23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Cares Act - Due to hardship of Covid 19 lock down iam struggling making my mortgage payment On XX/XX/2020 I received a letter from my mortgage company stating a Temporary hardship forbearance plan agreement, in which I was not involved, neither I spoke to them on the phone, neither I agreed to this plan. it was a 3 months deferred with the due date of XX/XX/2020, paying the total amount of XXXX. 
during this time I continue struggling and making my mortgage payment on time. 

On XX/XX/2020 I Email them a letter requesting and demanding for Request for Paused Reamortization Mortgage Forbearance in which I stated to inpound payments for insurance and property taxes and that the accrued interest to be added to the principal balance and to be amortized over the remaining period of my loan, pursuant to federal law. 

I also ask to provide written confirmation of receipt of my request, which they fail to do so, until I contact them XX/XX/2020 and they acknowledge receiving my email and promise to look in to that, and no contact. 

on XX/XX/2020 I contact them requesting againg a resolution in writing and the answer was No that they are not offering any other mortgage relief due to covid 19. they refuse to do it in writing,
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you that I was the victim of identity theft. I researched how to remove the fraudulent inquiries and Personal Information from my report and found that I needed to visit the Federal Trade Commission, or https : //www.ftc.gov, to file a report. Credit reporting agencies are required by FCRA Section 605b to remove or block any inquiries and Personal Information listed on an ID theft report. Please see the attachments for assistance in blocking the incorrect information that is being posted to my report. 

These are the following lists of inquiries and Personal Information that do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ), the credit reporting agencies shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

n 2019 when I was applying for the XXXX XXXX XXXX XXXX, the website was hacked and my information was stolen. Shortly after many accounts starting being placed in my name using the information that was stolen.
Product: Credit card or prepaid card

ON XX/XX/20 YOU SEEM TO HAVE RECHARGED ME FOR MASKS FROM XXXX WITH A GUY WHO INITIALLY DIDN'T SEND THEM TO ME ON TIME, TO THE FACT HE CHARGED ME XXXX FOR WHAT WAS SUPPOSED TO BE XXXX BUT HE MADE SURE IT WAS ONLY XXXX. SO YOU CAN TALK TO THE MERCHANT IN XXXX SINCE YOU DIDN'T WANT TO TALK TO ME ABOUT THE DISPUTE THAT SHOULD STILL BE ONGOING AS I CALLED AND TOLD YOUR CS REP ONCE THEY WERE DELIVERED VERY LATE THAT NOW THERE WAS ONLY XXXX IN THE BOX WHEN THERE SHOULD HAVE BEEN XXXX. SO YOU LET ME KNOW HOW MUCH YOURE GOING TO CREDIT ME FOR THE MISSING XXXX OR ILL CLOSE MY CARD AND REPORT YOU ALL OVER DISCOVER. 
THE CHARGE DISPUTE IN QUESTION IS WHAT YOU JUST POSTED BACK TO ME. XXXX XXXX *XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$36.00} ; XXXX XXXXXXXX Balance : {$36.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed multiple inaccurate accounts they are reporting to my credit report and they have failed to respond to my disputes! These accounts are false and inaccurate! 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I recently filed a complaint with you all regarding a prepaid credit card with XXXX XXXX XXXX. As I stated in the first complaint they kept my money for 2 months before sending the card. I kept asking to return my money so they finally sent the card. I spent my {$400.00} and sent the card back. They kept adding more and more fees, so I called and told them I no longer wanted the card because of all the hidden fees and that I had returned it. I also asked them about all the fees and I no longer had the card. I had preciously settled with XXXX XXXX for a card that a dead family member had gotten in my name for XXXX and asked them would they settle for XXXX since I spent only my XXXX and they had charged me an extra amount for processing fees that I paid up front, I was told to send the XXXX and they also told me that I needed to send them another XXXX which I refused to send since I had given the XXXX plus XXXX processing fees and the XXXX. So they put XXXX on my credit report. after writing you all the first time and closed the account with a XXXX balance,
Product: Debt collection

Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 and 15 USC 1681s-2, I am disputing the accuracy of the information reported regarding the following account. I request immediate correction or deletion of the inaccurate information. Additionally, I demand that you cease and desist from all forms of communication with me, including phone calls, emails, and letters, in accordance with 15 USC 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ). Below are the details of my dispute : Details of Dispute : Creditor/Collector : Midland Credit Management Account XXXX : XXXX Discrepancy : This account is listed as a collection account with a balance of {$1800.00}. The date of first delinquency ( XX/XX/XXXX ) is inconsistent across reports. Payment history reflects collection activity inaccurately without proper record of payments. 

Contract Breach : I am aware of a breach of contract with the original creditor, as they sold the debt to a third-party debt collector, thereby furnishing my personal information without proper notice or my consent. Additionally, I have been subjected to abusive practices throughout the debt collection process. I intend to hold the third-party collector liable for arbitration just as I would the original creditor.

Violations Identified : FCRA Violation : Under 15 USC 1681 ( a ) ( 2 ), the inaccurate reporting of delinquency dates and payment history causes harm to the integrity of the credit reporting system. Furthermore, the misrepresentation of payment activity and delinquency dates breaches obligations outlined in 15 USC 1681s-2 ( a ) ( 2 ), which prohibits the reporting of inaccurate information after notice of errors. 

FDCPA Violation : Cease and desist all communications in accordance with 15 USC 1692c ( c ). Additionally, the abusive debt collection practices violate protections under the FDCPA. 

Relevant Case Law : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), the court upheld that reporting incorrect information is a violation of the FCRA. 

In XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), the court emphasized the furnishers duty to investigate and correct inaccurate information. 

Request for Action : I request the following actions : Conduct a thorough investigation into the inaccuracies outlined above.

Provide me with a corrected report and written confirmation of the resolution.

If you find the information to be accurate, provide me with a detailed explanation and evidence supporting this conclusion.

Failure to correct this information will compel me to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) and consider legal action to enforce my rights under the FCRA and FDCPA. 

Cease & Desist Notice : Effective immediately, cease all forms of communication with me as required under 15 USC 1692c ( c ).

Please confirm receipt of this dispute within five ( 5 ) business days and complete the investigation within the 30-day timeframe as stipulated under 15 USC 1681i . Failure to comply with these requests will result in further action.
Product: Student loan

Navient XXXX {$6400.00} Navient XXXX {$5100.00} Navient XXXX {$10000.00} Navient XXXX {$9700.00} Currently this is with an attorney. Navient never worked with me to adjust amount or consolidate my loans. I have other loans and they have all worked with me to make paying affordable, not Navient. They lied, called to collect at every hour day and/or night. These loans are old going back several years. I am just so frustrated that I had to hire an attorney to mediate, it's costing more then the original loan. 
Attorney : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian to have my XXXX account status report accurately as closed in XXXX and XX/XX/2023. XXXX XXXX discontinued its credit card program and closed all consumers accounts. I submitted documentation to Experian and they failed to update the account to closed status for accurate reporting. 

I want this account status updated accurately as closed.
Product: Credit card

Consumer protection department This is XXXX XXXX I want to receive money {$810.00} I like to complain about amazon.com. I had been use amazon for long times more than XXXX as consumer. And I trust amazon but when I started check the amazon statement that I use it I figure out That I did not refund many items and XXXX XXXX XXXX  that operator promise me to refund it and partial refund and others reason. Amazon copy my ideas and I have not get any kinds of advertising fee and creative fee. I ask for refund to the amazon several time with email and chat but I only got refund several times and I also ask XXXX XXXX XXXX for refund several times with email. But I have not received any kinds of answer. They just decline my amazon credit card without any kinds of explanation suddenly with just send the letter to my house. So I called why did you close my amazon credit card XXXX amazon credit card told me I ask for too many disputes. Thats why they decline without out noticed. And I chat to the amazon.com XXXX close my credit card and amazon operator told me I will contact with XXXX XXXX and try to reach you what happen but I never received any kinds of phone call back. and since than I was keep ask to amazon, I want refund that I have return the product and others but I have not received refund yet when I check the credit card statement but when I check the amazon.com XXXX they issue the credit. I explain all the situation and amazon.com only gave me few of refund. Specially amazon.com keep charge {$2.00} all the times. I ask amazon I only got few of refund not all. It is been several months passed and I want to refund all the money because I do not have XXXX and they use me as advertising me and especially {$2.00} seems to be nothing but it was related with a XXXX XXXX XXXX XXXX  and amazon use it as badly. So, I am going to attach all the file That I have not receive refund. So please help me to refund my money from amazon and the angrier part is I keep send the email and ask for refund the XXXX XXXX are keep advertising themselves with open my privacy and keep push me to buy amazon.com and brag themselves they are rich. Instead of solve the problem they know that I have not get refund and they blame FBI and not gave me refund. Even if FBI did it all the customer wants to get refund that is so irresponsible behavior. {$2.00} and {$16.00} and {$14.00} I do not know how does those kinds of number came out. I am fight with giant and I am alone. Please help me to get refund and in this kinds issue even though I am XXXX XXXX XXXX XXXX I stand up for that so please support me. And I want also retrieve my XXXX XXXX XXXX back they close my account instead of solve the problem. Then who is going to use the Credit card. So I am going to attach the all the file related with this and still amazon keep pulling me down such as XXXX amazon drop off location is in the XXXX and fire extinguisher and the back side is airplane cushion From XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX unauthorized inquiry XXXX XXXX  XXXX unauthorized inquiry XXXX XXXX  XXXX XXXX unauthorized inquiry XXXX XXXX  XXXX unauthori XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. XXXX of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other XXXX I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reporting items that are due to identity theft and per the law need to be removed. The equifax breech has caused years of issues and now XXXX which is ID theft is once again reported. Please remove any information being reported on XXXX accounts immediately. This is against the law and needs to be removed. I have supplied multiple documents to support the breech and claims. I have filed an action with the FTC as well
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX Balance : {$6800.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$2300.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX I, XXXX XXXX Balance {$3900.00} ; XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX
Product: Debt collection

I received a statement from Paypal regarding a pair of children boots I purchased on XX/XX/XXXX for XXXX. I request all my statements to be mailed which was never done. I notified Paypal CSR and spoke w/mgr. I was told statements sent via email, which I do n't read often that why I request paper statements. I was told the purchase of boots was only {$29.00} plus any late fees and interest. I made a payment of {$29.00} on XXXX/XXXX/16 leaving a late fee and interest balance of {$25.00}. I closed the account on XXXX/XXXX/16 after the payment of the boots. Apparently the account was not closed. After my Attorney contacted them via letter I started receiving paper statements. On XXXX/XXXX/16 email statement bal {$64.00}. Paper statement XXXX/XXXX/16 bal {$100.00}. Paper statement XXXX/XXXX/16 {$130.00}. Paper statement XXXX/XXXX/16 bal {$170.00}. Paypal have added exorbitant fees on to the account for a minimal payment of {$25.00} late fee. I agree w/ {$25.00} late fee but not the other fees. 

My Attorneys sent letter XXXX/XXXX/16 & XXXX/XXXX/16 and sending XXXX today. Stating we have reviewed XXXX XXXX account balance and transactions with her. It appears that you have failed to provide a paper statement on her account as requested. Further it appears you have added exorbitant fees on to the account for a minimal payment of {$29.00}. Thus, we would demand that you XXXX out XXXX XXXX account and send her written confirmation of the closing of this account. 

1st letter mailed : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX 2nd letter mailed : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX 3rd letter mailed : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX As of today no response of account being closed from PayPal just statements with late fees and interest.
Product: Mortgage

I fell behind on my mortgage due to covid19 and a household members XXXX diagnosis the same time covi19 started. I got approved for financial help from my county/state for mortgage assistance. The department of human services of XXXX XXXX New Jersey sent a fax of a purchase order that needed to be signed in order for them to release a check. This was sent on XXXX XXXX. My mortgage company has told me 5 different times already that they can see the document that needs to be signed, and will escalate it to the appropriate department. Everytime I call I get the same answer. It is like I am getting a runaround each time with no solution. I already have received some letters from the mortgage company about a foreclosure process. If they would have signed the paper and sent it back to my department of human services, I wouldn't be in this position. I called on XX/XX/2022, again XX/XX/2022, again XX/XX/2022, again XX/XX/2022, again XXXX, XXXX. All these conversations are recorded and saved in their notes, because evertime I call they can see everthing that was discussed. I talked to XXXX, XXXX, XXXX, XXXX, XXXX. I don't know why this is happening. I got your information from my department of human services.
Product: Debt collection

I am receiving numerous calls to my employer and the number they are calling is to my department head. He has asked numerous times to stop calling but calls are still made. They are calling my cell phone demanding that I verify myself with my personal information and when asked who they are they are rude or hang up. They are being very threatening to myself and supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private.

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title. 
Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 


1. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 

3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 5. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Delete this account. 

7. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : 41597 Delete this account. 

8. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

9. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account.
Product: Debt collection

XXXX attained my personal information without my permission. This collection agency doesn't have my verbal or written consent to have possession or disclose any of my personal information. The company violated my consumer rights by sharing unauthorized information with other third parties and reported unverified alleged debt that I refuse ownership or know of. This collection agency refused to follow the law and illegally report this collection to my consumer report. This company refused to respond to any letters I have mailed demanding verification of debt as well as following my cease and desist. I am giving the company XXXX days to remove the collection from my consumer report. If the collection agency refused then I will file a claim with the ohio General attorney 's office to start legal action on the sixth day. This is not an attempt to threaten but to outline my rights as a consumer.