23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Years ago ( approximately 10 ), I applied for and received a credit card. The card was paid as agreed. I got married and notified the credit card company of such letting them know my name was now " XXXX ''. Unfortunately, when the card arrived, it read, " XXXX ''. I called the company and asked that it be fixed. I was told they couldn't do that and that I would have to answer several " personal '' questions before they would discuss it further. While I was willing to answer and personal question they may have, I was not ( and still would not ) answer the questions they posed : " Name one of your next door neighbor 's last name, '' " What is the first name of your neighbor living at xxx XXXX XXXX, '' etc.. 
These questions were about others and not about me and I'm not willing to disclose other people 's information. Therefore, I paid off the card and then cancelled it stating the reason why. Unfortunately, this has not been the end of the story. XXXX has continually refused to report my last name correctly on my credit report. It is listed as XXXX, which precludes me from ever getting a free credit report or speaking to anyone at XXXX because the information I insist is correct ( and is ), they say is not. I have notes dated XX/XX/18 @ XXXX XXXX that I spoke with XXXX, an Equifax rep via TrustedID at XXXX. I explained the issue and that I could not get online with Equifax due to the surname issue. She said she would correct it and change it to the corrected surname of XXXX and that she would also include a consumer statement. The Confirmation # XXXX. Needless to say, this is still not done and I can not get onto anything related to Equifax ( I no longer have access to TrustedID ). Please make them change my last name to the proper spelling and REMOVE all references to the incorrect spelling.
Product: Credit card or prepaid card

Due to the lack of XXXX Bank of America allowed someone else to receive my prepaid debit card and spend almost {$0.00} they still are yet to give me almost {$10000.00} back and it has been stuck pending with no resolution for over a year. I have called hundreds of times made complaints hundreds of times, I filed hardships and sent all documentation showing that these funds that were sent to another bank account were sent to a bank account that was not me. I sent them all the letters showing from that bank that they released me from all financial liability and I had no connection with these accounts the funds went to. Bank of America has went way over the time allowed to give me an answer and still my claim is stuck in pending
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Previous Address ( es ) : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX has violated my rights. 
I have already disputed these accounts with the bureaus, but they did not remove them, nor prove validation. 
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: Mortgage

I was offered a deferment after hurricane Ida in XXXX. My home had some small damages from the hurricane. My home insurance denied my claim so I had them repaired. I took the deferment thinking FEMA would reimburse me for the small damages. The deferment was for XXXX XXXX and XX/XX/2021 with my loan servicer PHH mortgage. In XXXX after the deferment ended I applied for mortgage assistance with PHH because DEMA offered no financial help. The mortgage assistance with PHH has been in review for more than 120 days. They return every payment I mail and they blocked my payments online and by phone and wont let me make the remaining regular payments until their review of the three month deferment is done. I am afraid it is meant to make my account more late so they can take my home. XXXX XXXX XXXX XXXX with very little family. I cant afford to lose my house. I have tried to pay the remaining regular payments but they wont take the payments. My taxes are delinquent because if this review they are doing for the months XXXX XXXX and XX/XX/2021 XXXX
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I received notice of a late payment from XXXX XXXX XXXX XXXX being posted to my account. Paid a day late due to me being out of the country.

In accordance with the fair reporting act this creditor has violated my rights. Under 15 USC 1681 section 602 it states, I have a right to privacy. Under 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Also, under 15 USC 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

CMRE FINANCIAL c ontinues to report  XXXX  accounts on my credit report. I paid these accounts &amp; they agreed to remove them as part of the agreement ... They are damaging my credit &amp; I need them removed per our agreement ... I 'm attaching the report for proof they 're reporting as of  XXXX   XXXX ,    2017 ...
Product: Debt collection

XXXXCS CREDIT COLLECTION SERVICES AT XXXX XXXX XXXX, XXXX, MA HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$680.00} THE COLLECTION HAS BEEN REPORTED AS PASTDUE BALANCE.I DO NOT KNOW THIS COMPANY, I HAVE NEVER DONE BUSSINESS WITH THIS COMPANY, THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE ON IT .....
Product: Debt collection

They called me today XX/XX/2022 Was harassing nasty screaming at me and call me names. They claim that they are trying to collect a debt for XXXX. A furniture company who does not respond to disputes and letters to such. It has been over 5 years that I have sent them letters and calls that I received wrong items. I kept getting the wrong items and they just stopped communicating. I then went a head and wrote more letters as to the defective and poor quality of product sent. Still no answer. They wrote collection bureau and put me on a charge off. I tried reaching out again and was told I received the right order and they never received any of my letters which I have sent them copies. Now this collection agency Superlative RM calls asking me questions I told them I dont owe anything as I sent letters and disputes to their client and never got one answer. They called me a liar, that XXXX  would not send them the file for collection if I didnt owe money. They further stated that they want to sue me and freeze my account. They had given me all wrong information and did have proper address telephone number refused to give me an amount owed when I asked them where they are located they refused to answer me. When I told them to stop calling me they said they would keep calling because I owe ment I mentioned to them they are violating the fair credit act they said big deal. I told them I have proof of XXXX  violating my rights under the fair credit act they said tough. I am a dead beat and a liar. And they will keep calling me. I again told them to stop harassing me as they and their client have violated the law. I want to sue both of them and to stop collection as the creditor never responded to my numerous letters which I sent and also since they never the creditor responded in the appropriate amount of time they are guilty of violating the fair credit act. I owe nothing had to purchase from another company the items. This company is fraud never received any letter from creditor that account was going to collection or sold.
Product: Credit card or prepaid card

XXXX sent a cheap battery in place of the real bicycle battery I ordered and tried to say they sent the right one. They even sent Capital One Bank a picture of the right battery!! Capital One first credited my account for the money, but then recharged it. When I sent them all the pictures that they requested and all of documentation, it seemed it just wasnt never enough. Every time I sent them documentation, Capital One would request more or state that it was wrong. I spoke with them and they insisted that it had to be on letterhead, but the letterhead that the XXXX and XXXX XXXX provided was what they used and it wasnt regulation letterhead so it wasnt good enough for Capital One. I tried to explain to Capital One that not everyone has printed letterhead, but no one listened. A lot of shops print their letterhead on their printers. Needless to say, my dispute case was dismissed!! 

This is the water downed version of what happened. Each month, Capital One requested something different. But no matter how many hoops I jumped through, it was never enough.
Product: Credit reporting or other personal consumer reports

Checking on my credit report I found a hard inquiry that I did not authorize. The banks name is One Main and the inquiry pulled on XXXX XXXX
Product: Student loan

Navient Student Loans did not pass on any information regarding how to apply for different loans or change to a new loan provider that would allow for a forgiveness option for being a public servant.
Product: Credit card or prepaid card

I received a promotional offer over mail from Citi Priority : Invitation Code : XXXX. Please find the attachment for the detail of the letter.

I have not received the {$400.00} bonus that the promotion has promised after I enrolled the offer and then met all the requirements stated in the letter : I have funded my existing eligible Citi Priority with more than {$100000.00} and I have been maintaining the balance until today.
Product: Checking or savings account

I opened an account with Suntrust Bank on XX/XX/2020. On XX/XX/XXXX, I tried to withdraw funds only to be told that my access was restricted. I have tried everything to find out 1. Why and 2. When my money will be returned. The only responses that I have received is that its under review and no one knows when my money will be returned to me. The department putting me through this misery does not talk to customers. 

Suntrust is holding my checking & Savings without explanation. I have incurred 3 late charges. I can not buy groceries, fill prescriptions, put gas in the car or anything else. 

Apparently Suntrust can do this at will anytime they please. Consumers have no recourse
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified, please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. Tha items are listed below that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$610.00}, XXXX XXXXXXXX Balance : {$4800.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1600.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$180.00} XXXX XXXX XXXXXXXX Balance : {$630.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

PNC is servicing my mortgage. I filed for bankruptcy in 2012. Chapter XXXX. It was stated in the bankruptcy that I was going to sell the house on a short sale because I could not afford it and I would be moving to a more affordable area. Four months after I filed, I sold the house. It was XXXX at the time. The buyer was paying cash so there was no question of funding. PNC gave us the run around for a year. They never approved nor denied the short sale. They just kept asking for new paperwork. They always had a different contact and would always lose the paperwork. We asked to speak to the actual holder of the loan and pnc refused to give the information. After a year the buyers finally had to back out. There was no end in sight. I have since found out that the original lender was never even told about the pending sale. I asked the realtor why this was happening. He said that PNC gets money from the government for each month the short sale is pending. I had to wait till the value of my house went up enough so it would n't be a short sale. In addition PNC HAS REFUSED to acknowledge the bankruptcy. Refusing the lower payments set forth by the bankruptcy court. I am currently in closing on a second sale of the house. This should not be a short sale. They said it would take 10 days to get me a payoff amount. I 'm worried that it will be incorrect. They are basing what I owe and penalties on the original full payments. I feel this is wrong. If they had not DELIBERATELY held up the sale of my house I would not have incurred these additional charges and penalties. I also feel like all of the money they received from the government for holding up the sale should be credited back to my account. I do n't know what to do. I do know that my realtors have had several of the same issues with PNC with other short sales. It took them 7 mos to give us a single point of contact. And 8 mos to send out and appraiser. Please let me know what I can do. I know the payoff amout they are going to give will be wrong. Do I have any recourse to get this fixed after the loan has been paid off? These people are so incompetent they scare me.
Product: Debt collection

On XX/XX/2023 I submitted a request to US BANK for an alleged debt they reported on my credit report. They received this information request on XX/XX/2023 and as of today, XXXX I have not received any sort of correspondence pertaining to my request at all.
Product: Credit card

I was approved for a XXXX XXXX Credit Card for XXXX limit. I bought a bed for around XXXX and was told they was no interest on the card. Each month I receive an email informing us to pay the minimum balance of {$25.00}. Each month I pay {$100.00} to get the debt down quickly. My balance went down to about {$200.00} and in XX/XX/XXXX I receive an interest charge of almost {$400.00} at 29.9 %. I am shocked as I have never seen this in any of the emails notifying me payment was due. I want to pay my original balance in full immediately and have the interest charges dropped.
Product: Mortgage

On XX/XX/21, I contacted Customer Service for assistance since I was unable to pay my XXXX mortgage online. Based on at least two different explanations from representatives, and no response from the analyst handling my account XXXX XXXX XXXX XXXX, I was finally able to reach a manager ( XXXX ) to assist me. However, she hasn't been able to assist me further since she's gotten no response/follow-up from XXXX XXXX since XX/XX/21. I was informed by her the reason my account is locked because the partial payment documentation from HUD I signed sometime in XXXX last year didn't have a notary seal @! @! 

Once again, this is totally unacceptable for a customer to experience a lack of follow-up on a resolution that appears to be relatively easy to resolve. I hope that you're able to assist me in finding out what needs to be done and completed so that I can once again access my online account.
Product: Money transfer, virtual currency, or money service

I began using Square as a payment processor for my online business and a few hours later, I received a few online orders and shortly after received an email from Square saying they were holding the funds until they received some additional information. I submitted all of the requested documents and information and received another email saying they needed more. Submitted that and about an hour later received an email saying that they were deactivating my account and that they would be holding the payments for 90 DAYS. I was provided no reason as to why the account was closed. At this point, I want nothing to do with this company so I do not want the account reactivated however, I need the almost {$2000.00} that I made and this company is holding. This is absolutely ridiculous that so many people have dealt with this same issue with this company and they are still getting away with this. There are thousands of complaints of situations just like mine that I have found on the internet while dealing with this with this company. As a small business, especially during these times, this has put me in a financial disaster and I am unable to run my business. Customer service is no help, I have reached out multiple times via chat, email, and phone over the past 2 weeks between 5-10+ times. There is no valid reason for the deactivation or holding of the funds. I have not received any chargebacks from customers, I provided all of the additional requested information, and I do not sell any of the prohibited items listed in the Square terms. I do not have 90 days to wait for my funds when this is my livelihood. A complaint was filed with the XXXX and a resolution was not reached.
Product: Credit card or prepaid card

Discover card has billed me XXXX dollars in XX/XX/XXXX. My limit was XXXX. They said the reason why it went to high is due to the return of payments sent to Discover from a bank. The interest running XXXX dollars in XX/XX/XXXX. They requier a arbitration, which i do not know how to go about that. I talked with them on Friday XX/XX/XXXX about the mess of amount but got no wheres. Right now as of XX/XX/XXXX due to interest the total is XXXX. From XX/XX/XXXX to XX/XX/XXXX there was not spent XXXX dollars spent on my card. They want me to pay the whole amount. I know by all my statements that the amount is wrong. I want to sue Discover.
Product: Debt collection

I was NEVER notified of debt!! According to credit report debt is {$220.00}. Stallingsfinancial never notified me ... never received any correspondence of debt. Stallingsfinancial has now posted debt on my credit report files.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft and I would like to dispute these accounts on my credit file and have them blocked and removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Someone stole my Chase XXXX visa credit card # the week of XX/XX/XXXX and charged {$380.00} at 4 gasoline stations across XXXX XXXX. I was shletering in place at home that week and didn't fill up my car or visit any gas stations. Chase is asking for proof that I was at my home. I need to file a police report in order to gain access to my cellualar location records according to XXXX and XXXX XXXX XXXX. Chase 's fraud recovery team isn't taking inbound calls during the pandemic. I plan to file a police report tomorrow, but am extremely frustrated that I've spent hours trying to resolve this with limited success. I've been a Chase customer 20 years and they are using customers to cover fraudulent payments that their systems failed to detect. Sincerely, XXXX XXXX
Product: Credit reporting

I have an account that should have been deleted from my credit report in XX/XX/XXXX. The credit reporting companies refuse to delete this info even though its past the 7 year reporting period. The account being reported is from XXXX. I have an old credit report dated XXXX from Transunion showing the estimated date of removal to be on XXXX. I have contested this each year with Transunion, XXXX and XXXX and each time the old debt is verified. They are also reporting it as being in a chapter XXXX bankruptcy. I have never filed a chapter XXXX bankruptcy. This old debt is bringing down my credit score to the point I can not qualify for a VA home loan.
Product: Credit reporting

A Collection Agency named XXXX XXXX XXXX is falsely reporting to Experian XXXX alleged debts owed to a XXXX Timeshare company that I do not owe. I have attached a letter of explanation concerning why these alleged debts are not valid, along with supporting documentation. It also explains how both the XXXX Timeshare company and their collection agency are attempting to extort money from me to pay them money I do not owe by damaging my credit on Experian ; and then refusing to remove the negative reports unless I pay them. 

I have subsequently have been forced to hire a credit restoration specialist to help rectify this matter. They wrote Experian on my behalf XXXX formal letters on XXXX XXXX, 2016 ( both are included in Exhibit A of the attached document ), requesting financial documentation ; with notice that failure to these documents for this legally disputed account will serve as proof that it is not a valid debt ( copies of both letters are also attached ). The letter further stated that if they failed to respond Act to this legally requested validation of debt within the prescribed 30 day period under the Fair Credit Reporting, all references to XXXX XXXX XXXX account # XXXX be deleted from all credit bureaus, including but not limited to XXXX, Experian and XXXX. 

As of XXXX XXXX, 2016, 60 days later, Experian has both failed to respond to this request and remove the negative entries from my credit report. As a result they are enabling XXXX XXXX XXXX and the XXXX Timeshare company to continue this extortion.
Product: Debt collection

XXXX XXXX  credit card was used by an ex spouse, I tried numerous times to dispute the debt because it was used with HIS CARD, not mine. The debt was established in XX/XX/XXXX and should have come off of all three bureaus by now. XXXX in XX/XX/XXXX and XXXX in XX/XX/XXXX. However, Portfolio Recovery Associates, LLC keeps sending me communication and renewing the debt so that it looks like NEW debt on my credit. 

They have sent me communication in XX/XX/XXXX AFTER the debt should have been removed.