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

On XX/XX/2021, I started trying to fix access issues with my crypto.com account. They are not letting have access to my account so that I can sell all my cryptocurrency and have been stuck just watching it lose value. They keep telling me that someone will be with me shortly, that it has been submitted to the appropriate team, yada yada yada, and here I am on the XXXX of XXXX and STILL don't have access to my account. I've noticed on XXXX others saying that it has been over a month for them. Are they just a scam, or have absolutely NO clue about how to fix their problems so I can access my money?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 23 inquiries on my Equifax credit file, I want these inquiries removed they are fraud I have filed a FTC identity theft report, I do not recognize these inquiries, Equifax has failed to even help knowing I filed a FTC identity theft report about these inquiries please remove these inquiries off my credit report it is my right to dispute any wrong or fraudulent information in my credit report And please remove this fraud alert on my Equifax credit file I did not ask for this to be put on my report and I want it removed immediately, thank you
Product: Checking or savings account

Capital one closed my account on XXXX XXXX for no reason or explanation. I am writing to express my deep dissatisfaction and concern regarding the recent closure of my account with Capital One Bank, which was conducted without any prior notice or valid reason. I provided my social security number when opening the account, yet I have received no benefit or explanation for the abrupt closure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a private loan with XXXX XXXX XXXX XXXX. The total amount of the loan is {$9600.00} and I've been charged on the XXXX of each month since XX/XX/2022 currently having a total past-due balance of {$720.00}. 

I was not informed that this type of loan was not covered under the XXXX XXXX XXXX XXXX XXXX XXXX. As a result of not knowing this information, my account went into a past-due status and hit my credit twice. I made no arrangements to place this loan on a deferment had I known I would have taken the required steps to secure that this would not go into a past due status. I am still a XXXX XXXX and am currently submitting a deferment document to the lender. I called the current lender ECSI requesting copies of all the notices that were sent to me and was advised by a rep named ( XXXX XXXX that they have no way of issuing a copy of that information. I find that very concerning and feel that this could have been avoided simply by communicating and giving proper notice and explaining to me that it won't be covered under the XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, and yet those original documents can't be provided to me. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : 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: Debt collection

There is a company called " XXXX XXXX XXXX XXXX reporting a collection amount of {$880.00}, and they are NOT reporting this account accurately, because it is reporting on my credit report under a middle name spelled " XXXX ''. That is not me and that is not my name, and I don't remember this alleged debt, and they are NOT suppose to be reporting late payments, because this account is labeled as a collection. Even though they are reporting late payments for the month of XXXX, XXXX, and XXXX of XXXX. Also, I sent a validation letter to this account on XX/XX/XXXX. This company was NOT able to validate this account. It has been very stressful and I have even sent an " Affidavit of Truth '' along with a " Cease And Desist letter on XX/XX/XXXX and they have had plenty of time, over 30 days ago to fix this problem, but they STILL haven't. I also sent a " Reinvestigation Request Letter '' to " Transunion '', " XXXX '', and " XXXX '' on XX/XX/XXXX and I STILL have not received any reply from them.
Product: Mortgage

We went to look for a home in late XX/XX/XXXX. We happened upon a place that sold manufactured homes, and we decided that this would be the best option for us. We agreed to purchase a manufactured home for {$77000.00} with an additional {$30000.00} for basement. When the company came to do the basement work, they started doing it wrong, so we told them to stop and ended up bringing our own excavator to do the work, who only charged {$15000.00}. Our initial construction loan ended up being for {$120000.00} anyway, and when we asked what happened to the {$15000.00} that we did n't use, no one would provide us an answer. The rider to our original loan information stated that we were to have 60 days interest only and after that time it would be prime + 3 % - somehow we ended up being charged 12 % interest. We were first time homebuyers and did not know any different, so we signed the documents as we did not want to lose our home. They filed a mortgage dated XX/XX/XXXX, with a maturity date of XX/XX/XXXX. For XXXX years we paid them {$1400.00} per month. After XXXX years they told us there had been no principal reduction. We consulted an attorney at that time, and he got them to do a modification down to 6 % but we somehow ended up owing {$120000.00}, so we went backward on our loan, which did n't make any sense to us, but we were so scared to not sign it as we did n't have a lot of extra money to pay an attorney to fight the lender, and we were afraid of losing our home. We have constantly been lied to by this company. We asked for an overview of everything that we have paid and they have not provided any itemized statements beginning in XX/XX/XXXX, or an overview of what was paid out on the construction and placement of our manufactured home. About XXXX months ago, I consulted a different attorney. She advised us that unless we stopped paying we would not be able to get any answers from the lender. We just received foreclosure paperwork from the lender and they are now saying that we owe {$120000.00} of principal plus over {$4000.00} of interest, which is crazy as we only stopped paying in May..how does over {$4000.00} accrue in XXXX months??? We are tired of being badgered by this company. We do n't want to refinance because we do n't want to pay them that amount. We admit that we owe them something. We also do n't know if we can refinance because as of XXXX months ago this company had reported XXXX to the credit bureaus to show that we were making regular payments. What concerns me more is that this company has been know as XXXX different names over the course of our dealings with them, so we rarely get straight answers. We have asked our attorney to file for a settlement conference ( that is what I think it is called XXXX, to see if we can come to an agreement, but I think this company has taken advantage of us since we were first time homebuyers, and blue collar workers who did n't know our rights. 
I also want to note that we entered into an agreement with XXXX, and the company has changed into XXXX XXXX Inc. and XXXX ( I could not submit all of those names under lender name ).
Product: Student loan

XXXX/XXXX/2017 - called Navient to request forbearance, due to the fact that I do not have money to pay and I am past due by 118 days. They stated that I would have to pay {$100.00} ( {$50.00} for each loan ) to put my loans in forbearance, which I can not afford, because I do not have the income to do so at the moment. I was questioned about how I was paying other bills, and asked if I had someone else I could borrow from to place the loans in forbearance. I explained that I do not have anyone I can borrow from. Navient told me there was nothing they could do to help me until I had money to place my loans in forbearance. I also asked if I would have to pay an additional fee to keep my monthly loans in forbearance. Navient said yes, I would have to pay another {$50.00} per loan to keep in forbearance, at the end of each month. I told Navient I would have to call back, because I do not have the funds at this time. The support agent said I could schedule a payment for up to two weeks in advance. I explained that I would still not be able to make any payments in two weeks. I will not be able to make any payments for at least 3 months with my current income status. Navient support agent said she would note it in my account, but the collection calls and credit reporting would continue until I was able to make the minimum payment of {$50.00} per loan to place the loans in forbearance. I asked if there was any way to place my payments on an income driven repayment plan, and the Naviant service agent said no and that I was on the lowest payment plan of {$140.00} per month.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Company has been notified with numerous letters and has failed to validate the debt related to identity theft. My accounts have not been investigated thoroughly, I have not received the requested documentation that shows any contracts, and validation.

Pursuant 15 U.S Code sS 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency of ( 1 ) Appropriate proof of the identity of the consumer : ( 2 ) A copy of identity theft report ( 3 ) The identification of such information by the consumer and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

This has damaged my reputation and the company has failed to respond to my dispute letter that included an identity theft affidavit along with the requested identity proof documents. 

SEE CERTIFIED MAIL TRACKING NUMBER XXXX SENT TO XXXX XXXX XXXX SENT TO XXXX VIA USPS CERITIFED MAIL XXXX SENT TO EXPERIAN VIA USPS CERTIFIED MAIL XXXX SENT TO XXXX VIA USPS CERTIFIED MAIL 15 U.S. Code sS 1681n- Civil liability for willful noncompliance ( a ) In General Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) Such amount of punitive damages as the court may allow ; and ( 3 ) In the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.

I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts in the attached dispute/identity theft letter be DELETED immediately within 4 days of being notified of the identity theft.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a letter WITH all identifying information to prove who I was and cited errors on my credit reports but way of employment info, hard inquiries and a collection from a company that NEVER supplied the original information showing I owed them instead of the so called original creditor. They sent a letter on XX/XX/year> saying the identifying information was illegible when I have sent the same information- same size font and all on purpose to prove their malicious behavior. And indeed- they stalled saying they couldnt read what I sent! This egregious behavior is uncalled for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to access my account to unfreeze my credit on XX/XX/30, they were closed so I was unable to access my account to buy a car that day however they were open to businesses. 

Monday XXXX I spoke to one agent who said she could not unfreeze it with my information ( social, name, address ) but could send me an email with a temporary password. That was a lie, another person said it would take up to a week to get one through the mail. I need my credit unlocked immediately. They can not help me. I went through their questions to get to my account related to my credit and they said they are wrong when I have my credit report in front of me and I KNOW they are not wrong. This company is so poorly run I am surprised they can be given access to our credit reports but I understand why they have credit breaches.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written letters to Experian on three different occasions requesting a personal information update. They have refused to update my address. 

Last night I disputed the information online with an attached supporting statement and they have refused to update, instead completing the investigation with no changes.

This presents two problems : 1 ) Any preapproved credit offers will be mailed to strangers who might open accounts in my name. Experian does not help protect consumers from identity theft. 

2 ) Legitimate bills/accounts are sent to wrong address causing credit reporting and privacy issues. I am only reachable at one address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$150.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$5000.00} ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$780.00} 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

On XXXX I received a debt collection letter from XXXX XXXX XXXX , XXXX ( XXXX. XXXX XXXX, XXXX, IL XXXX, Tel : XXXX ext. XXXX ) demanding a balance due of {$640.00} with Original Creditor name as Speedy Cash ( Original Creditor Account Number XXXX ). The current creditor to whom the debt is owed is XXXX XXXX XXXX, XXXX. I have never ever dealt with Speedy Cash ( a PayDay franchise ). Someone used my identity to borrow this amount from Speedy Cash sometime in late XXXX. Upon getting a copy of my credit report from XXXX, I noticed that there was a second loan of {$1200.00} in my name also from Speedy Cash, but I have not yet received a collection letter about this amount. I immediately filed an identity theft case with the the City of  XXXX XXXX  XXXX, Texas with case number XXXX. I also filed my identity theft case with Federal Trade Commission ( # XXXX ) on XX/XX/XXXX. Since my home insurance with XXXX  provided coverage for identity theft, I filed a claim with them also. XXXX appointed XXXX to assist me with putting an alert with each credit bureau and assist me with resolving this identity theft fraud. I have not responded to XXXX XXXX XXXX directly, but I know the XXXX has and was advised to take it up with Speedy Cash. I do not wish to contact them and do not know the contact of this retail shop. I request you to please help me with investigating my identity theft which originated with Speedy Cash. I believe Speedy Cash is complicit in many other such fraudulent loans.
Product: Mortgage

Nationstar/Mr Cooper has added forced insurance and escrow to my account when I have insurance and have presented it multiple times. I filed a complaint with you XXXX XXXX 2017 and now they have deducted for property taxes they did not pay and still deduction forced insurance. My account is a mess even though I have never missed a payment of principle and insurance. Now they are selling my account to XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  miscalculated my 2024 mortgage payment because last year they took out a XXXX insurance on my behalf which increased my payment by about XXXX. I called them immediately I received the letter in XXXX and asked them to fix the issue. I was told my mortgage would be recalculated. Their agent took my XXXX payment over the phone after I insisted that they recalculate and give me the correct rate. The next month I was reported to the credit bureau for being delinquent on my Mortgage. I immediately called them to resolve this issue since I never missed a payment, rather I overpaid on my mortgage in XXXX but they have still not resolved this issue. Every month since XXXX, I receive delinquent and collections notices on a mortgage that I am current for. I have called 4 times since XXXX to reconcile my account to reflect the fact that I am current but this has not been addressed so far. It has been 90 days since this issue began.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX hard inquiries on these dates XX/XX/XXXX and on XX/XX/XXXX also XX/XX/XXXX again on XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
XXXX XXXX Delete this unconfirmed inquiry lacking certifiable, evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C.

1681 ET SEQ. Section 604 of Fair Credit Reporting Act Dislike Once you have fulfilled my request, mail me an = updated credit report reflecting these changes. o
Product: Checking or savings account

Capital One has not processed my direct deposit from my employer that should have been deposited yesterday
Product: Money transfer, virtual currency, or money service

I lost access to an email account that I used to sign up for Coinbase some years ago. I remembered the username and password and when I login, it gives me a two-factor authentication request that wants to confirm my email address. I don't have access to that email so I can not confirm. Coinbase has a support article which states they are able to help people who had lost access to their previous accounts ( https : XXXX ). I followed the process they outlined including creating a new account with a new email address and verifying my identity by uploading my California State Drivers License and a photo of myself. I also emailed them to let them know I went through their requested process for recovering accounts that you no longer have access to the email that you created them with. It took about a month and a half for someone to get back to me. A person named XXXX emailed me and said there was nothing they could do. I pointed them to the support article and pressed her to help me. She sent me another email with clarifying questions about my account. I responded with answers. I just received an email saying, again, that Coinbase can't help people recover their accounts despite their own policy posted clearly on their website.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Billing Information capitol one Account XXXX Farmers furniture Account XXXX Dear company I am writing to formally dispute an issue related to my account associated with your services. It appears that there is incorrect information regarding my closed account, and I believe there may be errors in the billing.

Issue Description : Account Status : My account with your company, Capital One shows a closed status, but I have been charged. 
Incorrect Information : The billing statement contain discrepancies in terms of such as charges after account closure, incorrect late fees, etc. ]. 

Desired Resolution : I request that you review the account and correct any errors related to [ closed account status or billing discrepancies ]. 
I would appreciate prompt notification regarding the steps youll be taking to resolve this matter. 
Please confirm receipt of this dispute and advise me of the next steps. 

Thank you for your attention to this matter. I look forward to your prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My compliant is regarding USPS XXXX XXXX TX account shows delinquency on my credit report. As of XX/XX/2020, this account with USPS XXXX XXXX TX were paid in full. Please have Payliance Collection update account USPS XXXX XXXX TX paid in full on my consumer XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed public record information that appears on my Experian credit file. Experian replied to me that the information would remain on my credit report because they validated the information with XXXX. I then disputed the information with XXXX who, under the FCRA, removed the information and also notified Experian. I disputed the information with Experian again and they refuse to remove the information. I viewed the information for the bankruptcies in PACER and the address on the entry is not mine. The bankruptcy information in question does not have a DOB that can tie it to me and the address is not mine ; the address is not on any of my credit reports and it is not on my XXXX report. If Experian used XXXX to validate the information that XXXX has not removed, how is this information being validated as mine and belonging on my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX Did not have permisable purpose to hard pull my credit profile on XX/XX/18 and XX/XX/18. Furthermore I'm unable to reach them with the phone number on file to resolve issue with them directly.
Product: Credit card or prepaid card

Unfortunately I had an emergency and needed tires. XXXX offered a line of credit with XXXX financing. I never received a card or a statement. I have been making automatic payments for a year. I called to inquire about the balance and was informed that nothing has applied to the principal. I requested a statement and there was no interest provided. I requested detailed information and later received a table break down showing XXXX XXXX interest. This was never disclosed. When inquiring about the interest and payment I was informed that I can not make additional payments or more than the payment requested to pay off. I have never been denied a chance to pay off an account early. What can I do? Can they offer XXXX XXXX  interest?