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

I am employed by XXXX and have been employed for 8 months. At the beginning of my employment I passed all the background screenings and have been employed for 8 months, all of a sudden I received an adverse action email from XXXX stating that my background check from their background company showed two outstanding XXXX. I questioned this with them because I have been employed 8 months and already passed the background. 
Upon dealing with Checkr, who is the company XXXX uses for these screenings, I did find out about two XXXX in XXXX XXXX AZ. Case # XXXX from XX/XX/1998. This is very old and was not accessed when I first applied so I do not understand why they can use this against me at this time and barr my employment. 
I have contacted the court and set-up a payment contract with them and they will be removing the XXXX but I am not sure if I will be getting my employment back. So I have a couple questions : Why is these XXXX not off my report due to length of time passed Why after 8 months of employment did they have the right to rerun my background and provide new information when I did not agree to any new background checks. 
I have provided Checkr with all the information that the court has provided me but they have not cleared this report, which the court said would be immediatley cleared asap and XXXX lifted when payment contract was started I want to make sure I am able to go back to work and I want to know if XXXX and Checkr are allowed to do this.
Product: Payday loan, title loan, or personal loan

I did a consolidated loan using Best Egg with an advertised interest rate of 8.13 %, but when the payments started Best Egg actually took 31.76 % interest and stated it was written in the contract as " daily charges. '' On XXXX XX/XX/2022, the first payment was made. The loan is supposed to have a set interest rate of 8.13 %, but the first payment indicated an actual interest rate of 31.76 %. 

{$110.00} ( interest ) / {$370.00} ( monthly payment ) = XXXX Fraud was committed. Best Egg advertises quick access to funds and low interest rates in large bold print. That low interest rate will be the first and only thing seen when you login ( I took screen shots ). Best Egg adds on daily charges that are not spoken about and does not match what they advertise. 

There were no wet signatures used. Everything was done online. The loan and contract are invalidated and need to be canceled due to breaking the contract, and false and surreptitious advertising.
Product: Student loan

I recently logged into EdFinancial to check my student loan payments and balance. When I looked at the total it was higher than I have ever seen it- noticing they did not have my previous 10+ payments applied to the balance. I called and spoke with them 3 times with no answers. Every time I try to call and talk to someone who can actually help or call me back I am faced with a XXXX wait time. They have a recording saying they will hold your place in line and call you back when it is your turn. I never once received a call back. I have emailed NUMEROUS times with XXXX responses, I have been on their digital chat which is only a robot and gets me nowhere. I took all of my previous payment confirmations from XXXX and mailed them to Edfinancial showing my proof pf payment. They were never applied, nor did I hear from anyone regarding anything. This is tremendously XXXX  producing. This has been going on for the last 2+ months.
Product: Debt collection

I have a collection from Fair collections and outsourcing for {$4500.00} opened XX/XX/2015. I have never received a notice of this debt in letter form, I have not been contacted by the collection agency. I have attempted to dispute this debt through XXXX XXXX and XXXX, within 24 hours of starting the dispute it is returned as valid. This is preventing me from being approved for a home loan and is extremely irritating.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a previous dispute I submitted to Experian, XXXX and XXXX regarding inaccuracies on my credit report. I have not received a satisfactory resolution, and the inaccuracies remain on my report. 

I am now seeking the intervention of the Consumer Financial Protection Bureau to ensure my rights are protected and that my credit report is accurate. Here 's the details of the disputed Items : XXXX : Listed below are the Accounts that are being challenged XXXX - XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXXXX Listed below are the Personal Information that are being challenged Employer - XXXXXXXX XXXX Incorrect XXXX : - XXXX Employer - XXXXXXXX XXXX XXXX Incorrect Name : XXXX XXXXXXXX XXXX XXXXXXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Enclosed are copies of the following documents and Experian : Listed below are the Personal Information that are being challenged Incorrect DOB : - XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX TX, XXXX Incorrect XXXX Address XXXX - XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, TX, XXXX Incorrect XXXX : XXXX XXXXXXXX XXXX XXXXXXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXXXXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Transunion : Listed below are the Personal Information that are being challenged Employer - XXXX XXXX  Incorrect XXXX : - XXXX Incorrect Name : - XXXXXXXX XXXX XXXXXXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX, XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has refused to do a proper investigation into fraudulent inquiries reporting on my credit report and providing proper valid verification for the following fraudulently inquiries : 1. XXXX ( XX/XX/XXXX ) 2.XXXX  XXXX ( XX/XX/XXXX ) 3.XXXX  ( XX/XX/XXXX ) 4.XXXX ( XX/XX/XXXX ) 5.XXXX ( XX/XX/XXXX ) 6.XXXX XXXX XXXX ( XX/XX/XXXX ) Verifying saying this is my debt when its not according to section 606 of the FCRA is a violation of my consumer rights and could result in a serious fine. This must be removed from my credit report immediately. I provided my identity theft report twice without response.
Product: Checking or savings account

I disputed an XXXX transaction on my Robinhood debit card ( in the amount of {$15.00} ). Then without providing a reason, Robinhood sent me an email stating they have restricted my account. Then after calling and emailing them for more than 20 times, many of which the customer agents hung up on me, after telling me theres nothing for me to do besides waiting - plus I can not close my account or withdraw any of my assets. 

I then waited for another week and without providing a valid reason, Robinhood has emailed me saying they are closing my account. But offered no timeline, or details on how my current funds in Robinhood will be refunded. I emailed them asking for these information and they said they will return the money to my bank account in 120 days. However that makes no sense because my positions are all closed and the funds are just sitting in Robinhood. I was prevented from linking my bank account to Robinhood to withdraw my cash. Theres over $ XXXX just sitting there and Robinhood has provided no reason or process for the refund to be given back to me. 

Robinhood also blocked me from updating my phone number ( my older number has been disconnected and I had emailed them about updating my new phone number for weeks ) on the app which prevents me from getting access to the customer service center via phone. Even though I verified myself through uploading a picture of my ID + real time selfie + social security number.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 


XXXX XXXX XXXX
Product: Mortgage

Mr. Cooper paid another homeowners hazard insurance policy out of my escrow account on XXXX and still havent reimbursed my escrow account. I have made 5 phone calls and this still hasnt been resolved. I have a shortage in my escrow account and there is an escrow analysis that will be happening before the end of the month. If this is not resolved my payment is set to increase by approximately {$200.00} per month. I need this resolved immediately and Mr. Cooper has not been cooperative for their error.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding XXXX XXXX inaccurate furnishing of information to credit reporting agencies, as well as Experians failure to maintain maximum possible accuracy. 

1. XXXX XXXX claims in its XX/XX/XXXX, response that my first missed payment occurred on XX/XX/XXXX. However, my Experian credit report for XX/XX/XXXX shows the account as current, contradicting XXXX XXXX claim. 


2. Despite this, XXXX XXXX reported the account as delinquent, resulting in a charge-off status on XX/XX/XXXX. 


These actions violate the following federal statutes : 15 U.S.C. 1681e ( b ) : Experians obligation to maintain maximum possible accuracy.

15 U.S.C. 1681s-2 ( a ) ( 1 ) : Prohibition against furnishing inaccurate information.

15 U.S.C. 1692e : False and misleading representations in debt collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

As I investigated my credit report, I found out that some of the information are incorrect. The 3 credit bureaus are required to correct these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). Again as previously stated under provisions of the Fair Credit Reporting Act 15 U.S.C. Section 1681i, please reinvestigate and update the following accounts. Fifteen ( 15 ) days from receipt of this letter is the length of time you are allowed under 15 U.S.C. Section 1681i ( 5 ) ( A ) to complete these actions unless you notify me otherwise. It should be understood that failure to verify within this time constitutes non-verification, and the accounts must be promptly updated. These are the following accounts that needs to be corrected : XXXX XXXX XXXX Balance : {$95000.00} ; XXXX XXXX XXXXXXXX Balance : {$540.00} ; XXXX XXXX Balance : {$320.00} ; XXXX XXXXXXXX Balance : {$2900.00} ; XXXX XXXX Balance : {$3100.00}.
Product: Debt collection

The debt collector didnt provide me with information about the debt, including the amount owed and to whom it was owed.I did not receive any written notification nor was I afforded the opportunity to request validation of the debt. All I received was a text message on XX/XX/29 notifying me that Zion Debt Holdings would report the debit to the credit bureaus if I didnt pay by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXXand contacted the police department and obtained a police report # XXXXwhich both areattached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX Last reported XX/XX/XXXX {$1700.00} Open balance 11 XXXX Opened XX/XX/XXXX XXXX   XXXX Last reported XX/XX/XXXX {$1100.00} Open balance 08 XXXX  XXXX XXXX  XXXX XXXX XXXX Original creditor XXXX   Opened XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$1100.00} Open balance XXXX XXXX XXXX XXXX   XXXX Original creditor XXXX Opened XX/XX/XXXX XXXX XXXX XXXX Last reported XX/XX/XXXX {$24000.00} Highest balance {$27000.00} Opened XX/XX/XXXX XXXX Last reported XX/XX/XXXX {$1000.00} Reported balance Opened XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has been a complete Nightmare. I traded in my XXXX XXXX XXXX into the XXXX Dealership for a new Vehicle XX/XX/XXXX. 

It was paid off and transferred from my name by XXXX XXXX to XXXX XXXX. Over the years I've contacted Exeter Financial about the late remarks and continued bad errors. 

The have refused to remove them. I called them to ask for the removals and they retaliated and added 2 More. Please investigate and reprimand this company for tarnishing the reputation of my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

My sister 's date of birth is listed on my credit report as my date of birth. Whatever accounts she opens automatically goes to my account and not my sisters. I have tried to correct this with the accounting agencies to no avail. My sister birthday is listed as mine. 

My sister bought a house but it says that I have the house. I have repeatedly told them this is wrong. I haven't gotten letters from hospitals etc. That my account has been breached. It was supposed to put a security alert on it and it did not. Her accounts affect my credit score.
Product: Credit card or prepaid card

My cashapp was charged a large amount that I didnt authorize. I contacted cashapp and theyre saying they dont see any transactions from me for today XX/XX/22 and test my cashapp account is showing in the negative and their is no history attached to the transactions. This is all of my money and their telling me the turnaround time is 4-6 weeks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX of XXXX  I had received pre-approval letter from Capital One for their XXXX credit card. The letter also states that if I open a XXXX credit card account with them by XX/XX/2023, and spend {$500.00} on purchases within 3 months of opening the account, I will earn a {$200.00} one-time cash bonus. 
By XX/XX/2023 I had spent over {$500.00} on purchases and didn't receive the {$200.00} cash bonus that I was promised. I called capital one and spoke to a few different representatives from their rewards department regarding this matter but they all made up different excuses why I'm all the sudden not eligible for the bonus.
Product: Credit reporting or other personal consumer reports

I have disputed the collections account on several occasions asking the company to remove it from their database. No action ( s ) have been taken by the company to remove the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under Florida law a company has to be licensed in the state of Florida to collect a debt from a Florida resident. Title XXX111 Chapter 559. 553 ( See attached documents of Florida Statues ). This applies to all consumer debt collection agencies. ( It is a felony for a consumer collection agency to try to collect a debt from a Florida resident if that agency is not licensed in Florida to collect debts. Title XXX111 Chapter 559. 565 ( see attached documents ). XXXX  and Equifax are complacent in this felony by allowing XXXX XXXX XXXX to report their trade line on my credit report. XXXX XXXX is not licensed in Florida as a consumer collection agency. XXXX XXXX is engaging in a felony by trying to collect this debt from me and XXXX  and Equifax are allowing XXXX XXXX  to commit this fraud there by making both XXXX  and Equifax guilty of conspiracy to commit fraud. I have filed a complaint with the Florida Attorney Generals office against XXXX XXXX XXXX. I have informed them in my complaint that XXXX  and Equifax are both aware that XXXX XXXX is committing a felony and are allowing this felony to continue. XXXX XXXX XXXX does not have a legal right to collect this debt or attempt to collect this debt according to Florida law. I want XXXX  and Equifax to supply me with proof that XXXX XXXX XXXX has a legal right to collect this debt under Florida law ( I live in Florida ). XXXX  and Equifax both know that this company XXXX XXXX XXXX is currently under investigation with the SC Attorney Generals office as well as the Florida Attorney Generals office for committing fraud and violating Florida law on debt collection. Yet despite knowing all this XXXX  and Equifax are still allowing this illegal and fraudulent debt to be reported on my credit reports. Under the FCRA a credit reporting agency has to verify the accuracy of information that a company reports and has to verify the debt exist. The fact that XXXX XXXX is commiting a felony under Florida law by attempting to collect this debt make the debt an illegal debt and therefore can not be verified to be accurate. Once again XXXX  and Equifax are knowingly allowing companies to commit fraud and violate state laws.. Let this complaint serve as official notice to XXXX  and Equifax that they are violating the FCRA by not validating the authenticity and legality of this debt. I do plan to use this complaint as evidence in court when I file a lawsuit against Equifax and XXXX.
Product: Money transfer, virtual currency, or money service

Money was transferred out of our Chase bank accounts by XXXX money orders on 4 separate money orders on XX/XX/XXXX XXXX XXXX XXXX of XXXX Three separate transfers on the XXXX and one on the XXXX of XXXX, XXXX totaling {$6800.00}. We did not authorize the transactions. Chase says we authorized these transactions, so the case is closed. I also reached out to XXXX. They said they couldnt find records of these money orders. Only if the authorities reach out to them with our case number, will they then attempt to trace these transactions. I also filed a complaint with the XXXX XXXX ( Michigan ) Sheriffs Department. 
XXXX XXXX Sheriff tracking number : XXXX XXXX case number : XXXX
Product: Credit reporting or other personal consumer reports

I all ready file this complaint with u all all so this item have different open dates on my credit card which is incorrect from all three bureau companies
Product: Debt collection

I received a letter in the mail saying that I owed on an account that I never had. They are trying to get me to pay a reduced amount for the whole of the account. They sent a fraudulent bill. I checked my credit report and the account is not there. I am contacting this department to report them for fraud.
Product: Credit card or prepaid card

By law First Progress has agreed to close my account on XX/XX/2021, withhold {$120.00} from my {$1000.00} security deposit to pay for the amount I have disputed with CFPB recently, refund me the remaining {$870.00} from my {$1000.00} security deposit, as indicated in their XX/XX/2021 statement, but within a recent XXXX complaint filed against them, there in this XXXX  Complaint and CFPB above referenced Complaint it was proven that they have rebilled the {$120.00}, after the above withholding payment of {$120.00}, which has evidently been ignored and discounted as with the refunded {$870.00} in closure agreement, proven with the following statements resulting in the XX/XX/2021 Statement balance due of {$390.00}. 
The above First Progress withholding & rebilling {$120.00} contradictions and refunding {$870.00} & thereafter billing {$390.00} contradictions, after XXXX balance closure agreement statement dated XX/XX/2021, and refusing to report a XXXX balance to all 3 Credit Bureaus proves, as evidenced above, the guilt of " false and deceptive business practices by First Progress ''!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that a new account showed up on my credit report for a loan that I have never applied for and don't want this on my credit report or want it to lower my credit scores being I never have applied for a loan with Moneylion Inc .
Product: Vehicle loan or lease

Dear Sir or Madam, I am writing to dispute the following information in my file. I have circled the repossession I dispute on the attached copy of the report I received. This repossession is inaccurate or incomplete because [ Never received any documentation for repossession XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX timelessness of notification before disposition of XXXX I am requesting that the item be removed [ or request another specific change ] to correct the information. 
Please reinvestigate this [ these ] matter [ XXXX ] and [ delete or correct ] the disputed item [ XXXX ] as soon as possible. 
Sincerely, [ XXXX XXXX ] Enclosures :
Product: Credit reporting or other personal consumer reports

I did not contact these creditors for credit and these inquiries have been made without my knowledge and permission. please delete XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX