23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE XXXX  XXXX POTENTIALLY NEGATIVE MONTHS Balance details 0 % paid off Balance {$9700.00} Balance updated XXXX XXXX, XXXX Original balance {$8700.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Unsecured Payment summary XXXX XXXX XXXX CO - XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX - CO XXXX XXXX CO PAYMENT HISTORY LEGEND Status Account charged off. {$9700.00} written off. {$9700.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Past due amount {$9700.00} Original balance {$8700.00} Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX 84 Months XXXX sold - Original creditor - Comments- Your statement - Contact info Address XXXX XXXX XXXX  XXXX, GA XXXX Phone number ( XXXX ) XXXX 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
CREDIT DISPUTE NOTES THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following listed inquiries are in violation of my rights : XXXX XXXXXXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX 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 have provided XXXX, XXXX, and Equifax with a copy of my identity theft report.
Product: Checking or savings account

On XXXX/XXXX/2020 I received a statement from TD Bank. It read that I opened a Checking account for {$20.00}. Called TD Bank on XX/XX/2020 to report that I did not open this account. 
I was told that there was a saving account in my name also. Td Bank put a freeze on those accounts. They also told myself that I need to report this to the Federal Trade Commission And Social Security
Product: Mortgage

-I responded to a letter I received in the mail In XX/XX/XXXX I from Capital One ( CAPONE ) offering me a Home Equity Line of Credit.

-On XX/XX/XXXX I received a letter from CAPONE Welcoming me to their Home, summarizing the terms of the approved Line of Credit. 
-With the loan documents I provided CAPONE proof of Flood   Insurance coverage though XXXX XXXX XXXX ( XXXX XXXX XXXX ), a policy valid through XX/XX/XXXX. 
- A letter from CAPONE dated XX/XX/XXXX indicated that the flood insurance on my property had expired, that a new policy had to be presented within 45 days. Another attachment indicated the loan was going to be sold. 
- On XX/XX/XXXX a phone call was placed to CAPONE disputing the validity of the notice of expiration of the Flood policy on my loan. 
- On XX/XX/XXXX, the XXXX XXXX XXXX XXXX policy valid though XX/XX/XXXX sent to CAPONE with the loan documents was uploaded again to their loan portal. 
-On XX/XX/XXXX CAPONE imposed a Flood Policy on my loan through XXXX XXXX XXXX XXXX ( XXXX ) for {$200000.00} with a {$6000.00} premium, valid from XX/XX/XXXX though XX/XX/XXXX. The total dollar amount I borrowed from the line of credit in XX/XX/XXXX was {$16000.00}. 
-On XX/XX/XXXX I received a letter of cancellation from XXXX XXXX policy effective XX/XX/XXXX. 
- As of XXXX/XXXX.CAPONE sold its Mortgages to XXXX   XXXX XXXX XXXX ( XXXX ). 
- As of XX/XX/XXXX XXXX started electronic withdrawal from my bank for interest owed, however the sum withdrawn was in excess of the interest. Numerous calls and letters were placed to XXXX to correct this situation ( XX/XX/XXXX though XX/XX/XXXX ). 
-On XX/XX/XXXX to stop the unauthorized withdrawals I paid the outstanding $ XXXX loan. 
-An additional {$870.00} was requested to cover the balance of the Flood Policy.

-In order to avoid foreclosure proceedings over {$870.00} I also paid this sum and requested immediate reimbursement upon verification of the XXXX XXXX XXXX XXXX policy with expiration on XX/XX/XXXX. 

My complaint : - It turned that Capital One issued a Mortgage with Advanced Clauses instead of the line of credit advertised and authorized. I am in the advertising business. This is illegal practice called bait and switch. A line of credit is not the same as a mortgage. 
That is why upon paying the balance on the loan XXXX closed it. I had opened the line of credit open to finance my business. 
- FEMA confirmed to me that XXXX XXXX XXXX XXXX the company that issued the imposed flood policy is not registered with them. If the {$1200.00} taken from my account did not go to FEMA where did it go? 
-I am still owed {$1200.00} plus interest for funds withdrawn from my bank account without my consent to pay for a flood   policy that was in place.n -Capital One responded in writing that I have to deal with XXXX XXXX XXXX XXXX because they no longer own the loan. 
XXXX XXXX XXXX to date has not reimbursed the {$1200.00} withdrawn from my account to cover the imposed flood  policy.
Product: Credit reporting or other personal consumer reports

I am writing to formally escalate my ongoing issue with Experian regarding the removal of a security freeze on my account. This is my second attempt to resolve this matter, and it has become increasingly frustrating and detrimental to my financial well-being. 

I am currently in the process of securing a loan, and the lender requires the security freeze on my Experian account to be lifted. Despite my repeated efforts over the past month, I have been unable to achieve this due to significant issues with Experian 's customer service and system. 

Here are the challenges I have encountered : Phone XXXX XXXX : The various phone numbers listed on XXXX website all lead to the same automated system. After entering my Social Security number and selecting the reason for my call, I am directed back to the Experian website for resolution. 

Website XXXX : When I log into the Experian website, it instructs me to contact support via phone, creating an endless cycle with no resolution. 

Form Submission Issue : After multiple attempts, I was directed to a page offering a form to upload my request. However, upon accessing the provided upload link, it states that freeze requests can not be processed through that link and redirects me back to the website. 

This process is not only inefficient but also severely impacting my ability to proceed with important financial decisions. I have had no such difficulties with XXXX or XXXX, which further highlights the inadequacy of Experian 's systems. 

I urge Experian to address this matter promptly. Please provide clear, actionable instructions for removing the security freeze or connect me directly with a representative who can resolve this issue. 

The current system reflects poorly on XXXX management and technical processes, and I trust that you will take immediate steps to rectify this situation. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.
Product: Debt collection

I am not sure I checked off the best description of my issue as none really seem to fit. I have several accounts through Synchrony Bank that were in collections. I have faithfully paid the collection agencies each month on time. I recieved a letter today from the collection agency I have for XXXX accounts. They said they are no longer servicing the account and that a different collection agency was. I called that collection agency and they told me that Synchrony had withdrawn all XXXX accounts and that I would need to call them. I called Synchrony and was bounced around from once department to the other and finally was told that they had no information on my accounts and I would need to call back later. Really? I am trying to at least own up to the arrangements I made and now they ca n't tell me anything. I do n't want any threatening calls or letters. I have had more issues with Synchrony than any other agency I have ever worked with. I have no idea who to pay now. The letter I recieved told me not to pay them any more. Well they are automatic payments.
Product: Checking or savings account

This is a NEAR duplicate of Complaint XXXX with additions. I am filing this new one because I was not able to upload documents to the original. It is also not clear which sponsor of Current is the correct recipient of the complaint, so this complaint lists the other sponsor 's address ( it isn't clear which of the two banks listed is their sponsor, or both ). This is yet another problem with Current. Current app doesn't state clearly or disclose whether and how XXXXXXXX XXXX  XXXX XXXX XXXX, or XXXX XXXX Bank is the sponsor, or how these three entities differ in their relation to Current and Current 's customers. 

I opened a checking account with Current a financial technology company, through their sponsor, XXXXXXXX XXXX, XXXX XXXX XXXX, and XXXX XXXXXXXX XXXX During the signup, it offered me a bonus to link my direct deposit to the account. It asked for my employer 's name and address. It provided no disclosure of how that information would be used. After entering the information, I was shown a screen that stated a direct deposit request form with my account information would be sent by physical mail to my employer. I was not given any chance to opt-out or refuse. I do not want this form to be mailed to my employer. I contacted Current by email and made several requests that they cancel this letter and do not send any documents to my employer. I was told this is impossible. I requested management to contact me. No one did. It is not acceptable to force this letter to be sent to the customer 's employer, which the employee has no way to intervene or stop, which will force the Current account to receive the customer 's direct deposit. I demand the right to control how and when my direct deposit is added to receive any payments, and the bank is interfering with my ability to properly manage my direct deposit settings with my employer. This is completely unacceptable, unfair, misleading, and a breach of my privacy. As you will see from the attached screenshots of the process, nowhere does the app tell you it will mail a form or ask for permission. Immediately upon entering the employer 's address, a screen pops up informing the customer that a form will be mailed to their employer.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$0.00} Chargeoff XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$150000.00} XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$35000.00} Late/Open XXXX XXXXXXXX Date Opened : XX/XX/XXXXXXXX  Balance Owed : {$260000.00} Late/Open
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. 

Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against EQUIFAX for Violation of Fair Credit Reporting Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against EQUIFAX for its refusal to remove a charge off account from my credit report in violation of the Fair Credit Reporting Act ( 15 USC 611 ). 

Account Information : Creditor Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date of Charge Off : XX/XX/year> Amount : {$3400.00} I have previously disputed the accuracy of this charge off account with EQUIFAX and provided evidence that the information is inaccurate. However, EQUIFAX has failed to conduct a proper investigation and continues to report the inaccurate information on my credit report. 

Under the Fair Credit Reporting Act, I have the right to request the removal of inaccurate or outdated information from my credit report. EQUIFAX refusal to comply with this law is a clear violation of my consumer rights. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action against EQUFAX for its non-compliance with the Fair Credit Reporting Act. I am seeking the immediate removal of the inaccurate charge off account from my credit report. 

Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in ensuring that EQUIFAX upholds its obligations under the law. 

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

XXXX AND TRANSUNION AND XXXX CONSPIRED TO CHARGE ME FOR SERVICES RENDERED WHEN THEY NEVER RENDERED ME ANY SERVICES. 

I ORDERED XXXX SERVICES ON LINE AND PHONE AND THEY SET A DATE IN ONE WEEK TO SETUP THE SERVICES AND ON THAT DAY XXXX NEVER SHOWED UP TO INSTALL ANYTHING. I CALLED THEM AND THEY SAID SORRY THEY COULD NOT MAKE IT BUT THEY WOULD COME BACK OUT IN ANOTHER WEEK. I TOLD THEM NO THAT I WANTED EVERYTHING CANCEL AS THEY DID NOT HAVE THE COURTSEY TO EVEN CALL ME FOR NOT SHOWING UP AND I DID NOT WISH TO DO BUSINESS WITH SUCH A POOR COMPANY. THEY NEVER CAME TO MY HOUSE PERIOD FOR ANYTHING. 

NEXT I CALLED XXXX AND THEY SAID ALL WAS CANCELLED. 

THAN I GOT REPORTED TO THE TWO CREDIT COMPANIES. AND WROTE BOTH CERTIFIED LETTERS TO NO EFFECT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX Balance Owed : {$200000.00} XXXX XXXX Balance Owed : {$200000.00} XXXX XXXX Balance Owed : {$200000.00} Consider this as a follow-up to my previous complaint.
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. 

Account name : 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 1681c. ( 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) : I am a victim of identity theft Consumer Name : ( XXXX XXXX ), 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 XXXX 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 account opened at XXXX {$510.00}. 
XXXX. XXXX XXXX XXXX {$500.00} ( collection account ) XXXX. XXXX {$7800.00} XXXX. XXXX XXXX XXXX {$45000.00} XXXX. XXXX XXXX XXXX {$5300.00} 6. National credit adjust {$1500.00} ( collection account ) 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 # ( private case number ) 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 or other personal consumer reports

I am writing to address a matter of significant concern regarding the status of an underlying obligation associated with an account held with your corporation. It has come to my attention that the original instrument of the said underlying obligation has not been provided, rendering it impossible for the obligation to be made payable. Therefore, I am demanding immediate action on your part. As per the terms and conditions governing such matters, it is imperative that the original instrument be provided for an obligation to be considered valid and enforceable. Given the absence of the original instrument in this instance, it follows that any and all obligations pertaining to any and all payments are null and void. Consequently, I hereby request that you promptly take the following actions : Remove any and all obligations of payment associated with the account pertaining to my person. Immediately delete the tradeline associated with the aforementioned account from being reported to any and all consumer reporting agencies. Failure to comply with this demand within a reasonable timeframe will leave me with no choice but to pursue legal avenues to enforce my rights. Moreover, please be advised that Barclays Bank Delaware will be held liable for damages resulting from any further reporting or attempts to collect on this invalidated obligation. I trust that you will give this matter the urgent attention it requires and take the necessary steps to rectify the situation promptly. Should you require any additional information or clarification, please do not hesitate to contact me at the above-mentioned contact details. Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am writing to formally request the suppression of my personal information from your databases. Due to concerns regarding privacy and the security of my personal data, I would like to exercise my right to control the dissemination of my information. 

Please ensure that my personal data is not shared or sold to any third parties. I request that you confirm the suppression of my data in writing within XXXX  days of receipt of this letter. Below are my details for your reference : Should you require any further information to process my request, please feel free to contact me directly. I appreciate your prompt attention to this matter and look forward to your confirmation that my personal data will no longer be processed or shared. 

Thank you for respecting my privacy and assisting in the protection of my personal information. 

Sincerely,
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX I am writing to dispute fraudulent information on my credit report in accordance with 15 U.S.C. 1681c-2, and to request that this information be blocked. I have attached a copy of my Police Report/FTC Identity Theft Report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2, when a consumer provides an identity theft report, credit bureaus must block any information identified by the consumer as a result of the identity theft within XXXX business days. 

The following information on my credit report is the result of identity theft and must be blocked : Account | Account Number | Date Opened XXXX XXXX  XXXX | XXXX | XX/XX/XXXX Inquiries XXXX XXXX  | XX/XX/XXXX As required by 15 U.S.C. 1681c-2, please block this fraudulent information from my credit report immediately. This information must remain blocked for XXXX year, after which I can request an extension. During the blocked period, no fraudulent accounts or inquiries should be reported. 

I have contacted TransUnion multiple times regarding these fraudulent accounts and inquiries on my credit report, and no solution has been provided. I am deeply affected as this information is not mine and it is harming my creditworthiness. I request all documentation proving that these accounts and inquiries are legitimate. I have requested a response from this agency, and after more than XXXX  days, I have received no response. 

Please assist me in removing these accounts and inquiries immediately. I am attaching the FTC report, hoping it will help you make a better decision regarding my situation. Thank you. 

Sincerely, XXXX XXXX XXXX