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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ga XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX Subject XXXX Complaint Regarding Background Check and Job Offer Withdrawal To Whom It May Concern, I am writing to formally file a complaint regarding the handling of my application for the position of Grocery XXXX XXXX XXXXXXXX. On XX/XX/XXXX, at approximately XXXX XXXX, I was offered the position, pending a background check conducted by Sterling, XXXX chosen third-party service provider. 

On XX/XX/XXXX, I received notification that XXXX was rescinding the job offer based on the results of a 30-year background check. The stated reason for withdrawal was a misdemeanor charge from three decades ago. I believe this decision violates several legal and ethical standards, including : Fraudulent Misrepresentation of Position Salary : XXXX appears to have misclassified the position I applied for as one earning {$75000.00} or more annually to bypass the Fair Credit Reporting Act ( FCRA ) time restrictions. This position, as advertised and offered to me, does not meet that salary threshold. Under FCRA guidelines, background checks for positions earning less than {$75000.00} are restricted to 710 years. Conducting a 30-year background check for this role is unlawful.

Potential Violation of Title VII of the Civil Rights Act of 1964 : I believe that this decision may also constitute discrimination based on race and/or age. Such actions undermine equal employment opportunities and contravene federal law prohibiting discriminatory practices.

I respectfully request a thorough investigation into this matter, as well as an explanation of XXXX justification for this decision. Additionally, I am exploring my legal options, including filing for monetary damages for the distress and harm caused by this unjust treatment. 

Please contact me directly at XXXX XXXX or XXXX to discuss this matter further. I look forward to your prompt response and resolution. 

Thank you for your attention to this serious issue. 

Sincerely, XXXX XXXX
Product: Mortgage

On XX/XX/2020 I applied for refinancing with Caliber Home Loans. The Loan was conditionally approved on XX/XX/XXXX. After submitting all the necessary documents they requested to underwriting we were approved and signed the refinancing agreement on XX/XX/XXXX. The new rate would lock us in at a saving of about {$400.00} a month. It is now XX/XX/XXXX and the loan has still not been closed. They have continued to give me excuse after excuse because of a subordinating home equity line. It was told to me that all the escrow need for my taxes would be included in the loan and we would be getting our current escrow amount back, but then as of recently they said i owe XXXX. I'm assuming someone didn't do their paperwork correctly and due to the lengthy closing process my taxes were paid out and left me with a deficit. The resolution i'm looking for is this get closed in the next 6 days. If it's not closed by XX/XX/XXXX, I'm requesting no payment for the month of XXXX or XXXX. The first payment will be XXXX XXXX. I want an explanation to why i was told i would have XXXX coming back to me from escrow and now i'm XXXX in the red. I want some sort of compensation for the {$800.00} i lost over the last two months for the difference in my mortgage that should have been closed. If this is not resolved by XX/XX/XXXX. I will have no choice, but to turn this over to my Attorney as i'm tired of dealing with it. The people i have dealt with from Caliber are XXXXXXXX XXXX XXXXXXXX, XXXX XXXX, and XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX BALANCE {$65.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I notice someone access my credit with out my permission. I contacted all three credit bureau to add an fraud alert on my report. the companies placed the alert on my report so I thought. this week a company was able to run my company with the fraud alert added. fraud alert is not added and I don't knw why
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REPORTED MANY TIMES THAT MY SSN WAS PROVIDED TO ANOTHER PERSON, MY NAME DIFFERS FROM THE ONE IS THERE AND I HAVE COLLECTIONS THAT DOES NOT BELONG TO ME. THIS PERSON HAS A ID TEXAS CARD BUT IT IS NOT ME. I HAVE REQUESTED MANY TIMES TO INVESTIGATE ON THIS MATTER BUT NO ONE DOES IT AND IT HAS AFFECT MY CREDIT SO BAD. THE ONLY CREDIT I EVER HAD WAS A CREDIT CARD PAID OFF TO XXXX XXXX. AFTER THAT I NEVER USED MY CREDIT FOR ANYTHING, I AM UNABLE TO GET ANY TYPE OF CREDIT AND I AM A DISABLE PERSON, UNABLE TO BUY A CAR OR A HOUSE OR ANYTHING.
Product: Credit card

I purchased a XXXX XXXX XXXXcket # XXXX BKK to SUB for {$120.00} on XXXX XXXX when I pressed pay with Fidelity signature credit card I got charged surreptiously {$7.00} additional.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Equifax for " Verification '' in accordance with 15 U.S. Code 1692g. After the completion of its investigation, Equifax confirmed on twice that the record being reported on my report was " Verified as accurate ''. Please see the attached investigation completion letters. I sent a letter to the Bankruptcy court located at XXXX XXXX XXXX XXXX XXXX, FL XXXX ; disputing this claim/error and received a response from the XXXX  Clerk stating that " The court does not report any filings to the credit agencies '' therefore, this record was not properly validated or verified by Equifax. Please see the signed/sealed letter from the courts.
Product: Checking or savings account

On XX/XX/XXXX, I made a deposit of {$180.00} because I received a letter stating that I had an overdraft. When I got the printed receipt, I notice my account was still negative even though I added the amount of the overdraft. 

I called that same day and a lady told me that I was enrolled in this program and that she could help me unenroll of it, but I still had to pay the {$210.00} overdraft fee. I asked if there was a way to waive this as I wasn't aware I was part of this program and she said I have to go to the branch. 

Today, XXXX XXXX, I went to FIRST HORIZON bank in XXXX and asked about this and they told me that it was my fault for not keeping track of my expenses every time I swipe my card. I told them that this happened to me once with another bank, but instead of processing the payment, it was declined. I explained I was expecting the same : If I swipe my card and there is no money, it should show declined and not process the payment. I have 2 debit accounts, which I use very often : I am not logging into the app every single time I make a purchase. That if there is no money, do not process the payment so I can use my other debit card and make the transaction if I want. 

I told them I didn't ask to be ENROLLED in this overdraft program and that I shouldn't be paying for something I didn't ask for.
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 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 seven years.

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, credit repair services, or other personal consumer reports

TransUnion does not have account by XXXX XXXX XXXX account XXXX showing on my account it was closed. The account was open in 2008 and there was not ever no late payment. I have my other 2 credit reports that show XXXX XXXX. 
I don't no why this was taken off my credit report.TransUnion seems to remove accounts that paid off and in good standing. I'm also filing a complaint with US attorney consumer complaints to TransUnion Practices and other various issues with TransUnion
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX XXXX XXXX XXXX XXXX  XXXX - collection XXXX XXXX - collection XXXX XXXX XXXXXXXX - late payment XXXXXXXX XXXX XXXX XXXX XXXX XXXX - collection XXXX XXXX XXXXXXXX - collection XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 filed a dispute on XXXX, XXXX XXXX due to credit reporting. Experian denied to follow up with the investigation. I recently was notified that CFPB has filed a lawsuit against the company ( experian ). 
They alleged the company of accepting unreliable information, failure to notify consumer dispute results. This aligns well with my situation! Experian has not attempted to remove, nor correct any information. I'm requesting this derogatory remark be removed or corrected immediately as it's affecting my chances of getting ( house, car etc ). Experian violates my rights as a consumer, as well as federal laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 a credit card account COMENITY XXXX XXXX was opened fraudulent under my name and the bank as well as the credit report agencies XXXX, XXXX and XXXX are falsely and and innacurately reporting such account as mine. Ive submitted a dispute to the mentioned credit bureaus and the bank under FCRA law with no answer and that false reporting is dammaging my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

Consumer XXXX went to Truist bank in XXXX Florida and submitted an application and was denied a loan.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavors that I am a victim of identity theft, and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please remove the reporting of any information in my credit file 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$590.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Owed : {$460.00} XXXX XXXX XXXX  XXXX Balance Owed : {$8300.00} XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a forbearance plan and had to make a certain amount of payment each month for 3 months. On the last month I put the payment on auto pay to make sure it would continue to pay after the three months. The autopayment did not take enough money out and the company reported me as delinquent. I called and they rectified the error and stated it was their mistake, the loans are now reporting 90 days past due one time and hurting mine and my cosigners credit significantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written the bureaus and they have not corrected the issues. I have multiple inquiries and have asked to to show proof of my signature requesting inquiry. If not they must remove from my report. 

here are the inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  - XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from XXXX XXXX XXXX, that I believe is not being reported correctly on my credit report. On XX/XX/XXXX, I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account, ( see Attached ). After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/XXXX, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the three credit bureaus, along with my incident report, ( which are attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX XXXXXXXX is reporting. So far, I have not gotten a response from them either. As you can see, I have been dealing with this situation for several months with no success, so I am writing to you to help me with this matter.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp and it's companies ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving both my personal account and business account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and very deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and loss of revenue for my business. Whenever I had a problem and needed customer service there was a huge hurdle with little or no resolution. I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I recently signed up for a new credit card from Chase Bank co-branded with XXXX XXXX. The card came with a promotion that requires a minimum spend of {$4000.00} within the first 3 months in order to receive the promotion. I have been using the card exclusively to reach the spend goal and also switched all of my automatic payments over to this card to help reach the required spending. Today XX/XX/2019 at approx. XXXX XXXX XXXX time, I went to make a {$3.00} purchase at a coffee shop and was embarrassingly informed that the card was declined. I called Chase at approx. XXXX XXXX XXXX  time to inquire why the charge was declined. During the call the rep from Chase also informed me that an automatic payment was declined. The reason for the declines according to Chase was that Chase put a temporary hold on the account. Why? I was told it was a random hold. This was never communicated to me so that I could make alternate arrangements for the automatic payment and nor was this communicated when I signed up for the card. Had I not called I would not have known about the declined automatic payment and been charged a late fee and an insufficient funds fee. Additionally, the rep informed me that Chase puts random holds on accounts from time to time. So basically, I should never set up auto payments with their card. Also I am taking a chance of another embarrassing moment of having the card declined at a merchant. I have had automatic payments set up with XXXX XXXX XXXX and XXXX and NEVER, I repeat NEVER experienced anything like this. Very discouraging business practice when you want people to use your card. 
Also, very poor customer service by their senior phone rep.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted documentation showing that the documentation from XXXX could not verify XXXX and update and correct my credit report and they did not. 

The certified mail was sent on XX/XX/XXXX and received on XX/XX/XXXX to date correction has not been made by XXXX and Experian
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. I HAVE ALWAYS FOUGHT TO MAINTAIN A GOOD CREDIT SCORE BECAUSE I UNDERSTAND THE IMPORTANCE OF HAVING GOOD CREDIT. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. THEREFORE I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed and asked to remove XXXX XXXX XXXX form my credit report with transunion. I am asking because the account does n't belong to me. The account was transferred without my knowledge.I am asked for it to be removed.
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : I recently sent you a request to reinvestigate the information previously disputed. Please review my prior correspondence, which I have attached. 

This is the account in question : Account Name : [ XXXX XXXX ) Account Number : [ XXXX, XXXX Reason : [ 30 days late payments dates - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I am losing patience with the computer-generated replies I have got. If the information is not immediately reinvestigated and removed, I will be forced to seek legal advice and submit complaints with regulatory enforcement organizations such as the Consumer Financial Protection Bureau, the Federal Trade Commission, and my state attorney general. 

Remove this incorrect information at once and send me an updated copy of my credit history report. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I am filing to formally file a complaint against XXXX CARD due to their failure to properly validate and verify an account listed on my credit report. This complaint concerns violations of my rights under the Fair Credit Reporting Act ( FCRA ). XXXX XXXX has not provided adequate validation and verification of the debt they are attempting to collect. Despite my formal request, they have not supplied sufficient documentation to substantiate the legitimacy of the debt. This failure to validate and verify the account constitutes a violation of my rights under the FCRA. 
XXXX  CARD XXXX Owed : {$52000.00}
Product: Credit reporting or other personal consumer reports

I were a victim of XXXX data breach and inaccurate information needs to be removed.
Product: Debt collection

CFPB : My name is XXXX XXXX and the collection company I am talking about is called IQ Data International. This in regards to a charge that my old leasing company feels that they need to pin on me. I am having an attorney look at this as we do not feel we are responsible for the amount owed which was {$890.00} and they start to add interest. The address in the letters that they have sent state that they are from XXXX in Washington, but, the calls come from an XXXX   area code which is the XXXX XXXX area. We are disputing this and I made that very clear to the Agent that I had spoken to from this so called collection agency. His name was XXXX XXXX, but, that could be a fake name. This agent was beyond unprofessional and he was making threats about my credit and it was as almost as if he was trying to bully me into giving him my credit card information. I called XXXX XXXX trying to explain the situation that I did not agree to any amount that was charged to me and that I was challenging this. The leasing company never even sent me a bill ( Invoice ) as they just sent to this IQ Data International. After giving XXXX XXXX a piece of my mind I terminated the call. Now they have someone named XXXX trying to call me. I am not This company 's approach at collecting debt is completely out of line and it really seems like a scam. I do not want these people calling me or sending me any more letters.

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

I have unauthorized inquiries on my report and I need them removed. Ive filed disputes already amd now I need the removal of these items expedited. 
These following inquiries were unauthorized : XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit card

Recently XXXX has been upgrading XXXX Members to XXXX XXXX  status without the member having to earn the status via XXXX ( XXXX XXXX XXXX ). Members within this status are given their first checked bag free. This is a benefit also offered through the XXXX XXXX XXXX credit card ; however the credit card comes with a {$150.00} annual fee. Non- American Express XXXX holders are being given similar free rewards compared to individuals who are paying annual fees. 

Other benefits offered by the credit card such as the {$200.00} award after spending {$10000.00} per year do not offset the cost of using the card. The net benefit for that award would be {$50.00} per year. That would be half of XXXX cent per dollar spent, provided the user was able to spend only exactly {$10000.00}. More spend does not equate to more benefit. 

This year American Express raised the annual fee from {$99.00} to {$150.00} and the rewards offered do not support that increase.