23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Accurate Background Denied Me Employment, Refuses to Provide My Background Check Report I am filing a formal complaint against Accurate Background for failing to provide me with a copy of my background check report, as required under the Fair Credit Reporting Act ( FCRA ), and for reporting inaccurate information that led to my denial of work with XXXX XXXX. 

I applied to work for XXXX XXXX and was denied based on a background check conducted by Accurate Background. However, I was never provided a copy of the background check report, despite my multiple requests. Under the FCRA ( 15 U.S. Code 1681b ( b ) ( 3 ) ), I have the right to receive a copy of my report before any adverse action is taken against me. Accurate Backgrounds failure to provide my report violates my rights.

Additionally, I have strong reason to believe that the report contains inaccurate or outdated information, leading to my unfai
r denial of work. Without access to my report, I am unable to dispute these potential errors, which is also a violation of my rights under the FCRA ( 15 U.S. Code 1681i ).

I am requesting the CFPB to take immediate action and : 1. Require Accurate Background to provide me with a full copy of my background check report immediately.

2. Investigate whether Accurate Background is failing to provide applicants with their reports before taking adverse action. 
XXXX. Ensure that Accurate Background complies with the FCRA by allowing me to dispute any inaccurate or outdated information in my report. 
XXXX. Mandate that Accurate Background notify XXXX XXXX and any other affected employers of any necessary corrections to my record. 

Accurate Backgrounds failure to provide my report and their likely reporting of false information has unfairly prevented me from earning a living. I ask the CFPB to intervene and enforce my rights under federal law. 

Personal Information : Full Name : XXXX XXXX XXXX Date of Birth : XX/XX/year> SSN ( Last XXXX Digits ) : XXXX Contact Information : XXXX ( XXXX ) XXXX I appreciate the CFPBs prompt attention to this matter.
Product: Checking or savings account

On XXXX I was scammed out of XXXX by a travel agent for a flight. I reached out to chase to dispute the charge and they did and gave me a provisional credit. On the XX/XX/XXXX the claim was reversed and took back out of my account. ASSUMING that I was doing the right thing and that the situation would be taken care of i uploaded supporting documentation stating that it was indeed fraud even tho they thought it wasnt. I got a police report from XXXX XXXX sheriff office and submitted it like I was told and was told I would receive an update in 5 business days. On XX/XX/XXXX which is the XXXX business day I received a message stating my account may be closed if I dont answer questions. I went to chase & sat down with XXXX helpful gentlemen, and they told me my account was being restricted and I cant withdraw & would be mailed a check after the investigation is over with!!!! SO NOT ONLY AM I OUT OF XXXX they are holding the rest of my money XXXX! They didnt even give me my money back for the claim!!!! Well I have an issue with this. I have multiple bills that have been turned off due to this. I have been scammed and Im being treated as if I am the person thats scamming someone. Its clear as day I have a police report stating that it is fraud so why is my money being held? Im disgusted. Im being told it will be 10 days and they will send me a check. I am livid. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been with chase for a while so this is insane that they are holding my money because of this. I am literally disgusted with chase bank. I work hard everyday to get a head just for my money to be held XXXX because of what a scammer did to me. I have no issues with the bank closing my account for suspected fraud thats their job, but when you hold my money and keep my deposits thats a issue. No bank should be able to do this and the last thing I wan na do is get a attorney involved because of how they are treating me after being scammed, but I will. this has caused me a great deal of emotional distress being a single mom of XXXX kids. I was scammed twice at this point. Once by chase, and once by the scammer! All I want is my money back! They should be more focused on finding the actual person and locking him up for what he did to me! I didnt wan na take this far, but I have to get my money back and Im not gon na wait for 10 days to get it in the mail cause I didnt do a thing wrong for them to do this to me.
Product: Checking or savings account

XX/XX/year> around lunch time I helped my XXXX mother create an XXXXXXXX XXXX account. 
She is not very tech savvy and I had work so I told her I'd order her lunch shortly after. XXXXXXXX XXXX had promo, I clicked it, I ordered, I went to check out. I hit order on checkout screen with the promo attached and it loaded like it normally does but then it gave me an error for promo and knocked me back one time to previous page, the page it took me to is the tip page, it's the one right after you hit checkout. This page has no total, no order details, nothing at all it's just the tip page. So I hit order again thinking somethin wrong happened in app and it would work normal after. Once I did that I realized it took off my promo code and charged me full price! Order went from {$9.00} to {$29.00}! I was confused, but l immediately got to the cancel order menu and canceled so they would not make the order because of the charge difference. I felt like I was robbed, tricked, and duped. And I was. XXXX notifications told me l would be refunded nothing. I was caught off guard, I use XXXX XXXX often and this changed my perspective. Within XXXX XXXX the order was canceled. There was no knowledge of me knowing they were charging me and why would they not accept a promo that they put into my account? I met all the requirements, the total was {$8.00} and next thing I know it's almost {$30.00} in the blink of an eye. I called them and it said " thank you for calling XXXX XXXX this number is no longer taking calls '' I nesssged them in their website chat and was met with what seemed like bots. Even when it said agent live they wouldn't take any proof I had it help in anyway. Why send someone a promotion, allow them to attach it at checkout, alter the original price and mark it down to promo price, let men add tip, and then kick off the promo with no explanation, and have the audacity to ROB me of my hard earned money. 
You can't just switch pricing or offer promos that are sent privately to members and then do this. Unethical, wrong, snd stressful. Never will I ever give XXXX XXXX another chance to rob me. Last thing, they won't even give me a recept!!! I have to wait XXXXXXXX XXXX
Product: Credit card or prepaid card

Synchrony Bank sent me a bill for a PayPal Credit account ending in XXXX. 
Balance as of XX/XX/2021 : {$370.00} Minimum payment due as of XX/XX/2021 : {$180.00} CREDIT ACCOUNT WAS CREATED WITHOUT MY AUTHORIZATION and Synchrony Bank acknownledged my complaint on XX/XX/2021, when I first reported PalPay Credit account no. ending in : XXXX ( Unauthorized. ) I closed my PayPal account when an unauthorized PayPal Credit account charge was noted.
Product: Debt collection

As of recently has contracted several times via mail, has not validated the debt. I sent several letters and is not my account.
Product: Vehicle loan or lease

Auto Loan with Bank of America was paid off on XX/XX/2023. On XX/XX/XXXX, we contacted B of A representative XXXX per telephone at XXXX. We were told that BofA will release the lien within 8 days and we should receive our pink slip within 3 weeks. Nothing happened, so we contacted XXXX again the middle of XXXX- she said she would check on it. On XX/XX/XXXX, we received a letter from XXXX XXXX at Bof A that said they had contacted the CA DMV to confirm our title work and that we should receive our title within 60 DAYS. Her telephone number is XXXX. On XX/XX/XXXX, we contacted XXXX at XXXX and she stated that they still had not received the lien release/title from the CA DMV, and said they would submit another request to the DMV. On XX/XX/XXXX, we contacted XXXX XXXX again and she stated that they had not received the electronic title yet and that she would reach out to the CA DMV as well as the dealer we purchased the vehicle from and would call us back on XX/XX/XXXX. 
Today, XX/XX/XXXX, we received a call back from XXXX and she found out that the DMV had issued what BofA needed on XX/XX/XXXX! However, she had no explanation as to whether our title was lost in their system or what had happened to it. Her " solution '' was to request another lien release and send it to US and that we would go to the DMV and request ( and pay for ) a duplicate pink slip. Their loan has been paid off for 4 months now, and we still do not have clear title to our car.
Product: Credit reporting or other personal consumer reports

I disputed the following accounts on my credit report, as I do not recognize them : XXXX XXXX  XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX Despite my dispute, the reporting agency failed to conduct a proper reinvestigation or verify the accuracy of these accounts, as required under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i ( a ), which mandates that the agency must investigate disputed information and remove it if it can not be verified within 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following inaccurate information that appears on my credit report. This information is inaccurate and should be corrected or deleted. 
The errors which prompted this credit report dispute include : A credit account using my identity was made in XX/XX/2018, and is now in my collections for XXXX dollars. In XX/XX/2018, I was XXXX XXXX XXXX. I'm not sure why your services allowed this account to be made, but it was not done legally. I'm not sure why your services allowed this account to be made, but it was not done legally. I have made the attempt to dispute it through : XXXX XXXX, XXXX, and Experian. Each source has told me to contact you directly. Please delete this off of my report. 
I have certified documentation of my identity that supports my dispute of this erroneous entry on my report. If this entry is verified, please send me the name and address of the provider or furnisher providing this data, and the manner in which it was provided in order that I may pursue additional legal remedies. 
Please note that your XXXX XXXX XXXX is now subject to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on " Abusive '' Acts or Practices. 
( Section 1031 of the Dodd-Frank Act ) According to Section 611 of the Fair Credit Reporting Act, I am requesting that you investigate those items indicated, and promptly delete any unverifiable, inaccurate, or outdated information from my credit report. In addition, I am requesting a description of how the investigation was conducted along with the name, address, and telephone number of anyone contacted for information. Furthermore, if there is a change in my credit history resulting from your investigation, I am requesting that an updated report be sent to those who received my report, within the last two years for employment purposes, or within the last one year for any other purpose.

If you are able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation and please send me a copy of the corrections made. If you're unable to perform a reasonable investigation, or you're unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account since specifics were not investigated. This letter was completed and sent to you on my own accord, and all correspondence related to this dispute should be returned to me at the addresses listed above. This letter is an attempt to correct the false or misleading information you are reporting on my consumer file ( s ) and to correct your records.

Please investigate and update these items as soon as possible.
Product: Credit card or prepaid card

Wells Fargo sent me a new credit card in the mail. The new credit card was never delivered to me. Someone else received my credit card, activated it, and used it at three different XXXXXXXX XXXX XXXX locations. Wells Fargo is denying my claim and making me pay the bill for someone else 's crime. I have a police report supporting my claim.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report, and I'm writing under the Fair Credit Reporting Act because I want my credit report to be 100 % accurate and complete. I do not want any incorrect or misleading information in my report. Please update all personnel information. My name is : XXXX XXXX XXXX, My Social Security Number is : XXXX, The Only Correct Address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX GA XXXX XXXX, Please remove old numbers and address! 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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: Credit reporting or other personal consumer reports

On XX/XX/2023 I paid in full this account. 

XXXX XXXX XXXX XXXX  XXXX Please updated the account balance to {$0.00}, thanks.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX Balance Owed : {$100.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Owed : {$520.00} XXXX XXXXXXXX Balance Owed : {$770.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Your help would be very much appreciated. 

XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX 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

On my credit report it says Im retired and have no credit. I just recently came across this while applying for a credit card and a loan. Im only XXXX Im not disabled or retired and I need to b able to access some type of credit. Im n a bind right now and could really use it but I knew it was messed up because someone hacked my computer and switched a lot of information up on it.
Product: Debt collection

On XXXX XXXX, 2016, Nationstar updated loan XXXX status to BANK ADJUSTMENT/DEED IN LIEU//BANK LIQUIDATION. 

This credit line should be deleted, the aforementioned update does not delete it. I have not been apprised of any change to validate this change
Product: Credit reporting or other personal consumer reports

the reporting of late payments on my credit report associated with certain student loan accounts that fall under the protection of the Coronavirus Aid, Relief, and Economic Security Act ( CARES Act ), which was enacted on XX/XX/XXXX. 
Under the CARES Act ( Pub. L. 116-136, Section 4021 ), creditors were required to report accounts in forbearance or deferment as Current if the borrower had entered into an accommodation due to COVID-19. This protection was specifically extended to federal student loans held by the XXXX XXXX XXXX  and servicers such as XXXX. 
I have identified several student loan accounts on my credit report that were reported as late during the CARES Act protection period, which violates both the CARES Act and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 
Affected Accounts : XXXX. XXXX of XXXX XXXX : XX/XX/XXXX XXXX : {$1100.00} XXXX. XXXX of XXXX XXXX : XX/XX/XXXX XXXX : {$38000.00} XXXX. XXXX of XXXX XXXX : XX/XX/XXXX XXXX : {$21000.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$2500.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$2400.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$4300.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$1300.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$360.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$1900.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$3200.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$6000.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$2100.00} XXXX. XXXX Opened : XX/XX/XXXX XXXX : {$4100.00} Legal Basis for Dispute : 1. CARES Act ( Pub. L. 116-136, Section 4021 ) : o The CARES Act required loan servicers to report accounts as " Current '' if the borrower entered into a deferment, forbearance, or other accommodation due to COVID-19.

o These loans were federal student loans, which are directly covered under the CARES Act. 
2. Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : o The FCRA requires credit reporting agencies to maintain maximum possible accuracy when reporting consumer credit information.

o Reporting late payments while the account was in deferment or forbearance under the CARES Act violates the FCRA. 
3. Relevant Case Law : o Sessa v. TransUnion LLC Established that credit reporting agencies have a duty to maintain reasonable procedures to ensure maximum possible accuracy.

o Doe v. Experian Held that furnishers and credit bureaus have a legal obligation to accurately report account status when an account is in forbearance.
Product: Credit card

I previously had an account with Citizens Bank ( previously Charter ). The account came with a credit card WHICH I NEVER USED. I closed my accounts ( CD/Checking ) with citizens a couple years ago-forgetting about the charge card because I cut it up upon receipt. About 2 months ago, I received a letter from the bank stating they were increasing my credit line. I immediately contacted them and told them I do not have any accounts with them The man said, " we do not automatically close the charge card ''. I explained that I have no idea what the card number was nor do I know what my account # was because I had closed the accounts 2 yrs. ago. He did assist me and stated he closed the account. I informed him I wanted a letter, in writing, stating that all accounts have been closed. It has been 2 months since I contacted the bank and to date I have never received anything from Citizens acknowledging that the credit card has been closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX XXXX, XXXX XXXX responded to a complaint via the CFPB portal stating that they have received my notice to cease and desist. Additionally, they have stated they received my debt validation letter. They have failed to validate the debt of { {$1500.00} }. According to case law, a consumer contract or credit card statement is not sufficient evidence for debt validation. 

The debt that is currently being reported to all three credit bureaus on my behalf is illegal and is in violation of my consumer rights pursuant to 18 U.S.C 894 for listing the debt on my credit report to negatively affect my future consumer transactions and swindling me into making payments in order to remove the account from my consumer report. Again, I do not give you funding permission to report collections to account for { {$1500.00} } for account number XXXX to any of the credit bureaus. 

A Cease and desist notice requires the company to refrain from all collection activities according to the privacy act of 1974. Failure of XXXX XXXX to remove the alleged debt from my consumer credit report within fifteen business days will and can result in legal action against them. Additionally, A Federal complaint will be made for illegal collection tactics.
Product: Debt collection

Dear CFPB, I am writing to formally file a complaint against Sunrise Credit Services, located at XXXX XXXX XXXX, XXXX, NY XXXX. Their actions have resulted in numerous violations of the Fair Debt Collection Practices Act ( FDCPA ), the Fair Credit Reporting Act ( FCRA ), and Massachusetts state consumer protection laws, which have significantly impacted my creditworthiness and caused undue distress.

Complaint Details : 1. Failure to Provide Debt Validation : Sunrise Credit Services has failed to provide proper validation for the alleged debt associated with account number XXXX, despite my formal requests for validation in accordance with the FDCPA ( 15 U.S.C. 1692g ). They have not provided : A complete payment history.

The original purchase agreement, including all terms and conditions.

Documentation of the date of last activity.

Proof of their authority to collect this debt within Massachusetts, including a valid and non-expired license.

2. Continued Collection Efforts Without Validation : Under 15 U.S.C. 1692g ( b ), Sunrise Credit Services is required to cease collection activities until the debt has been validated. Despite this, they have continued collection activities, including reporting to credit bureaus, without providing the requested validation.

3. Duplicate Tradeline Reporting : Sunrise Credit Services has reported duplicate tradelines for the same debt to the credit bureaus, which is misleading and adversely affects my creditworthiness.

4. Violations of Massachusetts Consumer Protection Laws : Their actions constitute unfair and deceptive practices under Massachusetts General Laws Chapter 93A.

Impact on My Creditworthiness : These actions have deliberately and negatively impacted my credit profile, affecting my financial standing and opportunities, and have caused undue stress and XX/XX/XXXX. 

Request for CFPB Assistance : I request that the CFPB investigate these violations by Sunrise Credit Services and require them to : Cease all collection activities and reporting on the disputed account until proper validation is provided.

Correct all inaccuracies reported to the credit bureaus, including duplicate tradeline entries.

Comply with all applicable laws and regulations regarding debt collection and reporting.

Please note that I have already emailed Sunrise Credit Services about these issues, and they will be receiving a formal letter via mail in a few days.

Thank you for your attention to this matter. I trust that the CFPB will ensure that Sunrise Credit Services is held accountable for their actions.

Sincerely, XXXX XXXX XXXX