23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute Regarding Inaccurate Credit Report Information To all, I am writing to formally dispute an inaccurate account listed on my credit report. The account number in question is XXXX. XXXX  XXXX. I have no knowledge of opening or using this account with XXXX XXXX. This fraudulent account. 

Despite my repeated disputes throughout the past years, I have not received any verifiable information from the data furnisher confirming the legitimacy of this account. This lack of transparency and verification is a violation of my rights under the Fair Credit Reporting Act ( FCRA ) Section 611 ( A ) ( 5 ). The FCRA mandates that credit reporting agencies investigate disputes within a reasonable timeframe and provide verification of disputed information. 

XXXX XXXX : PLEASE INFORM US ABOUT THIS ACCOUNT TO BE VALID ON YOUR END SINCE YOU ARE THE ONE REPORTING THIS TO THE CREDIT BUREAU. BECAUSE THE CREDIT BUREAU MAKES MONEY OUT OF THIS AND DO NOT TAKE INDIVIDUAL PERSONAL INFORMATION SERIOUS THEY ARE REPORTING THIS AS VERIFIED. 

I assert, under penalty of perjury, that this account does not belong to me. I request the immediate removal of this fraudulent account from my credit report. The police report was sent over to your office ; however, you have failed to acknowledge that. Furthermore, I demand that XXXX XXXX, as the data furnisher, and XXXX provide any and all documentation used to verify this account as mine. This includes, but is not limited to, signature, ID, proof of address, and employment record at the time. Without such verification, the account remains demonstrably inaccurate and must be removed immediately. 

Additionally, the credit report fails to display a last payment date for this account after the charge off which shows PAID/ WRITTEN OFF. This omission creates further confusion and hinders my ability to monitor my credit accurately. 

I am frustrated by the repeated dismissal of my disputes and the lack of communication regarding the verification process. Please be advised that I will not accept a generic response stating the account has been verified. I require concrete proof that this account belongs to me before it remains on my credit report. Upload all copies of your response documents here so the Consumer Financial Protection Bureau is aware of any communication going on with your organization regarding this complaint. 

Thank you for your prompt attention to this matter. I anticipate a swift resolution and the removal of this inaccurate information from my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Student loan

I have made several attempts to get my student loans rehabbed due to financial hardships. I initially obtained debt consolidation for my loans but due to being put on XXXX I defaulted when they would not accept a lower payment than XXXX I asked to get on a plan that would allow at least {$5.00} to rehab until circumstances changed & was unsuccessful. I sent letters & completed a deferment as well 3 times Nelnet/XXXX has not been cooperative at all! I can only pay what I can afford & not to mention being coaxed to attending XXXX XXXX XXXX stating it was more affordable than attending state school. I am requesting to get assistance with rehabbing the loan at this time & I am getting the run around. As a taxpayer this is just not right!
Product: Mortgage

This new complaint is for Ocwen Loan Servicing only! 
We received a package from Ocwen on XX/XX/2018. This package, XXXX tracking # XXXX contained what appears to be the original note, original Deed of Trust along with a letter reflecting the loan was paid in full. 
Ocwen, please answer the following questions below so we can understand what has occurred with our loan. 
1st, Why did Ocwen loan Servicing hold our original Deed of Trust when this legal document was suppose to be held by the trustee, XXXX XXXX XXXX? 
2nd, Is Ocwen aware, when the trustee does not maintain the original Deed of Trust, the trustee which is XXXX XXXX  XXXX can not legally enforce the Deed of Trust? 
3rd, Why was our mortgage loan transferred to the trustee several years ago when the trustee, XXXX XXXX XXXX never maintained the original Deed of Trust? 
4th, Did the investor ( s ) receive a certified copy of the original note when the original note was sent to XXXX XXXX XXXX prior to Ocwen purchasing XXXX XXXX XXXX? 
5th, Why did the trustee, XXXX XXXX XXXX, state in writing that our mortgage loan investor was XXXX XXXX? 
6th, Is Ocwen fully aware that XXXX XXXX purchased this loan from XXXX XXXX XXXX   and placed this mortgage loan into XXXX XXXX XXXX XXXX?
Product: Credit reporting or other personal consumer reports

I have sent complaints to the company directly as well as to all XXXX credit reporting agencies. This false incorrect information continues to be reported on my credit reports XXXX, Experian, and XXXX. 

These accounts do not belong to me but yet they continue to report these accounts XXXX account # XXXX XXXX account # XXXX
Product: Credit card

someone opened a lowes account in my name i never ever used or opened lowes i never got anything from them, i disputed this and there telling me i benifited which is untrue this is not mind and thre refusing to remove this from my name i never dealtt with this bank and never will
Product: Debt collection

Revco Solutions has put non-HIPPA compliant accounts on my credit report and claiming that I owe the amount shown. There are three ( 3 ) accounts in the amounts of {$500.00}, {$280.00} and {$1200.00} for which there is no account number, no explanation and no dunning notice. 

Furthermore, Revco Solutions did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information to credit bureaus, they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

Finally, I want to see an agreement with Revco 's client that grants them the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment. and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX XXXX  XXXX and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX, XXXX. 
Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. 
Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all collection activities, including reporting of ; or verifying of this account on my credit reports.
Product: Credit reporting or other personal consumer reports

Sent disputes out for several inacurate accounts weeks ago. Nothing was changed. the accounts are still reporting on my consumer report. These accounts have not been verified and are a violation of the FCRA. PLEASE REINVESTIGATE, BLOCK AND DELETE THESE ACCOUNTS FROM MY CONSUMER REPORT immediately to avoid litigation.
Product: Checking or savings account

Bank of America has blocked my access to my online banking since XXXX. 
I currently live in XXXX and BofA was aware of this, they have all my abroad 's info registered in my bank account profile. 
They insist that I have to go to the US and step into a branch with two forms of ID because I don't have a US phone number where they can send a 4-digits passcode to verify my identity over a phone call. 

Is this really the only way this institution has to verify me over the phone? I just can not believe it. When I opened my account with them I provided all the info they requested and the banker never ever advised that I needed to have an US cellphone line for verification over the phone, and the representative was well aware that I would be abroad the US most of the time.

If the only way for this bank to verify people is having a US number capable to receive their security code ( which sounds even funny, because anybody could hack my phone number or steal my phone and have access to those codes ), they should have made me aware of such thing when they opened my account and filled out all my information.

I believe that they have a lot and enough info about me for doing a verification over the phone. It is unbelievable that I have to take a flight to the US just to show two forms of ID at the branch so I can continue accessing my online banking.
Product: Credit reporting or other personal consumer reports

Subject : Formal Demand for Immediate Deletion of Personal Information & Cease-and-Desist of Data Furnishing, Selling, and Transmission NOTICE TO AGENT IS NOTICE TO PRINCIPAL, NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 
To Whom It May Concern : I am writing to formally demand that you immediately delete all personal information related to me from your database and cease any further furnishing, selling, or transmission of my data. I do not consent to the sharing, reporting, or dissemination of my personal information, and I am exercising my right to opt out under the Fair Credit Reporting Act ( FCRA ) and other applicable federal and state laws. 
Upon reviewing my consumer file, I have identified inaccurate and unauthorized information in your records. Specifically, your company has reported false and outdated data that does not belong to me. This is a clear violation of FCRA provisions and constitutes willful noncompliance under federal law. 
Legal Violations & Liabilities : Your continued failure to delete this information is a direct violation of my rights, including but not limited to : XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) Failure to conduct a proper reinvestigation and delete inaccurate information within XXXX  days. 
XXXX XXXX. XXXX ( b ) Failure to maintain reasonable procedures to ensure maximum possible accuracy of consumer reports. 
XXXX XXXX. XXXX ( XXXX ) Communicating false credit information with knowledge of its inaccuracy. 
XXXX XXXX. XXXX Willful noncompliance with the FCRA, which provides for statutory damages of up to {$1000.00} per violation, punitive damages, and attorneys fees. 
Furthermore, your conduct is consistent with prior legal actions brought against XXXX and similar entities for improper data handling and failure to comply with consumer protection laws. ( See : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX, XXXX ). 
XXXX Actions Required : I hereby demand that you : Immediately delete all personal and inaccurate information from your records. 
Cease and desist any further reporting, selling, or furnishing of my data to third parties. 
Provide written confirmation of compliance within XXXX  days of this notice. 
Failure to comply with this demand will result in immediate legal action, including filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and State Attorney General. Additionally, I will pursue civil litigation for statutory, actual, and punitive damages. 
This letter serves as formal notice of my demand under applicable law. No further warnings will be provided.
Product: Checking or savings account

On XX/XX/XXXX my personal XXXX device was stolen at a shooing center and $ XXXX in fraudulent transactions were made using the bank app on my device. I immediately filed a claim with Bank of America and was given a temporary credits. Fast forward to now, after very little research being done, my claim has been denied and the credit reversed. Essentially, they feel that since the funds were stolen using a device that I own then I am responsible. Even though the device was not in my possession. They also stated that it was my fault for not having my device hidden in my bag, and a passcode on it. Yes, you read correctly. As a victim of a crime, I am being blamed for making it too easy for the criminal to rob me. Not only am I being unfairly blamed for my own victimization, Bank of America is also requiring that I complete my own investigation to prove that my device was stolen, including obtaining 4 month old security camera footage and tracking down the device history from XXXX. They also want written statements from all parties involved. While I dont mind doing the work, I did make one simple request and that was that I be reissued the temporary credit while Im gathering those things as its going to take me quite a bit of time as a one man team, to do the work that Bank of America was not able to do. The bank is refusing to credit my account in the amount of the stolen funds while I go through this process alone. So now my account is overdrawn, my mortgage is due, and a financial hardship has been placed on myself and my family. I feel its unreasonable to expect a customer to navigate the investigation of fraud, however its even more unreasonable to not provide a credit to my account while I do it. Its XXXX. After being a loyal customer with Bank of America since XXXX, they are choosing to leave me hanging out to dry over {$1100.00} during a global pandemic that has left many people struggling financially. Though Bank of America is a XXXX XXXXXXXX DOLLAR CORPORATION that is I more than capable of extending grace to a loyal customer, I am not asking for a handout. Im simply asking for grace and an extension of the account credit while I do the legwork on my end to support my claim.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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.

1. there is some inaccurate information reporting XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current.

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Delete this account. 


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

4. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


5. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX  Account Number : XXXX Delete this account. 


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

7. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

Was affected by covid lost job was originally told all Missed payments would go on to the of the loan. Then they required documentation that was never discussed this went on for over a year then my wife became ill and passed away. California relief will fund {$80000.00} and I need lender to accept difference from me and a statement showing past due under {$80000.00}.
Product: Credit reporting or other personal consumer reports

I am submitting a complaint today to inform you that I have been a victim of identity theft. After researching how to remove the fraudulent items from my report, I found that I need to visit the Federal Trade Commission ( FTC ) at https : //www.ftc.gov to file a report. According to FCRA Section 605B, credit reporting agencies are required to remove any items listed in an identity theft report. Please find the attached documents to assist in the removing of the erroneous information currently on my report. XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX, CA XXXX, XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$35000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Balance : {$520.00} XXXX XXXX XXXX  XXXX XXXX XXXX Balance : {$2300.00}, XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XX/XX/year>, XXXX XXXX XX/XX/year>,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00}
Product: Credit reporting or other personal consumer reports

I am sending this complaint as a follow-up regarding the issue of fraudulent items listed below, which are still appearing on my credit report in violation of federal law. This follows my previous complaint dated XX/XX/2024. I appreciate that some fraudulent items have been removed from my credit file, but upon reviewing my updated credit report, I noticed that some fraudulent items remain, particularly with the XXXX credit bureau. Please remove all the fraudulent items from my file. According to the Fair Credit Reporting Act, 15 USC sections 1681, you are required to remove the listed items in the ID Theft report within the legally mandated time frame. The continued reporting of untruthful information is now affecting my credit. Below is a summary of the fraudulent items still showing on my report : XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX  XXXX XXXX Owed : {$0.00} ; XXXX  XXXX XXXX Balance Owed : {$4100.00} ; XXXX XXXX Balance Owed XXXX {$1200.00} ; XXXXXXXX XXXX XXXX Balance {$17000.00} ; XXXX  XXXX XXXX Balance Owed : {$6500.00} ; XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$2400.00} ; XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX, IL XXXX XXXX
Product: Checking or savings account

I for a account with a XXXX XXXX and was denied membership due to my check systems report. Once I received a copy in the mail. I seen over XXXX inquiries that was not my doing. I have XXXX product with XXXX XXXX. A business credit card. I spoke with a rep this morning. My card was issued XX/XX/XXXX. So XXXX inquiry is legit. I received the product, no need to apply again. There are XXXX XXXX inquiries on XX/XX/XXXX, again XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX again using last four of my ein #, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, It doesn't even make sense. This is obviously and definitely fraudulent activity. I will list the lenders on my report that I did not apply with nor give my permission to do so. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX  XXXX XXXX. XXXX XXXX. XXXX XXXXXXXX. XXXXe XXXX XXXX. XXXX XXXX. XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX. XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. I did not apply at any of these Institutions. This is fraud. XXXX XXXX XXXX XXXX I applied once on XX/XX/XXXX. I was denied membership. That should be the only inquiry from them. I have XXXX secured card with XXXXXXXX XXXX XXXXXXXX XXXX XXXX inquiry on XX/XX/XXXX is legit. I still have the secured card and haven't applied for a credit product yet. All other XXXXXXXX XXXX inquiries are fraudulent. I spoke with XXXX XXXX and XXXXXXXX XXXX XXXX. They both said there's nothing they can do on their end. All inquiries except for the ones I stated are acts of fraud and by law should be removed immediately if not proven to be legit. And that's definitely not going to happen. This is causing me a great deal of hardship on the personal and business side. Nobody in their right mind would do this to themselves. It has to be obvious! Please remove asap. Thank you
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be errors. 

Old/Incorrect Address Reporting : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : Not listed on Experian or XXXX but listed on XXXX as the Year only. 

I demand that these items be investigated and removed as well as updated from or on my report.
Product: Debt collection

I have seen a collection on my credit from Ability Recovery Services for {$990.00}. It is the only collection on my credit and I 've never taken out anything for that amount. It was dated for  XX/XX/XXXX . I disputed it and asked the company to provide me with proof that the debt belongs to me. They ignored my request and re-reported it on my credit stating the debt was from  XX/XX/XXXX  which was when I had initially disputed the debt. Instead of providing me with adequate proof, they instead reported it to the credit bureau incorrectly saying I had opened this debt on the date I attempted to dispute the debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disagree with the accuracy of the account listed below which still appears on my credit report even after your investigation. I would like this item immediately reinvestigated. The inaccuracies are highly injurious to my credit score, XXXX XXXX XXXX. In accordance with the fair credit reporting act public law 91-506, titleVI, section 611 subsections A-D, please provide me with the names and business address of each individual with whom you verified the above, so I can follow up.