23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

NCC Business Services ( Account number : XXXX ) failed to verify that debt was valid based on statute of limitations. Date of first delinquency dates back to XX/XX/XXXX. Account was re-aged to XX/XX/XXXX without any notification after debt was sold off. Statute of limitations for collection in the State of New York is 6 years from the date of first delinquency. Sent debt validation letter to company on XX/XX/XXXX via registered mail. Company responded with documentation of 1-year lease dated XX/XX/XXXX and set to expire XX/XX/XXXX. Company also responded with invoice noting charges with no invoice number or date. Company refuses to remove item from credit report and cease collection efforts.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws. 

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I was trying to cash a {$2000.00} check from a guy that I met on an online dating website. It was stupid, I know that now. But anyways I thought I would open a bank account with part of it and the rest I would send back to him. I learned from my mistake. Looking back over it now I can see all the red flag signs that I chose to over look. But it obviously turned out to be a fraudulent check. I have since tried to be a better person. I don't do any online dating and since been trying to clear my name.
Product: Debt collection

Transworld Systems Inc. is demanding {$52.00} on behalf of XXXX bridges and tunnels. This amount constitutes penalty amounts that would have been due if original toll was not paid in time. All of the tolls were paid in time ; however, the collection continues in order to harass me into paying charges not owed. 

Transworld Systems Acct # XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Debt collection

On XX/XX/XXXX, XXXX I emailed Ms. XXXX at ARS LLC along with a couple other people to obtain a statement for a private student loan debt ( XXXX XXXX ) sold to this company. Mind you, this company refuses to send statements to people even though this company was being paid through my debt consolidation company, XXXX XXXX and I thought one of the requirements of collecting a debt was to provide written statements. I notated in the email ( copy provided below ) that I called the company back in XX/XX/XXXX requesting a statement and one was not sent to me. XXXX XXXX from ARS LLC responded to me that he requested that a statement will be emailed to me ; however, the instructions of how to unlock the password protected statement was not sent in another email or even in the one that XXXX XXXX replied to me in. On XX/XX/XXXX, I emailed XXXX XXXX again to clarify the balance. I received a XXXX balance notice from my debt consolidation company stating that the balance was paid in full with ARS LLC. XXXX XXXX replied on XX/XX/XXXX at XXXX that my account was paid in full in XXXX this year, XXXX. I replied back to XXXX asking for a statement that my account was paid in full and did not receive a response back. I sent a follow up email on XX/XX/XXXX to XXXX and still have yet to receive a response. If my balance was satisfied in XX/XX/XXXX, why were they still cashing the {$50.00} monthly payments that were being sent by my debt consolidation company from XX/XX/XXXX to XX/XX/XXXX? Debt consolidation companies send each company their version of Power of Attorney to each company that includes their contact information and phone number. How come the company was not contacted that the balance was paid in full? Also, how come a company that is collecting a debt can not send people statements of their balance which I thought was required by law so that we know the debt they are claiming that they are collecting on is valid and consumers know their rights?
Product: Debt collection

I have recieved 22 phone calls from Comenity Bank ( XXXX ) in the last 5 days. All from different numbers or from blocked numbers. I have asked them repeatedly to stop calling as I pay my bills online. This is a very big issue because this company does not respect work hours. I have informed them if they absolutely need to call me, that they can not call me before XXXX during the week. They have refused to listen and continue to call me during my work hours.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES 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. 

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

EquifaxXXXX XXXX have stated the bankruptcy court verified the bankruptcies on my account the bankruptcies court does not provide the credit reporting information to anybody I will upload my bankruptcy letter Equifax has lied and have violated my rights as a consumer I want bankruptcies removed and all inquiries removed immediately or I will file a lawsuits! XXXX has all approved removing everything from my credit file I have disputed! And also sent out letters to all 3 credit bureaus to remove all disputed information off of my credit file! XXXX says they are not the credit reporting agency for any of these companies! Please remove all information off of my credit report!!!!!! Immediately
Product: Credit reporting or other personal consumer reports

The credit bureaus are not reporting the same information. There are multiple accounts that are incorrect on my transunion and XXXX due to my information being stolen in XXXX  while someone tried to put a car in my name, I have filed a police report because their information and mine was merged and I need their information taken off of my credit profile. There are multiple child support accounts on my transunion and XXXX with different account numbers, credit cards, and internet accounts that are not mine. I have provided a copy of the police report and filed disputes, yet my concerns have been ignored nor taken seriously. Along with my information being in XXXX data breach. 
Accounts- child support enforcement ( XXXX ) Child support enforcement ( XXXX ) Child support enforcement ( XXXX XXXX XXXX XXXXXXXX XXXX no account number provided ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) And there are jobs that I have never worked at on my profile that need to be removed.
Product: Debt collection

I am writing to address an ongoing issue concerning my credit report, specifically the continued existence of fraudulent accounts despite repeated efforts on my part to rectify the situation. This matter has caused significant distress, and I am seeking your assistance in resolving it promptly. 
Account Information : Creditor XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!!XXXX XXXX XXXX XXXX XXXXPLEASE DELETE!!! 

I have previously submitted documentation and dispute letters regarding the fraudulent nature of the mentioned account. Despite my diligent efforts, these fraudulent entries persist on my credit report maintained by your bureau. This situation is both frustrating and alarming, as it not only negatively impacts my creditworthiness but also questions the effectiveness of the credit reporting process. I have also made repeated attempts to escalate this matter through the appropriate channels, but the issue remains unresolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan was recently transferred in XXXX. The new loan company has reported the information more than one time as more than one account when in actuality it is only supposed to be one account. It only has one account number on all 4 accounts being reported. I had disputed this with XXXX and XXXX and both came back as verified accurate. When I called the loan company they told me that it will go back to what it was before eventually, not even given a date and said there was nothing else they can do and I also have the option to consolidate it to join them together. I shouldn't need to consolidate a loan that is only one account to begin with. Both bureaus and company refuse to delete off my report
Product: Checking or savings account

I have sent serval complaint to wells Fargo I will need a statement in writing from wells Fargo bank that they have did a proper investigation into the complaint I spoke with someone and nothing has been explained to me why wells Fargo did not protect my funds in my account.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX and Experian for their repeated failure to address multiple fraudulent entries and inaccuracies in my credit reports. As a victim of identity theft and human trafficking, numerous fraudulent accounts have been opened in my name without my authorization, severely damaging my creditworthiness and financial stability. 
Despite numerous requests, both XXXX and Experian have neglected to remove the fraudulent accounts and an incorrect public record from my credit files. Their refusal to correct these inaccuracies is a blatant violation of federal law, specifically multiple sections of the Fair Credit Reporting Act ( FCRA ) and the Debt Bondage Act, which mandate prompt action to protect victims of trafficking and identity theft. 

FCRA Violations : Section 605B ( 15 U.S. Code 1681c-2 ) : XXXX and Experian are legally required to block fraudulent information upon notification of my status as a victim of identity theft. They have failed to block this information, keeping fraudulent entries in my file in direct violation of the law. 

Section 609 ( 15 U.S. Code 1681g ) : Both agencies have failed to provide accurate and complete disclosure of all information in my file, as required by law. This is evidenced by the continued presence of unauthorized accounts and public records in my credit report.

Section 611 ( 15 U.S. Code 1681i ) : Neither XXXX nor Experian have conducted a proper investigation into the fraudulent accounts and public record within the legally required 30-day period, demonstrating a failure to comply with this section of the FCRA.

Section 607 ( b ) ( 15 U.S. Code 1681e ( b ) ) : Both bureaus have failed to follow reasonable procedures to ensure the maximum possible accuracy of my credit information, continuing to report fraudulent and damaging information. 

Debt Bondage Act Compliance : Under the Debt Bondage Act, both XXXX and Experian are legally obligated to block any fraudulent information within four days of receiving notice that the information is related to human trafficking or identity theft. I have provided the necessary documentation of my status as a trafficking survivor, and I expect full compliance with this legal requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had worked for XXXX XXXX as a XXXX  for 16 years. No wite ups no discipline with state board. I had left my XXXX for XXXX  XXXX at home. I was working 12 hour shift. A state mandat, which i had folled many times, all XXXX  follow to dispense an emergency supply of a med to a customer. XXXX had no way to bill it as a purchase, no set measure. They terminated me after a tech i told i was getting the emergnecy supply to reported me to the ethics line. I feel they discimnated against my condition, a protected XXXX. XXXX reported it to XXXX and i was listed as a thief nationwide on Esteem, effectively blacklisting me from the retail sector, the only area I had worked in. I soon discovered i was the only XXXX on this. This is not proper to do. The board decides discipline. Not a database. I never got any due process and nothing was even reported to the board. I have evidence this is not for XXXX. Removing me from the database isnt sufficinet when it caused me to loose my credibility and nearly XXXX XXXX dollars. Numerous attorneys are baffled by this. I was not even allowed a hearing, a grievance ... XXXX served me with cease and desist papers and ive been arrested for questioning the issue. I went from XXXX job to going to foodbanks, food stamps, and not much else as far as help. Three XXXX degrees and cant get hired thru the online process..Ive lost part of my XXXX from financial issues, beenarrested several times becuase i couldnt afford insurance, had to sell the house i grew up in and ive had XXXX XXXX  attempts. Is there no one that can help with this matter? Im supposed to loose it all and die a pauper over following a state mandate?
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent by certified mail on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX a dispute request to both Experian and XXXX  regarding some information that is being erroneously reported on my credit report. I have requested several times that I be supplied with specific Method of Verification information as it relates to public records in my file as it states reported by US and Fed Bkruptcy XXXX XXXX Courts. I supplied both Experian and XXXX with a letter from the Federal Bankruptcy Court for this district stating " The Clerk 's Office does not provide information to credit reporting agencies. On XXXX/XXXX/XXXX Experian sent a new credit report with my dispute results stating the company that reported the information has certified to Experian that the information is accurate. With their investigation, they did not supply me with specific information as I requested. Name of person spoken with, telephone number of said person, address, date of conversation. XXXX simply replied with Verified as Accurate. That does not conform to the FCRA guidelines. I also have a security freeze on XXXX XXXX, XXXX and XXXX. Their failure to furnish me the verification method and the fact that they continue to " verify '' this record in my file is a blatant violation of my consumer rights under the Fair Credit Reporting Act. As you will also see from the page from my XXXX/XXXX/XXXX three bureau report both XXXX and Experian continue to show a bankruptcy yet XXXX has no record of a bankruptcy.
Product: Vehicle loan or lease

Santander consumer usa has knowingly entered into a contract with XXXX XXXX XXXX who has reported incomes, which was used to support my loan application submitted I have told them the income has to be incorrect and inflated. They have promised and investigation and has not came to any resolution on the fraudulent income reported which shows they are still up to their old tricks supporting these fraudulent actions. They have given a XXXX per month loan to a single XXXX mom with no job and an income of XXXX from XXXX XXXX with the department of XXXX XXXX. I thought I was going thorough the XXXX program which projects income WITH the PROMISE that in six months it would be lowered alot or I could get a hybrid which did not happen in six months. I later find out the XXXX program was over when i signed the contract and projected income was not permitted so I am in a fraudulent scam deal by the dealer and Santander.
Product: Credit card or prepaid card

Bank of America ( BA ) handles the unemployment payments from the State of Maryland. BA issues a debit card and the unemployment payment is deposit directy to this card. On XX/XX/2020 my debit account was hacked. A total of {$130.00} was withdrawn. The debit card account was XXXX XXXX XXXX XXXX I called the number on the BA card to report the fraud. The BA customer service rep said they would issue me a new card. However to get a refund for the amount that was fraudulently withdrawn the rep said they did not handle the refunds since this was handled by a different department. She gave me the number to call which is XXXX ext XXXX or extension XXXX. I tried calling these number for 3 days at different hours of the day. The phone system just puts you on hold. Finally I just gave up calling. I emailed BA about this issue and I go this email message I received an email from this address XXXX  XXXX  XXXX and the message below Thank you for contacting Regulatory Complaints of Bank of America . As your Resolution Specialist I welcome the opportunity to address your concerns. 

I am your dedicated point of contact until this matter is resolved. 

Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XXXX to confirm that information. My days and hours of operation are Monday Friday XXXX XXXX  XXXX XXXX  MST. 

Please note that the Bank of America email address this is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. My days and hours of operation are Monday Friday XXXX XXXX  XXXX XXXX MST. 
Thank you, XXXX XXXX Resolution Specialist Regulatory Complaints Bank of America XXXX, extension XXXX Monday Friday XXXX XXXX XXXX XXXX  MST Case number : XXXX
Product: Mortgage

On XX/XX/2020 I sent my final payment to pay off my mortgage to PHH Mortgage Services of XXXX. XXXX NJ XXXX. They requested an additional processing fee to pay for interest, lien release, recording fee, which I paid on time as required. The total pay off amount was {$1100.00}. However, they are still sending me statements instructing me to continue to make payments and stating that I still need to pay off that amount, even though they have taken it out of my bank account. One consumer representative told me that I would get a paid in full letter within ten days of sending the processing fee, however it has been nearly a month ago. Now I'm being told to continue making payments on the account. Why? Because they have not applied my payoff payment of {$1100.00} to my account. I am wondering if they are trying to get more money out of me, take my home away from me, or are just stupid. I have been an excellent customer and have always paid my payments on or ahead of time. If they will do the right thing, I will have paid this mortgage off 15 years early. There is no prepayment penalty on this loan.
Product: Money transfer, virtual currency, or money service

XX/XX/21 I tried deposting {$1000.00} into my Gemini account and was given an error message " sorry, we encountered an error. If the issue still perssts, please reach out to customer support. '' I have used the same bank account linked to my Gemini account since its origin. I contacted customer support and it listed a phone number with a recording, telling customers to email issues. I did so XX/XX/21 and filed a customer support ticket explaining my issue. No response as of yet. I subsequently filed a BBB complaint. I can't deposit or withdrawl funds to my bank account so my entire Gemini account is frozen and money soley in the companies hands with zero access from me. I do complaince for a large XXXX XXXX, and am disgusted at the lack of customer support/ IT support in regards to my issue. I am losing profits on top of not being able to have the opportunty to withdrawl any funds. Surely if a customer had issues with their account, filed a customer support ticket and then filed a complaint with the XXXX a response wouldve been given by now and resolution determined but this is not the case. I am seeking the help of the CFPB to fix this issue please as soon as possible
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against XXXX, TransUnion, and XXXX XXXX XXXX XXXX  for Inaccurate and Misleading Credit Reporting Issue : I am filing a complaint regarding significant violations by XXXX, TransUnion, and XXXX XXXX XXXX XXXX  in their handling of the reporting of my XXXX XXXX credit card account ( Account XXXX XXXXXXXX ). Their actions violate provisions of the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. 

Details of the Complaint XXXX. Improper and Repeated Reporting of a Charge-Off Status The XXXX XXXX XXXX XXXX  account was charged off in XX/XX/year>, but the charge-off is being repeatedly reported monthly, suggesting ongoing delinquency. 
Reporting a charge-off as a recurring derogatory status violates 15 U.S.C. 1681e ( b ) ( accuracy requirement ), as a charge-off is a one-time event. 
XXXX and TransUnion both inaccurately update the charge-off as though it is new activity, which is misleading and unfairly damages my credit score.

2. Incorrect Balance Reporting Post Charge-Off The account continues to show an outstanding balance of {$1300.00} despite being charged off. If XXXX XXXX has sold or transferred the debt to a third party, the balance should be updated to {$0.00} in compliance with FCRA 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). 
XXXX and TransUnion are complicit in allowing this inaccurate reporting by failing to verify the accuracy of the balance. 

XXXX. Late Payments Reported Post Charge-Off Late payments are being reported after the charge-off date, which is misleading since the account is no longer active. This violates FCRAs mandate for accurate reporting and creates an unfair negative impact on my credit score. 

XXXX. Misleading and Conflicting Account Statuses XXXX : Reports the account as Charged Off but continues to list monthly delinquencies and an outstanding balance. 
TransUnion : Lists the account status as Unknown while also reporting the balance of {$1300.00}. 
These discrepancies between bureaus indicate a lack of proper investigation and validation, as required by 15 U.S.C. 1681i. 

XXXX. Extended Negative Reporting Timeline By repeatedly updating the charge-off status and reporting late payments, the creditors and credit bureaus are effectively resetting the clock on the delinquency. This practice violates 15 U.S.C. 1681c ( a ) ( 4 ), which limits reporting of negative information to seven years from the date of first delinquency.

Impact on Me The repeated and misleading reporting of this account has : 1. Significantly lowered my credit score, impacting my ability to obtain financial opportunities. 
XXXX. Created confusion and undue stress due to the discrepancies in reporting. 
XXXX. Violated my rights under federal law, causing harm to my financial standing. 

Conclusion : I respectfully request that the CFPB investigate these violations and hold XXXX, TransUnion, and XXXX XXXX XXXX XXXX  accountable for their non-compliance with the FCRA. I also request the immediate correction of the inaccuracies in my credit report to prevent further harm.
Product: Credit card or prepaid card

please provide all gift card numbers provided for Barclays XXXX rewards card XXXX gift card : XXXX case rewards XX/XX/24 Not valid Barclays?? 

XXXX XXXX XXXX NEW : XXXX Does not have pin or can check balance Gift Card XXXX PIN : XXXX Gift Card XXXX PIN : XXXX Not valid I have several and have not been provided with ALL* gift cards issued. I should have around 10 and this is what I have in communication with them