23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, I like so many others lost my job XX/XX/XXXX. I quickly found a part time gig which lasted until XXXX of XXXX. During this time I went through and meticulously read my promissory note, mortgage, warranty deed and title paperwork. In XXXX of XXXX I was diagnosed with XXXX XXXX. 

I reached out to my mortgage servicer, New American Funding. They were very understanding, helpful and allowed for me to use all of the available XXXX forbearance via compliance with XXXX XXXX. 

Due to ongoing medical issues I was then offered regular forbearance which I gratefully took advantage of. XXXX told me about the program, XX/XX/XXXX XXXXXX/XX/XXXXXXXX. I was approved and XXXX received close to {$36000.00} from XXXX. 

I started inquiring and requesting documents from XXXX regarding the following : - why is my name written in all caps and to please change to upper/lower in both my note and mortgage. No response- why are they saying they own my loan when the XXXX XXXX website states it owns my loan once necessary information is given. They said XXXX XXXX was the investor. 

- if In return for a loan I received, I promise to pay.. proof that they loaned me money. Specifically I asked for a copy of the cashiers check they gave me or a copy of the check they gave me or the trace ID number if a wire transfer was sent to me or the routing number if an ACH deposit was made. No response. 

I requested the last bullet point on XX/XX/XXXX of this year and it is now XX/XX/XXXX and still no phone call or correspondence from them other than the automatic reply confirming my email regarding this topic was received. 

I am going to send them a debt verification letter as soon as I finish this complaint. 

Financial transactions have receipts and I am asking for your help in obtaining this information from XXXX since they refuse to respond to me. 

Thank you in advance for reading this and promptly contacting NAF to provide the information that I am the real debtor. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX [ Your Phone Number ] [ Your Email Address ] XX/XX/year> To Whom It May Concern at the CFPB, I am submitting this formal dispute regarding inaccuracies in my personal information on my credit reports as provided by XXXX. These inaccuracies have negatively impacted the accuracy of my credit profile, and I am seeking your assistance in resolving these issues promptly. 

Details of Disputed Information : 1. Incorrect Name : My name is incorrectly reported. 
Correct Name : XXXX XXXX XXXX XXXX. Incorrect Address : My current address is incorrectly reflected or missing. 
Correct Address : XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX Steps I Have Taken : I have contacted the credit reporting agency, XXXX, to address this issue but have not received an adequate resolution. The inaccuracies persist, and I am unable to confirm whether the appropriate steps are being taken to update and reflect the correct information. 

Impact of Inaccurate Information : Having incorrect personal information on my credit report poses significant challenges, including potential misidentification, adverse credit decisions, and improper reporting of accounts. This is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to maintain accurate and complete information. 

Requested Resolution : I respectfully request the CFPBs assistance in ensuring XXXX : XXXX. Updates my name to reflect XXXX XXXX XXXX consistently on my report. 
2. Corrects my address to reflect XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX and removes any outdated or incorrect addresses. 
3. Notifies any creditors or organizations that access my credit reports of the updates to avoid further miscommunication. 

Supporting Documentation : I have attached the following to verify my identity and address : A copy of my government-issued ID. 
Proof of address ( utility bill or bank statement ). 
A copy of the credit report showing the disputed information highlighted. 

Legal Basis for My Request : Under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure maximum possible accuracy in credit reports. Failure to do so can result in financial and reputational harm to consumers like myself. I trust that the CFPB will assist in enforcing compliance with these standards. 

Please let me know if further information or documentation is required. I appreciate your prompt attention to this matter and look forward to a resolution. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Have received approximately 25 calls ( which are continuing at XXXX per day ) from Hyundai Motor Finance asking me to contact their collections department. The calls do not ask for anyone by name. 
I have no loan, no lease, and no relationship with Hyundai. I have never owned nor leased a Hyundai automobile. I've never even set foot in a Hyundai dealership. 
I have made several calls to Hyundai Motor Finance asking that the calls stop with no effect. Customer service representatives state that my telephone number does not appear in their system as being associated with any account. I suspect this is incorrect as their automated phone system does appear to recognize my number as it asks me to verify my account with the last 4 digits of my social security number which, obviously, I have not done. 
I have owned this telephone number for at least 20 years and I'm not aware of any problem with identity theft or any type of fraud that would have my number associated with any other identity or financial account. 
I have attempted to contact at least 6 top-level executives of Hyundai Motor Finance / Hyundai Capital America but it appears that their corporate email is set up to block emails from outside their own domain as all emails have resulted in error messages. 
After speaking to someone claiming to be a manager within their collections department I was promised that the complaint would be escalated to the team that handles their call system and that the calls would stop within 48 hours. That was over a week ago and the calls continue on a daily basis. 
I can provide call history of each and every one of their numerous calls and of my attempts to resolve this situation with them.
Product: Mortgage

I have been paying my mortgage on time every month for years. My mortgage contract requires that I escrow taxes and property insurance so the funds are available to pay both taxes and insurance when they are due. My property insurance bill was due on XX/XX/2020 and Mr. Cooper has refused to pay the premium even though the funds are in my escrow account. I have called Mr. Cooper 8 times, faxed a copy of my insurance policy to their insurance department, and begged them to pay the bill. They refuse to pay the bill, are withholding my funds and the bill remains unpaid. This is a default under our mortgage contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the XXXX Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below is still reporting on my Credit Reports and need to delete immediately : XXXX  XXXX XXXX
Product: Debt collection

Southwest Credit Systems is falsely reporting a debt with the credit bureaus. I have no knowledge of this account accept for the reporting on my credit report.When I dispute the accuracy of this information with one bureau it gets deleted and added to another bureau. I did not have a financial contract with this company. Also it looks like this debt falls outside of Statue of limitations for a collection agency to be attempting to collect in the state of CA.
Product: Checking or savings account

My wife and I live permanently in XXXX XXXX- where we have a bank account with Regions Bank. We are currently living for a year in XXXX, where we have already filed a police report ( XXXX ). The XXXX police recommended that we also file a report with you. On XXXX XX/XX/2023, someone -- not us -- cut two new debit cards on our account at Regions bank. On XXXX XXXX, at XXXX, a criminal used the illegal replica of XXXX XXXX 's card at ATM number XXXX at the XXXX XXXX at XXXX XXXX XXXX XXXX  XXXX, FL XXXX illegally to withdraw {$800.00}. Also on XXXX XXXX at XXXX, at the same ATM, a criminal used the card of XXXX XXXX to withdraw an additional {$800.00}. On XXXX XX/XX/2023, at XXXX, a criminal used ATM number XXXX, also a XXXX XXXX XXXX, located tat XXXX XXXX XXXX XXXX in XXXX, FL XXXX, to withdraw an additional {$800.00}. This crime was committed using the illegal replica of XXXX 's card. At XXXX of the same day, a criminal used the illegal replica of XXXX 's card -- at the same terminal -- to withdraw a final {$800.00}. As a result of these unauthorized and illegal activities, {$3200.00} was stolen from our Regions checking account. XXXX reported these illegal transactions on XXXX XX/XX/2023 to Regions, as soon as we discovered them through our on-line banking application. Our bank -- after a very cursory investigation ( my wife had to discover the above information on our own ) -- insists that we carried out these transactions in Florida ; at a time when we were in XXXX Oklahoma, and our legitimate cards were in our possession. The complexities of this operation indicate that this fraud might very well be an " inside job, '' although our bank has no interest in pursuing this matter further. We, however, are hoping that authorities will be able to recover the security footage from the ATMs where the crimes occurred. We hope, as a result, that the perpetrator ( XXXX ) will be identified and brought to justice. We are eager to press charges against the perpetrators. Indeed, we are sure that we have not been the only victims. We are willing to press charges. All that Regions Bank said was that, since these transactions were chip-on-chip they must have been authorized by either my wife or me. My wife was able to find out the information above concerning the times and places of the transaction with remarkably little effort. As the XXXX police told us, it sounds like you have been doing your banks work for them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I submitted dispute letters to Equifax, XXXX, and XXXX  notifying them of the accounts that did not belong to me 60 days ago on XXXX I have yet to recieve a response or credit report. The bureaus are in violation of my consumer rights. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et  seq. ). The disputed items are entirely inaccurate and incomplete, and represents a very serious error in reporting. I request that the misleading information is deleted and a corrected credit profile is supplied to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 

Additionally, I request that the bureaus please provide the name, address, and telephone number of each credit grantor or other subscriber. 

Under federal law the bureaus had thirty ( 30 ) days to complete your re-investigation, yet they have failed to respond. Flexibility was given and I allowed 60 days. Do not delay any further. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

Sincerely yours
Product: Credit card or prepaid card

I received a card and letter in the mail XX/XX/XXXX stating I was pre-approved for a Credit Card with Capitol One, I automatically shredded the document and checked my XXXX XXXX to see there was a hard inquiry for an application with them on XX/XX/XXXX. I 've never applied for this card or company - I am also dealing with Identity Theft with another card/loan company as well. 

Also had issues in the past with this. What should I do? 

XXXX XXXX Cap One XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two account in collection on my credit reports that do not belong to me. The first is Mercantile Adjustment Bureau XXXX for creditor Cirro Energy for {$380.00} made on XX/XX/2022. The second is XXXX XXXX XXXXor creditor XXXX XXXX XXXXXXXX ( XXXX XXXX For $ XXXX called XXXX first and all their systems were down until Monday. Then I called the collector Mercantile Adj Bureau and they told me to call Cirro Energy. I called them and they said I needed to contact the FTC. I found them online and was directed to CFPB. 
These two accounts do belong to me. I assume they belong to two fraudulent names on my credit report : XXXX XXXX XXXX and XXXX XXXX XXXX. 
Both from Texas.
Product: Credit card or prepaid card

I have dispute several times that this card was opened fraudulently and im foing and will do whatever necessary to provide proof i didnt open this account. They have made no attempt asbi have not spoke to one person over the phone in this regards i filed a formal identification theft report with the property department and followed the steps im trwuired to do. This is causing a great deal of frustration and a real inconvenience for me. I just paid off a XXXX XXXX XXXX  house and have no mortage payments i dont need this capital on credit card with a XXXX balance to be the oe and only negative mark on my report its absolutely rediciculous!!!!!!!!!!!!! @ @ i want this removed immediately!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX account was paid and closed in XX/XX/2006 and is still showing as an negative account, it was sold or transferred to a different company, tried to call the # on the credit report, that number is no longer in service and belongs to a different company that pertaining to the original Creditor or agency that my account was turned over to.
Product: Checking or savings account

I opened a joint savings account end of last year approx. XXXX or XXXX at the branch location in XXXX XXXX, NY. The employee stated there's no fees associated with this account. I normally make transfers from my savings to checking. This year in XXXX, I noticed a fee called " excess fee of {$9.00} charged over and over. I did not see this appear on statement or the app until this year. I called TD in XXXX, inquiring about it and the rep stated its fee associated with the account when you exceed the limit. I told the rep how I was informed no fees were associated with this savings, and why is TD charging me without informing me of such service changed? I told the rep I want a full refund of every excess fee of {$9.00} in this joint savings and in my own savings account. No one informed me of this. This is bait and switch service which is illegal and violation of federal rules. The rep gave me {$90.00} but this is less than what TD sneakily took from me. I want all of my money back from every excess fee charge. TD has a pattern and history of stealing consumers money!
Product: Credit reporting or other personal consumer reports

I am writing to dispute the following information that appears on my credit reports from XX/XX/XXXX : Collection account from XXXX XXXX  with account # XXXX and a balance of {$XXXX}. 

XXXX reporting agencies have it as open and XXXX has it as closed. Also, with different dollar amounts. This is inaccurate I want all XXXX bureaus to verify these accounts! 

Next, XXXX account with account # XXXX opened on XX/XX/XXXX with a balance of {$XXXX}. This account was transferred to a debt collector and is still reporting monthly. This is inaccurate Finally, XXXX XXXX XXXX loan with account # XXXX opened on XX/XX/XXXX and a balance of {$XXXX}. This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$XXXX} or delete the negative payment status on this account.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handlings of disputes, particularly in the lights of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX Name Goes Here ), Consumer Social Security Number : ( Private SSN ), Consumer Date of Birth : ( Private DOB ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card opened at XXXX XXXX XXXX XXXX  on XX/XX/XXXX under the account number ( XXXX ), at XXXX  XXXX on XX/XX/XXXX under account number ( XXXX ), at XXXX XXXX XXXX on XX/XX/XXXX under account number ( XXXX ). A personal loan at XXXX XXXX XXXX on XX/XX/XXXX under account number ( XXXX ) XXXX  on XX/XX/XXXX under the account number ( XXXX ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account name : XXXX Date : XX/XX/2021 Account name : XXXX XXXX Date : XX/XX/2021 Account name : XXXX XXXX  Date : XXXX XXXX, XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Student loan

I have a student loan that has gone to a collection agency and they have been repeatedly calling me at work after I have told them repeatedly not to call me at work.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXXXXXX Kikoff, Inc. 
XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX XX/XX/year> Subject : NOTICE OF DISPUTE FOR ALLEGED LATE PAYMENTS ACCOUNT # XXXX To Whom It May Concern, I am writing to formally dispute the late payment notations you have reported on my account for [ specific dates, e.g., XX/XX/year> and XX/XX/year> ]. These notations are inaccurate, unverifiable, and have caused harm to my credit report and financial reputation. 
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), I request that Kikoff , Inc. conduct a thorough investigation into these alleged late payments. Please note that statements or account summaries alone are not proof of late payments. I expect clear, objective evidence demonstrating the legitimacy of the alleged delinquencies, including : 1. Copies of the original payment agreements showing specific payment due dates.

2. Clear records of my payment history, including timestamps showing when payments were received by Kikoff, Inc. 
3. Documentation proving compliance with all federal and state consumer reporting requirements.

If you can not provide accurate and legally sufficient evidence to verify these late payments, I demand that the inaccurate late payment notations be promptly removed from all consumer credit reports. I should not have any late payments reflected on my reports unless they are documented and substantiated with proper evidence.

Please send all correspondence regarding this dispute to the mailing address listed above.

This letter serves as a formal notice of dispute. I expect your response, along with proper documentation, within 30 days as required by law. If this matter is not resolved promptly, I will file complaints with relevant regulatory bodies, as well as pursue legal remedies to protect my rights. 

Sincerely, XXXX XXXX
Product: Credit reporting

I ask them to remove hard inquiries that was mines and also i asked them to provide me with signed documentation from a collection company there 's was not any proof sent to me to show they had any right to collect that the debt or that it was even mines
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications regarding the unverified negative account on my credit report associated with XXXX XXXX XXXX XXXX ( Account No : XXXX ). Despite my repeated requests for deletion and your assurance of an investigation, I have not received any verification or confirmation of the accuracy of this item.
Product: Credit reporting or other personal consumer reports

Can Transunion furnish late payments and Soft and Hard Inquires on my credit report? 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunion Credit Reporting Agency
Product: Credit reporting or other personal consumer reports

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

UNAUTHORIZED INQUIRY : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My cash app was hacked and I called to close my account and they had said they did. Then I call back and someone changed the number on my account and email. I was hacked {$300.00}. This person is now running around with my name and account. I have contacts and money transfers from people. I tried telling cash app and they said there was nothing they could do about it.
Product: Credit card

Account Name Merchant ID Status Date Added XXXX Status XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX who was going to use the software XXXX XXXX. They are the credit card vender for XXXX XXXX. I decided not to use this company and cancelled everything associated with it. This credit card company XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX {$29.00} out of my account monthly until XX/XX/XXXX. That is a total of {$710.00}. I NEVER PROCESSED A SINGLE CREDIT CARD THROUGH THEM. They only agreed to refund the last 3 months. I feel I am entitled to a full refund.