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

Subject : Formal Complaint Against Sunrise Credit Services for Failure to Provide Documentation and Fraudulent Account Reporting. 

I am writing to file a formal complaint against Sunrise Credit Services regarding their handling of an account that they have reported as mine. Despite my efforts to seek validation of this account, Sunrise Credit Services has failed to provide me with the necessary documentation. I want to reiterate that this account is not mine and is a result of fraudulent activity. 

On XX/XX/year>, I emailed Sunrise Credit Services requesting documentation to verify the legitimacy of the account in question. However, to date, I have not received any response from Sunrise Credit Services, nor have they provided the requested documentation to validate this debt as mine. 

In addition to their lack of response to my email, Sunrise Credit Services has also failed to comply with several provisions of the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). These violations include : XXXX. Failure to provide accurate and complete information about the account. 

XXXX. Failure to conduct a reasonable investigation after receiving a dispute from a consumer. 

XXXX. Reporting inaccurate information to credit bureaus without verifying the accuracy of the information. 

XXXX. Failure to provide a method for consumers to dispute inaccurate information. 

I am deeply concerned by Sunrise Credit Services ' lack of transparency and their disregard for consumer rights. I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Sunrise Credit Services for their violations of consumer protection laws. 

As a consumer, I have the right to request and receive documentation that substantiates the existence and ownership of any debt being pursued by a collection agency. It is imperative that Sunrise Credit Service complies with this request in a timely manner to ensure fair and lawful treatment in this matter. 

To clarify, all of the following documentation is required to substantiate the legitimacy of the collection account in question : XXXX. A complete account statement detailing the original creditor, the amount owed, and the date of delinquency. 

XXXX. Copies of any contracts or agreements related to the debt with my signature. 

XXXX. Proof of ownership of the debt by Sunrise Credit Service. 

XXXX. Verification that Sunrise Credit Service is licensed to collect debts in my state. 

XXXX. Any other relevant documentation supporting the collection account 's validity. 

If Sunrise Credit Services is unable to provide the necessary documentation to validate this debt as mine, I demand that they immediately delete this account from all credit reporting agencies to which it has been reported. Failure to do so will result in further action being taken to protect my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX # XXXX has violated my rights 15u.s.s 1681 section 602 states I have the right to privacy.15usc 1681 section 604 A section 604 A it also states A Comsumer reporting agency can not furnish account without my consent written instructions..section 605 A 15us 1681 c-1
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my consumers credit report from your bureau and hereby dispute the completeness and accuracy of the following information. This information is injuring my consumer report and I request that you correct this information immediately. I assume XXXX days is a reasonable amount of time for your investigation. After your investigation, please provide me with an updated credit report as well as the names, addresses and telephone numbers of the individuals that have been contacted.. The information I am disputing is as follows : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are many inquiries on my XXXX credit report I do not recognize some from XXXX XXXX, XXXX XXXX, Commenity, and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response to Lending Club 's investigation, why did Lending Club take my money if they had sold the balance to XXXX? LendingClub states that they sold the balance to XXXX on XX/XX/XXXX. Please see their response attached ( Paragraph 5 ) referencing account ending in XXXX. 

I sent two different checks to LendIng Club to pay account XXXX. One check was for {$180.00} which was cashed by Lending Club on XX/XX/XXXX. The second check was for {$500.00} and it was cashed by lending club on XX/XX/XXXX. Please see the attached documents as proof. 

LendingClub cashed my checks that referenced account XXXX, but the account was sold to XXXX a few months prior on XX/XX/XXXX. Is this legal that LendingClub cashed my checks and took my money even though they sold the debt to a 3rd party collection agency??? This is iilegal and I request XXXX to delete their negative reporting on my credit as a sign of making things right. You cashed and took my money.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX , is a victim of Identity theft. These companies ( XXXX, Experian, and XXXX ) utilized /furnished my consumer report without my authorized consent, or written instruction. My personal information was shared, presented and furnihed without my consent. Congress has stated that consumers have the right to privacy. These companies listed above, has violated my federal protected right to privacy. Failure to meet the needs of congress has had a negative impact. The companies listed has not exercised their responsibility to confidentially protect my personal information. The Fair credit Reporting Act was generated to enforce that the consumer reporting agencies provided fairness, and respect to the consumers right to privacy! 
Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, Identity, and statement
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an online account at Chase Bank. I entered the wrong address XXXX XXXX XXXX XXXX XXXX Ohio XXXX. 
My right address is XXXX XXXX XXXX XXXX XXXX Ohio XXXX. 
Now all my mail is getting delivered there. I have since changed my address at the bank but I am still not receiving any mail whatsoever. I submitted a Request to the United States Postal Service on XX/XX/2022 with Case number # XXXX. XXXX XXXX at the XXXX office has contacted me and that she would look at the issue. I have not heard from her since XX/XX/XXXX, at XXXX am.
Product: Credit reporting or other personal consumer reports

I have found several inaccuracies and unauthorized inquiries on my consumer report. I would like each of these inaccurate accounts and inaccurate information to be removed effective immediately, which is my right as a Federally protected consumer under the FCRA. Personal information. Names. Only the name XXXX XXXX XXXX should be present on all my consumer report any variation or misspelling of this name must be removed. XXXX XXXX XXXX XXXX XXXX these names must be removed. Addresses. Only the address XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, MD XXXX Should be present on my consumer report. Any other addresses are in accurate and does not accurately represent me as a consumer I can not be reached nor contacted at any of these addresses. The following addresses must be removed XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX LA XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX XXXX XXXX MO XXXX these address must be removed immediately In the birthdate/year of birth field YEAR OF BIRTH XXXX  this is incorrect and incomplete. I would like this in accurate information removed from all forms of my consumer report. Which is my right under 15 USC 6802. XXXX XXXX this information must be removed from my credit report because it is incorrect. I have never worked at these institutions. I do not know where this information came from. Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is listed as a hard inquiry on my Equifax report it was done on XX/XX/XXXX since then I have been working on getting it removed as it was not authorized by me I sent a letter by XXXX dated XX/XX/XXXX and one from XXXX XXXX with my cover letter where we all asked them to remove it as it is a error XXXX and XXXX have removed- but in two phone calls Equifax is refusing to do so even though we have provided in writing the request they ask for. they placed it on there report and now have been giving the info from all parties to remove a error. this is totally unfair to me as I did nothing wrong they should NOT be allowed to report incorrect info period not fair to the consumer which is me I also have a XXXX card one that should be removed on XX/XX/XXXX as the two years is up thanks XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to each credit bureau with supporting documents that other CRA 's have deleted creditors off my report that were not able to be verified. Please see attached letters to show proof that I made attempts to resolve the matter. XXXX XXXX creditor does not have proof of signature or any documents of my account because I have called multiple times and they can not locate me on the system. XXXX XXXX keeps sending the letter attached repeatedly, after I have asked for verification or what documentation they have on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items found in my credit report. There are several inaccuracies in my credit report that I would like to bring to your attention. 

Firstly, regarding the XXXX inquiry, I would like to inform you that inquiries have reached the statute of limitation, and therefore should be removed from my credit report. 

Secondly, the account number XXXX from XXXX has been charged off, and I am confused as to why it still has a payment history. I request that this account be deleted from my credit report immediately. 

Thirdly, the account number XXXX from XXXX XXXX has questionable information regarding its name and number. I demand that you either clarify this information to me or delete this account from my credit report immediately. 

Fourthly, the account number XXXX from XXXX and account number XXXX from XXXX have both been charged off, yet they still have a payment history. Please delete these accounts from my credit report immediately. 

Fifthly, the account number XXXX from XXXX has been charged off, and I am confused as to why it still has a payment history. I request that this account be deleted from my credit report immediately. 

Sixthly, the account number XXXX from XXXX XXXXXXXX XXXX  is unfamiliar to me, and I demand that you remove this frivolous account from my credit report immediately. 

Seventhly, the account number XXXX XXXX XXXX has been verified by you, yet the other bureaus have not been able to do so, and they have removed it. I demand that you delete this inaccurate account from my credit report immediately. 

Lastly, the account numbers XXXX and XXXX from XXXX XXXX XXXX  are unfamiliar to me, and I demand that you remove these frivolous accounts from my credit report immediately. 

Furthermore, the inquiries from account numbers XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX have all reached the statute of limitation and should be removed from my credit report. 

I kindly request that you investigate these inaccuracies and take appropriate action to correct them. Thank you for your attention to this matter. 

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

These items on my credit report are from unauthorized use of my social security number and card. I did not authorize these accounts and inquires to be taken out in my name nor do they relate to anything I did as I am unaware of any of this. I have attempted to contact the reporting agencies in multiple attempts with no success of having these items removed. These inquires are hindering me from obtaining a substantial credit scXXXX required to purchase a home. 

XXXX : Factual Data - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Experian : Factual Data XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 Experian XXXX XXXX XX/XX/2021 XXXX : XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2021 Factual Data XX/XX/2021
Product: Credit reporting or other personal consumer reports

I am writing to address the lack of response to my previous notice, dated XX/XX/year>, regarding the request for a copy of the 1099-C filed for the charged-off debt. XXXX  XXXX XXXX failure to provide a response leaves me no choice but to assume that you have neglected to comply with FEDERAL law by not filing a 1099-C as mandated. Consequently, I am compelled to inform you that I will reporXXXX XXXX XXXX  XXXX to the IRS for potential tax fraud using Form 3949-A if prompt action is not taken. 

Furthermore, it is imperative that you notify XXXX, XXXX, and Equifax to delete this information from my credit report immediately. The account in question is detailed as follows : XXXX XXXX XXXX As per IRS regulations, a canceled debt of {$600.00} or more necessitates the filing of a 1099-C form by federal or government agencies, or applicable financial entities. Failure to comply with this requirement constitutes tax fraud, a serious offense that I will not hesitate to report to the IRS.

It is essential to understand that a canceled debt is considered ordinary income by the IRS. Consequently, any failure to file a 1099-C form, or any attempt to conceal such actions, constitutes inaccurate reporting. Income is not to be included on a credit report, and any such inclusion violates consumer laws and regulations. 

Your company 's actions are in clear violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681s-2, which outlines the responsibilities of furnishers of information to consumer reporting agencies. Under this statute, it is prohibited to furnish inaccurate information knowingly or with reasonable cause to believe it is inaccurate.

It is evident from my previous communication and this notice that there is reasonable cause to believe the information provided is inaccurate. Therefore, it is imperative that you take immediate steps to rectify this situation by deleting the inaccurate information from all consumer reporting agencies.

Failure to comply will result in legal action being pursued, including holding the Creditor XXXX  XXXX XXXX, accountable for willful noncompliance under 15 USC 1681n ( a ) ( 1 ) ( A ). This statute stipulates that any person who willfully fails to comply with FCRA requirements may be liable for damages sustained by the consumer.

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. 

I am currently in the process of securing housing, and the inaccurate information on my credit report is hindering my progress. I urge you to act swiftly and cease reporting this item to avoid further complications. Kindly delete this off my report immediately.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity Theft due to the Equifax and XXXX  data breaches. After recently reviewing a copy of my credit report, there are accounts and inquiries on my report that I do NOT recognize. Please delete them immediately. Thank you. 
Accounts : XXXX XXXX XXXX # : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX 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 Hard Inquires : XXXX XXXX XXXX : XX/XX/year>
Product: Vehicle loan or lease

I purchased my car through HSBG XXXX XXXX XXXX for {$19000.00}. I am trying to obtain the title on my car that has been paid off for 10 years. The loan was in XXXX for a 6 year loan. I am trying to obtain the title but ADOT in Arizona states there is a lien by mentioned company. I understand that the business does not exist anymore. I have tried for hours to find out who is holding the title to no success.
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 confidently under 15 USC 1681. XXXX XXXX XXXX XXXX portfolio recovery XXXX last XXXX of the account number XXXX amount {$690.00}, date XX/XX/XXXX current balance {$690.00}. XXXX credit management last XXXX of account number XXXX amount {$960.00}, date XX/XX/XXXX. Original lender : XXXX XXXXXXXX. agency name XXXX XXXX date XX/XX/XXXX. Original balance XXXXcurrent balance XXXX 15 U.S c 1681 section 602 A state I have the right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was breached and I believe I could be a victim of their incompetence as an organization. I, along with millions of other Americans should not have to deal with the repercussions of this companies mistake. I have applied to XXXX to try to see if there was some option as to locking my credit. Luckily there was and I proceeded to do that.
Product: Bank account or service

My elderly mother and I went to a Wells Fargo Branch in XXXX XXXX, XXXX where my mom has an checking account. My mom asked to add me onto her checking account so that I could pay her bills while she is receiving medical care. The gentleman asked name, address, ssn, date of birth and place of employment? I answered all questions thinking this was for adding me to the account even though I was puzzelled by employment question. The rep never said what he was collecting the info for? He returned to inform my mom and I " that my credit would not allow me to be added to her account! '' My mom was very upset over the news. I asked the rep " did you run a credit report '' inwhich he replied " no I did n't ''. A week later I received a note from XXXX that Wells Fargo had run a credit request! Should n't I have needed to sign an consent to release my credit report to Wells Fargo and should n't the rep have only released that information to me?
Product: Credit card

this is my second inquiry. I have been with us bank many years. I want the XXXX credited to my account permanently. I had no hot water in the hotel room and will not pay it. I have called XXXX etc. to get it off and report hotel. I am not accepting that it may be billed back to me. please credit the account. any other bank would have already
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in late XXXX I applied for a loan. I knew that I had placed a freeze due to Equifaxs security breach. I attempted to remove mine and my wifes freeze in order to obtain the loan but needed a security pin to do so. A pin I never received. I have requested for the pin 3 times. Two via phone and one in writing, but yet they still do not know where my wifes or my pin is, and can not unlock my report so I can get a loan. It is now mid XXXX and still no Pin. THEY ARE PUTTING A FREEZE ON MY LIFE.
Product: Mortgage

I reached out to New American Funding on this problem. The Representative XXXX XXXXXXXX XXXX my signature on a XXXX  transfer form. I never signed a form nor gave him permission to sign on my behalf. This is fraudulent behavior. Now this lender has my personal information and may share it with my personal consent. This happened on XX/XX/23. I have a recording of him admitting he purposely falsified a document and I have the document.
Product: Credit reporting or other personal consumer reports

Equifax has reported inaccurate information and harmful information on my credit report, which has resulted in financial damages, emotional distress, and unnecessary hardship. I've made several attempts to resolve the inaccuracies on my credit report since XXXX. This complaint serves as a notice of dispute and a demand for immediate correction and compensation under the Fair Credit Reporting Act ( FCRA ). Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), Equifax must ensure credit report accuracy and investigate disputes properly and failed to do so. Improper investigations on Equifax failed to investigate consumer disputes properly, including ignoring evidence and reinserting deleted inaccuracies. Inaccurate credit scores Equifax provided inaccurate credit scores due to coding errors and other issues Failure to block identity theft Equifax failed to block information that resulted from identity theft Unfair acts and practices Equifax engaged in unfair acts and practices, such as using ineffective systems to resolve disputes.
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 XXXX 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 XXXX 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 XXXX XXXXXXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card

This account was paid in full per an agreement with you and therefore, should not have been written off. I never received a 1099c to claim it as income on my taxes. You are reporting inaccurate information to the credit agencies. I request this account be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Equifax is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX  XXXX XXXX Balance : {$0.00}