23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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: Vehicle loan or lease

To Whom it may concern ; I got married in XX/XX/2019, I have been trying to change my last name on my car loan from capital one. I have been dealing with this issue already for XXXX. Capital one told me to submit my Marriage Certificate and that's it, I submitted what they asked for with the cover sheet they provided and now they're saying I need my driver 's licenses. They never told me I needed my driver 's license and every time I call Capital One they tell me something different. I need this fix to get updated registration for my car.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union I been with them almost XXXX  years now and I didnt even know that what they where doing was illegal over the years I have incurred multiple over draft fees when I didnt have sufficient funds to begin with but transactions were still authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and would like my accounts to be investigated and receive anything due to me from Navy Federal credit union although I do wish to keep my accounts
Product: Mortgage

I am being improperly charged PMI after multiple requests for cancellation by Pinnacle Capital Mortage Corp ( XXXX ). My loan-to-value ratio is now at XXXX % and I am still being charged PMI despite multiple written and oral requests for cancellation. I have held my loan for more than 2 years and have had no missed or late payments. My lender has engaged in systematic obfuscation, including providing multiple mailing addresses to send written requests for cancellation, failing to acknowledge receipt of written requests, and misquoting Homeowner 's Protection Act laws to dissuade me from pursuing PMI cancellation.
Product: Money transfer, virtual currency, or money service

I created a cash app account probably 10 years ago. It didnt work great for my needs so I havent used it for a long time. 

my email account is tied to that account. 

here we are 10 years later and I would like to access the account because my XXXX  friends use it and want me to use that app as well. Although I use the same email address I no longer have the same phone number, I no longer live in the same place, and I no longer have the same bank account that I had when I created the app. 

The only identifying information they asked was for my bank account number, which was closed years ago when I moved. 

The company has no other way to confirm that I am the owner of the account. This is fine with me and I told them they could just delete the entire account and I would be satisfied. I can open a new account using just my phone number. 

To be clear, I feel unsafe having an account with my email address that I can not access because if one of my XXXX  tries to send me money and sends it to my email address it will end up in a place where I can not access it. If I create another account using my phone number which I have done, my friends might get confused if they are supposed to use my phone or my email. ( This has happened before ) I would feel much safer if I could delete the Account attached to my email but Cash will not help. 

when I explained all of this to the help desk at cash app they repeatedly give me only this answer : Your request to access this account was not approved. For security reasons, we can not reverse this decision and are unable to provide additional details. 

anytime I try to reach out to them they just continue to give me the same response : Your request to access this account was not approved. For security reasons, we can not reverse this decision and are unable to provide additional details.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

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  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

I disputed an item on my report because it was paid in full but was not reflecting that payment was made. I contacted the collection agency and explained that the account was paid in full and faxed a letter and receipt from the original creditor stating this. When investigation on dispute was completed it still was not updated.
Product: Credit card or prepaid card

Its ashame how Im being treated by my bank Im a loyal customer for years I want another credit card but they wont let me have one they first said their isnt any maximum of cards a customer can have but recently when I applied even for a secured card their system and then by letter tell me I have the maximum number of cards which to me doesnt make sense or is fair because they told me their is no limit of cards a customer can have to apply so they are very confusing
Product: Bank account or service

On XXXX/XXXX/XXXX I transferred {$910.00} from my XXXX XXXX XXXX ( XXXX ) ckg acct -XXXX to my USAA ckg acct. -XXXX. I then scheduled my mtg payment to be debited from my USAA -XXXX ckg acct. USAA placed a hold on the funds until XXXX/XXXX/XXXX even though the funds came out of my XXXX acct that night, and I provided USAA with verification. I em 'd USAA & rec 'd a response from XXXX XXXX. She said it was against federal regulations to release the hold. I ask what reg & and was told it was the Electronic Fund Transfer Act of XX/XX/XXXX. My daughter has worked for XXXX XXXX for 18 yrs. so I asked her if this sounded right, she said no, there was an exclusion for customers transferring money between banks " Any transfer of funds for a consumer within a system that is used primarily to transfer funds between financial institutions or businesses, e.g., XXXX or other similar network. '' She said to look on the USAA website for their policy re transfers, so I did. It said the money would be available right away, within a few business days, not a week. I then called XXXX and ask them, they said USAA could lift the hold at any time just show them the completed transfer from my XXXX, but they said it was nonsense as USAA already had this. But I provided it to USAA, XXXX XXXX anyway. She again said there was a federal reg prohibiting lifting the hold. I told her this was simply not true. 
Hide additional information for activity type other payment XXXX USAA CHK-INTRNT XXXX/XXXX/XXXX : XXXX : TRANSFER ID : XXXX INDN : XXXX XXXX XXXX ... 
Edit Description activity type other payment status type icon cleared XXXX. Select to mark activity type other payment XXXX USAA XXXX XXXX : TRANSFER ID : XXXX INDN : XXXX XXXX XXXX ... as Reconciled -XXXX XXXX Type : Other paymentDescription : USAA CHK-INTRNT DES : TRANSFER ID : XXXX INDN : XXXX XXXX XXXX CO ID : USAA FT WEB I then called XXXX XXXX, a manager at USAA whom I had dealt with on another occasion. He said my average daily balance was less than {$910.00} so they would not lift the hold even though they knew the money had actually cleared. He also said it was against 'federal regulations '. I told him it did not say this on their website, and there was no federal regulation. 
It the interim my mtg payment processed and was declined, then USAA charged me {$29.00} NSF. This is outright discrimination and illegally holding of funds.
Product: Vehicle loan or lease

We obtained a boat loan in XX/XX/XXXX thru XXXX XXXX based in XXXX, TX who is now defunct. The loan was transferred to Volvo Car Finance North America. The loan was paid off in XX/XX/XXXX. In XX/XX/XXXX, I need to sell or give the boat and trailer to charity and need a clear title to the trailer.The Virginia DMV will not give me a clear title because the title is registered to XXXX. I have called the XXXX number listed on a bill from XX/XX/XXXX since XX/XX/XXXX and have not gotten any results. Volvo will give me a no interest letter, but it does not explain how Volvo obtained the loan and where is XXXX. DMV will not give me a title without that explanation & Volvo refuses to do so. They claim they never heard of XXXX, do n't know how they got the loan ... But we paid our money to XXXX for years, so obviously if we had been in default they would have found a title to sell it with. My last 2 contacts in XX/XX/XXXX have been with a XXXX and a XXXX at the phone number listed on the bill. Every time I call I may get a call center in Tennessee or Nebraska. I spoke to those 2 in Tennessee because the 2 release letters I did get were from the address listed in complaint form. The following is what the VA DMV needs for me to get the title '' Submit evidence to DMV that a lien release can not be obtained from the lienholder due to the lender going out of business, merging with, or being taken over by another business, along with evidence that the lien has been satisfied. Evidence of lien satisfaction may include, but is not limited to the following : For lenders that are merged with, or taken over by another company/corporation/or lender, customer must include a lien release for the vehicle from the company/corporation/or lender with whom merged and supporting documentation linking the original lienholder with the merged or takeover lender. " DMV further explained : " Volvo Car Finance should be able to provide documentation of when they took over the lien or when they merged with the old lienholder or bought the company. If they ca n't provide that documentation, have them provide you a signed and dated letter on company letterhead stating that they are unable to provide the documentation of when or how the lien was acquired ''. My problem is that Volvo refuses to explain this. I can call them and give them the VIN number, my name & address and without so much as batting an eye, they will give me a release letter. How can they do that without knowing if they have a vested interest in the boat? But to get them to write how they acquired the loan, etc, they will not do. I have faxed to XXXX my supporting letter, my trailer registration, and a copy of the monthly bill from XX/XX/XXXX. That last occurred on XX/XX/XXXX to the fax number XXXX. I have heard nothing from XXXX or XXXX since XX/XX/XXXX. I need that title to the trailer as I am moving and wish to sell it or give it to charity. It has to move. Any help you can give is greatly appreciated.
Product: Money transfer, virtual currency, or money service

I had deposited over 25,000 dollars into XXXX. XXXX is an exchange that is owned by CoinBase. 

I withdrew XXXX USD Monday, XX/XX/XXXX. I never received my money to this day XX/XX/XXXX. 

I withdrew XXXX USD Tuesday, XX/XX/XXXX. I never received my money to this day XX/XX/XXXX. 

I withdrew XXXX USD Wedneday, XX/XX/XXXX. I received it the following day Thursday, XX/XX/XXXX. 

I have not received my XXXX USD to be credited to my USA bank in 44 days ( 29 business days ). I used ACH which usually only takes 1-3 days. 

I sent multiple emails to CoinBase/XXXX  regarding my issue as follows and I've attached the contents in the supplemental documents I've attached. 

XX/XX/XXXX email sent to support website of CoinBase describing the issue. 
XX/XX/XXXX second email sent to support. Generic email reply without any answer to my specific problem. 
XX/XX/XXXX and 2  email sent to support. 
XX/XX/XXXX, I call XXXX by phone and they say they will escalate the issue and to please not send any more emails. " For fastest response, please do not create multiple tickets about your issue. '' - XXXX XXXX XXXX XX/XX/XXXX XXXX No change in status now. 

I called XXXX two days ago and they said they've escalated it as far as they can and that I will just need to wait. 

I am missing XXXX dollars and CoinBase has been very unresponsive and not reassuring if I will receive my money. I am a U.S. customer with a U.S. bank and this is a U.S. company. An ACH that usually takes 1-5 days to send should not take one month.
Product: Credit reporting

There are XXXX student loan accounts for my Daughter that i was a co-signer on. Both of these account were in collection. The agency that serviced these accounts was XXXX and they had written off both accounts in XXXX XXXX. Fast XXXX on XXXX/XXXX/XXXX XXXX ( XXXX bank ) was settled in full thru XXXX Bank. The XXXX loan on XXXX/XXXX/XXXX XXXX was settled in full XXXX XXXX XXXX XXXX XXXX offices who was contracted by XXXX XXXX XXXX contracted by XXXX XXXX XXXX XXXX XXXX to service their accounts. Since this this time I have been trying to get these XXXX accounts reported correctly on our credit reports. Thru numerous disputes dateing back a year or more i can say that this is a disaster. XXXX claims they have nothing to do with these accounts since they wrote them off in XXXX of XXXX yet they are the ones that have done the reporting and who the credit agencies contact for the dispute. XXXX has done another wonderful thing and that is they have XXXX account number for both of those accounts, which is the account number for the XXXX loan, but the XXXX loan is also under that account number But the actual account number is different. Now XXXX and XXXX have sent XXXX letters that these accounts are settled in full, but on our credit reports they are reporting that the Accounts are in collection with a balance due and a balance past due. TransUnion even has gone as far as on the XXXX ( XXXX ) of reporting balance XXXX, Payment received XXXX past due XXXX status in collection.Nothing like mixing the XXXX accounts together. I have sent hours i mean hours on the phone with the credit agencies particular TransUnion ( because on XXXX/XXXX/XXXX they finally were reporting correctly ... and changed back to reporting incorrectly on XXXX ). All the hours of phone calls and conversations to the credit agencies and to XXXX they absolutely refuse to report these accounts as settled in full. XXXX says they are reporting correctly and the credit agencies tell me they only report what is sent to them and do not have the power to change it. I have also have been told the proof of settled in full is not acceptable because the account numbers do n't match on the XXXX. As i said XXXX did a wonderful thing by listing both accounts under XXXX account number. And They wo n't Rectify that. I know these accounts were in collection and circumstances at the time led to the accounts going to collection. But when the circumstance changed, i made agreements and paid these off. I have worked hard to build my credit back up and my daughter is building hers, that without these XXXX accounts being reported correctly she ca n't buy a home, our insurance rates are higher etc ... We need help and XXXX and the credit agencies refuse to correct this. Your our last resort. 
thank you
Product: Credit reporting or other personal consumer reports

I'm responding to the verified no change letter you sent me for charge-off account. 

Creditor : XXXX XXXX  Account # : ( XXXX ) Reason for this Dispute : inaccurate I did what you told me to do to fix the problem, and the furnisher did not respond to me. You told me in your last letter to contact the company who placed this inaccurate charge-off account on my credit report and I did It's clear that the charge-off account is inaccurate because the creditor did not send any valid proof. If they can't prove that the account is accurate, they can't report to the bureaus, according to the FCRA. Please remove this item from my credit report or your company will be in violation of the FCRA. 



Thank you.
Product: Credit reporting 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 : US DEPT ED Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name XXXX XXXX XXXX XXXX  Account Number : XXXX and 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 or other personal consumer reports

I have sent several Registered Letters ( which included Returned Receipt notices ) to all three credit bureaus, XXXX, XXXX and Equifax detailing that I believe that I am a victim of Identity Fraud because some of the information on my credit report ( including addresses that I have never heard of ) appear on my Credit Report. I have sent my Illinois Driver 's License and Social Security Card as verification of exactly who I am, but to no avail. I have asked all three bureaus to please add my full name ( XXXX XXXX XXXX XXXX, my birthdate and erase all of those erroneous previous addresses and employment information from my credit report, but they will not do so. 

Also have them remove the following indicators from my credit reports : ( 1 ) Lack of Sufficient Credit History, ( 2 ) Lack of Sufficient Relevant Real Estate Account Information, and ( 3 ) The Total of all Balances on your Open Accounts are Too High. 

I would like to have the same information on my Driver 's License, Social Security Card, U.S. Passport, and all of my Credit Cards match each other. This will help me when I purchase a new home, vehicle and create my new business affiliations in the future.
Product: Credit reporting or other personal consumer reports

Debt is time-barred in my state of Georgia!
Product: Mortgage

This file is in review for loss mitigation with Movement Mortgage. We have not gotten any real update since XXXX. We request call backs and escalate for updates weekly with no response. The lender is delaying the file on purpose. The reps that answer the phone state that they do not have to ability to transfer the call to a supervisor. Their only solution is to escalate the file and request for an update and that is getting us nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

Report filed with FTC for identity theft fraud report sent to reporting agencies XXXX, XXXX, and Transunion dispute letters that identified fraudulent information for all three credit reports sent via mail fraudulent accounts used my correct information to update their information via disputes sent to credit agencies they have been harassing me since then. 
credit agencies refuse to correct incorrect information.
Product: Checking or savings account

Contacted CitibankbCustomer Service on XX/XX/XXXX - had long conversation about incorrect service fees. Was told two months fees would be refunded and they would research the other fees. 
Called XX/XX/XXXX because of an insufficient funds email from Citibank. Found they did not correct ANY fees and charges another months fee and an insufficient funds fee of {$34.00}. 
After three conversations, One Hung up on me, they said the fees refunds were denied.
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 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 with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate address for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax three times disputing inquiries to creditors who ran my credit reports with my authorization. The inquiries are not " permissible purpose. '' Inquiries or " preapproved offers. '' The reported inquiries are from creditors who ran my credit report without my authorization, and prior to lifting my security freeze. I have disputed the unauthorized inquiries multiple times by phone and online, and in writing requesting Equifax dispute the inquiries pursuant to the FCRA Section 604 which states Equifax must supply me with the credit application verifying my name, address, date of birth, social security number and signature verifying the disputed inquiries. Equifax simply states in the investigation results " we have received and viewed your dispute, please contact the creditor. This is intentionally, and not disputed and in violation of the FCRA Section 604 Proof of Verification by supplying the consumer with Proof ... '' Fair Credit Reporting Act. '' Received and reviewed is none compliance of FCRA Section.604.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two inquiries in my report that I do not apply for. 

I have reached out the creditor and credit repair company with no resolution XXXX XX/XX/2022 XXXX XXXX XX/XX/2022