23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I went to the hospital XXXX XXXX XXXX XXXX XXXX in XX/XX/year>. I received a bill and have been paying XXXX. I then received something saying I only owed around XXXX, which I paid. Then I received a notice from you saying that I was turned over to the debt collector. I am happy to pay in installments but I can't afford the whole amount at XXXX. I thought I was doing good. Please call me at XXXX so I can set up payments. My reference number is XXXX.
Product: Debt collection

I received a email about a debt, I responded to the email asking for validation, and sent a certified letter to this company, but they reported it to XXXX before they even validated it. By law I have thirty days to respond, its been a week. I have no knowledge of this alleged debt, and I have never heard of Starmark Financial.
Product: Checking or savings account

Subject : unresolved issues : Complaint Regarding Unauthorized Federal Withholding Tax Deductions- Citibank Account [ XXXX ] I am writing to formally file a complaint against Citibank regarding the ongoing unauthorized deduction of federal withholding tax from my savings account. 
I opened this savings account with Citibank in XXXX. Since the account 's inception, Citibank has been erroneously deducting federal withholding tax. 
In the beginning of XXXX, XXXX, I filed a complaint with Citibank regarding these unauthorized deductions. Citibank responded by stating that they would reverse all federal withholding tax deductions upon receipt of my W-9 form. I verified with a Citibank representative in XXXX and also XX/XX/XXXX that they had received my W-9 form and when I called again in this month, XX/XX/XXXX, I was told by the representative that I am indeed W-9 certified. 
Despite receiving my W-9 form and my initial complaint, Citibank has : * Failed to reverse the previously deducted federal withholding tax. 
* Continued to deduct federal withholding tax from my savings account as of today. 
I contacted the CFPB in XX/XX/XXXX regarding this issue. A CFPB representative advised me to file another complaint in XXXX XXXX if the issue remained unresolved. 
I request the following resolutions : * Immediate reversal of all unauthorized federal withholding tax deductions as promised in the letter from Citibank. 
* Cessation of future federal withholding tax deductions from my savings account. 
* Compensation for any inconvenience and financial hardship caused by these unauthorized deductions. 
I have attached copies of the communication with Citibank regarding this issue ( response letter indicates that they will reverse the funds ) I look forward to your prompt attention to this matter and a swift resolution to this issue.
Product: Credit reporting or other personal consumer reports

This letter is a formal follow-up to my previous correspondence regarding the fraudulent accounts that appeared on my credit report ( see attachment ) due to identity theft. Despite my earlier dispute on XX/XX/2024, and in clear violation of the fair credit reporting act ( FCRA ) you have failed to remove the inaccurate information from my credit report. This letter serves as an official reminder that I am a victim of identity theft, and I have NO responsibility for the fraudulent accounts ( referenced attachments ). Despite providing all necessary documentation, including an FTC identity theft Affidavit, your agency has chosen to ignore its legal obligations under the FCRA, which requires you to thoroughly investigate disputed claims and remove any inaccurate information from my credit report. As required under section 611 of the FCRA, you are mandated to immediately remove all inaccurate information related to the fraudulent accounts, send me written confirmation that fraudulent items have been removed and cease reporting these fraudulent items to any third- party entities including creditors and collection agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My request for the correction and removable of the erroneous information about my inquiry has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiry is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the inquiry that is still reporting on my account : XXXX-Date of Inquiry XX/XX/XXXX XXXX
Product: Debt collection

XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX  XXXX Todays Date : XX/XX/XXXX ARS ACCOUNT RESOLUTION  XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ARS ACCOUNT RESOLUTION XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX  XXXX  XXXX  XXXX  Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not own this account I didnt live at that address the last address I lived was in XXXX Texas XXXX am now living in my car since XX/XX/2022 please remove this false information from XXXX XXXX as ai have XXXX
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXXXXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by XXXX, XXXX, XXXX. XXXX, XXXX, XXXX has violated my consumer rights and violated federal law. This is the FOURTH attempt to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I XXXX proceed with my life, or I XXXX be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Act XXXX & XXXX Acct # XXXX, has violated my rights. 

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

15 US C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

On XX/XX/XXXX, I sent a cease of communication letter to Burton Neil & Associates to cease all communication with me. I sent the cease of communication letter via certified mail. The cease of communication letter was sent after I had received a letter in the mail on XX/XX/XXXX in regards to a disputed debt from XX/XX/XXXX, which was from a different creditor, a XXXX XXXX, who I have never heard of and who also never responded to my validation of debt letter I sent to them dated from XX/XX/XXXX, 16 months ago. On XX/XX/XXXX, I received a package in the mail stamped XX/XX/XXXX from Burton Neil & Associates. This package was sent after I sent a cease of communication order thar specifically requested not to be contacted by any form of communication. I am a XXXX percent XXXX and at home veteran, with XXXX and XXXX from being stationed at the XXXX during XX/XX/XXXX. My cease of communication request was ignored by their office and they have violated the FDCPA. The package received in the mail on XX/XX/XXXX has caused intentional emotional distress on me. The package has been sent back refused.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report.

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with a consumer that is accurate.

C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the Metro 2 compliance standards.

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports.

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards.

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB , FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX  Late Payment {$8200.00} XXXX XXXX XXXX XXXX  Charge-off {$3000.00} XXXX XXXX XXXXXXXX Charge-off {$1300.00} XXXX XXXX XXXXXXXX Charge-off {$99.00} XXXX XXXX XXXXXXXX Charge-off {$5400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to XXXX the manager and told him how I was having issues submitting disputes online for inquiries and an address that I never lived at XXXX XXXX XXXX XXXX. I disputed these inaccuracies as fraud and Equifax refused to investigate or remove them. After speaking to XXXX and requested that these items be disputed XXXX said he would send it for manual dispute. The next day I woke up and found my account blocked online and after the representative XXXX XXXX verified my information he said the supervisor said that my account is blocked and under investigation. So Equifax punishes me because the refuse to do their job. This is my fifth complaint and I would like the ombudsman to take a look into my complaints about this company and their incompetence. If unresolved I will file legal action against equifax.
Product: Mortgage

I purchased a home in XX/XX/XXXX with an FHA mortgage loan serviced by PNC Mortgage. The home was listed with a septic system. I paid for an appraisal and an inspection for home including septic system. In XX/XX/XXXX we listed the home for sale and accepted an offer. The new buyer requested we have the septic system pumped. We hired XXXX XXXX to come and pump septic tank. They snaked the septic line with a camera and found there to be no septic tank/system. What does exists is a sewer line that runs directly into a public water way. I contacted PNC who directed me to talk to FHA. FHA responded and explained that it was PNC duty to check permits with local health department. The County health department has no record of a septic permit for this property. Please see attached.
Product: Money transfer, virtual currency, or money service

I have been using PayPal to receive payments for my friends and family only and also paid some of them using the same platform. 
on XXXX XX/XX/year>, I traveled to XXXX XXXX with my family when I was there I needed more money for my trip I asked my friend XXXX to support me financially he gave me what I asked for. 
in those transactions XXXX XXXX ( XXXX ) with a value of ( XXXX USD ) XXXX ( XXXX ) with a value of ( XXXX USD ) XXXX ( XXXX ) with a value of ( XXXX USD ) XXXX ( XXXX ) with a value of ( XXXX USD ) and when I received them PayPal put them on hold for a few hours after that PayPal refunded all of them. 
in those transactions XXXX XXXX ( XXXX ) with a value of ( XXXX USD ) - ( XXXX USD ) XXXX ( XXXX ) with a value of ( XXXX USD ) - ( XXXX USD ) XXXX ( XXXX ) with a value of ( XXXX USD ) - ( XXXX USD ) XXXX ( XXXX ) with a value of ( XXXX USD ) - ( XXXX USD ) *All values between the stars after the PayPal fees This made me cancel the rest of the trip and return after only 4 days because I did not have enough money ( all documents that prove what I said it attached ) after PayPal refunded all funds they asked me to upload my ID to prove who I am after I uploaded my passport they blocked me from using my PayPal account held the balance ( XXXX USD ) on it and told me ( You can't use PayPal anymore ) - ( Reference ID : XXXX ) and told me if I need my balance I should wait 180 days for it
Product: Credit reporting or other personal consumer reports

Army Air Force Exchange account number XXXX, also reporting as Military Star account number XXXXThis is the account they fraudulently changed in XXXX of XXXX to XXXX.as if this was a new account, when this account is over 8 years old fraudulent making it look like its a new account that has just been put in collections after 8 years. I have filed dispute after dispute. I am not getting any information as to why this old account is still being reported on my credit report under a different account number that i have no knowledge of. This account was opened XX/XX/XXXX. They are reporting that the last payment received was on XX/XX/XXXX and the law states that they have to remove any account thats older than 7 years old or from the last payment thats older than 7 years old. They are also reporting that the account was closed on XX/XX/XXXX. Army Air Force Exchange account number XXXX. They changed it to XXXX.as if this was a new account under Military Star which is the exact same account changing the account number to make it look like a new account going in collection.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting these accounts incorrectly. These collection accounts are reporting not only as OPEN, but also shows a past due balance of {$3100.00}, and {$1400.00} respectively. According to the FCRA, I have the right to an accurate credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. 



XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was sent {$250.00} from a friend on the Cash App. The money was sent to my phone number, which was linked to a very old account that I no longer used. I received a text message to login and receive my money. When I clicked the text, it asked me to confirm my account by entering an old debit card number that I no longer had. I told the app I no longer had that debit card, and it prompted me to create a new account. Upon creating a new account, it told me I had no money available. In showing this issue to their support team, they have told me my account has no money sent, despite seeing text messages in the same thread from their own app/number saying I received the payment. 

In XXXX separate cases, they have refused any resolution and told me they would escalate my concern and I have never heard back. This has been over a month now. 

I am worried this is fraud and they are instead stealing my money.
Product: Checking or savings account

I had an account with Ally Bank. In XX/XX/2022, my account with Ally Bank was restricted. I called to get details of why my account was being restricted and was told a depositor had recalled their deposit and that my account would be investigated. I called multiple times and each time I was told that the investigation was ongoing and could take up to 30 days and that most likely my account would be closed. I asked for more information, but could not get any more information. I asked to speak to the investigator, but could not. I asked for a call back and was told they would try to get him to call me. I did not get a call back.

I called I called again and was told that my account had been closed that day. I asked for details and was told that I would receive a letter, but did not. 

I have tried several times to have the balance of the account returned to me with no success. I was told today that any money in the account would been returned to me and the person I was speaking to hung up on me. There was in excess of {$20000.00} in the account after the money was returned to the depositor who recalled the deposit.
Product: Debt collection

This company is calling my personal number to try and reach someone else at the same address for collection purposes. I spoke with XXXX at XXXX XXXX XXXX about XXXX Pacific. The person they are trying to reach does not have my number. This is a hunting addition on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this to discuss about how on multiple occasions this company continues to report incorrect personal information about me and won't fix it. I have sent my drivers license, social, utility bill and nothing is ever corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXXXXXX Balance : {$720.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I purchased a new XXXX XXXX and was offered zero-percent financing by Toyota through Toyota Financial Services. On XX/XX/XXXX, I paid this loan off. I never missed a payment and never late. When I checked with my credit monitoring service, I was informed that my credit score had dropped due to an adverse notation that XXXX XXXX for one had picked up from XXXX. When I called Toyota Financial I could not get an answer as to what this was referring to. I filled out an inquiry with Toyota. They provided no answer and as with the representative earlier on the phone, I was told no to my request about the information on my own account. As a consumer, I should and must be entitled to know what the adverse comment is referring to after 5 years. The following is my information. Account : XXXX XXXX XXXX The company has for some reason taken an arrogant stance and refuses to talk to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 11th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX  XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXBalance : {$11.00}