXXX can not stop the transaction until it is posted and not pending. I once again contacted Zelle and was cut off and hung up on even after saying I wanted to report XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consequence of your investigation, my credit file was not repaired. My report comprises accounts that are the result of identity theft, as I've already said.
Product: Student loan

I hope my letter finds you well. I would like to file a complaint and open an investigation against Nelnet student loan company. I have had several illegal issues with the company that I will list in order as it happened : I called on XX/XX/XXXX because I had an issue with my XXXX XXXX on FAFSA. The representative on the phone said she will be able to process my application over the phone and she assured me that it was submitted, and she said I have XXXX payment till next year. I asked her if I had any money due, she said no I have XXXX payment and do not have to pay or do anything. She also said I will get an email regarding my status. 

On XX/XX/XXXX I opened my Nelnet profile to check my status, I found no application for XXXX and I saw that my interest got higher. So I called around noon time : I was told that I have no application in process and that my interest started accumulating daily since XXXX XXXX. I was on hold for over XXXX hours and I am working full time so I had to hang up because I had work. Called again after work around XXXX, was put on hold again for XXXX hours. I spoke to another representative and had me submit another XXXX XXXX  application and was told it takes around XXXX weeks to get processed. For my interest : I was not notified via email or mail or even over the phone when I called on XX/XX/XXXX that my interest started accumulating so I asked to speak a supervisor. He submitted a request on my behalf to waive my interest charges as I requested, and he told me my save application I submitted today is in process. I asked him if I was notified by mail about my interest starting, he said no mail or email was sent regarding that. I did tell him what happened on XX/XX/XXXX and that a representative lied about my save application and took my information down and said it is submitted. He said " will go over this in our coaching sessions '' On XX/XX/XXXX, I called again because I did not get any confirmation email for my XXXX XXXX  after I submitted it on XX/XX/2023. Had to hold for XXXX hours and XXXX mins. I was told my application will not get processed till XX/XX/2023 and it will take till late XXXX to get it processed. 

These are the facts and what happened with NELNET over the past XXXX weeks. This company is costing me money for my interest that started, and I was not LEGALLY notified by it before it started via mail. This company is costing me money every day for not processing my XXXX application and my interest is calculated daily. I would like to file a complaint against them and also have my interest waived. I would like to change my loan servicer to another reliable company. Every time I call, I have to hold for over XXXX hours and this is the only way to get a hold of them. I am the only XXXX from my friends that is dealing with these issues because they do not have nelnet.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, INC. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection A ( CFPA ). Specifically, cash app, failed to take timely, and effective measures to prevent an address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the electronic resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconveniences and financial loss, and I seek appropriate redressed for these violations.
Product: Vehicle loan or lease

The payment are very high as well the interest, financial hardship for low income
Product: Credit reporting, credit repair services, or other personal consumer reports

Haven't receive any response from them. It has been over 30 days. this is causing me lots of stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXXI attempted to open a XXXX XXXX  card and was told this was approved- I did not use this card much but when attempted to use it I was told this was actually not approved or opened and that I would need to reapply for a store card- so I went ahead and did again on XX/XX/XXXX- at which point I was told this card was denied, there was no hard credit inquiry that is conducted and that I was not going to have this appear on my report. I am beyond angry and frustrated- I spoke with a XXXX as well as XXXX XXXX XXXX , and XXXX  each on different times stopping by XXXX XXXX or calling in and calling from their help desk to their credit card operators lines to find out why this happened and why my credit report is still reflecting inquiries when I was told this would not occur and was lied to. I am very frustrated as onXX/XX/XXXX, I was told this card went through and when I tried to use it it did not work, I was beyond embarrassed and felt very XXXX I am very disheartened and upset that XXXX XXXX did not help me resolve this matter and am very frustrated that this has negatively impacted my credit score and also impacted my life. Please help.
Product: Checking or savings account

On XX/XX/XXXX I opened a Cashback Checking Account with Axos Bank using promo code XXXX. 

The promotion terms state that a customer must fund the account within 30 days and direct deposit at least {$1000.00} per month. After each {$1000.00} direct deposit, Axos Bank is supposed to credit the account with a {$100.00} bonus within 10 business days. The direct deposit and {$100.00} bonus is repeatable up to 3 times, for a maximum bonus of {$300.00}. Axos Bank is aware of these terms and even communicated them to me in writing on XX/XX/XXXX. That written communication is attached. 

I have satisfied all of the terms. The second and third screenshots in the attachment demonstrate that the account was funded within 30 days and that XXXXree direct deposits in excess of {$1000.00} were completed. Additionally, the communication from the Axos representative ( first screenshot ) shows that Axos has a record of the promo code XXXX being associated with my account. 

Axos Bank has not paid the promotional bonus and has therefore violated the terms of their own promotion. I have reached out to Axos on several occasions to try to resolve this matter with no succsss. They are no longer responding to my messages.
Product: Debt collection

Hello n how r u? Delete now because I have not supplied proof under the doctrine of estoppel by silence. Engelhart v Gravens mo 281 SW 715, 719, I presume that no proof of the alleged debt nor therefore any such debt, in fact therefore exists.

Again, Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block, INC. ) due to inadequate customer service and unfair practices, which violates Consumer Financial Protection Act ( CFPA ). Specifically Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply error resolution requirements under the Electronic Fund Transaction Act ( CFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent off two notarized dispute letters on XX/XX/XXXX and XX/XX/XXXX. It has been over 30 days and I have yet to receive a response from TransUnion. With that being said under the FCRA, if an investigation is not completed 30 days after receiving a dispute letter, they must delete all of the unverifiable and inaccurate information contained within that dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account name : XXXX Account NumberXXXX Account name : XXXX XXXX Account NumberXXXX Account name : XXXX XXXX  Account NumberXXXX  Account name : XXXX XXXX Account NumberXXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ars has changed dates to reflect a newer account that affects my credit score. I wasn't in any hospital in XX/XX/2020 but they have dates that I have
Product: Debt collection

Repeated threatening phone calls in 2019. Said legal action had already been taken. Made several installments to pay the balance in full. Never received statement of payments emailed as promised. Payments didn't show up in my account under their name. Was told after first payment it was a sister company that processes the funds. Don't know this companies name anymore. No contact about the collection has been made to me prior to 2019 or after I paid in full. Also told them I was just getting off of XXXX and going back to work and I did want to fulfill my commitment after the first call but harassment continued until I paid the balance in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a local police report and an identity theft report because my information was used without my consent. I need this to be addressed immediately In accordance with the Fair Credit Reporting act account : XXXX XXXX 
Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card

I opened a Self ( Lead Bank ) credit card account to help build my credit. I paid it off and closed the account because it didn't help my credit score -- it was paid off XXXX of XXXX  -- according to my credit report ( see attached ). Since then, I have gotten an email every month saying my credit card payment ( from SELF ) is due. I verified that this isn't a fraud. However, they kept emailing me every month for over two years. Now, today, they sent an email that says they might report my non-payment to the credit bureau. As I said, my credit report says it has been paid off since XXXX. But the email ( attached ) says I am 20 payments past due. If they report this, it will destroy my score.