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

Checkr has completely blacklisted me in the gig economy. I tried to dispute an XXXX background report because they are reporting a deferred adjudication as a conviction. As a result of that request- despite the fact they claim to be investigated the matter and are upholding the report- they have now held up my report at all companies that use checker including XXXX, XXXX, XXXX, XXXX, and several others. They have effectively made it impossible for me to get work anywhere. This includes companies where they're not even reporting the deferred adjudication like XXXX and would return a norma, clear background report. 

As a result of checkers refusal to release my background reports I have not been able to find work anywhere and I'm going to be financially ruined. This one single company holds the power to be able to cause somebody to not get work anywhere in the XXXX economy. 

I have attempted to contact them multiple times they do not answer emails, and they do not have a way to call them by voice to reach a human being. 
You simply have to wait until they are ready or decide to reply. I guess there's nothing to be done until they decide to if they wish to release my records or comply with the law. I guess it's entirely up to them. However I do feel that people should know that this company is doing this to people, and they do not care. They're doing this to people who have no criminal convictions. They are doing this to people with clean motor vehicle records and who are actually qualified to work but can not since checkr refuses to let them. I'm sure this complaint will cause them to retaliate and delay my reports even longer, However I feel that people must know.
Product: Money transfers

I tried to submit a payment via PayPal and I entered the email address incorrectly. When I contacted PayPal to attempt to correct the issue, they closed my claim saying that a money transfer between friends was not covered by their conditions. I understand that it is my fault for entering the wrong email address to send the money to but the company should be more helpful in rectifying the situation.
Product: Credit reporting, credit repair services, 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. 

Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 a 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.
Product: Debt collection

Debt Collectors trying to get me to pay a debt that I do not owe them. according to FCRA. I needed to be contacted before any negative items are placed on a credit file. 
Did not send me the items I requested to prove I owed this debt collector any funds. This company violated state and federal collection laws. 

: Letter attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experience is in violation for reporting, misleading, inaccurate, unverifiable information my current credit report. A violation of FCRA rules section 1681. 

Please see attachment ; Account : XXXX XXXX  ; investigation can not verify account, a violation of FCRA 1681
Product: Debt collection

The joint medical account was paid in full on XXXX/XXXX/16. National Business Factors is holding the account hostage for interest that was not agreed to by me or my wife and that was added after we paid the balance. Account was suppose to be removed after payment. They 're continuing to ignore our requests and screening our calls. We cited XXXX which states that both parties have to agree to the interest- if allowed, when they finally got back to us they cited XXXX XXXX for their reasoning. Our understanding of XXXX XXXX is for investment accounts, not debt accounts.
Product: Student loan

In a 120 payment option have sent in all information needed annually. I have made 54 payments since 2017 and that are only honoring 34. I have made payments all thru the pandemic even when not needed to. I just want to be able to have all my payments applied to my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity may have been used by someone else to open fraudulent accounts. This has resulted in the following ; 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 I am seeking to have the potential FRAUDULENT information removed from my credit reports. attached below was sent to the credit bureaus months ago, documentation supporting my claims. The credit bureaus are still reporting the potential FRAUDULENT items.
Product: Student loan

Under 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ). This item was deleted, and you reinserted them without notifying me 5 days after this account is in violation. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. They have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 719 I may presume that no proof of the alleged debt nor therefore any such debt in fact exists. Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts. I demand removal.
Product: Credit reporting or other personal consumer reports

XXXX  - XXXX Collection {$290.00} I am filing this complaint because I have noticed a collection account on my credit reports that I do not recognize or have any knowledge of. The account is inaccurately listed under my name, and despite my repeated attempts to resolve this issue directly with the credit bureaus, no meaningful action has been taken. 
I have submitted multiple disputes with supporting documentation, requesting the verification and removal of this erroneous account, but the credit bureaus continue to report them as valid without providing any substantial proof. This has caused significant harm to my credit score and overall financial well-being, and the lack of assistance from the credit bureaus is both frustrating and unjust.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I discovered that XXXXXXXX XXXX had reported a late payment to the credit bureaus. On XX/XX/XXXX I contacted them with my Authorized user ( XXXX XXXX ) on the line. We spoke to a supervisor name ( XXXX employee id XXXX ). She advised us that she did see that my account was set up on automatic debit and that she would remove the late reporting from the credit bureaus. My authorized user asked that she note the account of this for future references and she agreed. On XX/XX/XXXX Myself and my authorized user called again t o ensure that the account had been corrected and the supervisor ( XXXX ) advised that she saw the notes on the account and everything was corrected. On XX/XX/XXXX the late payments were added back to the account and now XXXX is refusing to remove them. This is adversely affecting my credit through no wrongdoing on my part.
Product: Prepaid card

I am unable to access my rushcard.com account via web, app, atm. I have direct deposit and not able to view any balances. They have given bogus postings on their facebook page as this is the only way to get to anyone. Customer service hangs up on you. I am now not able to move and have lost my deposit due to inability to provide the remaining rent due. I want my funds and compensation.
Product: Credit reporting or other personal consumer reports

These recent late payments don't align with my usual payment history.
Product: Debt collection

This complanit is about how upset and concerned I feel about not receiving anu response from USAA Savings Bank. Back on XXXX, I sent them a dispute letter with all the proper documentation. I havent received any response or acknowledgment of my dispute. 

The involved accounts are : 1 ) account # XXXX, opened date XX/XX/XXXX original balance {$9300.00}. 2 ) account # XXXX, opened date XX/XX/XXXX, credit limit {$11000.00}. 

USAA is being negligent, unfair, and has committed some other violations to the FCRA, such as inconsistent credit reporting across bureaus, and reporting inomplete information. They have also failed to do the propeer investigation on this case, which looks like is not even a case for them. 

I am demanding the removal of the mentioned accounts. 

Thank you very much, CFPB.
Product: Debt collection

Calls from Arstrat, robot saying it was XXXX and plea to call back. 

Incredibly offensive, I am considering visiting their XXXX to get XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX SSN : XXXX DOB : XX/XX/XXXX I am writing to formally dispute and request enforcement of my legal rights regarding certain accounts on my credit report. The inaccuracies and unverified information on my credit report have had a profound and distressing impact on my life. I am seeking your assistance in rectifying this situation and ensuring that my credit report accurately reflects my financial history. 

I am deeply concerned about the violations of the Fair Credit Reporting Act ( FCRA ) that have occurred as a result of these inaccuracies. Specifically, the following accounts have been reported inaccurately : XXXX : Account number : XXXX XXXX  : Account number : XXXX XXXX XXXX : Account number : XXXX XXXX XXXX XXXX : Account number : XXXX XXXX : Account number : XXXX XXXXXXXX XXXX  | XX/XX/XXXX : Account XXXX : XXXX XXXX : Account number : XXXX XXXX  : Account number : XXXX XXXX XXXX XXXX : Account number : XXXXXXXX XXXX XXXX | XX/XX/XXXX : Account number : N/A XXXX : Account number : XXXX XXXX XXXX  | XX/XX/XXXX : Account number : XXXX XXXX XXXXXXXX : Account number : XXXX XXXX  XXXX : Account number : XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX XXXX : Account number : XXXX XXXX : Account number : XXXX XXXX : Account number : XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX XXXX XXXX XXXX : Account number : XXXXXXXX XXXX  : Account number : XXXX XXXX XXXX XXXX | XX/XX/XXXX : Account number : XXXX  The inaccuracies in these accounts have led to significant distress and frustration in my life. For example, [ share your personal story here about how the inaccurate credit reporting affected your ability to secure a loan, rent an apartment, or pursue a major life goal ]. These difficulties have taken an emotional toll on me, impacting my mental well-being and causing undue stress during already challenging times. 

Given the apparent violations of FCRA, I humbly request your intervention to enforce my legal rights. I kindly ask that the Consumer Financial Protection Bureau work to ensure that these unverified and inaccurate accounts are promptly removed from my credit report. This will not only alleviate my emotional distress but also restore my ability to pursue my life goals without the unjust burden of inaccurate credit reporting. 

I have taken all necessary steps to address these issues directly with the credit reporting agencies and the respective creditors involved, but I have not yet achieved a satisfactory resolution. Therefore, I am turning to the Consumer Financial Protection Bureau for assistance in resolving this matter. 

Thank you for your attention to this important matter. I appreciate your commitment to ensuring fair and accurate credit reporting, and I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. XXXX XXXX XXXX Despite using zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. XXXX  XXXX XXXX  They informed me that recovering lost funds impossible and that tracking these transactions was infeasible. XXXX XXXX XXXX The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. XXXX XXXX XXXX This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete Accounts information with missed payments on XX/XX/2014.  Data in the system are not valid, then I had Tax id number only, now I have SS number My social seciurity number XXXX. 

old information destroys my credit score, please delete this information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act First Tech account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed this charge off on my credit report through all the credit bureaus and it has remained on my credit report but they haven't verified the debt. XXXX XXXX XXXX  Charged off : XX/XX/2023 Balance : {$5900.00}
Product: Mortgage

Schools First directed me to the XXXX XXXX XXXX XXXX. That California state program awarded me {$70000.00} to catch up completely on my mortgage due to covid income reduction. Schools First will not accept the money from the state of California to the point that the State agency has asked me twice to contact Schools First and tell them to accept the money. I have contacted Schools First and they refuse to accept the money to bring my mortgage current. I have been in foreclosure since XX/XX/2022 and have worked extensively with Schools First Loss Mitigation ( called XXXX ) ; they have " lost '' my application more than 10 times, scheduled 4 or 5 short sale foreclosure sale dates, refused to keep me updated, started me over in their process more than 10 times, and added on one ridiculous demand after another ( oh we lost your current bank statement we need 3 months more ), over and over again. All I want is for Schools First to accept the {$70000.00} grant awarded me from the XXXX XXXX XXXXXXXX XXXX and bring my account current.
Product: Credit reporting or other personal consumer reports

Experian is still reporting incorrect information. Ive called and submitted several disputes to have this inaccurate and incorrect information removed. Experian has not removed the information. 
1. An incorrect address XXXX XXXX XXXX XXXX XXXX Pa XXXX I have never lived there XXXX. XXXX XXXX XXXX XXXX credit card opened on XXXX. A charge off for {$20000.00} that I know nothing about XXXX. XXXX  account # XXXX opened in XXXX for {$29000.00} that I know nothing about XXXX. They are reporting an incorrect name XXXX XXXX XXXX. My name on my credit reports is XXXX XXXX XXXX
Product: Credit card

Dear Citibank N.A., I was truly surprised and concerned when I recently reviewed my credit report and discovered a XXXX late payment reported for XX/XX/year> on my Macys Citibank N.A . account ending in XXXX. I have always been diligent about making my payments as soon as I receive my statements, so this reporting came as an unexpected shock. 

Upon further communication with Macys, it was brought to my attention that during the XXXX period, an incorrect or outdated address was on file. This may explain why I did not receive the billing statement for that month. As a result, I was unaware that a payment was due, which unfortunately led to an unintentional oversight. 

To the best of my knowledge, I believed my payment was made on time, and I would never intentionally allow my account to become delinquent. I respectfully ask that you take these circumstances into consideration and review the possibility of removing this late payment from my credit report as a one-time courtesy. 

Thank you for your time and understanding.
Product: Money transfers

I submited a fund transfer from my Discover online checking account to my XXXX bank. The confirmation stated that " Deliver By : XXXX/XXXX/2016 ''. However, the fund became available on XXXX/XXXX/2016. I have check which is returned due to insufficient fund on XXXX/XXXX/2016 in XXXX. If the fund was available on XXXX/XXXX/2016, the check will not be returned. The " Deliver By : XXXX/XXXX/2016 '' is misleading. Also, even if it means the sent date, I believe the fund will deliver to XXXX the next day according to XXXX. So XXXX can credit to my account on XXXX or XXXX.
Product: Student loan

Hi there! I recently returned to school for a XXXX XXXX degree - study began in XXXX of XXXX and concluded in XXXX of XXXX. In the summer of XXXX, I spoke to Navient customer service professionals and set up an Educational Deferment. Those Navient representatives made it clear that no additional interest would accrue on my loans while I was back at school, that my automatic payments would be cancelled, and that no payment would be needed from me until the fall of XXXX. Today, when I logged in to make a payment to Navient, I saw that the information they gave me in XXXX was incorrect. While no interest accrued on my subsidized loan, my smaller, unsubsidized loan did accrue approximately {$250.00} of interest over the two year period. Had my automatic payments not been cancelled, but rather applied only to my unsubsidized loan ; had Navient given me correct information in XXXX ; or if they had continued to send me emails about monthly charges, then it would have been easy to continue payments towards the unsubsidized loans, or to pay them off in full. When I spoke to a supervisor at Navient today, she apologized for the bad information I had been given two years prior, but since I had been sent a letter with accurate information months after having spoken with their representative, said there was nothing she could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, There have been 5 attempts to gain credit using my information. None of the requests below were made by me or in my home state where I have been quaranting since mid XXXX. Below is pulled from my credit report. 

Inquiry details XX/XX/XXXX Inquiry fromXX/XX/XXXX Utilities & Fuel Institution Information XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX/XXXX  Inquiry from XX/XX/XXXXXXXX XXXX XXXX Institution Information XXXX/XXXX  XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Utilities & Fuel Institution Information XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX  Inquiry from XX/XX/XXXX Utilities & Fuel Institution Information XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX Inquiry from XX/XX/XXXXMisc.

Institution Information XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have an open complaint about American Express, XXXX I called XX/XX/XXXX XXXX ET asking to speak to the supervisor who left me a voicemail 2 weeks ago. I called last week and still have not received a call back. 
They once again told me someone would call me within 3 days. I asked for the department and contact for service of process as requested by my lawyer. Amex refused to give me this information. This is highly inappropriate to withhold this information and likely illegal
Product: Credit reporting or other personal consumer reports

My account with WXXXX XXXX DEPTEDXXXX XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX  DEPTEDXXXX XXXX XXXX  never XXXXent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : XXXX XXXX Account # : XXXX Dear Experian, In accordance with the Fair Credit Reporting Act XXXX XXXX Account # : XXXX, has violated my rights Account name : XXXX  Account # : XXXX 15 USC 1681 Section 602 States I have a right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year>, I filed a complaint # XXXX against Affirm for unauthorized purchases. Affirm refused to accept my fraudulent purchases claim. After further review by the CFPB and Affirm, my claim against Affirm was upheld. The case was closed in my favor. I have since still received emails saying I can get my new statements if I sign in to my account. I called the company so I could close my account and stop receiving harassing emails. The company responded by saying I could not close my account and I would still receive emails.
Product: Credit reporting or other personal consumer reports

Fraudulent Inquiries are on my credit report 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 XXXXXX/XX/XXXX