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

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$3500.00} XXXX  Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX  Original creditor : XXXXXXXX XXXX XXXX  XXXX Balance : {$87.00} XXXX  Original creditor : XXXX XXXX XXXX XXXX Balance : {$390.00} XXXX XXXX
Product: Mortgage

Ocwen Loan Servicing and its California attorney XXXX have responded to my consumer complaints with nothing but lies. You Ocwen XXXX want a fight, you got one.
Product: Debt or credit management

Paid for service twice with company and they did not produce services.
Product: Debt collection

they claim i owe a debt but they have yet to verify the debtshow me proof of ownership that authorizes for them to collect this debt.full account history with transactions and statements.a copy of a signed contract or agreement that says im obligated to pay this debtand their licensing and registration information as required by the relevant state and federal laws.
Product: Checking or savings account

Hello, I hope this email finds you well. 

I am writing to formally address the ongoing issues I have faced in attempting to obtain a reissued close-out check from BMO. This matter has caused me significant distress, and despite my efforts to comply with your requirements, the situation remains unresolved. 

To provide context : My business bank account ; Account name : XXXX XXXX XXXX XXXX, Account number : XXXX, Bank Address : XXXX XXXX XXXX, XXXX, MO XXXX was closed on XX/XX/XXXX, and I received a close-out check for {$130000.00} in the last week of XX/XX/XXXX. I have a photo of the check as proof. 
Unfortunately, shortly after receiving the check, I suffered a serious medical emergency involving bleeding blood vessels in my brain, which left me hospitalized and in a coma for several months. I regained consciousness in XX/XX/XXXX and began working to rebuild my life. 
During my recovery, I misplaced the check and contacted BMO in XXXX or XX/XX/XXXX to request its cancellation and reissuance. I completed and returned the lost check documentation as instructed. 

Verification Issues Since then, I have encountered repeated obstacles related to verifying my identity : I was sent an ID Declaration form to be notarized and submitted alongside my ID card and the notary 's business card. 
My initial submission was rejected because it was notarized remotely, despite no prior communication about requiring a " wet '' signature. 
I obtained a physical notarization and resubmitted the documents in XX/XX/XXXX, after which I was assured the process was complete and that I would receive the reissued check within a few weeks. 
The check never arrived, and upon calling in XX/XX/XXXX, I was told that I had not completed the verification process. 

Current Situation I was asked to repeat the ID Declaration form process for the third time, and due to additional surgeries and being relocated to a new recovery home, I have only just been able to submit the notarized documents again as of XX/XX/XXXX. I have also been told by two agents that I need to call back for verification or visit a branch in person. 

As I am XXXX XXXXXXXX, it is not feasible for me to visit a branch. This repeated back-and-forth has greatly impacted my health and caused immense frustration. I have complied with all requests multiple times, including notarization requirements, and yet my funds remain inaccessible. 
Resolution Request I urge BMO to resolve this matter immediately and reissue my close-out check without further delays. At this point, I feel I am being treated unfairly, and this ordeal has been unnecessarily prolonged. If this issue is not addressed promptly, I will : Escalate the matter by filing a formal complaint with the relevant regulatory bodies.

Share my experience on social media to highlight how BMO has mistreated a XXXX, XXXX XXXX XXXX 

I hope it does not come to that and that you will take immediate steps to resolve this issue. Please confirm receipt of this complaint and provide a timeline for issuing the check.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and duplicate reporting of a paid account on my credit report. The appearance of the same account multiple times is not only misleading but a violation of the Fair Credit Reporting Act ( FCRA ), which requires credit bureaus and creditors to ensure the accuracy of the information they report. 

This account has been fully paid and satisfied, yet it is appearing multiple times on my credit report as though it is still active or unpaid. 

This duplicate reporting is causing significant harm to my credit profile by inaccurately inflating my liabilities. These errors are misleading, unjustified, and must be corrected immediately.

Action Requested I demand that : 1. The duplicate entries be removed from my credit report immediately.

Failure to address this matter promptly will leave me no choice but to escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ) and/or pursue legal remedies for violations of the FCRA. 

Please confirm receipt of this letter and provide written confirmation once the corrections have been made. I expect this issue to be resolved within 30 days from the date you receive this letter. 

Thank you for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed XXXX XXXX XXXX XXXX fraud account on my credit file due to fraud. This account is connected to fraud account XXXX XXXX account that has been deleted and is/was fraud as well from my credit file. I have explained and disputed this to XXXX on several occasions to no prevail. XXXX says that it is accurate and it is not! Its a fraud account associated to the fraud account XXXX XXXX account. Please have them to correct/delete this account from my credit file permanently! The most recent dispute was completed on XX/XX/2022. XXXX keeps allowing this same fraud account to continually reappear on my credit file under different names. Please help me stop this vicious cycle.Thank you
Product: Debt collection

They are accusing me of not returning a router that I did return back in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I even gave them the info on the receipt after I still got emails asking me to return the equipment. So I called gave the guy the info and he said dont worry I will get this taken care of. Well months go by and I find out they are still trying to get story XXXX $ from me for this equipment that I already returned because it did t work. That is why I requested a different router in the first place. What am I going to do with a router XXXX cant use and has no value to me. I have always paid my XXXX XXXX  and they have proof of that. So I have no motive to keep old faulty equipment. I dont need or want this XXXX  anymore. Im at my wits end. They are abusing me mentally and emotionally, I was XXXX  out by one of their reps. And when I called the debt collector they said they cant help me because they dont see my account. Yet this is what it says on the XXXX XXXX  about my account. It says it was sent to collections which is ruining my credit and they are attempting steal money from me and scenically because I returned the router. XXXX! I will never pay this debt because I do not owe it. I pay my bills. But XXXX not paying for the incompetence of XXXX
Product: Credit reporting or other personal consumer reports

Please remove these unauthorized accounts from my credit report.. 


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: Debt collection

XX/XX/XXXX I'm writing to request this information be removed from my XXXX Credit Report Account. I've been disputing this account since it's been placed on my credit report. 

I lived at XXXX Apartments back in XX/XX/XXXX. When I got ready to move I spoke with XXXX the rental manager at that time. I gave them proper notice before I moved. I also was granted to move before my lease expired. The agreement was for me to clean the apartment and they would keep my deposit and I would not owe the apartment complex any rent. 
This was verbal agreement that XXXX the apartment manager gave me. 
After I'd vacated the premises several months later I started receiving collection notices that I owed {$730.00}. I left voice mail messages to XXXX who was the regional manager, I finally spoke with her and she stated that they kept my deposit, but I still owed money. I disagreed with her regarding any monies owed because what XXXX who was the Manager at the time advised me before I left that I didn't owe the apartment complex any money. I still didn't agree to what had taken place. 
I was still receiving collection notices until I decided to pay this money, because it would affect my credit and me not being able to rent another apartment. 
Before I agreed to pay the collection, I phoned XXXX XXXX   XXXX, I believe I spoke with XXXX XXXX, I wanted to know if I paid this collection would it be deleted off my credit and she advised that it would be in a few months. Well a few months has turned into years. 

I've been disputing this item for several years, and they refused to delete off my XXXX Credit report. I'm writing to your agency to see if this item can be deleted from my report. I've paid the item, but the collection agency didn't remove it like they told me. 

Please review this matter, I look forward to hearing from someone hopefully with good news.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Company accessed my credit files with XXXX and XXXX on XXXX XXXX, 2016. I have written to the company requesting documentation supporting permissible purpose for these inquiries, as well as the Credit Reporting Agencies involved. Neither have produced any documentation to support permissible purpose. Accordingly, these inquiries should be removed from my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report last month and noticed their are some accounts on my report that I do not recognize. I did not benefit from the accounts in any way nor did give anyone permission to use my information.
Product: Checking or savings account

TD Bank has sent me a flyer directly to my name via US Mail with a proposal to open checking and savings account. I have opened Savings account, met all requirements to get a promo bonus and TD Bank didn't credit my bonus on time as per terms of a promotion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting an incorrect coding of the XXXX XXXX XXXX XXXX  partial account number XXXX. They are reporting that I am 60 days late. This account actually needs to be coded as an M1. ( Please see pages 10 and 11 of the attached  credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. If you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXS ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Debt collection

I am being help responsible for a account that is not mine I lost my information and this account was open fraudulently and the company is holding me responsible for the debt
Product: Credit reporting or other personal consumer reports

This is the letter sent to XXXX! 

XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX Dear XXXX, I am writing this letter to dispute certain information that is falsely listed on my the credit report referenced below. 
The collection account redeemed or reinstated repossession of an obligation with XXXX XXXX XXXX is incorrect. The following is the identifying information of the error : Account # XXXX amount XXXX. 
Date of incorrect reporting : XX/XX/XXXX Explanation of my dispute : This account was opened on XX/XX/XXXX for 51 months leased term. It has been 8 years and 8 months now and it should no longer appear as a collection or reinstated ; This is my second request asking your agency to remove the unverified account listed above that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. 

This account should not be listed on my report ; the creditor misreported my account, and all my payments were completed throughout the 51 months lease terms ; This account has not being verified under Section 611 ( 5 ) ( A ) of the FCRA - you are required to promptly delete all information which can not be verified.

Please let me know if any additional information is necessary to remove the redeemed repossession or reinstated from your records. I appreciate your assistance.
Product: Credit reporting or other personal consumer reports

These items in question contain numerous discrepancies, including inconsistencies in the date opened, high credit, credit limit, last reported, comments, date last active, and date of last payment. These errors are not only unacceptable but also compromise the accuracy and integrity of my credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX - XXXX XXXX. XXXX - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Im very upset because I went to home buyer program and did not qualify because there are items on my credit that are not mine. Please remove these items off my report as they are not mine. XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX : XXXX ), XXXX XXXX ( Equifax : XXXX XXXX : XXXX XXXX   : XXXX ), XXXX XXXX ( XXXX : XXXX ), XXXX   XXXX Equifax : XXXX XXXX : XXXX XXXX  : XXXX ), XXXX XXXX XXXX ( Equifax : XXXX XXXX  : XXXX ), XXXX XXXX XXXX  ( XXXX  : XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian several times letting them know that there was unauthorized inquiries on my credit XXXX in a XXXX XXXX Experian business credit I also have a theft report number XXXX XXXX XXXX
Product: Mortgage

Wells Fargo knows that an employee with their company makes me throw up. However, whenever I call their Executive Office phone XXXX, even though I tell the person that answers the phone that XXXX XXXX makes me throw up, they send me to him anyway. Before they send me to him, I ask to speak with their manager. The person who answers the phone always refuses to allow me to speak with their manager. They just send me to XXXX XXXX anyway. Then XXXX XXXX refuses to allow me to speak with his manager, XXXXXXXX XXXX. The last person that sent me to XXXX XXXX and refused to let me speak with his manager was XXXX XXXX. I am requesting that our unjust foreclosure be assigned to someone else. I should not have to talk to someone that has given me improper and incorrect information.
Product: Debt collection

I moved out of an apartment on XXXX, I was never contacted about anything owed. Out of the XXXX  Rent Recovery Solutions placed a collection on my credit without contacting me by mail, phone or email to notify of the money they claim I owe. I was not given the chance to review the supposed debt or dispute it.
Product: Debt collection

Subject : Demand for Immediate Deletion of Collections from Credit Report Pursuant to FCRA and Consumer Law To Whom It May Concern, I am writing to demand the immediate deletion of any collections entries from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically consumer law 15 U.S.C. section 602 ( a ) and 15 U.S.C. 1681 section 604 ( a ) section 2. Upon reviewing my credit report, I have identified collections entries that are inaccurately reported and must be removed promptly to avoid legal repercussions.

I demand the following collections entries to be deleted : XXXX XXXX XXXX XXXX XXXX I assert that these collections entries are inaccurate and violate my rights under the FCRA and relevant consumer protection laws for the following reasons : 1. Violation of FCRA and Consumer Law : The FCRA and consumer protection laws explicitly prohibit the reporting of inaccurate or incomplete information by consumer reporting agencies. The inclusion of these inaccurate collections entries on my credit report constitutes a violation of these laws.

2. Immediate Deletion Requirement : Pursuant to FCRA and relevant consumer protection statutes, I demand the immediate deletion of these inaccurate collections entries from my credit report unless the creditors wish to face penalties of up to {$1000.00} for each violation. Failure to comply with this demand will result in legal action to enforce my rights under the law.

3. Preparedness for Litigation : I am fully prepared to pursue litigation against the creditors and any consumer reporting agencies that continue to report these inaccurate collections entries on my credit report. I have documented evidence to support my claim and will not hesitate to take legal action to rectify this matter.

I demand that you take immediate action to delete the inaccurate collections entries from my credit report and provide me with written confirmation of their removal within [ specify a reasonable timeframe, e.g., 10 business days ] days of receipt of this letter.

Thank you for your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at the address or phone number provided above.
Product: Mortgage

Hello, I 'm having some trouble with bank of America ( my mortgage lender ). They admitted to their mistakes but when it came to fixing my credit from their mistakes they are giving me the run around. I had a auto draft system in place to pay my monthly bills and had no lack of funds at all times. But for some reason bank of America did n't take the mortgage payment off the auto draft, and said we defaulted on payment ( XXXX times ) and our credit was dinged XXXX times because they did that. I 've had this loan for more then XXXX years and have always been on the auto withdraw payment system and never had a problem. I 've always had sufficient amount of fund so i did n't need to ever bother to check. They said originally it was due to lack of funds but we showed the statements that we had sufficient funds. Through many difficult phone conversations, which were recorded by them, ( after speaking with the supervisor ) they finally admitted their wrong doing but they said they ca n't do anything for us in fixing the credit dings. They just gave us an XXXX number to do it ourselves. Id like to report them to you guys because they are not helping us at all clearing those defaults on my credit which was put on incorrectly due to their faults. There were sufficient amount of funds and when they forgot to take it out they made it like it was our fault. the funny thing is they later on did go ahead and took the money like XXXX days later and then again did n't take it out the following XXXX months. this is so frustrating. I 'm signed up as auto withdraw and had sufficient amount funds. what more must I do. I do not want them to just get away hurting my credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reached out to Equifax and XXXX multiple times for multiple months via CERTIFIED MAIL regarding FRAUD ACCOUNTS and FRAUD INQUIRIES. They advised me to file an FTC report which I did. It has been months and no responses nor removals. Spoke to XXXX from the Attorney Generals Office and he is going to dig deeper to see why the reporting agencies are neglecting me and violating my consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I place a fraud alert on my credit file that indicates that if anyone runs my credit, they need to call me to verify and that was not done which violates my rights as a consumer. I reach out to XXXX, and Equifax on more than one occasion to advise them of these unauthorized inquiries and they have done nothing about it. I also have a police report for my wallet being stolen which had some of my personal information in it and I believe that someone has been trying to apply for credit in my name.