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

I've been in contact with Checkr several times already to update them with changes to my background report. 

I had a negative item removed or SEALED on my driving record, which is good for XXXX and XXXX and satisifies now all the driving requirements to be a driver in good standing with either company. 

Checkr refuses to update my background history with the latest information. My record was sealed back on XX/XX/2022. This is several months ago. It has since then been updated in the DMV system whereby ... when you do a search on my background report ... no negative information comes up about me now. This is a relief when it comes to being employed. Thank God! 

However, XXXX XXXX XXXX have an old driving record for me which has not been updated. I'm just pulling my hair out day after day, not making any money because they won't update my driving record with the new information. They are basing their decision on old information. Checkr has done nothing about this and likewise XXXX XXXX XXXX. This is a serious problem and a legal one too. 

I haven't done anything so criminal that they can't fix this. What they " sealed '' was a minor infraction and in fact a dropped case. 

Please help me CFPB... Please
Product: Debt collection

I received the attached letter and believe it violates the following -Governed by 15 U.S.C. 1692g ( a ) 15 U.S.C. 1692g ( a ) sets forth the required contents of a typical collection, or dunning, letter : ( a ) Notice of debt ; contents ( 1 ) The amount of the debt ; MCA indicates this is multiple accounts and list only one. 
( 2 ) The name of the creditor to whom the debt is owed ; NOT PROVIDED ( 3 ) A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; NOT PROVIDED ( 5 ) A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. NOT PROVIDEDAnd leads me to believe it also violates the following -15 U.S.C. 1692e : " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. " 15 U.S.C. 1692e ( 2 ) ( A ) : A debt collector may not falsely represent " the character, amount, or legal status of any debt '' 15 U.S.C. 1692e ( 10 ) : A debt collector may not use " any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. " 15 U.S.C. 1692f specifically provides that a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt, including, without limitation, collecting " any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WELLS FARGO DEALER 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 WELLS FARGO DEALER XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Product: Money transfer, virtual currency, or money service

As previously discussed and unaddressed in complaint # XXXX ... I've given feedback that the complaint was unresponsive and closed without meaningful addressing the issue ... 

The problem with the response : ( a ) I have a protected monetary interest in the money I'm owed and the CFPB stands by, impotent, to protect that interest. 

( b ) If I was a business and had a business bank acct, business address ... etc I would not have had the necessity to file a complaint. 

( c ) If PP cooperates with XXXX, a preferred payment option ... and XXXX allows me a limited opportunity to list and sell items as an individual, why must PP demand I set up a business and then CFPB stand by and allow this transgression. 

( d ) Lastly, and as confirmed in the company response ... if I do not conform to a business requirment that I am not ... My monetary interest will be returned and essentially work in concert to steal from me.
Product: Money transfer, virtual currency, or money service

U am filing a complaint with cash app ( Blocke , Inc. ) due to inadequate customer service and unfair service.which violates consumer financial protection act ( cfpa ) Specifically, cash app failed to timely and effective measures to prevent and address fraud on their platform! Leaving my account vulnerable and unprotected.furthermore, their dispute resolution process was unfair and deceptive as they did not comply error resolution requirements under electronic fund transfers act ( EFTA ) and regulations E.These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations!
Product: Checking or savings account

On XX/XX/18 at XXXX, I received a phone call from XXXX, Service Manager at the XXXX, MD, branch location stating that there was a teller error made and that she had questions for me in regards to a {$200.00} cash deposit I made at the same branch on XX/XX/18. She started off very impatient, which put me on the defensive right away, and continued to demand multiple pieces of information regarding my account and my deposit that I, quite frankly, didn't feel obligated or comfortable giving her. I answered her questions, however, with much difficulty because XXXX did not allow me to complete a single sentence before coming to her own defense with why she was demanding information. She did state that one of her tellers made a mistake and put money into my account but didn't know what denomination the mistake was made in. I told her that I was not obligated to answer any of her questions, and that if she continued to interrupt me I would end the call. She then threatened to take my deposit out of my account if I didn't give her the information and documentation she asked for about the transaction. 
SO, where is MY wrongdoing?? I made no wrongdoing, and now am experiencing emotional distress due to an error Wells Fargo Bank made, not me. I immediately contacted the bank with a complaint against the Service Manager, XXXX, and have not heard back. Now I feel like my money isn't safe! I'm not rich, and this bank is blaming their customers for their own mistakes. I can not be held liable for their issues and did not sign any documentation stating otherwise. I feel like suing.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX # XXXX DATE OPENED : XX/XX/XXXX This account has been written off/ charged off therefore i request that it be removed from my credit report immediately, i am no longer responsible for it. It has been written off on XXXX of XXXX in the amount of {$3000.00}. And i also have not received my XXXX letter from this company.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against CashApp ( Block , Inc ) due to inadequate customer service and unfair practices. Which violates the Consumer Financial Protection Act ( CFPA ) specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, theirs dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulatin E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I see that you verified the account listed below : XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, XXXX is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX  | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX | XX/XX/XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit card

On XX/XX/2024, my debit card information was hacked or stolen, but my card was is in my possession, and never left my possession. Someone wiped my account clean. None of the transactions that were made were mine, and the total of {$820.00}. My card is setup to notify me whenever any transaction over {$40.00}, I received no notification at all the whole weekend. So on Monday XX/XX/2024 I tried to pay my car insurance, and my card was denied I looked at my account and it was a - {$67.00} then I called Money network to dispute the charges on XX/XX/2024. I have a debit account its never supposed to be in the negative. Ive been a customer for XXXX years and Ive never had this problem before. I asked them did I need to fill out a police report because this is my first time dealing with something like this they told me no just fill out a dispute form in which I did and today XX/XX/2024 I called them back to get the status of my dispute. They said it was denied because someone used my pin number which is not understandable because no one had my card. I still have access to this card right now. And never ever gave anyone access to my account card or information. The charges 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX amount of {$3.00} ATM Balance Inquiry Fee Can I be contacted by a XXXX regarding this issue. What should my next steps be?
Product: Credit reporting or other personal consumer reports

I took a loan with XXXX XXXX in XXXX to alleviate some of my financial burdens along with potentially purchase a new vehicle, everything with them was great in the beginning and they were helpful a few times throughout my loan process and I am thankful for that. However, I have gotten terminated from multiple employers along with losing my vehicle, my home, close people in my life, being cut off and disowned by people in my life due to personal reason in addition to my financial burdens. I have been on the streets, shelters, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and denied unemployment benefits. I have not been able to get steady employment other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have explained everything to them, but they are empathic to a point. I try to condone myself professionally, however as a consumer I should have a right to speak out about how I feel about things and my feelings. I have worked since I was XXXX, despite the abuse I received from the age of XXXX and has been ongoing. I have going through emotional and financial stress ( as well as duress due to the current and past issues ).
Product: Credit card or prepaid card

Credit karma said I had excellent odds of being approved for a credit card and I was denied. Causing my credit score to lower.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed, with all credit reporting agencies, the information being reported by Monterey Financial Services. The information could not be validated and, as a result, the company issued a letter and removed all information from all credit bureaus. Now, for some reason, XXXX has added a deleted account back to my credit report. I need this account removed and I need it to stay removed. I need XXXX to provide an explanation as to why they put this back on my credit profile.
Product: Credit reporting or other personal consumer reports

Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of Collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company XXXX XXXX XXXX and Trueaccord Corporation. 

as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I went into XXXX XXXX  to apply for an home equity line. The bank rep pulled our credit basically asked us why our credit scores were so low. To my surprise he said I had a XXXX. I had just checked my credit before going to the bank and knew I had a score in the high 600, s. The bank Rep. then questioned us about two late payments on a car loan we had paid off back in XXXX. He said he had to put a reason for the late payments on the loan application. This raised a red flag for me since the late payments were from XXXX, we paid the loan off in full and the account wasn't showing up on my credit report anymore because the account was paid off almost ten years ago. I shared my concerns about the inaccuracies in my credit report and score with the bank and they told me to call Equifax. I reached out to Equifax the following week once I received the Credit Score Disclosure in the mail for the bank. The key factors listed for the low score was number of accounts with delinquency and time since delinquency is too recent or unknown. I called Equifax on XX/XX/XXXX to find out why this was showing on my credit report. The representative at Equifax reviewed my report and assured me that I did not have any delinquencies showing on my credit report. The rep could not explain why my score was XXXX nor why the delinquencies were showing on my credit report. He suggested I find a different lender for my HELOC. On XX/XX/XXXX I paid XXXX to pull all three credit reports and my scores came back as a XXXX with Equifax, XXXX with XXXX and XXXX with XXXX. I then called Equifax back and asked to speak with a supervisor. I explained my concerns about the inaccurate reporting on my credit. She checked my credit file again assured me that I did not have any delinquencies on my credit file. I kept pushing the issue of why there was such a big difference in the score the bank pulled and the score I paid for. I explained that I would end up paying a higher interest rate for my loan based a score of XXXX, instead of XXXX and that I was going to report this issue. She then said that they recently had some IT/coding issues at Equifax that caused inaccurate score reporting. She assured me the issue had been resolved and told me to have the lender pull my score again. I did as she suggested and the score still came back as a XXXX. My score was also negatively affected by the second hard inquiry when the supervisor at Equifax promised it would not be affected negatively because it was the same lender pulling the report.
Product: Credit reporting or other personal consumer reports

I am not in school and this loan is fraudulent. I did not authorize this loan XXXX XXXX XXXX / XXXX XXXX Account Information Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone ( XXXX ) XXXX Monthly Payment {$0.00} Date Opened XX/XX/year> Responsibility Individual Account Account Type Installment Account Loan Type STUDENT LOAN Balance {$3000.00} Date Updated XX/XX/year> Payment Received
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to the online site for obtaining my free annual credit report from all three agencies. I completed the forms completely and accurately. Only XXXX gave me my credit report ( which I printed out for my personal records ). Equifax and XXXX  both refuse to give me my credit report. Both have done this to me in the past. ln the past, I even went so far as to send them copies of my driver 's license, Social Security card and form XXXX. Neither ever sent me my credit report. I know that these credit reporting agencies are required by federal law to provide me with an annual credit report free of charge. This is obviously some kind of scam on their part because one year that they refused to give me my free annual report, they offered to give it to me if I paid them for my credit score. I paid them and then they tried to charge my card every month for the service. I hope you bring these horrible people to heel. Thank you.
Product: Credit reporting or other personal consumer reports

I am submitting this dispute regarding several accounts appearing on my credit report, which I believe have violated my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Specifically, I am disputing the following accounts : XXXX XXXX XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX XXXX ( Account # XXXX ) XXXX  ( Account # XXXX ) XXXX  XXXX ( Account # XXXX ) XXXX  ( Account # XXXX ) XXXX XXXX XXXX XXXX ( Account XXXX XXXX ) Violation of FCRA Privacy Provisions Under 15 U.S.C. 1681 Section 602 ( a ), I have the right to privacy regarding my personal and financial information. Additionally, 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) explicitly states that a consumer reporting agency is prohibited from furnishing information on a consumer without their written instructions. I have not provided written consent or instructions to any of the aforementioned creditors or reporting agencies to access or share my personal information. Therefore, I believe my rights to privacy under the FCRA have been violated. Request for Resolution I am requesting the following : An investigation into the accounts listed above to confirm whether the proper procedures and consents were obtained. Immediate removal of any unauthorized accounts from my credit report. Confirmation that all reporting agencies and creditors involved are compliant with FCRA requirements. I am providing this dispute in good faith and request your assistance in ensuring my rights are protected. If additional documentation is required, please inform me at your earliest convenience. Thank you for your time and attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Reports and needs to delete immediately : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX EXPERIAN, XXXX, AND XXXX in regards to account name XXXX XXXX XXXX XXXX  account # XXXX This creditor as well as the credit bureaus are in repeat violation of the FCRA LAW and my RIGHTS month after month this account shows up on credit reports with numerous errors for the month of XX/XX/2022 they were XXXX errors on my credit report with the above mentioned account those errors are as follow : Account Type, Payment Status, Status Updated, Payment History, Balance, Balance Updated, and Paid Off Percentage each of these sections on the credit reports with XXXX, XXXX, AND EXPERIAN are showing inaccurate and differently. I have attached to this dispute my credit report with the XXXX above mentioned credit bureaus and highlighted the sections clearly showing total inaccurate and inconsistent information due to the repeated errors on the report I XXXX XXXX XXXX would like to exercise my right to have this account XXXX XXXX XXXX account # XXXX to be REMOVED and DELETED from my credit reports with EXPERIAN, XXXX, and XXXX I have not given written consent to have this account on my credit report and would like for it to be DELETED from my credit files and credit reports immediately. 
15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable Information