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

Earlier this year, I successfully had my record sealed ( completed XX/XX/2024 ), just XXXX XXXX XXXX XXXX XXXX Since then, I have been actively applying for jobs. However, Ive encountered significant issues with Checkr, a background check company, which has repeatedly refused to correct inaccuracies in my background report, despite my providing evidence and disputing the errors multiple times. ( XX/XX/XXXX - XXXX 2024 ) As a result, I have been unjustly denied employment opportunities, which has been both frustrating and damaging to my career prospects. From my understanding, this situation may be a violation of the Fair Credit Reporting Act ( FCRA ), and I believe I may be entitled to compensation for the harm caused by their negligence.
Product: Checking or savings account

My business checking account with US Bank had 2 disputed charges from the same merchant, the first charge was handled properly but the 2nd charge was not handled properly by US Bank ( they submitted the dispute incorrectly and kept closing it for reasons that had nothing to do with the dispute ) and now they are refusing to do anything further on it. After numerous phone calls, speaking with supervisors etc they are stating they are past their timeline to do anything further. I have advised the 2nd dispute was not handled properly from the beginning by their side they need to resolve the issue. They refuse, citing they are past the time line where they can do that. I have given them ample opportunity to resolve the issue and they refuse.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX on XX/XX/XXXX because I have been violated of my rights by an incorrect account reporting on my credit file. XXXX said that the account that is reporting inaccurately was verified from the courthouse. I called the courthouse and they said they do not have any records on file and that they do NOT share anyones personal information to the credit reporting agencies nor do they intervene with the dispute investigation. They also sent me out a letter as verifiable proof. I called back to XXXX on XX/XX/22 to tell them that they are not doing a proper investigation of this account and they said that they are certainly verifying this from the XXXX Court house. I was transferred over to the supervisor who then confirmed that it was verified through LexisNexis. I told them that LexisNexis does not have it on their credit file and I showed verifiable proof from the dispute that I sent out in XXXX that was not properly investigated. The supervisor then said that the letter I sent in from LexisNexis was not something they can except because it came from a third party and that LexisNexis has to send an electronic file in order for them to accept it. I called LexisNexis and they said that they were sending out a dispute to XXXX with my new credit file. They also said that XXXX did not contact them about a dispute or an any account on my credit file. I am so upset with the progress I have received disputing this inaccurate account on my report. XXXX will not give me the right answer as to who they are verifying their information from. They are violating my consumer rights and laws by not telling the truth/false information or showing me physical proof of the verification. This is unfair practice and has become detrimental to my livelihood.
Product: Credit reporting or other personal consumer reports

Checked my XXXX XXXX and noticed UNAUTHORIZED INQUIRIES ON MY REPORT
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion will not send me a weekly credit report. There are many inquiries on both reports negatively impacting my credit score.
Product: Vehicle loan or lease

NAVY FEDERAL CREDIT UNION IN VIOLATION OF PEN. CODE 496 ( a ), Title 42 USC 1986, Title 18 USC 241, Title 18 USC 242, Title 18 USC 1091 : Genocide, UCC 9-317, UCC 9-322 , UCC 9-203 ( b ) ( 3 ), R.I.C.O. ( Racketeer Influenced Corrupt Organizations Act ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, & FRAUDULENT MISREPRESENTATION. NFCU REPORTED A COUNTERFEIT LOAN ON XXXX  THAT WAS NEVER SIGNED BY THE DEBTOR DAMAGING THE CREDIT REPORT. NFCU COLLUDED WITH THE STATE OF CALIFORNIA DMV TO RECEIVE A CALIFORNIA CERTIFICATE OF TITLE UNDER A FALSE PRETENSE AS LIENHOLDER WHEN THEY DIDN'T HAVE A FINAL SIGNATURE ON THE " LOAN '' WHILE A COMMERCIAL LIEN WAS PUT ON THE AUTOMOBILE BY ME 30 DAYS PREVIOUS. NFCU, THROUGH TORTIOUS INTERFERENCE, INTERCEPTED MY AUTOMOBILE FROM A TOWING AGENCY ON A FALSE PRETENSE OF " LIENHOLDER '' AND ILLEGALLY SOLD MY AUTOMOBILE WHILE MY LIEN ON THE AUTOMOBILE IS CURRENTLY FILED AT THE OFFICE OF THE SECRETARY OF STATE OF CALIFORNIA WHILE I AM TYPING THIS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple written letters I sent to the 3 Credit Bureaus, my request for proper verification and deletion of the fraudulent information on my credit reports has been ignored. The last letter I sent to Experian, XXXX, and XXXX Credit Bureaus was dated XX/XX/XXXX and sent a follow up Letter dated XX/XX/XXXX, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following Fraudulent Information listed below are still reporting on my credit report and have caused a large decrease on my credit score. I am hoping that you may be able to help me and have these items deleted as soon as possible. I am submitting this compalaint requesting that the Credit Bureaus correct the following items to protect my rights under the Federal Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX DEPTEDXXXX XXXX XXXX : {$1200.00} DEPTEDXXXX XXXX Balance : {$1200.00} DEPTEDXXXX XXXX Balance : {$1900.00} DEPTEDXXXX XXXX Balance : {$1200.00} DEPTEDXXXX XXXXXXXX Balance : {$1900.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX  XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

When I checked my credit report this morning, I was alarmed to find unauthorized inquiries with no explanation. I check my report regularly, and this time, discrepancies showed up out of nowhere. I even refreshed my browser, but they didnt disappear. This is unacceptable, and Im asking for an urgent review of the documents Ive submitted to finally put this issue behind me.
Product: Mortgage

I applied for a mortgage with Chase. I was asked to pay {$470.00} to lock in a rate on XXXX XXXX. I was told this fee would be refunded if Chase did not approve my mortgage at the rate agreed. Days before closing Chase informed me it would charge points for the agreed term. It was also clear that I was not approved and their ability to close on time was not assured. I went with another lender and asked for my money back and they have refused. 
XXXX XXXX misrepresented the fee and that it was refundable if I was not approved. By charging points and delaying processing, potentially making me miss my closing as I was driving across the XXXX caused great stress and I felt coerced, mislead, lied to and was dealt with fraudulently when they emailed and said I could get the fee back. They have manipulated their interpretation. I am enclosing emails from XXXX and I have kept the original emails
Product: Credit card

I recently review a copy of my credit report and notice | had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit card or prepaid card

On XX/XX/22 Someone applied for a credit card with XXXX XXXX in my name. I called XXXX XXXX and XXXX informed them it was not me. XXXX put a Fraud alert on my account and XXXX XXXX sent me the credit card. I called them back on XX/XX/22 they verified that this card was canceled. 

XX/XX/22 JPMCB Inquiry for a credit card. Again not me. Called Chase and XXXX once again informed them this was not me.
Product: Credit reporting or other personal consumer reports

To whom this may concern, my name is XXXX XXXX and this statement is being written by myself. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN instruction of the consumer to whom it relates. I consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of the listed accounts. 

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

I spoke to the bank, which agreed to remove the hard inquiries, then placed a complaint with the credit agencies who then removed and placed the hard inquiries back on my account all at the same time
Product: Payday loan, title loan, or personal loan

Hello, I recently took a loan with XXXX. They were supposed to send a debit card for their rewards checking feature. This debit card is how I planned to meet the criteria for keeping a lower payment. Problem is, I just made my XXXX  request for a card. Haven't received anything. 

They refused to refund me the extra portion of the payment due to me not being able to use the debit card to maintain the lower rate. I feel this is intentional to trick me into paying a higher rate. My bill went from {$490.00} to over {$550.00}. I can't afford groceries now. 

They said I could have switched my direct deposit and met the criteria or maintained a minimum balance. My only intention was to use the debit card for the XXXX purchases necessary to get the good rate.
Product: Credit card or prepaid card

I've been trying to pay my credit card balance but the company 's website says it's being updated and directs you to a quick pay site. 
That site doesn't work either. 
I've called numerous times to pay by phone, which costs money, but the recording says " due to unseen circumstances, we are closed ''. 
I'm being charged a late fee even though I wanted to pay on time. 
This is unacceptable. 
I want a call back from Comenity.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> an inquiry for XXXX XXXX, XXXX, XXXX XXXX and Citizens hit my credit report. All inquiries were not myself and I called each company to report. XXXX took care of the inquiries and sent me documentation that they would be deleted a d confirmed fraud. XXXX placed a fraud alert. But XXXX is refusing to remove the Citizen inquiry and the directions they gave me for them to remove need to be reported! They told me to file a complaint with the FTC then retrieve the paperwork from them for the dispute and for me to mail that to them with a copy of my social security card and drivers license!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : $ XXXXXXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX XXXX : {$7700.00}
Product: Credit reporting or other personal consumer reports

Experian sent an email on XX/XX/year> stating they will not investigate my disputes claiming I did not mail them. I have mailed in several forms of proof of my identification and ask you enforce experian to process these disputes in a timely manner. These letters were sent by XXXX XXXX XXXX XXXX 

I am writing in response to Experian stall letter /email ( see attachement ) that states these documents/disputes were not sent by XXXX XXXX. These dispute letters are in fact being sent by XXXX XXXX XXXX I have submitted my identity documents again. Failure to investigate these disputes will initiate litigation to proceed. 
I am requesting you proceed to investigate these accounts immediately as required by law. 

Please accept this letter as my formal written request for the following items on my credit report to be investigated.
Product: Mortgage

During our XXXX  XXXX bankruptcy our lender ( XXXX XXXX ) sold our loan to our current mortgage holder Carrington. During that time period Carrington Mortgage  began showing a late payment. We believe this occured as a result of some of our payment history not being sent from XXXX to Carrington. As I recall I requested several times, when the loan was first received by Carrington, for a payment history because I believed that their figures were not accurate and that I was paying the same month twice ( once when I was with XXXX and then again when it was sold to Carrington ). 
We are currently trying to do a refi with our house. The late payment history is not helping. 
Will you kindly look into this matter. Currently I have brought all my payments up to date. 
Thanks,
Product: Money transfer, virtual currency, or money service

XX/XX/2018 XXXX  app has user that scammed me today {$250.00}. She listed an iphone for {$250.00}. From the app She blocks me after she picks up the money from XXXX XXXX XXXX XXXX at indiana. Her real name is XXXX XXXX. This is the money reference number XXXX I sent it through moneygram from CVS on  XXXX XXXX XXXX XXXX Florida. Please investigate her for me. She blocked me from the app when I called moneygram they said she already pick up the money from a local store around XXXX central time. It's too late can't do nothing if they have the XXXX XXXX info they could contact the police in the area regarding the scam today because this person do the same to another person like me
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. BK OF XXXX XXXX**, XXXX XXXX****, XXXX XXXX****, XXXX XXXX XXXX XXXX****, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX****, THE BUREAUS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX**** , XXXX XXXX 438857607027****, XXXX XXXX XXXX****,  XXXX XXXX****, XXXX XXXX XXXX****, XXXX   XXXX  XXXX****, XXXX XXXX****, XXXX XXXX XXXX   XXXX****, XXXX XXXX XXXX****, XXXX XXXX 543362886390****
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I denounce that without legitimate authorization, was consulted by XXXX financing entities for the purchase of a vehicle, I do not know since I have a vehicle of my own without credits, I only approached the car plaza to ask the cost of a vehicle, NEVER AUTHORIZE THEM TO CONSULT FINANCIAL INSTITUTIONS, FOR WHICH I DENOUNCE THIS UNPROFESSIONAL AND daring BEHAVIOR on their part, when I observe it is that I was consulted by these entities : XXXX. XXXXXXXX XXXX  XXXX XXXX 
XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX What has been denounced is that I never gave my approval to the vehicle sales store and neither to financial institutions, for notifications to my email address.
Product: Mortgage

My mortgage, which is currently held by Rocket Mortgage, is currently in forbearance. I am currently working with PA-HAF to get help. 

In the meantime, Rocket Mortgage has restricted our online access to our accounts. We were literally told by the customer service representative that " our account is currently restricted for online access because of the forbearance program we are in, any questions and check ins are to be called in '' I find this ridiculous, and I suspect it may be illegal. I need to get into this account at any given time and do not want to have to call in constantly. 

Is this legal? I find it is making it extremely difficult for clients such as us to work on their mortgage situation if there is no way to be kept in the loop other than calling in.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to remove the Fraud Alerts and Extended Fraud Alerts that appear to be on my credit report. I assume they are on there because after trying to receive my free annual credit report, I get errors.
Product: Mortgage

Hello, I am actually strongly disappointed in my service with Home Point. I have been with them guys for almost 3 years and i have made all my payments on time and for some reason a payment was rejected and was put into 30 days late and it is now on time however that 30 day late will not be removed and it has caused a XXXX point hit to my credit which has affected my eligibility to qualify for a refinance with them here in the future. After speaking to multiple associates and submitting multiple disputes to try and get the 30 day late rescinded since we did submit a payment on time that was rejected i will definitely make sure to never use Home Point again and to make sure none of my friends or family never use Home Point as well because this has been a huge damper on my credit and my financial status. I have a wedding approaching in XX/XX/2021  and this has affected the ability to refinance this mortgage, and purchase a new home both which i wanted to do through Home Point however since this issue has happened I will never make that mistake of choosing Home Point again. This is my last effort to plead to have that 30 day late rescinded since we did make a payment that wouldve been on time but was rejected. 
Thank you,
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute a collection account listed on my credit report. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C 1681i ( a ) ( 1 ), I am entitled to have any inaccuracies corrected promptly. The collection account in question appears on my credit report under the following details : Creditor Name : XXXX XXXX Amount : {$5900.00} I am disputing this collection account for the following reasons : Inaccurate Reporting : The information regarding this collection account is inaccurate. I have never had any dealings with the aforementioned creditor, nor have I incurred any debt with them. Therefore, the listing of this collection account on my credit report is erroneous and damaging to my creditworthiness. 
Lack of Verification : The collection agency has failed to provide sufficient verification of the debt as required by 15 U.S.C 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ). I have not received any communication or documentation from the collection agency validating the debt in question. Failure to Provide Notice : I have not received any written notice from the creditor or collection agency regarding this alleged debt, as mandated by 15 U.S.C 1692g ( a ) of the FDCPA. The absence of such notice violates my rights under federal law.

I hereby request that you conduct a thorough investigation into this matter, as per 15 U.S.C 1681i ( a ) ( 1 ) ( A ), and remove the disputed collection account from my credit report if found to be inaccurate or unverifiable. Please provide me with a written response detailing the results of your investigation, as well as any actions taken to rectify the inaccuracies on my credit report. Additionally, I request that you provide me with a free copy of my updated credit report once the necessary corrections have been made, in accordance with 15 U.S.C 1681i ( a ) ( 2 ) ( A ). Thank you for your prompt attention to this matter. I expect a timely resolution in compliance with federal law.
Product: Debt collection

A man from BG lenders has contacted people oin my family related to a car loan that I 'm working to catch up on. He never leaves a name on a the card but shows up & calls many people in my distant family making threats against, slandering my character, ect. He goes by the name of XXXX ... Plz help
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to dispute the inaccurate information that has been reported on my credit report by various creditors and credit bureaus. I have reviewed my credit report and found that my correct name is XXXX XXXX but it has been reported as XXXX XXXX XXXX. Additionally, there are multiple addresses listed on my credit report that are not accurate. My current address is XXXX XXXX XXXX XXXX, LA XXXX, but I have found that other addresses such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX have been associated with my credit report. 

These errors have caused me significant emotional distress and have adversely affected my life. I have been denied credit and other opportunities due to the inaccurate information on my credit report, which has caused me to feel frustrated and hopeless. 

I believe that the creditors and credit bureaus have violated several laws, including the FCRA and FACTA. Section 607 of the FCRA requires credit bureaus to report only accurate information and section 610 requires that consumers be notified of any adverse actions taken based on information in their credit report. The fact that my name is being reported inaccurately and that I have been denied credit without being notified of the reasons may be violations of these sections.

Similarly, section 312 of FACTA requires consumer reporting agencies to use reasonable procedures to ensure the accuracy of credit report information. The fact that my name and address information is being reported inaccurately may be a violation of this section. Additionally, section 216 requires creditors and debt collectors to properly dispose of sensitive consumer information. If the credit bureaus or the creditors who provided them with my inaccurate information did not properly dispose of my sensitive information, they may have violated this section.

I am requesting that the credit bureaus remove the unverified accounts from my credit report and take the necessary steps to ensure that accurate information is reported moving forward. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX