23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

RE : State, ex Rel. Attorney General as Notice of Rescission of Signature for Cease and Desist caused by Predatory Debt Collection Operation, I am writing to shed light on a company that I feel is operating unfairly. I see this as unfair and it appears deceptive. I feel I was targeted for unauthorized use of my signature caused by making false and misleading representations due to engaging in various abusive and unfair practices. I am able to fight this but what about the elderly and the infirm who depend on these products or services and are taken advantage of by this type of financing for alleged debts. I do think this is an unfair practice for all consumers. This builds distrust. I will never do business with this dishonorable company again as I feel they failed to provide validation of debts, proof for legally binding signature as a valid contract, and lack of due process as adequate notification of contract changes. This pattern of dishonest practice acts, although maybe legal, is not fair. Please take a look at this companys practices as adverse actions. Please feel free to forward and share this deprivation of rights complaint with the Office of the Comptroller of Currency for full-scale and complete intensive investigations. I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Product: Checking or savings account

Comerica Bank is a predatory lender and should not be allowed to swindle customers through these unfair practices.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024 I applied for a credit card in my name from Regions. I currently am primary on a XXXX w/ my XXXX Over 2 yrs with no late pay, no over draft, once did I go over 75 % of credit limit {$460.00} ) and I paid it off in full within 4 days. In XX/XX/2024 I received a denial letter. 
My complaint is that I was denied by having a XXXX XXXX of XXXX. My Regions app showed a XXXX score of XXXX, I was told XXXX XXXX scored me a XXXX score of XXXX. I received an email from the underwriter to the bank employee. Below is what the I received in the email. Please also read the attached and start with the branch XXXX 's email to the underwriter. 

Good morning XXXX, the score that you are referencing are provided to us by XXXX XXXX which the XXXX score is based on what XXXX scores a consumers credit and from my experience the score provided to the consumer will always differ from the score provided to a lender as lenders can communicate to the credit reporting agency on how they would like their particular products scored. 

My concern is that Regions purposely manipulated my credit score. I have reached out to the branch XXXX, underwriter, and the underwriters supervisor, a VP w/ Regions. Not one time has anyone explained to me the discrepancy in the credit reporting and how there can be such a variance, they are refusing to give me an answer, even when I asked clarification on the above statement that " lenders can communicate to the credit reporting agency how they would like their particular products scored ''. 

Is Regions bank telling XXXX how to score my credit? Again, my app showed XXXX the day of the application and I was told XXXX scored a XXXX. I need help understanding how there can be such a variance with only 4 days above the 75 % limit with no other concerns in over XXXX yrs as a card holder. I've had XXXX XXXX at the same XXXX for over XXXX yrs and I'm a full time XXXX XXXX  on the XXXX 's XXXX. 

I feel Regions bank is discriminating against me for my age and manipulating my score card with them to suit their needs a lender. Not one time has anyone reached out to me to help me understand what the concerns were and how as a customer I could improve these concerns. I'm only trying to build my credit as I'm finishing XXXX. I've done everything correctly with my time as a Regions customer. I will attach the email chain. 
Thank you for your time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX has started to report incorrect and inaccurate account detatils on my consumer credit report and is making false claims that I owe them when infact THEY OWE ME. They were paid in full and they were also paid overages that was supposed to be returned to me but for some reason was never given back to me. XXXX XXXX has also failed to validate this debt when documents were sent to their legal department to rebut this payment and entire transaction. they never responded in the time frame given to them or at all. They are currently in violation of the TRUTH IN LENDING ACT AND THE XXXX principles. They failed to provide full disclosure and the dealer aslo fail to provide the forms for me to rescind my signature at the time of the transaction. XXXX  XXXX bought my contract from the dealership and securitized the VIN # and this is currently being traded on the stock market. I have the XXXX thats attached to the VIN # and they have not made one single divident payment to me in regards to securitizing my retail installment application. I am demanding my divident checks! I owe XXXX XXXX XXXX XXXX nothing, they owe me and I am going to file the taxes on this XXXX. I will be puttingin a XXXX report for a full forensic audit on this account.
Product: Debt collection

I had a bill from XXXX. I receive a letter from EOS CCA to settle this for {$900.00}. Which I paid to them on XXXX. I am now receiving a bill from EOS CCA for the balance of {$380.00}. This is fraudulent, because there was a promised settlement. And I paid the requested amount to have this removed from my credit report.. this is still on my credit report, I disputed it twice with XXXX  to no resolution. I need this removed, and to stop receiving bills. I also sent to the EOS CCA company the copy of the agreed settlement letter and the payment receipt from my bank account. they have not stopped harassing me, and not removed from credit reports as promised.
Product: Money transfer, virtual currency, or money service

XXXX on cashapp card. Cashapp refuses to honor dispute.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app due to inadequate customer service and unfair practices, which violates the consumer financial protection act, specifically cash app failed to timely and effective measures to prevent and added fraud leaving my account vulnerable and unprotected. These actions have cause serious inconvenience and financial loss, and I seek appropriate redress for these violations
Product: Credit card or prepaid card

I tried to make a purchase using my account and was told by the retailer that I was on a hold with the bank and they transferred me to the bank. Bank originally said my account was suspended pending review, I asked repeatedly why it was being review without receiving an answer. I asked to be transferred to a supervisor, who then informed me that the account was actually closed. I asked why it was closed and I was told it was fraud. They stated that I had been sent a letter informing me of the fraud, and that it was closed because I hadn't replied to the letter. I was also told that in order to make the purchase, I needed to reapply and open a new account. I then asked to speak with the complaint department, and instead was sent to a different customer service person who reiterated the exact same information. Nobody at any point was able to tell me why it was closed other than " fraud '', and nobody had any more information. I was told that it was handled by a different department. I asked to be transferred to that department, but was told they were unable to transfer there. I then asked if they had a phone number I could call, but they said they did not. There was no way to contact the department that supposedly make the decisions to close accounts. I then was transferred again, this time to the complaint department after requesting to speak to them. They took my information, and I asked why I hadn't received a phone call. They stated that they sent one letter in XXXX, and then closed my account today. ( which I pointed out is very coincidental considering I was trying to use my card today for the first time ) I am complaining because I only had one attempted contact, via mail, which I never received. They then closed my account with no notice, and no other attempts to contact me by phone or email.
Product: Checking or savings account

Huntington bank locked my accouont while I was ordering something on l ine! 
Now, it is frozen, and I can not use account at all!! And they are closed and ar too cheap to hire people to answer their phone!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

This should be enough to FINE HUNTINGTON BANK ASAP!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! 

And their location in XXXX, Ohio, always has a broken ATM!!! Either you can not deposit a check or cash, or withdraw money!! It is always broken in some way!! 
They are too cheap to get it replaced!!
Product: Credit reporting or other personal consumer reports

DISPUTE OF INACCURATE ON CREDIT REPORT This letter directly incorporates the issues identified in the CFPB lawsuit and references your rights under the FCRA to demand compliance and corrections. 
I am writing to formally dispute inaccurate information that remains on my credit report despite previous disputes filed with your agency. The failure to correct or remove this information after my attempts to resolve it is in violation of your obligations under the Fair Credit Reporting Act ( FCRA ), as recently highlighted in the Consumer Financial Protection Bureau 's ( CFPB ) lawsuit against XXXX ( Case No. XXXX ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has reported unvalidated and unverified accounts on my consumer credit report. I do not have a relationship with XXXX XXXX XXXX or XXXX  XXXX XXXX, XXXX. I do not have a signed contract with the alleged debt collectors. Equifax has violated my right to privacy and failed to properly validate an alleged debt before placing the account on my consumer credit report.
Product: Debt collection

Regarding complaint filed with XXXX on XXXX XXXX in XXXX, Colorado. Company issued citation in XX/XX/2020 stating that I left the XXXX XXXX in XXXX, Colorado and re-entered it three times in 20 minutes. I disputed the citation in XX/XX/2020 via XXXX  and could not find the original complaint in their systems after COVID-19 stay-at-home order was issued across the State of Colorado and in the State of Texas. However, the business did not respond and the complaint was closed. 

The company resent the tolltag violation again and I attempted response through XXXX  and again never received notice of the business responding until XX/XX/2020. I was not on a toll road and do not accept resolution. I am not required to pay fees on toll violations that the business has not proven as mine. 

The company does not have video of any such incident and has continued to harass me via mail regarding a toll road violation it has not proven to be mine. Additionally, it sends information to its XXXX, TX offices which are completely out of jurisdiction and across state lines. 

Complaint ID : XXXX Filed with : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Email : XXXX URL : XXXX : XXXX Date Filed : XX/XX/2020
Product: Debt collection

Im unsure of the information being used for this account but I have talked with the collectors verifying this information does not belong to me and have asked multiple times for them to stop contacting me the information they have on record doesnt not match my information such as date of birth social any of that they are continually putting this charge on my credit after it has already been disputed for the same information and I If i was to get and account through this lender when this account was open it wouldnt have worked because when account was opened I was still a minor and under age so couldnt posess an account
Product: Money transfer, virtual currency, or money service

I was defrauded by two clients. of Bank of America and Bank of America knew or should have known that the accounts were fraudulent. I sent several XXXX dollars by Wire transfer and XXXX XXXX for the purchase of Medical examination gloves to their clients but after they received the payments, they stopped answering my emails and XXXX XXXX messages. I reported the matter to XXXX XXXX XXXX XXXX and I also called the FBI who referred me to the XXXX Police. The XXXX Police filed a report for Fraud and upon investigation, they informed me that the Bank Accounts at Bank of America were fraudulent and they used other people 's identity to open the accounts, but before I made the wire transfers they told me that the Accounts are in the name of the company XXXX XXXX, XXXX and they sent me copy of their instructions. Since the company purported to operate from XXXX and they sent me an invoice with their address, I felt comfortable paying them at Bank of America since it was a local bank. Later, I hired an XXXX Private Detective and they reported back to me. that there is no such company as XXXX XXXX  registered in XXXX and the address is false. There is no such address. Later, I had a call from XXXX XXXX XXXX to come to the Police Station and she informed me at that time that since the accounts are fraudulent, it would not be wise for them to arrest the person whose identity was stolen to open the accounts. They have suffered enough, but I should contact Bank of America and request a WIRE TRANSFER REVERSAL I immediately contacted Bank of America RISK department, but they told me since I am not a client of Bank of America, I should ask the sending Bank to start the claim. I immediately contacted the sending bank XXXX in XXXX, and they sent several emails to Bank of America but to this date, they have not received any response. I urge you to look into this matter at your earliest possible convenience. Sub-joined are the supporting documents. Sincerely XXXX XXXX How can your complaint be satisfactorily addressed? 
Bank of America should return the payments i made to their fraudulent client as they should have known that the accounts were fraudulent Print
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 


XXXX XXXX Account Number : XXXX Inquiry XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The information on my XXXX credit report is mixed with someone else. There is fraudulent information included in my account, accounts that I have never opened, companies that I have never done business with, and apartments in other states that I have never lived in. I'm unable to log in to XXXX since the challenge information does not match any of my previous events.
Product: Debt collection

The debt already was submitted on my report as paid/ charge off I voluntarily made agreement to surrender vehicle XXXX XXXX years ago due to medical reasons XXXX failure going on XXXX and on a fix income social security and they agreed to. The vehicle was sold and majority of debt owed was paid this collection agency brought the loan and submitted a substantial amount owed that was incorrect company should have know rights to my private information nor submitting an inaccurate debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is against XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The mental and physical health is under attack by the stress of this companies ' actions. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.
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.

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 card or prepaid card

we were with Cap One for years we've never used our debt card for a purchase. we were hacked and other credit card companies waived any charges not Cap One we eded up with a loss of {$4200.00} because they believed hacker not a long term customer. we paid because we felt Cap One would ruin our credit if we didn't
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and breach of information. The information listed which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.
Product: Mortgage

Loan estimate was on XX/XX/XXXX XXXX closing - went to XXXX, lender said it was fixed back down to XXXX Payment per month went from XX/XX/XXXX XXXX estimate to XX/XX/XXXX XXXX in pre closure document but now on CD its XX/XX/XXXX. XXXX, this is the 3rd CD I got in a day. First was XXXX a month! XXXX more a month wow. Now lender is saying PMI because of income to debt ratio. Which he had me get a car loan out of my name to get me where I needed and now this. Did that for nothing Companies are union home mortgages and the lender is XXXX XXXX for XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I declared Chapter XXXX Bankruptcy in XX/XX/XXXX Case Number XXXX and the disposition was XX/XX/XXXX. However, on my credit report it shows my two mortgages OCWEN and XXXX discharged in the Bankruptcy as discharged. I have been paying on these two loans every month since the Bankruptcy. Please see attached mortgage interest statements for both mortgages. This is affecting my credit in a negative was. I feel this is incorrect and unfair.
Product: Money transfer, virtual currency, or money service

I was the victim of an elaborate bitcoin investment scam. The fraudulent company is XXXX XXXX XXXX. I will attach a detailed letter about the scam and what happened. I first contacted my bank, XXXXXXXX XXXX, to report the fraud on XX/XX/XXXX but they ignored my email. I have sent multiple letters to their fraud department email and every single one of them went ignored. I emailed them on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called to report the fraud on XX/XX/2022 and they said that they could not help me. I sent a letter in the mail to their corporate office in Minnesota on XX/XX/XXXX as well and I never received a letter back from them. They should have been aware of the fraudulent activity that was happening on my account and that I was scammed out of {$19000.00} in less than a year. They have failed to protect me as a customer by not seeing and stopping the unusual activity that was happening on my account.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and I noticed there are inaccuracies on my account. this is hurting my ability to obtain credit. it is my understanding that you will investigate these items for me to ensure accuracy. 

here is the item I am asking you to verify as accurate Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$88.00} ; XXXX XX/XX/2021.
Product: Debt collection

I received a notice about phone bill collection for phone or service I never had or received. Resulting in a negative mark on my credit that continues to report. I have no knowledge of this debt!
Product: Debt collection

Bill collectors Grant and Weber state that I have an outstanding debt and have filed a report with XXXX causing my XXXX  score to drop XXXX  points. I contacted Grant and Weber and they have no record of my name, social security # or address on file but will not remove the issue.
Product: Student loan

1. I went to XXXX XXXX in New York. I was n't told they were n't an accredited college until a month before my graduation for a XXXX XXXX XXXX. This school did not help me find work which was the only thing they were clear and upfront about in the beginning - " we have great graduate to employment record. You 'll be in a job. '' I graduated in XXXX and did not find a job until XXXX and that was off a program I took in my community that gave good advice. 

2. Capitalization/Subsidizing vs. Unsubsidizing was not explained to me. 

A fraudulent college was working with a greedy lender hand in hand to rob me and many like me blind. 

3. My loan amount was XXXX as of XXXX. I 've been paying loans for 10 years to the amount of XXXX. I still owe over XXXX in loans.