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

I have fallen victim to identity theft, resulting in a violation of my rights as outlined in 15 USC 1681c-2 and 15 USC 1681b . I kindly request the immediate removal of the following account. XXXX ( XXXX XXXX XXXX XXXX Account Number : [ XXXX ] Date of Fraudulent Activity : XX/XX/XXXX UNAUTHORIZED INQUIRES XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX
Product: Debt collection

Subject : Complaint Against Sunrise Credit Services for Erroneous Collection Report Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against Sunrise Credit Services, a collection agency hired by XXXX XXXX XXXX, which has erroneously placed a collection entry on my credit report. This action has unjustly injured my credit standing, causing significant financial harm and stress. 
Personal Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX, XXXX XXXX, Ohio, XXXX Email : XXXX Phone : XXXX Details of the Complaint : I had been an XXXX XXXX XXXX customer before switching my service to XXXX. Upon switching, I fulfilled all outstanding obligations with XXXX XXXX XXXX, including paying my final bill and returning all leased equipment. Despite this, Sunrise Credit Services, acting on behalf of XXXX XXXX XXXX, reported a collection account on my credit report. This report is inaccurate and misleading, as I have satisfied all my commitments with XXXX XXXX XXXX, as evidenced by my clear and timely communications with XXXX XXXX XXXX and XXXX  during the service transition. 
The wrongful collection entry has damaged my credit score and placed undue stress and limitations on my ability to access financial products and services. This erroneous reporting contradicts the Fair Credit Reporting Act 's ( FCRA ) principles, which aim to ensure accurate and fair credit reporting practices.

Request for Action : I respectfully request the Consumer Financial Protection Bureau to : Conduct a full investigation into the practices of Sunrise Credit Services, particularly regarding the erroneous collection report linked to my account with XXXX XXXX XXXX. 
Facilitate removing the inaccurate collection entry from my credit report to correct the record and alleviate the ongoing damage to my creditworthiness. 
I am prepared to provide further documentation and evidence to support my claim, including correspondence with XXXX XXXX XXXX and XXXX  verifying that my account was fully settled and all equipment was returned according to the service agreement terms. 
Thank you for your attention to this matter and your assistance in upholding the integrity of consumer credit reporting. I look forward to a prompt resolution and restoring my credit reputation. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XX/XX/year> Lvnv Funding LLC, XXXX XXXX XXXX XXXX the company sent me a form to fill out and get notarized stating that this was not my debt and that I never had this debt. I went to get the letter notarized and sent it back to the collectors in the mail. They still never took the debt off of my report.
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX, XXXX XXXX XXXX  ; XXXX, XXXX XXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX XXXX XXXX {$20.00} ; XXXX XXXX XXXX XXXX XXXX  Balance : {$450.00} ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX XXXX XXXX : {$1800.00} ; XXXX XXXX XXXX XXXX XXXX : {$340.00} ; XXXX XXXX XXXX XXXX XXXX : {$390.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX : XXXXXXXX XXXX XXXX  ARKANSAS XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Balance : {$460.00} ; XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX : XXXX. XXXX, XXXX ; XXXX Inquiry XXXX XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX ; XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX.
Product: Debt collection

The XXXX collection on my credit report should not be there. This was identity theft. I disputed this collection many times but Transunion keeps telling me that the collection is accurate.
Product: Credit card

yes on our sears credit card.like too find out from collections if i can maybe cancel card.cant afford high monthly payments.way too high???? like too talk too collections first before i might close account. please have them call me XXXX XXXX XXXX its my moms account but i have power of attorney too
Product: Credit reporting or other personal consumer reports

Transunion, XXXX and XXXX  keep reporting inquiries from car companies and loans that Ive disputed over 5 times with them reporting back within a week saying it belongs to me. ive already sent proof of police report of my car with purse inside was stolen and that ive been a victim of identity fraud but theyre not doing any investigation just using third party verification like XXXX XXXX to try to say it was me.
Product: Checking or savings account

I had a wells Fargo account and my account had a balance of XXXX dollars and within 3 days XXXX was gone the bank accused me of making fraudulent deposits which I did not I explained to the bank it wasn't me they still closed my account an took my money please help
Product: Debt or credit management

Beyond Finance offered to settle XXXX accounts however after collecting XXXX from me over the course of 12 months, only negotiated or attempted to negotiate XXXX accounts and paid a total of {$660.00} combined to those XXXX creditors leaving the others to go to collection or charge off. When my score continued to drop after paying months into the program, I inquired and attempted to cancel at which time I was passed on to sales partners to keep me enrolled. Frustrated and confused I stayed enrolled until XXXX of 2025 when I further investigated what exactly is being paid on my behalf with the money Beyond Finance is collecting from me. I confirmed that XXXX accounts were negotiated and being paid on with the rest untouched. Beyond Finance charged me without settling the debts promised, or negotiating settlements with creditors, and mislead me about the companys fees and ability to negotiate directly with all of my creditors. This company appears to be a new name for XXXX XXXX XXXX and they mislead me to believe all fees were paid after all accounts were negotiated. 

When I was finally able to cancel it required XXXX minutes on the phone and being passed to several agents who demeaned and ridiculed me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX Chase Auto deleted a Paid In Full Trade line off my XXXX credit report, which affected my credit score tremendously. I contacted Chase Auto on XX/XX/XXXX and they agreed to but the Tradeline back on my XXXX credit report and still have not.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX  XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Credit Reporting agency continue to Report XXXX XXXX XXXX-STATUS as a CHARGE OFF.

XXXX XXXX ACCT # XXXX This Account was PAID IN FULL in the Magistrate Court in XXXX County in XX/XX/2015 with the Collection Agency XXXX XXXX. I even reached back to XXXX XXXX XXXX on last month, and asked for a PAID IN FULL LETTER. I have Disputed on Several Occassions concerning the STATUS REPORTING as a CHARGE OFF. Yet Equifax continue to respond to me about the BALANCE REPORTING XXXX. How can this Account Report XXXX  BALANCE and STAUS as CHARGE OFF at the same time? I have attached proof that is is Reporting XXXX  Balance and with a Negative Charge Off Status.

Equifax has the FULL Understanding that anything that REPORTS AS A CHARGE OFF Severly Deminishes your CREDIT SCORE.

I have worked deligently to Improve my Credit because I whole heartedly believe in Credit Worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is still reporting this Medical Debt with a ZERO BALANCE on my credit report. The new law as of XXXX was anything under XXXX dollars or 0 balance was not to be reported for MEDICAL DEBT. I was told in XXXX by Equifax that it would fall off in six months. The account from XXXX XXXX # XXXX is still reporting
Product: Debt collection

The company Convergent Outsourcing, I sent them a letter stating that the information on my Credit Report. They in turn sent me a letter stating that they do not have an account for me. I sent a copy of that letter to the Credit Bureaus and the incorrect information is still on my report.
Product: Debt collection

To whom it may concern I XXXX XXXX Have noticed inaccuracy of reports from Self/Lead Bank I have made several attempts to dispute this matter allowing myself to get the account Removed I have also filed an FTC report XXXX Prior to this I have filed multiple requests in dispute of the fradulent report and inaccuracies When according to 15 USC 1681 Reports must be ACCURATE with further investigation my reports are also Fraudulent but these reports have inconsistencies with XXXX, XXXX, and XXXX which by law along with 15 USC 1692 ( g ) ( b ) validation of this debt can only be done by the original creditor which is me The Consumer. I can only validate that debt and this debt is not my debt someone had compromised my information and Fraudulently using my identity and with the help of theses agencies I am having a great deal of suffering in regards to this matter. Also in result to this matter these report have become charge off which is illegal to be done after I have asked for debt validation nothing has been done no notices have been sent to me or any evidence of them showing me that this was truly me because they can't produce the information because it wasn't me. I am asking for the immediate REMOVAL. In conjuction to this matter I am seeking monetary relief due to this erroneous reports that are hindering my livelihood and ability to extended myself credit which Is my right under equal credit opportunity act established in 1974 I have sent documents highlighting each error in reports and am seeking Remedy for Each Violation that is stated FCRA 1681. 
Please go thoroughly investigation ton understand understanding the importance of these law and the litigation to properly go through steps and grant me proper relief Thank you In good faith XXXX XXXX
Product: Checking or savings account

I had a BMO account in XX/XX/XXXX. In XX/XX/XXXX I went to BMO to do a wire transfer. I paid the {$30.00} fee for the transfer. When I spoke to the company that was to receive my funds I found out that BMO did not put the transfer through. When I called BMO not one representative at the bank would speak to me. I was consistently referred to the Fraud Department. When I spoke with a XXXX in the Fraud Dept she informed me that my account was restricted due to deposits into my account not in my name. After discussing the situation XXXX explained that if I were to take the person to BMO with an ID they could receive the funds that came into my account in their name. That was not true. We went to BMO, as directed by XXXX, myself along with my friend and his ID. And being that no one was permitted in the bank due to COVID-19 we went to the drive-up teller. The tellers would not assist. We were told to go into the bank. Which was not a possibility since no one was permitted in any bank. I called XXXX back in Fraud. The conversation went in circles since she now claimed she did not tell us to do that. And that at this time my account was being turned over to legal. I received a letter from XXXX via USPS on XX/XX/XXXX telling me that my account was closed and any balance would be mailed to me. In XX/XX/XXXX my balance online showed {$19000.00}. On XX/XX/XXXX the balance online for my account disappeared and I can not get anyone to tell me what happened to my funds. Including the amount, I deposited for the initial wire transfer of {$9500.00}. The letter I received telling me I would receive any balance in the account once closed never happened. At this time I can get no assistance from anyone at BMO.
Product: Credit reporting or other personal consumer reports

This account is considered closed as of XX/XX/year> profit and loss written off for {$6000.00}. which now makes it income and according to 15 USC 1681 ( 2 ) ( a ) ( i ) no transaction or experiences can be reported.
Product: Credit reporting or other personal consumer reports

My personal information is inaccurate on my report
Product: Student loan

I take weekly screenshots of my balances after payment is processed. It is shown that the balance for loan XXXX remains unchanged. 
I had a payment scheduled for XX/XX/24 for the amount of {$250.00}. Three of the payments went through for XXXX XXXX, and XXXX. Loan XXXX did not get any money applied nor did it go to any other loan amount. The amount for loan XXXX was suppose to be {$75.00} dollars. 
Loan XXXX is an interest free loan so there is no interest accrued on the account. 
I provided screenshots of my bank account showing the money being removed from my account on Monday XX/XX/24. Only {$180.00} was applied. 
EdFinacial live chat does not work nor the email support option.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is not mine. This company is in violation of FCRA by reporting false information. I have never heard of this company and have never done business with them. I have not received a dunning letter before attempting to start collection practices. I will also be contacting my state 's attorney generals office in regards to this erroneous reporting and this company business practices as well. Midwest Recovery VIOLATED my rights under FDCPA rules by NOT NOTIFYING me of this attempt to collect a debt. They have until the end of next week to remove the erroneous reporting off the three major credit bureaus or I will file a lawsuit. I have send my attorney a copy of the this complaint as well. Please give this the immediate attention it deserves.
Product: Checking or savings account

Citibank was offering a cashback bonus for opening a new account with them, the details of which are no longer on the Citi bank as it has since expired. I have paperwork ( attached ) as it was an in branch offer and am including a link that references it XXXX XXXX XXXX 

Some high level details of the offer and qualifying amounts are included below : " Open a new CitiBusiness ( Analyzed ), Streamlined, or Flexible Checking Account between XX/XX/XXXXXXXX  and XX/XX/XXXX, make a deposit within 30 days of account opening, and maintain your balance for 60 consecutive calendar days '' {$5000.00} {$19000.00} {$300.00} bonus {$20000.00} {$99000.00} {$750.00} bonus {$100000.00} {$190000.00} {$1500.00} bonus $ XXXX {$2000.00} bonus I went into the branch XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX and met with Banker : XXXX XXXX XXXX XX/XX/XXXX to open the account. After completing the required paperwork etc. was informed that the account should be opened in the next few days, that they would call me and let me know when I could pick the debit card up. When I didn't hear back, I went into the branch on XX/XX/XXXX and was informed that the account was actually opened and that they would mail me the credit card. I wanted to ensure I qualified for the new account promo so made a deposit of {$22000.00} on that day ( within 30 days ). 

On XXXX after noticing that my cash bonus had not been deposited, I called Citi and basically got the runaround. The representative started out by telling me that there wasn't a cash bonus offer at that time. I had the paperwork in front of me and proceeded to read out the offer details at which point the rep claimed that it wasn't a legitimate offer as there needed to be an alphanumeric code for the promo ( which there wasn't in the paperwork provided to me on account opening ). I mentioned that the offer was referenced in various articles and blogs and the rep put me on hold for a few minutes and when she came back on the line told me that she had found my offer online. She claimed it was " for a {$100.00} '' and could possibly honor that. 

At this point, the rep had no idea of the amount I had deposited and which bonus I would qualify for. I thought that was odd and mentioned it to her. She proceeded to tell me that while cash bonuses used to be automatic, this was no longer the case due to a large number of new account openings. She also mentioned that when customers call asking for the cash bonuses that these offers are investigated which is how she was going to proceed. 

I called Citi late that day to inquire about the progress of the investigation and the rep had no clue about this and told me that they didn't have my W-9 and that I'd need to go into the bank in person and then only would I maybe get my bonus. I already took the required documents required for opening the account ( Passport, DL, EIN paperwork ) as referenced on their page and don't like that they are giving me the runaround with no solution in sight.
Product: Mortgage

1. In  XXXX  we received notification of an escrow shortage and specifing a new payment amount of {$1700.00}  (  from the previous {$1600.00}  ).  We requested a second statement of mortgage payments and the anticipated shortage but have not received it as of  XXXX / XXXX /  XXXX  .    2.  In  XXXX  we received a mortgage statement for a payment of  XXXX  without any explanation. On  XXXX / XXXX /  XXXX   I called t he Suntrust Mort gage and the agent said that on  XXXX  there was an adjustment and the payment should be  XXXX .   It makes no sense that the payment should change so radically in a  one m onth period, especially since it was already adjusted in  XXXX .
Product: Credit reporting or other personal consumer reports

The below listed collection companies can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of these accounts inaccurate. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of these account as a debt is inaccurate. I never received a 1099-C from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX nor from Portfolio Recov Assoc for the cancelled debts in order to file as ordinary income. Where is my 1099-C from these collectors? Where are any copies of the IRS forms they were required to submit? They are clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than {$600.00} ( but also for any amount ). This is unsatisfactory at best and CRIMINAL at worst.

The below noted " collectors '' have been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information and I am ordering them to REMOVE these reports from the three credit agencies : XXXX, XXXX and XXXX. 

CHARGED OFF ACCOUNTS REPORTING : XXXX XXXX XXXX Balance {$620.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX XXXX Balance {$670.00} Balance updated XXXX XXXX, XXXX  XXXX XXXX XXXX Balance {$550.00} Balance updated XXXX XXXX, XXXX  PORTFOLIO RECOV ASSOC Balance {$450.00} Balance updated XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/2023 XXXX  XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XX/XX/2023
Product: Checking or savings account

On XX/XX/2023, I received an email from Truist telling me there is a problem with my checking account. I have never heard of Truist and have no account with them. When I called the number provided, XXXX, to report there maybe a phishing scam, I needed to provide an account number or ssn in order to report fraud. I have no account THAT I KNOW OF and want to be certain no one opened an account in my name. I refuse to enter ssn to an entity I do not do business with, so they would not take the call. 
So this is twofold : has my identity been used to open a fraudulent account and are they aware of a potential phishing scam in their name? 
Thank you.