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

SUNRISE CREDIT SERVICES , INC XXXX XXXX XXXX XXXX, NY XXXX Tel : XXXX Email : XXXX Fax : XXXX SUNRISE CREDIT SERVICES , INC is XXXX reporting on my credit. I have never had any accounts with them. Upon my research/findings, SUNRISE CREDIT SERVICES , INC is a debt collector. They are falsely reporting to my credit! Account # XXXX is falsely reporting to my credit file ( XXXX, XXXX, and XXXX and any other reporting agency ) and against my rights and fair credit act. Under 15 U.S. Code 1681d - Disclosure of investigative consumer reports. I have attached the definition so that you can see and understand the violation. A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested. I request to be provided proof of this alleged item, specifically the original application, contract, note instrument bearing my signature with SUNRISE CREDIT SERVICES , INC . Failing to do so, the item must be deleted from the report as soon as possible! Under federal law, you have 30 days to complete your reinvestigation. I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692G Please have the original creditor provide the validation documents to the XXXX  as well as to me. It is extremely important that the creditor provide the documents to the XXXX  to ensure fairness and that they are not brushing me off and taking this matter seriously. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 



1. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX, GA XXXX XXXX. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT 3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX  Date of inquiry : XX/XX/2023 Delete From My CREDIT REPORT 4. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXXXXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been sent several proof of validation letters, even certified mailed. Which as a consumer I have the right to get a copy of how an item was verified as accurate on my credit report. It's a violation of the FDCPA for a debt collector to refuse to send a validation notice or fail to respond to your verification letter in 30 days, if proof is not submitted within 30 days the item should be removed. Which I have never received a copy of how this verified, because they are wanting to ignore the laws of The Federal Trade Commission as well. If Equifax has provided proof to me before this complaint please attach a copy of dated prior to this complaint. this company has only sent stall tactic letters stating Verified but no proof attached. 

I am disturbed that you continue to list the Bankruptcy as confirmed. I aware that you receive your information from a third party verification known as PACER. This system is sometimes not accurate because of the limitations of providing a complete Social security number The FCRA mentions nothing in section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief " Any case, civil or otherwise, which is dismissed, no longer exists in the eyes of the law, and a case filed may never have actually been adjudicated. You have no right to maintain information which the government has deemeed non existent, It is only fair that in accordance with with Section 1681 ( a ) ( 5 ) of the Fair Credit Reporting ACt you delete this from my credit report and send me an updated copy.

Considering it does not require an investigation, I would appreciate your response with 3-5 business days.
Product: Credit card

Entered into a hardship agreement with 3 credit cards issued by this servicer. I asked for a written explanation of the hardship agreement and was advised that they could not put the agreement in writing. I had successfully made XXXX  monthly payments on 2 or 3 cards, which should've resulted in the cards being brought current, however I was advised that I missed a payment in XXXX and my agreement was cancelled. Funny thing is when I called in XXXX and XXXX to schedule my payments I was advised that I was under a hardship agreement. 

XXXX account ending in XXXX XXXX account ending in XXXX Cerulean account ending in XXXX All issued by XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax is inaccurately reporting a late payment into my credit profile. This is causing my credit to suffer preventing me from employment opportunities. I have attempted to resolve this matter with no response from the Equifax reporting agency.
Product: Debt collection

I was injured at work and had to be taken to hospital. This collection account is a workers compensation bill. My employer is responsible for this bill or account. My employer has taken care of the hospital and other medical bill of this injury, but has not taken care of this bill which is the ambulance ride to hospital. I have contacted all parties involved with the correct information. But collection are still going on in my name and Affecting my CREDIT. The amount is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint shall be considered a follow-up to my previous complaint which contains some disputed items which I believe to be fraudulent and erroneous I want the disputed items to be removed from my file for they do not belong there Please remove the following items : XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$19000.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I talked to Transunion credit reporting agency about getting my credit report and credit score. The agent along with his supervisor XXXX employee ID XXXX  denied me my free credit report along with my score. According to the Fair Credit Report Act a individual is suppose to be able to obtain one free report and score annually. I told them I don't have access to my old account login that hasn't been used since 2016 and they still denied me service. When I ask to speak to another supervisor and ask for a number to call he denied me
Product: Credit card

Im trying to transfer my points from chase rewards to XXXX and they dont allow me. Ive called chase more than once they said it has to be done by a specific department manually and its been over a week and nothing happened! Ill probably going to lose the opportunity to book the XXXX XXXX  with points all because of this delay coming from chase. Terrible customer service.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered accounts that I did not recognize or apply for. Upon further investigation, I realized that my personal information was exposed in several date breaches as well. I have no recollection of applying for any of the accounts in question, and they are negatively impacting my credit. Per section 15 USC 1681 c-2, any fraudulent accounts that I did not authorize or signed a contract for must be removed off of my credit report in 4 days! 

These fraudulent accounts are not only damaging my credit but also causing me significant stress and XXXX. I have no connection to these accounts and urgently request their immediate removal to prevent any further harm to my financial well-being.
Product: Credit card or prepaid card

Credit card bill number does not match my credit card number. The payments that I had made were deducted from my checking account but not credited to the credit card payment. In addition to this the mailing address of the credit card bill does not match the mailing address of the Macy ' s Department Store for my billing.
Product: Checking or savings account

Hi Officier, From XX/XX/XXXX, I've canceled my credit card and I am going to close my CD then get refund back to my checking account. Bank of America confirmed that they will refund in 10 days. 
2 weeks passed, I was checking with specialist via service phone call at XXXX about why my CD is not closed. I made several calls in two weeks to figure out the reason but their specialist can not get any response. In the end, I went to BOA physically and asked their clerk to assist. Even their clerk can not get the answer from their BOA internally. According to her information, she reached with CD but CD depart thinks it should be taken care by Credit card Depart. When we were transfered, Credit card depart said it's not their business and asked us back to CD. Then we tried over 2 hours between both departments. It doesn't make sense to me why I can not close my account because of their internal issues.
Product: Money transfer, virtual currency, or money service

I bought a money order for XXXX usd on XXXX XX/XX/2022 I send it by usps on XXXX XX/XX/2022. but the certified letter is lost .and today is XX/XX/2022 .and still the USPS has not give me a reasonable answer, what happen with my letter the only know to say that it is in transit. 
So I went to AMSCOT ( central office ) to try to put an stop payment .but is imposible they inform me. You need to buy another money order for XXXX usd. i did it in XXXX XX/XX/2022 and I fill out a form to complete the process until here is ok. 
But the process take around 1 months and half to be ready. XXXX that time they do not take any action to stop the payment so i need to wait 1 month and half. to see what will happen with my money order.Is ridiculous .they only answer, '' you have to wait and be patient '' if al least the put a note, some information, that no to be paid it.as client i feel better but is imposible after many calls.their answer always are the same '' No because we have many cases only wait '', you need to wait ''. and the services by phone is horrible.

rude, Iam frustated as client. because i see i have not immediately solution. 
thank you for your help. and help to other peoples don't pass for this situation.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( private ), Consumer Date of Birth : ( Private ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a BANKRUPTCY I do not recognize the aforementioned account, as reported. The aforementioned account, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. the aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is information that is in my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported in my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block this information has been ignored and at this point I have been severely injured and I want to move forward with legal actions
Product: Credit reporting or other personal consumer reports

Request to provide Method of Verification To Whom It May Concern : I am concerned about the validity and accuracy of your recent investigation of XXXX XXXX  XXXX XXXX XXXX Account # XXXX ) XXXX XXXX  XXXX ( Account # : XXXX ) XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ), that is reporting on my XXXX report. On XX/XX/year>24, I requested a investigation because I felt the item is not being reported legally, and on XX/XX/scrub>/24, I received a letter stating that your investigation was complete. 

Please explain to me how you conducted your investigation! 

Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported. 
What documents were reviewed to conclude your reinvestigation? 
Please provide me a complete copy of all of the information that was transmitted to the data furnisher as part of the investigation. 
Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 
If you reply yes to the above then : Who did you speak with? 
What was the date? 
What was their position? 
What number did you call? 
What is the name of your employee that spoke directly to the above party? 
Were there any e-mails or written communications between employees of your company and the above party? 

If so, please provide copies of all correspondence and copies of any and all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 

This information should not come as a form letter response. A template response will not be an acceptable response. If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. This erroneous entry is detrimental to my overall credit rating and has caused me severe financial and emotional distress. 

If you choose not to provide the details or requested and required documentation of your investigation, I will pursue the enforcements of my constitutional rights via federal court proceedings. As you are well aware this information will come out through my formal discovery process, and necessary depositions. I have recently studied constitutional consumer protection laws along with civil/federal court procedures. 

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

All three bureaus XXXX XXXX, XXXX and Equifax are reporting incorrectly on credit report. previously account was stating account status of derogatory by all three bureaus with a date opened of XX/XX/XXXX by XXXX XXXX XXXX and Equifax reported XXXX XXXX. Account with stating as payment status of collection/Charge off and derogatory. reporting date of last payment of XX/XX/XXXX by XXXX XXXX and XXXX while Equifax reported date last payment of XX/XX/XXXX, XXXX on the other hand payment history was reporting OK as agreed by Equifax from XX/XX/XXXX all the way through XX/XX/XXXX while XXXX reported consecutive charge off all the way from XX/XX/XXXX through XX/XX/XXXX. Making no sense with data reported on date of last payment dates do not make sense do not match. after I dispute it with all three bureaus for inaccuracies results came back still incorrectly. Data that was being reported on date of last payment has now been removed leaving nothing to show by all three bureaus. Payment history, Equifax deleted OK as agree and replaced it with consecutive charge of all the way. This is not acceptable and I do not tolerate this type of inaccuracies. Account is now reporting a account status of being closed by all three bureaus and XXXX and Equifax have have change the date open to XXXX XXXX, XXXX. Stating incorrect date last active. There is no way that all three bureaus can be correct if information is coming from the same furniture data.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, AND XXXX XXXX XXXX was never late! I have had exceptional payment history witH capital 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 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, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, AND 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
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. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

XXXX XXXX I was forced to sale my home due to hardship related to divorce. I entered into the loss mitigation process XXXX with an offer, but Freedom Mortgage continually delayed the process, lost documents, and eventually caused XXXX buyers to back out over 5 months. Finally, I received a cash offer, but still it took several months of back and forth to Sell the home. Following the sale of the home XXXX XXXX Freedom Mortgage continued to notify the credit bureaus that I am past due 180 days. This home had multiple offers, would have sold multiple times, and even after it sold I continued to get threatening letters regarding property insurance on a home I no longer owned. Freedom Mortgage has no accountability and their departments lack communication that sets up consumers for failure. 
Their loss mitigation process is not transparent, their customer service department lacks customer service ( Multiple complaints filed with no response ), and they have made no attempt to work with me to resolve this issue. I submitted my complaint to the XXXX with an evidence file that clearly articulates the issue with time stamped evidence, but the response completely avoids the evidence presented and only points out a poorly drafted timeline that omits their continued failures questioned in my complaint.
Product: Credit card or prepaid card

On XX/XX/2022, XXXX XXXX unilaterally closed my credit builder and credit card account with them. 

They claimed to pay out my money in XXXX business days after my account is closed. It has been way past that timeframe. 

I contacted Self Inc. customer service on XX/XX/2022, to ask why they haven't sent my money yet. They told me to contact their dispute/fraud department via XXXX. They said there is no phone number for that department which I thought was odd. 

On XX/XX/2022, I got the below email from the dispute/fraud department. 

" Self Financial Hello XXXX, While Self strives to offer service to all of our customers, we have a regulatory obligation to regularly review accounts and their activity. During one of these standard reviews, we came across information on your account which was unverifiable. As we are required to be able to verify all account information, we must unfortunately discontinue your service with us. 

If you have any payouts owed at this time, your payout may be frozen during this review and we will unfreeze any funds once our review is complete. For security and privacy purposes, we are unable to specify which information was unverifiable or offer any further timeframes on our payout review process. 

Please reach out if you have any further questions. 

All the best, The Self Team '' How unreasonable is that email? They can't tell me why they closed my account and froze my funds, they can't tell me exactly what was suspicious, and they can't tell me approximately how long it is going to take? I believe this is unfair practice. As an account holder with SELF, I have a right to know what is happening with my account. They can't just say " Oh, we can't tell you anything because of security reasons ''.