23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/XXXX I did like I always do each month for years, I transferred my compensation and pension funds I receive each month from the Department of Veterans Affairs from my savings to my checking account. I have been do so for years. These funds are used to pay my bills. Navy Federal Credit Union was well aware of these practices. On XX/XX/XXXX I noticed that {$1800.00} of the {$2000.00} that I transferred were taken by Navy Federal. 

I wasn't given any prior notice as to why they were going to take my monies and to this date, I haven't received any notice or explanation to why they took my monies. The only thing I was told was they can do it because I was joint on the account with my fiance. The reason I was on her account was because I didn't have a bank account at the time and VA forced veterans to have their monies deposited into an account rather than mailing paper checks. Also, my fiance was helping me handle my affairs at times when I'm not able to do so. I have underlined conditions which enables me to functional at my full capacity due to my military service. Therefore, I have good and bad days. 

Navy Federal stated that I didn't have a charge off but my fiance had a charge ; off in XXXX so that gives them the right to take my monies. To this date, the account was used solely for the purpose of my VA XXXX payments, which were always transferred to the checking account to pay my bills.. With that said, my funds has been the only funds going into the account. I'm sure the time to collect on a charge off from XXXX has exceeded the statue of limitations even if It was my charge off but, it wasn't. The actions by Navy Federal has cause me a great financial hardship and has damaged me. 

I contacted the XXXX XXXX XXXX ( XXXX ) and filed a complaint on XX/XX/XXXX. They in turn reached out to Navy Federal for response on three different occasions but Navy Federal failed to respond to any of their correspondences. It wasn't until XX/XX/XXXX Navy Federal responded back to the XXXX due to me reaching back out to them to resolve this matter. The only reason why they responded back to the XXXX was because I told them was going to contact the CFPB.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found several inaccuracies that I formally dispute. Please verify or remove the following : accounts with XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX ( XXXX ), as I do not recognize or have any agreements with these entities. Additionally, I request the removal of unauthorized hard inquiries from XXXX XXXX ( XX/XX/year> ) and XXXX XXXX XXXX ( XX/XX/year> ). Under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ( a ) ), I request an investigation and removal of unverifiable items within 30 days. Furthermore, I am aware that the Consumer Financial Protection Bureau ( CFPB ) has filed a lawsuit against XXXX for negligence, further underscoring the importance of ensuring the accuracy of consumer credit reports. XXXX violates my rights as a consumer also making it practically impossible to purchase my first home or new vehicle. Can we please have this information removed immediately?
Product: Debt collection

I have gone back and forth with Doctor 's Business Bureau about a {$350.00} collection being reported to credit reporting agencies. This debt is a result of medical services provided to me. I have disputed the debt as I am an insured patient with 100 % XXXX/XXXX  coverage provided by my insurance. The facility ( XXXX XXXX XXXX ) was in-network for the annual/XXXX  XXXX  but out-of-network for the follow-up XXXX  resulting from an XXXX  detected in the annual XXXX. I was not informed that the second ( required ) follow-up XXXX  was an out-of-network service. In addition, I was required to sign the attached Assignment of Benefits in order to receive services during a medically and emotionally trying time. I am claiming that a reasonable person ( distraught or not ) would NOT assume that a facility is in-network for annual/preventative services and out-of-network for follow-up services resulting in an XXXX  from the annual XXXX. 



I was never given the option to dispute the debt. A few months after the services, my employer changed insurance carriers, and I never hear from XXXX XXXX again. Moving forward, XXXX XXXX XXXX assigned the debt to Doctor 's Business Bureau who proceeded to report the debt as a collection to credit reporting agencies and negatively impacting my credit. 

As a result of a recent request for Doctor 's Business Bureau to verify the debt and provide my authorization for XXXX XXXX XXXX to share my personal medical information with a third party, they submitted the attached assignment of benefits. 

I am reaching out for verification and validation of XXXX XXXX XXXX and Doctor 's Business Bureau 's debt collection practices. 

Please review the attached and provide insight to help me amicably solve this matter with Doctor 's Business Bureau or provide the contact information of an agency that can support me with this matter. 

Thank you in advance.
Product: Checking or savings account

I filed a dispute with my bank about a transaction that was in error I paid by other means ( cash ) However I sent in my dispute in writing to the bank on XXXX XXXX and I never received any response what so ever on XX/XX/2020 I received a provisional credit to my account in the amount of {$340.00} the amount of the dispute. And Again I never received any information about my dispute. On XXXX XXXX they decided to reverse that provisional credit of {$340.00} and Again no information was ever sent to me about the provisional credit the status of my claim the reversal of the provisional credit. On XXXX XXXX. I was to receive my unemployment benefits to this account however at this time my account was {$340.00} in the negative and they just took my whole unemployment deposit and put it towards the negative balance on my account. XXXX XXXX a provisional credit was posted to my account for a later dispute in the amount of the {$61.00} and they also used that to pay towards the negative balance on my account. And I still have received any information about the disputes I have filed. In REGULATION E it states that a financial institution must inform the account holder 3 day before a provisional credit is posted and the status of your dispute that never happened so I believed since I never received any information and it took them longer then 10 days to credit my account i assumed it was settled. So I used it not know that the investigation was on going. Then when they came and reversed that same Credit they never informed me they was going to debit my account for the amount of the provisional credit so I had no idea that this would happen had I known the investigation was on going I would had never used the provisional credit until the investigation was completed. I missed out on having XX/XX/XXXX dinner with my kids and family because I was counting on my unemployment benefits to pay for it and when they took them without any communication what so ever it really hurt me. I'm doing without and suffering because a financial institution failed to honor the terms of a Federal Regulation E which violated my right to be informed about what was happening with my dispute and my account. They took more then 10 days to provide me a provisional credit they failed to tell me when and why they are going to reverse the provisional credit. They only sent me a copy of the receipt that the merchant sent to them only when I called and try to explain to them that I need my unemployment benefits and how can you just debit my account without me knowing how can you continue the investigation without informing me about what was going on and the support member told me that they didn't have to inform me of anything that I dispute so at that point I asked to speak with a support supervisor so I could get some help and she just informed me that there was no one at that time to talk to that someone would call me. And no one has and from the looks of it probably won't. I would like to move forward in legal action.
Product: Vehicle loan or lease

I had Financing 2017 Hyundai XXXX with Hyundai motor finance since XX/XX/XXXX I had auto pay from my Debit card they cat every months so do Car accident in date if XX/XX/XXXX so my car be Total loss Insurance company pay off my car I had stall to pay for Hyundai motor finance around XXXX $ to be pay off but I had Gap insurance I had contact with Gap insurance they say okay whe pay that amount so the Hyundai stop my auto pay from my account Wait out my promotion so the The Gap insurance doesnt pay anything so I was in vacation Out of country when I came back I hair that Gap And insurance doesnt pay anything Contact with Hyundai motor finance I pay off amount off {$2700.00} so I dont know why they put my credit to Collection agency right now my credit is going down I want to fix my credit again please
Product: Credit card

I have attached XXXX documents, XXXX is a police report in which the capital one secured credit cards were part of the report as they were stolen and XXXX witnesses informed me and my partner XXXX at the time, that indeed it was capital one credit cards that were stolen from us that were used without our knowledge. I have not once been out of view of CAPITAL ONE and tried to work with them as they also put all XXXX secured card in collections, even knowing about the idenity theft. If you look at other document it contains to of the XXXX accounts, all XXXX were not only part of the idenity theft but as you see that I made a huge payment of {$220.00} on XX/XX/2012 even though the cards were stolen and I could paid the {$50.00} liablity, I paid the whole thing. My credit line was {$400.00}, {$240.00} of that was a deposit of mine. My last purchase came in on XX/XX/XXXX of under {$4.00}. If you see here obviously I closed the card around a last payment and transaction and around idenity theft robbery. But with all XXXX cards 7 months later, EVEN AFTER last purchase posting was 7 months prior, the card remainded open yet 7 months with tons of interest rates and membership fees and weird transaction rebills and then all of a sudden I owe {$360.00} on a card that I have a {$400.00} limit, {$240.00} my deposit and I made a sizeable payment at end. So, it doesnt take a scientist to figure out, several upon several FCRA regulations were broken per card. And I tried to work with them but they refused to call me, and the sent my stuff to IRS which this needs to be handled, I am more than disgusted and I am fuming. This is disgusting, and this is whats even worse, on the document with account ending in card XXXX which was the prior one I discussed, you will see an account ending in XXXX. I am gon na leave this one brief and simple you see where it says capital one said to me that the account as not a secured card. First of all I had XXXX secured cards with them, due to robbery and identity theft issues, I only could get secured cards and the credit line was {$750.00}, CAPITAL ONE does not have a {$750.00} unsecured card. Not only that I put {$600.00} down on the card as a deposit, I have asked CAPITAL ONE to show me proof that it was not a secured card and they have refused to send any proof. This is a very serious situation and needs to be handled. I am have put well over 15 hours a week or more into all this since it happened in XX/XX/2012 with the robbery and every else that happened to be responsible, this could have been prevented and with the XXXX CAPITAL ONE has broken even more FCRA regulations then the other XXXX cards. I am disgusted and want my life back and CAPITAL ONE Needs grow up.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the Account listed below Which steel appears on my credit report, even after your investigation. I would like this immediately reinvestigated inaccuracies are highly injurious My credit score. 
XXXXXXXX XXXX XXXX  } { ACCOUNT NUMBER AS IT APPEARS ON REPORT XXXX } XXXX XXXX { CLIMB } { ACCOUNT NUMBER AS IT APPEARS ON REPORT XXXX } XXXX { XXXX XXXX XXXX XXXX { ACCOUNT NUMBER AS IT APPEARS ON REPORT XXXX } XXXX XXXX XXXX XXXX XXXX XXXX { ACCOUNT NUMBER AS IT APPEARS ON XXXX } XXXX { XXXX XXXX XXXX XXXX { ACCOUNT NUMBER AS IT APPEARS ON XXXX } In accordance with the Fair Credit Reporting act Public law 91506, Title Vl, Section 611.

Please provide the name and business addresses of each individual which whom you verified above so that I may follow up please send me an updated copy of my credit report after your investigation.

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

Name : XXXX XXXX XXXX Consumer ID : XXXX DOB : XX/XX/XXXX SSN : XXXX ID Type : Drivers License ID Number : XXXX Address : XXXX XXXX XXXX XXXX, State, Zip XXXX : XXXX XXXX XXXX XXXX XXXX To Whom This May Concern, I am writing to request an investigation of the following accounts that I have NEVER opened or used. I am requesting the deletion of the following information from my Early Warning consumer report immediately. XXXX ) Bank Name : XXXX XXXX XXXX XXXX a. Open Date : XX/XX/XXXX b. Routing Number : XXXX XXXX Account Number : XXXX XXXX ) Bank Name : XXXX XXXX XXXX XXXX a. Open Date : XX/XX/XXXX b. Routing Number : XXXX XXXX Account Number : XXXX Inquiries : XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

JPMCB CARD Opened : XX/XX/17 Credit limit : {$19000.00} 9 months potentially Negative reporting Inaccurate information that's hindering me from achieving my future goals.

Official interpretation of 13 ( b ) Billing Error Notice 1. Withdrawal of billing error notice by consumer. The creditor need not comply with the requirements of 1026.13 ( c ) through ( g ) of this section if the consumer concludes that no billing error occurred and voluntarily withdraws the billing error notice. The consumer 's withdrawal of a billing error notice may be oral, electronic or written.

2. Form of written notice. The creditor may require that the written notice not be made on the payment medium or other material accompanying the periodic statement if the creditor so stipulates in the billing rights statement required by 1026.6 ( a ) ( 5 ) or ( b ) ( 5 ) ( iii ), and 1026.9 ( a ). In addition, if the creditor stipulates in the billing rights statement that it accepts billing error notices submitted electronically, and states the means by which a consumer may electronically submit a billing error notice, a notice sent in such manner will be deemed to satisfy the written notice requirement for purposes of 1026.13 ( b ).
Product: Credit card

I received an alert that my credit report was accessed without my authorization on XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  XXXX.
Product: Student loan

I

am writing this letter in response to late payments showing on my credit history from Nelnet on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I found out these late payments where on my credit when I pulled my credit report on XX/XX/XXXX Once I was aware of the late payment status I logged into my Nelnet account online. I was sure that I had applied for forbearance during that time period and didnt understand why these late payments where on my account. However to my surprise all past account billing and forbearance letters had been removed from my online account from XX/XX/XXXX and back. Since I did not have any documentation listed there I decided to contact a Nelnet agent. When I inquired about the forbearance for XX/XX/XXXX I was told I was cover from that month to XX/XX/XXXX. I then ask why I would show late payments, and the agent then seemed confused and hesitant to inform me that my account was reflecting incorrect information. She just went on to say that I had missed the payments and they were valid, but could not explain the forbearance approval and how they could report missed payments during that forbearance period.

On XX/XX/XXXX I contact Nelnet once again to request a complete billing statement for the year XX/XX/XXXX to XX/XX/XXXX. I was informed again that there was a forbearance approved within XX/XX/XXXX. I requested that documentation but was informed that since it was not showing online for some reason that it had to be approved by another department before it could be sent to me. I was also informed that it could take up to a week before being sent. On that same day I decided to check my student loan information on the XXXX XXXX XXXX website. That is where I found that each of my loans that Nelnet services where showing a forbearance status. They are not showing missed payment or delinquent status.

I am requesting the investigation of this matter due to the fact that my loan status is showing forbearance status on each individual student loan. I dont feel that Nelnet is following proper procedure when it comes to updating the credit bureau and are reporting my information incorrectly.

Also I have attached the MyStudentData report showing each of the fifteen student loan accounts that Nelnet services. Each loan has the date highlighted in yellow before and after showing the status of the loan in Repayment before XX/XX/XXXX, then forbearance on XX/XX/XXXX, and then forbearance XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Since XX/XX/XXXXXXXX  Midland Credit Management threatened to suit me for {$480.00}. I sent this company a Debt Verification letter XX/XX/XXXX requesting the original contract with my wet signature on it containing information that I owe {$480.00} to their company from services rendered by their company
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed items on my credit report 180 days ago and the incorrect information is still reporting inaccurate for XXXX : I have disputed these account multiple times with no update throughout the entire 180 days. 

XXXX XXXX ~utility XXXX  XXXX installment { Listed incorrectly as a chargeoff } XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX credit card { listed incorrectly as a chargeoff }
Product: Mortgage

We had a mortgage takeover by a LLC that is responsible for paying a mortgage for a home they own and we do not pay for anymore. They fell behind on payments multiple times from XXXX to XXXX. So we had gotten paperwork for a foreclosure then the company finally decided to catch up on the payments but the damage to our credit was done by them not us and we want that corrected as it was not a direct result of our doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$360.00} Charge-off : XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX Balance : {$17000.00} XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of XXXX XXXX XXXXXXXX XXXX Date of XXXX XXXXXXXX XXXX Date of XXXX XXXX XXXX XXXX Date of XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry:07/08/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/XXXX I filled out a deferment request to XXXX XXXX XXXX XXXX. I never heard back in over 1 month. In XX/XX/XXXX ; I received a letter stating the form I sent was not the correct form and my request was denied. Around XX/XX/XXXX my credit report was reported that my account was 30, 60, 90 days past due and my score dropped 100 points. I filled out another form exactly the same as the previous form and in XX/XX/XXXX I was granted the deferment. I made payments in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
Product: Mortgage

I spoke with a representative with Freedom Mortgage Corporation  who advised that the company does not permit account holders to initiate or make payments through its online payment portal, other than the exact amount equal to the monthly loan payment. This representative advised one of the alternative methods is if the consumer/account holder initiates a payment through their customer service number, yet is assessed a fee. I believe that this company 's policy only impedes consumers/account holders from making multiple payment, and is detrimental and burdensome to its account holders. Additionally, the archaic online payment system is simply abnormal business practice. Banks and consumer credit card companies maintain online payment portals that allow its consumers/account holders the ability to issue 1 or several payments in real time, or scheduled in advance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Everything has to be 100 % accurate on my credit. XXXX  Account #, has violated my rights. 

The credit bureaus stated my account was properly investigation but how is that possible if the status update is different each bureaus, all 3 bureaus payment history is inaccurate, and past due amount last reported is are all different and not correct its showing different account types on all 3 bureaus swell which This is ground for removal they also violated my rights under, 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 ACCOUNTS LISTED BELOW : 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

After disputing online previously and getting a response of account verified.On XX/XX/21 I informed XXXX XXXX and TransUnion that incorrect information was being reported by my previous car company ( XXXX ) which is reporting a repossession on a paid off account, the account was paid off and traded in for a new vehicle in XX/XX/2021. I requested information on how this account was verified due to the fact that its paid off and was never provided that information.After 30 days I wrote again and also sent receipts from the dealer showing the car was paid off and traded in but the three bureaus have not removed the repossession status/remarks and they continue to report negative information for XXXX XXXX 2021 on a car thats paid for. Its clear this account is erroneous and incorrect.