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

I am filing this complaint against Checkr , Inc. for inaccurately reporting information on my background check, which has resulted in repeated job application denials. 
In XX/XX/year>, I was arrested for a DWI in XXXX XXXX, MO. However, my case was finalized as a Suspended Imposition of Sentence ( SIS ), NOT a conviction under Missouri law. I successfully completed all court-ordered requirements, including probation and mandatory courses. Under Missouri law, an SIS is not considered a conviction and should not appear on my background check as one.

Despite this, Checkr has incorrectly reported my case as a DWI conviction to potential employers, including XXXX, and XXXX  towing and roadside recovery causing them to deny my applications. I have provided Checkr with official court documents and a case disposition statement verifying that my case was resolved as an XXXX. However, they continue to report misleading and inaccurate information.

I have filed multiple disputes with Checkr, providing legal documentation proving that my case was resolved as an SIS and not a conviction. I contacted my attorney, who confirmed that my case should not be classified as a conviction. Checkr continues to reject my dispute and refuses to update my background report. I have lost multiple job opportunities due to this incorrect reporting.

Checkr is violating the Fair Credit Reporting Act ( FCRA ) by failing to ensure the accuracy of my background report and by refusing to correct their errors even after receiving sufficient documentation.

I would like to request that Checkr immediately update my background check report to reflect the correct status of my case ( XXXX, NOT a conviction ), and Checkr notify any employer that has received my incorrect background check that an error was made and provide the corrected report, as well as CFPB investigate Checkrs practices to prevent similar inaccuracies from affecting other job applicants. 
This misinformation has caused me financial hardship, job loss, and unnecessary stress. I appreciate your help in resolving this matter as quickly as possible.
Product: Debt collection

Good Afternoon ; I was actually shocked over the weekend to find a new medical collection from R.S. CLARK AND ASSOC ( Original Creditor Name XXXX XXXX XXXX XXXX ). I immediately contacted the company directly and spoke with your representative there and i gave her my full name, ssn, DOB ; and address - she said that she can not locate any file under my name. The strange part is that this account was reported on my credit over the weekend but it says that it was opened on 2019, and the comment stated that the consumer dispute, and it's under re-investigation. How is that even possible? I never called until today. Just the fact that this is on my credit is in violation of both state and federal consumer laws under the provisions of HIPPA, FCRA, FDCPA, etc and much more.
Product: Credit card

In XXXX, I was overcharged twice in the same month, a week apart. This overdrew my bank account, Discover then flagged my credit, this " mistake '' has cost me my positive credit report, to rent an apartment, XXXX separate times.Its still on my credit report despite asking them to fix their " mistake ''. Its shows, its been " charged off '', since XXXX of XXXX, however, thats due to calling and asking to have it removed. The official closed in XXXX of XXXX. As of this moment, Discover, has owed me XXXX cents, since XX/XX/XXXX! This is completely unprofessional, someone needs to be held accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : 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. The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. Did not consent to unauthorized inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/XXXX XXXX XXXX
Product: Debt collection

Since XX/XX/2017, I have disputed the debt as not being mine. I have no knowledge of this debt. Since then i have requested a validation ( at least 4 occasions ) which has been ignored by both the credit reporting agency ( XXXX ) and the debt collector.

I need to see any documents in its original form bearing my signature.

I advised during my correspondence that this is not a refusal to pay. As per Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } the claim is disputed and validation is requested.

I also mentioned in my correspondence this is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that the offices provide me with competent evidence that I have any legal obligation to pay. 

Someone claiming I owe with an account statement does not suffice that it belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled 4 disputes with Experian to dispute the XXXX XXXX XXXX Collection agency for the past 2 years. 
I provide Copay receipts and the XXXX XXXX statement that shows I have a {$0.00} balance. Claim XXXX Date of Service XX/XX/XXXX was paid on XX/XX/XXXX Sent Electronically XXXX XXXX to Provider : XXXX, XXXX XXXX for {$2000.00}. Please see the XXXX XXXX attachment. 

Experian has responded with the same response " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I filled 2 disputes with XXXX about XXXX XXXX XXXX and received the same results as Experian. 

Listed below are the disputes. 

Experian Date Submitted : XXXXXXXX XXXX, XXXX Report Number : XXXX Date Submitted : XX/XX/XXXX Report Number : XXXX Date Submitted : XX/XX/XXXX Report Number : XXXX Date Submitted : XX/XX/XXXX Report Number : XXXX XXXX  Confirmation number : XXXX Submitted XX/XX/XXXX Confirmation number : XXXX Submitted XX/XX/XXXX Both XXXX and Experian have the same account number as listed below. 

Account Number : XXXX Original creditor : XXXX XXXX XXXX {$300.00} Company : XXXX XXXXXXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MN XXXX
Product: Mortgage

XXXX XXXX XXXX XXXX XXXX XXXX, Ca XXXX XXXXXXXXXXXX XX/XX/2016 To : CFPB and California DBO re Carrington foreclosure on APN # XXXX / loan # XXXX Dear CFPB and California DBO, I have sent this exact same information to Carrington. 
Carrington Financial Services is sending Notice of Trustee 's Sale and Notice of Sale Summary of Key Information that states the above documents " has been sent to XXXX XXXX XXXX and XXXX XXXX XXXX, husband and wife, as joint tenants, in relation to XXXX XXXX XXXX, XXXX, Ca XXXX '' The notice of sale has never been sent to XXXX XXXX as he no longer is on the deed and he no longer lives in the area. 
The XXXX problems with the Notice of Sale are listed below in bold type. 
Carrington has not responded to this missive which was emailed to them via a HUD counselor on -XXXX XXXX XXXX does not live at the above address -XXXX XXXX is no longer a joint tenant -XXXX XXXX and XXXX XXXX XXXX are not husband and wife. 
-Carrington can not state that XXXX XXXX XXXX has received the above information as he does not receive mail at either XXXX , Ca XXXX nor does he receive mail at XXXX XXXX XXXX, XXXX , Ca. 
Thank you for your attention to this matter. 
XXXX XXXX Cc : XXXX XXXX XXXX, HUD housing counselor
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has wrong address never had a XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

Chase closes my college account, which Ive been using for 10 years, for no reason. Im working in an investment bank and having a healthy financial life. This account is the only checking account I have. I did not do anything suspicious. If closed, it will bring a lot trouble to my life. I have to complain Chase on closing my account suddenly.
Product: Debt collection

I am a victim of Identity Theft and my plead for help has been ignored by Discover. There is a fraudulent account by Discover on my credit report that is NOT MINE. I MAILED my official Identity Theft letter, proof of ID, and supporting Police Report from the XXXX to Discover on XX/XX/22 via XXXX XXXX Mail, they have not responded or confirmed my communication and continue to report this fraudulent information to XXXX, XXXX XXXX XXXX. This is currently causing me and my family financial damage, hardship and defamation of character.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any Items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXXXXXX  Balance Owed : {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed the following accounts but all three credit reporting agencies closed the investigation and said the following info was accurate when in fact it was identity theft. I attached the companies response below.
Product: Debt collection

I 've contacted Diversified Consultants advise them the debt not mines disputed with equifax sent in a validation letter also sent one to the company via certified mail ... the debt was removed in XXXX on XXXX ... then recently the report to my experian report on XXXX XXXX i contact the collection agency and ask why was this remove then report to XXXX the collection agency advise me that XXXX are the one who report to XXXX XXXX.. At this point I was willing to pay a settlement offered XXXX for the bal under the condition that i received a email stating that it will be removed once the payment post ... the rep adv me she would have to see is that something that she can do she place me on hold ... .a  supervisor returned to the phone inform a settlement only 30 % off the balance and he not willing to negotiated this and to keep disputing it if i like ...
Product: Credit card or prepaid card

I opened a Chase Sapphire Preferred card with Chase Bank. After 10 days of opening the account and 1 day after receiving my card, they told me there was a mistake by opening my account since there was a consumer alert on my XXXX account. I'm in the process of updating my information so all of my identification is correctly statement on my credit reports.
Product: Payday loan, title loan, or personal loan

I called Opp Finance  on XX/XX/XXXX to move the bill due date of XX/XX/XXXX out a few days due to a financial emergency. The agent told me she could not do that. The very next day, XX/XX/XXXX, she removed the funds from my account making them unavailable to me for my emergency on the XXXX so that my account would be paid on the XXXX. In other words, she intentionally captured my funds early on the XXXX so that I could not use my funds to take care of the emergency that I had. This early action had never been done before prior to our conversation and need to move the due date out. 

I sent numerous emails regarding this situation and they all were ignored as if this early debit transaction never existed. They asked for proof of the transaction, and, I went to the bank to get it and sent it to them. They then asked for it to be on the bank 's letterhead as if I had manufactured the document. 

My contract states clearly that the debit would occur on the XXXX of each month. Not before that date.
Product: Credit card or prepaid card

Hi SYNCB/NETWRK ; How are you doing during this pandemic? Hoping that youre safe and sound. Listen, I was shocked when I reviewed my credit report today and found late payment on XX/XX/2021 for 30 days - How? 


I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit card

Fifth Third Bank is the initial relationship which uses a Jointly connected Company [ XXXX XXXX XXXX ] to make Fifth Third 's decisions on applications for Credit Access. 

I worked with a XXXX by the. name of XXXX XXXX. XXXX was as kind and thorough as one would expect from a XXXX. Kudos for XXXX. XXXX did everything her could from the XXXX XXXX. By the way, the XXXX XXXX XXXX have XXXX XXXX in the Bank 's system. All they can do is bring in new consumers and sign them up for every entry level product that the retail branch offers. No decision making for qualified or unqualified consumer 's files. ALL decisions are sent to Fundation [ a Third Party Outfit ] who has the last say-so within their Credit Access Structure. This experience with providing this XXXX every single piece of documentation requested was nothing short of a Nightmare!! After XXXX weeks of back and forth with their XXXX stating that they had not received, then XXXX saying we both has sent the documents. All documents requested were absolutely delivered but the Portal works when it wishes. [ I personally did upload successfully to the portal each document ]. On or about XX/XX/XXXX then on XX/XX/XXXX of 2024 both Fifth Third Bank & XXXX came back with a Declined Application for My Access to Credit. Here 's the Reason on the Letter of Denial : " Borrower Risk Outside of Tolerance ''. 

There are so many words once can't relay here about how these Institutions are supposed to be in positions to assist consumers who have outstanding credit profiles and above board credit history. The fact that they are supposed to allow access to credit for those of us who have given them XXXX plus weeks of our time and energy to get nothing in return isn't fair nor is it practical. 

I think Fifth Third was a better bank prior to engaging with XXXX XXXX XXXX. They had more backbone then. I have two colleagues that recommended that I give them a try. Sadly No. Not a good recommendation, with the exception XXXX XXXX XXXX.
Product: Debt collection

I had an account with XXXX TDRCS. I paid the account off early and IN FULL last summer. A few months I receive notification that I supposedly owed {$5.00} in interest and they charged me a {$75.00} late fee. I called to dispute and they refused to take a dispute on the phone. They said I had to dispute via their website, which I did. I received no response and they charges another {$75.00} late fee and reported my account late. I called again and they transferred me to multiple dwlepts for hours and then refused to take the dispute over the phone. I finally just paid the amount due to get them to stop. They then charged me another interest charge and {$75.00} late and reported me late again on my credit report. They then sold my invalid debt to a XXXX party on XX/XX/year> and reported. Again. On XX/XX/year> they reported derogatory AGAIN on an invalid debt that they supposedly sold. This is nothing but predatory pending and unfair debt practices!
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issue regarding late open accounts account on my credit report and express my frustration with the several unsuccessful attempts to have it corrected. Despite previous efforts on my part, the inaccuracies persist, causing significant distress and damage to my financial standing. 

Since discovering the late open account account on my credit report, I have diligently followed the prescribed procedures outlined by your agency to rectify these issues. I have submitted formal disputes, provided supporting documentation, and cooperated fully with your investigation process. However, despite my persistent efforts, the inaccuracies remain unresolved.

I demand immediate and effective action to thoroughly investigate and rectify these situations by expediting the correction of the late open account account from my credit report. Additionally, I request transparent communication and regular updates regarding the steps being taken to address this matter. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX Balance : {$32000.00}.
Product: Credit reporting

These accounts below are over/pass the statute of limitations and shows up as late payments on all three credit reporting agencies ; for more than seven years and have no further rights or remedies with respect to these claims. Please, expedite the removal of XXXX XXXX and XXXX XXXX from my credit report. 
They sent them to XXXX different collection agencies thought out the years and then took them back based on info found and the statements from the agencies. I have a total XXXX and these accounts were sent to a XXXX agency/company which sense it to the all XXXX credit reporting agencies as a discharge/charge-off accounts. Thank you for your time and consideration.
Product: Checking or savings account

About three weeks ago, I was involved in a job scam while looking for a summer internship. During this scam, I separately transferred {$3300.00} to the scammers through XXXX since the scammers told me I needed to purchase the training materials for that internship. For this issue, I filed complaints on CFPB two weeks ago, and Wells Fargo, the brand of banks I hold with, would like to assist me as well, so this issue was done. However, I found there was still an issue I needed to solve right now. As the scammers promised, they would reimburse the fee by sending me a picture of a check through email. That check was {$1900.00}. I scanned that check on my mobile bank APP on XX/XX/XXXX, and Wells Fargo recognized the check was fictitious, and they could not process it. Because of this issue, they had to close my bank account. I thought Wells Fargo just wanted to prevent me from further fund losses, so I applied to open another account at Wells Fargo since a banker said I was good to open another account. I opened a new bank account at a branch on XX/XX/XXXX, but I received a disclosure letter from Wells Fargo for this new account yesterday, and the reason was " the closure by Wells Fargo or its affiliates of a previous account [ I ] owned ''. I phone-called Fraud Prevention Contact Center at Wells Fargo XXXX and the representative said that Wells Fargo could not trust me anymore just because I scanned a fictitious check, so he asked me to open a bank account at another bank 's brand. 

Although scanning and depositing a fictitious check is my fault, I am a victim of this job scam, and I just want to follow the instruction in order to have this internship since I had not doubted those people were scammers at that point. After online researching, I found I may be on XXXX. I could not accept this result, and I expect Wells Fargo to help me out of this issue because I am also a victim, so I can have a standard bank account as I used to, and I do not want this issue to negatively affect me in the future.
Product: Money transfer, virtual currency, or money service

I got email that this account that this account was engaged in activity to deceive PayPal and its customers. 

PayPal said After a review, we decided to permanently limit your account as we detected that this account that this account was engaged in activity to deceive PayPal and its customers. 

but I haven't done any thing and my money is stuck in PayPal. 
please restore my account
Product: Debt collection

I was covered for mental health emergency 's & visits through the government agency called " XXXX ''. XXXX XXXX XXXX at the time of services XX/XX/XXXX for {$940.00} & XX/XX/XXXX for {$1400.00}, didn't know about this coverage. Nor did they look into finding out. Then, when I received the bill, I called to dispute for this reason. Nobody would help. And they did not log my account, that I called. Then I was sent to a collection agency for these 2 bills. Then called the collection agency to dispute, and they said I would have to do so through XXXX XXXX XXXX. We finally gave up, because nobody would help us. Now we are trying to repair our credit report, and they are still refusing to help us and say that it is too late. Please help. I was covered, therefore I should not have been billed for these visits.
Product: Credit reporting or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY COMPENSATION UNDER FCRA 15 U.S CODE 1681o Civil liability for willful noncompliance and 15 U.S Code 1681o Civil liability for negligent noncompliance and 15 U.S. Code 1692k civil liability. 

PLEASE ACCEPT THIS FINAL WRITTEN OFFER OF SETTLEMENT BEFORE LITIGATION. 

Account : XXXX and Experian XXXX XXXX XXXX ( Opened XX/XX/XXXX ) Balance XXXX XXXXThis account is FRAUD! 

Hard Inquiries on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX reporting agency in XXXX about item # XXXX US bankruptcy that is reporting on credit report .So I contacted the bankruptcy court in XXXX and they sent a letter saying that donot report to the credit agencies.so I sent them a letter with the inclosed statement with the court responses and on XX/XX/XXXX I received a letter from Transunion saying they verified the item with us bankruptcy court in XXXX as accurate.which I know as to be false .This item is a clear reporter error.