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

Checkr , Inc. XXXX XXXX XXXX XXXX XXXXXXXX masquerading as a background check company. 

Their entire operation reeks of malice and deceit, leaving XXXX XXXX of XXXX from beginning to end in the process. This complaint isn't about minor missteps ; it's about a company that thrives on XXXX  people over. 

Here 's a glimpse into Checkr 's XXXX  of unethical practices : Ignoring the Law : They disregard and ignore legal written requests for copies of past background checks and consent forms, as if the law doesn't apply to them. 

XXXX MONTHS WAITING FOR THEM TO FINISH MY BACKGROUND CHECK, THEY HAVE CANCELLED IT 4 TIMES IN 6 MONTHS! NOT COUNTING THE TIMES THEY WILL PAUSE IT FOR NO REASON AND YOU STILL WAITING FOR XXXX BECAUSE THEY DONT ANSWER CALLS, EMAILS AND THEIR CANDIDATE XXXX DOES NOT WORK! 

THEY CLEAN THEIR XXXX WITH THE ADVERSE ACTION AND OTHER NOTICES THEY SHOULD PROVIDE, After canceling your report for no reason then go behind your back to feed information to employers like XXXX. It's a XXXX XXXX XXXX XXXX XXXX A cowardly tactic designed sabotage to leave you wondering and hopeless while they profit from it. 

They partner with lawyers who would denied representing you and then cut them a check, greasing palms to ensure you can't fight back in court. It's XXXX XXXX XXXX XXXX XXXX XXXXtion Checkr 's actions are a disgrace to the business world. They operate with the transparency of a brick XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

They're not a company ; they're a menace to our society, preying on the vulnerable and profiting from their misery because each time they cancel a report and the employer requests another one they charge them again and again while the employee on the other hand waits HALF A YEAR SINCE XX/XX/year> for them to complete a XXXX simple report that even a kid can do. 

Talking about kids and family, HOW CAN WE PUT OUR JOBS, INCOME AND INFORMATION IN THE HANDS OF SUCH A PIECE OF XXXX COMPANY with THOUSANDS AND THOUSANDS OF HORRIBLE REVIEWS ALL OVER THE INTERNET AND EMPLOYERS STILL USE THEM IS XXXX UNBELIEVABLE! 

This isn't just a complaint ; it's a XXXX XXXX XXXX XXXXxpose Checkr for the frauXXXX XXXX XXXX XXXXXXXX they are. Shut them down. Prosecute them to the fullest extent of the law. I would educate my self and wont stop until they get what they deserve! Warning to any company that dares to hire such a careless company with XXXX human decency.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the below accounts have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number XXXX XXXX Account Number XXXX
Product: Debt collection

A loan was obtained with XXXX in XXXX, The next year my husband and I divorced. The degree stated we were each responsible for half the loan. I paid my half and it was clear that my ex was not going to pay his half. I continued to pay for as long as I could. In the meantime the loan was sold off to Specialized Loan Servicing. Finally the property was foreclosed on in XXXX. At the time it was discovered that XXXX never recorded it as a second mortgage. The bank took the house and it has been sold off to another party. I notified SLS in XXXX of the foreclosure and that I could not financially take care of the loan. They offered a settlement, which I forwarded to the other party on the loan. It was not settled. I have attempted to contact SLS multiple times and offer to settle this debt. They continue to respond with information on short sale and how to prevent foreclosure. That is long gone. There is no property. I have no assets other than a XXXX XXXX XXXX and a XXXX camper. I am willing to settle this debt with them in the amount of {$3500.00} that was owed at the time I couldn't make the payment anymore. The other party is clearly not going to take responsibility and I want to clear it up. I understand the effect it will have on my credit. The loan is now well over the original amount that was owed with all of their fees and penalties. Again, I have attempted multiple times to contact them and settle this. They have contacted me during the day while I am at work and can not take the call. When I try to call them back I can't get through because they want the mortgage information on a house I haven't owned since XXXX. Can someone please just help me with a debt settlement to take care of this debt. Point me in the right direction to settle this debt. I am willing to settle for an amount less than all these ridiculous fees and penalties. I have paid more than half of the original loan already.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Owen transferred our mortgage loan/modification to PHH Mortgage Serv on XX/XX/XXXX, which changed the principal balance of this account to - {$170.00}, XXXX Duration of Eligibility Deferred Principle Balance XX/XX/XXXX up to XX/XX/XXXX {$270000.00} - No Adjustment XX/XX/XXXX up to XX/XX/XXXX {$180000.00} XX/XX/XXXX up to XX/XX/XXXX {$93000.00} XX/XX/XXXX up to XXXX/XXXX/XXXX {$0.00} We have never missed a monthly mortgage payment. What Owen/PHH Mortgage Service was wrong and unlawful. Our principal balance of this account should be - {$93000.00} - I have contacted PHH Mortgage Services about these unfair practices but their representatives were unhelpful and had no knowledge.
Product: Debt collection

I became dissatisfied with my Gym, XXXX XXXX in XXXX MD, and decided to cancel my membership. Cancellation became an almost impossible task due to a situation at the club in which there was no manager employed there. Finally, I was referred by a club employee with a shrug of the shoulders to ABC financial. ABC financial then proceeded to tell me that only the club manager could cancel the membership. I told them there was no club manager, so what could we do? The representative did not offer a solution. Upon my pressing the issue, the representative promised to stop charging my account in the interim. They did not, however, stop charging my account. They charged a late fee, and starting making incessant robo calls to all the phones they had on my account. I called back and asked about the automated email and call that I received despite my complaint, request to charges stopped, etc. The rep said she did not know anything about the email and call but that it " should n't be happening, my information was noted in the record. '' I have never been connected to the same representative twice in trying to deal with them. They still want to collect a charge for one month fee on behalf of a gym that was itself operating illegally by having no personnel in place for members to cancel. It is maddening.
Product: Credit card or prepaid card

BJ 'S PERKS MASTERCARD BY COMENITY BANK CHARGED ME LATE FEE ON XX/XX/XXXX {$40.00} AND PRIOR TO THAT CHARGED ME {$28.00} DUE TO FACT THAT I RECEIVED BILL LATE AND PAID LATE. I EXPLAINED TO THEM THAT I WAS AFFECTED BY COVID19 AND ALSO NY GOVERNOR ISSUED AN ORDER TELLING BANKS NOT TO CHARGE CUSTOMERS LATE FEES. THIS BANK DO NOT CARE. I WANT MY MONEY REFUNDED. I ALSO WANT THIS BANK SHOULD BE IMPOSED A PUNISHMENT DUE TO GIVING CUSTOMERS HARD TIME IN THIS DIFFICULT TIME. THANKS! 
XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am FILLING THIS COMPLAINT because the following inaccurate imprecise information in my credit report. The items are listed below : TransUnion : XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXXXXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX : XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Debt collection

I have repeatedly provided documentation that the debt in question is NOT mine and this company has repeatedly failed to remove this debt from my credit report. At this point, I have hired a lawyer and in the process of filing a lawsuit for defamation and inaccurate credit reporting. I am REQUESTING that the company CEASE & DESIST all collection efforts, remove the account from my credit report and close it. If this action is not honored, I am moving forward with the lawsuit which according to my lawyer would be a class action one as there are several other consumers that are experiencing the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Recipient : I am writing to ask for assistance in a matter in which Experian ( regarding a collection from XXXX XXXX ) Has refused to properly communicate with me, ignored written request for documentation and in clear violation of the law has reported inaccurate information to my credit file. I have enclosed several copies of letters that I have written to try to resolve this problem. I have also forwarded all the information which I sent you to the credit bureau proving the debt is not mine and asked the credit bureau ( Experian ) and XXXX to Validate the debt by SS #, DOB, and a copy of a written contract or electronic contract bearing my signature and all refuse to do this or provide competent evidence which shows ownership of this acct.

I am Asking that the CFPB intervene as they have made no attempt to provide the documents I have asked for in numerous written attempts. They also failed to provide me with a written Method Of investigation, showing how the company and credit bureau came to its decision. I have placed a formal written complaint with the XXXX, FTC and the CFPB. If the acct. in question is in fact mine the documents, I have asked for should be readily available and the bureau ( Experian ) and XXXX should have no problem producing these documents. They can not provide them because the account in question is not mine, and I did not open the account or sign into any agreement with XXXX for this acct. Please understand I am asking for Validation of the ownership of the account ( proof ) not verification of my name and address which is public information and can easily be found on the internet. The only resolution to this matter is that XXXX XXXX and Experian remove the account from my credit file. No other outcome will be acceptable. I have disputed the account with The bureau and no acceptable outcome has been reached. 
The credit bureau is in clear violation of the law, both the FCRA and The Fair Debt Collection Practices act. I have provided numerous documents which show competent evidence on my behalf, and I am now demanding action be taken to correct this matter as it has now cost me the ability to buy a home using my VA home loan, as I am a XXXX Vet. I ask that a complete and thorough investigation be done in respect to the violations of federal and local law by the credit agencies and XXXX XXXX. 

Sincerely, XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX 
XXXX XXXX, Florida XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took out a loan with Netcredit in XXXX of XXXX, the amount taken out was XXXX, and I was immediately charged fees of XXXX  dollars. Leading me to only have a cash advance of XXXX Month by month i noticed their fees were astronomical and I looked into my states laws to see if this was legal and now I am left to wonder if this loan agreement is legal at all. Accord to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a lender may, if agreed in writing between the lender and borrower, charge an interest rate at a maximum rate of 12 % per year.
Product: Credit card

I requested my account number they said I need to make my account current before they will give it to me. Im trying to go through a debt consolidation agency and they need the full account number but its being held hostage
Product: Credit card or prepaid card

On XX/XX/2020 my brother called and reported his card missing or stolen. He has not received the new card. He was told he would receive the card XX/XX/2020. When he checked his balance today money has been removed from his account. After we reported it missing and ordered a new card. He has now been on hold for over an hour and he can not talk to anyone. His money goes into the bank on the third of every month. Before we talk to anyone they will have taken all his money. He has a direct express card.
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS THAT I HAVE NO AFFILIATION WITH OR KNOWLEDGE OF. I PREVIOUSLY WORKED A SERVICE INDUSTRY EVENT WHERE MY WALLET WAS TAKEN THAT INCLUDED MY DRIVER 'S LICENSE AND SOCIAL SECURITY CARD.

I CONTACTED THE CREDIT REPORTING AGENCY REQUESTING VERIFICATION, ANF THE ACCOUNTS ARE UNVERIFIABLE. THESE ACCOUNTS BEING PLACED ON MY ACCOUNT ARE SEVERELY IMPACTING MY CREDIT I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN CONSENT FOR THESE ACCOUNTS TO BE FURNISHED WHICH IS IN VIOLATION OF 15 USC 1681B FUTHERMORE FURNISHING ACCOUNTS RESULTING IN IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Product: Credit reporting or other personal consumer reports

How are you? I hope all is well. I am writing to you because I recently reviewed my latest credit report and I found a few negative items that I have NOT confirmed or accepted to be accurate. 

Id like to ensure that you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations. I DEMAND, as it is my lawful RIGHT ( s ) to do so, that you DELETE all information that is deficient of any condition, mentioned above. 

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the Metro 2 compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General.
Product: Debt collection

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b 2. company has also NO permission to report ANYTHING using my info pursuant to 15USC 1681 4
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

These end accuracies are stopping me from the ability to buy new appliances for my home or make any major repairs needed. In addition, I was about to get hired for a new job but i was denied because of my credit issue.
Product: Money transfer, virtual currency, or money service

The bank account was a linked bank account that was accessed by a scammer who got all the online banking information. And once they were in the account they authorized a payment through a third party app called XXXX for all the money that was in my account. The bank then locked the account and only deposits were allowed to be made. The bank said once the transactions are done pending that we could despite the claim and get the money back. Well we got the money back but the scammer once again took the money out both of the accounts.
Product: Vehicle loan or lease

I bought a car from drive time and they told me the car was being financed at XXXX and sum and the car actually was XXXX dollars took the car back in 2 business day to get a refund and they being lie about the refund and still have not gotten it
Product: Checking or savings account

I closed my account with chime before hand I was unable to withdraw money from my account I closed the according account almost a month ago the remaining funds were suppose to be sent in check form to the address on file they haven't been sent. I called a few times followed the prompts and eventually spoke to someone still they were unable to find my account so there wasn't a resolution. Money was also taken out of my account without my permission however that's another issue for a later time
Product: Debt collection

My personal info ( bank acct number, social security number address and email acct ) was fradulently used to secure a loan from a company called XXXX in the state of Utah.They used docusign to place my name on loan papers. Now I am being sued for the loan amount of XXXX. Despite my denials and converstion with my lawyer they are continuing with a lawsuit. I contacted the FBI and they asked me to contact the FTC. Please contact me for help. XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX is trying to collect a debt for MaxLend. I disputed the debt with XXXX and asked them to send proof of the loan. They sent me documentation which says I applied for a {$1300.00} emergency loan on XX/XX/2022 with a final maturity date of XX/XX/2022. The APR is 635.74 %. Payments of {$340.00} were to be paid every two weeks. The documents indicate I applied electronically, Esigned, and agreed to electronic communication via text messages. I never applied for a loan with this company and I never received any text messages from this company.The documents have my correct social security number and home address. However, the documents indicate the funds were wired to a bank with a routing number and account number different than mine.
Product: Debt collection

I had an ER visit on XX/XX/XXXX with original creditor of XXXX XXXX XXXX XXXX. The visit was covered under my insurance of XXXX XXXX XXXX XXXX XXXX XXXX  and according to phone call with my health insurance provider on XX/XX/XXXX, they stated and I quote " They are an in network provider and they can not balance bill us for remaining amount of XXXX as the covered amount was paid so you owe this company XXXX '' The XXXX XXXX XXXX XXXX has turned this balance bill over to 3 separate collections companies, first they sent it to XXXX XXXX XXXX ( and this company reported this account as in collections on my credit report, also not good and needs to be removed ), then it went on to XXXX XXXX XXXX , XXXX , and most recently ( XX/XX/XXXX ) they sent it to Debt Recovery Solutions , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , NY XXXX, XXXX.
Product: Credit reporting or other personal consumer reports

In XXXX through XXXX, I contacted Equifax and informed them that a collection account XXXX XXXX was closed due to them not being mine and not been able to provide verification of the debt. I sent them supporting documentation. Equifax reports the debt as closed, keeps on my credit profile and every month reports the debt as being a new debt. In XXXXXXXX XXXX XXXXXXXX reported XXXX reported in XX/XX/XXXX, XX/XX/XXXX reported XXXX reported in XXXX of XXXX, XXXX reported XXXX reported in XXXX of XXXX and keep making my credit score go down each month. In fact this is an old debt that isn't accurate that was reported in XXXX.
Product: Debt collection

I have received several phone calls from XXXX XXXX stating that I owe money to National Collegiate Trust. NCT tried to litigate against me several years ago but, was unsuccessful as they could not verify the debt and the alleged debt was past the statute of limitations. I informed the callers that the debt was past the XXXX and to never contact me again and they still call me very often.