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

According to the Fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. '' It is the policy of the Congress that each financial Institution has an obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers non public personal information. The financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

Mortgage Company ( recommended by our builder ) has now made XXXX hard inquiries on my wife 's and my credit report. We were under the impression that by signing the paper for them to pull credit, this would be done XXXX. The mortgage company is now trying to dictate the closing date to us even though the house is nowhere near completion. They are once again requesting excessive paperwork for the loan ( that has been provided now XXXX in the past ). I would only assume that since completion of the project is still almost 3 months out, they will again pull a hard inquiry on both of our credit reports ( lowering the score and we are both in the mid to upper XXXX ) causing the interest rate on the final mortgage to be higher for the next 30 years.
Product: Debt collection

I am writing to formally lodge a complaint against Zion Debt Holdings regarding their debt collection practices. I have encountered several issues that I believe violate my rights as a consumer. 

1. **Lack of Proof of Debt** : Despite my requests, Zion Debt Holdings has failed to provide any documentation proving that I owe a debt to their company. I have asked for verification of the debt, including details about the original creditor and the amount owed, but they have not responded adequately. 

2. **Authority to Collect in Delaware** : Additionally, Zion Debt Holdings has not provided any evidence that they are authorized to collect debts in Delaware. This raises serious concerns about the legitimacy of their claims and their ability to pursue collection actions against me. 

3. **Illegal Reporting to Credit Bureaus** : I have also discovered that Zion Debt Holdings is furnishing a record of this alleged debt to credit bureaus without proper validation. This has negatively impacted my credit report and score, which I believe is unjust and unlawful. 

Given these issues, I request that the Consumer Financial Protection Bureau ( CFPB ) investigate Zion Debt Holdings ' practices and take appropriate action. I seek confirmation that they provide the necessary proof of both the debt and their authority to collect it in Delaware. Additionally, I request that they cease all reporting of this alleged debt to credit bureaus until these matters are resolved. 

Thank you for your attention
Product: Credit card or prepaid card

I have a Capital One Credit Card where I make a XXXX dollar minimum payment. I previously went through a Financial Hardship and had been late on making a few payment In 2015. I contacted Capital one myself directly and entered into a payment plan to uphold my responsibility and said agreement that they proposed. After said agreement was completed and I was back on track as I even brought myself current earlier than the plan allowed for I came to find out a while later that I was reported as never have being made a payment and Late for a period of 6 months or greater when I was making payments during said time under their provisions. As a result my interest rate has been increased ever since the event and I have tried to obtain another card to take advantage of a lower credit card rate or offer as well as save interest and get out of said debt but the information being currently reported is hurting me from obtaining another Card with better terms.I want to make it clear that I have had stellar payment history prior to the Financial Hardship as well as thereafter. I have been carrying out my obligations effectively.
Product: Other financial service

A third party debt relief service -Student Loan Aid- has been accessing my account and withdrawing funds but not applying these funds directly to my student loans. They also put my loan in general forbearance without my permission. I recently learned that this business was noted " not accredited '' by the BBB. This is clearly a for-profit company charging " fees '' and keeping your money - IT IS A SCAM! 
For me, this was originated on XXXX/XXXX/15 and my payments have not been accurately applied to my student loans since that time. I was not allowed access to my own accounts online because they changed the email address connected with the account - one that I did not have access to and could not use to recover access to my account. 

Please see attached bank statement as an example of this type of withdrawal in the amount of {$340.00}, which has been occurring on the XXXX of each month.
Product: Credit reporting, credit repair services, or other personal consumer reports

kheaa continues to post fraudulent activity on my account... i have no account with them and want it removed asap.. no investigation was done and i got no notifications
Product: Credit card

US Bank denied a claim based on purported signature similarities, this was a baseless claim as the signatures were not even remotely similar to known signatures. US Bank made a claim that they recorded 11 conversations between myself and US Bank employees, yet refused to let me review those recordings. I asked for video surveillance and US Bank informed me that I had to obtain those videos. 
US Bank violated TILA by placing the burden of proof upon the cardholder, using evidence that either did not exist or they are refusing to share and making obviously incorrect conclusions about signatures. 
One has to wonder if US Bank is systematically violating TILA by denying valid cardholder claims based on false interpretations of evidence, making false claims to consumers about evidence and telling consumers they are responsible to gather evidence. 
All my claims are based upon conversations on a recorded line. 
The CFPB can review the signatures for themselves and attached is an analysis from a professional handwriting analyst who found that " no indication... that XXXX XXXX is the author of the four questioned signatures. '' Again, one must wonder why US Bank held me responsible for the transactions when the evidence clearly does not support their claim and if US Bank is making similar unfounded claims and or manufacturing evidence to wrongly place the responsibility on the cardholder in violation of TILA. 
US Bank also violated TILA by not provisionally crediting my account when presented with substantially new evidence or providing evidence to counter my claim. I sent the attached documents by certified mail.
Product: Debt collection

XXXX Credit Card Commenity Capital Bank sold a debt that was not valid to XXXX XXXX. Commenity Capital sold the debt after failing to provide validation of debt under 15 U.S. Code 1692g. 

The debt is not valid. Commenity knows the debt is not valid. The entire account must be removed from my credit report not sold and sold again to try to legitimize it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported fraud to my report on chexsystems a few yrs ago. When I found out last summer XX/XX/XXXX I called XXXX and they stated that they never reported i had fraud and that my account I had with them was closed because it had a negative balance. I then contacted chexsystems to remove the fraud report and they said they would investigate. 30 days later i recieved a mailer stating they needed more time and I have not heard from them since. The night of XX/XX/XXXX I tried to open a debit account with XXXX XXXX and I was denied because of fraud with Chexsystems. So they obviously never investigated nor removed the fraud defamation. 

I then reported this here about chexsystems and they lied and the complaint was closed. XXXX had a collection company call me on XX/XX/XXXX and still has never responded regarding the defamation of fraud.
Product: Credit card

To : Discover Card, XXXX Per my conversation with your customer service representive on XX/XX/XXXX at approximately XXXX XXXX  MST, I asked for a settlement amount of {$800.00} on three occasions to resolve our balance of {$3800.00}. I was turned down firmly by your representative on each request! I was informed I DID NOT have any other options at this time and had to wait until XXXX for any type of negotiations or requests to decrease the amount that is owed. 

In a good faith we contacted Discover to discuss our dilemma and discuss our current situation with your company. to no avail. I felt like a criminal after my phone call with your representative for asking for a reasonable solution. While she was not rude, the lack of options was totally discouraging. 

My dilemma is I am currently on a very limited monthly income and can not and I repeat can not afford any monthly payments at this time. I made a payment on XX/XX/XXXX for {$300.00} and another one on XX/XX/XXXX for {$3500.00}. The total paid was {$3800.00} as of XX/XX/XXXX. I was hoping for a reduction of what is currently owed for the remaining balance. My intention is to not go delinquent and then many months from now, have your company offer some kind of settlement. Why cant this be done now based on extreme financial hardship as well as being a XXXX  XXXX veteran? 

My current physical conditions have changed drastically in the last several months.My doctors have informed me that I am 100 percent unemployable and can not work. Also, being XXXX  limits my options for repayment because of a very low monthly income. 

I appeal your decision not to communicate with me until XX/XX/XXXX and your unwillingness to discuss any other options for repayment. 

I totally think your company is not willing to work with me and I felt cornered and threatened by the phone call today ( XX/XX/XXXX ). I felt the Discover Card Company representative was frank and stern and was not willing to work with me at all. The call instantly caused my XXXX to increase to a level of stress that is extremely difficult.
Product: Debt collection

Call at least 4-5 times a day/ i notified them on XX/XX/XXXX that this was a business phone and they continue to call at the same frequency
Product: Debt collection

Received a call from Credit Bureau of Lancaster ( XXXX ), Debt Collection Unit, on XX/XX/18, for ( what I believe ) is a medical debt paid more than a month ago to the original merchant. Don't understand why I am receiving a debt collection call, and I'm concerned that there is derogatory information that should not be reflected in my credit history.
Product: Checking or savings account

Theft of money from my Chase Bank account. 
On XX/XX/XXXX, I borrowed XXXX $ and deposited in my Chase Bank Account. Unknown persons hacked into my Chase Bank account and stole the {$10000.00}. They distributed it to unknown persons. 
I had nothing to do with this theft from my Chase checking account, but Chase bank will not honor my claim of theft and will not restore my funds.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Wrong addresses XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Inaccurate employment
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and Transunion should not be reporting me as an Authorized User on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User on this account. This account is also over ( 7 ) years old and should not be reporting at all. I have contacted XXXX XXXX as well as the bureaus to remove this account however, I have not been successful. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This negative reporting is harming my credit score and this line item need to be removed from my credit report.
Product: Mortgage

In XX/XX/XXXX I purchased my home with a FHA mortgage from XXXX XXXX. It was a fixed rate 30 year loan. I was to be done with payments by XX/XX/XXXX. My loan has been sold at least two times since XX/XX/XXXX, once to I believe XXXX and then to Select Portfolio Services. I recently attempted to refinance my mortgage. I found out that the terms changed to something I believe the officer told me was a balloon payment that was a 46 year term. I never signed paper work to have the terms of my loan changed and I am concerned that I have been mislead in some way.
Product: Credit reporting or other personal consumer reports

Im having problems with Consumer Finance Protection Bureau not following Private Placement Program rules and jurisdictional protocols when it comes to companies privilege and regulations for reporting information on my credit. My credit score reflects a judgement that was vacated and not in favor of the defendants. Several illegal things have been done and none of them were allowing my credit report to have a repossession or amount owed due to XXXX XXXX Fair Debt Collection Act that omits any collections after a said breach of contract happened and was never rectified in what would be a 10-day Payoff period to a previous Finance company. This resulted in a late penalty and false state registration in Indiana of my vehicle without my knowledge.
Product: Vehicle loan or lease

Whomever this may concern. When I first purchased the XXXX XXXX XXXX in XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX, I tried to return it the second day. The company did not have a posting saying no returns. When i tried to return it after they tried to fix it twice. I called Credit Acceptance to see what they could do or any options that i have since this is my way of living, they told me I couldn't do anything. I've also asked for a copy of my warranty which I have yet to receive. This car has caused me great XXXX, money, and loss of more than one job because it does not run properly. Also, when I signed the contract it was for XXXX not for what they are trying to charge me now. They overcharged me, putting me in great debt. I will have to take further action if this is not investigated. My car is in the shop right now for the XXXX time for the same issue that I have to keep paying for. I have been truly tricked out of my money and a car. I would like to request a timely response or propose a meeting to discuss the issue further.
Product: Checking or savings account

Unauthorized and fraudulent charges were made on my account associated with either " XXXX XXXX  '' or " XXXX XXXX  ''. 

The first fraudulent charge I could identify occurred in XXXX of XXXX, and since then the value of fraud has increased month-over-month. 

Monthly totals of fraudulent transactions are as follows : XXXX {$240.00} XXXX {$1100.00} XXXX {$1600.00} XXXX {$2300.00} XXXX {$3000.00} Total {$8200.00} I have itemized lists/spreadsheets of individual fraudulent charges that I can send upon request. Note that there were some valid transactions associated with XXXX ( XXXX  ) and XXXX XXXX  that occurred during this timeframe, and those transactions have been identified ( by cross-referencing charges against my XXXX accounts ) and are not included in the monthly totals listed above.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transactions were authorized, i was charged fees due to lagged posting of charges and credits. This issue align with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initial available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been using a XXXX XXXX XXXX credit card for over two years now. Since XX/XX/2018, XXXX   XXXX XXXX has been reporting a general remark to the credit agencies that states 'Dispute resolved ; reported by grantor '. 

Due to this remark, my credit score has been badly affected, dropping by close to XXXX points. Upon inquiring with XXXX XXXX XXXX, I have been confirmed on multiple occasions that there is no dispute on the account and never has been a dispute on the account. However, XXXX XXXX XXXX again reported the same remark to the credit bureaus. 

I have spent hours on the phone and in person with XXXX XXXX XXXX 's personnel and every single person I have spoken to has failed to identify a single issue with my credit card account and have confirmed that there has been no activity that could result in such a remark being reported. 

On a letter dated XX/XX/2018, I was advised by XXXX XXXX XXXX that they have removed the remark from my credit, however, the same has been reported to credit agencies in XX/XX/2018. 

I am being harassed by XXXX XXXX XXXX and their inefficient employees. Please help.
Product: Credit reporting or other personal consumer reports

This is my numerous endeavor that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please delete the reporting of any information in my credit file that resulted from an alleged identity theft. 
These items are unknown to me. Also, the information you provided on some items are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some items are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Got approved for an auto loan through XXXX XXXX XXXX XXXX on XX/XX/2022. Upon approval I was given a list of participating dealerships that I could use the auto loan at, I chose to go to XXXX XXXX XXXX XXXX in XXXX, Ohio. It was there that I picked the car that I wanted to purchase with the loan that I was already approved for through XXXX  XXXX. After negotiating my monthly price down with the salesperson he proceeded to run at least 6 hard inquiries without my consent or knowledge. After the inquiries hit my credit report I went to the dealership to find out how this happened and they explained to me that when I said I wanted to purchase said car that they have the right to run my credit without my consent and that I shouldnt worry because they would all be counted as one and they will fall off my credit report eventually. I tried to contact the lenders directly and they asked that I file a police report but when I talked to the police they said it was a civil matter. My credit score has fallen over XXXX points because of the dealerships mishandling of my credit information.
Product: Money transfer, virtual currency, or money service

My complaint is against Wells Fargo vie XXXX XXXX XXXX Wells Fargo Bank Customer Service Wells Fargo Bank Customer Service XXXX XXXX XXXX XXXX, OR XXXX Re : Unauthorized XXXX Transactions Request for Refund Dear Sir/Madam, I am writing to formally request a refund for XXXX unauthorized XXXX transactions that occurred on Saturday, XX/XX/year>. The details of the transactions are as follows : - Transaction Date : XX/XX/year> - Amounts : 5 separate fraudulenttransactions ( see XXXX documents attached ) - Recipient : XXXX XXXX for {$9.00}, {$450.00} XXXX XXXX, {$890.00} XXXX XXXX, {$1200.00} XXXX XXXX, {$990.00} XXXX XXXX - XXXX ID 's : ( see attachments for XXXX XXXX ID 's ) These transactions were unauthorized, and I have already reported it to your customer service department immediately XXXX, 2024. Under Regulation E of the Electronic Fund Transfer Act, Wells Fargo is required to investigate and address unauthorized transactions promptly.

As discussed immediately with the fraud department at Wells Fargo, the call came directly from Wells Fargo number via my mobile ( see attachment from my phone records ) and notified me of fraud on my XXXX account and had me cancel the transactions via XXXX XXXX Department. Regulation E, under the Electronic Fund Transfer Act ( EFTA ), provides protections for consumers who are victims of unauthorized electronic fund transfers. Highlight that under this regulation, Wells Fargo has a responsibility to investigate and address fraudulent transactions.

I request that Wells Fargo refunds the full amount of the unauthorized transaction, {$3500.00}, to my checking account within 10 business days Failure to do so will leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau and seek further legal advice to ensure my rights as a consumer are protected. 

I appreciate your prompt attention to this matter and look forward to your response. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, 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 a account without my written instructions.

15 U.S.C 1691 prohibits consumer reporting agency from taking adverse action against the consumer for exercising their rights.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. 
Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me.

As in Cushman v TransUnion, Stevenson v. TRW ( Experian ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX.