23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

i opened an account with citi bank online on XX/XX/XXXX and was told the account had to be funded immediately. So i funded the account and it was my last. i tried to XXXX the money to another account of mine but was told i need to have a debit card. how would i have a debit card if i just opened the account same day? so i called to see how i can get the funds out or verify another way. that policy simply makes no sense because if someone just opened an account online how would they have a bank card? i tried to XXXX it a few times and i tried to transfer the funds through wire transfer. now my account is locked and and under review but that makes no sense? why let me open an account with my information and find the account THEN say its under review? anyone couldve used my information and opened this account. i was told a letter will be sent me to in the mail but that is my LAST of my money. i asked numerous times if they may expedite the letter or the card but i wasnt give either option the reps actually hanged up the phone in my face. i am going to close this account and get a class action lawsuit started. i no longer care to bank with citi bank and the money they will be paying out after i am done with them will be bigger than the chump change they think they can keep stealing from people. they have many complaints of them doing the same thing to people.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Dear Sir/Madam, I am writing to file a formal complaint against Source Receivables Management for violations of the consumer financial protection laws as outlined under 12 CFR 1006.34 ( b ) ( 5 ), 12 CFR 1006.34 ( c ) ( 4 ) ( i ), 12 CFR 1006.34 ( d ), 15 USC 1681s-2 ( 7 ) ( a ) and 15 USC 1681 ( e ) b. 

I do not owe this debt I never had a XXXX XXXX XXXX or services ( account # XXXX ) and I ask for debt validation, the purchase agreement between them and the original creditor. I have included the attachment with multiple inaccuracies across all three major credit bureaus regarding this collection. 

Source Receivables Management has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet placed a collection on my consumer report. 

Source Receivables Management is violating my consumer rights by using false and misleading, misrepresentation and deceptive means. 

Source Receivables Management has no authority to furnish any account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15USC 1681s-2 ( 7 ) ( a ).

Source Receivables Management did not follow reasonable procedures to assure maximum possible accuracy of the information concerning my account and yet shared these inaccuracies on consumer report, this is a clear violation of 15 USC 1681 ( e ) b. 


Based on my experience and the evidence provided, I believe that Source Receivables Management has violated the following laws. 

12 CFR 1006.34 ( b ) ( 5 ) : Failure to accurately validate information to consumers concerning their accounts.

2 ) 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : Failure to conduct proper investigation of disputed debts and provide consumers with adequate responses.

3 ) 12 CFR 1006.34 ( d ) Failure to maintain and implement reasonable policies and procedures to ensure compliance with the Fair Debt Collection Practices Act ( FDCPA ).

4 ) 15 USC 1681s-2 ( 7 ) ( a ) Failure to accurately report information to consumer reporting agencies.

5 ) 15 USC 1681 ( e ) b Did not follow reasonable procedures to assure maximum possible accuracy of the information concerning my account. 



I request that the Consumer Financial Protection Bureau investigate these alleged violations and take appropriate actions to ensure compliance with consumer financial protection laws. Im revoking all rights of Source Receivables Management to contact me via emails/text/calls. 




Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

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

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the accuracy of the following items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXInquiry According to the Fair Credit Reporting Act ( FCRA ), I have the right to ensure that the information on my credit report is accurate, complete, and up-to-date. The above-mentioned accounts are not accurate and need to be removed from my credit report. 

The FCRA also states that you must investigate my dispute and respond to me within 30 days of receipt of my dispute letter. If the information is found to be inaccurate, incomplete, or can not be verified, you must remove or correct the information. 

Moreover, the FCRA also requires creditors to report information that is fair, accurate, and substantiated. I believe that the above accounts are in violation of this law, and I demand that they be removed from my credit report immediately. 

Furthermore, the inclusion of inaccurate information on my credit report has caused me a great deal of emotional distress and has affected my ability to obtain credit. I urge you to take immediate action to remove the erroneous information and restore my credit report to an accurate and fair representation of my credit history. 

I look forward to receiving your response to my dispute within the allotted 30 days. Thank you for your attention to this matter. 

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

My capital one account shows a 30 days past due balance since XXXX 2012, and I have spoken to the company, disputed it numerous of time and not thus far. So I decided to cancel the credit card, mind you I had 3 credit cards with Capital One for many years and always paid on time or very early and they still refused to correct this error. Can you please help me. 



Thank you, XXXX XXXX
Product: Debt collection

To whom it may concern, I have been harassed by a debt collector for over a year now. Everytime I asked to verify if the debt was truly owed and asked for a statement or explanation of benefit for the original debt, I was told that I would receive something. This never happened, and I continued to receive harassing phone calls and mail from the debt collector. 
One month ago, I was harassed by the debt collectors themselves. They sent a courier to my house to deliver me a bogus court Summons in order to extort money from me. The original debt was for {$110.00} and they told me that I owed $ 500+. According to my rights, I continued to ask for evidence from the original provider, again they would not provide this to me. Finally, I was able to track down the medical office that provided the treatment and they were able to provide me with a bill. I attempted to cover the original amount to no avail. 
I went back to the debt collector and attempted to settle up. They were unwilling to work with me and extorted $ 500+ and told me that the interest and penalties were going to increase by {$100.00} every week until I paid up. Of course I did not want my family or I to continue being harassed so I caved in and paid them. 
I feel like this place is a scam and is only after peoples hard earned money. They do not follow the rules and should be investigated. Please help me get all or some of my money back and penalize this business for harassment and charging fees and interest that are not lawful. 

Sincerely, XXXX XXXX
Product: Credit reporting

THERE ARE XXXX ISSUES LISTED BELOW : I have disputed this over and over again. I filed bankruptcy and the report ( equifax ) is showing this to be open. XXXX/XXXX, shows open and it should state in bankruptcy closed. All the others on my report are closed except for this XXXX. Yes it belonged to me, yet, they did n't come to the court to dispute it so they lost out. My atty said i do not owe this amount. This should show closed and in bankruptcy like XXXX, and XXXX etc. These show closed. Also, I have been DENIED credit and all XXXX credit reports are saying I can not get my report again because I got XXXX free at the beginning of the year. Since then I 've disputed information that should have been corrected and when I applied for credit they say I ca n't get it. Which is fine but I want to see my report because of it. Please let me know this will be closed as XXXX and then XXXX I will get after they close it out an updated report from all XXXX credit report agencies. XXXX has told me they get all information from XXXX XXXX and equifax IF anything on their site is incorrect ( which it is ) I have to go thru the credit reporting agency which I did. To NO AVAIL. Please correct. Thank you
Product: Debt collection

I am a customer of Ditech mortgage company. I have never made a late payment but over the last few months I have been harassed with collections calls and a man came to my home, despite repeated confirmation from the company that my account is now, and has always been, current. I am suffering from anxiety and my baby has been affected. My family 's peace continues to be disturbed. The company is failing to acknowledge their actions and continuous harassment occurs. 

According to Ditech Mortgage company, their computers began having problems in XXXX 2016, incorrectly reporting that our mortgage was past due. We have never made a late payment on our mortgage. We pay our mortgage in full every month. 
I began receiving late notices in the mail. I called for resolution and the company reported that " they 're working on it. '' Phone calls continued but were not documented as I assumed the company would take care of it. I answered every call, had to sit through accusations that my account was past due and " was I ready to pay now? '' Had to convince them every time that it was not past due. Was told, " they 're working on it. '' Shaken up through every call as I was continually accused of avoiding my obligations. 

On XXXX XXXX, 2016 I received a call at Saturday morning at XXXX while I was in the middle of feeding my 10 month old breakfast, informing me that I had a balance past due. I responded and demanded they stop harassing me. The previous calls were at least during the workweek. Now, XXXX of the only days during the week when I can feed my son breakfast, I am suffering undeserved harassment and interruptions. I am extremely upset after this call. 

On XXXX XXXX, 2016, a man approached my front door. My XXXX was napping and my dog began loudly barking at the man at the front door. The man was messing with the front door handle. Upon inspection, the man had left a notice in the door informing me that I should call Ditech to set up a meeting to discuss my account. 
I called Ditech to complain and the company asserted that they are not the ones who send out people to collect debts and they have nothing to do with the attempts to collect the debt. I insisted they provide me with a contact for who in fact does send a representative to collect an alleged Ditech debt, if not Ditech. The company had no response. Company response : " it was an accident. '' On XXXX XXXX, 2016, I received a notice in the mail that I should contact Ditech to figure out mitigation for my past owed debt. Received the notice the day of my birthday party when I had XXXX people in town. Again became upset as my friend watched my open a past-due notice. 

My family has suffered from this continuous harassment. I am suffering from XXXX. We take pride in the fact that we are current on all our obligations. Receiving threatening phone calls and 'gotcha ' phone calls and having people come to our door has been emotionally disturbing. Please help us as this company refuses to acknowledge their actions and is failing to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized use of credit report. I did not consent to, authorize, nor benefit from any of the following inquiries. Block and remove them. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX. Please provide any documentation certified and sworn via affidavit by the CEO of your company to the contrary.
Product: Credit reporting

Greetings. I was summoned to court by an attorney firm XXXX regarding XXXX, a debt collector. The debt was paid in full but not updated in the XXXX County court system nor on my credit reports. I sent a certified letter to XXXX to remove the incorrect debt information and public record but it was returned. A certified letter was sent to the attorney firm XXXX who updated the court record ( XXXX ) but ignored the request to remove inaccurate information from my credit reports. I then sent a certified letter to Transunion requesting that the debt and public record listed on my credit report be removed. Transunion removed the debt record from my credit report but did not remove the public record. This erroneous information is preventing my husband and I from purchasing a home.
Product: Payday loan, title loan, or personal loan

This company called me asking to speak to someone I know. I advised that this was not the number for them and I'm unsure how they got my number. I asked for them to stop calling me. Their representative refused to take the number off, disconnected the call on me and has proceeded to continually use their automated to call me. 
The original number they called me from was XXXX, then he called me right back from XXXX. Then there was a text message from XXXX
Product: Credit card

The Company FSJ Global XXXX., called and told me ( XXXX XXXX ) I am going to receive a summons for court due to a nonpayment to XXXXXXXX XXXX XXXXXXXX XXXX card for XXXX. I called XXXX and I was told I do not have or opened an account with them. I am thinking this is a scam. Thanks
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am exercising my right under 15 USC 6802 to opt out of the reporting of my account with XXXX XXXX XXXXXXXX XXXX  on my consumer report. 

As per the provisions of 15 USC 6802, consumers have the right to opt out of having their accounts reported to credit reporting agencies. Therefore, I request that XXXX XXXX XXXX XXXX cease reporting this account to TransUnion effective immediately. 

I understand that opting out of reporting this account may impact the completeness of my credit report. However, I have made the decision to exercise my rights under the law.

Please confirm in writing that my request to opt out of reporting this account has been received and will be implemented promptly. Please be advised that violating my request would be a violation of the Privacy Act of 1974, which mandates the protection of individuals ' personal information held by federal agencies.

Thank you for your attention to this matter. I anticipate your cooperation in this regard.

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX someone withdrew {$9500.00} from my checking account account at the teller window. I called Citi Bank to close & lock my accounts. I went into that same branch where the transaction occurred & asked how did this happen. The person did not have my ID so they did not identify themselves & the teller did not do their job to prevent loses. Called the Incident reporting unit to see how we can get this resolved. Its been months, Company is blaming me the customer for not safeguarding my account because the debit card pin is the way of identification so therefore as long as someone knows youre debit card pin they can withdraw without any consequences.Ive followed all the instructions & request from Citi bank & still have not received anything back just denial of my claims. This is unfair & their policies do not make them right. Never have I had this issue with any other bank
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 719XXXX 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 us 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 XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I have a FTC IDENTITY THEFT REPORT. I submitted, with an explanation that I could also provide more proof of my situation. my credit reports are reporting differently, and either my information is still not corrected and they are reporting the same old information.requiring me to pay for my information I'm still going through the same process as they send to me to be able to fix the problems, and nothing is fixed.they don't remove what needs to be removed.using my maiden name which I did not use for the information they have in the reports.I in data breaches, data leaks, darkweb and being hacked. This started with the first data breach Equifax in 2017, and has not stopped equifax sent me to XXXX I have never known of them until recently after I sent in my IDTHEFT report. The fraud is attached to my maiden name, I have been married for 29 years. There's fraudulent activities going on of which my email address is being used so I may not be receiving the communications because it is being rerouted and when I send its not sent to whom I sending it to.This is got to be more than one person, and in high official offices that know about this.This is not just affecting my credit, it's designed to destroy my life.Im being slandered, defamed, personal information sold, changed used to fit their narrative for financial gain, and to escape public ridicule for what they have done to not only me, XXXX knows how many people to keep us in poverty and control over peoples lives.IM FIGHTING FOR LIFE AND OTHERS THAT ARE VICTIMS OF THE GOVERNMENTAND INSTITUTIONS THAT HAVE OFFICIAL RANKINGS OVER PEOPLES PERSONAL INFORMATION THAT ARE TAKING ADVANTAGE OF THEIR POSITIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened XXXX. XXXX XXXX Balance : {$3000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX has violated my rights. 

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. 

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 reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, 2024/ XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year>2024 /
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, AGENCY CREDIT CONTROL ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX, AGENCY CREDIT CONTROL ( Original Creditor : XXXX XXXX XXXX XXXX ), and XXXX with no successful resolution. There was definitely an error on their part.
Product: Payday loan, title loan, personal loan, or advance loan

Mariner has unlawfully filed sue case under false pretenses. I have requested the original documents signed by the bank and myself or who is the original creditor and have never received the documents. Although they have filed a garnishment without true and lending proof that I owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed incorrect information on my credit report XXXX XXXX on all 3 credit bureaus Equifax, XXXX, XXXX credit report And equifax sent me a letter after I sent them a letter from the debt collector saying they can not locate my account and I am not in the system and I requested that all 3 credit bureaus remove XXXX XXXX inaccurate reporting and its past 30 days and Ive not received any investigation results by mail
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity theft- Someone/ Or persons have received appliances from XXXX XXXX- and use my name and identity/social security number without my permission- Credit cards with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- I did not give consent to do such applications online- I have fraud alerts on my accounts I was never called or reached out to approve or deny these accounts. 

Please know that the Only accounts that should be reporting on my Credit Reports is below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX All others I am given the agencies- XXXX, XXXX and XXXX Please remove all others. 

I was threaten by a company to sue me over a XXXX XXXX XXXX that I did not own- it was open from the result of fraud/Identity theft. My personal name and information has been used to open up accounts without my consent. 

I have been a Victim and advocate against such crimes since 2008 XXXX XXXX XXXX XXXX