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

In XX/XX/XXXX I signed up with Block Inc. dba Square so I could take card payments for my business goods and services. Ever since my first transaction, Square has claimed there was a problem with it and I would need to refund it to my client. Even though there was nothing wrong with it even to this day, they still claim I need to refund this transaction to my client, even though I've already delivered goods and would essentially be taking a direct loss to my business if I did such an idiotic refund. They subsequently put a hold on my account and kept all of my processed card transactions until I issued the refund. In XXXX I had gross sales totaling {$26000.00}. For facilitating these transactions, I paid Square {$940.00}, leaving {$25000.00} in my Square account, owed to me. On XXXX I was informed my account would be closed and that any " outstanding Square balance will be reserved for up to 180 days ( but no less than 90 days ), unless circumstances require that we extend this reserve period. '' I was again given the false choice of refunding my very first transaction if I didn't want to wait for my funds to be disbursed, or waiting an indefinite period for my funds. I tried contacting my client about issuing such a refund and taking their payment again, but received no response. I have inquired with my client several times over the last 4 months. During these past 4 months, Square has also allowed a dishonest customer to file false claims against me. Even though I provided transaction receipts, proof of delivery, and client communication, among other things, Square has allowed over {$5000.00} to be stolen from me. My Square account now has {$20000.00} in it. 

Since the initial minimum of 90 days has passed, in fact closer to 120 days now ( and still no dispute nor chargeback nor any problem whatsoever with my first transaction that Square claims I must refund ), I've inquired with Square as to when I will be getting the remainder of my money they continue to hold. Instead of being told anything useful, I am told the most infuriating of things that, starting from XX/XX/XXXX, my outstanding balance " will be reserved for up to 180 days ( but no less than 90 days ), unless circumstances require that we extend this reserve period. '' So now I am being told that I can't have my funds for another minimum of 90 days, which, if you add to the 120 days that have already passed, means Square has chosen to hold my funds for a minimum of 210 days. But that's not all, they claim they can hold it up to 180 more days, or longer if " circumstances require '' which I suppose can be any reason they come up with. Essentially they are saying they can hold my money forever, turning them into de facto thieves and criminals.
Product: Debt collection

Portfolio recovery, has constantly denied my disputes and threatened to sue me on many occasions when the debt was settled with the other party. This debt is showing on my credit report as a collection.
Product: Debt collection

This was considered closed and are still reaching out to me for payment on something that was proven I did not owe. To prevent further complications that sounds like a threat.
Product: Debt collection

I have disputed this debt with XXXX and AD ASTRA.XXXX did remove the debt but now it is showing back on my report. I have asked this company to provide me with proof that this is my loan. I had a account years ago with XXXX that had to be closed because someone I trusted were getting loans in my name.Ad Astra only provides me with bills. No copies of my id, no documents that I signed nothing I want this removed off of m credit report. I am prepared to get a attorney to help me with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account been closed for years the company recently reports the balance increase as well reports lates payments.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, bankruptcy as filed and XXXX XXXX was included in debt. XXXX XXXX was notified of bankruptcy status via email and mail but still continued to take funds from bank accounts in XXXX, XXXX, and XXXX. In XX/XX/2023, bankruptcy was XXXX and XXXX XXXX continued to initiate ACH transactions with banks. Stop payments were applied to all accounts. In XXXX, XXXX and XX/XX/2023, XXXX XXXX were continued to be notified via email, mail with cease and desist letters, and even contacted via phone. XXXX XXXX continued to threaten me with XXXX point drops on my credit if I did not pay the balance that was included in bankruptcy. XXXX XXXX continued to initiate ACH transactions from stop payment banks by changing names on all transactions.
Product: Debt collection

When I learned of my identity being used for an apartment complex called XXXX XXXX XXXX due to the credit notification from XXXX, I immediately began calling I.Q. Data International to resolve the issue which was XXXX of XXXX and requested information from them. There was an apartment leased under my name in the year XXXX. The letter I've received from them was handed to my local police department to amend to the police report. I've submitted information to I.Q. Data such as my state issued drivers license, proof of address being my current apartment ledger which my lease begin in XXXX up to this year of XXXX, utility bill and police report that was filed to remove the collections from my credit which amounted over {$7000.00} which was the result of identity theft. This company refuses to remove the collections from my reports which a representative stated that the information I submitted to them was not enough information. The gentleman also stated that I needed to file an entirely new police report at that apartment complexes local police department. However, I've spoken with my local police department here in XXXX XXXX  and the XXXX XXXX  department which personnel from both institutions stated that is not the process. In fact, personnel at my local department thought it rather unusual how I was asked to take such actions as my current report filings with them is still an ongoing investigation. In addition, an investigator from the XXXX Police XXXX XXXX XXXX even stated that I can not file with them since I am not a resident of their area nor was I ever. I do not understand how a state issued license and proof of address along with a provided police report is not enough information to prove that this was the result of identity theft.
Product: Credit card

I am requesting that it will be removed from my credit report as soon as possible.
Product: Mortgage

NationStar, the mortgage company that services my mortgage regularly solicits me to refinance my mortgage even though I refinanced about a year and a half ago, and am satisfied with my rate and payment term. I also regularly receive solicitations from them through the mail. I despise the use of phone solicitations and feel it is an invasion of my privacy. It is also a disservice to me as a customer to continue to ask me about refinancing when I have a strong deal already. All refinancing options have thousands of dollars in cost to the borrower financed or otherwise. It is not my best interests you are after and it makes me feel sad for your phone reps reading a terribly awkward script. Congrats on emerging from the mortgage crisis as a major mortgage servicing company. If I had my choice, my mortgage would stay with the company I originated it with and then I could deal with local people I know and who actually care about my financial well-being.
Product: Mortgage

I was the victim of fraud with Comenity Capital Bank/ XXXX XXXX XXXX XXXX They signed me up for a mortgage which I had no knowledge of and now its on my credit report. I never received any credit from them and didnt even realize I had an account with them until I checked my credit report more thoroughly. 

The information below is what was in my credit report, I have no idea of the account number or any other details because I never even knew that I had an account. 

Overview Account Number XXXX XXXX Account Status PAYS_AS_AGREED Owner INDIVIDUAL Account Type MORTGAGE Creditor Classification Loan Type CHARGE_ACCOUNT Original Creditor Name Months Reviewed 11 Activity Designator Terms Frequency MONTHLY Term Duration Purchased From Sold To Balance and Amounts Balance {$0.00} Credit Limit {$1000.00} High Credit {$0.00} Available Credit {$1000.00} Account Dates Date Opened XXXX XXXX, XXXX Date Reported XX/XX/XXXX Date of Last Activity Date of First Delinquency Comments and Contact
Product: Mortgage

Carrington Mortgage took over servicing my loan effective as of XXXX XXXX, 2015. Prior to the transfer, on a monthly basis, I was able to make my regular payment and an additional principal only payment electronically each month. However, with Carrington I currently do not have that option because they are taking exceedingly long to process my request for automatic debit from my checking account. I faxed the request on or about XXXX XXXX, 2015. My request has not been processed nor have I received any type of confirmation from Carrington that they received my fax and are working on my request. 

Since they have not processed my auto draft request, I am forced to make payments online. However, their online system is not equipped to accept my extra principal only payment electronically which is causing me undue stress. I travel Sunday through Friday of the work week. It 's very time consuming to go to the post office to purchase a stamp and envelope. However, I did purchase the stamp and envelope and mailed Carrington my extra payment on XXXX XXXX, 2015. I specifically waited until the online payment was confirmed before mailing the extra payment. I checked the principal only line on the payment coupon as well as wrote in large letters on top that the payment was " principal only ''. I even wrote on my check principal only. Even with the directions on the payment coupon and my check, Carrington still processed the payment incorrectly. They treated my funds as a regular payment and took interest and escrow out. I need help getting them to correct their mistake.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting or other personal consumer reports

All items on my report is in accurate and I would like them removed from my credit report
Product: Credit card or prepaid card

Dear CFPB, I have a Fidelity Credit Card ( Issued by Elan Financial Services ) that I haven't used in months and has had {$0.00} balance as a result of any purchases. However, over the past few months, they have been mailing me a {$50.00} check and then charging me fees ( up to {$32.00} ) monthly. I have tried to cancel the credit card multiple times and spoken to multiple people at the card services and private investing department. 

They have told me they will have someone call me about the issue and I have not received a call back. They have tried to reverse all the fees, but then assess more fees again. The issue keeps persisting despite them telling me it's all resolved. At this point, it seems like my credit score has been materially and adversely affected by their actions. 

The most recent conversation with them was today ( XX/XX/19 ) where I spoke to card services. They looked into the issue and found there was a complete breakdown between the card services department, Elan Financial Services and investing department. 

That being said, the impact to my credit, the numerous calls I've made and their lack of responsiveness has been an unfair and egregious violation of consumer trust. The unethical behavior has resulted in not just frustration, but clear impact to my credit. 

I have been patient over the past few months and am formally complaining because of the issue persisting for so many months. It also could be a systemic issue, which is unfair for anyone that has the card. I've been diligently calling them, but others may not. 

Thank you, XXXX
Product: Credit card

I am currently in the process of buying a house and needed to take care of my Synchrony/Discount Tire Credit Card . I was only notified when I was trying to pay my balance in full that my account was charged off to XXXX XXXX XXXX. I was never contacted to show that this company was now in possession of my loan. Once I spoke to XXXX XXXX on Monday XX/XX/XXXX and paid the account in full, I received a Release of Debt letter the day after through email. I then asked if there was somehow this could be sent to Synchrony by electronic letter and was told yes. I spoke to someone else and they said that this was false information and that it could take up to 60 days for Synchrony to receive the information that the account was paid in full. I then spoke to Synchrony and they said that they could not speak to me because my account belonged to XXXX XXXX even after my account said closed on the XXXX portal. I asked who I could send the Release of Debt letter to and they said they could not help me answer that. Between both companies, I have been left with unanswered questions and now I am at a stand still. If it is closed with XXXX XXXX and with Synchrony, who does this account belong to? This account needs to be shown that it is paid in full on my credit report and I was given a timeline of up to 60 days for Synchrony to receive the information and that it could take Synchrony 30 days to report to the credit bureau. I am needing this information to show up on my credit report in time for a credit repull on XX/XX/XXXX. Please help me expedite this release of debt to reflect on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, after reviewing my consumer report, I was made aware that Inquires that do not belong to me are on my consumer report : After Finding, I Do Not Consent To, Authorize, Nor Benefit From Any Of The Following Inquiries. 

I also filed an Ftc Identity Theft Report To Have To Them Blocked & Removed. 

This report has been sent to TransUnion over 30 days ago, and the inquires have not been removed. This information was sent via certified mail along with a green return receipt. An employee of TransUnion accepted my dispute package and signed on XXXX The inquires in question are : XXXX XXXX- XX/XX/XXXX XXXX XXXX/XXXX- XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX US SMALL BUSINESS ADMIN ODA- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : ALLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. The items in dispute are as follows : Personal Infomrmation : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX # XXXX XXXXXXXX XXXX  XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX XXXX : XXXX XXXX  Employers : XXXX Inquiries XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Late Payment XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I disputed items in my credit report that were a result of Identity Theft. I filed the dispute online through the Experian website where I was required to upload documents to support my claim of Identity Theft. I uploaded numerous supporting documents including, a copy of a police report for the theft of my belongings and credentials that led to the Identity Theft, and Identity Theft Affidavit, an FTC filed complaint for the Identity Theft, etc. On XX/XX/XXXX, I received a letter from Experian advising me that the Identity Theft report I provided for my dispute does not meet the guidelines by the federal Fair Credit Reporting Act for the following reasons. But the letter does not list any following reasons. Experian is now requesting that I provide them with an enormous amount of specific information and support documents in order to proceed with my dispute for Identity Theft. I've already provided them with the requested information when I initially filed my dispute online through their website and uploaded the requested documents electronically. There is already an extended fraud alert ( 7 years ) on my credit report from when I first reported the Identity Theft to Experian in XX/XX/XXXX. In order for Experian to have placed the extended fraud alert on my report, I was required to provide them with information and documentation that supported the Identity Theft, so the information had already been provided to Experian in XX/XX/XXXX. The information and documents I uploaded on XX/XX/XXXX, when I filed my dispute online through the Experian website, did reference the Identity Theft that occurred and supported the fact that Identity Theft was committed against me. I'm not understanding why Experian is now saying the information I provided did not reference Identity Theft. The letter I received from them on XX/XX/XXXX, fails to state the reasons why they did not accept the documents I provided.
Product: Student loan

I attended the XXXX XXXX from XXXX, graduating with a XXXX XXXX XXXX XXXX in XXXX. From XX/XX/XXXX through XX/XX/XXXX a total of {$83000.00} was taken out in Navient private loans. From the moment of recruitment though all of attending the school, there was constant pressure to sign. Sign intent to attend the school, sign the loan docs to start classes, cant attend classes until loans are secured, Can't register until money has come in. All were threats of being dropped by the school and the school had Navient in their pockets which XXXX ( owner of XXXX at the time orchestrated ). At some point that original XXXX skyrocketed to XXXX with interest rates climbing to almost XXXX  %. I have been making payments since XXXX and my private balance is still around XXXX with XXXX of that still with Navient, I have not defaulted on my payments and have even paid some loans in full since starting repayment. I am a stay at home mom and have had no relief of decreased payments throughout the years, only increases which has put stresses on my spouse whose not responsible for my debt. 

The school has since closed for fraudulent practices. I have filed a Borrower defense to repayment in XXXX for my federal loans, which was approved and waiting on the remainder to be forgiven. The remaining debt of my private loans is effecting me to live my life.
Product: Credit reporting or other personal consumer reports

I am filing to dispute an item on my credit report issued by XXXX XXXX XXXX Upon reviewing my credit report, I noticed an entry that I believe to be inaccurate and damaging to my creditworthiness. The details of the disputed item are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened due to Identity theft I contacted the bank the bank sold the debt to XXXX XXXX so I contacted XXXX XXXX to get the item removed XXXX XXXX has refused to remove from my credit report and also to produce any documents showing that I owe this debt they can't show that I owe it because I did not open this account
Product: Credit card or prepaid card

Capital One Quicksilver has put my last 3 credit card payments on a 26 day hold. The 3 payments total {$2900.00}. 
I've spent the last 3 hours talking to 6 different Capital One call center employees. None of them could tell me why the payments are on hold, just that they are on a 26 day hold. They have also told me there is nothing that can be done and they refused to escalate my call.
Product: Payday loan, title loan, or personal loan

Someone who did not identify themselves has been sending text messages to several family members and friends using my name and dob stating that they are about to file a lawsuit. When I called the phone number of XXXX he didn't identify where he was from but did start to state my personal information but I would not verify with him anything because he never stated that this is an attempt to collect a debt. He even said he wasn't a collection agency but he was an " officer '' He did state that this was for First Virginia bank and yelled at me telling me that if I was rude to him that he would terminate the offer and sue me. There is no company name. I have never received any correspondence and I refuse to verify anything from someone I don't know or have never heard of due to fraud in the past