23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Credit Collection Services   XXXX   XXXX   XXXX  ,  XXXX , MA  XXXX  Date  XX/XX/XXXX  Dear Credit Collection Services After viewing a copy of my credit report, I noticed (   XXXX   ) collection accounts placed on my credit report from you in (   XXXX   XXXX   ) Acct #  XXXX  in the amounts of {$270.00} and {$71.00} from  XXXX . I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe.
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization.
Please provide breakdown of fees including any collection costs and medical charges.
Provide a copy of my signature with the provider of service to release my medical information to you.
Cease any credit bureau reporting until the debt has been validated by me.
Please send this information to my address listed above and accept this letter, sent certified mail, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt.
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Sincerely,   XXXX   XXXX   XXXX
Product: Vehicle loan or lease

In XXXX we financed 4 trailers through ARVEST EQUIPMENT FINANCE. 

In XX/XX/XXXX we sold 2 out of 4 trailers. ARVEST provided the Authorization for Payoff, and received funds to close the account for two trailers. 

In XX/XX/XXXX we've been notified by the purchaser of the 2 trailers that they've never received the titles. 

We contacted ARVEST and found out that ARVEST has never closed the loan for the 2 trailers sold, and kept on charging us same monthly amount ( as for 4 trailers ).

When we requested clarification, ARVEST explained that they were not informed that we wanted to close the loan for 2 trailers, and instead, ARVEST applied the funds to the principal balance on the loan. This is not the way the agreement was. 

Finally, after pointing to their mistake, ARVEST sent a revised fee schedule, in XX/XX/XXXX. However, Arvest never refunded the overcharges that were placed on our account since XX/XX/XXXX. 

To all my multiple requests, ARVEST is replying with conditional actions : " we will release the funds after we receive a copy of the title '', " we will release the funds after we receive a copy of the insurance '', " we will release the funds after we receive the coverages from XXXX to XXXX '' and so on... That's not how it has to be. Our overcharges has to be release right away. And if they have other requests, then we can address those.
Product: Money transfer, virtual currency, or money service

I was injured by a company 's product. They paid me by PayPal as an apology for the injury. It was a goodwill gesture made by person to person payment. I'll attach of a copy of the PayPal receipt. There was no service or goods rendered. I called PayPal to ask why I was charged a fee, and I was told that there's a fee for goods a services of 1.9 %... okay but this is NOT goods and services. I asked to refund the money to the sender so we could just avoid PayPal all together. The PayPal representative stated that too would incur an additional fee. This is ridiculous. There never should have been a {$2.00} fee. I want you to refund the money you took inappropriately. You shouldn't charge me any other fees. I never want anything to do with PayPal. Such a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a copy of my FTC complaint stating the Regions Bank & XXXX XXXX XXXX XXXX are fraudulently reporting negative items on my XXXX report. I spoke with XXXX XXXX and she stated that they have not received the updated FTC report that I sent through the CFPB on XX/XX/2019. They simply closed it without putting in any further notation. I am once again attaching the documents as well as mailing it to its office at the address below. I demand that XXXX takes this complaint seriously and remove the items from my credit report. I will also be forwarding this to the FTC. 

XXXX XXXX XXXX XXXX, PA XXXX
Product: Debt collection

I have repeatedly told this company this does not belong to me..Midland is the company and XXXX XXXX is the issue..I have asked for documentation where I supposedly opened this account and have received nothing. Please help.
Product: Debt collection

I have been contacted multiple times by Synergetic Communications to collect a debt from XXXX. After weeks of runaround, the debt was paid on XX/XX/XXXX. XX/XX/XXXX, I was contacted by this company again for another debt with the same dr office. I told them not to call me again and to email me the original debt, any signed contracts and proof of debt. They are continuing to call me during my work hours and have not proved the debt to me. The Dr office says I do not have another debt with them. This should not be reported on my credit score due to it being incorrect and acts of false reporting as well as harassment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Inquiry : XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX Inquiry : XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States that 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 an account without my written instrusctions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer repoting agency may make any consumer report containing any of the following items of informatoion or any other adverse item of information, other than records of convitions of crimes which antedates the report by more than seven years 15 U.S.C. 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

somene has been applying for credit using my personal information and also there are incorrect address listed on my credit report that experian and equifax is refusing to remove. i have called them many times to report that problem but they are refusing to remove the inquires and the fraudulent address.and transunion is refusing to remove all the fruadulant inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB XXXX I was looking over my file and I found that I had a few errors and addresses that I never lived at. I had some issues with someone using my information while I was living out of town. I never lived at the following adresses XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX CT XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX please have them deleted because they may have been used to comprise my name and information. 
There are account that I do not recognize showing on my credit report XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX, XXXX XXXX XXXX. After careful review of my credit report, I notice that I owe an outstanding balance. I would like to let the credit bureus and collectors know that I am disputing these accounts. Under the FDCPA, and FCRA, I can request verification from third-party collection agencies. As you know, not complying with FDCPA will put your company in a bad position with the FTC. Under the FDCPA Section 807,811 ( a ) ( 2 ), 1692 e ( 3 ), and 1692 e ( 10 ) ; and the Ohio Law 1319.12 ORC Taking Assignment of Debt, you failed to submit the proper documentations to validate the debt.
Product: Credit reporting or other personal consumer reports

FCRA violations : not my account XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX Account status Closed Age of Account XXXX XXXX XXXX XXXX XXXX XXXX Late payments XXXX
Product: Debt collection

I have a continued complaint against Ally Bank. I just sold my house and the attorneys, XXXX XXXX XXXX in XXXX, Arkansas, ( XXXX XXXX ) that tried to garnish my XXXX benefits back in XXXX. I found out XXXX XXXX put a lien of {$8400.00} dollars without notifying me when he tried to take my XXXX benefits in XXXX. Although there was nothing I could do at the time of the sale, XXXX XXXX drafted a bogus agreement that I had to sign under force majeure. They stole the amount when I had to sign the paperwork so I could sell the home to new buyers. On XX/XX/XXXX, Ally Bank hired more attorneys, XXXX XXXX XXXX XXXX XXXX, Kentucky to sue me twice for the same illegal activity that XXXX XXXX did to me. Please review the documents attached.
Product: Credit reporting or other personal consumer reports

I did not give my consent to provide my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I initiated a dispute with Experian. One creditor shows incorrect dates as my first date of delinquency. I included billing statements and a receipt of payment validating my claim. When I disputed with XXXX  it was instantly removed but after repeated attempts with Experian and XXXX  no change has been made. This was a joint account with my spouse and was removed last year from her XXXX  and XXXX  but not Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect accounts on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX  XXXX XXXX {$810.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$540.00} XXXX  XXXX $ {$680.00} XXXX XXXX XXXX {$50.00}
Product: Checking or savings account

Citibank promotion : If I deposit $ XXXX.into a new checking account, leave a minimum of {$50000.00} in the account for a minimum of 60 days, Citibank would deposit {$700.00} into that same account. 

I made the {$50000.00} dollar deposit on XX/XX/XXXX, my 60 days were over XX/XX/XXXX. 

I called Citibank around XX/XX/XXXX to see why the promotion money has not been applied. The customer Service Rep said " it can take up to 90 days to see the deposit '', Wait ... what,? 90 days in this world of automation?.

The Rep also stated that to avoid any service charges on my current account, I had to maintain the {$50000.00} balance.

So, it works out that Citibank is keeping my money for 150 days before they apply any promotion money.
Product: Checking or savings account

XX/XX/XXXX I received a call from Citibank stating that someone in Kentucky was trying to use my card for purchases at XXXX and gas station. 
They also noticed as attempted {$2000.00} wire transfer. 
After that call, while looking online, I noticed major changes in my accounts : - 2 fraudulent accounts opened successfully under my name - Money being moved from my main checking account to my other accounts, and to the fraudulent accounts. 
- As I was trying to get hold of Citibank via phone, I could see {$5000.00} was deposited into each of the fraudulent accounts, and by the time I got through to a Citibank person, having been transferred from department to department, both accounts were drained as XXXX payments were being made to unknown people from these accounts. 
- By the time I spoke to someone, 9 fraudulent transactions had been made, amounting up to approx {$20000.00}. Citibank had NOT stopped these transactions. 
- I kept asking whether my accounts were now safe, I was told yes. 
- XX/XX/XXXX, I saw someone had applied for a personal loan from my account. This has affected my credit score. 
- XX/XX/XXXX, 2 more payments were attempted. 
- Snapshots were taken of my accounts, including the fraudulent ones, before deleting app from my phone. 
- XXXX XXXX XXXX : 3 days spent at Citibank XXXX XXXX branch . Noone is able to open a basic account for me. Appalling customer service. New account is 'lost ', many comments from staff like 'I don't know how to do this. ' Bank staff do not return my emails. 
- XX/XX/XXXX XXXXpm I ask to speak to manager at my local branch. He manages to open up an account for me, but the bank card does not work. This means for 3 days I had XXXX access to any funds and this weekend, although now I have a basic account, I can not access those funds as my ATM card doesn't work, so I need to return to the bank for the 4th day on Monday. 
- XX/XX/XXXX : I notice while looking at my accounts with the manager that another account has been drained SINCE the 'block '. I can provide snapshot of my account as of XX/XX/XXXX, after the 'block ' and yesterday 's account. This means a further {$3000.00} removed. 

The incompetency of Citibank is staggering. I already closed my Business account last year, but this incompetency is a whole other level. 

I am a XXXX Member and own a business here in XXXX XXXX. If this is the level of support a XXXX member gets then I feel very sorry for those who don't have the time and resources to take action I am doing. 

I refuse to wait 45 days for a 'decision ' to be made regarding the fraud. Clearly Citibank could have acted faster. I will not be able to pay my estimated taxes if these funds are not returned asap, and currently we have no bathroom because after demolition, the contractor was expecting payment and Citibank has ensured I have no access to my own funds for almost a week.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the XXXX XXXX XXXX I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. I have the right to privacy. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX. States, I have the right to privacy. 
XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) - nothing can be furnished on my consumer report without my written consent XXXX XXXXXXXX XXXX XXXXXXXX - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( XXXX ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, XXXX XXXX XXXXXXXX ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
XXXX XXXX. XXXX The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the XXXX. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX, XXXXXXXX XXXX XXXXXXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputing theses incorrect Items on my credit since XX/XX/XXXX. They keep saying that is is verified. they have not sent any documents stating who verified it. their name and number.
Product: Credit card or prepaid card

XX/XX/XXXX To whom this may concern, On XX/XX/XXXX I received a phone call regarding a vacation package. This was not out of the ordinary as I have done many in the past. So, I proceeded and purchased 2 packages, totaling the amount of {$1900.00}. 

The packages must be used within 2 years. Over the phone they told me blackout dates and provide a number to call to make the reservation. I was also told I would receive information in the mail regarding the packages. The only information I ever received was that one sole phone call. 

I finalized travel time with my family and tried to call the number provided. At the time the number rang multiple times then to a busy signal. I tried to call multiple times this day and a few more during the week without any success. 

My next step was to contact Citi Card Service. At this time, I was told by Citi Card that I had to wait the 2 years for the vacation company to honor the vacation packages. 

I then waited the 2years and revisited to charge with Citi Card Services. At this time, I was told by Citi Card that they could not reverse the charges due to it being too long to process. 


Citi Card Services, XXXX XXXXXXXX XXXXXXXX XXXX XXXX, SD, XXXX. Contact number XXXX or XXXX. 
Card Name ( at the time of the charges XXXX XXXX XXXX credit card ending XXXX. 
Credit Card Charges $ XXXX from XXXX XXXXXXXX XXXX. 





Warm Regards, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am the lawfully executed Attorney in Fact of my father. Via a signed notarized and witnessed durable POA. They denied the document during their " document review '' process and will not allow me access to the account
Product: Mortgage

XX/XX/XXXX, XXXX Requested XXXX removal and was denied XX/XX/XXXX, XXXX Requested XXXX removal and was denied, request call back and never received a call from representative reviewing case. 

Both cases were denied because XXXX Loancare stated that I have not fulfilled the XXXX year XXXX XXXX XXXX payment schedule. XXXX Loancare also stated in their denial letter that the property has not met the XXXX  % XXXX criteria, which is false. I have provided comparable property values, assessed value, Initial HUD mortgage letter from XXXX their own assessed property value and an appeal letter with no response. 
Using their own criteria, as well as XXXX XXXX criteria, I have fulfilled the MIP payments, and it should be removed from my mortgage payment. XXXX is stating that I am required to now pay XXXX until XX/XX/year>. 
This is absolutely egregious, and XXXX is taking advantage of their customers and requiring them to pay twice as long on their XXXX even though they have met the requirements. 
I am hoping you will be able to help me with this removal of the XXXX This will save me a couple XXXX dollars a month and since I have already met the requirement, there is no reason to continue to pay this premium to XXXX.
Product: Checking or savings account

Ive been trying to access and close a trust account that I am a beneficiary of and have reached age of attainment. My account manager left the company, and no new account manager has been assigned for 2 months. Ive been blocked by Truist bank from accessing my funds because no one but an account y, that doesnt exist, can help me
Product: Debt collection

This company called Americollect is attempting to collect an unknown debt from me by calling me 2 times a day, and contacting me after I asked them to stop. It is harassment. I also have done my research on the company and they have a record of harassment, threatening, refusing to send debt statement letters to those who owe, taking multiple payments for one debt and refusing to report the full payment to the credit bureaus, and attempt to collect false debt. This is criminal and must be stopped. The last time I was contacted was today XXXX XXXX 2021 at XXXX XXXX  two times in a row and I have pictures of my call log to prove it.
Product: Student loan

I attended XXXX from XXXX I have a private student loan through navient. On XX/XX/XXXX state attorney Generals including Massachusetts have reached a settlement agreement with navient to pay {$1.00} XXXX in private student loan cancellation. Qualified borrowers that went to XXXX the loan must of been disbursed between XXXX. The student loan must be in delinquent for 7 months or more and I qualify for that I was delinquent from XXXX XXXX XX/XX/XXXX. My original loan came from XXXX XXXX and got transferred to navient. XXXX is supposed to notify borrowers in writing by XX/XX/XXXX but I have not received anything. Any time I have called navient and ask what's going on with the settlement they have no idea. They just said you have to wait or waiting a response from department of education which is load of XXXX. I want this loan to be wiped off my credit and don't need to be responsible for the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously disputed this account stating : " I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. all 3 credited XXXX, Experian and XXXX doesn't have same info.