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

I sent request to solve problem with accounts which are not belong to me and never were opened by me. For a long time ago I have already find out this problem with company listed in identity theft. All of these accounts with {$0.00} balance and paid in full, but with lateness and they are not belong to me. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. I dont recognize these debts. It's not my accounts. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

Due to possible inaccuracies in these CRA reports, I must demand that the validation I hereby lawfully request be in the form of a notarized statement by a person with original knowledge of the debt as it was constituted and who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised that I am not requesting a verification that you have my mailing address ; rather, I am requesting validation, i.e., competent evidence that I had some contractual obligation sans consumer protection encumbrance which incurred the original claims associated with this tradeline.

Please know that you have 30 days from the tracked and confirmed delivery of this lawful notice to either answer these demands or to remove the associated negative tradeline notations from the CRA reports. Any other action may constitute evidence of your intent to abridge one or more civil or other constitutional rights. Please be further advised that continued unsubstantiated reporting of possible inaccuracies to third parties may provide a basis for criminal complaints being filed in accordance with FCBA, FCRA, and other federal statutes.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraudulent : XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

TRUIST BANK is in violation of multiple laws set forth by Congress in regards to the following account # XXXX. 15 U.S. Code 1681 a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( TRUIST BANK ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( TRUIST BANK ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agencies ( XXXX, XXXX, XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. TRUIST BANK can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screen shot from the IRS website. By definition, the IRS clearly says a cancelled debt or charge off is income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from TRUIST BANK for the cancelled debt of { { {$16000.00} } } in order to file as ordinary income. Where is my 1099-C TRUIST BANK is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { {$16000.00} }. This is unsatisfactory! TRUIST BANK has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In TRUIST BANK terms and conditions they agreed not to share my information with non affiliates. XXXX, XXXX, and XXXX is not affiliate of TRUIST BANK nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in Federal Law. I have the right to privacy and per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization. I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have written, non written, verbal and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681 s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, in accurate. TRUIST BANK must also refund the remaining balance of the consumer account upon its termination. This is your 7 day notice to return ALL money due from this consumer account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I disputed an account and inquiry made fraudulently on my XXXX account. This is the third time I have disputed this item with XXXX. 
I spoke with Somebody from XXXX and they stated that they did not receive documents that I sent multiple times. 

Fraudulent Account, Name, Addresses & Inquiries include FRAUDULENT ACCOUNT XX/XX/XXXX - XXXXXXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRY : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX ADDRESS XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX - FRAUDULENT NAME XXXX XXXX On XX/XX/XXXX I disputed an inquiry, incorrect names, and address made fraudulently on my Equifax account. 
This is the third time I have disputed these items. 

Fraudulent Inquiry, Names & Addresses include XX/XX/XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Incorrect Name : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to CORRECT a portion of the data in my credit file, yet I have some items passed on that should be investigated. Per FCRA you are expected to correct and update these items.I 've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

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
Product: Payday loan, title loan, or personal loan

On XXXX I spoke with an agent from XXXX XXXX central time. The representative keep repeatedly saying we will send your account out of the office, you havent paid any amount, we will send it to a 3rd party collection agency, we will take action against you, along with other statements which were misleading and threatening in nature. Finally, misrepresenting the amount of money owed. Even though the contract is bull and void due to it being an " Unconscionable '' Contract.
Product: Credit card

Capital One is reporting an inquiry on my credit reports and I never applied for anything with this organization. I am asking for the fraudulent inquiries to be deleted. They were discovered when I saw on XXXX XXXX.
Product: Credit card or prepaid card

The company offered bonus points on gas, food and other purchases for the month of XXXX. I decided to take advantage of the offer for bonus points. I used my card and currently have a balance of {$1100.00}. The company closed my account with no prior notice and in return I lost all the extra points I had acquired. Upon contacting the company I was told that my account was closed due to high risk! Prior to the bonus offer I had not utilize the card since XXXX, nor have I missed a payment. This company is using deceptive practices to lure customers into using their product then penalizing them. Due to the company abruptly closing my account this will affect my credit rating and score in a negative manner.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX & XXXX XXXX  Date of Inquiry XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian Credit Reporting regarding inaccuracies on my credit repot, with one collection specifically. XXXX XXXX XXXX has listed on my credit report inaccurate information. 
This is the correct information, directly from the loan documents. 
1. Date Opened - XX/XX/XXXX I signed document in XX/XX/XXXX electronically *see attached 2. Last Payment - The company shows last payment XX/XX/XXXX but shows {$0.00} and in XX/XX/XXXX shows 120 days past due. If I had made a payment it would have been modified, they clearly state {$0.00} was taken. 
4. In XX/XX/XXXX, I recieved a collection notice with the amount of {$810.00}. Yet the report states it was {$960.00} in XX/XX/XXXX. 
*I have included several documents showing my previous disputes and response from Experian , as well as loan docuemnts. 
I have requested documentation and a response from XXXX with no answer. They have been sent the same documents. I have disputed this XXXX in the last six months. 
I want the correct information provided, with documentation, which both Experian and XXXX refuse to give me. 
I am currently in a class action for Experian and XXXX XXXX for inaccurate information from years ago. They seem to be repeating themselves. 
I understand the collection company verified the acct, but with what? Is there word enough, even when I have loan documents, clearly stating correct date and information. This has been an issue for 2 years, directly impacting my ability to get credit.
Product: Mortgage

Dear CFPB, We would like to lodge a complaint about Figure Lending! They are extorting money. 

We rightfully obtained a Figure HELOC last fall for {$110000.00}, and that money is now being withheld from us without any appeal or recourse. 

We understand the policy of witholding funds due to a steep decrease in home valuation. However, we believe the valuation Figure did is false and inaccurate. The values of homes in our town actually went UP in the last year. 

We and our loan officer with XXXX  XXXX ( one of Figure 's partners who referred us to Figure ) XXXX XXXX, just got off a conference call today, XX/XX/2023 with XXXX XXXX at Figure. XXXX is indicating that they pull a new automated valuation any time a draw is requested. We were not made aware of this when we paid {$4200.00} to have access to these funds. He said there is no appeals process or recourse, and we are now without access to these funds OR a way to appeal the decision, which we believe is due to a false valuation. 

We are under contract with an investment property for which those funds are a down payment and have multiple people counting on us! We had put the funds back just 1.5 months ago after the last draw and no one told us we should keep them in case the redraw was denied! 

We have been a big advocate for the Figure HELOC loan product and am now going to have to speak loudly and publically on social media to warn people NEVER to use this product or this company unless we receive a resolution! Between us we have XXXX followers on XXXX, and will not hesitate to use our large audience as a platform to spread the word. 

This feels like this is predatory. This loan was funded only 6 months ago, and the values in our area ( XXXX, Oregon ) have only gone UP since then. They have not gone down {$80000.00} in just 6 months, which is what the company is saying. This is just not accurate. 

It feels like they are wanting to make us pay the fees for a new loan instead of giving us access to these funds. 

This is NOT acceptable. 

Thank you for your consideration.
Product: Mortgage

Hi, I started the refinancing on my condo on XX/XX/XXXX with Amerisave MOrtgage Co. and I had to give them {$500.00} for the a hold for the application fee which they also said so I don't walk off to another mortgage company. 

I signed the closing document which had fees in section A : Origination Charges : 0.223 % of Loan Amount ( Points ) = {$600.00} Application Fee = {$500.00} After run around for two months and on XX/XX/XXXX I get an email. from Amerisave saying : " The interest rate is still the same but the fee, as of today, is about {$1800.00} higher than what it was when we initially spoke. We can still lock in and move forward if youd like. '' Now in section A : Origination Charges : 0.853 % of Loan Amount ( Points ) = {$2300.00} Application Fee = {$500.00} So on XX/XX/XXXX I started the application with XXXX XXXX  and got a lower closing cost and decided to go with them. I let Amerisave know that due to the rate change and the two months which was there fault I decided to got with a local bank and would like my {$500.00} returned, they replied : " The {$500.00} is a non-refundable fee. The reason that is there is because we have had 14 teams working your file for 2 months now. That money goes to fund those costs. If you want to walk away from the loan you certainly can but the {$500.00} isnt refundable ''. 

It was there fault it took two months and I still didn't get a close date.. 

Thank you! 
XXXX XXXX XXXX : XXXX
Product: Credit card or prepaid card

On XX/XX/2021, my Bank of America credit card had 2 fraudulent transactions from XXXX XXXX worth {$660.00} and from XXXX XXXX {$430.00}. I quickly noticed these and reported them to my bank. 

During that day, I was working from home in my apartment and my roommate can attest to this as a witness. I could also verify this from computer logs. In addition, the physical card was in my wallet the entire time. 

Although Bank of America initially credited the account for them, they quickly reversed it after only looking at one piece of information : that it was chip-based.

They never contacted me to ask for any evidence I could show to prove that it was not me. They never contacted the merchant to ask for receipts or video evidence. 
When I called to dispute, they mentioned the XXXX was completely on me to file a police report, contact the merchants, and try to gather evidence and physically mail it to them. 
They didn't ask me any further questions. 

The fact that they only looked at ONE piece of information and resolved it against their customer WITHOUT ever contacting them is frustrating to say the least. It causes tremendous physical and psychological stress to be the sole person responsible to gather all the evidence needed to prove my innocence. Despite the bank having a " no fraud liability '', they did not attempt to help their customer at all. This is wholly unacceptable.

Just simply contacting one of the merchants revealed purchases made for a giant battery and a chain saw which are clearly suspicious and of no use to me since I do NOT have a yard and currently live in the city.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, Re : Request for removal of Unauthorized Addresses PLEASE EXPLAIN TO ME WHAT IS HAPPENING?!?! I RECENTLY OBTAINED A COPY OF MY CREDIT REPORT AND DISCOVERED THE FOLLOWING INFORMATION TO BE IN ERROR.

1. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX 3. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX Notice, it is a fact, that the affiant is aware, that this INACCURATE, ERRONEOUS, OBSELETE INFORMATION is unauthorized and has been furnished without my consent. There was no permissible purpose and it is a violation of 15 U.S.Code 1681b ( c ) ( 1 ) ( A ) The following information below is the only information that is correct and accurate and is not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act : This violates the Fair Credit Reporting Act Section 1681b ( c ) and is a serious breach of my privacy rights. 

MY CORRECT INFORMATION IS AS FOLLOWS : My correct name is XXXX XXXX XXXX My correct address is XXXX XXXX XXXX XXXX XXXXXXXX, Florida XXXX My correct birthdate is Date of Birth : XX/XX/XXXX I do not want my employer listed! 

There may be other individuals with a name the same as or similar to mine. Creditors may have entered my name incorrectly when requesting my credit report. Regardless, there are forms of my name and addresses that should not appear in my credit file. With the amount of identity theft happening now, I am concerned that someone could mistakenly identify me as someone else, even a person with a similar name to mine. Therefore, I ask that you correct this information by removing any incorrect names and addresses and leaving only my correct name on my file, as stated above. 

I HAVE PROVIDED MY IDENTIFICATION CARD AND SOCIAL SECURITY CARD TO VERIFY MY IDENTITY AND CURRENT ADDRESS. PLEASE NOTIFY ANY CREDITORS WHO MAY BE REPORTING ANY UNAUTHORIZED PAST ACCOUNTS THAT ARE NOT IN CONNECTION WITH THE MENTIONED INFORMATION PROVIDED. 

Please CORRECT the information PER MY REQUEST and REMOVE THE INACCURATE FROM MY CREDIT REPORT AND SEND ME AN UPDATED COPY OF MY CREDIT REPORT TO THE ABOVE ADDRESS IMMEDIATELY!!! 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

THANK YOU Sincerely, XXXX XXXX
Product: Debt collection

I've been disputing this account for months to no avail. I have never received anything at all from HARRIS & HARRIS LTD, NEVER. That is their first violation of the FCRA. They have never responded to any of my disputes or mail, their second violation of the FCRA and a violation of the FDCPA. They have not complied with either of those laws. They have caused me defamation of character, and they have caused me many financial damages!
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 with XXXX XXXX  on XX/XX/XXXX, a collection account opened with XXXX XXXX XXXX on XX/XX/XXXX, and XXXX collection accounts opened with XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, a auto loan account opened with XXXX XXXX on XX/XX/XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, and another personal loan account opened with XXXX, XXXX credit card accounts opened with XXXX  XXXX on XX/XX/XXXX and the other on XX/XX/XXXX, a credit card account opened with XXXX  XXXX on XX/XX/XXXX, a installment loan account opened at XXXX  on XX/XX/XXXX 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 any of the 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: Money transfer, virtual currency, or money service

Re : CFPB Orders Operator of Cash App to Pay {$170.00} XXXX and Fix Its Failures on Fraud. 

Upon reviewing my cash app account I discovered unauthorized fraudulent transactions that took place without my permission, I requested and investigation to dispute the unauthorized fraudulent transactions that took place from my account with cash app support, cash app support denied my request for an investigation and denied my request for a refund for the unauthorized fraudulent transactions that were withdrawn without my permission from my cash app account. Cash app support did nothing and did not do a reasonable investigation and denied my request for a refund please see screenshots