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

On XX/XX/2022, First Advantage produced my background report at the request of a company who had made me an offer of employment. 

All information in the background report is correct, except for the criminal records. My maiden name, XXXX, is very common. There is criminal activity on my report attributed to someone named XXXX XXXX, who presumably has the same date of birth as I do. There is no other information in common, as I was advised the public records regarding criminal activity do not include Social Security Number. Further, her known addresses are in TN and MI -- states where I have never lived. 

This woman 's crimes have been attributed to me inaccurately in this background report, and based on very little evidence -- a very common last name and common date of birth. The end result is that my offer of employment has been rescinded. 

In the meantime, I have filed a dispute with First Advantage to have the criminal activity removed. They insist they must contact the court where this woman was convicted for further information to prove her crimes are not mine ; they have a copy of my drivers license now. The dispute will take 15-30 days to resolve. This is clearly unacceptable, as it impacts my ability to be employed.

Someone on the management team at First Advantage should be able to review this criminal 's name and addresses as they appear on my background report and confirm she and I are not the same person. There should not have to be another party involved to resolve the dispute.

This deeply flawed background report process pertaining to criminal activity has a meaningful impact on peoples ' lives and is a very serious matter. First Advantage must be pushed to amend their process so that people applying for jobs or to lease apartments are not viewed as " guilty until proven innocent '' based on loose search parameters tied to criminal activity.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I sent money to a person in XXXX through a money transfer app. I worked with this company before and never had a problem with them when I used my regular bank card. This time I decided to use my cash card that cashapp advised me to open. It's basically a card that you can keep money on in cashapp and you don't need to transfer the money to your bank card for a fee. You just use this card as a debit card. So this payment didn't go through due to some incorrect info of the receiver. The pay transfer money informed me and sent me a reply saying that they did not charge the money, they just reversed them back to my account. To my cash card in cashapp basically. I've reached to cashapp multiple times asking where this money is and to send me an ARN code showing that the money went out of the account which they're saying they did go out but the money transfer app saying they never took that money. I've filed at least XXXX disputes on cashapp, reached to them through their app support. They are not doing anything to help. All they keep saying is they don't have any info at this time. The amount is not small and I wouldn't go to all of this hassle for {$5.00} but it is {$180.00} and this is not small money for XXXX where i was trying to send it to. Now I can't even resend it because cashapp just decided to keep that money and not return it to my card. This is very disappointing because they don't even try to help. At all. I'm very disappointed with this Cashapp app as I've been a Cashapp user for awhile and they are good while you don't have any problems but when you do have an issue with them theh don't care about their customer. As soon as I resolve this issue I will be deleting my account with this app.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by { EQUIFAX }. I believe these late payments are erroneous and do not accurately reflect my payment history. 

ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX - XXXX Nature of the Complaint : XXXX. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts. 
XXXX. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness. 
XXXX. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts. 
XXXX. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information. 
Additionally, the Fair Credit Reporting Act ( FCRA ), specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 
Furthermore, under the FCRA, articles XXXX and XXXX ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, respectively. These provisions provide for damages, including actual damages, attorneys fees, and possible punitive damages, for failure to comply with the XXXXXXXX XXXX requirements.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Marked late from XX/XX/XXXX to XX/XX/XXXX when they had set it up on auto debit from my bank, so it was never late That was part of the arrangement. They then reported no data from XX/XX/XXXX through XX/XX/XXXX when payments were still being made. This account actually got overpaid due to the same billing errors, and they had to refund me. That was an error in the autopay system and likely also the reason for the payments incorrectly marked late.
Product: Credit card

I signed up for credit with XXXX XXXX through XXXX bank to pay for XXXX XXXX for my XXXX in XX/XX/2022. Unbeknownst to me, they signed me up for a card security program that will pay my bill in the event that I can not pay my bill. I never authorized this to happen. The charge on this program monthly is more than the interest I pay on the balance. I have tried to contact them to obtain the supposed authorization I made when I was approved and they just acknowledged receiving the email and then never replied. I have follow up on that email multiple times so that I can have everything in writing and they have chosen not to respond. We are looking at over {$600.00} paid to this program that I can not afford and did not authorize and I want that money paid back. The payments I make every month do not cover the interest and charge for this program and I can never get ahead. Because of this, I can never pay down what is called a promotional balance that basically is you only pay the amount borrowed if paid within a certain timeframe. Since the money I am paying is going to charges not part of those promotional balances, I end up not being able to pay the borrowed amount within the timeframe and then they back bill me for interest. This is unacceptable! 

We are looking at over {$600.00} paid to this program that I can not afford and did not authorize and I want that money paid back. 

I can also pull the emails together if you would like them
Product: Credit card or prepaid card

There was a charge I my account for a purchase I did not make. When I bought the furniture there was a grace period of being interest free. During the dispute process I was told not to make payments as the exact amount of the furniture was now in question. While his was being disputed the grace period ended. I was not informed that the graces. Period would continue while this was in dispute. As a result the credit card company kept charging me finance charges, interest and late fees which is now more than doubling the amount of my furniture. I paid off the amount t of the furniture and the late fees and interest herded and finance charges continue to rack up. I have tried for 2 years to resolve this with the company unsuccessfully and his had dramatically affected my credit. I have now lost my job and because of the affect on my credit I can not apply for loans.
Product: Mortgage

Roundpoint Mortgage has repeatedly not returned my attempts at contacting them since they have acquired my mortgage loan. Their phone system hangs up on me at least once during each attempted contact. It is now three months into their acquisition and they ca n't tell me whether or not my insurance is lumped into the monthly mortgage payment. They have locked me out of my own account without any sort of notice or explanation. I feel like I have no way of knowing whether or not my mortgage loan is being taken care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regional ACC likes to violate the fair reporting credit act, I dont know this company and havent done any business!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was on my way to physical therapy when I was hit by a lady who had no drivers license or insurance. The lady was at fault and received several tickets. My insurance company XXXX determined that my car was a total lose and issued XXXX XXXX a payment of XXXX, XXXX on XX/XX/XXXX. On the day of my accident I got a payoff quote sent to me from credit acceptance ( The Payoff Amount owed on the Account is {$13000.00} as of XX/XX/XXXX ) and I notified them of the accident. I also purchased GAP insurance and a warranty when I purchased the car which totaled 4000, which should take care of the difference. XXXX XXXX is now saying I dont have Gap or a warranty and is reporting to the credit bureaus that I am 60-90 days behind on payments and owe them 2000 ( the amount keeps rising so Im not for sure on amount ). This is the second time reporting XXXX XXXX the first time was for the FAKE warranty that I purchased and now to find out the Gap insurance I purchased was a scam also. 
I sent a dispute to all three credit bureaus that showed all this and explained the date of the last payment was wrong which according to MY RIGHTS the credit bureaus should have deleted it because of incorrect information instead ignored my request and said it was reporting correctly. This would also be the second time all three credit bureaus violated MY RIGHTS, I am also sending a copy of the first dispute where all three credit bureaus refused to delete incorrect payment information.
Product: Mortgage

I spoke to the company that sold my loan to the company XXXX XXXX. They directed me to call the company and lodge a complaint. The company charge a fee which they refer to as a processing fee after the fourth of the month. {$10.00} when you pay online, {$12.00} when you pay by an automated phone call and {$15.00} when you talk to a customer support person to make the payment. This reeks of a penalizing action on the part of XXXX XXXX. It is unfair as throughout the country mortgage holder have until the XXXX of the month to pay without penalties, and since they are telling me that if I pay by the XXXX of the month there is no penalty or processing fee then these fees can be viewed as a penalty. 

When I called and spoke to the company I was told that if I set up autopay there would not be a fee even if I paid on the XXXX of the month, it would appear that these penalizing fees are meant to be coercive so that customers will fall in line and sign up for auto pay. 
I am not happy about this and am asking for your assistance in this matter. 

Thank You XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2021 I purchased concert tickets that I never received from the merchant. They charged my card for the concert tickets, but never gave me my tickets. Its a total of 3 converts, in the following amounts : {$590.00}, {$59.00}, and {$350.00}. I immediately notified my card company, CITI CARDS, and opened a dispute on XX/XX/2021. They issued me a temporary credit and I didnt hear back from them until XX/XX/2021 ( almost two months later ) saying the merchant responded and I was responsible. They didnt tell me what the merchant said as to why I was responsible. I called in, and CITI CARDS asked me to sign and return a document with a written statement as to why I should not be found responsible so they can go back to the merchant. I did that, and a couple days later they denied my claim again. I called back in, and they asked me for an email updating them letting them know that at this point, over 2 months later, the concerts have passed and I never received my tickets nor attended the concerts. I did as they asked, and today I got another notification that my claim was still being denied. I called in and they said that the merchant is asking for proof that I requested a cancellation. I called the merchant several times, and they were unresponsive. I didnt email them because they are in a different country and I didnt feel comfortable emailing a foreign email address. They asked me for my phone records. I am trying to find those, but they want to pin this on me because I didnt email them or have any paper trail. The reason why I dont is because I notified my card company, CITI CARDS, the people who are denying my claim, immediately when I knew I was receiving what I paid for and because they didnt get back to me for almost two months, thats why I dont have any paper trail. They never communicated to me that I should have been reaching out to the merchant via email, or whatever other method, to continue to request cancellation. The times I tried, they did not answer my calls, so I thought the safest thing to do was to notify my card Company. Now it seems like that was a mistake because they are taking sides with the merchant and stressing me out because I can not get my money back. I told them the concerts already happened, and I never received my tickets. Why dont they ask the merchant for proof that I received the tickets instead? That way they can see that the merchant doesnt have that proof because I NEVER received my tickets. Instead of harassing me and making me feel like Im the fraudulent person in the transaction. I have cooperated with them all along hoping they will protect me and my money, their customer. Instead they are siding with the merchant in making me feel like I am in the wrong when they had me mislead by allowing the merchant almost 2 months to answer and still come back only to request paper trail. I resorted to the people I thought I can trust, my credit card company CITI CARDS, and they have failed me greatly up until this point. Please help me in getting them to stand up for me, their customer.
Product: Credit card

i received defective item and i been trying to reach out to return are not giving an return label and also the dispute not accepting my dispute
Product: Debt collection

auto finance bank is now harassing me that I will go to jail. I got this vehicle XXXX months ago and have had nothing but problems with the vehicle smoking, breaking down, and now they said they will put a new engine in the vehicle, but now they wont and said they will come and get the vehicle, even though my payments are up to date. but ive had numerous harassing calls that are recorded, and texts of name calling and other things
Product: Debt collection

Im the XXXX of XXXX, a settlement was reached with XXXX XXXX to settle a credit card debt for less than what was owed. All payments were made. In XXXX of this year, I discovered that they had turned the debt over to a collection agency claiming that they didnt receive one of the payments. I have sent proof that the payments were made, but they keep denying my disputes and wont remove this debt from my credit report. The name on my account is XXXX XXXX, my previous name.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX
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 confidentially under 15 USC 1681 On XXXX the XXXX XXXX I told the experience, transunion, and XXXX to reinvestigate these accounts : ACCOUNT NAME : XXXX XXXX XXXX XXXX : ACCOUNT XXXX : ACCOUNT NAME : XXXX XXXX : ACCOUNT NUMBER : XXXX : ACCOUNT NAME XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX : ACCOUNT NAME : XXXX & XXXX : ACCOUNT NUMBER : XXXX : ACCOUNT NAME : XXXX : ACCOUNT NUMBER : XXXX : ACCOUNT NAME XXXX  : ACCOUNT NUMBER : XXXX : ACCOUNT NAME : XXXX XXXX XXXX : ACCOUNT NUMBER : XXXX : ACCOUNT NAME XXXX XXXX  XXXX XXXX ACCOUNT XXXX : account name : XXXX : ACCOUNT NUMBER XXXX XXXX. However, they stated everything was complete and accurate but how is that possible if the open date, of that activity in much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. When I call the consumer reporting agency and ask how did they get this information on my credit report they had told me the financial institution ( Banks ) which will be XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX also XXXX XXXX had gave it to them without my permission that is a violation of my privacy right under the Privacy Act of 1974 that is identity according to 15 USC 1681 permissible purpose. Also violated the code fcra/ftc/cfr and USC codes. I was not involved with these transactions they have stolen my non-public personal information and also the financial institution when it gets their terms and conditions under their privacy policy that they have made with me at the time of opening the accounts that they will not share my information to non-affiliates XXXX, TransUnion, XXXX and XXXX XXXX XXXX are third party companies. IT'S CALLED DAMAGE TO ME SUFFERING STRESS XXXX LOST MY FAMILY LOST MY HOME CAUSE XXXX CONFUSION AND WHEN I FOUND OUT ABOUT WHAT WAS GOING ON IT CAUSE MORE XXXX TO MY XXXX XXXX WHERE I HAD TO XXXX XXXX XXXX XXXX. THE FINANCIAL INSTITUTION ( Banks ) been buying and selling my non-public personal information without my permission or without my written. Also XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 a section 2. It also states that consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting AC may make any Consumer report containing any of the following items of information any other advice items or information, other than breakers 2 convention of crimes which antedate the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ). A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has responsible calls to believe that the information is incorrect.

I also opted out out of all these account and it's still on my Consumer report
Product: Credit reporting, credit repair services, or other personal consumer reports

see FCRA violations : Not mine : XXXX XXXX {$170.00} Closed 29 potentially negative months XXXX XXXX Original creditor : XXXX XXXX XXXX - Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 100 % Balance on XX/XX/XXXX Original balance - {$710.00} Payment Info Original balance {$710.00} Balance - Status Paid, was a collection account, insurance claim or government claim or was terminated for default Status date XX/XX/XXXX Additional info Comments Account information disputed by consumer Your statements - Contact XXXX XXXX XXXX  FL XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX  XXXX {$1300.00} payment never late : please send all proof of this violations : XXXX XXXX XXXX  XXXX {$10000.00} Balance updated XX/XX/XXXX 3 late payments Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Auto Loan I'm very sure this is a violation showing a paid account as no history of it : see attachments for proof : XXXX XXXX Unknown payment history {$0.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Revolving Usage : 0 % Balance on XX/XX/XXXX Credit Limit {$0.00} {$2500.00} XXXX  XXXX XXXX XXXX  {$12000.00} Balance updated XX/XX/XXXX 3 late payments Account Info Hover over labels for more details Account number XXXX Account status Open Date opened XX/XX/XXXX Account type Installment no creditor like XXXX XXXX XXXX XXXX  XXXX  : or Playmaker Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Account Paid off : 0 % Balance on Original balance {$94.00} - Payment Info Original balance - Balance {$94.00} Status Unpaid Status date XX/XX/XXXX Additional info Comments - Your statements -
Product: Debt collection

I cancelled XXXX XXXX  several years ago. I asked repeatedly why they were billing me for {$110.00} when they confirmed I'd already returned the material they wanted. They never answered and never told me. Since then they have repeatedly filed with all three credit agencies for the {$110.00}. This charge is always removed when I dispute it. Today it went to XXXX, and I disputed it. They change collection agencies, and then refile the debt. They are only allowed to do this once, and they have done it at least five times. I am not paying them. I don't want to have to keep disputing these submissions and want them to be made to stop. If you are not the appropriate place to file this complaint, please let me know. Thank you.
Product: Checking or savings account

I sent evergreen services notice to revoke my ach on XX/XX/XXXX, they acknowledged it. My debt management company also sent notice to revoke on XX/XX/XXXX. Friday XX/XX/XXXX they initiated a withdrawal of {$170.00}, when asked why this transaction was initiated when they were revoked they said its required, and a refund would not be issued. This transaction was revoked more than enough time in advance it should not have been initiated
Product: Checking or savings account

I was expecting a deposit from my employer which I usually receive by XXXX XXXX Capital one made no mention of a delay. I was told there was no issue and they havent received my deposit, but that was a lie because my employer is a large corporation and they paid everyone else. They then said it would be fixed by 1. That was also a lie. I have received no update, and they have received my deposit and will not make it available. This has had a detrimental impact on my life and finances.