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

The Louisiana Service Member Civil Relief Act ( SCRA ) expands upon the federal SCRA. On XX/XX/XXXX I applied for SCRA benefits being Louisiana is my home of record and im stationed in Louisiana. I recieved notice from M & T Bank stating I do not qualify and my loan was not subject to Louisiana law. I've applied for SCRA to all my accounts to numerous banks and creditors who have followed the Louisiana key provisional state law. The benefits should be retroactive to the day your active orders started ( enlistment ), or XX/XX/year>, whichever came latter. Even if youve opened/closed the account before being assigned to the state of Louisiana, they should refund interest youve paid above the 6 % cap. I've advised my base legal office who've stated to specifically request Louisiana state SCRA benefits, not federal. I was also informed to lodge a complaint against the creditor.
Product: Debt collection

Hi They are continuing to harass me even though it is disputed. Pursuant to my rights under federal debt collection laws, please cease all collection activities you have taken or are considering taking. Also, had multiple hospitalizations in the past year, so must avoid stress. I am retired and on Social Security. This includes high-pressure collection activity and lawsuits. I am requesting that you cease and desist communication with me, as well as my family and friends, concerning this and all other alleged debts you claim I owe. 

Thank you.
Product: Credit reporting or other personal consumer reports

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX, CLOSED ACCOUNTS <CAPITAL ONE > Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. CREDIT LIMIT {$500.00} LAST REPORTED XXXX XXXX, XXXX <XXXX XXXX XXXX  XXXX Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX <XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX XXXX XXXX XXXX XXXX ) ( XXXX, CLOSED ACCOUNTS <CAPITAL ONE > Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. CREDIT LIMIT {$500.00} LAST REPORTED XXXX XXXX, XXXX <XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX <XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX, REPORTED BALANCE {$0.00}. Highest balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer do not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. following the Fair Credit Reporting Act convergent XXXX, XXXX, and XXXX have violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 hard inquiries showing on my credit report. These were done on XX/XX/2019. The names are XXXX/XXXX XXXX FL, Brclybankde XXXX DE and XXXX XXXX XXXX VA. I did NOT apply for credit with these 3 companies. Should I be concerned with identity theft?
Product: Debt collection

XXXX XXXX XX/XX/year> Credit Reporting Agency MED DATA SYS ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Dispute of Collection Account Account Number : XXXX Creditor : MED DATA SYS Dear CFPB, I am writing to formally dispute the above-referenced collection account reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ) 609 ( a ) ( 1 ) and 611, I am requesting verification of this debt, as well as the specific legal basis for this entry. 

After reviewing my records, I found no written agreement or signed contract with MED DATA SYS authorizing them to collect or report this debt. As per FCRA guidelines, information included in my credit report must be 100 % accurate, verifiable, and substantiated. Since this collection account lacks a written agreement or valid documentation establishing my liability, it must be removed immediately. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I am requesting that MED DATA SYS provide all supporting documentation, including the original agreement and proof of validation, within 30 days. If such proof can not be produced, I demand that this entry be removed from my credit file to ensure compliance with federal law. 

This inaccurate reporting is adversely affecting my credit score and financial standing. I kindly request that this matter be addressed promptly. Please complete your investigation and notify me in writing of your findings within the 30-day period, as required by law. 

Should the investigation fail to confirm the accuracy of this account, I demand its immediate deletion from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX
Product: Mortgage

REF : Property at XXXX XXXX XXXX XXXX, XXXX Florida XXXX. Appraised at {$720000.00} Subject : Urgent Matter Regarding Navy Federal Credit Union 's Failure to Disclose Home Purchase Loan Requirements and Harm Caused to a XXXX Veteran Dear Consumer Financial Protection Bureau, I hope this letter finds you in good health and spirits. I am writing to bring to your attention a distressing matter involving Navy Federal Credit Union ( NFCU ) and the difficulties I have faced in securing a home purchase loan as a XXXX veteran. 

As a veteran with a XXXX % XXXX, I have always been proud to have served my country and equally grateful for the benefits that have been provided to support my well-being. Having recently decided to purchase a home, I believed that obtaining a home purchase loan from Navy Federal Credit Union, an institution widely recognized for its commitment to veterans, would be the most suitable option. 

My experience with Navy Federal Credit Union began with enthusiasm, but unfortunately, it took a frustrating turn due to their failure to disclose all the necessary requirements for the home purchase loan in a timely fashion. During the loan application process, I was not fully informed of specific documentation and other critical that were required for funding approval. As a result, the loan process was unnecessarily delayed, causing severe harm and distress. 

The undue delay in funding my home purchase had several significant adverse consequences : 1. Emotional Distress : The constant uncertainty and XXXX  caused by the delayed loan approval severely impacted my emotional well-being, exacerbating the challenges faced due to my XXXX. 

2. Financial Strain : The delay in funding disrupted the entire home buying process and led to additional costs, including extension fees for the closing period and increased interest rates, which further strained my financial resources. 

3. Lost Opportunities : Due to the delay, I missed out on other potential home purchase opportunities and experienced further financial and emotional distress trying to identify new suitable properties. 

4. Impact on Family : My family 's living situation was adversely affected due to the prolonged uncertainty, leading to increased stress and instability. 


Sincerely, XXXX XXXX XXXX XXXX XXXX. 
Email : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I recently learned that my personal information was used to open an account. I did not open or authorize this account and The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights. I looked at my exquifax credit report on a XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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: Debt or credit management

Company PHH Mortgage allowed ex-wife to have several loan modifications on a loan to them. My name was always forged and was never contacted. I have all the documentation from XX/XX/XXXX to today with this bank. In the divorce I took ex-wife to court ( In XXXX ) we did a Quit Claim Deed in Texas. She forged my name after that and I pressed charges. Now this company PHH mortgage is allowing her to do the same thing again. No documentation from me such as social security cards, Texas drivers licenses nor passport. My credit took a major decline and this PHH Mortgage has no record of documentation from me.
Product: Checking or savings account

I currently reside in XXXX, Ohio and have been a Chase Bank customer for years. I have always been pleased with the service I received in the past, but the " security '' protocols that have been put in place over the past year have made it impossible for me to continue that banking relationship. 

I have had problems with the new " security '' protocols on different occasions, but what happened today was the last straw. On XX/XX/2021 I went to my local Chase branch in XXXX, Ohio. I went thru the first lane in the drive thru, right at the tellers window. I made a request to withdraw cash from my account and I presented both my drivers license and my Chase debit card to the teller in addition to the signed withdrawal slip. I had not placed any sort of security watch or warning on my account. 

My withdrawal was refused at the window and I was told that I had to come into the lobby and provide my PIN number in order to make the withdrawal. I went into the lobby and I was absolutely livid. I can open a new account with a drivers license, but I can not take money from that same account, even after presenting my Chase debit card and my drivers license. This was not money from checks that were just deposited. This was money that had already been in the account for some time. Then, because I've never used my debit card for anything, I had to set up a new PIN number for the debit card because I had no idea what the PIN was. So my drivers license wasn't good enough for a withdrawal, but it was good enough to open the account AND good enough to set up a new PIN number for my debit card. Then I had to go to the interior ATM to withdrawal my money in order to make sure that the PIN worked. I had decided to close out my account by this point. When I went to withdraw the rest of the available money from my account, I once again had to provide my Chase debit card and PIN number. 

What if I didn't have a Chase debit card? Are they telling people without debit cards that they can't have their own money because they only have a drivers license? Can no one see how ridiculous this whole situation has become? I am all for security, but it has to be tethered by common sense. If I was so dedicated a thief that I stole someones drivers license and debit card, subjected myself to XXXX  XXXX, and signed the withdrawal slip, then why in the world would you let me use that same drivers license to set up a PIN number for the debit card? And why would requiring me to present that same debit card and PIN ( that I just chose ) suddenly make me any less of a thief? 

I have moved my money to a different bank, but someone needs to get this bank under control ...
Product: Credit card or prepaid card

On XX/XX/20 XXXX XXXX XXXX charged {$1900.00} to my credit card. Since I didn't rent nor authorize anyone to rent after XX/XX/20 I called Capital One, I was given a refund. Then I was rebilled. I kept emailing XXXX. First I was told by XXXX there was no record of {$1900.00} being paid by Capital One. I kept insisting until I was told that the charges were for rental from XX/XX/20 to XX/XX/20.I have been fighting both XXXX & Capital One. 
My son XXXX XXXX was an authorized user on my account and, since he couldn't word due to the pandemic, I authorized 2 rentals for him ; Capital One paid XXXX {$470.00} on XX/XX/20 and {$430.00} on XX/XX/20. On XX/XX/20 Capital One emailed me that 2 charges from XXXX were declined ; since I didn't authorize those charges, I removed the authorized user from my account and cut his car up into small pieces but that didn't stop Capital One from paying XXXX {$1900.00}. XXXX even though the account # was entered manually. To add insult to injury, Capital One emailed me on XX/XX/20 that a charge from XXXX to that same non-existing card was declined but the next day {$440.00} appeared on my account. This is outrageous and very unfair. Today I got an email from XXXX and XXXX XXXX stated that the XXXX was reversed. Even though I'm still disputing the charges, Capital One charged me interests and withdrew {$300.00} from my checking in XXXX and XXXX because I'm on automatic payments. PLEASE HELP ME.
Product: Credit reporting or other personal consumer reports

It seems FCRA 605B mandates the removal of any incorrect accounts from my credit report. Would you mind checking the documents? There are inaccuracies in the reporting, amounts, and dates of some listed accounts.
Product: Debt collection

I received a notice for a debt from the village i live in regarding a ticket i had in the past that i did not pay. My dog was STILL ON MY PROPERTY. i watched my pet from the window when i noticed he was out of the gate in my own yard. he did not go into the neighbors yard he came right back in the door and the police decided to give me a ticket. stating the dog was loose on city grounds when he never left my driveway. The police didnt chase my dog, they didnt come on my yard, so where was my dog in the neighborhood and why did i get a ticket if he never left my yard. In the past this same police department XXXX my dog because they were supposedly charged at when the dog was running in the other direction. i have witnesses that stated my dog didnt charge these officers but they XXXX him in the back and didnt bother to pay for his medical bills. i had to pay over XXXX for his medical care but i had to get tickets on top of that? and lied to that they XXXX at and towards him but didnt XXXX  him directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with Experian in regards to an account showing up as derogatory for XXXX XXXX XXXX. This account was paid in full and XXXX XXXX provided me with a receipt that shows the amount is paid in full. I resubmitted a dispute with Experian and Experian requested to documentation to reopen the dispute. I in XXXX provided the proof/receipt of payment to Experian for them to reopen the case and correct the information. The account dispute was never reopened event though I provided the receipt that XXXX XXXX gave me showing that the account is paid in full. I submitted another one today but it looks like Experian isnt reopening investigations or reviewing the documents provided to make the necessary corrections. This is impacting me at the moment as I am trying to get a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XX/XX/XXXX {$430.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX XX/XX/XXXX {$790.00} XXXX XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$570.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$4700.00} XXXX XXXXXXXX XX/XX/XXXX {$680.00} XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$420.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$3600.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX XX/XX/XXXX {$0.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX XX/XX/XXXX {$1700.00} XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$920.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$920.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Credit Collection Services ( www.ccspayment.com ) notified me via a written letter that they are collecting a debt of {$87.00} that I owe to XXXX XXXX. At the time I had already disputed any charges with XXXX XXXX via my insurance agent. 

The letter from the debt collector indicates that I can dispute the debt via their website. However, when going to the website I couldn't locate any way to submit a dispute online. 

I later tried to reach out via phone which took multiple attempts to get a hold of someone who also indicated to me that filing a dispute does not pause the charges alleged to be owed, and that this will end up hurting my credit. Given the short amount of time left I paid the amount, and determined to file a complaint against the collecting company. I also filed a complaint via XXXX against XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

We have paid this car lease with American Honda Finance on time every month since we leased the car in XXXX. There was never a a late or missed payment. We traded the car in two months before the 39 month end lease and it was paid off by the dealer. At the time in XXXX and ever since they have said the last payment ( # XXXX ) was late and it has been on both my wifes and my credit report ever since. We have fought with them to have it removed. The car was paid off two months prior, how could the last payment be late? About a month ago while checking my credit report, I found XXXX has added nine, yes nine late payments from XXXX that never happened some over 90 days past due. If a car was 90 days past due it would have been repo-ed. These nine late payments were never my report until a month ago. They never happened.
Product: Debt collection

GLC financial stated that I took a cash advance from XXXX XXXX XXXX and did not pay. I went to XXXX months ago and they have no record of me doing a cash advance and they stated that there system has been hacked. GLC stated that they are sending me to the district attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX  XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, AL XXXX, ( XXXX ) : they are continually reporting my account as delinquent to the credit bureaus as recent as this year, XXXX. I sold the property at XXXX XXXX XXXX  XXXX, XXXX  XXXX, XXXX, WA XXXX in XX/XX/XXXX and the loan was paid in full as a result of that sale. I no longer own the property, I no longer have a loan outstanding with XXXX. Still they are reporting me to credit reporting bureaus as being LATE in payments. There are no payments to be late or not. 

I tried calling them today and the person I spoke with put me on hold as # 30 in the queue. I've experience horrible customer service with them in the past. Now they continue to harass me by falsely reporting me as delinquent on a ghost account. 

Please make them stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the law 15 US Code 1681 a FCRA All 3 Credit Agencies TransUnion and XXXX and XXXX have a Bancruptcy on my Personal Credit. So I wrote to the court of Bancruptcy and ask them do you report Bancruptcy and they wrote me back and said they dont. So I need this deleted off my credit please and Thank you
Product: Debt collection

I am reaching out for help in resolving a problem that I am having with XXXX, XXXX XXXX XXXX, XXXX ( formerly Pressler and Pressler,  LLP ) located : XXXX XXXX XXXX, XXXX, NJ XXXX and their attempt to collect a debt that I never opened, had or owed to XXXX-XXXX " in the amount of {$5600.00} plus costs, of which {$4000.00} remains due and unpaid '' according to their written correspondence to me. As I have stated, I haver never opened an account with XXXX-XXXX in any amount and do not owe this debt. I have received ( XX/XX/XXXX ) letters from them both by First and certified mail dated XX/XX/XXXX with an attachment of a two page Information Subpoena and Written Questions requesting personal and financial information. Within the body of the letter is a threat that I could be arrested if I do not return the information to them within 14 days and letter also states that it is an attempt to collect a debt. I would appreciate your help in resolving this matter as soon as possible. I believe they are in violation of Consumer Protection Laws and debt collection practices.
Product: Credit card or prepaid card

This is concerning a payment to my XXXX card from CapitalOne. I was set up for autopay for the statement balance of for this card. My statement balance was XXXX. I cancelled my autopay and made a payment of {$550.00}. This was the only payment I authorized. One day after my due date, I saw that CapitalOne had taken out XXXX and XXXX, which is about {$540.00} more than my entire balance at the time. Every other credit card I have does not allow you to pay more than whats owed. They dont let you make multiple payments is an autopay is pending, and they have alerts. Not only does CapitalOne not give any warnings and allow duplicate payments, they also accept payments above the amount they you owe them. When I called them to cancel the payment, they said they would mail the overage owe me in 7-10 business days, although their automated system says 60-90 days. They should not be allowed to automatically withdraw money from your account more than what you owe them.