23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear CFPB, I am writing to provide additional evidence and clarification regarding the discrepancies in NCB Management Services response to my complaint. 

Summary of Discrepancies NCB Management Services reported the " date opened '' for this account to credit bureaus as XX/XX/year>. However, the Assignment and Bill of Sale provided as part of their validation documentation raises significant concerns : 1. The Agreement Date for the sale of these accounts is listed as XX/XX/year>, in the Assignment and Bill of Sale. 
2. The sale file reference ( " XXXX_Debt Sale - NCB Group A '' ) suggests the accounts were included in a XX/XX/year>, sale file. 
XXXX. The document was signed and delivered on XX/XX/year>, but this date conflicts with the actual terms of the Agreement and the earlier reference to the sale file. 

Violations of the Fair Credit Reporting Act ( FCRA ) The inconsistencies between NCBs reported " date opened '' and the timeline described in the Assignment and Bill of Sale demonstrate that NCB is reporting inaccurate and misleading information in violation of the FCRA. 

Request for Deletion Given NCB 's inability to provide accurate and consistent documentation to substantiate their reporting, I request that the CFPB take immediate action to : 1. Require the deletion of this tradeline from my credit report.


2. Investigate NCBs compliance with the FCRA, particularly regarding their reporting practices and validation processes. Supporting Documentation I have attached the following documents for review : 1. A copy of the Assignment and Bill of Sale, which highlights the conflicting dates and references. 
2. A screenshot or excerpt of my credit report showing the " date opened '' reported as XX/XX/year>. 

This evidence clearly shows that NCB can not substantiate their claims of accurate reporting. I respectfully request that the CFPB hold NCB accountable and require the deletion of this tradeline. 

Thank you for your time and attention to this matter.
Product: Money transfer, virtual currency, or money service

On Thursday. XX/XX/XXXX, I looked up the customer service number for XXXX on XXXX search. I dialed what I thought was XXXX. The number was XXXX. 
I explained to the party who answered I purchased an item from a dealer. It did not pass authentication ... .the item was in fact XXXX and real stones, however the clarity and color were not correct. 
I explained to the seller I still wanted item. They said they had to refund item and went it came back from authentication, they would let me know and I could repurchase. 
They resold the item and let me know two days later. 
The " would be '' XXXX XXXX. person said that happens a lot. Dealers don't want to pay CC fees, so they cancel transactions. 
He said he could cancel that sale and I could rebuild the item right now. I okay this and he said he needed me to download the helpdesk app. I did this and he transferred the money from PayPal. At this point he started sounding very unprofessional and I told him I was driving to the police station ... .which I did. They told me to call my bank ASAP. I did this. Within 40 minutes I was at my bank, closing my account and calling PayPal. 
They said because it was done using, Friends and Family '' I agreed to the transaction. 
I called and emailed PayPal many, many times over the next two days, explaining the fraud. 
They continued to hide behind their policy, regardless that I was reporting fraud. Two times I was told they had held the money in the individual 's account since it looked suspicious. I said, It is suspicious. Regardless of policy, when you have a trusted 14 year customer on the phone telling you there is fraud, it is unconcsionable to continue the transfer. I completed a complaint with the FBI, as well.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4700.00}, {$760.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$760.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The XXXX and TransUnion credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected XXXX XXXX XXXX Balance : {$17000.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the persistent violations of my rights under the Fair Credit Reporting Act ( FCRA ) by you guys. Despite my repeated attempts to address inaccuracies related to an XXXX XXXX account on my credit report, You have continuously verified these errors without conducting proper investigations. This has severely impacted my ability to maintain an accurate credit profile and obtain fair credit opportunities.

Timeline of Disputes : I initially disputed the XXXX XXXX account on XX/XX/year>. The outcome of this dispute was a verification of the inaccurate information. 

On XX/XX/year>, I requested a reinvestigation, clearly indicating the errors in the initial investigation and urging [ Credit Reporting Agency ] to re-examine the matter. Unfortunately, the account was verified again without addressing the identified discrepancies. 

On the same date, I raised another dispute, highlighting specific inaccuracies that had been overlooked in previous investigations. I explicitly requested the removal of the XXXX XXXX account from my report. However, once again, the account was verified without a thorough review. 

Subsequently, on XX/XX/year>, I disputed the inaccuracies with additional supporting evidence and proceeded to escalate the issue by filing complaints with both the XXXX XXXX XXXX XXXX XXXX XXXX and the Attorney General 's office.

Current Situation : Upon reviewing my most recent credit report, I was alarmed to discover yet another XXXX XXXX account entry with a different account number and numerous inaccuracies. This ongoing mishandling of my credit information is not only unacceptable but also constitutes a significant violation of the FCRA.
Product: Credit card or prepaid card

On XX/XX/XXXX, I placed an order on XXXX in the amount of {$120.00}. 

On XX/XX/XXXX, the tracking information showed that the delivery was signed for by XXXX XXXX, and documents obtained from the post office confirm that. This individual is not an authorized recipient for the intended delivery address, and the handwritten delivery address under the signature is substantially different than the delivery address that was provided to XXXX. ( See attachment-1 ) On XX/XX/XXXX, documents provided by XXXX supporting the validity of the charge confirm that the package was improperly re-routed to an incorrect address, and that it was signed for by XXXX XXXX ( See attachment-2 ) Because my original dispute was on the grounds that the item was not delivered, I believe that these two documents are sufficient proof that the package was not delivered to the intended recipient.
Product: Credit card or prepaid card

XX/XX/2020 I have not received bank card when I called ( 3 hours wait on hold ) to inquire about card they charged me for a card i did not receive. I asked to have another card be issued and paid for express ship overnight I was charged XXXX plus XXXX for replacement card The card was to arrive overnight. It was not received I called again 2.5 hours wait on hold and was told the card was shipped XXXX but they could not provide a tracking number. Four days later I received a card by XXXX  When I tried to activate the card ( 3 hours on hold ) I was told the card had been deactivated and would have to request yet another card I have been without my money and have no funds or anyway of getting access to my money I have read that this has happened to hundreds of others They need to be sanctioned for holding peoples money not sending bank cards and charging for express delivery
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under Electronic Fraud Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Debt collection

XXXX XXXX is trying to garnish my pay from my employment. This account is over XXXX XXXX XXXX. I didn't get a court date from them. They also take advantage of low income individuals. They use unscrupulous business tactics. The car lots they are in business with sell the consumers bad automobiles, they are predatory lending company, jack up prices so that the low income buyer can't afford to possibly pay off the car. The interest they charge for these loans are criminal. I use to try and pay my car note ahead of time. They accepted my money told me, that they take payments in advance and then repossessed my car for missing a car payment added on tow and other fees and made it impossible to get my vehicle back. I need help, I feel like they owe me money they are a horrible company and I would like to be added to any lawsuit filed against them. I am a victim of this predatory lending company. They need to be stopped.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S. C. 1681 c-2 ), that TransUnion block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of multiple accounts and inquiries that were opened or made without my authorization. The following accounts are fraudulent and need to be removed from my credit report. 

XXXX XXXXXXXX - Opened XX/XX/XXXX Balance {$0.00} XXXX - Opened XXXX XXXX XXXX Balance {$920.00} XXXX  XXXX - Opened XX/XX/XXXX Balance {$0.00} XXXX  - Opened XX/XX/XXXX Balance {$0.00} There is also an address that shouldnt be reported which is : 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 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 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 XXXXXX/XX/XXXX All of the aforementioned accounts, and inquiries are the result of identity theft and fraud. I have attached a copies of the FTC Identity Theft Criminal Complaint # XXXX, as proof from the US Federal Trade Commission that all of the aforementioned consumer loans, and inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

For many years I have been fighting with the VETERANS AFFAIRS concerning health issues and benefits. Last summer I finally obtained a 100 % XXXX rating for XXXX XXXX issues. Approximately XXXX XXXX ago, while trying to search for a home of my own to prevent becoming a homeless statistic, I was notified that my student loans have been written off due to my veterans XXXX status upgraded. I just recently found out that TRANSUNION and XXXX, as result, dropped my credit score XXXX points. And completely violating my rights as a XXXX veteran with this devastating action and has guaranteed me becoming homeless soon. Many attempts to contact those credit reporting agencies have failed. And has started affecting my health as this matter continues to get worse.I am XXXX person, a fixed income XXXX veteran, that is being discriminated against and left with no other choice than filing a formal complaint and seeking legal help from the local federal court system. Being a solo voice being tried this way after XXXX  XXXXXXXX XXXX in the XXXX, sacrificing everything including my health to have XXXX XXXX XXXX organizations to treat me this way is absolutely appalling and degrading. To include discriminatory.
Product: Vehicle loan or lease

Santander is purposely charging my account extra fees in an attempt to make it difficult to pay down the principal of this loan. The vehicle was purchased in XX/XX/2018 for 36 months and as of today the pay off does NOT reflect the accurate amount as it is still over $ XXXX. 

All payments have been on time and in full but are not being applied appropriately. 

Santander is inaccurately reporting late payments to my credit that have not happened and mischarging late fees.
Product: Checking or savings account

On Sunday, XX/XX/XXXX about XXXX I received an email informing me that Square is closing both my checking and savings account due my business being high risk. Im a grass mowing business and all I did was purchase stamps from a local supermarket to send out invoices. 

That isnt my main complaint though. Square can keep their service. 

However ; I have 9 checks from my customers that was expecting to transfer into my account that week into the early part of the following week. 

I want to know the following information about these checks ; 1. ) Did they clear? 
2. ) Will they be added to my current checking balance of {$180.00}? 
3. ) Were they rejected and returned to the issuer? 

Ck # XXXX for {$33.00} deposited on XX/XX/23. 
Ck # XXXX for {$220.00} deposited on XX/XX/23. 
Ck # XXXX for {$38.00} deposited XX/XX/23. 
Ck # XXXX for {$150.00} deposited on XX/XX/23. 
Ck # XXXX for {$100.00} deposited XX/XX/23. 
Ck # XXXX for {$66.00} deposited on XX/XX/23. 
Ck # XXXX for {$12.00} deposited on XX/XX/23. 
Ck # XXXX for {$100.00} deposited on XX/XX/23. 
Ck # XXXX for {$25.00} deposited on XX/XX/23. 

These 9 checks total {$740.00}. 

Im also simply adding the current amount of my Square Saving account so that theres an official governmental document stating the exact amount. Which is {$5100.00}. ( My trust in your institution is non existent after you pulled this stunt. ) Lastly, I want to know exactly what caused my account to become flagged as high risk. And if you can not provide that information I want my funds to be unlocked immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 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  and list of Inquiries XXXX U.S.C XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Consumer Financial Protection Bureau Subject : Complaint Regarding Collection of Discharged Debt by XXXX XXXX sold to TSI To Whom It May Concern, I am writing to file a formal complaint against TSI and XXXX XXXX regarding their unethical collection practices related to a discharged debt. I received an IRS Form 1099C Cancellation of Debt copy B from the Corporate office of XXXX XXXX, indicating that the debt in question had been discharged. I have attached a Copy B of the form for your reference, with sensitive account information redacted.

Despite the issuance of the 1099C form, I discovered that XXXX XXXX continued to show the discharged amount as owing, along with accruing interest on the account. Numerous attempts to resolve this matter directly with XXXX XXXX have proven futile. Upon contacting their customer service, I was repeatedly redirected to their XXXX XXXX XXXX team based in XXXX, where I encountered a supervisor denying the existence of a 1099C form and engaging in unprofessional behavior. 

Subsequently, I reached out to the Corporate Secretary XXXX XXXX, who advised me to contact the Chairman XXXX XXXX XXXX. Despite my efforts to escalate the issue and seek resolution, I received no response from the Chairman. Additionally, attempts to address this issue with the Comptroller and the Federal Reserve have yielded no satisfactory outcome. 

Most concerning is the recent revelation that XXXX XXXX has sold the discharged debt to Transworld Systems Inc ( TSI ). This action is not only unethical but also violates established legal and financial practices. It is unacceptable for a debt that has been declared discharged to be sold to a collections agency. 

I urge the Consumer Financial Protection Bureau to investigate this matter promptly and take appropriate action against XXXX XXXX for their egregious conduct. I seek resolution and restitution for the undue stress and financial burden caused by their unlawful collection efforts. 

Thank you for your attention to this matter. I look forward to a swift and favorable resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a complaint on XX/XX/XXXX to remove inaccurate items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # 's XXXX, XXXX, XXXX. I am including it again. 
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO 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 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 or other personal consumer reports

I have found that your company is reporting inaccurate and incomplete information. I have already communicated with you several times via mail but it seems that nothing has been done on your end. 

I have never signed any agreement with these debt collection agencies. 

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 XXXX XXXX
Product: Mortgage

My school district tax payment is due for a discount on XX/XX/31. I did not receive any information from PHH Mortgage about this payment, so I assumed that they received the tax bill. I assumed as much because, in XXXX, I was notified by them that they did not receive the XXXX XXXX tax bill that was due at a discount on XX/XX/31. I have had other issues with them in the past, so I contacted them on Friday, XX/XX/XXXX. They informed me then that they did not receive the tax bill. When asked why I wasn't notified, they could not provide an answer. I'm actively trying to obtain a copy of the tax bill and forward it for payment, but they haven't provided sufficient lead time, and I am concerned that they will not be able to pay it at the discount.