23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Abra wallet company closed my account and steal my money!! They scam my money. I invest my retirement money there and they just steal it by closing my account. They did not only close my account and even my family account with money on it was closed by them as well. They are a fraud company!! Abra cryptocurrency is a big scammer!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is not working with me to validate or verify the debt they have placed on my credit reports. I have reached out to them via mail on several occasions to which they only validate the debt by sending a letter saying its mine. They have not provided any supporting documentation to prove their claims against me. 
I have also made them aware that I am the victim of identity fraud and included supporting documentation by providing them with the actual police report and the person responsible for the fraud.
Product: Money transfer, virtual currency, or money service

Complaint Summary : My father passed away in XX/XX/XXXX. Shortly after his death, I was able to successfully log into his Blockchain.com wallet using his wallet ID and password on both his laptop and my own computer. He has XXXX in his wallet. 

I did not attempt to access the wallet again until XX/XX/XXXX, when I decided to sell the XXXX as part of the estate administration. However, I found that I could no longer log in because the authentication emails were not being received. Upon checking my fathers email account, I discovered it had been shut down due to his passing. 

On XX/XX/XXXX, I contacted Blockchain.com support and provided proof that I was the executor of my father 's estate. I submitted a copy of his death certificate, my identification ( passport ), and all relevant account details, requesting that they update the email address on the wallet so I could regain access. Over the following weeks, I had multiple conversations with their support team, but I received no meaningful help. 

On XX/XX/XXXX, I regained access to my fathers email account and attempted to contact Blockchain.com support again, now using his original email address. On XX/XX/XXXX, they responded, stating that without the XXXX recovery phrase, they could not assist. However, their own policy states that either the XXXX recovery phrase OR the wallet ID and password are sufficient for account recoveryI have the wallet ID and password, yet they still refused to assist. 

In XX/XX/XXXX, I contacted XXXX XXXX XXXX, a third-party service, to explore my options. Through them, I learned that Blockchain.com is willing to transfer wallet authentication emails to XXXX XXXX XXXX but refused to transfer them to me, the proven executor of the estate. 

After learning this, I contacted Blockchain.com support again to ask why they are willing to transfer control to XXXX XXXX XXXX but not to me, even though I have provided legal proof of my right to access the account. I received no response. 

Complaint Issue : Blockchain.com has refused to honor its own policies and has blocked access to my late father 's wallet despite me having the wallet ID and password and being the legal executor. At the same time, they are willing to transfer access to XXXX XXXX XXXX, which charges a 20 % recovery fee, but they will not provide the same access to me, which seems unethical and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit agencies not conducting thorough investigation of fraudulent credit accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of fraud I have wrongfully Open the account under my name that has went delinquent and now closed and hurting my credit badly with the late payments and unpaid debt I have put security freezes and fraud alerts on all my reports so this doesnt happen again
Product: Credit reporting, credit repair services, or other personal consumer reports

After over XXXX attempts, I can not log into my Equifax account ; therefore, I have not been able to release my credit freeze. After XXXX attempts to reach someone by phone, I was able to have them over the phone release my credit freeze. I was told that from this point on that I would be able to access my account online now. I went ahead and clicked on the link they sent to me to create a new password ( which I did ) but the system did not accept the new information - ONCE AGAIN!! Below is the message I receive from their system over and OVER again! 

We are temporarily unable to complete this request. 
Please try again later. 

I am quite sure that I am not the only customer having this problem!
Product: Debt collection

After closely analyzing my credit report, I came across several accounts that I did not authorize or recognize.
Product: Debt collection

Wells Fargo bank offered a & XXXX bonus to people that opened a direct deposit account in 2021. My banker never made me aware of this bonus XXXX XXXX, I found out about it by accident now the bank will not honor there bonus and I have spent hours on hold and no response. 
Sincerely XXXX XXXX
Product: Credit card

In early of XX/XX/year> I received offers for a capital one card, which i finally applied for and got approved on XX/XX/XXXX. The offer was still active, and was redeemed through the link sent by capital one. 

Once approved, I contacted Capital One Customer Service, to verify that the bonus offer was linked to my account, to which they said no. I immediately closed the account, and thankfully received my security deposit back. Having Capital One on my credit report is insulting to me because of the lie, and not willing to work on the issue.
Product: Credit reporting or other personal consumer reports

I legally change my name From XXXX XXXX XXXX XXXX to XXXX XXXX and i requested company to update it as well. They requested driver License, Social Security, Bank statements, Proof of the court of name change. Which I provide to them via fax XXXX and also thru their website called Experians Document Upload Service. And the issue was never resolved. I also called Experian Customer service many times. and Im getting transferred all over the place. And they should never get resolved. The only thing that Ill be hearing is wait 72 hours. And after the 72 hours and call back the same answer
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX  and XXXX are not investigating the negative accounts reporting on my credit report. I have sent numerous letters to the bureaus requesting an investigation into the false reporting of these accounts and have never received any communication from the bureaus to show that my requests are being looked into. My most recent credit report shows the following accounts are not in dispute, when in fact they are in dispute. The accounts are as follows : XXXX XXXX XXXX  partial account number XXXX ; XXXX XXXX account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX ; XXXX partial account number XXXX and the following XXXX XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX. ALL of these items are in fact in dispute and this language needs to be reflected on my credit report. The Fair Credit Reporting Act states that I... Have the right to dispute incomplete or inaccurate information. This is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report, as well as not to report accounts that are in dispute. This false reporting is seriously harming my credit score and these line items need to be updated and/or completely removed from my credit report. I have contacted the bureaus to fix these accounts however, I have not been successful.
Product: Mortgage

We received a payoff quote from Mr. Cooper with a statement date of XX/XX/year>. We closed on our home sale on XX/XX/year>. The check was sent to Mr. Cooper on XX/XX/year> and they acknowledged receipt of check. They wrote on the check that it was paid in full, the account was closed, and the lien had ended. 
On XX/XX/year> ( after they received our payment ) they generated a new payoff quote with a higher balance. When the check cleared a few days later, they stated that the amount sent was insufficient based on the payoff quote. They are basing this off the quote they generated after they received our payment. They attempted to send back a check to the title company stating it was not enough to close the account. The title company rejected this check and provided evidence that Mr. Cooper received our payment sent on XX/XX/year> and acknowledged debt was paid in full.

We have called Mr. Cooper and were told the closing amount was {$600.00} below the payoff quote. This is inaccurate as it was paid in full by the date requested on the payoff. The new payoff quote was generated after we paid in full. They told our title company we owe {$280.00} to close our account. It is unclear where this number is coming from as they acknowledged our debt was paid in full before trying to reject it.

We are being harassed almost daily, being told we need to request an entirely new payoff quote for XXXX to close the mortgage. We are being told we need to send additional money. We are also being told they are going to purchase homeowners insurance for us and make us pay this amount.

I have talked to numerous individuals and the research team at Mr. Cooper and they state their records are accurate and they have done nothing incorrectly, despite us, and the title company, sending evidence to the contrary. As of this date, XX/XX/year>, at XXXX we are still being told that they have made no mistake and we need to send additional funds to close our account.

I am attaching our : 1. Initial payoff quote 2. Letter from title company to Mr. Cooper, including payoff quote, timeline, and check stating that our account was closed and the lien had ended 3. New payoff quote generated XX/XX/year> after our XX/XX/year> payment 4. Response from the research team stating they did not make an error 5. My emails to the research department 6. Statement showing the check was cleared on XX/XX/year> ( it was received on XX/XX/year> )
Product: Checking or savings account

My email and XXXX got compromised. One XXXX notices two of my accounts had charges go through that I did not authorized. I shut cards down immediately and called banks and filed fraud disputes. First bank handled it fast. Truist processes the claim a month later never ask me for details they send letter denying the claim. It was {$170.00} Im glad I caught it when that charge went through since I would be on the hook it looks like for any other chargers I research the internet many customers complain Truist denies fraud claims. They advertise fraud protection but dont stand behind it XXXX also advertises it and its funny because my other bank handled it without issues. I want my money back its an unauthorized charge I process thousands on that debit card every month they are suppose to be on the look out for fraud but apparently the customer has to be the vigilant one and be the one to cover the fraud charges that visa and Truist claim to do for you.
Product: Credit reporting or other personal consumer reports

Experian and Transunion are failing to remove the XXXX account XXXX from my credit report which is reporting as a repossession as XXXX has violated all UCC & Texas Laws of Repossession. This includes Texas XXXX XXXX XXXX : Requires a written notice to be sent to the retail buyer within 15 days of discovering the property, the TX Business, Commerce XXXX XXXX, TX Occupations Code XXXX and FRCA Section 605B as well. No notice of sale was sent either. Please remove account immediately.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding mulitple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially having available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX unauthorized inquiries on my credit report that I have no knowledge of I dont have any accounts of any kind at all in my name I dont rent anything I dont have any loans but theres all these false reports, names and address I never even herd of
Product: Credit reporting or other personal consumer reports

I value your help in removing a portion of the data in my credit file that came about because of FRAUD yet I have an ITEMS passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 Balance : {$3500.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$11000.00} ; XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$17000.00} ; XXXX XXXX XXXX
Product: Mortgage

My current loan servicing company Freedom Mortgage Corporation approach me about a streamline refinance to lower my interest rate. At the very beginning and during the entire process my main concern was regarding my current escrow balance of {$1700.00}. I asked on numerous occasion and even at closing was this balance going to be transferred to my new loan. I was assured that was going to happen. Once my new loan was booked, that did not take place my new escrow account only has {$560.00}. The entire streamline process was not a win for me as a consumer for the following reasons : 1. Principle balance increase 2. Additional 1 month to mortgage 3. Payment will remain the same or higher like original payment once new property tax bill generate.

My may concern with my escrow balance was due to the fact I just build my home and living in a new sub division where my property tax was has not been accessed correctly. I wanted to have the surplus money in my escrow that when my property tax bill arrive i will not have an escrow shortage. Now once Freedom Mortgage receive the correct property tax bill from county my tax will be paid. At which point Freedom will either increase my overall mortgage payment or i will need to send in a lump sum payment for shortage. This is ever deceptive way of conduction business. I have requested for the company to go back and listen to all my calls since they are all recorded.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Kikoff reported to XXXX and XXXX that my account was 30 days late, which is inaccurate. I have my account on autopay to ensure that my account is always paid on time. I also never gave this company my written consent or authorization to publish my private information regarding my account to the credit bureaus. I called on XX/XX/XXXX, and XX/XX/XXXX asking about a late payment and asking them to remove the late payment. I was told they didnt have the exact payment log to show I was late and that they already reported it so they cant do anything about it.
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. 

The accounts below have violated my rights. 
15 U.S.C 1681 section 602A. 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 if the person knows or has reasonable cause to believe that the information is innacurate.
Product: Mortgage

this is our offer from ocwen loan co. for a trial modification. our interest rate goes from 5 % to a bit over 2 %. our payments were XXXX a month, 4 yrs. ago when we first started begging for help.now they will go to XXXX a month with our principle balance going from XXXX to XXXX and at then end of term our balloon payment will be XXXX so i ask you do we lose our home now or do we lose our home when we are old and cant even work probably. if i sign this so called agreement with ocwen does it forfeit my rights to sue them? and if i enter into this agreement with them so we dont lose our home does it make all the wrong things they have done, like just this yr. signing off on our paperwork at the XXXX co recorders office, be ok? if we sign the agreement to keep our home are we losing our rights to sue this co?
Product: Student loan

On XX/XX/XXXX, I paid electronically $ XXXX XXXX. About 7-8 days later I saw that only 1/3 of it posted. I called them and rep kept telling me they never got the 2/3 of my payment and advices me to call my bank despite my insisting that the money had already been taken from my bank. He was rude and said he doesnt know what else to tell me but to call my bank. So I did. And bank tells me they nelnet took the money. I told bank nelnet claims they dont have it so I asked bank to pull money back. The next day nelnet calls telling me they found money but looks like bank taking it so can I call bank. Bank says cant reverse process so I pay back the 2/3 to nelnet on XX/XX/XXXX. About a week later again I see only 1/2 of this was applied. So I call them and ask where the other 1/2 is. And they said theyll look into it. But no one ever calls me back from solutions. I keep calling back and they give me the run around. Finally one was nice and on XX/XX/XXXX it got resolved. Now as of XX/XX/XXXX the money is missing again. I just called them today, XX/XX/XXXX, and their reps are being rude and giving me the runaround again. How do I file a lawsuit against nelnet?????
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Formal Request for Debt Validation, Assignment Contract, and IRS Form 1099-C Compliance Dear XXXX, This letter serves as a formal request for validation of the alleged debt and compliance with all applicable legal requirements under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and Consumer Financial Protection Bureau ( CFPB ) guidelines. 
Request for Debt Validation and Documentation : Pursuant to federal law, I request that you provide the following documentation to substantiate the validity of the alleged debt : 1. Assignment Contract and Bill of Sale : o A complete copy of the assignment contract and bill of sale demonstrating your agencys legal authority to collect this debt. 
2. Permissible Purpose : o Proof of permissible purpose under the FCRA ( 15 U.S.C. 1681b ) that justifies your access to and reporting of this alleged debt on my credit report. 
3. Debt Validation : o The name and address of the original creditor. 
o A complete and itemized accounting of the debt, including the original amount, payments made, interest, fees, and charges applied. 
o Copies of all contracts, agreements, or documents bearing my signature that establish a contractual obligation for this debt. 
4. IRS Form 1099-C : o Confirmation and documentation of whether an IRS Form 1099-C ( Cancellation of Debt ) has been issued for this account pursuant to 26 U.S.C. 6050P. If a 1099-C was filed, please provide a copy. 
5. Verification of Reporting Accuracy : o Confirmation that all information reported to credit bureaus is accurate, complete, and in compliance with 15 U.S.C. 1681e ( b ), which requires data furnishers to maintain reasonable procedures to ensure the accuracy of information they provide to consumer reporting agencies. 
Cease and Desist Notice : Effective immediately, I demand that you cease all communication with me regarding this alleged debt, as permitted under 15 U.S.C. 1692c ( c ). This includes phone calls, letters, emails, or any other form of contact. All future communication must be in writing and limited to providing the requested validation documentation. 
Demand for Compliance : If you are unable to provide the requested validation and documentation, I demand that you immediately : Cease all collection efforts. 
Remove any negative information related to this debt from my credit report. 
Confirm in writing that this matter has been fully resolved. 
Failure to comply with these legal obligations may result in formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the office of my states Attorney General. 
Please send all requested information and documentation to my address listed above within 30 days of your receipt of this letter. 
Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I set up a Venmo account. After only one small transaction, the account was flagged as a security risk and frozen. I spoke with three different customer service agents. They all told me my account was flagged for security reasons but gave no explanation or offered any resolution. One even told me all he could do was read the talking points that corporate headquarters gave him. I am very concerned that my personal financial information has been labeled a security risk and potentially fraudulent. In my research on this issue, it appears that Venmo has a pattern and practice of freezing accounts, flagging security risks with no substantiation, and withholding funds. I insist that Venmo ( 1 ) remove all security risk flags on my account; ( 2 ) purge their records of all such information related to my account; and ( 3 ) cease and desist all such anti-consumer activity.
Product: Checking or savings account

I opened this account with Suntrust in XX/XX/2021, with the banker XXXX XXXX at XXXX XXXX XXXX, XXXX, FL XXXX. Since that date has been impossible to enroll in online banking, first with Suntrust and now I received the new visa debit card Truist. I tried to enroll on the new online banking page and is the same issue. 
I put the debit card number, my pin, zip code and email address. Also I tried to reach the bank by ustomer service, I was verified with the pin but that is not enough for them and they are unable to send me a SMS code to the number registered with the bank XXXX XXXX XXXX A long time ago the bank gave me the security word and even that is not possible to enroll.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im not sure what happened all I know is this account automatically went into collections it never appeared on my regular account information and or credit report as a positive account in good standing because it isnt mine, before it was in collections which lead me to trying to dispute it, I tried with XXXX & XXXX XXXX the company keeps denying it and replying back that my information on the account is accurate. Which leads me to think I am being set up for fraud since the balance on the account is so high and my bank information isnt on this account nor was I received a card for midland Credit management. I shouldnt have this on my collections for 7 plus years if I never have done anything to put it there.