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

The XXXX XXXX XXXX XXXX ( XXXX ) is currently reporting my consumer account between 30 and more than 120 days past due for four months to all three ( XXXX, XXXX, and Experian ) credit reporting agencies. The resource ( a XXXX XXXX XXXX XXXX XXXX for this account has been associated with a civil litigation matter since XX/XX/XXXX. My commercial encountered a breakdown in XXXX XXXX, Arkansas and my Emergency Roadside Service dispatch a towing and wrecker service versus a certified repair mechanic who caused additional damage to my commercial vehicle. The towing and wrecker company was negligent in the mechanics repairs and performed deceptive maintenance practices in their explicit charges for the repairs ; they attempted to charge me more than {$8000.00} for two tows and a single-axle ( right rear ) repair. As a result, I was required to stay in a hotel for more than 2 1/2 month as I attempted to rectify this matter through local agencies ; but, caused me a severe financial hardship and the inability to make payments ( over {$800.00} ) on this account for four ( 4 ) months. To prevent the account from going into foreclosure and eventually repossession, I have been able to make payments on the account for the previous seven ( 7 ) months through my personal financial account. Fortunately, the Representatives of the XXXX XXXX XXXX XXXX have worked with me and allowed me to make payments at the end-of-the month versus on the XX/XX/XXXXof the month. However, they haven't been willing to remove the negative reporting for the four-month negative reporting ; even as I have informed them of my circumstances. In addition, the XXXX is holding a check ( more than {$3000.00} ) which still requires my signature ; and are only willing to post the check to the principle of the outstanding loan since the check was issue for repairs. In reverse, the truck is still not repaired and I would not trust any additional maintenance by the towing and wrecker company as theyre mechanics are not certified diesel mechanics ; nor is the business a certified repair facility. Yet, the truck is still not repaired I will have to transport it to a true repair facility upon completion of the litigation process. Also, XXXX  four-month negative reporting is causing my inability to obtain credit which is much needed for financial support for additional attorney fees and other legal expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be REMOVED immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following companies have violated my consumer protection rights : XXXXXXXX XXXX  - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX 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 an account without my written instructions.

I tried contacting these companies repeatedly and no one is helping me and I need an immediate remedy of this situation.

Thank you.
Product: Credit card or prepaid card

I ASKED THAT CHASE CREDIT CARD CANCEL A PENDING PAYMENT WHICH I MADE ON XX/XX/2021. I SENT THEM THE MESSAGE IMMEDIATELY ON XX/XX/2021 TO CANCEL THE PAYMENT OF {$200.00} WHICH WAS STILL ON " PENDING '' MODE. CHASE DID NOT ALLOW ME TO CANCEL THE {$200.00} PAYMENT MADE ON XX/XX/2021, AND IT IS UNCLEAR WHY, AS IT APPEARS THEY HOLD THEIR CUSTOMER 'S PAYMENTS HOSTAGE, AND ONE CAN NOT CHANGE THEIR MIND ABOUT MAKING A PAYMENT ON AN ACCOUNT WHICH IS UPDATE TO DATE. 

I ADVISED CHASE THAT I HAD ADVISED MY BANK ACCORDINGLY, AS CHASE DID NOT WANT TO REVERSE THE {$200.00} WHICH AS STATED, WAS ON PENDING MODE. 

I ASKED THAT THEY REFUND ANY OVERDRAWN FEES. I WAS ADVISED PER THEIR MESSAGE BELOW : " Thank you for the update. Since you have requested a stop pay with your bank on the {$200.00} payment, we will cancel the refund request to prevent a duplicate debit. 

We apologize for the the inconvenience you have experienced. 

If you need any other assistance, you can send us a secure message. We appreciate your business and thank you for choosing Chase. 

Thank you, XXXX Payment Research Specialist XXXX '' BUT RATHER THAN SIMPLY REQUESTING A CANCELLATION OF THE REFUND TO PREVENT A DUPLICATE DEBIT, CHASE PROCEEDED TO CHARGE ME {$70.00} IN RETURNED CHECK FEES, FOR 1 ) A STOP PAYMENT ON {$200.00} WHICH THEY AGREED TO HANDLE AND LATER DID NOT IN ORDER TO " AVOID DUPLICATE DEBIT, '' AND 2 ) CHASE CHARGED ME A STOP PAY FEE ON A PREVIOUS PAYMENT OF {$480.00} WHICH HAD ALREADY CLEARED MY XXXX XXXX ACCOUNT, AND HAD POSTED OT MY CREDIT CARD AS A PAYMENT ON XX/XX/202,. AND SHOULD HAVE NEVER, EVER BEEN STOPPED. 

IN SHORT, CHASE, A MULTI BILLION DOLLAR CORPORATION IS ENRICHING ITSELF WITH {$70.00} IN FEES, ON STOP PAYMENTS TEHY ASSURED ME WOULD BE HANDLED SINCE MY CHECK WAS IN A " PENDING '' STATUS, AND I SHOULD HAVE THE AUTHORITY TO CANCEL PAYMENTS MADE, WHILE STILL ON " PENDING '' STATUS. 

THIS IS ANOTHER EXAMPLE OF ABUSIVE, SHARK LENDING AND PREDATORY PRACTICES FROM THESE CORPORATE XXXX DOLLAR COMPANIES WHO ARE SUBSIDIZED IN LARGE PART BY OUR TAXES. 

THANK YOU.
Product: Credit card

On XX/XX/year> I received a letter stating that my new AAA Visa from Comenity was under security review and I had to submit several documents verifying my identity. That same day, I submitted a copy of my electric bill, the front and back of my drivers license, and the front and back of my signed social security card, which satisfied the criteria that Comenity was requesting. Today I received a letter stating that the account has been permanently closed due to continued security concerns, but did not provide any additional information. After calling Comenity, I was originally told that the documents I submitted did not meet guidelines. I asked to speak to somebody who could give me further information as to what guidelines were not met, as I was very careful when I submitted everything to ensure that it met the criteria that had been outlined. I was transferred and spoke to a representative named XXXX who, after being put on hold for about 10 minutes, came back and stated that he also could not find any additional information, just that there were continued security concerns, and he was also unable to provide me with any contact information to reach out to get any further information. 

After research, it appears that this is not an uncommon thing to happen to people who attempt to add the virtual card to their XXXX XXXX, which I had attempted to do at the prompting of Comenity once I got the approval notification. However the card itself was never used, so there were no purchases that could prompt a security review. Additionally, the phone number that the verification text was sent to is the phone number provided on my application, as well as the phone number I have on record with several other Comenity accounts that I actively have and have never had issue with. 

At this point, I would either like the card to be reinstated, or else the history of the inquiry and the card to be removed from my credit report. I have a hit not only for an inquiry, but I also now have a card that has shown as open for less than a month, which significantly impacts the age of my credit accounts. I would also like additional information on what prompted my card as a security concern so that I can ensure it does not happen again.
Product: Credit card or prepaid card

I went through XXXX sent my proof and kickoff the credit card company says their information stays the same. Since XXXX I've been following the protocol to fix my credit due to as an youth name used for fraud also which XXXXXXXX XXXX XXXX was very helpful. Since XXXX I've been protecting my personal information. I've build my credit up XXXX through XXXX. Currently my score has dropped by almost 70 % my information along with my XXXX son 's age XX/XX/XXXX information was also taken my phone camera someone around me has done in XXXX of XXXX I've contacted gov identity thief which none has contacted me. May I please get the assistance or forward to the right direction. XXXX
Product: Debt collection

Called pressler, felt and warshaw, llp about a summons to collect a debt and the person on the other end was rude and condescending asked if I could pay in full, explained to him I have a medical condition and I am not working. Therefore asked to settle with a payment, he said you can pay half now and the other half in a month. My husband explained that I am not working due to medical and can not pay half of debt right now. You could hear in his voice he was being rude about it.

We asked to speak to a manager and he said they are too busy and we need to go to website and put in a form for managers call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's not my accounts, i was victim of identity theft, somebody stole my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Being a customer of XXXX XXXX  XXXX XXXX XXXX for XXXX I was hoping for a resolution to the issue that my family faced. Although the economy is bad in XXXX XXXX, our intent and effort have been to always pay our bills, however, due to the economy, the family business I work for slowed down and so did our income significantly decreased. During this same period, we were hit by Hurricane Maria in XX/XX/2017, which further strained our finances. During all of this, we continued to communicate with XXXX XXXX  XXXX XXXX XXXX, explaining our situation. Once the hurricane hit, it took a bad situation and made it worse. We contacted XXXX XXXX to see if we could get some assistance using the FEMA disaster declaration to allow us time to recover so that we could resume paying our debt as we were now struggling to even put food on the table. We were told they were working on it, that they understood, however, after months of asking about the status of our account, we were told that they were no longer able to help us due to the fact that we were no longer a customer since they closed our account. We again pleaded with XXXX XXXX, inquiring about any assistance due to the natural disaster and again we were told that since we were no longer a customer that we did not qualify for any assistance. Given that we are still paying on the account, that they are still sending us monthly statements of the activity, ie. the payments, and that our goal is still to pay our debt, we are asking that the recording of these past due payments be removed from our record given the circumstances that I have stated. As you can see, our recent payment history will show we are working to pay off our debt, but we feel that the fair thing to do would be to grant us the same relief that others affected by this disaster have received. There was a short period of time this year where we struggled to keep up with our payments, but that was due to a relocation to XXXX  to take a government job due to the struggling economy in XXXX XXXX.
Product: Debt collection

Hi, I have reach-out Portfolio Recovery since XXXX. I have sent letters asking to show a contract with them with my wet-ink signature. They refuse to acknowledge. I recently sent an affidavit of notice dispute the debt received on XX/XX/XXXX. Tracking number is XXXX. They did not answer. An Non-respond affidavit in commerce is accept the complaint as true. Receipt of this AFFIDAVIT OF TRUTH & FACT requires a response as stipulated above, acquiescence will be your answer to all below statements if respondents fail or refuse to provide a written response in the form of a rebuttal Affidavit. Acquiescence means A persons tacit or passive acceptance ; implied consent to an act. Review Morris vs. NCR, 44 SW2d 433 which states : An Affidavit if not contested in a timely manner is considered undisputed facts as a matter of law. Also, review U.S. vs. Pruden, 424 F.2d 1021 ( 1970 ) which states : Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. Portfolio Recovery did not rebuttal any point-to-point answer with their own affidavit. I also filed a postmaster criminal complaint under title code 18 U.S.C ss 1342 fictitious name and address and title 18 U.S.C. ss 1341 Fraud and swindling. Portfolio Recovery only sent a general letter that does not address any of my complaints or any proof of a sign contract. Under the Law, there must be a signed contract for them to collect a debt. WHERE IS THE CONTRACT SIGNED BY ME. SHOW ME THE PROOF? I finally filed a U.C.C. 1 financial statement with the ILLINOIS SECRETARY OF STATE placing a lien on my estate claim the name. I also filed with the ILLINOIS SECRETARY OF STATE COMMON LAW TRADEMARK AND COPY RIGHT NOTICE. The Illinois has accepted the filing and the lien number is XXXX and XXXX. Portfolio Recovery will have to a do a XXXX XXXX search to get confirmation. ILL and certified the lien on XXXX time XXXX XXXX.
Product: Mortgage

Loan Care LLc .  XXXX   XXXX   XXXX   XXXX . This company purchase my mortgage from   XXXX   XXXX   XXXX   about one year ago. Since the purchase I have had problems with payments crediting in a timely manner and not  XXXX   XXXX    XXXX   my  Home Owners insura nce company called me to advise I they have not received my insurance payment for the new year. The payment was due  XXXX   XXXX    XXXX  . The bill was sent out by the insurance company to  XXXX   XXXX  servicing  XXXX   XXXX   XXXX   XXXX , SC  XXXX  30 days in advance. My policy will be cancelled  XXXX   XXXX    XXXX   if payment is not received from the Loan company. After I was advised of this situation I signed into the Loan company web site and saw a debit was removed from my escrow that same day. This is 13 days after the due date. As of today the 13 my insurance company has nor received the payment. I hope they will receive it next week because I do not have the funds to cover that and once cancelled I will never be able to purchase that same policy. This is unacceptable and this company has hundreds of such complains on the internet. The is also a complaint page that seems to be run by the company itself which of course gets no action just to make customers believe the government will see the complaint.
Product: Debt collection

I was informed by a service I subscribe to, that that Receivable Performance reported a collection account on XXXX, XXXX, and XXXX, that is not mine. I was receiving these strange phone calls from a service which makes you wait for a long period of time before they clarify their business. then they transfer you to Receivable Performance ... then Receivable performance responds as if you called them. Unreal!!
Product: Debt collection

I checked my credit report and discovered I had an ambulance collection for {$620.00} that does not belong to me. I sent the company listed a debt validation letter which they received XX/XX/XXXX of 2021 through XXXX. In the debt validation letter I outlined and asked for proof that this debt belonged to me. In return later in XXXX, 2021 I received a letter from the company simply just stating that the debt belonged to me but without providing any proof that it belonged to me.
Product: Debt collection

I was reviewing my credit report and disputed a negative collection that I was not aware of. The credit agency identified the company as Credit Collection Services and they sent me information regarding the original debt as being from XXXX XXXX. I contacted XXXX XXXX who identified the debt as being from XX/XX/XXXX in Maryland for a XX/XX/XXXX vehicle that I have never owned. I also was not a resident of Maryland in XX/XX/XXXX as I live in Florida. I have never used nor had any contracts with XXXX XXXX. XXXX suggested that I respond to Credit Collection Services disputing the account and they would have it removed. I have sent two request to Credit Collection Services and they continue to send me letters requesting payment and reporting the negative item on my credit report. Can someone ask Credit Collection Services to remove this from my credit file and stop trying to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I hired XXXX XXXX to repair my credit and they were successful which raised my credit score to XXXX which was good. Two years later my credit score went to a XXXX and I dont understand why -- 1 ) I am a XXXX Citizen Retired XXXX XXXX but living in the XXXX for the XXXX so I do not make any charges on my credit cards? 
2 ) After I terminated XXXX XXXX in XXXX, my credit begin to drop and I do not know why XXXX ) Items that were removed, deleted and off of my credit with 3-agencies has re-appeared on my credit and I dont know why 4 ) I hired XXXX XXXX XX/XX/XXXX and they informed me that XXXX is being extremely difficult after we already provide many items were not mine and many other items were paid-off, but XXXX continue to keep my score in the XXXX FYI : The majority of my credit cards have balances below {$500.00}, I have NEVER been late on ( Mortgage, Loan, or any other Payment ) since XXXX -- - 10-years ago. There is only 1-Credit Card maxed out which is XXXX XXXX XXXX but nevertheless, payments are still made ontime. I have also re-hired XXXX XXXX  and according to them the SAME ITEMS that was taken care of in XXXX is back on my credit again. WHY?
Product: Money transfer, virtual currency, or money service

I incurred overdraft fees because paypal charged the wrong bank account within the last month. I contacted paypal and they agreed it was their fault so they sent me a letter stating that for my bank. I sent the letter to my bank and they did not reverse all of the fees. I contacted paypal to pay for the overdraft fee the bank wouldnt reverse and they denied the case. They took money out of an account that didnt have any funds which shouldnt have happened. It should have been denied like before. Also I signed in and chose which account for the money to be taken out of which they didnt do until the couldnt get the money out of the other account after 2 attempts. They attempted the withdrawl 2 times for each transaction then took it from the correct account the 3rd time. After I spoke with paypal and they said they fixed it, it happened again.
Product: Credit card or prepaid card

Son paid for one month gym membership, was told credit card will not incur recurring monthly charges. Come XXXX card was billed, when we called we were told cancellation will be processed and charges stopped. Billed again in XXXX and called gym yet again to find out what going on and XXXX XXXX who processes their payments. Gym claims he submitted paperwork and XXXX XXXX won't do anything.
Product: Mortgage

Since XX/XX/XXXX weve been having problems with our mortgage company saying that we are a month behind on our payments, Ive been making double payments every month and according to my credit report there saying that I havent been making any payments.When I went on the website because I dont receive any monthly statements I noticed a lot of our payments have been going to escrow but it doesnt brake it down as to what and back in XX/XX/XXXX when our mortgage company changed from XXXX to Lake view we never received anything in the mail about the change until a bill came stating that our payment was late.Whenever we call to speak with someone were on hold for hours and a couple of times when Ive called to make a payment they tell me that unless I make a double payment I cant make a payment they wont except it.We are trying to refinance through another company right now and because of the credit report bringing me score down Im not able to get out from under them.
Product: Checking or savings account

Made local state gov check deposit on XXXX and placing a 4 day hold, check is less than XXXX and I have been with this bank for several months. I feel like am being target due my XXXX!
Product: Debt collection

Requested debt validation letters from Spring Oaks Capital LLC and XXXX XXXX XXXX none was provided.
Product: Checking or savings account

I tried making a deposit in the atm near me and the atm was down. I called us bank the next day and as a courtesy they said they would waive the fees. they never waived anything or returned the 2 XXXX fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had unauthorized charges on my Best Buy card which is through Citi Bank and had a 0 balance prior. While in dispute, Citi filed with the credit bureaus that I had past due payments over 30 days and an outstanding balance due. They did resolve the disputed charges and in my favor, again bringing my card back to a zero balance. I had previously filed a complaint with CFPB, which has been closed, because Citi reported they sent corrections to the credit bureaus and that they sent me a letter stating the same. I have talked to all 3 credit bureaus and the outstanding balance due has been taken off but none of them had received a correction for the more than 30 days past due error. The only letter I have received from Citi is that they want any further correspondence in writing. My original goal was simply to have the errors fixed and my credit restored. This has not been accomplished.
Product: Credit reporting or other personal consumer reports

TransUnion reported inaccurate Bankruptcy information on my credit file and shared it with XXXX and XXXX XXXX. Attached you will find XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX letter. XXXX. My Georgia Driver License for verification. XXXX. My Georgia XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX letter. XXXX. TransUnion Verification Letter. XXXX. Bankruptcy Letter. Please have them to remove the inaccurate Bankruptcy data immediately please.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report and my husband 's credit report both include two accounts that refer to the same debt ( ie, duplicate reporting ), and whose date of last activity and date of first delinquency are both more than 7 years old. We have disputed this multiple times with the companies directly and with XXXX, and nothing has happened. We have also submitted multiple demands for an explanation of their Method of Verification under FCRA 611 ( a ) ( 7 ) and we have not received any reply at all. 

The accounts are : XXXX XXXX XXXX Account Number XXXX and NCB MANAGEMENT SERVICES INC Account Number XXXX