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

Optum has been holding the funds in my FSA for months, at first denying claims, then appearing to approve claims after being challenged, and then repeatedly claiming to have released funds by mailed check, without a check actually being sent or received. Two claims have been made and resulted in these issues. Phone calls made to Optum over the months of XXXX, XXXX, XXXX, and XXXX have resulted in repeated assurances that funds had been approved and disbursed -- but the funds remain locked away. A total of over {$2000.00} has been deducted from my pay, but I have absolutely no confidence that any claims will actually result in disbursement before the deadline of XX/XX/XXXX for all claims against that amount. Optum 's business model appears to be to deny, delay, and dissemble. After these two claims were delayed for so long, I applied for a debit card so that I could more easily access funds -- and immediately began receiving challenges from Optum requiring " additional proof '' for expenses to demonstrate they are valid medical expenses. These purchases included both over the counter cold and pain relief medicines, as well as copayments on prescription drugs -- expenses so obviously and clearly valid and approved for FSA expenditures that the additional proof requirement can only be seen as a further hurdle and disincentive to actually apply for or use the funds under Optum 's management. Furthermore, the requirement for every small-dollar amount transaction, when combined with the cumbersome process Optum 's website offers of supplying additional proof, and further combined with Optum 's XXXX over its denials of claims ( i.e. not stating the rationale for a claim being denied ) leads to even greater disincentive to file claims. Ultimately, this bank is a bad actor, acting in bad faith against the interests of its clients, locking away funds behind a wall of cumbersome and burdensome proof requirements, supplying categorical reassurances that they are acting in earnest to issue repayments on claims, and evidently not actually releasing funds in a timely manner, if at all. Requests for information on who to complain to, how to file complaints, and who regulates their conduct and business were met with non-responses and further assurances that they were doing all they could to process claims in a timely fashion. Of the three claims I have filed since XXXX, XXXX was denied despite a letter of medical necessity as required by the IRS, one was denied, then after a call disputing the denial, Optum 's representative claimed it had never been denied but was approved, but no check had been issued, and that claim has been " approved '' but not disbursed since XXXX, and another claim from XXXX was approved but a check not received until late XXXX ( despite a XXXX business day turn around time claimed by Optum ). Optum Bank does not act with the best interest of its customers in mind. Its assurances and refusal to disclose information about denials or complaints processes point to its corrupt business practices as being firmly entrenched in its policies and culture.
Product: Debt collection

LVNV Funding refuses to validate the debt. Several attempts were made to validate this debt and they refuse to provide or investigate anything. I was never given initial notice of this debt before it was listed on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid in full on the account with XXXX XXXX for the {$290.00} dollars on XX/XX/2018. In the front of the check shows paid in full as agreed when they accepted the terms and conditions when they cashed this check. Also the XXXX rep that made the deal told me that this account will show paid in full and the account will be deleted from my credit report. And that is not the case so I'm now compelled to file a complaint with your company to force XXXX XXXX  to remove this negative information off of my XXXX credit report and XXXX credit reporting agency. And the name that XXXX is reporting of XXXX XXXX XXXX is not my name and is inaccurate information about me. My name is XXXX XXXX  XXXX XXXX is my name.
Product: Checking or savings account

A check from XXXX XXXX XXXX was deposited into my savings account at the XXXX XXXX XXXX branch in XXXX XXXX CA on the XXXX of XXXX. Savings account number XXXX. 
The funds were taken from XXXX XXXX XXXX on the XXXX of XX/XX/2023 from the issuing bank and Chase states that the check was on a mandatory 11 day from deposit date despite this. 
The bank and writer of the check were notified by me in person on the XXXX of XXXX and both concurred that there were sufficient funds in the issuing bank account. 
I asked Chase bank via their customer service number XXXX if they could waive the 11day hold. I was told no. 
I think this an unfair business practice and am filing a complaint. 
Thank you for your time XXXX XXXX XXXX
Product: Mortgage

I have had a mortgage loan with Chase since XXXX. I have made payments on time and have been current on the mortgage for several years. I have cancelled checks to prove it as well as statements from Chase. Chase however says I am XXXX payments behind from XXXX. I sent them a letter and documentation showing all payments were made and on time. After XXXX weeks, they sent me a letter that actually I was late in XXXX and that for the past several years, they have been putting my payments in a suspense account and periodically took money from suspense to pay the loan. I was never told there was such a suspense account and was surprised since I was current with payments for years. In a nutshell, they set up a suspense account without telling me and while my statements from Chase said they received my payments, they did n't tell me they were applying them to some suspense account instead of applying them to the loan. Because they believe I am XXXX payments behind, they returned my XXXX XXXX payment because they want XXXX payments in full. I explained I made all the payments and do n't owe them that money. The customer service rep. has only returned XXXX of the XXXX calls I placed to her and did n't have an answer for why there is a suspense account. She would not take all my cancelled checks for XXXX but I faxed them to Chase anyway. This has been going on since XXXX XXXX. Chase needs to find the missing money and apply my payments to my mortgage and not to a suspense account. And they need to tell the credit bureaus I am and have been current on my loan. And they need to reverse the late fee they applied in XXXX since I was n't late. And last they need to let me make my payments as I have been doing for many years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX CREDIT ACCEPTANCE XXXX  XXXX ... XXXX XXXX ..XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Vehicle loan or lease

The autopay plus program was illegally sold to me as something that would debit my bank account twice a month to accelerate my loan to save money on interest. The Consumer Financial Protection Bureau got involved and I received a check for XXXX in XXXX. BUT now that company is trying to do something else, obviously because they had to pay out that money you got us all. 
I received a text saying if I did not submit a lender statement that they would charge me a dollar a debit. That is XXXX a month. I called the dealership where I purchased my car 4 years ago and they don't know anything about this or even a lender statement. I called XXXX and they said most people just ignore it and pay the XXXX. I asked for a manager to call me and I did receive a call from a man but when I went to return it, it was not to a direct line but to the general one. Hence, I am writing to you. 
This company did not start this charge until 4 years later and after your agency fined them. Obviously, it is to recoup their money from consumers they are hoping will ignore it as it is a small fee. These small fees become a large amount of money when many consumers are involved. I would appreciate your prompt investigation into this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of repeated identity theft. There were several RECENT accounts opened in my name and it seems the accounts are attached to one of my homes Im rarely at. 

1. XXXX XXXX Open Date : XX/XX/XXXX Balance : {$24000.00} I filed a police report XX/XX/XXXX for identity theft and sent it to all bereaus, totally unaware at the time of this account cause it wasnt posted yet. This is not my account, please remove this. Its off my XXXX  but Equifax and XXXX has yet to comply even though Ive sent in police reports. 

2. XXXX XXXX Credit Card Open Date : XX/XX/XXXX Balance : {$1200.00} Again this is not an account I authorized nor opened. I filed a police report. I was staying at my other home in XXXX, XXXX   at the time these accounts were opened. 
I am asking Equifax, XXXX XXXX, and XXXX  to please remove this fraudulent account. 
3. XXXX XXXX XXXX Open Date : XX/XX/XXXX Balance : {$8500.00} Ive filed a police report on identify theft. 
4. XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$7500.00} This account has been reporting since XX/XX/XXXX. Ive disputed this account. Also, XXXX   Statue Of Limitations on debt credit reporting is 6 years. This account is still reporting to Equifax and XXXX  in XX/XX/XXXX. That is against the law. Please remove this account
Product: Credit card or prepaid card

After having cards on my American Express account issued to two people, I have begun getting solicitations via USPS from XXXX XXXX and others. 


To expand : I've expressed concern to AMEX that my information was being sold on a mailing list on two separate occasions. The service representative at AMEX stated that they do not sell my information. In both instances, I was assured a return call within 24 hours. 

AMEX will not return my calls. 

I worry about the security of my identity when things like this happen and AMEX isn't helping the matter by behaving as if they have something to hide.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a letter sent out to me that said I could settle an account on my Credit Report for XXXX XXXX XXXX. It was in Collections, and by setttling it ; it would move out of collections and be closed within good standing. It updated ( good standing ) on 2 reports, was sold to another lender though, and. Im having an issue getting TranUnion Credits Report updated, Its returned back on other reports, like XXXX XXXX, and now Im having it difficulties getting it removed from the collections section ; paid off, and showing in good standing. I had disputed it too soon at first, unaware of what it was in XXXX. Because of that TranUnion wont allow me to ever dispute it again, and its impacting my score terribly on that particular Credit report, and now all of them as this new lender cross paths as I settled and paid it off, and is placing it back everywhere it seems
Product: Credit reporting or other personal consumer reports

Pulled my credit reports only to discover two accounts had been charged off. I contacted the company to request for a 1099C for tax purposes and was told they would not provide me one.
Product: Credit reporting or other personal consumer reports

Company is not authorized to conduct business in my resident state of Illinois
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX DEPT OF ED/XXXX # XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concerns, please remove those charges from my credit reports. They are fraudulent accounts and I did not give permission to any of these people to apply any charges on my accounts. This is very stressful the fact that I constantly have to worry about people using my name wrongly. 

Thank you.
Product: Debt collection

Navient handed my account over to their debt collectors. That # is XXXX. 
XXXX XXXX ( my assigned account manager ) is combative and misleading.

The other account manager I believe his name is XXXX, told me I was being litigated ( XX/XX/18 phone call took place ) and this wasn't the case. He was threatening and abusive. They use scare tactics and abuse to humiliate people over the phone. Absolutely disgraceful.
Product: Student loan

XX/XX/XXXX. Student Loan servicer Navient. There are very limited ways to switch your payment due when you're trying to avoid being delinquent and switch to autopay. For three months, I have tried to switch the due data for cash flow to the XX/XX/XXXX of the month. Each time, Navient says this isn't possible without paying twice on the same loan for the month because of when the payment falls ( on the XX/XX/XXXX of the month ). That the only way is through an administrative forbearance.The whole point of me trying to switch a due date ( for the same month ) is to be on time with payments. This is infuriating. 

I was also told that I could adjust the payment due date if I signed up for autopayments online. Um, no. It doesn't have that functionality. 

Basically all Navient customer service seems to know how to do is put you in forbearance -- hence there are numerous lawsuits.
Product: Consumer Loan

Please see attached. No response on previous complaint # XXXX. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022 I SENT A LETTER REGARDING INACCURATE INFORMATION ON MY CREDIT REPORT TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE, I FEEL LIKE I AM BEING TAKING ADVANTAGE OF AND BEING IGNORE OF MY DISPUTES. SECTION 611 ( a ) IT PLAINLY STATED THAT A FAILURE TO INVESTIGATE THESE ITEMS WITH IN 30 DAYS GIVES A REASON TO IMMEDIATELY REMOVE THOSE ITEMS FROM MY CREDIT REPORT, IT HAS BEEN OVER 60 DAYS SO THEY SHOULD BE DELETED PROMPTLY. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSE ME. MY INFORMATION WAS ALSO IMPACTED BY THE XXXX XXXX BREACH AND MAY HAVE GOT INTO THE HANDS OF THE WRONG PERSON.
Product: Credit card or prepaid card

I received an email that an application for a Bank of America credit card was opened in my name.
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX a natural real person. After informing each credit agency of the errors on my credit report and the violation of not only the fair credit reporting act and the privacy act of 1974, they have continued to ignore my rights and ignored my request of deletion of these accounts.This is my last step of requesting for help or I will take legal action. I am very committed to ensuring my rights title an interest are given to me. Furthermore by not informing me within 5 days of receiving my dispute each credit agency violated 15 U.S. Code 1681 ( i ) ( 2 ) ( A ) - Procedure in case of disputed accuracy Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. Under 15 U.S. Code 1681- Congressional findings and statement of purpose ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. And as a consumer my rights have not been treated with respect. Furthermore Each credit agency has continued to violate section 15 U.S. Code 1681i - Procedure in case of disputed accuracy ; ( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. They have once deleted DISCOVER # XXXX and then reinserted it into my file and did not give me anything in writing within 5 business days stating reasons or proof of error. Under 15 USC 1681 ( a ) ( e ) investigative consumer report the steps outlined in proving accuracy was not properly executed. I want each account below deleted immediately
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following inquiries need to be removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 items listed below : 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

Old information keeps reappearing. World Omni finance Corp. charged off this account transferred to recovery and was paid on account. They got ta paid off balance yet still want the balance and they keep accruing interest charges on the account. Plus world Omni is showing it open when charged off 4 years ago. Word Omni needs to report correctly with a XXXX balance cause they got their money for this scion and still looking for full payment with interests accruing. Plus I co signed on account was not my car not did I make the payments. Please remove all updated information since went to recovery 4 years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, 3 accounts were disputed to TransUnion that the accounts on my credit report are reporting inaccurately. Transunion is in violation of the FCPA for not entering the notice of dispute 30 days after the account or item is disputed. After months of bringing it to the attention of Transunion of the violation, they refuse to delete the inaccurate accounts off my credit report. FCRA 623 ( a ) ( 3 ) states once a consumer disputes information, you may not report that information to a CRA without telling the CRA that the information is in dispute. Transunion has sent a response that their records show that they previously completed an investigation and that the accounts were verified. I did not request the accounts be verified. For Transunion 's non-compliance of the FCRA, I am aware that Transunion may be sued by me, the FTC, CFPB, and state governments of a maximum penalty of {$4000.00} per violation in the case of lawsuits brought by the FTC. FCRA 616, 617, 62. A copy of the complaint will be sent to the FTC and the Texas Attorney General.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX BALANCE {$450.00} This is Fraudulent and not my debt.
Product: Checking or savings account

My information was leaked during a data breach sometime last year. I received a call from what I thought was USAA to tell me that my account was in jeopardy and they read my information to me exactly ( full card #, full account #, etc ) and told me they needed me to verify a pin code. The short version is this was a phishing scam using information. The scammers made many international money transfers, one after another, over a period of a few weeks. I didn't notice because it was small amounts until one large one went through. I disputed these with the bank, who sided with me on 1 transaction, and declined me on the others. The merchant sent a copy of an -old- drivers license, and a selfie of an individual who is not me, obviously information obtained from the data breach. For many months I have been dealing with identity theft, with people obtaining employment as me, opening XXXX accounts as me, applying for credit cards and loans, etc. A nightmare. 

USAA ruled against me and held me responsible for the illegal transactions and theft. I submitted a police report, an identity theft report, and they still sided against me. They took my account negative {$2900.00} from theft and fraudulent transactions. I contacted the CEO 's office executive communications line, who said they would begin a new investigation. The account was then charged off, and deleted costing me my direct employment account and a bank account I've had for years. 

They failed to keep my account open and failed to protect me from fraudulent transactions and failed to live up to their member agreement not holding me liable. 
I was then sent out to collections for the amount of the theft.