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

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$11000.00}, {$800.00}, {$2800.00}, {$900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$11000.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$800.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2800.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account.
Product: Credit reporting

In 2008 we moved out of our home in NJ, requiring the return of a cable box to XXXX. I have a receipt from when the box was returned. I tried explaining to XXXX XXXX, the collection agency retained to service this account, that I paid this amount in full but they refused to listen. I disputed according to credit bureau instructions but XXXX XXXX refuses to even investigate. This has done significant damage to my otherwise perfect credit in the past 4 years and I demand this be corrected and removed from my bureau report. I should also be compensated given their obstinacy in recognizing my case is unjustified to be in a collections status.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XX/XX/2020 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: Credit card or prepaid card

On XX/XX/XXXX, I picked up a number of different items at XXXX XXXX at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ) that I dropped off to be dry cleaned earlier in the week. 

Upon returning home, I discovered that 2 identical pillow covers had been damaged and ruined due to the merchant 's negligence. The pillow cover materials were frayed and there are now black stains on the covers not present at time of dropoff. I also had another pillow case that had the zipper destroyed due to the merchant 's negligence. 
Again, these pillow cases were in EXCELLENT condition at time of drop-off. In fact, 2 of the matching pillow cases were practically brand new ( purchased XX/XX/XXXX ) I returned to the dry cleaner the next day on XX/XX/XXXX to address these issues. 
PLEASE NOTE THAT THIS WAS THE 2nd INCIDENT OF RECEIVING DAMAGED GOODS & SERVICES FROM THIS MERCHANT. THE FIRST INCIDENT OCCURRED IN XX/XX/XXXX. 
The dry cleaner accepted my goods and tendered my payment, yet refused to take ownership or responsibility for the damage he caused. Merchant stated he would repair the damaged pillow, but he did not fix it after I gave him the opportunity to do so. Merchant also refused to refund my money for services and damaged goods, which is unlawful. 

I then filed a dispute with Citi and provided documentation and information to support my claim. Citi ruled in the merchant 's favor, even though my goods were damaged and I did not receive the service I paid for. 

I had another dry cleaner successfully repair the pillow cover with the damaged zipper on XX/XX/XXXX. This cost me an additional {$7.00} out-of-pocket.. 
I still need to replace the 2 damaged pillow covers. I also need to be refunded the amount I paid to clean the damaged pillow covers. 

{$120.00} - Cost of 2 lumbar pillows ( Wayfair ) {$7.00} - Cost to repair zipper ( XXXXXXXX XXXX XXXX : XX/XX/XXXX ) {$16.00} - Refund of dry cleaning damaged covers ( 3 x {$5.00} ) TOTAL : {$140.00} If Citi does not reverse this charge of {$130.00}, I will be filing a Small Claims suit in XXXX County ( XXXX XXXX, CA ) and will be including Citi as a co-defendant, alongside this merchant. I am NOT paying for goods that were damaged due to someone else 's negligence. 

I am disappointed in how Citi handled my dispute. I ask that the person who denied my claim put themselves in my shoes as a consumer. I'd like to know how this was deemed acceptable and why I should be expected to pay for a merchant 's negligence. I tried resolving it with merchant but he refused to take ownership, putting the blame back on me. XXXX XXXX and other cardholders would not treat their customers this way.
Product: Mortgage

I received a Motion for Writ of Possession dated XX/XX/XXXX show a certificate of service in mail and I have reached out to the mortgage company several times and we was in the process of modifying the loan. I am a victim of Predator Lending. The deed of Trust identified Lender as America 's Wholesale Lender and Stated that XXXX '' ) was acting solely as a nominee for Lender and Lender 's Successors and assigns '' and was ". I was giving an " Adjustable Rate Rider '' ranging from 8.5 % XXXX 2 years, 10 % interest payment XXXX XXXX ), 11.50 % ( payment XXXX ) and 12.875 % ( from payment XXXX to the end of the loan ). In XX/XX/XXXX I purchase a home with a mortgage loan XXXX {$370000.00} and XXXX {$90000.00} mortgage with the same company. 

I am not sure what happened where I stand right now my children are going to be homeless to the fact that your company refused to modified my loan. Worst thing that when I thought they were in the process of modifying my loan instead they decided to foreclosed and sold my home without notifying me the process. I believe my note is an Unendorsed Note by XXXX. My loan documentations is an open book XXXX XXXX XXXX XXXX XXXX. 
Green tree and Bank XXXX when i asked to speak to someone regarding because of my language barrier i get the run around. I went to the court they informed me that they have a court date on XX/XX/XXXX @ XXXX. And they stated that your home was sold since XXXX we do not have to contact you or serve you. If you received the Writ that means you was notified. I received the Writ thru regular mail dated XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I attempted to make a purchase for a vehicle. To my surprise, the dealer explained that I had an identity theft fraud status. He stated I would need to get rid of some things on my report. I purchased my consumer report and saw so many inaccuracies and damages on my report according to 15 USC 1681, which is a defamation of character & causing personal injury to my me and my family. I also was affected in the XXXX Data Breach. I have then applied for an identity theft PIN code, locked my SSN, sent letters multiple times, received no response within a 30 day time frame. I also filed a complaint with FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter for you to notify to remove those items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again. The following items are inaccurate and needs to be deleted : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX Balance : $ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX, FL XXXX XXXX Balance : $ XXXX XXXX Balance : $ XXXX XXXX XXXX Balance : $ XXXX & XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX XXXXXXXX XXXX XXXXXXXX Balance : $ XXXX XXXX Balance : {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX  XXXX Balance : $ XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

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

1. 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by moreover than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer 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

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX late open XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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 XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXXLvnv funding LLC are debt collectors... they buy bad debts... .they have no legal standing to contact, discuss, demand, nor report anything on my credit report. They do not have the original agreement binding their Company and Myself to ANY lawful contract. They are act unlawfully, and fraudulently... posing as the original creditor.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX, Account # XXXX has violated my rights. 

Under 15 USC 1681 Section 6002, states I have the right to privacy. 

15 USC 1681 Section 604 A Section 2, also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666 B, states a creditor may not treat a payment on an account under an open end consumer credit plan as late for any purpose
Product: Student loan

I have contacted Navient on XX/XX/XXXX via email in regards to what is the name of the debt collector that owns my private student loans that were originally with Navient. 

I was a United States XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX and made payments while I was a volunteer, the payment amounts were {$50.00} US dollars which was deducted from my readjusted living allowance. 

I have struggled to secure a full-time job from XX/XX/XXXX-XX/XX/XXXX. I would like to know who I should contact about my private student loans that were originally owned by Navient. I have made payments of {$25.00} in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I would like to work out a feasible repayment plan on my loans. I would also like to know what my options are for repayment on private loans once I begin a graduate program in the XX/XX/XXXX. 

I am attaching my repayment history with Navient and the email I sent to them via the contact email address they provide on their website. No one from Navient has responded to my email since XX/XX/XXXX. 

Navient can contact me at the following mailing address XXXX XXXX XXXX XXXX, IL XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries on my report were unauthorized.   XXXX   does not want to investigate in to the situation for you.
Product: Debt collection

XXXX XXXX the security company repeatedly tried to collect on a bill that was never owed. I had service with XXXX when they overbilled me by {$250.00} claiming that they paid it to secure a permit for my alarm with the XXXX county Police. I have called them requesting that they produce evidence substantiating a permit application or payment in conjunction with the alleged application. In fact I have had such a permit with XXXX County Police that I paid XXXX for the past four years. I believe that they intentionally lied and misrepresented the fact that they applied and wanted to wrongfully charged me for money that was never owed. I immediately complained and they sold and transferred the account to a third party, when I complained to the third party they assigned the account to another debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX ; XXXX Account # XXXX ; US DEPT ED Account # XXXX ; DPT EDXXXX Account # XXXX, DPT EDXXXX Account # XXXX ; XXXX Account # XXXX, Account # XXXX ; XXXX  Account # XXXX and XXXX Account # XXXX have 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 an account without my written instructions
Product: Debt collection

They have called me before XXXX, called my family member 's saying they are looking for a reference but its to collect a debt, and I asked them to send me in writting about my student loan. 

Last week I got a letter XXXX witj XXXX logo that my wages were going to be garnished. I called the number and it was the harassing Pioneer Credit Recovery. 

I said I thought this was to get caught up on my loan directly to the government not a debt collect and they put me on hold.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit reports with XXXX, XXXX, XXXX TRANSUNION and discovered several inaccuracies that are negatively impacting my creditworthiness. Specifically, incorrect personal information including addresses, incorrect employer information, as well as erroneous, inaccurate, and incomplete account information including : account number, account type, high credit, date of last activity, payment history, number of months ( terms ), and date last reported. These inaccuracies have resulted in adverse consequences such as being denied credit, unfavorable loan terms, and experiencing financial hardship due to limited access to credit. 

Attached to this complaint is a copy of my credit report from MyScoreXXXX highlighting the inaccuracies and discrepancies on my XXXX, XXXX, and TRANSUNION consumer reports, as well as additional supporting documentation noting the denial of credit and unfavorable loan terms instated as a result.
Product: Credit card or prepaid card

XXXX XXXX is the bank in which I have a XXXX XXXX Account. A couple of years ago my credit limit was increased to {$800.00} when I did not make a request. This increase caused my credit score to drop 30 points without any reason. I filed a complaint with CFPB against all 3 credit bureaus and neither credit bureau could answer why that occured, basically citing proprietary reasons. Over the last 2 years XXXX  has consistently lowered by available credit when I have requested an increase. Most recently XXXX  indicated that my credit reports were the reason why they lowered my available credit. I do not have any delinquent accounts or late payments. I have paid XXXX  as required. My contention is XXXX, like XXXX XXXX and other banks are doing this in an effort to force consumers to seek other credit products. Currently my account appears to be maxed out after a recent purchase. XXXX  changed my available credit from {$700.00} to {$520.00} after I made a payment of {$300.00} on XX/XX/2019 and a purchase of {$200.00} on XX/XX/2019. Now my available credit is {$22.00} which has the effect of a maxed out account. XXXX XXXX identifies/suggests many credit card products and now loans to " fix '' my credit. Recently I filed a complaint against XXXX XXXX for holding my {$320.00} payment which they released after I filed my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

For your consideration, All three credit bureaus have incorrect phone numbers listed on my credit report. Because my changes of phone numbers have been numerous over the decades this could place me in a vulnerable position in society for companies reviewing my credit using filters on number of phone number changes. 

Unfortunately, there are hidden and unfair forms of stigma and discrimination in society one of which involves XXXX box algorithms which filter according to categories such as numbers of changes of phone numbers. 

Such XXXX box algorithms are hidden forms of stigma and discrimination on the part of lenders and other companies reviewing my credit. To protect my right to privacy from these and other unethical forms of practice until these come under greater regulatory scrutiny please remove from all of my credit reports mention of previous phone numbers in accordance with the Fair Credit Reporting Act. 

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 States a consumer reporting agency can not furnish an account with my written instructions which none of the three major credit reporting agencies have obtained from me.
Product: Debt collection

To the Consumer Financial Protection Bureau : I XXXX XXXX, now files a complaint against a collection agency that has acquired information pertaining to a business that has been closed for well over seven ( 7 ) years. The XXXX of XXXX realizes that there are mandates for the collection of state fees for corporations to remain in good standing. These fees, once unpaid for one ( 1 ) year automatically dissolve a corporation or limited liability company originally accepted by the XXXX. In the attached letter, a collection agency is very cutely trying to show that they are trying to collect a monthly withholding tax, which is ludicrous enough. The Federal Trade Commission realized that trying to maintain a reasonable collection system in the country is impossible without legislative measures from Congress, an act that has been voided since Congress is moved only by lobbyist from various banking concerns and the thousands of collection agencies nationwide that can not be regulated. However, this collection by an entity known as The Allen Daniel Associates , Inc. is so corrupt and a threat against me personally or my driver 's license, that this agency should be permanently barred from acquiring information from the XXXX Department of Revenue. It may be possible that the XXXX has no idea that such a collection activity even exists, or that this state agency in in collusion with a collection practice that steps far beyond Fair Debt Collection Practices Act guidelines. One thing is certain, the corporation has been closed for far more than one year, and that there was never a withholding tax instituted by the XXXX of XXXX. I demand that all demands for payment cease and desist by this small-time collection agency known as The Allen Daniel Associates , Inc., and that this information from the XXXX of XXXX Department of Revenue be purged permanently. There is legal precedent on my side, and this threat by a collection agency on fictitious numbers and on claims that can no longer be legally enforced is a disgrace to the measures enforced by the Federal Trade Commission ( FTC XXXX XXXX XXXX XXXX XXXX - 2009 ) I demand that this collection agency be sanctioned by the CFPB and that the XXXX of XXXX be warned that these threats of illegal collection actions be shut down immediately. I will follow up with a complaint to the XXXX, both in the XXXX of XXXX XXXX as well as the state of XXXX if I do not have all collection actions permanently closed out within ten ( 10 ) business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I am not happy to see the below items that are still showing in there even though I have informed you that they are in accurate and njurious to my score. I am the only one who can validate this debt, according to congress I am the original creditor. I do not validate this debt. Congress law states that legally this account is supposed to be removed from my credit report promptly.