23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against Regions Bank regarding a deeply concerning matter that involves discriminatory practices and the violation of my consumer rights. The details of this matter are as follows : On XX/XX/2023, I applied for a Consumer Credit Grant with Regions Bank, located at XXXX XXXX XXXX XXXX, XXXX, MS XXXX. However, to my astonishment, my credit application was denied with an explanation citing adverse action. I believe that the denial of credit was a direct result of discriminatory practices and a violation of my rights as a consumer under federal law.

Under the Equal Credit Opportunity Act ( ECOA ), it is explicitly prohibited to discriminate against consumers based on factors such as race, color, religion, national origin, XXXX, marital status, age, receipt of public assistance, or the good faith exercise of rights under the Consumer Credit Protection Act. I suspect that my credit application was denied due to internal remarks or alleged debts from another company, which are wholly irrelevant to my creditworthiness or ability to meet my financial obligations. 

This discriminatory action is in direct violation of the ECOA, specifically codified in 15 U.S.C. 1691c, and could potentially render Regions Bank liable for civil penalties under 15 U.S.C. 1692k. Moreover, I am convinced that my rights under 15 U.S.C. 1691 ( a ) ( 3 ) have been violated due to my perceived exercise of consumer rights.

In my previous correspondence with Regions Bank, I have outlined the evidence suggesting that the denial of credit was a result of an unauthorized use of my credit card, which is my social security number. This is a direct violation of XXXX XXXX. XXXX ( I ) and XXXX XXXX. XXXX ( p ), and it demonstrates fraudulent activity on behalf of the bank. 

Furthermore, I firmly believe that Regions Bank is in breach of XXXX XXXX. XXXX, XXXX XXXX. XXXX, and XXXX C.F.R. XXXX, as my credit application was denied without adequate consideration of my ability to repay based on reasonable factors such as income, cash flows, net worth, credit history, and other relevant financial indicators. 

My intent in filing this complaint is to seek a resolution in accordance with my rights and applicable laws. I kindly request the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action against Regions Bank for these violations. Additionally, I seek remedies and compensation for the damages I have incurred as a result of this incident. 

I implore the Consumer Financial Protection Bureau to intervene and ensure that all consumers are treated fairly and equitably. I look forward to your prompt attention to this matter and a resolution that upholds consumer rights and accountability. 

Thank you for your assistance. 

Sincerely, XXXX
Product: Debt collection

Having some issues with XXXX retail store. Rep/store manager was named XXXX at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXX United States XX/XX/2021 I went to check coverage for my home to switch from XXXX. The store manager XXXX promised they would have better service and that I could bring my own device and get a {$450.00} credit with no contract but had to pay a {$120.00} connection fee. Also confirmed that I could cancel once the credit was used which she confirmed. Around XXXX I did just that but a month later I got a bill from XXXX for {$550.00}. 

Contested and XXXX pointed me back to the store, store pointed me back to XXXX and now they've sent me to a collection agency. 

Confirmed the agency wouldn't ding my credit store and they said they wouldn't as " XXXX run their own credit score '' and surprise surprise they dinged it last month. 

Talked to the regional manager for Texas XXXX ( XXXX? ) today and he's now trying to say they aren't at fault. Told him I need a letter head stating what his store manager sold/told me to work through it with the collection agency. 

Also posting this on XXXX reviews
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violatons attached and listed FTC Approves Final Consent Order Against XXXX XXXX XXXX  XXXX For Misleading Consumers About Cost of Cars SHARE THIS PAGE XXXX XXXX XXXX FOR YOUR INFORMATION XX/XX/2015 TAGS : deceptive/misleading conduct XXXX XXXX of Consumer Protection XXXX XXXX XXXX XXXX XXXX XXXX Consumer Protection Advertising and Marketing Following a public comment period, the Federal Trade Commission has approved final consent orders against two XXXX XXXX auto dealers that misrepresented the cost of cars in advertising. 

In XX/XX/2015, XXXX XXXX XXXX, doing business as XXXX  XXXX, and XXXX XXXX XXXX., d/b/a XXXX XXXX, agreed to settle FTC charges that their ads included heavily discounted prices that were not generally available to consumers. 

The consent orders prohibit the dealers from misrepresenting the cost of financing or leasing a vehicle, stating the amount due at signing without disclosing certain lease terms, and failing to comply with Regulation M and the Consumer Leasing Act, and Regulation Z and the Truth in Lending Act. They are also prohibited from stating the amount or percentage of any down payment without disclosing repayment terms and the annual percentage rate. 

The Commission vote approving the final XXXX  XXXX and XXXX  XXXX consent orders was 5-0. 

To learn more, read Buying & Owning A Car. 
The FTC enforces the Fair Debt Collection Practices Act ( FDCPA ), which prohibits deceptive, unfair, and abusive debt collection practices. ... Because certain practices that violate the FDCPA also violate the FTC Act, the FTC also uses the FTC Act to halt unfair or deceptive debt collection practices.
Product: Consumer Loan

Ally Bank defrauded and short changed me by sending a refund for less than what it should have been for a vehicle extended warranty contract. Ally bank not only deducted money for the warranty contract that was never used but instead of charging me {$25.00} cancellation fees, it charged {$50.00} instead. This is fraud and I am sure that there are other unsuspecting consumers that are being defrauded by Ally Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

have filed a dispute regarding public records that don't belong to me and they have refused to remove them. The courts don't verify accounts or report anything to the credit bureaus. The credit bureaus are getting this information via a third party who gets their information from public records that may have incorrect information, I have also disputed inquiries that t weren't permissible and the bureaus are refusing to do an investigation but yet want me to contact the reporting companies. According to the FCRA that isn't my job but the credit bureaus and if they can't be verified they must be deleted. The bankruptcy does't belong to me and any account reporting as such needs to be deleted. XXXX is a third party reporting agency and obtains their information from public records and that information can't be verified and must be deletedXXXX XXXX XXXX XXXX XXXX XXXX XXXX I will upload a letter from XXXX that verifies that the bankrupcy should be deleted as they are a third-party and the courts don't provide any information and XXXX has verified the information is not valid.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the following accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX Balance Owed : {$5.00} XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX  Balance Owed : {$6200.00} XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX  Balance Owed : {$5600.00} XXXX XXXX  Balance Owed : {$7500.00} XXXX XXXX XXXX XXXX  Balance Owed : {$21000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX  Balance Owed : {$11000.00}
Product: Credit card

My credit card was stolen at the end of XXXX XXXX. I called XXXX XXXX to inform them that there were unauthorized charges and my card was compromised. They agreed to dispute the charges and send a replacement card. I received my replacement card. The charges, however were not disputed. I sent a letter in XXXX as well with a copy of the police report to the XXXX XXXX XXXX XXXX XXXX XXXX XXXXddress. I followed up on XX/XX/XXXX as to why the charges still appeared on my account. The representative transferred me to another department, who could not help me and transferred me back to the original department. Nobody on the customer service line seems to be able to understand that I need to dispute these charges, as they were not mine.
Product: Debt collection

I am filing to express my vehement dissatisfaction with the presence of unauthorized accounts on my credit report, which I believe to be a result of identity theft. The accounts in question are creating unwarranted havoc on my financial standing, and I demand their immediate removal. CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. I have undertaken the necessary steps to address this matter promptly, reporting the identity theft to relevant authorities and disputing these fraudulent accounts directly with the creditors. However, the lack of cooperation and information from both the creditors and your bureau is unacceptable. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( USPS ). I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello - I've been disputing items on my credit file since XXXX or perhaps even a little before then. I've been disputing for well over 3 years. At this point, I'm just about ready to litigate as TransUnion has been caught with not properly deleting negative items for which can not be verified. Per Comprehensive Credit Act of 2020, if there are no contracts tied to any of the items to one 's credit report, there should be no items listed. Perhaps they're receiving monetary gain or kickbacks for reporting items illegally. Section 401 of the Credit Act specifically states that no one should be in violation if certain requirements aren't met. There are no contracts tied to ant of these items because I never signed any. If they're stating the opposite, they have not turned any of these items over to me.

There are collection items, one was recently closed but it should be deleted. I don't even know where this bill came from. Is this a misfile with another agency? I have no idea. 

There's a Bankruptcy showing up illegally. XXXX  has spoken with my attorney and they were able to see to it that that was removed as we were ready to pursue litigation. 

TransUnion had the nerve to mail me a letter saying they refused to further dispute. I will not have it any longer. The attached items are things that remain on my credit file for which no contract exists. 

At this point, my attorney wanted me to gather sufficient evidence from our disputing over the years to prove that they are and have been in error. Prior to opening a lawsuit on them I was advised to submit one last dispute via your agency to prove lastly that we've been doing all we could to resolve matters. 

Please see attached items that remain in error. I should be receiving at least {$1000.00} per negative item that remains unlawfully. This should give me about {$7000.00} in total which is more expensive than them removing the items but it's their choice. It seems as though they made their choice. Once I submit my final dispute to your agency, I'll turn over to my attorney as I'm tired of how they're been treating me.
Product: Credit reporting or other personal consumer reports

I tried to unfreeze my credit profile with Equifax on XX/XX/XXXX. It would not let me and it said to call XXXX. I proceeded to call this number and verify my identity through a robot, a human interaction, and take pictures of my ID. 

After all of this Equifax tried to claim they could not verify my identity despite me submitting my government issued ID, social security number, address information, and all of the information they asked for. 

This much hassle to simply unfreeze a credit bureau is simply unacceptable. I was able to unfreeze XXXX and XXXX in a matter of minutes.
Product: Checking or savings account

i can access my funds they wouldnt allow me to access any of my accounts i need to pay my bills
Product: Credit reporting or other personal consumer reports

This complaint is to inform your company that I want to dispute the following items below on my credit profile. Did you see that your company was sued by the CFPB? for unlawfully failing to properly investigate consumer disputes. The CFPB alleges that Experian does not take sufficient steps to intake, process, investigate, and notify consumers about consumer disputes, resulting in the inclusion of incorrect information on credit reports. Inaccurate or false information on consumer reports can threaten consumers access to credit, employment, and housing. 
I also learned that your company is notorious for telling consumers that you will not investigate accounts if you have previously investigated and now we see that you all never really investigated anything for consumers. I am demanding that you reinvestigate/ investigate, and the outcome be removed today!
Product: Credit reporting or other personal consumer reports

I reviewed in depth my credit report and identified an account not reporting accurately. I have all payments made on time but is not being reflected. The consumer reporting Agencies has the need to report all information with complete accuracy. These accounts have not been late on payment. I have attached copies of my credit reports to this complaint on the following dates and account numbers XXXX XXXX XXXX XXXX ( XXXX ) ( XXXX ). I am now requesting you investigate and provide verifiable proof with records, showing that I had late payments. If this information can not be verified, I demand these payments be updated to paid on time or deleted immediately. Thank you for your understanding and prompt action.
Product: Debt collection

XX/XX/2015 for {$58.00} not owed to this company because I never did business or had a contract with this company. reporting negative information to my credit profile.
Product: Debt collection

XXXX XXXX XXXXXXXX initiated contact with me attempting to collect a debt from phone number XXXX on XX/XX/XXXX. During the interaction I informed them that I was willing to settle the debt with them but to please call me back on XX/XX/XXXX when I get paid in order to discuss the terms of the agreement. The representative agreed and notated my account stating that I would not like to be contacted until XX/XX/XXXX. On XX/XX/XXXX, they contacted me again, to which I once again informed the rep that I would not like to be contacted until XX/XX/XXXX and that I would be happy to discuss settling the debt. From XX/XX/XXXX to XX/XX/XXXX they contacted me at least 4 more times and they began calling me 3 times a day. On XX/XX/XXXX, I escalated to a supervisor who was combative and rude who stated that they were unable to remove my number from their auto dialer system. After I informed her once again that I would be willing to settle the debt when I got paid on XX/XX/XXXX, she insisted on trying to get a payment from me so that they could post date it. When I refused to authorize any payment until XX/XX/XXXX she became rude and combative again and I requested to speak with her Manager. She claimed that the manager was busy and would not take the call and insisted once again that she collect a post dated payment from me. When I asked once again to not be contacted until the XXXXXXXX XXXX XXXXXXXX she became combative again and stated that they would not be able to pause collection calls until the XXXX XXXX XXXXXXXX and that she was going to report my account back to the client as an unable to settle. When I informed her that this was a false report, she became combative again which led me to refuse any further contact without first reporting this to the CFPB and obtaining a lawyer.
Product: Credit reporting or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act XXXX  Retail account # XXXX and XXXX account XXXX has violated several of my rights. 15 U.S.C 1681 section 602 A. Clearly states that 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Remove this late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Reported incorrect information on my credit on XX/XX/XXXX. I asked about the XXXX insurance in XXXX and why it was not reported on my balance of the account? Account was closed XX/XX/XXXX but as of this date claimed I made a payment of {$430.00} on XX/XX/XXXX. The date updated for this account was XX/XX/XXXX? This changed the balance to XXXX? I tried to get XXXX XXXX XXXX XXXX said that I restarted the time of account even though it was closed three years prior. XXXX XXXX XXXX XXXX XXXX  claims the Bureaus reported incorrect information and the three Bureaus claim XXXX XXXX XXXX  made the claims of incorrect reporting. The XXXX, XXXX, Transunion say they can not fix the report only the Creditor can which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX can  make Corrections to my report. This has been an ongoing dispute since XXXX beginning with reporting late payments that has been corrected before XXXX. XXXX XXXX of XXXX XXXX XXXX XXXX will send replies in typed letters that has nothing to do with my account and says the Bureaus are responsible?
Product: Debt collection

Portfolio Recovery : XXXX, continues to call family members divulging my personal information in attempt to collect a debt that I do not owe. Additionally, this company has received written notice to seize and desist all attempts to contact me. I previously submitted written complaints to your office regarding this company.
Product: Debt collection

the account shows that it was closed XX/XX/XXXX but it's still on my credit report as a negative item. date opened was XX/XX/XXXX for XXXX dollars but it was paid off in XX/XX/XXXX but still not off credit profile. 

Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate Section 623 ( a ) ( 3 ). The federal banking and credit union regulators and the FTC will issue regulations that will identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. 

Duties of a Furnisher after Receiving a Direct Dispute Notice from a Consumer. After receiving a dispute notice from a consumer, the furnisher must : 1 ) Conduct a reasonable investigation with respect to the disputed information ; 2 ) Review all relevant information provided by the consumer with the dispute notice ; 3 ) Complete its investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681i ( a ) ( 1 ) ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and 4 ) If the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the furnisher provided inaccurate information of investigation findings and provide to the consumer reporting agency any correction to that information that is necessary to make the information provided by the furnisher accurate.
Product: Mortgage

I WAS ASSESSED ATTORNEY FEES ON XXXX/XXXX/15 {$11.00} & {$150.00} ON XXXX/XXXX/15. 
WHEN I CALLED THE BANK ON XXXX/XXXX/15 I SPOKE WITH AN XXXX XXXX FOR AN HOUR, WHICH TIME HE TRIED TO TELL ME THE BANK HAD MADE A R.E. TAX PAYMENT ON MY BEHALF, WHICH IS TOTALLY FALSE AND EVERYTIME I TOLD HIM THIS HE GOT MORE BILIGERENT WITH ME TELL ME THEY DID. I EXPLAINED TO HIM THE CITY OF XXXX, ME. WOULD HAVE TOLD ME THEY RECEIVED A PAYMENT AND THE BANK WOULD HAVE ADDED IT TO MY BALANCE. FINALLY AN HOUR INTO THE CONVERSATION HE ADMITTED THE BANK DID NOT MAKE ANY PAYMENT ON MY BEHALF. WHEN I ASKED THAT HE CREDIT THE FRAUDULENT ATTORNEY FEES HE JUST SAID NO AND THATS THAT. I ASKED FOR ANOTHER NUMBER TO CALL AND HE REFUSED TO GIVE ME ONE UNTIL I THEN SAID I WOULD CONTACT XXXX & XXXX ATTY GENERALS OFFICE. I NOW CONTACTED XXXX XXXX AT THE XXXX RESOLUTIONS OFFICE, WHO TOOK A BRIEF STATEMENT FROM ME AND SAID SHE WOULD NEED ABOUT A WEEK, AT WHICH TIME SHE CALLED WANTING COPIES OF MY CANCELLED CHECKS FOR MY TAXES, WHICH I PROVIDED. SHE THEN CALLED BACK AGAIN SAYING I PAID ON XXXX/XXXX/15 BUT THE TAXES WERE DUE XXXX/XXXX/15, FOR WHICH I EXPLAINED THE CITY OF XXXX, ME HAS A GRACE PERIOD, I ASKED IF THEY HAD RECEIVED ANY NOTICE FROM THE CITY OF XXXX SAYING I WAS LATE AND SHE SAID NO. ANOTHER WEEK PASSES AND XXXX CALLS TO TELL ME THE BANK ORDERED AN EQUITY REPORT ON ME, THEREFORE THERE WILL BE NO CREDIT. MY TAXES ARE PAID IN FULL AND I HAVE NEVER ONCE BEEN LATE ON A PAYMENT TO KEYBANK IN XXXX YEARS, THEREFORE I BELIEVE THESE " ATTORNEY FEES '' ARE FRAUDULENT AND UNWARRANTED. I HAVE SPENT OVER XXXX HOURS ON THIS MATTER AND I CANT BELIEVE A GOOD STANDING CUSTOMER OF A BANK GETS THIS KIND OF CUSTOMER SERVICE AND IS LEFT WITH NO RECOURSE WHEN THE BANNK ASSESSES UNWARRANTED ATTORNEY FEES ... ... ... ..IF THESES EQUITY REPORTS WERE A NORMAL PROTOCOL OF THE BANK WHY DID IT TAKE XXXX WEEKS TO COME UP WITH THIS LAME EXCUSE AND WHY WOULD THEY NEED TO ORDER IT ON SOMEONE WITH SUCH A PRISTINE CREDIT RECORD ... ... ... .I DID NOT ASK FOR REPORT TO BE ORDERD NOR DO I BELIEVE ITS WARRANTED, THE HOUSE IS WORTH ABOUT XXXX AND THIS HELC OF XXXX IS THE ONLY DEBT ON THE HOUSE