23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I had a car loan from Exeterfinance company. I payoff my car loan at last Wednesday ( XXXX XXXX ) and I called and required Exeterfinance company to release my tittle ASAP. The customer service told me they already submit my reqeatment and I will be able to go to DMV to get my title around Friday ( XXXX XXXX ). Then I went to DMV on XXXX XXXX to get my title but I was told by DMV that I need to call Exeterfinance company to release my paperless title in order to process my title. I called Exeterfinance company at XXXX and I talk to the customer service representative XXXX tell her I need them to release the paperless title for me. She said her already submit my case I will be able to get a fax about the release paperless title in next few hours. Therefore I was waiting for the fax from XXXX to XXXX after that. But utill XXXX I still did not receive the fax then I called the Exeterfinance company again at XXXX this time the customer service told me usually the fax will takes 24hours to finish they are sorry for the incorrect information etc. I was very upset, disappointed and frustrated. That was my fourth call to require my title release after I payoff my loan and they keep lie to me. This is unbelievable, unprofessional, and incredible. But I have anything to do just keep waiting until today after 36hours they told me I will be able to get the fax about they release my title but I still did n't receive the fax. Therefore I had to call them again this XXXX. I called three times the first two time they were very rude they said because I 'm in California so I will not be able to be release my title until 10-15days.  Then I told them to listen all the phone calls I had make in the past days and they will know what representatives were telling me about the lien release and what did they promise me when I am going to get my lien releasing documents and I also told them I want to record the phone call in order to save evidences that to protect my rights. After I said I want to record the phone call the manager she hung up my phone call right the way. I was shock and sad. How can they treat the customer this way?
I 'm in California that I can get my title release even fast via the electronic system which was the DMV told me the Exeterfinance will be able to release the paperless title for me right the way. I just need my title back after I payoff my loan. How can they not willing to do it and keep lie to me? I hope someone from the Government can help me with this. I need to get my title back I 'm living in California state. I have the right to require my title back after I payoff my loan. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

A XXXX XXXX account was made on my behalf, without my consent or permission and it has been created and reported on all XXXX credit bureaus. 

My current account XXXX advantage by web bank will end with XXXX and XXXX joined a new financial institute or whatever may have been. 

However, we werent informed that a new account tradeline would be created from this and our old account reported closed on our reports through email. It negatively affected my credit and me buying a home. 
I did not agree, apply or give any personal information for this company to give my information to another company and create and account on my behalf. I want this account removed immediately. It does not belong to me.
Product: Money transfer, virtual currency, or money service

I have spent months ceaselessly trying to inform and alarm Coinbase regarding the fraudulent activities of a company called XXXX. Unfortunately, Coinbase company continues to brush off all my attempts. Their staff is mistaking me for a fool by repeating the same nonsense sentence over and over. I provided the scammer account screenshot to your staff from the XXXX platform and pleaded with them to contact XXXX freeze the accounts on coinbase platforms and tip the FBI, law enforcement, and the Attorney General of Kansas. I provided all my case numbers and any information I could to the coinbase staff. The company continues to provide no useful action against the scammer and wastes valuable time. Now this scammer has withdrawn all her money and fled the country. Since XXXX XXXX and its agents have started scamming people and there is several useful evidence from late XXXX and XXXX that Coinbase has been aramid and informed about this scam company. Unfortunately, the platform refused to take any action against this scam and block them. If Coinbase would have acted earlier, I and countless others wouldnt have been scammed in XXXX. I am holding the conibase company liable for the loss of my assets. I had a few deposits done from your platform to the XXXX site, but the platform didnt alert me until the last transaction, on the last transaction all they did was restricted my account for two months without any explanation even though I contacted the company 's staff several times. Since the Coinbase platform didnt give the reason for the restriction on my account I went ahead and opened an account with XXXX.XXXX  and deposit more money to scam XXXX XXXX If Coinbase 's useless staff would alert me about risky and fraudulent transactions to XXXX then I wouldnt open an account with XXXX  and wouldnt deposit more money to the XXXX site. Its all on them. The coinbase institution is the one who enabled all the maneuvers in this scam. It is utterly tragic that your XXXX  exchange did not sufficiently protect me from this fake investment. Coinbase had all the data and knew these were very high-risk transactions. It is possible that you requested authorization for the transaction, but in my eye, you failed in your basic fiduciary responsibility to protect me. The scam companies know the Coinbase companys weaknesses and use them perfectly. Coinbase companys setup is perfectly designed for scammers and frauds. 


Look like Coinbase company is assisting and aiding this scam and fraudulent company for a measly profit. It is very shameful that no one on the platform is doing any research or investigations on this fraudulent business. This company XXXX is scamming hardworking people like me and hiding their money at Coinbase company. 
Coinbase company 's action is very similar to the XXXX  XXXX XXXX using XXXX money in their banks and gaining profit while poor innocent XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. My current life goal is to bring down the XXXX and end their fraudulent activities and regain my lost money. I would appreciate any help from CFPB. 

Sincerely XXXX XXXX
Product: Checking or savings account

OnXX/XX/XXXX I mistakenly made two payments to hmf ( XXXX XXXX XXXX ) on XX/XX/XXXX I called Chase and told them specifically to only take bake the 2nd payment and only this occasion! ( have a witness ) Chase took both payments. 0n XX/XX/XXXX I made another payment and Chase took that one back as well. I find out Chase put a 180 day stop on those payments when told only once and told me it would definitely be only the one time. Because of that hmf carged me 3 {$30.00} fees for lack of funds ( which is not true ). I explained to hmf and they waived only one fee. I called Chase and they are only refunding one fee, leaving me with a fee that is not my fault! All of this is the fault of Chase for lying to me!
Product: Credit reporting

I am filing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and cannot verify these accounts, under Section 611 (5)(A) of the FCRA - they are required to "...promptly delete all information which cannot be verified" that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Money transfer, virtual currency, or money service

My bank does not allow me to link my accounts with XXXX. I have friends with accounts from the same bank and they have no issue using this app but suddenly I am not allowed.
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 XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX 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: Debt collection

A copy of the original written agreement between the parties, such as the loan note or credit card agreement, preferably signed by me. Verification that this debt belong to me. Please cease and desist all calls and contact with me immediately if debt can not be verified and remove account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the XXXX credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXXXXXX 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
Product: Debt collection

I purchased a phone which I paid for : They sent XXXX phones. I returned both phones with a free shipping label which they provided. I never activated either phone. I was charged {$140.00} for my phone. which I paid for the phone from my debit card. A month later they started taking XXXX per month for several months. In the meantime I tried to make XXXX understand that the phones were returned unused. No response given. continued billing XXXX. Then XXXX without any notice sold this account to a collection agency {$600.00} the debt collector would not tell me. They have now sent a letter statement. So now I am telling you that this is a bogus account. I have good credit and they are trying to collect on something that does no exist. I want this to be handled. 

Credit The CBE group XXXX XXXX. XXXX the XXXX charter communications
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 15 U.S.A 1681 section 602 states i have the right to privacy. 15 U.S.A 1681 section 604 A Section 2 : It also states A consumer reporting agency can not furnish account without my written instructions. 15 U.S.A 1681c. ( a ) ( 5 ) Section States : no consumer agency may make any consumer reporting 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.A 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 or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX Keep getting spam by different numbers even if they been blocked. Been XXXX  when working or on my days off. It has came to a point where Ive tell them to stop spam calling me.
Product: Mortgage

I filled out a loan modification on XX/XX/XXXX, no one from Carrington has contacted me I have since called them 4 times (twice week of XX/XX/XXXX) (twice in XX/XX/XXXXXX/XX/XXXX) for follow up information on the modification. I was told in XXXX the modification application was complete and someone would be contacting me no one has called. When I called in XX/XX/XXXX I was told they needed last three months of Profit and Loss statement for our business. However, no communication was given to me and I would not have know this unless I called. I did however, receive documentation sent on XX/XX/XXXX that my loan had been sold to XXXX XXXX XXXX XXXX. I am guessing because I filed a modification but Carrington is not willing to help us. I also went to receive assist from the NC Foreclosure Program and have been requesting mortgage statement from Carrington and they will not send me the information. They stated because I was in a bankruptcy but I have requested my mortgage statements several times and I have not received anything. I need those statement to receive assistance through the NC Foreclosure Program.
Product: Student loan

Misconduct application discharge denial - I attended the XXXX XXXX XXXX XXXX XXXX, a branch of the XXXX XXXX  ( a for-profit school who has recently faced group discharge based on misconduct, also, has been judged against in final judgment for fraud ). I applied for a misconduct discharge of private loans that are XXXX XXXX XXXX, and have tripled in size ( I paid off almost the original principle, and now the remaining balance is double what the initial principle was ). 

Navient deemed my loans eligible for misconduct discharge consideration upon receipt of my prior CFPB complaint. 

I spent approximately 30 hours ensuring I filed all information for the application to the best of my ability, and provided around XXXX pages of evidence which included : My Borrower Defense to Repayment Group Discharge Approval, A notification from the government about the group discharge for XXXX XXXX, A XXXX lawsuit outlining all of the misconduct ( much of which I experienced and had proof of ), A copy of the XXXX final judgment, Job placement rates that are proven to be falsified used as a recruitment method provided the year XXXX XXXX XXXX XXXX, A list of the admissions employees where XXXX individuals shared the same fraudulent title " assistant director of Admissions '' The reason Navient provided on my denial notice is the following : Navient carefully considers a variety of factors in determining whether a private loan should be discharged based on school misconduct and you do not meet the requirements for discharge based on misconduct by your school. 

All of my misconduct claims are represented by proven behavior by my school, so it feels as if this application was designed to knock out applicants. 

I have requested additional information from Navient regarding reason for my application denial, and what would be needed for reconsideration. I have not received any reply from Navient at the time of writing this complaint.
Product: Debt collection

XX/XX/2020 after reviewing my personal credit report ; an unauthorized tradeline from Credit Collection Service located at XXXX XXXX XXXX, XXXX, MA XXXX showed on my XXXX  credit file. I'm requesting signed verification of my agreement to do business with this creditor or an immediate removal from all credit reporting agencies in accordance with the Fair Credit Reporting Act.
Product: Debt collection

Attempting to call and make agreed payment and they would not take the payment claiming they had not received a letter back. They refused to allow payment and it is due tomorrow. They are transferring to voicemail and not returning calls. They told me the letter was not received and now I have to pay additional court fees. The payment is due tomorrow and I want to make the payment but they are attempting to prevent this payment from being made.
Product: Checking or savings account

I received an email from USAA Bank in Texas on XX/XX/XXXX stating that I will receive a restitution payment of {$180.00} deposited into old USAA account. If I closed old USAA account the consumer finance protection bureau will mail paper check to me. It's now XX/XX/XXXX and I received no check. And, USAA said there is no way to track this. Even though I called USAA XX/XX/XXXX. USAA said too soon to tell as well. Since, my XXXX XXXX apartments in XXXX XXXX, Arkansas stole my Veterans Affairs UPS shipment on XX/XX/XXXX Police report number XXXX filed XX/XX/XXXX. Neither, managers, XXXX XXXX or XXXX XXXX, knew who did this. I need for you to look into this check and send to my newly opened Post Office Box. I'm not receiving mail regularly. I also have a fair housing complaint with XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. I visited XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX, and XXXX. At XXXX, I was approved for a new car. Upon looking at my credit report, all three dealerships ran my credit through several credit approval companies. I have a total of 46 credit inquires across the three credit bureaus within a 7-day time frame. Capital One Auto Finance/ Capital One placed a hard inquire on my credit 22 times. I sent letters to each of the individual companies and received a letter stating I agreed to them running my credit by providing the merchant my driver 's license. I did not agree or approve these companies to run my credit 46 times through several different companies, including those I  have never heard of. Capital One could have used the first inquire as it remains available in the system for 30 days. I was preapproved through Capital One  and presented my preapproval to each of the dealerships. Unfortunately, all three of the dealerships ran my credit through several agencies without my consent. I did not authorize these companies to run my credit or view my credit report. I have contacted these companies several times to request the removal of the inquire and even hired a law firm to help, but they will not budge. I also contacted the three major credit bureaus and I did not receive a response. 46 inquires across 3 credit bureaus within 7 days are truly excessive and violates several consumer laws. I would like all 46 inquires removed from my credit. I did not provide written or verbal consent for this to happen and I am saddened and truly devastation I am not being heard. These companies have caused unnecessary harm. Thank you.
Product: Credit reporting or other personal consumer reports

Dear TransUnion, I am writing to formally dispute the accuracy of the information reported on my credit report regarding an account with XXXX XXXX  ( XXXX XXXX ). The account number ends in XXXX, and it was opened on XX/XX/2020, and closed on XX/XX/2020. Below are specific errors I would like investigated and corrected : Double Reporting & Sale of Account : The account is reported as charged off with a balance of {$0.00} but still shows a high balance of {$990.00}. The report also indicates that the account was purchased by another lender. Reporting the same debt twice violates my rights under the Fair Credit Reporting Act ( FCRA ), Section 605. 

Inaccurate Remarks & Balance : The remarks indicate both " unpaid balance charged off '' and " purchased by another lender, '' which can lead to confusion in interpreting this account status. I request that TransUnion verify these remarks for accuracy and clarity, particularly because the balance is listed as {$0.00}, but the high balance indicates a previous balance of {$990.00}. The inconsistent information should be corrected to prevent further damage to my creditworthiness. 

Dispute of Credit Limit Impact : The original credit limit on this account was {$500.00}, but the high balance reached {$990.00} before the charge-off. I request that this discrepancy be reviewed and updated to reflect more accurate information regarding the accounts credit usage and closure process. 

Please review this account thoroughly and remove this account from my credit profile if information if found inaccurate. If the information is verified as correct, I request that you provide me with the documentation used to verify the charge-off, balance, and transfer of this account to a new lender. 

I appreciate your time and prompt attention to this matter. Please respond within the XXXX investigation period as mandated by law.
Product: Debt collection

This complaint is in reference to my previous CFPB complaint # XXXX in regards to the CFPB Consent Order against Navy Federal Credit Union. At the time of the complaint, NFCU responded : " Our review of this matter is in process, and we will respond as soon as possible. The following references the complaint we received on XXXX XXXX 2016 from the Consumer Financial Protection Bureau ( CFPB ) on behalf of Navy Federal member XXXX XXXX. The complaint was assigned a case number of XXXX. Our member has asked us for information related to our recent agreement with the CFPB. Pursuant to the terms of the agreement, the CFPB will approve how we will identify and make payments to members who are eligible for compensation. If XXXX XXXX is eligible, he will receive prompt notification at a later date. We will consider all facts and circumstances regarding XXXX XXXX 's account in the assessment of compensation, if any. Navy Federal has thoroughly reviewed our member 's concerns. No further correspondence will be sent regarding his Home Equity Loan nor will calls be made concerning the status of the account. '' XXXX  Responded : " You should receive an update from the company within the next  15 days, and a final response within 60 days. '' It has now been one year from the date of my complaint. Not only did NFCU never responded to me in 60 days, they never responded to me ever. 

I would like an update to my claim pursuant to the Consent Order, as I submitted ample documentary evidence of NFCU 's predatory and illegal debt collection actions against me.
Product: Money transfer, virtual currency, or money service

Venmo froze my son 's teen account with {$920.00} on XX/XX/year> for 6 months. I started emailing them in XXXX, 2024 for instructions on how to move the money out of his venmo account. First they told me to add a bank account, which was already added. We deleted it added it several times. Then they sent an email saying that we had 24 hours to get the funds out, but a transfer button never appeared on his account allowing a transfer, although one did appear on my account which has no funds in it. Since that time, I have emailed sporadically about how to get the funds out and no one responds to that request. If I email the general support email, I am told to email the account specialist who never answers. Its an unbelievably convoluted system either by design or incompetence or both. I want the ability to transfer the funds out of the venmo account to a bank immediately.