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

To whom it may concern, On XX/XX/2022 we signed a contract with XXXX XXXX XXXX XXXX and Sunlight Financial to install a new roof and solar with battery back up on our home. It has taken till XXXX XXXX to have the system installed and running and still not sure it is working properly due to the workmanship of XXXX XXXX. We were promised a reimbursement by XXXX XXXX for the months not operational and a rebate for {$4900.00}. Also we were promised a warranty. Now XXXX XXXX has closed their doors and are filing for bankruptcy and I am suppose to pay on a loan with Sunlight Financial for equipment that is not fully serviceable and no warranty with no recourse. Sunlight Financial has also put a lien on my home even though I have been making timely payments of {$410.00} a month for equipment that is inoperable. The loan is for {$69000.00}. I was pressured into this loan by the salesperson saying I would save {$12000.00} if I took a loan. I did not receive any savings.
Product: Credit reporting, credit repair services, or other personal consumer reports

LVNV Funding This account was not late. How can this account be reporting XXXX days late in XX/XX/XXXX if XX/XX/XXXX and XX/XX/XXXX are both reported on time? 
How can this account be reporting XXXX days late in XX/XX/XXXX if XX/XX/XXXX is reporting XXXX late? That would make XXXX  XXXX days late. 
This account was not late. How can this account be reporting XXXX  days late in XX/XX/XXXX if XX/XX/XXXX and XX/XX/XXXX are both reported on time?
Product: Debt collection

This company XXXX XXXX XXXX XXXX XXXX XXXX placed an collection on my credit report and I had no knowledge of the bill. The bill is from XX/XX/2013 and no bill or notice from the doctor or hospital has been received. Neither did i receive a bill or notice from the collection agency XXXX XXXX XXXX XXXX # XXXX. They put it on my credit report still no notice of the bill just put it in collections. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX , AZ XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX account ending in # XXXX, XXXX - XXXX account ending in # XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX account ending in # XXXXXXXX XXXX XXXX XXXX  account ending in # XXXX, XXXX XXXX account ending in # XXXX, XXXX XXXX account ending in # XXXX, XXXX XXXX XXXX  account ending # XXXX, XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX account ending XXXX XXXXXXXX XXXX XXXX XXXX account ending # XXXX, XXXX XXXX XXXX XXXX account ending in # XXXX, XXXX XXXX XXXX, XXXX account ending in XXXX XXXX, and XXXX XXXX account ending XXXX XXXX XXXX have violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have applied for a XXXX XXXX XXXX XXXX XXXX. Had to have multiple background checks and 3 XXXX XXXX. The information being used is XXXX XXXX from 16, 22, 26 and 30 years ago. 3 are XXXX and 1 XXXX. The position for employment is in the XXXX  XXXX XXXX. TX Business code 20.05 states no arrests, convictions, parole anything older than 7 years can not be used or reported unless the salary is equal to or above 75,000 yearly this position I am applying for is XXXX hr 40 hours a week which is XXXX gross wages well below the amount set fourth. The company has state that texas law doesn't matter only the FCRA but that also states no negative information older than 7 years and that a consumer reporting agency must also abide by state laws. This company is grossly not following the federal or state law as set fourth.
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX  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 60 days 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. 


XXXX & XXXX XXXX Never Sent 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 8
Product: Credit reporting or other personal consumer reports

The following accounts XXXX XXXX XXXX - ACCOUNT NUMBER XXXX XXXX XXXX - ACCOUNT NUMBER XXXX XXXX XXXX  XXXX - ACCOUNT NUMBER XXXX XXXX XXXX - ACCOUNT NUMBER XXXX XXXXXXXX XXXX XXXX  XXXX - ACCOUNT NUMBER XXXX XXXX XXXX - - ACCOUNT NUMBER XXXX have been all DELETED from XXXX. The law say all credit Bureaus must report complete and accurate information. These accounts ARE NOT VALID AND should not still be reporting to XXXX Or Equifax.
Product: Money transfer, virtual currency, or money service

In XXXX XXXX, my Zelle account was suspended and I was no longer able to use it to send or receive funds. In XXXX, I attempted to find out why the account was suspended and what I needed to do to recover it. I called Zelle on three separate occasions from XXXX XXXX XXXX and durning each phone call, I was told was that the account was suspended in XXXX and I am no longer able to use the service. They were unable to inform me exactly why my account was suspended and they further stated there was no recourse or escalation process, just that I was no longer able to use the product.
Product: Debt collection

Wakefield has placed a collection on my credit profiles claiming that I owe {$1100.00} to XXXX XXXX XXXX. Ive never been to that medical facilithy. I have reached out to Wakefield 3 times between XX/XX/XXXXand XX/XX/XXXX ( I have certified USPS proof of delivery to them in which Im sending via the CFPB portal ) and they have yet to respond. They are unable to verify this because the debt does not belong to me. They are clearly not even attempting to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. Please remove this account and send me an updated copy of my report after the investigation. These inquiries should also be removed. 
XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX Date of Inquiry XX/XX/2021 XXXXS Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX XXXX Date of Inquiry XX/XX/2021 XXXX  Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

IC Systems has an account on my credit report that doesnt belong to me. Enclosed is a copy of the complaint I sent to IC Systems.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint if filed against EXPERIAN CREDIT BUREAU and XXXX  XXXX. 
On XX/XX/XXXX I have settled with XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  and I don't owe any longer debt I had on my real estate purchase. 
Both Experian and XXXX have been notified by legal office from XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  about outcome from the settlement. 
Experian briefley DELETED XXXX  XXXX on XX/XX/XXXX ( see attached ) and than immediately placed the record back on XX/XX/XXXX ( see attached ) EXPERIAN ALTERED MY NAME ( my aka ) TO LOOK LIKE I'M DIFFERENT PERSON BUT, LOOK AT THE SOCIAL SECURITY NUMBER AND YOU KNOW I'M THE SAME PERSON This scam and ripp-off company shouldn't be on the market. To report false entries in consumer file in credit bureau is illegal and against the laws of The United States. 
Do you at FTC do anything about this? Or you are just toothless office pretending to protect consumers? 
I want to you to take action against both of those companies/
Product: Credit reporting or other personal consumer reports

As a protected consumer under federal law, specifically the Fair Credit Reporting Act ( FCRA ), I am demanding the immediate removal of several unauthorized inquiries from my credit report. These inquiries were made without my knowledge or consent, which raises serious concerns about identity theft or a blatant violation of my rights under the FCRA. Under Section 604 ( a ) ( 3 ), the FCRA strictly requires credit reporting agencies to have a 'permissible purpose ' to access or share my report. These unauthorized inquiries are illegal and do not fall under any permissible purpose. I expect these inquiries to be removed from my credit file without delay XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I have a Venmo account with money within it that can not be withdrawn. 
They've informed me that in order to withdraw the money I need to verify my identity with a photo-idwhich I have done so over a dozen times now. They immediately send me an email upon receiving my identification photos that they aren't able to read it even though they are incredibly clear and easy to read. I've retaken the photo many times and used different documentation like a passport and a drivers license in clear lighting. 

I've emailed them and they simply said to resubmit the identification and then nothing changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting incurrect information on my credit report, they have a repossession on my file and that's incorrect
Product: Payday loan, title loan, or personal loan

I bought a piano back in XX/XX/XXXX for a total amount of {$2800.00} ( including taxes ), financed through Synchrony Bank for a total amount of {$2800.00} at an interest rate of 22.99 %, but will interest can be waived if paid in full within a year. I officially setup my account on XX/XX/XXXX when I received the mail about my mail account, and I used the automatic payment calculator to calculate my payoff amount if I want it to be paid in full within 12 months starting 1st payment on XX/XX/XXXX. It came out to be {$270.00}. Recently, I've noticed that the bank is still charging me money after 1 year so I called the bank. Their representative claimed that I didn't pay off my account within a year that there was a {$20.00} late fee posted on my account on XX/XX/XXXX which I had no idea about. I setup my account on XXXX using their calculator thinking it would take care of everything for me. But instead now I'm out of pocket for {$530.00} for a late charge which I was never made aware of. I never got any email ever since I've setup my account on the XXXX. The representative claimed that they sent me several mail, which I never received. I live in an apartment complex and mails often get lost. So their only means of communicating with me was through mail. I never received a text, a phone nor a email regarding to this late charge. I feel like they conned me out of {$500.00} for a late fee that I was never aware of. They claimed that I should've read my contract and contact them about setting up the account while I was under the assumption that the setup email was on the way to me the whole time, which was the reason why I've missed the first payment, but their automatic payment calculator never took that into consideration when I setup my account on XXXX. And they are penalizing me for their system problem.
Product: Credit card or prepaid card

Went on a vacation from XX/XX/XXXX to XXXX up in Vermont which is on the XXXX XXXX XXXX At some point during the drive up, my credit card information was stolen. Between XX/XX/XXXX and XXXX a list of purchases were made in XXXX XXXX which were NOT by me. I promptly called the company to report this and the card was shut down and a new one was issued. I told the person I spoke with that any charges outside of the United States were not authorized and they proceeded to create the claims list. I thought this was fairly straightforward and the process was easy... or so I thought. 

Less than a week passes by and I see the fraudulent charges added to my new card number along with a handful of adjustments. Some of the adjustments didn't match any of the fraudulent charges nor was the total amount for adjustments correct. I call back to correct this and the person I spoke with this time around got frustrated with me saying I can't simple state " all charges outside of the US are fraud ''. So we go line by line for what the fraudulent charges are which totaled {$1900.00}. 

About week passes by and the majority of the fraud charges have corresponding adjustments and the valid purchases have also been corrected. All but XXXX charge for {$95.00} had been accounted for. So I call once again and this charge is added to the list. 

Some time passes again and I see no change on my account. I get a letter in the mail saying the {$95.00} has been denied because I had my card in possession. I call the number on the letter and ask for more details on why this was denied. I am told the same exact thing with no further details. I ask to re-open the claim on that and we go through the information that once again. Before we hang up the person said something eluding to the other charges were also denied so I stop him and ask him to confirm whether they had been denied. I never received a letter saying these were denied but somehow they were? So once again, we go over the list he has and he's listing charges I have absolutely no visibility on at all. I bring this up and say no where on my account do I see that and he said it may be on my previous card number which I also have no access to.

We make another list based on the only information I have at this point and I state I have a hotel statement and XXXX locations showing I was not in XXXX. I am told to fax this information over which the google location information will not fax over correctly. At this point I have no faith that this company can correctly resolve this issue with the current personnel looking over this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made this demand these inquiries multiple times with Experian, and I have not received a proper notice of investigation from this credit reporting agency. These inquiries are fraudulent and unauthorized. I want them deleted from my credit report. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX NA XX/XX/XXXX Experian is not operating with integrity reporting inaccurate information on the report. There is a violation of 15 USC 1681a ( 3 ) assumed role and never had my consent. 15 USC 1681a ( 4 ), 15 USC 1681b ( 2 ), 15 USC 1681e. I never consented or instructed this information to be furnished on my report. There was never a permissive purpose for these inaccurate inquires. Experian is furnishing and reporting inaccurate information. " There is a need to Insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' I don't believe Experian hasn't operated in fairness or accuracy to uphold their duty as a credit reporting agency.
Product: Credit reporting or other personal consumer reports

My credit report shows that this account was charged off. Thats fine. However, I called Aspire and paid them directly to settle my account in full. Aspire did not report that my account was paid at all, instead, they updated my credit report to show that it was charged off twice. Once AFTER I paid. I disputed this information with XXXX and within 24 hours, Aspire dropped my score another XXXX points with showing the 2nd charge off. I called Aspire and customer service said they could not help me so they transferred me to the Collections Department who told me they are not required to report that an account is paid. Just that it is charged off. I know this to be false. I tried to explain that its false. Aspire is refusing to handle this matter.
Product: Prepaid card

They advised to keep trying different places. Amex gift card with a large balance and has been declined at many places.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have never received my original contract with my wet signature and I never signed a contract with XXXX XXXX XXXXXXXX and they have failed to validate the debt. You have violated and compromised my private information according to the Gramm-Leach-Bliley Act. Please send me copies of the original contract with my signature. If you can not find any of the info above immediately remove this account from my credit report. I have attached my license for proof of my identity.
Product: Checking or savings account

On XX/XX/XXXX, I decided to open an investment account with the company " Charles Schwab & Co ''. Which made a deposit of a check on XX/XX/XXXX for the value of {$17000.00} and a trade with XXXX XXXX XXXX XXXX for the value of {$110.00}, which access to the account was suspended. I made several calls to " Charles Schwab & Co '' which they can never verify my information to access the account. Today, XX/XX/XXXX, I decided to call again and I continue to receive the same thing that I received in XXXX, they invite me to visit a branch, which I do not have enough time to go and stay x time at a branch. 

My account was blocked for no reason, they never provide the information as to why my account was blocked. So that's why today I am filing this complaint against the company " Charles Schwab & Co. '' I need my funds, which they refuse to attend to on the phone. I can't miss a day of work. 

They are closing my account without reason, an account closure is opened without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date :  XXXX   2014 Amount : {$9600.00} No disclosure received Action : I called several times and they keep transfering m  e to oth er department.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX account XXXX has violated my rights. 
15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 

XXXX XXXXXXXX Original creditor : Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$120.00} Original balance {$120.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Comments No Comments Statements No Statements Contact info Name XXXX XXXX Address XXXX XXXX XXXX XXXX, GA XXXX Phone number ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failure to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB ' s recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

The following are the accounts I have marked as inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion and XXXX are reporting late payments from companies that are inaccurate. 
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX are all reporting inaccurate late payment information. 

These have been reported late for XXXX, XXXX, XXXX, XXXX and XXXX which is incorrect.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 60 days 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. 


Never Sent 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 XXXX
Product: Mortgage

Tried to reach Pentagon Federal C U with no success. They are trying to charge extra fees on payoff ( refi ) of their first mortgage on my home. These " fees '' ( " release '' and " recording '' ) were never revealed when we signed up for the mortgage, and we were told we could prepay the mortgage at any time without a penalty. These supposed " fees '' are simply penalties ( and income for them ) in disguise.