23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Sunlight Financial XXXX  are taken out under false pretenses with high pressure predatory sales. Sunlight financial charges a 29 % dealers fee/ origination fee and will raise price of monthly payments after 19 months unless we pay a hefty payment out of pocket. We were told by XXXX XXXX that we would receive a rebate check from them to cover this but never received it. Sunlight financial also assured us that XXXX  would send this rebate check so we wouldn't have to worry about our payment going up however pink energy soon closed its doors. The price we were pitched does not show the breakdown of what the money is going towards so we had no idea a good majority of the loan was for the dealers fee. Essentially what they are doing is taking advantage of the 26 % federal income tax credit in order to capitalize off of the tax savings that homeowners get to claim. We were originally told that the loan would only be {$40000.00} then when we got the paperwork back the loan amount was {$82000.00}. When we told them that it was way more than we could afford and told them we did not want to move forward we were threatened with a bill of {$5000.00} that needed to be paid in full for their " time processing the loan ''. When we told them that we are unable to pay {$5000.00} they said our only option was to move forward with the loan. After doing more research we found that this same tactic was used with a large majority of their customers and many were forced to take on a large loan that they could not afford. They have also partnered with XXXX XXXX XXXX XXXX for years and knew that they were selling customers faulty systems.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : XXXX, Experian, XXXX, CFPB, and XXXX  Subject : Formal Dispute of Inaccurate Reporting XXXX XXXX XXXX XXXX To : Whom It May Concern, This letter serves as my third dispute regarding inaccurate credit reporting by XXXX XXXX XXXX XXXX ( XXXX  ). 
Despite my two previous disputes to XXXX, I have yet to receive a satisfactory resolution. I am escalating this matter to the Consumer Financial Protection Bureau ( CFPB ), XXXX XXXX XXXX ( XXXX  ), and the credit reporting agencies ( XXXX, Experian, and XXXX ) for further review and corrective action under the Fair Credit Reporting Act ( FCRA ). 
Key Points of My Dispute 1. Failure to Address My Prior Disputes : XXXX XXXX XXXX XXXX has ignored my previous disputes and failed to provide substantive evidence to justify the reported late payment. Despite my detailed requests, XXXX continues to assert the reporting is accurate without providing the necessary proof of compliance with FCRA requirements. 
2. Violation of CFPB and FCRA Regulations : Under FCRA, 15 U.S.C. 1681s-2 ( a ), furnishers are required to ensure accuracy and respond to consumer disputes in a manner that includes proper investigation and evidence. XXXX has failed to provide proof of compliance with Regulation Z, specifically regarding the issuance of billing statements at least 21 days before the payment due date. 
3. No Proof of Certified Mail Delivery : As required by 15 U.S. Code 1666b, XXXX must adopt reasonable procedures to ensure timely delivery of billing statements. I requested the certified tracking number or delivery proof for the periodic statement that allegedly informed me of the payment due on XX/XX/year>. XXXX admitted they do not use certified mail, which raises concerns about whether the statement was delivered at all.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

For nearly a year, my mortgage servicing company has been holding funds paid through them for repairs to my home pursuant to an active claim with my homeowners insurance company. 

Needed repairs to my home have remained incomplete for more than a year because they have failed to respond to my repeated calls with requests that they engage with my insurance company to resolve the conflict between their protocol for releasing funds, and the insurance company 's protocol for advancing payments for my contractor 's incremental project bids for repairs. 

I have been reaching out to management in the mortgage company 's " Loss Draft '' department for more than two months now to attempt to engage with the proper authority, but to date have not received any response whatsoever. My insurance company has also attempted to engage with the mortgage company on my behalf also, but have been unsuccessful also. 

I am appealing to the CFPB as a last resort to enlist your assistance with getting them to give my situation the attention it deserves given how long things have languished.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I applied for XXXX XXXX card financed through Citibank. In XXXX, I applied for ExxonMobil card financed through Citibank. I was denied both times for previous internal records for previous bankruptcies over the statue of limitations. I was told to contact credit bureaus, which there are no records
Product: Debt collection

I am writing to bring to your attention an issue with my credit report. Pro Collect has added an additional debt entry. The original creditor sold the debt to another company, which subsequently sold it to Pro Collect. As a result, I now have two identical items listed on my credit report. 

Pro Collect has consistently reported this item as delinquent, with the most recent update occurring on XXXX XXXX. Despite my efforts to resolve this matter, including emailing Pro Collect to request the removal of the duplicate entry and proposing a pay-to-delete arrangement, I have not received a response. 

This situation is both unfair and unjust. According to the law, I am only obligated to pay the debt once, and it should not be reported multiple times on my credit report. 

I would appreciate your assistance in rectifying this matter promptly. 

Thank you for your attention to this issue
Product: Credit reporting, credit repair services, or other personal consumer reports

after reviewing my credit report I sent a dispute letter to Transunion, XXXX  and XXXX  on the inconsistent accounts and inaccurate information account XXXX  XXXX this account status, date opened, last reported, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) account XXXX XXXX XXXX XXXXthis account status, no. of months terms, last reporting date, date last active and date of last payment is all reporting inconsistent and inaccurate information dollar amount ( {$230.00} ) account XXXX XXXX XXXX  XXXXthis account number, date opened, last reporting date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$280.00} ) account XXXX  XXXX XXXX XXXXthis account date opened, last reported date and date last active is all reporting inconsistent and inaccurate information dollar amount ( {$100.00} ) account XXXXXXXX XXXXXXXX this account status, date opened, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$50000.00} ) account XXXX XXXX XXXX this account number, account status, date opened, no. of months term, last reported, date last active and date of last payment are all reporting inconsistent and inaccurate information dollar amount ( {$29000.00} ) these accounts are furnished by the same creditor so why are these account reporting differently? it is your duty to ensure that all information reported consistent and most importantly accurate and you have failed to do so. please deleted this erroneous items immediately.
Product: Credit reporting or other personal consumer reports

On XXXX, I reviewed all 3 credit bureau and notice that there are inaccuracies reported on my credit report. I reached out to the credit bureau, asking them to investigate these accounts with XXXX XXXX. There are two separate accounts that are reporting inaccurate information. According to 15USC 1681 i ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified. The credit bureau did not reinvestigate and violated my rights.
Product: Checking or savings account

I opened an account with Chase a deposited a large u. Check clears and now they have restricted my account and is closing the account and telling me wait for a cashiers check.. I need my money NOW
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX 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 XXXXXXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

In accordance with the fair credit reporting act : XXXX XXXX XXXXXXXX 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 XXXXXXXX have violated my rights. 

According to the Fair Credit Reporting Act sections 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I have disputed these collections and they continue to claim they belong to me. I have not given any written consent to publish these collections on my report and refuse to take ownership of a bill that I have no knowledge of. They have not sent me any paperwork showing how these accounts account are " verified " to be mine. They have had plenty of time to prove to me how these accounts are mine. I have been trying to dispute these charges and have them removed from my credit report but to no avail. XXXXXXXX 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 XXXXXXXX Please help me with this issue that is detrimental to my credit health and my livelihood. Thank you for all you do.
Product: Debt collection

LVNV FUNDING LLC and XXXX  has been reporting that I have a collection/charge-off account with them and they are putting derogatory information on my credit reports. After being frustrated with this situation I decided to do some research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA LVNV FUNDING LLC has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit card or prepaid card

Barclay Card has attempted withdraw funds in recurring payment from the wrong bank account several times over the past 2 months ( XX/XX/XXXX and XX/XX/XXXX ) where the reoccurring payment was set up for a different bank account on their system. Barclay is now trying to levy a late payment / insufficient funds fee due to an error on their end.

I have tried to contact Barclay through their secure message centre and by phone about the matter but they refuse to acknowledge the problem exists even though I can log into their website and see the configuration myself.
Product: Money transfer, virtual currency, or money service

i am filling a complaint against cash app ( Block , inc . ) due to inadequate customer service and unfair practices, which violate the customer 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, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations
Product: Credit card or prepaid card

I am going through some financial hardship because of my childs XXXX XXXX a few months ago. I tried getting into my XXXX syncrony account but it said my account doesnt exist or cant be registered. So I had to order a new one. Im hard of XXXX  and using the phone doesnt work for me, but they have no option for secured messaging. I finally got a hold of the customer service email and I explained my situation and that Im waiting on a new card and hoping itll work to register with.

I want to apply for financial hardship but I cant because the original card they sent me wont register, which means I cant apply for financial hardship and I cant do it over the phone because theres nothing compliant for the hearing issues I have. So instead of answering my emails I get several calls and emails and texts.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and transunion have failed to fulfill its legal obligation under the FCRA to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or incomplete items unresolved. The consumer financial protection bureau has recently filed a lawsuit against XXXX alleging systemic issues such as failing to adequately notify consumers of disputed information outcomes. These failure align with my experience where these bereaus have neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as the inactions violate the federal law and my rights. Please remove the below accounts immediately 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: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I received a XXXX payment of {$1500.00} on XX/XX/XXXX, which I did not recognize Upon realizing this, I promptly became aware that the funds were not intended for me. The rightful owner of the funds has since reached out, requesting their return. However, despite their request, my bank has advised me to retain the funds due to an existing negative balance in my account. This presents a conflicting situation, as the owner rightfully seeks the return of their funds from me. I'm deeply distressed by the situation, especially given my recent job loss, which has heightened my XXXX XXXX XXXX  The owner of the money is threatening to take legal action against me. In response, I've contacted Capital One Bank to inform them that the funds in do not belong to me and they have stated to keep the funds even though theyre not mine.
Product: Credit card or prepaid card

To whom it may concern : My name is XXXX XXXX account ending in # XXXX, I am a loyal card holder looking for help. I was paying my bill online as I normally do and noticed charges totaling more than {$1700.00} from several merchants on XX/XX/XXXX in hopes of helping me ( a loyal customer who has ALWAYS paid my bill on time for years XX/XX/XXXX and never had a problem, not even a late payment ). I immediately called in and reported my lost card and the charges that were not from me. I was transferred to the fraud department where I explained and pointed out all those charges that were not from me. I was told someone might contact me for more information and a full investigation would be conducted. 


On XX/XX/XXXX I receive a letter stating that the investigation was complete in less than 2 weeks and a decision was made making me responsible for all charges.I have been trying to contact someone ( XXXX XXXX EXT XXXX ) from the FRAUD MANAGEMENT TEAM but oddly her phone goes directly to voicemail and she NEVER CALL BACK.even as I have left multiple voice messages stating this is a urgent matter. I am completely devastated and disappointed in your company which also seems a bit sketchy being that there are over 300 complaints similar to my situation on the XXXX website. I've never heard of a company that have a DEPARTMENT MANAGER that # 1 has no last name on the letter at all & # 2 phones go straight to voicemail and never return calls. 


I would hope to have this matter resolved as soon as possible and speak to someone who can really conduct an investigation and replace my money back on my card because I am a VICTIM.
Product: Credit reporting or other personal consumer reports

Vehicle was purchased then totaled due to a tornado 2 months later, GAP coverage was added at time of purchase. The dealership was responsible for sending the GAP payment to XXXX and did not. I followed up many times with the dealership. The last time I followed up the check was finally mailed, received and signed for by the recipient. However, XXXX had not been able to locate the check as of my phone call on XX/XX/24. Because the dealership did not mail the GAP refund check in a timely manner ( it took 3 months before they mailed it only for it to not be found ) the account was reported as delinquent. My credit score has been severely damaged because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian needs to fix the issues about the inaccurate information for the accounts and the unauthorized inquiries reported in my Credit Report. They failed to organize a proper investigation to confirm and validate the items since multiple errors were being stated. Moreover, they have failed to advise me about this matter considering that I have made and sent a lot of requests to their address. Here are the inquiries and accounts that I am disputing : DEPTEDXXXX  XXXX Balance : {$22000.00} DEPTEDXXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$0.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX
Product: Debt collection

I recently noticed a collection account on my credit profiles from Wakefield & Associates. The erroneous claim states that I owe {$320.00} to XXXX XXXX. I've NEVER been to that medical facility therefore I don't owe anything.
Product: Credit card or prepaid card

BofA 2 I spoke with XXXX XXXX ( Supervisor ) on XX/XX/XXXX from Bank of America and was advised to file an FTC Report due to fraud on my Bank of America EDD Debit Card that was never received by me between XX/XX/XXXX and XX/XX/XXXX, which Bank of America was notified about on XX/XX/XXXX due to never receiving my Debit Card that showed it was loaded with funds by EDD California in the amount of {$21000.00}. Bank of America eventually closed the original account and canceled the card and issued a new on XX/XX/XXXX. When the new card was activated, to my dismay, the funds that I was issued by EDD were not on the account. To this day Bank of America has not followed through with the injunction placed on them by the US District Court with regards to my account! They keep coming up with new stall tactics such as, a year later telling me to file an FTC report. They have never provided the fraud investigation documents as requested on 3 separate occasions, they only send a one page autogenerated letter saying the claim was denied due to insufficient evidence! As stated they must provide the documents of the fraud investigation and actually complete one per the injunction and Bank of Americas own correspondence to me. An example is, I called the evening of XX/XX/XXXX and had the claim reopened which they actually processed XX/XX/XXXX, then on XX/XX/XXXX they sent out a letter saying the claim was denied due to insufficient evidence to support my claim of never receiving my debit card. To my understanding of how a fraud claim is investigated this is completely inappropriate and goes completely against what the US District Court injunction states. I have been hung up on when providing them the info regarding the injunction that these employees are completely unaware of. These employees do not even work for Bank of America directly and are hired through a separate facilitator and work remotely from their homes. Not one employee I spoke with knew the details of the US District Court Injunction!
Product: Debt collection

ERC has been credit reporting on a debt that I was not notified about. I was never sent a right to dispute letter prior to being credit reported.