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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C. 1681c-2 and to request that this information be blocked. I have enclosed a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT NUMBER : [ Report Number ] ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
The following information on my credit report is the result of identity theft and should be blocked : Collections and Charge-off Accounts : ACCOUNT NUMBER AND FRAUDULENT INQUIRIES : DATE OPENED XXXX. XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$620.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$590.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX o Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$660.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX XXXX XXXX XXXX XXXX Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$3000.00} o Status : Derogatory ( Charge-off ) XXXX. XXXX  XXXX o Account No. : XXXX o Date Opened : XX/XX/XXXX o Balance : {$460.00} o Status : Derogatory ( Charge-off ) Fraudulent Inquiries : XXXX. XXXX Commercial Banks - XX/XX/XXXX XXXX. XXXX Commercial Banks - XX/XX/XXXX XXXX. XXXX Auto Dealers, XXXX - XX/XX/XXXX XXXX. XXXX Commercial Banks - XX/XX/XXXX XXXX. XXXX XXXX Bank Credit Cards - XX/XX/XXXX XXXX. XXXX Personal Loan Companies - XX/XX/XXXX XXXX. XXXX Commercial Banks - XX/XX/XXXX XXXX. XXXX Commercial Banks - XX/XX/XXXX XXXX. XXXX Commercial Banks - XX/XX/XXXX XXXX required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point I may request an extension of the block. During the block, you may not report that my report no longer contains any fraudulent information. I have called the bureau several times reporting these fraudulent accounts on my report, and XXXX has not wanted to give me a solution to this problem, which has severely affected my ability to acquire a new house for my children. These collections were removed and not verified by other bureaus. I do not understand how you can say that these accounts are mine, so I demand that you send me all the documentation proving that this information is accurate. I have requested contracts from this company with my information, and for more than 60 days, I have not received any response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected, consumer rights to privacy and confidentiality under 15 USC 1681 XXXX Loan number XXXX XXXX XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX Balance {$25000.00} XXXX XXXX XXXX  Account XXXX Balance {$20000.00} XXXX XXXX XXXX XXXX Account numberXXXX Balance {$19000.00} XXXX XXXX Account numberXXXX Balance {$12000.00}, all has violated my rights 15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 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. 1681 ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I obtained a boat loan in XXXX of 2017 through Bank of the West ( BOW ). Never missed a payment. In XXXX, when the pandemic started, they started a loan assistance program where i could defer my payment for three months and extend the loan terms for three months, with the understanding my principal balance would still accrue daily interest during deferral period. Three payments were deferred, XX/XX/17, XX/XX/17 and XX/XX/17. I resumed my payments on XX/XX/17. My XX/XX/17, XX/XX/17, and XX/XX/17 were all applied as one hundred percent interest and zero to principal. I have disputed this with Bank of the West as this was not what was verbally explained to me on a recorded phone call. I initially reached out to BOW on XXXX with regards to this matter and all they could say was this was correct. I wanted a recording of the call and they said they would research and make it available which they have yet to do. I asked for an updated amortization schedule proving the interst had accumulated and they have not provided. I have had 11 email correspondence and four phone calls with a total wait time on the calls of over 2.5 hours. Here is my last correspondence where i had to manually calculate the interest and show them they are wrong. I need help as they are very slow to respond and are not willing to provide the necessary help in order to correct this matter. 

Based on what I have researched. If you are telling me my loan accrued daily interest for the three months with the principal balance being {$22000.00} at the time I accepted the deferral program, with my interest rate being 5.74 %, my daily interest should be calculated at approximately {$3.00} per day. If I deferred payment for 90 days, my interest accrual should be approximately {$320.00}. I resumed my payment of {$210.00} on XX/XX/17 and 100 % went to interest. My XX/XX/17 payment of {$210.00} was applied as 100 % to interest. My XX/XX/17 payment of {$210.00} was applied as 100 % to interest. 

By my calculation, that is {$640.00} that was applied straight to interest from XXXX. This is NOT correct. I only accrued {$320.00} in interest. I need someone to spell it out. I am also tacking on three deferred payments on the back end of the loan ( as YOUR attached email describes ) so the amortization should have evened this out over the life of the loan, not on the front end after the deferred payments. I do not understand this and I should not be the one having to figure it out.
Product: Credit reporting or other personal consumer reports

I have been dealing with ongoing Identity theft issues for several years at this point. To no avail... I continue to find things on my credit report and receive calls about accounts that dont belong to me and that have presumably been opened fraudulently
Product: Credit reporting, credit repair services, or other personal consumer reports

none of the following accounts are mines! 
I haven't applied to any of these accounts listed below on the document I have provided this is definitely fraud and needs to be removed off my credit eclectically when it's not my doing. the payment status data listed on some of these are mismatch compared to other credit reports. data set related inputting of accounts were not XXXX XXXX  compliant. 
somebody had to get my information from somewhere because these are all unauthorize inquiries the i have never even applied for this is not okay.
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 an account without my written instructions. I contacted them after Equifax responded that they verified this information and I was told by the company to contact someone else they dont have the account. How can Equifax say they verified this account and I wrote them and requested verification and they sent an email to contact someone else. If they dont have the account, have any information and cant provide me with proof of this account, my signature establishing that I signed for this account ; how can they report this to my credit repostar?
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex husband and I purchased a XX/XX/XXXX XXXX, and financed it together. 
We divorced on XX/XX/XXXX. 

I have a court order that states he is the sole obligor to pay off the remainder of the Harley-Davidson loan for the motorcycle. 

I submitted a copy of my divorce paperwork to Harley-Davidson Financial Services / Harley-Davidson Credit Corp. 

This copy seems to have been lost, as they no longer have it on file. They also state that a legal court order has no priority over individual financing, and that it does not have to be abided by, as it was a " legal contract '' signed by both parties. I was told that state law does not come before finance law by the representative I talked to on the phone. This was on XX/XX/XXXX. 

My ex-husband is not making payments on the motorcycle, has numerous reverse payments, NSF 's, and late payment fees. All of his payment deficiencies are hitting my credit report, and have been for two years. 

As of XX/XX/XXXX, the account was sitting at 40 days past due, and I placed an inquiry as to whether it could be repossessed. A payment was made by my ex-husband on the same day, for {$400.00}, but the account is still sitting at {$690.00}, and in a past due status. Which has again hit my credit report. 

I have tried settling this issue with Harley-Davison Financial Services / Harley-Davidson Credit Corp numerous times over the last two years. 

I am being constantly harassed by their finance department because my ex husband keeps changing his contact information, and is unreachable. I continue to provide them with up-to-date contact details for him, but they insist on calling me relentlessly, sometimes reaching 5-6 calls a day.

I have asked Harley-Davidson to remove the deficiencies from my credit report, but was told that a court order isn't adequate in their eyes, and that I am still responsible. 

I have also submitted appeals to the credit bureaus to have the deficiencies removed from my credit history as well, but to no avail. 

A cease-and-desist letter has also been mailed to the Harley-Davidson Financial Group / Harley-Davidson Credit Corp.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please consider this a formal request to investigate and correct the following inaccurate items on my credit report issued by your agency. These items must be removed in order to show my true credit history. I make this request pursuant to15 USC Section 1681i of the Fair Credit Reporting Act of 1997. As required by the Act, I demand that you re-verify each of these items, and that the inaccurate items be deleted from my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried obtaining a credit report from TranUnion I submitted all the required documents and paperwork. I dont have a driver license, utility bill or SSN card to send transunion .IXXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX Kentucky . Someone else used my SSN and got credit in my name so Im trying to disputes all negative things on my credit and get free report sent to me but running into issues and barriers.
Product: Credit reporting or other personal consumer reports

I filed an identity theft report along with my state ID and a bank statement as proof of address. I then notified Equifax that it's identity theft. They were supposed to block all of thos accounts from my credit report within XXXX working days. They did block all expect XXXX. That one they did not block I was told it would take an extra day. They never did block it and made we wait 30 days and said they verified it was my account. The account in question is with XXXXXXXX XXXX XXXX which I NEVER opened and there's no way possible they verified it cause I never signed anything. Equifax violated federal law. If they blocked the other accounts then they errored in not blocking the XXXX XXXX XXXX. They can't just pick and choose when I supplied all information that it was identity theft. I do have proof of all of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

A Capital One business account is being recently reported on my personal credit report in my personal name that I am unaware of that the credit bureau stated is reporting as of XX/XX/2023 but opened 1 year ago XX/XX/2023 without any details or information
Product: Checking or savings account

On XX/XX/2020, I noticed that unauthorized transactions totaling {$5600.00} from my BankMobile Checking Account. The notes on the transactions said the merchant name was " XXXX XXXX XXXX. '' I tried to login to my XXXX account but it would not let me. I will attach a screenshot of what it looked like. It closed my account due to suspicious activity. The hacker changed my primary email on the account. It will not let me login and I have emailed XXXX several times since XX/XX/2020 but have gotten no help. I will also attach the response from the email from XXXX. Their ID/security automation has not worked since XX/XX/2020 so I have still not been able to access my account. It is also my business account. I run an online business, and I have not had access to my business for over 2 weeks now. I disputed the transactions through each of my banks. XXXX XXXX notified me of a fraud alert so the transaction never went through. XXXX XXXX XXXX XXXX only approved one payment but marked the next transaction as a fraud alert for suspicious activity and have refunded the money. BankMobile allowed 5 transactions with a total of {$5600.00} to be completed without notifying me via text, call, or email. That amount is double of what I can spend on a daily basis so I am not sure why these transactions were allowed or why I was not notified. After 10 business days, I was notified by Bank Mobile that my claims were denied. There is no option to appeal. When I called, they said the claims were denied because the merchant is responsible ; however, I have zero way of contacting the merchant as I still can not access the account. The bank should have notified me after the second large transactions so I could have frozen my account. I send them an FTC report for Identity Theft. I have contacted the XXXX XXXX XXXX FDIC, attorney general, my personal attorney, and a Consumer Fraud Legal Attorney as well. These transactions overdrew my account. They sent actual payments back that I did authorize so now I have to pay multiple fees for the payments being sent back. These unauthorized transactions cleared my account which is affecting my personal life and business. I have no way of contacting the merchant or anyone at this bank that will speak to me regarding this dispute. I will attach BankMobile 's response to the claim. The only thing they could tell me was to contact the merchant even after knowing I do not have access to the merchant. My personal attorney 's email is XXXX and my Consumer Fraud Lawyer 's email is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent the following information to Transunion. These XXXX loans were discharged due to total and permanent XXXX and I am not liable for them and they should have been removed. XXXX   removed them XX/XX/XXXX. XXXX removed last month on this same dispute however Transunion still sends back verified or updated. This letter was sent along with proof of the discharge, proof of the other removal ( attached ) and has been sent multiple times over the last year and it seems like thie request isn't even read and properly taken care of. This was the XX/XX/XXXX letter ( also attached ) ... 
These old closed accounts are duplicates and Im being reported for derogatory accounts that are no longer derogatory. These 8 original accounts are first reported by DEPT OF ED / XXXX account numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX and then also reported by US DEPT OF EDUCATION account numbers of XXXX , XXXX , XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX have been consolidated and duplicated into four new accounts first reported as DEPT OF ED / XXXX account numbers XXXX and XXXX and then also as DEPARTMENT OF EDUCATION/XXXX/XXXX account numbers XXXX and XXXX. These accounts have all been discharged due to total and permanent XXXX and need to be deleted. I have sent this information in for over a year and it appears that this has not been read and deleted as it should. I have sent the proof of discharge as well as the fact that XXXX has deleted all of these accounts for the same reason and needs to follow suit as these accounts are not liable to me and need to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1500.00}, {$8000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

-- AUTO ACCOUNT -- 2. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank/ Care Credit has neglected to close an account that I paid in full on XX/XX/XXXX. They show that a payment has been made in the amount of XXXX but can not verify that it was paid off. On XX/XX/XXXX, I spoke to XXXX, employee number XXXX who accepted this payment and confirmed that my account was paid in full. On XX/XX/XXXX, I spoke with XXXX at desk XXXX after realizing this account was still impacting my credit. She informed me that she could not see this account was paid off and that she would escalate a dispute on my behalf. She could not provide any documentation that this was done. This companys deceptive business practices has proved to be detrimental to my credit score and reporting history, as they are STILL reporting this account to be past due and delinquent. I plan to prosecute this company to the full extent of the law and seek damages if this is not resolved.
Product: Debt collection

In this case, the situation involves an unauthorized collection account by Spring Oaks Capital LLC that appeared on my credit report on XX/XX/2023, for an amount of {$3900.00}. The discovery of this entry occurred recently when I checked my credit report on XX/XX/2023. 

Despite this entry appearing on my credit report, I have not received any prior communication or notice from Spring Oaks Capital LLC regarding this alleged debt. As per the Fair Debt Collection Practices Act ( FDCPA ), the debt collector is mandated to provide certain information to the consumer within five days of initial communication concerning the collection of any debt. This information includes details such as the amount of the debt, the name of the creditor to whom the debt is owed, and a statement regarding the consumer 's right to dispute the validity of the debt within XXXX days of receiving the notice. 

As of XX/XX/2023, I have taken action by drafting and sending a formal letter to Spring Oaks Capital LLC, requesting immediate removal of the unauthorized collection entry from my credit report as it has significantly impacted my credit score without any valid basis. Furthermore, I have informed them of my intent to report this violation to the Consumer Financial Protection Bureau ( CFPB ) and pursue legal actions as outlined in the FDCPA if the matter is not resolved promptly. 

The actions taken by Spring Oaks Capital LLC, as it pertains to my credit report, have not adhered to the provisions set forth in the FDCPA, specifically 809 regarding the Validation of Debts. Despite the appearance of this entry, no communication or validation of the debt has been provided to me within the stipulated time frame. 

Additionally, I suspect that this unauthorized entry could potentially be a case of identity theft, given that I have no knowledge or record of this debt. I kindly request that this matter be also reported as a suspected case of identity theft for further investigation and appropriate action. 

I am requesting assistance in forwarding this information and my concerns to the relevant companies involved, notably Spring Oaks Capital LLC, and would appreciate your support in addressing this matter promptly. 

Thank you for your attention to this issue.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ). Due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act and Regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter to Equifax who confirmed receipt of certified letter on XX/XX/XXXX. Per FCRA law for investigations the credit bureau must reply within 30 days of receipt of letter to the finding of the request. This complaint will show that Equifax did not only reply back in a timely manner to my initial letter and violated federal law as such, but has also failed to provide me with any viable evidence bearing my signature showing that stated public record is correct. 

Since now I have been violated under federal law and my request has not been properly investigated within the required time-frame, I request that Equifax immediately remove any public recording stating Bankruptcy and any account bearing Bankruptcy on my report. Attached you will find evidence of letter sent to Equifax, Certified receipt, and confirmed delivery of letter to them. 

Again, I request that Equifax now remove any public record stating Bankruptcy and any account bearing Bankruptcy on my report, which Equifax has willingly neglected certified receipt of request for investigation and not following the law of FCRA.