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

I had a Health Savings Account, " HSA Account # 1, '' at UMB Bank as part of an insurance plan with my former employer, a XXXX. When I left my job at the XXXX, I retained HSA Account # 1. I started a job with a XXXX XXXX. Through my XXXX XXXX job, I had a second HSA health plan, which also used UMB Bank as trustee for the HSA.. That resulted in me having a second HSA, `` HSA Account # 2, '' at UMB. On XX/XX/XXXX, at my direction, UMB closed HSA Account # 1 and contributed {$1200.00} into HSA Account # 2. HSA Account # 2 should have had some amount at that time. My Form 5498-SA reflected a balance of {$710.00} at the end of XXXX. 

I have since left my job with the XXXX XXXX. I would like to transfer the amounts from HSA Account # 2 into a new HSA account I have under my new insurance plan. However, UMB Bank can not " find '' the funds in HSA Account # 2.

I have spoken to UMB customer service twice, with no resolution. The first time, on approximately XXXX XXXX, XXXX, they told me that had to do some " research '' and they would call me back. They did not call me back. I spoke with them today, XXXX XXXX, XXXX, and had not figured out where my funds are. They said that HSA Account # 2 was terminated. At what point they said it had a XXXX  balance, and at another point they said there was {$970.00}. In neither case could they advise on what actually happened with the account, how it showed the balance they were seeing, or how I could transfer the funds to my new HSA. They wanted again to hang up and do more " research. '' But I do not believe that they would actually do that and get back to me. I was then put on hold when I asked to speak to a supervisor. I could not remain on hold long enough, and had to hang up. All told, I have spent nearly 2.5 hours on the phone with UMB and they can not tell me where my money is. 

Nor could they advise me on how to access my account information online for HSA Account # 2, so I could attempt to verify their information. They said that I had to contact the insurance company, but I had done that and they told me to contact the bank. Moreover, the bank clearly is the trustee on my account -- they do not dispute that, and that is what my Form 5498-SA says.

So what I need is : 1. A detailed transaction ledger for all of my HSA funds at UMB Bank, regardless of account. I need to be able to verify what happened to my money.

2. Clear instructions on how to transfer my UMB HSA funds into my next account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing items on my credit file such as personal information, accounts and inquiries that i have been trying to get removed off of my file but this company always say they verified the correct information which in reporting all of my credit file is inaccurate that i continue to show proof and documents but still i get nowhere.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$5500.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, 2019, I have found multiple student loan accounts that I have never used being reported on my personal credit report. XXXX, Equifax and XXXX XXXX were reporting identical fraudulent student loans on my credit report. 
After submitting identity theft report and a police report to remove false accounts from my credit report, XXXX  managed to remove all accounts except one, and XXXX XXXX removed all of fraudulent student loan accounts. 
But, Equifax is not removing any of fraudulent accounts from my credit report. I am certain that XXXX XXXX and XXXX  found accounts to be fraudulent accounts, so they have removed and block all of fraudulent accounts. I do not understand how Equifax is only agency found these false accounts to be correct accounts that are mine. 
I have requested many times to validate these accounts by providing hard copies that prove that accounts are mine, but Equifax and student loan provider are not validating these accounts ' authenticity. 
Accounts that were involved with identity theft crime are listed below. 

DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DPT EDXXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX  XXXX
Product: Student loan

Navient claims to offer a co-signer release on their private student loans but I believe their offer is misleading, bordering on dishonest. Navient claims that in order to apply for the co-signer release benefit, a customer must provide proof of successful completion of school, be a US citizen, be up to date and have made 12 consecutive, on-time payments of principal and interest immediately before applying, and pass a credit check including income verification when the release request is processed. My application was denied for the following vague, generic, arbitrary reason : " proportion of loan balances to loan amounts too high//balances on revolving accounts too high in proportion to limits//time since delinquency is too recent or unknown. '' Despite having paid my loans as agreed and despite demonstrating the financial ability to re-pay my loans, Navient denied my application using arbitrary criteria. They failed to provide any criteria to me that would result in an approval of my application if, in fact, they actually do approve co-signer release applications from any of their customers. My understanding is that lenders would prefer to have XXXX people " on the hook '' rather than one person, giving them little if any reason to approve any co-signer release application. If this is the case, the offer of a co-signer release is simply a scam. Navient never provided rates of co-signer release application approval rates prior to me acquiring a co-signer nor have they provided application approval rates at this time. Navient suggested that I may apply for a co-signer release at any time while failing to notify me that these applications may negatively impact my credit score. I do not believe that Navient has any interest in releasing co-signers as it is to their financial benefit to deny any release application they might receive.
Product: Credit card

I checked on my CareCredit account on Friday in preparation for a vet visit I had scheduled for today, Monday, XX/XX/23. It said I had {$2000.00} available to spend. I was denied at the vet today and when I called, CareCredit informed me that they closed my account yesterday, XX/XX/23, for inactivity, however I got absolutely no notification or warning that they were going to do that. 

As you know, closing a credit account will hurt my credit score. I can apply for a new account, but that will also hurt my credit score. 

I don't think I should be penalized for paying this off on time, and not having use for it until today, especially since this is a credit card specifically intended for medical, veterinary, and dental services. If I had been warned about the impending closure, I would have used it for services I received last week, and kept it active for this vet visit I had today and the dental work I have scheduled in a couple of weeks. It should be illegal for a credit company to close a credit account for any reason without warning the account holder.
Product: Student loan

XXXX This is the complaint i originally submitted to CFPB. 

I called XXXX on XX/XX/XXXXXXXX  to complain about my student loan balance. They showed a principal of {$12000.00} in loan XXXX. I explained I had taken out a balance of {$20000.00}. I asked if I could pay it in full at that date. EdFinancial looked at my loans and told me that loan balance was {$12000.00}. I requested a loan balance confirmation. I was told I could get one, and the operator told me that if the remaining loan balance was not showing I should let it go. I requested a loan balance confirmation which I received on XX/XX/XXXXXXXX  showing I only owed {$12000.00}. By XX/XX/XXXX I paid my loans in full, I paid XXXX before that date. I received a paid in full notice, which is reflected on the website. I had paid off all student loans in full. As of XX/XX/XXXX I received a notice that my grace period has ended. I looked at the notice and saw I had the {$8200.00} in my account, with the interest backdated and accruing. I was unable to pay off this principal and the interest for months. I had received a notice that I had paid my loans in full. On their website, they rescinded my paid in full letter for loan XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX  XXXX  XXXX  ACCOUNTS ARE STILL REPORTING NEGATIVELY ON MY CREDIT REPORTS BOTH OF THE ACCOUNTS ARE FROM XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE REMOVE OFF OF MY CREDIT REPORT.  I HAVE ATTEMPTED TO REMOVE BOTH NEGATIVE ACCOUNTS FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE NOR SUCCESS FROM EITHER OF THE BUREAUS. I DON'T UNDERSTAND WHY THESE ACCOUNTS ARE STILL REPORTING, IF THE ACCOUNTS AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THOSE ACCOUNTS IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNTS REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 

I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 

My personal information is as follows : Full Name : XXXX XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX  XXXX Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 

Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Phone : XXXX Email : XXXX [ Date ] Experian Dispute Department XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX Department XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : Notification of Removal of XXXX XXXX XXXX XXXX Account by XXXX To Whom It May Concern, I am writing to inform you that XXXX has recently completed an investigation and has removed the XXXX XXXX XXXX XXXX account from my credit report. The details of the removed account are as follows : XXXX XXXX XXXX XXXX Account : Account Number : XXXX ( Experian ) Account Number : XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX Status : Account charged off. {$44000.00} written off. {$23000.00} past due as of XX/XX/XXXX. 
Balance : {$23000.00} Balance Updated : XX/XX/XXXX Original Balance : {$47000.00} Last Payment Date : XX/XX/XXXX Past Due Amount : {$23000.00} Terms : 72 Months Payment History : Multiple months showing CO ( Charge Off ) status and past due statuses. 

Given that XXXX has determined this information to be inaccurate and has removed it from my credit report, I am formally requesting that Experian and XXXX also remove this account from their records to ensure accuracy and consistency across all credit reports. 

As per the Fair Credit Reporting Act ( FCRA ), it is essential that all information reported is accurate and up-to-date. Since XXXX has validated that this information does not meet these standards, I expect that Experian and XXXX will take similar action. 

Please acknowledge receipt of this letter and confirm in writing that the XXXX XXXX XXXX XXXX account has been removed from my credit reports. 

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

Sincerely, XXXX XXXX XXXX Attachments : 1. XXXX Dispute Results ( showing removal of XXXX XXXX XXXX XXXX account ) 2. Copy of Credit Report with Discrepancies Highlighted CC : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) New York State Department of Financial Services Feel free to adjust the details or add any other information that you find relevant.
Product: Credit card or prepaid card

I am filing a complaint of stolen identity. A card was opened under my name and social security number. This was fraudulent and there were two charges placed on the card totaling more than {$4000.00}. I just found out today XX/XX/XXXX. The address is an old address of mine and the phone number is incorrect. It was used in a different state than where I live. It says it was opened XX/XX/XXXX and on XX/XX/XXXX a charge of {$3100.00} and a charge of {$1400.00} were made on the card, totaling {$4600.00}. I did not make these charges. I did not open this credit card. I did not authorize these charges. I called XXXX under comenity bank and notified them of the fraudulent credit card opening and use immediately ( today XX/XX/XXXX ). I need to report this stolen identity and fraud so that my account can be closed and the charges can be removed from my name and SSN.
Product: Credit card

The company has written off this from my account with them, and while trying to dispute with " XXXX '' the collection agency is still trying to collect on the account. They did NOT notify me of the closure, they never sent me a 1099C form.
Product: Credit reporting, credit repair services, or other personal consumer reports

Navient reported me as 60 days delinquent to the CRAs in XX/XX/XXXX ; however, if you look at my credit report you will see that they reported me as current for XX/XX/XXXX. One can not go from being current in one month to being 60 days past due the following month. Either Navient incorrectly reported me as current in XX/XX/XXXX OR Navient incorrectly reported me as 60 days late in XX/XX/XXXX. It is not possible that the company 's records substantiated both records at the time they were furnished. 

This illogical reporting calls into question the integrity of Navient 's reporting and whether it accurately reflects the terms of liability for the credit account as well as my performance and conduct with respect to the account. 

I question the status of my loan that Navient reported to its Board of Directors in those months where they designated me " current '' on my credit report but charged me late fees, which I just learned they have done 30 times in the past two years despite me having made payments on time.
Product: Payday loan, title loan, personal loan, or advance loan

Last Thursday XX/XX/XXXX I reached out to Afterpay to see why I wasnt able to extend two of my orders exposing I had to pay late rent and my car payment. The order # s are XXXX & XXXX. I endure up speaking to an employee who called me name XXXX XXXX I explained my issue and he reassured me I would keep my MINT Status and he would remove my late payment marking from my profile once I made payment and that I had a 10 day grace period to do so. I am not at my 10 day however on Saturday morning XX/XX/XXXX AFTERPAY stripped me of my tier and a guy name XXXX emailed me saying Its final and they also took away my credit which I have a credit of {$2500.00} with them but I have a balance that I have been paying even after this issue. I have sent several emails to follow up requesting they listen to the call and restore my tier as I was reassured nothing would change they have been giving me the run around and playing email tag. I have been a long time customer w/Afterpay and this is XXXX. I followed the instructions of the employee with also being reassured everything would be OK no changes and they did the opposite I need help with this because I dont feel they are taking me seriously they also closed my card with them
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed a few account with transunion, and ice called transunion XXXX the phone and was greeted by some rude staff that barely speak a lick of XXXX, nor do they want to process disputes, nor investigate properly, to resolve my issue, because they keep transferring me all the way to XXXX, Then they transfer to social accounts sections, instead of handling my dispute on the spot, Transunion has also re aged an old child support account, that never seems to go away, knowing that this account is past statute of limitations to XXXX reported, because of the date of first delinquency is XX/XX/XXXX, they tampered with the Date of First Delinquencies on my credit, eliminating XXXX yrs worth of delinquent information, and replacing it with date of first delinquencies from XXXX, Transunion wilfully violated the Fair credit reporting act by helping the creditor to delete information, evidence is attached, then transunion is reporting a judgement they closed a d deleted after I disputed the information, and provided proof it was a judgment, transunion purpose re inserts the judgment back on my credit report, when I gave them the judgement paperwork the second 7th time, showing them it is a judgement they sit up here and lie on the phone, saying XXXX not a judgment, but when I apply for credit, and get denied, the company that denied me sends me a letter stating it is because of a judgment from XXXX XXXX XXXX XXXX on my credit report, transunion is a deceptive company, and transunion has nothing but a bunch of con artists working up there,. I have hired an attorney to sue them with XXXX  good amount of evidence against transunion violating the fair credit reporting act laws, they have 30 days to do a proper, thorough investigation tht abides by XXXX FCRA, and Consumer Protection Plan, and remove these 2 accounts from my credit or suffer consequences in court. 

XXXX XXXX XXXX XXXX - Delete from my credit XXXX XXXX child support- delete from my credit report.
Product: Debt collection

company keep calling me about another person debt on my job. They are very rude and want to argue with me when I tell them they have the wrong phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft XXXX XXXX   XXXX, XXXX  XXXX,
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a concerning matter regarding the reporting of late payments to the credit bureaus on my account. I have been diligently maintaining my payments and have never missed a payment deadline. 

Upon reviewing my credit report, I was astonished to discover that late payments were reported for XXXX and XX/XX/2017. I must stress that I have always adhered to an income-driven payment plan as a low-income student. As such, the reporting of late payments is entirely inaccurate and does not reflect my payment history. 

I have made previous attempts to rectify this issue through your customer service channels, but unfortunately, I have not received satisfactory assistance. I am genuinely concerned about the impact this misinformation may have on my credit score and financial standing. 

I kindly request your immediate attention and action to rectify this error. It is crucial that these inaccuracies are promptly corrected with the credit bureaus to accurately reflect my history of timely payments.
Product: Checking or savings account

This is related to my prior complaint ID XXXX filed against M & T bank. After filed my prior complainton on XX/XX/XXXX as my account had been blocked by almost 2 months without any feedback, I received a response on XX/XX/XXXX saying my account was unblocked. I was able to withdraw {$2000.00} from my M & T checking account to my XXXX broker account. However, the next day on XXXX I missed a phone call from M & T bank and then found out my account was blocked again. I called back and after being transferred several times I was transferred to the Bank 's Fraud Department. I was put into a voicemail saying I was No. XXXX on the phone queue and was told I could choose to let the Bank call me back. I entered the callback information and then waited for the Bank to call me back. It has been 9 days now since then, I never received a call back from M & T, nor any emails or letters. I also initiated calls several times and but my calls could never go through. This is the same pattern as last time- the bank has very poort fraud operations and does not put customers first!