23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have multiple complaints against Sunrise Credit Services , Inc . 
The first violation is that I never received the initial demand letter from the company to explain my rights under the FDCPA. They claimed that they emailed this to me within the 5 days of first phone contact but there have been court rulings stating that this is not a reliable method of delivery for initial demand letters. 
The second violation was reaching out to my phone after i specifically asked the collector to limit all communication to writing unless I prompted the contact. A week after I requested this I received a phone call from the company and when a rep answered the phone they hung up immediately. 
The third violation is of the TCPA. I never gave express consent to be contacted by an automated dialer and both times that the company reached out to me they did so by using an automated dialer.
Product: Credit card

I rented a car from XXXXXXXX XXXX XXXX XXXX  at XXXX XXXX from XXXX XXXX. During this time Hurricane Milton formed and started to head towards the XXXX area. 

On Monday, XX/XX/XXXX at approximately XXXX, the day before I was supposed to return the car and leave on a flight, it was announced that the XXXX Airport was closing the following day, the XXXX in order to evacuate everyone from the area. 

I immediately called XXXXXXXX XXXX XXXX XXXX and asked them what I should do with their car. They told me they didn't know and that I should call back. I called back at approximately XXXX on the XXXX and their office was closed. I never heard anything back from XXXX after that. 

I made the emergency decision to drive the car to the XXXX airport because XXXX has an office there, and take a flight from there. When arriving at XXXX airport, I was informed that I would be charged an extra {$230.00} in fees because I didn't return the car to XXXX, even though I couldn't. O returned the car within the original rental time frame. 

I tried to resolve this dispute directly with XXXX, but got absolutely no response from them. My credit card company Chase has sided with XXXX, they say the charges are legitimate. But I never received directions from XXXX on what to do with the car during the evacuation. They didn't help or assist me at all either during the evacuation or after. 

It seems that XXXX XXXX XXXX XXXX used me as way to get their car out of the storm impact area, all the while being completely hands-off and charging me for the whole process in the end.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I went to look at my checking accounts on my banks ( USAA ) website. I was unable to login and received a message to call the fraud department. When I called the number provided on the message, I was informed that I was speaking with the fraud department and my account had been compromised. I was told I needed to allow USAA to wire the funds ( {$18000.00} ) to another account. The person had all of my personal information. While I was speaking to the person I thought was USAA i received a text asking if I authorized a wire and to call them. I did NOT respond to the text with a yes, but instead called USAA to which I found out I was the victim of a scam/fraud. I was initially told that a request was sent to the fraud department for investigation to get the money returned. I was told it would take 2-5 business days to complete. I have called and followed up multiple times and continue to get the run around. I ask to speak a supervisor and I cant get one on the line. Each customer rep tells me that they dont see notes about my fraud case. It is now XX/XX/XXXX and nothing has been resolved nor have I received correspondence/communication from USAA on the matter.
Product: Debt collection

SOMETIME ON XX/XX/2015 SOMEONE OPENED AN ACCOUNT FROM JPMCB CARD SERVICES. IM NOT SURE ABOUT HOW MUCH BECAUSE I WAS A VICTIM OF IDENTITY THEFT.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me.

All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 

In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INQUIRIES from my credit report. 


Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Transunion According to XXXX XXXX Transunion XXXX, Transunion is suppose to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws ; 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. Delete PUBLIC RECORD ACCOUNT.
Product: Debt collection

I am submitting this complaint regarding violations of the Fair Debt Collection Practices Act ( FDCPA ) by the Law Office of Brett M. Borland, P.C., XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. Specifically, these entities have engaged in practices that contravene 15 U.S.C. 1692e, which prohibits the use of false, deceptive, or misleading representations in the collection of any debt. 

Account Details : Creditor : XXXX XXXX XXXX XXXX Balance Reported : {$980.00} originality ( as of XX/XX/year> ) Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX 
Verification Entity : Law Office of Brett M. Borland , P.C . 
Summary of the Issue : The debt referenced above has been verified multiple times since XX/XX/year>, as having a balance of {$980.00}. then lowered to {$250.00} However, upon reviewing the documents, I discovered clear evidence of falsification and forgery. Specifically : Falsified Move-Out Statement : The statement provided was altered to include the note, " only charging for cleaning and carpet {$250.00}, '' along with " Balance {$250.00}. '' Critical original informationsuch as Chg/Rec XXXX and Balance $ XXXXwas crossed out. 
Forged Apartment Rental Contract : The purported contract does not bear the authentic signatures of myself or my co-applicant, nor does it include the signatures of the management company or its representative. This is not the original contract we signed, and the discrepancies render the document invalid. 
I sent a notarized letter ( attached ) via certified mail disputing these inaccuracies and providing a detailed breakdown of the discrepancies. Despite the clear evidence presented, the companies have failed to respond or provide legitimate documentation to refute my claims. 

Violations : The actions of these entities constitute violations of the following FDCPA provisions : 15 U.S.C. 1692e : Prohibition of false, deceptive, or misleading representations in the collection of any debt, including the submission of falsified or altered documents. 
15 U.S.C. 1681s-2 ( b ) : Duty to investigate disputes and correct inaccurate information, which these entities have failed to uphold. 
Resolution Sought : I request the following remedies : A thorough investigation into the actions of the Law Office of Brett M. Borland, P.C., XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX regarding their use of falsified documents in this debt collection effort. 
Immediate correction of inaccuracies reported to the credit bureaus and removal of the associated tradeline from my credit reports. 
Confirmation that all future collection efforts cease unless legitimate, original, and unaltered documentation is provided. 
Any other appropriate penalties or remedies for the violations identified. 
Attached to this complaint are : A copy of my detailed dispute letter. 
Certified mail tracking confirmations. 
Copies of the falsified documents provided by the entities in question. 
I trust the CFPB will promptly address these serious violations of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company reported charge off on credit report. I was never late on the account I tried numerous times to pay account off with representatives on the phone but they kept refusing my payment on the phone kept getting runarounds.Did not know the account was on credit report.The company does not have working phone number district manager was was confused with the corporate office why they were refusing my payment.This needs to be removed from all 3 bureaus because account was never in collections I was actually paid a ahead.Ref
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Wayfair and Wayfair credit card has not fixed this issue. I had a {$200.00} store credit or gift card from Wayfair credit benefits and now its gone. Im requesting to get it back so I can use it properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX XXXX on XX/XX/2019 for auto purchase and explored options for Auto Loan. They asked me to give my social security number for best rate, which I gave ( and any normal person will also give ). 

Between XX/XX/XXXX ( Friday ) and XX/XX/XXXX ( Monday ), I recieved 11 hard enquiries on my credit report by banks. Moreover there multiple banks ( Citizens Bank, XXXX XXXX XXXX ) who made multiple hard enquiries for same reason within span of 1 working day. 

My whole credit history was screwed up by them. 

I spoke to Citizens Bank, they refused to me to remove any enquiry ( though both were made within 1 business day ) and asked me to speak to XXXX. 

I further called up XXXX and they informed that XXXX  XXXX can make even hundreds of enquiry on any bank multiple times and there is no obligation to stop them. I have recordings of my conversation and can provide them to authorities if required. 

I feel I have been badly deceived by Citizens Bank, XXXX XXXX XXXX ( for multiple enquiries for same reason ), XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX and XXXX ( for making hard enquiries with explicit approval from me ) and XXXX for not hiding wrong doing by them and not removing incorrect, duplicate and unknown hard enquiries ).
Product: Credit reporting, credit repair services, or other personal consumer reports

If im calling care credit about the account number they said they can not find it but it hurting my XXXX XXXX. i want my information so i can make any action to fix it and .i have some issue i want to be honest yes i co sign this person in my care cedit but i wander why this company aproved base in my information this person using ng wrong XXXX. i find out this when im asking why he dont me he said he is fine because his XXXX is fake. why this company aprove. i hope you can help me about this a i can give you more information
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2020 over XXXX dollars was takennout of my acxount I called the government benefits card to report a unauthorized action as soon as it happen for them to close my account. Been waiting for my replacement card since XX/XX/2020 one person told me that yes my card was deactivated but that I never asked to send a replacement, I asked for the to send a replacement they transferred me the second person told me I never deactivated my card so why one person tell I did deactivated my card and the other said I never deactivated my card
Product: Credit reporting, credit repair services, or other personal consumer reports

I got many inquiries from unknown company to how up on my credit report and I would like them to be deleted asap! 

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

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The sent letter to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX  Date of inquiry : XX/XX/XXXX ; XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX  Account Number : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMEX is reporting a 30 day on XX/XX/19 & XX/XX/19 on my credit report. I was never late. I have had an account with them for a very long time and I don't recall getting a statement the months that they are claiming I was late. I have paid the same way every time over the phone. The representative kept saying a PIN was required and then stated that my payment went through.
Product: Credit reporting, credit repair services, or other personal consumer reports

bill is paid need to be removed from credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a XXXX dispute letter addressing the fraudulent information that was reporting on credit report and its been well over 30 days and I havent gotten any response from the creditor. They are not abiding by the law because the fraudulent information was not verified within the time frame allotted by the law so therefore should be deleted off my credit report.
Product: Credit card

To whom it may concern.. 

My complaint is both with American Express and a merchant called XXXX. 

Situation : On XX/XX/XXXX I booked a flight on a website called eDreams with XXXX airlines. The flight was scheduled to take off on XX/XX/XXXX from XXXX to XXXX. On XX/XX/XXXX, my XXXX  and I showed up at the proper airport to board our flight and the airlines said they had no record of our tickets and the confirmation that XXXX sent us was not in their system. The airlines checked the records with our names/passports and said there is no record of any flight. 

I reached out to XXXX for a refund stating the issue and XXXX said that it was a valid charge since they sent a confirmation email. When we asked them to give us a record of the ticket, they could not produce it and requested us to ask for a refund from the airline. We've reached out to the airline and they don't have any record of our ticket so they aren't able to provide a refund for a ticket that was never issued. 

I disputed this charge with American Express 3 times with no resolution. The first denial came when they said XXXX provided a confirmation of the purchase. I re-disputed the charge and American Express agreed that they would cancel the charge if they could find a copy of the ticket. They just responded to deny the dispute with the reasoning that they had found a copy of the ticket. However, the copy of the ticket was for a flight that I purchased directly with the airlines on XX/XX/XXXX. 

American Express nor XXXX can provide a copy of the ticket and I have proof from the airlines that there is no record of my ticket. Yet, both American Express and XXXX state that this is a vaild charge.
Product: Credit reporting or other personal consumer reports

In accordance to fair credit reporting act this creditor has violated my rights under accordance with 15USC 168 section 602 states I have the right to privacy. 15USC 1681 section 604A section 2 also states the consumer protection agency can not furnish a account without my written instruction. Under 15USC-1666B a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Debt collection

15 U.S. Code 1692a - Definitions As used in this subchapter ( 2 ) The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. Thank u Credit acceptance for stating in the response you sent through the CFPB on XX/XX/2022 that you halt ( cease ) all written collection efforts and telephone communications with me the consumer thank you again for providing me with evidence Credit acceptance you still in violation of federal law pursuant to 15 USC 1692a ( 2 ) Congress stated using any medium the three major credit bureaus are used as medium for communication so you are still in violation of the fair debt collection practices act you are still in communication with me through the three major credit bureaus pursuant to 15 USC 1681a ( d ) ( 1 ) consumer report is use for Communication remove this account from all three major credit bureaus immediately if not I will send my evidence and a Affidavit of Truth to you and to the MichiganDepartment ofAttorney General : Consumer Protection XXXX XXXX XXXX XXXX, MI XXXXand to the Consumer Financial Protection Bureau and to the FTC and to the Office of the Comptroller of the Currency and will bring lawful actions against your corporation for your nonfeasance act and defamation of character with a invoice. I will consult with my legal counsel for suit if need it. I will hold u liable to pursuant to 15 U.S. Code 1692k - Civil liability ( a ) AMOUNT OF DAMAGES Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or ( B ) in the case of a class action, ( i ) such amount for each named plaintiff as could be recovered under subparagraph ( A ), and ( ii ) such amount as the court may allow for all other class members, without regard to a minimum individual recovery, not to exceed the lesser of {$500000.00} or 1 per centum of the net worth of the debt collector ; and ( 3 ) in the case of any successful action to enforce the foregoing liability, the costs of the action, together with a reasonable attorneys fee as determined by the court. On a finding by the court that an action under this section was brought in bad faith and for the purpose of harassment, the court may award to the defendant attorneys fees reasonable in relation to the work expended and costs
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. This dispute is submitted under the Fair Credit Reporting Act, ( FCRA ), 15 U.S.C 1681i, which requires credit reporting agencies to conduct a reasonable reinvestigation of disputed items. 
Recent findings by the Consumer Financial Protection Bureau ( CFPB ) have brought to light significant concerns regarding XXXX failure to conduct proper investigations. Specifically, in a lawsuit filed against Equifax, the CFPB alleges the company engaged in sham investigations, violating consumer protection laws by failing to meet its obligations under the FCRA. 
As per 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), Equifax is required to conduct a thorough and reasonable reinvestigation of disputed items within 30 days. Furthermore, under 15 U.S.C. 1681i ( a ) ( 5 ), any information found to be inaccurate incomplete, or unverifiable must be properly deleted or corrected. Failure to adhere to these requirements constitutes a violation of federal law.

I hereby request that Equifax : 1. Conduct a thorough reinvestigation of the following disputed accounts or items. 

Name Account Number Amount XXXX XXXX  XXXX Late Payments XXXX XXXX XXXX XXXX Late Payments XXXX XXXXXXXX {$3100.00} XXXX XXXX {$1300.00} XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX {$23000.00} XXXX XXXX {$7000.00} XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$42000.00} XXXX XXXX XXXX XXXX XXXX Provide me with all documentation used to verify the accuracy of the disputed information. 

XXXX. Delete all information that can not validated or is inaccurate, as mandated by law Given the recent CFPB findings, I expect Equifax to handle this dispute with the utmost seriousness and compliance legal standards. A copy of my identification is attached to this letter. 
If Equifax fails to comply with its obligations under the FCRA, this dispute will be sent to the CFPB and pursue any necessary legal actions to protect my rights. 
Please respond to this dispute in writing within 30 days or sooner. I expect written confirmation of any changes to my credit file immediately. 

Sincerely, XXXX XXXX