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

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect XXXX : - XXXX  Listed below are the Accounts that are being challenged XXXX - XXXXXXXX XXXX/DEPT OF ED - XXXX XXXX/DEPT OF ED - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX  IN PERSONS OR XXXX XXXX XXXX. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX  XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Prepaid card

Today, XXXX XXXX, 2015, is my payday. I have a Rush prepaid card and I was told last night after being on hold for 2hrs that it will be posted XXXX. Nothing was on the card so i called today XXXX. I was then told my account is pending and my actual payday XXXX. Then I told them today is the XXXX and it is XXXX in XXXX and I still dont see my deposit or the money that was still in the account. They keep blaming it on technical glitches. I was n't informed about any of this via email, text, or mail. If I was informed I would 've stop my direct deposit immediately. Now I may be stranded if this does n't get resolved soon.
Product: Checking or savings account

I have been a loyal customer of Bank of America for over XXXX. I am recently a victim of Fraud/Scam where I lost a lot of my retirement funds. Bank of America should have been monitoring my account more closer for increased withdrawal activity and unusual larger amounts of funds being withdrawals and contacted me in regard to the withdrawals. I reported several unauthorized transactions that I didn't authorize, nor was aware of at the time and they investigated and told me because they were XXXX transactions there was nothing they could do, other than tell me they were sorry & thanks for doing business with us for over 40 years. ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  were both unauthorized charges. I am retired and on a fixed income and I need my funds. The account is closed now, but I had it over 40 years. I sent them various reports I filed the police dept & the FBI.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX  the same one notorious for unauthorized account openings, illegally charging minorities and women higher Apr on auto loans, forcing bank employees of illegally up selling et al, and explained that I have never been late, much to my dismay I applied for a XXXX XXXX account and was turned down because of XXXX XXXX improper and untrue reporting of a 30 day late in XXXX of 2018. This reeks of typical XXXX XXXX ineptitude, I have never been late further I paid off the entire balance without any problems nor lates as judged by my credit report. Hence it was the height of irony I have a 30 day late after complying with all the terms of my account. I had this account for 2 years prior and never not once A LATE. THIS is factually incorrect and XXXX XXXX aside from standard talking points does nothing to correct this. I even tried in Ernest to rectify the matter with them by asking if it was possible to get another card that I would use to show my willingness to continue a business with them, I was told a myriad of excuses that seemingly contradicted the prior csr. At this point I just want the report fixed and report the account accurately, obviously XXXX, Equifax ( who runs private servers on the open internet with admin and password123 leaving millions of Americans private information exposed including my own ) and XXXX  are not going to investigate as they simply parrot what the creditor tells them and don't in fact engage in any meaningful investigation, despite numerous district and appellate courts demanding they do so ( see Summerfield V. Equifax, Diprinzo V. Mbna bank, Experian  Settlement with Fraud victims out of the Federal Court of Illinois ) ; so that's a waste of time. I demand that XXXX XXXX send each reporting agency an update demanding the fix of my report to reflect no such lates. This is actual harm being inflicted, and as such a case or controversy /justiciable harm.
Product: Debt collection

XXXX XXXX XXXX called me on Friday XX/XX/XXXX at XXXX XXXX. I spoke with Al XXXX first. He informed me that he was calling on behalf of XXXX XXXX Bank to collect on a debt in the amount of {$9900.00}. He said my account was in a pre-legal status and the company XXXX had already chosen an attorney in my area if I didnt pay the debt. I told him I couldnt pay the full amount but I could begin making payments. He said your account is currently in a Pre-legal status so you need to pay in full I said what if I dont pay in full? He said then we will refer your account back to XXXX Bank and they will send it to the attorney they have already chosen. I explained to him I can not pay the full amount. He said well I could reduce it down to {$4500.00}. I said I dont have a large amount to pay. I can only make payments. He then put his alleged supervisor on the phone XXXX XXXX. He told me he could get it approved for {$3900.00}. I explained again I dont have a large amount. I can only make payments. He then told me he was looking at my credit report and he could see a XXXX  bank card that had the availability balance on it. Im really not sure HOW he could see my credit report because I did not authorize him to run my credit at all to view my creditors. 
I told him that cars was my husbands and I couldnt use it. He then told me that the full balance is due and asked if I have anyone that could pay it? I said I might could call my parents. So I told him I would call him back. He was very insistent that I place him on hold and call my mom. I told him I couldnt do that. He said XXXX more times. I then told him no and I would call him back. 

Finally I remembered receiving a letter stating the account XXXX was actually placed with a company called Velocity Investments. So I called them and asked about this and they informed me XXXX does NOT have the authority to send my account to an attorney. So they lied to me about that. 

I called XXXX back and spoke with XXXX XXXX again and told him this and he played XXXX and acted like he never gave me that impression. 

Im sure if the recording was pulled it would be proven he did threaten an attorney when they dont have authority to do that since the account is technically owned by Velocity Investments .

Im attaching the letter where they told me they could get me down to XXXX to pay.
Product: Credit reporting or other personal consumer reports

Per the Fair Credit Reporting Act ( FCRA ), the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX. Account Name : XXXX XXXX XXXX XXXX ( XXXX XXXX  ) Account Type : Installment Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account Type : Installment Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX XXXX Account Type : Revolving Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX ( XXXX XXXX ) Account Type : Installment Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXXXXXX XXXX Account Type : Unsecured Date Opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXXXXXX Account Type : Line of Credit Date Opened : XX/XX/XXXX 15 U.S.C 1681 Section 602 ( A ) States I have a right to privacy.

15 U.S.C 1681 Section 604 ( A ) Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 ( c ) Section 605 states : no consumer reporting agency may make any consume report containing any of the following items of information ; any other adverse item of information, other than records of convictions fo crimes which antedates the report by more than several years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information related 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

Dear TransUnion XXXX XXXX, I hope this letter finds you well. I am writing to bring to your attention an issue I have been experiencing with accessing my credit report and freezing my credit profile through your online platform at XXXX XXXX XXXX. Despite numerous attempts, I have been unable to complete these essential tasks online. My Transunion credit file is not updating on sites like XXXX XXXX also. 

I understand the critical importance of regularly monitoring my credit report and taking proactive measures to safeguard my financial information. As a responsible consumer, I value the services TransUnion provides in this regard and wish to utilize them to their fullest extent. 

However, whenever I attempt to access my credit report or initiate a freeze on my credit profile through your online portal, I encounter technical difficulties that prevent me from completing the process. Specifically, [ describe the issues you're encountering - such as error messages, page loading problems, etc..
Product: Credit reporting or other personal consumer reports

Upon checking my report I see accounts i do not recognize XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, Engelhardt v Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 
Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Someone clearly used my information without my authorization. 
Now I am XXXX  XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed. 
This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the midst of COVID-19, I never completed a forbearance application from New Rez at Shellpoint Mortgage Servicing which they processed anyway even though I called to tell them I did not agree to this and have been making all my monthly mortgage payments. It now appears on my credit report which is keeping me from refinancing my house at a great low rate until it gets corrected and shows that my mortgage loan is not in forbearance. It has been almost 2 weeks since initially contacting New Rez when my refi loan  officer told me they could not process my loan until this credit report information was corrected by New Rez. I have taken notes and talked with a number of representatives but keep getting the run around. I have tried to follow their recommendations and emailed the XXXX XXXX XXXX and called and emailed the " authorized point of contact '' person but have been completely ignored by them. I do not want to lose this low interest rate refi loan opportunity and 2 weeks is plenty of time for their error to be corrected. I want this corrected by them immediately!
Product: Credit card

On XX/XX/XXXX, I'd sent Capitol One a billing error. Billing Error amount of {$3500.00}. One of the errors are late payments, under an open-ended consumer credit plan, which is against the law. The next one is security fraud. They are never credited my account for certificate of indebtedness. The company did not credit my account for dividend payment that they have made off my treasury coupon. Via Electronic Transfer Act of the interest of my coupon. My billing dispute past, current or future certificate of indebtedness while under this contract. Also want my securities sent to me via check. They then sent me a letter closing my account. Per 16 CFR 424.1 In connection with the sale or offering for sale by retail food stores of food, grocery products or other merchandise to consumers in or affecting commerce as commerce is defined in section 4 of the Federal Trade Commission Act, 15 U.S.C. 44, it is an unfair or deceptive act or practice in violation of section 5 ( a ) ( 1 ) of the Federal Trade Commission Act, 15 U.S.C. 45 ( a ) ( 1 ), to offer any such products for sale at a stated price, by means of an advertisement disseminated in an area served by any stores which are covered by the advertisement, if those stores do not have the advertised products in stock and readily available to customers during the effective period of the advertisement, unless the advertisement clearly and adequately discloses that supplies of the advertised products are limited or the advertised products are available only at some outlets. 16 CFR 433.3 Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX from requirements of 433.2 ( a ).

( a ) Any seller who has taken or received an open end consumer credit contract before XX/XX/XXXX, shall be exempt from the requirements of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses.

( b ) Definitions. The following definitions apply to this exemption : ( 1 ) All pertinent definitions contained in 16 CFR 433.1.

( 2 ) Open end consumer credit contract : a consumer credit contract pursuant to which open end credit is extended.

( 3 ) Open end credit : consumer credit extended on an account pursuant to a plan under which a creditor may permit an applicant to make purchases or make loans, from time to time, directly from the creditor or indirectly by use of a credit card, check, or other device, as the plan may provide. The term does not include negotiated advances under an open-end real estate mortgage or a letter of credit.

( 4 ) Contract which does not cut off consumers ' claims and defenses : A consumer credit contract which does not constitute or contain a negotiable instrument, or contain any waiver, limitation, term, or condition which has the effect of limiting a consumer 's right to assert against any holder of the contract all legally sufficient claims and defenses which the consumer could assert against the seller of goods or services purchased pursuant to the contract.

[ 42 FR 19490, Apr. 14, 1977, as amended at 42 FR 46510, Sept. 16, 1977 ]
Product: Credit reporting 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 XXXXXXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : 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 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

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 Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX  Account Number : XXXX and 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 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: Checking or savings account

On XX/XX/XXXX I accidentally transferred {$500.00} from a checking account to a credit card account by mistake attempting to put the money in my savings. Since then I have spoke to 14 separate Bank of America employees from the credit department that have all told me different things about when my refund would be available back in my account. on XX/XX/XXXX I was told it would be 5-7 business days, on XXXX I was told it would be 7-10 business days on XX/XX/XXXX I was told it would be 7-10 business days and on XX/XX/XXXX I was told it would be 5-7 business days. Today on XX/XX/XXXX I spoke to seven or eight employees that all had varying stories about my account information. Several told me they could expedite my transfer and I would have it in 24-48 hours. others told me 90 days and one who seemed to make the most sense told me that nothing has been happening due to the transactions canceling themselves out and that I need to speak to a supervisor however the only supervisor available was extremely condescending and basically told me to close my account and they would send me a check in the mail. He also told me that he did not have a supervisor and that he was basically on the board of directors and his supervisor was XXXX XXXX and that she has no phone number or contact information. His name is XXXX employee ID : XXXX I would just like my money out back in my proper accounts and someone from bank of America to tell me that all of my calls have been reviewed and an explanation of how this has occurred that I speak to eight employees in one day and all have differing accounts of a timeframe for repayment. I can be reached at ( XXXX ) XXXX Thank you
Product: Mortgage

I was forced to file emergency bankruptcy to prevent my home from being illegally foreclosed on and sold on XXXX XX/XX/2023. Rushmore violated the Federal Dual Tracking law and did not follow the required servicing guidelines for a VA loan. Now I will have a derogatory mark on my credit for another 7 years. Currently I have submitted my application to the Home Rescue Program and signed the third party authorization. Rushmore has signed up in this program. This program can pay up to 48 months of arrears. Also, the VA has similar options and programs available to modify my mortgage.
Product: Other financial service

wells fargo bank mortgages, forced home owners insurance, stole funds from my acount lotts of excesive charges, set up a acount that idnt no about the bank said it was a funds holding acount, the bank held onto a co signed insurance cheque for damage i had repaired, the bank sent XXXX large checks from my escrow acount to my insurance company that was already paid then sent the returned cheques to a holding acount then put me inforclosure with no missed paymants acount in credit fraud and perjury committed by wells fargo bank crooks
Product: Debt collection

I had to receive XXXX XXXX and stay in the hospital for multiple days. This resulted in a XXXX dollar medical bill from the hospital, I am uninsured. I attempted to apply for financial aid through the hospital but was denied. This debt was then sold to collections. I have spoken with the company and they were unwilling to offer any reduction to this debt, which is no way will I be able to pay or even attempt to pay off with a payment plan. This was not a voluntarily procedures and if I wouldnt have died without it I would have not opted to get the XXXX for fear of medical debt that I could not pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally had put a loan on my credit report and I never had a car loan in my life. Thay said I owe {$12000.00} on a vehicle loan I never seen never signed and wont give me any kind of proof. Im at my end with this because of this I may have to file bankruptcy I owe them nothing and have no way to fix