23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Sunrise Credit Services , Inc is in violation of multiple FDCPA laws. I am attaching proof of violation in the contents of this letter as well.

Exhibit A-15 U.S. Code 1692e.False or misleading ( 14 ) The use of any business, company, or organization name other than the true name of thedebtcollectors business, company, or organization.

Exhibit B-15 U.S. Code 1692f.Unfair practices ( 8 ) Using any language or symbol, other than thedebtcollectors address, on any envelope when communicating with aconsumerby use of the mails or by telegram, except that adebtcollector may use his business name if such name does not indicate that he is in thedebtcollection business.

Exhibit C-15 U.S. Code 1692e.False or misleading ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputeddebtis disputed.

Exhibit D-15 U.S. Code 1692f. Unfair practices ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless
such amount is expressly authorized by the agreement creating thedebtor permitted by law.

Exhibit E-15 U.S. Code 1692b - Acquisition of location information ( 2 ) notstatethat suchconsumerowes anydebt ; Exhibit F-15 U.S. Code 1692j - Furnishing certain deceptive forms ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating
Product: Debt collection

Previously I had complained about XXXXXXXX XXXX XXXX and the representative wrote back and summarized I am committing Mortgage Fraud, simply by making a compliant. I requested mortgage verification and XXXX XXXX  XXXX provided verification to a home loan for XXXX XXXX in XXXX XXXX For obvious reasons this can not be considered debt validation for my debt by XXXXXXXX XXXX XXXXXXXX, however they also breached the information security of XXXX XXXX which has been reported to the proper authorities. XXXX XXXX has also failed to record the assignment documentation, required within 90 days of the transfer from Lennar Mortgage LLC to XXXX XXXX  XXXX. 

XXXXXXXX XXXX  XXXX, as well as Lennar Mortgage LLC. have failed to provide the following information : I am doing a post loan audit on Lennar Mortgage. Previously I had asked another person and she referred me to the legal department, however I have sent multiple correspondence to legal and Lennar Mortgage LLC with no luck on response. Please forward this email to the correct department that may be able to assist my audit.

Please describe the process Lennar Mortgage LLC takes to ensure proper paperwork is provided to the borrower at closing?

Describe how Lennar Mortage LLC ensures the notary was present during the signing of the home loan closing documents? Is there evidence of this to be true for my loan closing? 

Describe why I, the applicant of this home loan, was not informed that based on my signature and endorsement of the security instrument ( note ) the funds would be immediately available to Lennar Mortgage LLC? 

Please describe the security instrument transfer and why the beneficiary is XXXX however Lennar Mortgage LLC failed to register the loan with the beneficiary? 

Please provide the properly filed UCC-1 Financial Statement on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX or against I, the borrower. 

Please provide the financial statement which shows Lennar Mortgage LLC was indebted ( debit ) by the amount I paid for the property, upon my signature on the security instrument. 

Please provide the full chain of endorsements on the transfer of this security instrument from Lennar Mortgage LLC to XXXXXXXX XXXX XXXXXXXX, current mortgage servicer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

After reviewing my updated credit report there is some information that I consider to be inaccurate and incomplete that your company is reporting. I am sending this letter to your company to let you know that due to these errors and incomplete information you are reporting I am not able to find a better place for my family due to high mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act - XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. I have sent in documentation of proof several times to the bureaus. 
Experian and XXXX are in violation of the law and my rights. The bureaus are reporting inaccurate information. The bureaus response has been verified and accurate. This deceptive information is affecting my life. I continue to get denied for credit from certain financial institutions and credit companies. 

15 USC 1681 Section 602 A Accuracy and fairness of credit reporting which states I have the right to privacy.

15 USC 1681 Section 604 A ( 2 ) states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681e ( b ) Compliance and procedures Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Mortgage

Had to take a COVID forbearance period in XXXX  for 6 months. At the time of taking it they had stated that at the end of it there was 3 options, pay lump sum to catch up, move payments to end of loan and would be paid back at time of selling, pay off or refinance, or do a complete loan modification. 

When the forbearance ended, they only gave me 2 options, pay lump sum or do a complete loan modification. I asked about the 3rd option and they told me on a recorded line that the VA no longer allows this. I spoke to the VA this mornning XXXX and they told me that, they don't provide guidance on that, so if the mortgage company would do that that they could with no repercussions from the VA. The VA person ( XXXX XXXX ) stated that he has dealt and heard this from many XXXX and gave me this site to help. 

PennyMac sent over the loan modification, it was basically just a refinance not a loan mod as it was to take my current loan at a rate of 2.75 % to a new loan rate of 7.25 %. This increased my mortgage from {$1500.00} to {$2300.00}, almost {$900.00} increase. They lied and took full advantage of me knowing that I didn't have the lump sum. 

Now I am struggling to pay my other bills and take care of my family due to this huge increase of a monthly payment!
Product: Credit reporting or other personal consumer reports

I purchased my car over a year ago in XX/XX/2022. I have tried working on my credit score and innovate loan service has not reported my payments not once in a whole year to the creditors. Therefore all this time my credit has done nothing. They refuse to fix it saying they are reporting when I have called all the Bureaus and there is no account of my car loan at all. They can not do this to people. It wasn't our chose to have this company. Now I'm the one being punished when I pay on time. Something has to be done. They do not let you speak to any one higher up in charge don't give any answers and don't care just taking people 's money. Horrible customer service. This has to be illegal I have read so many reviews now of it happening to so many people with this company
Product: Credit reporting, credit repair services, or other personal consumer reports

my problem is that the XXXX XXXX opened 2 loan accounts in a single car and it is really a single account. This caused that in my credit report 2 loans appear when in fact it is only one.
Product: Debt collection

Under FCRA 15, outdated medical debts should be excluded from credit reports. Furthermore, HIPAA protects unauthorized disclosure of medical information to third parties, including credit bureaus.
Product: Credit reporting or other personal consumer reports

I am requesting again in regards to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have been issued three Direct Express Cards where the deposit has only appeared in XXXX. Deposits should have appeared from XXXX of last year. There are several credit cards missing including a XXXX card, there is a settlement from XXXX XXXX XXXX, there is a social security check from the first of this month. It is my opinion that someone is depositing this money into a cellphone with my information in it. It is a duplicate device and then taking it to someone who can get tbe money out of the device. It is also my opinion ghat they may be transferring the money in others accounts, they then want me to get into someones car while they use my money like im XXXX no one does this. A duplicate device with a persons infromation blocks them from receiving. They are then deposting partial or no payment to my card.
Product: Credit reporting or other personal consumer reports

CFPB PLEASE DO NOT SAY I HAVE SENT THIS IN BEFORE THIS IS A NEW ITEM AS THEY BALANCE AND WHAT IS DUE IS INCORRECT AND I AM HAVING TO RUN CREDIT FOR A NEW HOME LOAN AND IT STILL SHOWS IT OWING A LOT MORE THAN WHAT IS DUE. 

PLEASE ASK THEM TO UPDATE THE CREDIT REPORTS FOR ALL MY CARDS INCLUDING US BANK. IF UNITED COMMUNITY IS SO CUSTOMER FRIENDLY UPDATE THE REPORTS!!! i NEED IT NOW NOT ON THE XXXX OR LATER THANK YOU. 

CFPB PLEASE DO NOT SAY I HAVE SENT THIS IN BEFORE THIS IS A NEW ITEM AS THEY BALANCE AND WHAT IS DUE IS INCORRECT AND I AM HAVING TO RUN CREDIT FOR A NEW HOME LOAN AND IT STILL SHOWS IT OWING A LOT MORE THAN WHAT IS DUE. 

PLEASE ASK THEM TO UPDATE THE CREDIT REPORTS FOR ALL MY CARDS INCLUDING US BANK. IF UNITED COMMUNITY IS SO CUSTOMER FRIENDLY UPDATE THE REPORTS!!! i NEED IT NOW NOT ON THE 29TH OR LATER THANK YOU.
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 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: Vehicle loan or lease

Sent certified dispute letters, original agreement with wet signature, payment history and the title since the vehicle had been charged off
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im  gon na go to court
Product: Mortgage

My first mortgage is with Ocwen Loan Servicing, LLC and my loan number is XXXX. A few months ago, I started paying my mortgage every two weeks to cut out some of the interest on my mortgage. I received a letter on XX/XX/XXXX, which was dated XX/XX/XXXX telling me that my account has been transferred. The letter states that the ownership was transferred to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. They indicate that the ownership has not yet been publicly recorded. I still pay Ocwen with the same information. On the second page, it indicates that partial payments " may hold partial payments in a separate account until the rest of the payment is received, and then apply the full amount to the Account ''. Basically, they are trying to keep me from paying the mortgage every other week or if I do, they are not going to credit the account until payment in full is made.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint specific to all three major bureaus- minor ones ALWAYS INACCURATE and unknown- this Experian who I am working on disputes with before trying to resolve with the others. Example- + email- Sign In to Your Account Sorry, we're unable to process your request right now. Please try again later.

Username forgot username Password forgot password  Remember my username next time
Product: Credit reporting or other personal consumer reports

Hello, These Accounts are STOPING me from ability of getting a new house for my family. 


Account name : XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have to right for 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 ) Sections 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 crime 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: Debt collection

This is my second complain with Rent Recovery Solutions and first complaint with XXXX XXXXl At XXXX in XXXX, GA. On about XX/XX/21 my credit report update with a collections account from Rent Recovery Solutions for XXXXXXXX XXXX at XXXX in XXXX , GA. A few days later I contacted them and advised that this was fraud and requested they retract the credit bureau reporting . I advised their representatives that I already submitted a fraud letter to them and had already had one account removed. They refused and just wanted payment. I then contacted XXXX XXXX at XXXX property manager, XXXX and provided proof of the identity fraud. I asked her to have their collections agency remove the credit reporting. She is delaying and not being helpful with removing me from collections. I have an email chain of communications between me and the property manager attached. I've never lived in Georgia and Rent Recovery Solutions knows this from my previous complaint. I need this removed from my credit asap as it is causing me hardship in ability to obtain the credit standards I should be obtaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did n't properly protect my personal information. This security breach is well known but I want to make it clear that it was extremely inappropriate and preventable. Almost as bad is Equifax 's subsequent handling of the matter from a victim-experience perspective. They changed their domain name for handling the fallout. They broadcasted the wrong name via XXXX to a phishing site. The page that solicits me to try to rectify the problem expects me to agree to terms of service on _a page that does n't work_, so I ca n't read the terms of service. The links to the terms of service are also shady because they link to PHP scripts.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXXBalance Owed XXXX XXXX Date Opened XXXX XXXX Payment Status : Late 150 Days Last Payment : XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX XXXX Date Opened : XXXX Payment Status : Current Last Payment : XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax and spoke with XXXX XXXX. I was treated as a criminal and not a consumer. They treated my call as frivolous. I try to be proactive and get notified when my credit file is being used and I don't feel supported by the credit bureaus. I have a police report number in the letter I attached to this complaint as well as a complete Identity Theft report. The inquiries listed were not authorized by me. I did my due diligence and contacted the creditors directly. They could not validate the information. They could not help me find out who apply by giving an IP address etc. They were not helpful
Product: Credit card or prepaid card

On XX/XX/XXXX to XX/XX/XXXX of 2022, multiple fraudulent transactions were made to my bank of america credit card to total {$3100.00} of charges completed without my consent or knowledge. They were in multiples {$520.00} repeated 5 times, and single charges of {$500.00} and {$11.00}. Claim ID XXXX was submitted on XX/XX/XXXX, but have yet to be resolved by bank of america, the credit card provider. Initially, they rejected the claim stating the purchases matched my spending habit and local area, but could not provide any supporting evidence to back up their claim. These fraudulent charges were made repeatedly even after I canceled the credit card twice with Bank of America. Bank of America refused to share the results of their investigation. These charges were not done by me and the total of {$3100.00} are fraudulent that need to be returned to my credit card account. I was forced to pay this amount to Bank of America unjustly as they threatened the integrity of my personal credit report had I not paid these fraudulent charges to them.
Product: Prepaid card

I have XXXX American Express gift cards one is {$700.00} and the other is {$200.00}. I tried using them online at XXXX  and they were declined. I tried using them at XXXX they got declined. I went to XXXX to buy gift card and the same cards got declined. I called the customer service, they said the cards are active should be working and I should be keep trying on different merchants until somebody accepts the payment. I called XXXX customer support and they said the reason it might be getting declined is the card info doesn't have name and address and asked me to call American express to add that info. I called American Express and they said these are anonymous cards and they can't add name and address. So I am stuck with {$900.00} total gift cards from American Express that I can't use anywhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im disputing that Transunion hasnt responded back to me within 30 days. I mailed my certified letter off XX/XX/XXXX. By law their obligated to respond within 30 days
Product: Credit card or prepaid card

I signed into my account and it stated my card was close. I was not notified at all that my account has been closed and I feel like my rights has been violated. Paypal had no authority to close my credit card and I would like my card to be reopened immediately.
Product: Debt collection

ERC contacted me regarding a debt owed to XXXX credit card by XXXX XXXX. 
The amount was full of fees and other collection charges. We agreed on a amount to settle the account and agreed they would mark the account as closed on my credit. They sent a Written notification and I responded back with a check in the amount and the notification that cashing the check adheres to the agreement to my credit. XXXX cashed the check and then now reported as major derogatory/ charge off. I would have been better off not accepting the offer of full Settlement. ERC, XXXX, and XXXX XXXX have violated the agreement. 
See attached documents
Product: Credit card or prepaid card

On XXXX XXXX, I called B of A to ask them to close my credit card because i viewed a charge to card which i did not authorize the day of the transaction. They complied and went forth and sent me another Credit Card. When i received the new card i put it in a drawer without activation. In XXXX 2022 I received a payment request from B of A for the amount of XXXX and called them. I told the XXXX on the phone what happened and she looked into it. I pointed out the charge was on an account that had been closed and gave her the last XXXX digits of the credit card as listed on paperwork they sent me. She put me on hold then came back on and said they don't know why the charge had been put through and transfered me to someone who gave me this number # XXXX and told me not to worry about it. 
B of A sold all their XXXX accounts to XXXX XXXX  and i received a payment request from them for XXXX and I called them. I explained what happened they said they would look into it. My XXXX XXXX went from XXXX to XXXX and they said they will be charging me interest until they resolve their investigation. 
I just came back from B of A in XXXX XXXX ( XXXX XXXX ) asking them to look into the matter and i gave them the paperwork when they resolved the issue. I told them what has been going on with XXXX XXXX  and she went to make some phone calls. She came back and told me there is nothing they can do since all paperwork that B of A had on me was bought by XXXX XXXX. 
I have tried to resolve this issue, i even contacted the vendor of said product i allegedly purchased. They told me to go to XXXX and ask for refund. That page has been moved because of complaints and when you click on the new site, all it says when it comes up is XXXX. Just XXXX word XXXX.
Product: Checking or savings account

I opened an account on XX/XX/XXXX with Citizens Bank with an offer for a {$400.00} bonus when direct depositing {$1000.00} or more within 60 days of account opening. I made my first direct deposit, of {$1000.00}, on XX/XX/XXXX, well within the 60 days stipulated in the offer. 

Citizens has not paid my bonus, as they stipulated in the offer, which said it would be paid by XX/XX/XXXX. 

This is extremely unfair, and they are charging my account fees as well. 

This is extremely misleading advertising, and they should be charged treble damages for wrongful withholding of property, in addition to the {$400.00} that they owe me.
Product: Credit card

American Express has, for years, not applied payments over and above the minimum payments to my higher APR balances. Numerous attempts to deal with them on this situation ends with form letters sent to me and the complaint closed