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

The Checkr company, which executes background checks for various companies, has been executing a routine, annual background check on me since XXXX of XXXX. 

This background check was requested by XXXX, which is a XXXX company I work for and have worked for since XXXX. 

Previous years background checks have taken anywhere from 5-days to 2-weeks to complete. While the background check is being processed, XXXX drivers such as myself are unable to drive as they await the results. Checkr indicates on their website the following : " Most background checks take 3 to 7 business days to complete, but some may take longer. Every background check is as unique as the individual applying, so the completion time varies with each report. '' My background check is now in month seven ( 7 ), with no indication of it being completed in for the foreseeable future. This prevents me from being able to work and earn income. 

I have been communicating with Checkr extensively since XX/XX/XXXX of XXXX. I have attached a document of the email thread I have used since that time. All they have been able to tell me is that the problem is with the Hawaii courts, as I lived in Hawaii 15-years ago, from XXXX to XXXX. 

Also on their website, specific to Hawaii, the following is found : '' Hawai'i has a law thatlimits an employer 's consideration of criminal records contained in a background check to records whichare no older than seven years. TheFederal FCRA also limits background check reporting periods for certain civil records to seven years, in some cases. '' The link to this wording is here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This would indicate to me that they will never be able to gain background information for me, since I have not lived in Hawaii since XXXX. 

Having worked as a XXXX driver for both XXXX and XXXX since XXXX, each company up until XXXX has completed background checks on me without issue. 
Coincidentally, XXXX just locked my account as it too is using Checkr to perform my annual background check. That process has also been delayed and is at about the 2-week mark since it began.

Though I understand the need for background checks, I believe its unfair to prevent someone from working and earning money by something that is out of their control. 

It should be noted that I am with XXXXXXXX XXXX XXXX XXXX and have XXXX. XXXX XXXX status for travel, both of which performs far more extensive background checks than those performed by Checkr, incudling fingerprinting. Checkr does not perform fingerprinting.

Please help me regain the ability to earn money, as I recently retired and have no other means with which to earn income at this time. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Transunion credit bureau is required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Please update these ASAP. Also, I want these late payments deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My report shows a credit inquiry from XXXX XXXX XXXX on XX/XX/2019. No credit inquiry was authorized. This item is either a fraud attempt or an error. Please remove this item as was requested earlier.
Product: Credit reporting, credit repair services, or other personal consumer reports

Elan has violated FDCPA. Status must state : paid in settlement. Balance written off. Comment must state : paid in full for less than full balance. I had made payment arrangements for a settlement Elan had agreed upon. They even recorded me. Yes they are still reporting incorrect information I have disputed twice w XXXX, once w XXXX, and once w XXXX. I have added documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted you all once before. I'm following up. I was recently went to check out a new car at XXXX XXXX. After carefully consideration I was decided to apply for a loan for this car. Moments later I was decline for a lower interest rate and and approved for an extremely high interest rate. Which prompted me to check my credit report. After doing so I notice a couple of items on my report that are not mine. These items still need to be deleted from my credit report. XXXX XXXX XXXX, XXXX, XXXX-XXXX, XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX. Inquiries : XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

Money sent to wrong person and couldnt get money back
Product: Student loan

On XX/XX/XXXX, I made a {$10000.00} payment to Granite State Management, my student loan servicer. The next day, my loan servicer changed to XXXX. The {$10000.00} payment was pending and I called Granite State to confirm that it could take 2 weeks for the balance to update. Now, 2 weeks later, I have access to my XXXX account but the {$10000.00} has never appeared. It is missing from my bank account. It is no longer on my GSMR payments history. My money has seemingly disappeared.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX {$500.00} was taken from my bank account using XXXX. No request was made by me through my bank- which is how I use XXXX to transfer money. The bank ( Bank OZK ) checked my transaction history to see if the transfer was initiated by me and there was no record of the transfer. They contacted XXXX to no avail and issued an incident report. It is now the XXXX of the month, and I have not been made whole or given any portion of my money back. No explanation of why or how this transaction was made or how I would be refunded my money. It appears to be fraud.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, my wife transferred XXXX XXXX to my Coinbase account. At the time, the value of the XXXX XXXX was {$250.00}, but since then, the value has increased significantly, and the total value now exceeds {$1000.00}. 

However, the XXXX never arrived in my account. After nearly 4 months of waiting, I contacted Coinbase support, and they informed me that for security reasons, they would contact me to request additional information before the funds could be credited to my account. Despite this, I have not received any further communication from Coinbase, and the XXXX has not been credited to my account. 

I opened a support ticket ( Ticket # XXXX ) to resolve this issue, but the case was closed without any resolution or explanation. No unauthorized transaction or transfer was made from my account, and I did not receive any refund or clarification regarding this problem. 

It has now been almost 4 months since the transfer took place, and the issue remains unresolved. I am requesting an immediate investigation into this matter and a full refund of my missing XXXX, taking into account its current value of over {$1000.00}.
Product: Debt collection

I had a debt with a medical office XXXX XXXX XXXX. It was picked up by " XXXX XXXX '' company. They have never contacted me to discuss about this debt. Now they have put a 2nd mark on my credit saying my old debt is a new debt. So now there is two derogatory marks for the same debt. I don't see that fair and especially since I have had no contact with anyone from this agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

ive had some issues with identity theft and upon building my credit i have some unknown inquiries and some unauthorized after vehicle and phone purchases that should be removed there was no signature nor proper authorization and per sections 609, and 604 of  the fcra these are unauthorized and should be removed immediately
Product: Debt collection

To Whom It May Concern ], This letter serves as formal notice that you must immediately cease and desist from engaging in the following activities that are in violation of [ state relevant laws, rights, or agreements ] : Description of the Issue [ Clearly outline the conduct or behavior you wish to stop. Be specific, e.g., unauthorized use of copyrighted materials, defamatory statements, or harassment. ] Explanation of Violation [ Briefly explain why the behavior or action is unlawful, harmful, or inappropriate. Cite any laws, agreements, or rights being infringed, if applicable. ] This conduct has caused and continues to cause harm, including but not limited to [ list any damages or harm suffered, such as financial loss, reputational damage, or emotional distress ].

According to FCRA Section 605B it is illegal to report anthing on my credit report without Repost to followers my permissionCreditPlense remove this negative
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XXXX Reference # : XXXXXXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$450.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party. I am the consumer, natural person and original creditor. Pursuant to 15 USC1681b ( a ) I request the deletion of the following list of hard inquiries included as an attachment in this complaint. Pursuant to 15 USC 1681n ( a ) Transunion is liable for damages due to non compliance and shall compensate me {$1000.00} per inquiry.
Product: Mortgage

1. I asked for a payment history on my loan over 90 days and still have not received it. I have received a couple of letters saying that HFC needs more time. It has been over XXXX days since I made the request. What would take so long to print out my complete payment history. 
2. HFC put my loan back in the bankruptcy department and has turned off my online access to my account. I did n't receive a bill for XX/XX/XXXX. I ca n't view any bills online as I am locked out. I do n't know what my payment is without a bill? 
3. I called on XX/XX/XXXX to make an over the phone payment. I was transferred to the loss mitigation department to XXXX XXXX. No answer as usual so I pressed XXXX. I got a loss mitigation employee that said I needed to speak with the bankruptcy department. I was transferred to another associate and told her that I was trying to make a payment. This associate said okay I will get you to the bankruptcy department. I was transferred to XXXX in the bankrtupcy department. I told her I was trying to make a payment and wanted to know why my account is in the bankruptcy department. I was asked if I recently filed bankruptcy. I said no and she asked if anyone else who lives with me filed bankruptcy. I told her know and she said she needed to review the notes on my account. XXXX told me that there were errors on some payments in XX/XX/XXXX/XX/XX/XXXX and they were being corrected. I asked what payments and why have I received a corrected XXXX. XXXX was unsure and told me that once they complete the audit I would be pushed back to regular servicing. I said I am not receiving bills now and have no online access. I asked why would payments from XXXX years ago need to be corrected now. I asked for a payment history! XXXX has no real reasons. I asked how in the world I make a payment. XXXX said she could take a payment over the phone. I asked what I owed since I do n't have a bill. XXXX just responded with " well what do you want to pay? '' This is such a nightmare I ca n't believe that I am still having to go through this with HFC! I made a payment over the phone and asked when someone would tell me what 's happening and why? XXXX did n't know but gave me the XXXX number to HUD. 
4. Why is my loan is the bankruptcy department? I have been discharged from my bankruptcy since XX/XX/XXXX. Why am I not getting bills? Why is my account access turned off? Why have I received a corrected XXXX? Why have I not received the payment history I asked for over XXXX days ago? 
5. I applied for a loan modification back XX/XX/XXXX and was told my payment history had to be audited back then. It took XXXX year and a compliant to the CFPB to get the modification approval. Now my payments are being adjusted again? What is going on? This is not good business practices. My loan as I assumed is not correct! That is why I am being denied the payment history. HFC is not an honest company!
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car from  XXXX   XXXX   XXXX  and obtained a car loan, last year I struggled to keep up with the payments and the car got repossessed in    XXXX    2016   . Some time in  XXXX  a received a statement from  XXXX   XXXX  stating that they sold the vehicle and I owed them {$440.00} plus cents. Sometime in  XXXX  I received a collection letter from a third party collection agency stating that I owed  XXXX   XXXX  {$20000.00} and some cents, so I immediately contacted  XXXX  and they said they made a mistake and they sent me an incorrect statement and that I owe them the {$20000.00}
Product: Money transfer, virtual currency, or money service

I am submitting a complaint against Cash App ( Block , Inc. ) for inadequate customer service and unfair practices that violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App did not take timely or effective steps to prevent or address fraud on their platform, leaving my account exposed and unprotected.

Additionally, their dispute resolution process was unfair and deceptive, failing to meet the error resolution requirements outlined in the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have resulted in significant inconvenience and financial loss, and I am seeking appropriate remedies for these violations.
Product: Money transfer, virtual currency, or money service

I live in Florida and my only brother is incarcerated in a FDOC state prison, and the only way to send money for him to be able to purchase the BASIC human necessities, which are not provided, is through Jpay, and now they have a unfair rule you have to be on the inmate 's approved visitation list just to simply send money to a loved one. Not only do they XXXX us with unfairly high fees, now this. I am frustrated with this broken system and everyone turning a blind eye to the suffering of people incarcerated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I WAS DENIED CREDIT BY XXXX XXXX XXXX A FEW WEEKS AGO. I WAS SENT A LETTER INSTRUCTING ME TO SPEAK WITH EQUIFAX, SO I CALLED EQUIFAX AND REQUESTED THAT AN OLD FRAUD ALERT, WHICH I WAS TOLD WAS INACTIVE BE REMOVED. AFTER THAT WAS DONE, I APPLIED FOR CREDIT WITH XXXX AGAIN, AND THEY AGAIN DENIED ME SAYING I NEEDED TO ADD A PHONE NUMBER TO MY CONSUMER STATEMENT PORTION. AFTER CALLING EQUIFAX AGAIN, THEY REMOVED A FRAUD INDICATOR ALERT, AT MY REQUEST, AND THEN SAID THE PHONE NUMBER WOULD BE ADDED IN THE NEXT 30 DAYS. THEN, OUT OF THE BLUE, XX/XX/2018, I RECEIVED A LETTER FROM XXXX SAYING THAT " AT YOUR REQUEST, WE HAVE ADDED AN EXTENDED ALERT TO YOUR XXXX CREDIT REPORT. I DID NOT REQUEST THIS, NOR DID I EVER SPEAK TO ANYONE AT XXXX. I ONLY CALLED EQUIFAX, AND I REQUESTED THE FRAUD ALERT BE REMOVED, NOT EXTENDED. I AM NOW UNABLE TO REACH ANYONE AT XXXX, AND I AM UNABLE TO APPLY FOR CREDIT UNTIL THIS IS STRAIGHTENED OUT. I NEED A NEW CREDIT LINE TO PAY FOR MEDICAL EXPENSES THAT CAN NOT WAIT, AND I AM VERY UPSET AND WANT THIS RESOLVED IMMEDIATELY, OR I WILL HAVE TO CONTACT AN ATTORNEY. PLEASE HELP!
Product: Debt collection

Jefferson Capital Systems , LLC, is a debt buyer that purchased a charged-off account from XXXX XXXX XXXX XXXX with a closing date of XX/XX/XXXX. XXXX XXXX XXXX XXXX acquired the charged-off account from XXXX on XX/XX/XXXX. XXXX is the owner of XXXX credit accounts. On XX/XX/XXXX a Summons and Complaint was delivered to a person at my residence of XXXX XXXX XXXX, XXXX XXXX, WA XXXX. On XX/XX/XXXX I sent my response to the Summons and Complaint certified mail with return receipt requested. Upon receipt of the Interrogatories and Admissions, I completed and returned them along with a letter dated XX/XX/XXXX explaining my exempt status and my Social Security XXXX Award Letter. I advised them that the only income I had was Social Security XXXX, which was exempt from collection.The next thing I received in the mail was Note The letter stated that if I choose to ignore the letter, Jefferson Capital Systems , LLC. may seek to enforce the judgement through remedies that it typically seeks, such as obtaining a court order to garnish my wages, levying my bank account, or placing a lien against my home I find this threatening, manipulative and harassing since they are making threats to try to get me to pay on a debt that is clearly exempt from collection activity and illegal to pursue in regard to garnishment, levying or liens. In addition, Jefferson Capital Systems , LLC. is not a creditor but a debt buyer. They are not collecting for the original creditor only for their own profit. They paid pennies on the dollar to purchase the debt, which was not purchased from XXXX or XXXX, but purchased from XXXX XXXX XXXX XXXX XXXX to their threats of pursuing more court collection activity they are causing physical, mental and emotional problems for me. This is not good due to my fragile physical health already, I am asking for your assistance in getting them to understand that my income is exempt and therefore, they have no legal right according to law to pursue collection of this debt.
Product: Debt or credit management

To Whom it may Concern, Please be advised that I am writing to you in regards to XXXX XXXX XXXX. I signed up with them to consolidate my credit card debt, as was explained to me by telephone. They explained to me that they would pay off my debt and I would pay them 1 month sum. Its been 2 months since I signed with them and not only has my credit dropped substantially but they havent paid off my cards. I am not in a good way as I am on XXXX and have about XXXX XXXX  between XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked up my account with them and it states that they do not have one for me and now there isnt even a working phone number to call and their website states temporarily closed. Please help me resolve this as I believe they are stealing my money and not doing what I was told they would and now my credit is completely messed up. They did not send anything for me to sign as I was told they were recording the call. Thank you for understanding and taking the time to read this and help me. I look forward to hearing from you soon. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit card

An XXXX guy called claiming to be from XXXX XXXX Experian from phone number XXXXXXXX XXXX XXXX NY. He asked for my Credit Card information and expiration date, and claimed that he wanted to lower my interest rates at XXXX to my phone number XXXX. I gave him a made up credit card number and expiration date, and he knew it was wrong, so I cursed him out because he asked why I was wasting his time. I hope yall find him and whip is XXXX. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Squium Asset Solutions reported a XXXX collection to my XXXX  and XXXX reports XX/XX/2023. This account doesn't belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cc : Consumer Financial Protection Bureau https : //www.consumerfinance.gov/complaint/ CC : Federal Trade Commission https : //reportfraud.ftc.gov/ # / CC : Office of the Comptroller of the Currency https : XXXXappsec.helpwithmybank.gov/olcc_form/ CC : New York Attorney General Office https : //ag.ny.gov/complaint-forms I agent XXXX XXXX XXXX XXXX to the principal, XXXX XXXX, sent you a letter : document dated XX/XX/2022 to remove charge offs for accounts listed below : XXXX XXXX : XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX : You, credit reporting agency, sent a response saying that the accounts were verified . 

Pursuant to 15 USC 1681 ( i ) I agent, XXXX : XXXX, am expressing my consumer rights by demanding a description of the procedure of reinvestigation. In addition, I demand the answers the following questions : What was your method of verification? 
Who did you interview ( neighbor, family members and/or etc ) and what is the contact information ( phone number, email and/or etc ) and what was the interview date? 

Pursuant to 15 USC 1681, you have 15 days upon letter received to provide the demands stated above. 

With Regards, XXXX : XXXX/consumer/natural person yes, in fact, i am the consumer pursuant to 15usc1692a3 all rights retained.
Product: Credit reporting or other personal consumer reports

Inquires were made that I didn't approveXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The Capital One Auto Finance company has been harassing me for over 12 years for a debt that is no longer mine. The amount of the debt is {$7300.00} which they are saying i owe. This debt was charged off and I am no longer responsible. This company has violated 15 USC 1692-c and they need to stop and cease all communication. They also need to remove this information from my credit report for all XXXX bureaus ( XXXX, XXXX and XXXX.
Product: Debt collection

Mr cooper wants to embezzle my mother 's cash from secured funds from pension and social security plus my disabiilty compensation funds and liquidate our assets for the debts of a third party that is over 10 years ago without responding to the qualified written request because the property is not the bank 's clients and the cash is not the bank 's customers/clients. 
Instead of collecting from their clients in Florida, they appear to be embezzling funds from a protected minority in XXXX Without such information they really can not collect from assets of a third party who is a innocent purchaser of value 2 title companies tried to get the details of the debt for validation/verification and calculation of alleged payorr, and the bank did not comply They sent a letter saying that on XX/XX/2022 the " debt mortgage and FHA '' loan ithird party authorization was rescinded, resscindded by who? the bank? the priorr 2 owners? a third party? Who recinded that, if that is rescinded then you can not colelct from someone who does not know about the debt you are trying to collect. 
that is against federal law, we received some HUD information from your attorneys and we ontacteed HUD, HUD referred us to a regulator to file a complaint for fraud against the banks/title/customers.