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

In accordance with the Fair Credit Reporting Act ( FCRA ) this creditor has violated my rights for this account : XXXX XXXX XXXX XX/XX/2011 Experian and XXXX claims 3 late payments while XXXX does not. 
This inaccurate information must be deleted immediately. 

Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15 U.S.C 1666B ] A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the credit reporting agencies didn't make sure it was reporting XXXX XXXX correct. 

In accordance with the Fair Credit Reporting Act, everything has to be XXXX XXXX accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681 ( 5 ) these accounts are in violation of not reporting XXXX XXXX accurate.
Product: Money transfer, virtual currency, or money service

I received a deposit of {$6200.00} from unemployment on Tuesday at XXXX XXXX. Everything was fine that day. The next day which would be Wednesday around XXXX XXXX I sent {$5500.00} to my girlfriends cash app because she has a bank and I wanted the cash. After her receiving the money she notified me that it would be {$90.00} to instantly deposit to her bank so I changed my mind and she immediately sent it back. I dont know if it caused a red flag after that, but I was able to withdraw {$800.00} from a XXXX XXXX atm around XXXX XXXX  ( Wednesday ). And thats when my account got locked. I knew it was a daily withdraw limit but Ive been using the app long enough to know that you can still spend money online. Everything getting declined saying for my protection. Ive emailed multiple times and also created a XXXX account so I can XXXX them my problems. After about 2 days I reported my cash card missing thinking maybe if I get a new card Ill be able to access my funds but it wont even let me order a new card. Cant spend money cant send money cant transfer to a bank I just want it off of cash app because they had no apparent reason to freeze my account. Ive been hearing a lot of people having the same problem and my thing is I already sent and spent money why cant I access the rest? Ive had someone send me {$1.00} to see if I can receive money and I can. But when I try to send the {$1.00} back it says I dont have enough cash Still havent heard from anyone from cash app and Ive been hearing that they close accounts and people lose their money and arent able to get it back. Please help, I need my money to pay bills. I have unemployment I havent been able to work, I finally get paid the money I need to survive during this pandemic and cash app freezes my whole account, not allowing me to do anything with my money I am very frustrated because no one is helping me solve my issue they wont unfreeze my account and its been over 72 hours..
Product: Credit card

Fraudulent website made multiple charges over 7 months of time as a recurring bill. 
Account holders did not recognize or approve these purchases. Website looks fraudulent. Citi Card investigated but said they were not fraudulent with is FALSE. We have never disputed a charge in the XXXX years we have been customers of Citi XXXX 


- XX/XX/XXXX 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 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: Debt collection

This is an escalation of a previous CFPB complaint regarding a collection account reported by Orion Management, allegedly owed to XXXX XXXX. Orion continues to report a false date opened ( 2022 ) and has failed to provide any itemized validation of the debt. Additionally, the only documentation they have produced a rental agreement references an address that has now been removed from my XXXX credit report after a successful dispute. This undermines the validity of their documentation and the legitimacy of the debt itself. 

Details : 1. I do not recognize this debt and have never received any itemization or explanation of what it is for. Orion has not provided a breakdown of charges, a statement of account, or any documentation showing what specific services, products, or contractual obligation this alleged debt is tied to.

2. The date opened ( 2022 ) is inaccurate and misleading. It misrepresents the actual age of the account and artificially inflates its impact on my credit profile. Orion has refused to correct this, despite clear and ongoing disputes.

3. The only document they have submitted is a rental agreement that includes an address that is not mine. I recently disputed this address with XXXX, and it has since been removed from my credit report confirming it does not belong to me and was reported in error. The removal of this address discredits the rental agreement Orion is using as their primary evidence. 
4. Orion continues to assert that their reporting is accurate, while providing no verifiable documentation and relying solely on a now-invalidated address. They have repeatedly attempted to place the burden of proof on me, despite offering no legally sufficient validation themselves. 

Attachments : Screenshot of the rental agreement provided by Orion showing the disputed address Screenshot of the XXXX dispute results, confirming the removal of the address from my credit report Requested Action : I am requesting that the CFPB : Require Orion to provide full itemized validation of this debt, including a detailed breakdown and legal substantiation. 
Require Orion to explain and justify the date opened they are reporting. 
Direct Orion to cease reporting this account if they can not fully validate its accuracy and legitimacy under FCRA and FDCPA standards. 
Acknowledge that the address in their documentation has been removed by XXXX and can no longer be used as a basis for collection or credit reporting. 

If Orion continues to report inaccurate, unverified information, I am prepared to seek legal remedies for continued violations of my consumer rights.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXXXXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

Complaint to CFPB XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/year> Subject : Complaint Against Source Receivables Management To Whom It May Concern, I am writing to formally file a complaint against Source Receivables Management, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX, regarding an erroneous debt collection related to a T-Mobile account. I believe the debt in question is being wrongfully pursued, and I am seeking your assistance in resolving this matter. 

Background Information : I initially signed up for XXXX 's home internet service, which included a 15-day free trial period. The service never worked properly at my residence, and I attempted to cancel it within the trial period. Unfortunately, each time I contacted T-Mobile to cancel, the customer service agents would ask for a PIN that I had never created. Despite trying to use alternatives like the last four digits of my Social Security number, my ZIP code, and parts of my home address, nothing worked.

The agents repeatedly refused to proceed without this unknown PIN, preventing me from canceling the service. After dealing with this issue for over a week, I decided to return the modem and other equipment by mail, assuming that the account would be closed and that I wouldnt owe anything further. 

Problem : Despite my efforts, Source Receivables Management is now reporting a {$210.00} debt on my credit report for the XXXX account, which I believe is inaccurate. I never received services, and I canceled within the trial period. This debt is now damaging my credit, and I have already disputed the charge with the collection agency, requesting validation, but the issue has not been resolved. 

Request : I am seeking your assistance in investigating this situation and helping me resolve the erroneous debt on my credit report. I request that Source Receivables Management cease all collection activity related to this account and remove the negative mark from my credit report. 

I appreciate your time and attention to this matter, and I look forward to a prompt resolution. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX : XXXX | P : ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance : {$380.00} XXXX XXXX XXXX Balance : {$330.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX tax lien is incorrect. 

I have attached a screenshot from XXXX XXXX XXXX XXXXXXXX that states I do not have an outstanding lien. 

I have sent several letter to XXXX XXXXx and Experian Credit Bureaus. Stating that this XXXX XXXX is incorrect. 



XXXX XXXX Experian
Product: Prepaid card

There was an unauthorized charge on my vanilla gift card. 

purchase date : XX/XX/2024 Amount : {$100.00}
Product: Credit reporting or other personal consumer reports

Reporting information on a consumer 's credit report without their consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report because privacy rights have been violated. I am demanding the company block and remove the accounts from my consumer report no later than 4 business days after such information I've provided ACCOUNTS : XXXX ( {$530.00} ) XX/XX/XXXX, XXXX ( {$990.00} ) XX/XX/XXXX 2023
Product: Checking or savings account

I recently had my Fifth Third bank account close in XXXX XXXX XXXX, they said it was due to suspicious activity. And when I asked for the information as such, they said they couldn't provide it to me because it was secured information. When my accounts were closed, they were at a XXXX balance. Now they are saying that I owe them {$250.00}! From where what is I want to know, and I have yet to receive an answer and now it is showing up on my banking reports as a bad account and XXXX it removed and cleared. I have reached out to them numerous times without a clear answer, and I just need this to be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX # XXXX. has violated my rights 15 u.s.c 1681 602A states I have the right to privacy.

15 u.s.c 1681 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

I am writing to formally dispute the reporting on my credit account, which inaccurately alleges non-compliance with 15 USC 1692 ( g ) under the Fair Credit Reporting Act ( FCRA ). It has come to my attention that your account 's reporting contains misleading information that fails to adhere to the guidelines outlined by the FCRA, specifically in relation to the aforementioned statute.

According to the FCRA, disputed items that can not be supported by evidence should not be included on a consumer 's credit report. Given the lack of substantiating evidence for the reported non-compliance with 15 USC 1692 ( g ), I request that this disputed item be removed from my credit report immediately.As a consumer, I am entitled to fair and accurate reporting of my credit information, in accordance with the provisions of the FCRA. 
It is imperative that your account upholds these standards and ensures that all reported information is substantiated and compliant with the law. 

HOW CAN YOU ACCEPT MY LETTERS, WITH THE GREEN RETURN RECEIPT TO PROVE SO, AND NOT NOTIFY ANYTHING TO THE CREDIT REPORTING AGENCIES OF WHAT I HAVE SAID, AND NOT PROVIDE ANYTHING BACKING YOUR RECKLESS CLAIMS AND DECISIONS. YOU CLAIM THAT YOU HAVE GIVEN ME A LOAN HOWEVER I APPLIED FOR CREDIT, AND SUBMITTED A CONSUMER CREDIT TRANSACTION SO WHOS CREDIT DID YOU GIVE ME?. YOU CLAIM THAT YOU HAVE GIVEN ME A CREDIT CARD BUT THAT IS INDEED MISLEADING AND DECEPTIVE AS ( EXPLAINED BEFORE IN PREVIOUS LETTERS ) THAT A CREDIT CARD IS NOT SOMETHING YOU ISSUE YOURSELF. WE ARE BOTH AWARE OF THE DEBENTURES BEING UTILIZED, WHICH CREATES THE FANTASY YOU SO HOPE FOR PEOPLE LIKE ME TO BELIEVE IN YOU ACTUALLY GIVING XXXX MONEY OR A LOAN. HOWEVER, YOU CAN NOT LEND CREDIT WHICH IS WHAT THIS TRANSACTION CONSISTED OF, A CONSUMER CREDIT TRANSACTION. PLEASE UNDERSTAND THAT IT HAS TOOK ME QUITE SOME TIME TO OVERSTAND YOUR MISCHIEVOUS WAYS AND THE NUMBER OF TIMES I HAVE BEEN VIOLATED WITHOUT SEEKING COMPENSATION OR REPARATIONS. MY TIME IS RUNNING OUT AS I DO NOT HAVE AN INFINITE AMOUNT OF YEARS LEFT BUT I HAVE TO SPEND TIME KNOWING SUCH THINGS. 

I kindly request that you conduct a thorough review of the reported item and provide documentation supporting its accuracy. Failure to do so may result in further action to rectify this matter. 
Thank you for your prompt attention to this dispute. I trust that you will take the necessary steps to address this issue and provide a resolution in a timely manner. 

Sincerely, XXXX XXXX
Product: Credit card

I filed a complaint via CFPB against American Express of wrongdoing.

American Express sent me correspondence stating a credit was issued but it never was. I tried the rectify the issue multiple times with their customer service representatives to no avail. I reached out to CFPB which triggered an internal AMEX investigation. Whereby, I suspect, it was discovered that my assertions were accurate. As the credit has been correctly issued since then. Kindly refer to the correspondence sent to me by American Express.

Which brings me to today. AMEX limited 2 of my several cards with them. I suspect a repercussion of challenging their billing and credit mishaps.

I am attaching correspondence of their wrongdoing. And correspondence received ( 2 accounts in 24 hours ) limiting 2 of my cards.
Product: Debt collection

There is a Fraudulent XXXX/ XXXX account currently reporting on all three on my credit reports. This account was opened fraudulent where not opened by me. I have attempted to dispute these account off my credit report but they can not be disputed off. Ive also attached my FTC report to this dispute. 

The Account number on my credit report is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is fraudulent activity appearing on my credit report. Address listed of " XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX '' should not be associated with me. Loan opened XX/XX/22 with Self/XXXX XXXX for {$520.00} is fraudulent.
Product: Credit reporting or other personal consumer reports

I reached out to XXXX XXXX multiple times in XXXX and XX/XX/XXXX regarding an unauthorized account on my credit report. The account, which was supposedly closed and opened in XXXX, was causing significant issues. Despite my repeated attempts to locate and resolve the issue, XXXX XXXX was unable to find the account or associate it with me. They informed me that they couldnt take any action since they didnt see the account on my credit profile. 

Undeterred, I contacted the credit bureau multiple times, hoping to resolve the matter. However, on XX/XX/XXXX, I decided to escalate the issue by calling XXXX XXXX again. I provided them with the account number I had received from my transition and refused to end the call until I spoke with someone directly about the matter. 

XXXX XXXX acknowledged my concerns and assured me that they would escalate the issue to a higher department. A few days later, I received a call back from the same department. They confirmed that they had located the account, despite its supposed closure. However, they stated that they couldnt find any association between the account and my existing credit profile. 

The department offered to remove the account from my credit report within a couple of days, but unfortunately, this never happened. I continued to call XXXX XXXX numerous times, but they consistently reiterated that they couldnt take any action since they couldnt find any connection between the account and my information. Despite this, the account continued to appear on my credit report, causing me significant distress and inconvenience.
Product: Credit reporting or other personal consumer reports

In XX/XX/XXXX, I was offered a business credit card for my XXXX, with a {$25000.00} limit. Upon using the card in early XXXX, I noticed a major increase in credit utilization and a drastic drop in my personal credit score, from XXXX to the XXXX. 

Furious, I contacted XXXX XXXX to inquire why this business credit card was being reported on my personal credit report. I was not a personal guarantor for this account, and as such, it should not appear on my personal credit file. Despite my efforts to resolve the matter, no corrective action has been taken as of XX/XX/XXXX. 

This error has severely damaged my business as a real estate investor, preventing me from making new property purchases and forcing me to accept higher interest rates. 

Under the Fair Credit Reporting Act ( FCRA ), business accounts should not impact personal credit unless specific terms, such as personal guarantees, apply. I request the immediate removal of this account from my personal credit report, as it is negatively affecting my personal and business financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 chase card inqury that I did not authorize XX/XX/2018 chase card inqury that I did not authorize XXXX  XX/XX/2018 and XX/XX/2018 I have never heard of this company and did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed several inaccuracies on my credit profile.
Product: Credit card

On XX/XX/XXXX, I received a letter in a XXXX format via Synchrony Banks secure message service informing me that they were closing my Sams Club credit account supposedly for the following reasons : Lack Of Real Estate Secured Loan Information Balances On Accounts Too High Compared To Credit Limits And Loan Amounts Too Few Accounts Paid As Agreed Balances On Bankcards Are Too High Compared With Credit Limits However, none of those things were relevant to me at the time. One of the specifics they cited in the letter was a credit score of XXXX on XX/XX/year>. That is not true at all according to the data from any of the three major credit bureaus. I called Synchrony credit services and tried to clarify the fact that their information was incorrect. However, the only thing they would keep repeating is that if any of the credit report data was wrong, I had to contact the credit bureau directly. 

I repeatedly tried to explain to the representative of Synchrony Bank that the data they used did not belong to me and that my credit reports were all accurate. They were extremely unhelpful and have left me no path but to reach out to the CFPB. The fact of the matter is that without exception, I have always paid off the Sams Club credit in full every month, sometimes weeks before the due date. I feel targeted for being what the credit industry calls a deadbeat, someone who pays of their account in full.