23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

SunTrust Bank was running a promotion that told consumers that they would get up to {$200.00} for opening an account with them. My fiance and I opened an account with them at the XXXX, FL XXXX XXXX. We were promised and assured that we would receive the {$200.00} promotion as long as we qualify with at least {$2000.00} in Direct Deposits in a 60 day time period. I have heard this same information from multiple representatives and they have also assured me that I would be receiving my promotion in 6-8 weeks from the time I qualify for it. When I had n't received my money in the time frame mentioned above, I began to question the validity of the promotion by contacting corporate and walking into many branches. I was told the same information over and over again. I am now hearing from a XXXX XXXX in the Client Relations and Support Team that I will only be receiving {$100.00} on a smaller scale promotion. Digging deeper, I found that other complaints that I have tried to address with SunTrust Banks had gotten the lady that opened my account fired. She is no longer able to tell us what she had stated to my fiance and I when we opened the account, and SunTrust " has no record of what was said '' even though there is surveillance in the branch inside of XXXX. SunTrust has also stated on a recorded line that many of their representatives have relayed incorrect information to me. Therefore, I would like to receive the amount of money I was promised and assured of when I opened the account, and I add that those promises were made from more than one representative. I, as the consumer, should be able to believe representatives of this financial institution when they tell me I will be getting money from a promotion, therefore I feel that I should be getting what I was promised as the consumer.
Product: Mortgage

I have tried for almost two years to get the BofA to commit to a refi on my home without putting me through a hard inquiry and denial that will damage my XXXX FICO score. I have home improvements to make to my {>= $1,000,000} home that are important for my health, and a lower interest rate would be very helpful. My mortgage balance is less than {$300000.00}. The bank has lied repeatedly about and throughout the process. The bank sold my homes mortgage to XXXX XXXX without any initial disclosure. Their story changes every time they feel like it since the CFPB nor the OCC have any teeth to make them financially responsible for their subterfuge and discrimination. About a year ago I spoke with BofA refi specialist XXXX XXXX ( XXXX ) who told me that I could not get a refi regardless of my hi FICO score ( XXXX now ) or the fact that Ive been paying my mortgage faithfully and on time for over forty years and have no plans to move. They would not qualify me for income. The loan is obviously secured by my huge equity and I am secured by my excellent credit. How does the banks position of no refi for a XXXX responsible woman make any sense?
Product: Credit reporting or other personal consumer reports

I have several addresses and telephone numbers on my credit report that is not associated with me. I also noticed several different names on my report as well
Product: Credit card or prepaid card

Barclays/JetBlueacc # XXXX in name : XXXX XXXX XXXX The last time that I used was XX/XX/23 to go to my mother funeral. At the en of XXXX the bill came fort the air ticket plus an amount that I paid for previous month plus late charge. I paid the full amount XXXX. I did not want to pay the late charge fee. On XXXX the bill came for XXXX plus XXXX. Annual fee. I paid everything except the annual fee and I asked in a note to close the account. They never said anything but sent on next month again annual fee plus another late charge. I cut the credit card in half and included with a note that I have requested XXXX months ago to close the account. The bank never pays attention to XXXX request and keep sending bill adding late charge. I called serial times explaining the problem but never do anything. The bank wants me to pay a fee that for a service that I cancelled since XX/XX/23.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Product: Checking or savings account

I had my bank account that had been in use for 4 years, they infiltrated my bank account, I made a report that there was something very strange in the account and anyway they decided to close my account and I can no longer open an account in another bank
Product: Debt collection

I looked and reviewed my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts XXXX XXXX XXXX XXXX Account XXXX : # XXXX, are not complete and accurate. 

And one more thing according to 15 USC 1681s-2 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: Mortgage

I have been in foreclosure for about 16 months, in which time I have tried diligently to get a modification, my current rate is very high and the bank has refuse to modification my loan because there equity in the property. they have time and time again ask me to refax document and I have already provided to them only to tell me after 14 months that the loan can not be modified because there is equity in the property.
Product: Student loan

When applying for my student loan, I was under the mistaken belief that the bank would be loaning me depositors money, which it received from its depositors or investors. I have found by researching relevant case law on the matter and reading XXXX XXXX XXXX, published by the XXXX XXXX XXXX XXXX XXXX, that banks create the money I borrowed by using my promise to pay. It generated computer entries to my account, listing the loan as a credit, in effect, creating money out of thin air. 
In none of my transactions with the bank did any officer or employee notify me that the bank created money by a journal entry ( out of thin air ). This is bank fraud. The banks transactions relating to me lacked two necessary elements of a valid contract. 
Perhaps you should be aware of the following : United States Code, Title 32, Section 24, Paragraph 7 confers upon a bank the power to lend its money, not its credit. In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), the court stated : ( T ) he provisions referred to do not give power to a national bank to guarantee the payment of the obligations of others solely for their benefit, nor is such power incidental of the business of banking. A bank can lend its money but not its credit. 
Again in : XXXX XXXX XXXX XXXX v XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX It has been settled beyond controversy that a national bank, under federal law, being limited in its power and capacity, can not lend its credit by guaranteeing the debt of another. All such contracts being entered into by its officers are ultra vires and not binding upon corporation. See also XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
The bank did not notify me that it created money by journal entry ( out of thin air ), defined as bank credit. To do so would have disclosed that there was no consideration from the bank to me. 
A lawful consideration must exist and be tendered, to support the note. See XXXX XXXX XXXX XXXX v XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. 


I hereby revoke, rescind, and repudiate my signature on the original application. The original application was fraudulent on its face, as full disclosure was not provided. The application did not inform me the bank was loaning me bank credit created out of thin air. 
Had the bank so disclosed this fact to me, that I was in fact borrowing bank credit, I would have known that the element of consideration was missing from the contract and would have not entered into that agreement.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 
XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX Source of dispute information : XXXX XXXX XXXX Date Associated with Late Payment : XX/XX/2020 This account is now closed. However I noticed XXXX late payment that is erroneous. 

This item is innaccurate because the CARES AcXXXX provided protection to consumers who were negatively affected during the XXXX pandemic. The XXXX late payment occurred during a forbearance period and according to this ACT, the creditor allowed me to temporarily pause my payment. 

This adverse information has been incorrectly added on my credit report. 

Please reinvestigate this matter and remove the negative payment history from my credit history. 

Thank you for your assistance.
Product: Debt collection

Enhanced recovery did not send me a collection letter before they put this on my credit file. There response would be that they can't find me even though they are reporting it on my credit file. This is collection agency new tricks to put things on your credit report before they notify you in the mail. But I have never received a collection letter with my right to dispute this,
Product: Credit reporting or other personal consumer reports

I have obtained a copy of my credit report and am writing to dispute the following information listed on my credit report with [ TRANSUNION, XXXX ] : Disputed Information : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX This information is inaccurate because there re no records indicating I applied for any products nor proved for any products with any of these companies. 

Pursuant to 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act, I am requesting that you investigate this dispute and promptly correct any errors on my credit report. I have also filed a dispute regarding this information with the credit reporting agency.

Please provide me with a written confirmation of your investigation and any necessary corrections within [ 15 ] days. 

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

1.Account name CB INDIGO/GF Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Closed. 
Status updated XX/XX/XXXX Balance {$0.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$300.00} Highest balance {$700.00} Terms NA I have spoken with them I have sent letters to the credit bureau to the XXXX agencies, I have been saying for years that it is not my account and please delete it and they have not done anything, what they told me the last time I called was that I had to pay so that they would remove it from the credit bureau, which does not seem fair to me because it is not my account. 

2.Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Auto Loan Responsibility Joint with XXXX XXXX Date opened XX/XX/XXXX Status Paid in settlement. {$9.00}, XXXX written off. 
Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$30000.00} Highest balance {$0.00} Terms XXXX  Months On record until XX/XX/XXXX I have never been late on payments, and this car was a TOTAL loss, insurance and GAP paid everything. And this company reports to me that the car was repossessed, reports late payments and reports that the debt was paid for less than the value of the debt. I spoke with a person from XXXX XXXX XXXX XXXX and he told me to excuse them that apparently there was a mistake and that they were going to fix it, but nothing has happened, I sent all the information on the total loss to the XXXX credit bureaus but they didn't do anything either. 

3.Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. 
Status updated XX/XX/XXXX Balance {$1000.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX  Monthly payment {$52.00} Credit limit {$1200.00} Highest balance {$1200.00} Terms NA Payment history XXXX XXXX This company is reporting XXXX late payment to me and I talked to them and they told me that they would fix it and they still haven't done anything.
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 platigrm, 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 ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I had no knowledge that my account was in collections or that your company have sold my account to another company for collections .. plus the damage is on my credit report already .. Name : XXXX XXXX Account Number : XXXX Your account was sold to Jefferson Capital. To make a payment or if you have account balance questions you will need to contact Jefferson Capital at XXXX XXXX XXXX ACCOUNT DETAILS Account Name XXXX Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber XXXX  XXXX ACCOUNT DETAILS Account Name XXXX Account # XXXX Original Creditor - Company Sold - Account Type Revolving Charge Account Date Opened XX/XX/XXXX Account Status Closed Payment Status Charge-off Status Updated XX/XX/XXXX Balance {$0.00} Balance Updated XX/XX/XXXX Credit Limit $ XXXX Monthly Payment - Past Due Amount - Highest Balance - Terms Revolving Responsibility Individual Your Statement - Comments Credit line closed-consumer request-reported by subscriber
Product: Credit reporting or other personal consumer reports

XXXX To whom this concern, Actions were taken to get this resolved, but company refused to take action and respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

These are not my items reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete and correct the following information in my file. I HAVE REACHED OUT NUMEROUS TIMES PERTAINING THIS MATTER IN THE PAST FEW MONTHS!!! XXXX, XXXX AND XXXX ARE REPORTING INACCURATE AND INCOMPLETE CREDIT INFORMATION ON MY CREDIT REPORT. ACCORDING TO TH FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ), YOU ARE REQUIRED BY LAW TO VERIFY, THROUGH THE PHYSICAL VERIFICATION THE ORIGINAL SIGNED CONSUMER CONTRACT, ANY AND ALL ACCOUNTS THAT YOU REPORT ON A CREDIT PROFIL. OTHERWISE ANYONE PAYING FOR YOUR REPORTING SERVICES COUL FAX, MAIL, OR EMAIL IN A FRAUDULENT ACCOUNT. 

I demand to see verifiable proof ( i.e : and original consumer contract with my signature on it ) that you have on file for the accounts listed below. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed below. 
I demand that the following accounts be verified or removed IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : 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 XXXXXXXX
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 XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, 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.

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, credit repair services, or other personal consumer reports

I have sent Equifax my affidavit of fraud concerning this account twice on XX/XX/XXXX and XX/XX/XXXX. I have received no updates other than from XXXX XXXX which shows the  account is being investigated. I am aware a credit bureau is allowed 30-45 days for an investigation, we are long past that. XXXX and XXXX deleted the information after 10 days of my original submission. While talking to Equifax this morning one of the CS people mentioned XXXX. Using XXXX which is known to be inaccurate, is not considered a reasonable investigation, is not acceptable as to your company doing its due diligence and there is case law against using XXXX for investigations. 


( 1 ) This is a closed account that is reporting a credit limit, closed accounts should not show a credit limit. Factual Error ( 2 ) You are reporting late payments years after the closed/charged off date. How can I be late if the account is closed? Factual Error ( 3 ) This account was removed from my Equifax report last year and re-added without the required 5 day notification which is required by law FCRA Violation ( 4 ) I was told by XXXX XXXX XXXX that they could not provide me with physical documentation PROVING the account is mine. How are you keeping an item on my credit without having evidence that it belongs there. You are obligated by law to report only factual information. You can not report factual information without having documentation which I have already been told by the original creditor does not exist FCRA Violation ( 5 ) My credit report dated XX/XX/XXXX ( report number XXXX ) states inXX/XX/XXXX this account was paid on time. You are now reporting it was late in XX/XX/XXXX. That same report shows payments through XX/XX/XXXX. But the account is now reporting as closed XX/XX/XXXX, how can that be? Factual Error If this issue can not be resolved in the next 30 days I will seek damages including but not limited to defamation, and any monetary amount allowed under the FCRA.
Product: Credit reporting, credit repair services, 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. In the event that 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 XXXX XXXXXXXX, GA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I requested the deletion of the charge-off account from my credit report. However, on XX/XX/year>, the company 's reply stating that they are unable to locate a credit file for me raises concerns that need to be addressed. This is in violation because company 's are required under the Fair Credit Reporting Act ( FCRA ) to accurately report and maintain information on consumers ' credit files. The inability to locate my credit file does not absolve your responsibility to respond to my dispute properly and verify or remove inaccurate information. I submitted all required personal identifying information, including [ list any information you provided : full name, address, Social Security number, etc. Because the credit file can not be located the charge-off in question can not be properly validated and should therefore be removed from any records or reports tied to my identity.