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

The employer laid me off in XXXX and I paid for COBRA coverage to extend my health plan to the end of XXXX. 

As part of my benefits the health plan included a health savings account ( HSA ) and a limited purpose flexible spending account ( FSA ) that Optum Bank administers.

Optum issued one debit card that is used for both accounts. At one point in the past I could go on line and mark what account the charges should go against.

The FSA can only be for dental and eye care, while the HSA can be used for any medical expense. 
I paid my dentist in XXXX {$17.00} for an appointment I had on XXXX I paid my eye doctor for contacts {$240.00} XXXX 

They posted these two charges against my H.S.A account in XXXX. 
I tried to use my card to pay for another medical provider and it was rejected. 

I went on line to check the status and saw they put the two charges that should have gone to the FSA against the HSA. I am no longer able to change which account the charge goes against. I contacted them via the message function in my account. I will attach the string of messages to this complaint. 
I first contacted them on XX/XX/year> asking how to move. 
They responded on XX/XX/XXXX asking for details of the transactions. 
I provided that to them on XX/XX/XXXX, they responded the same day that it would take 2-3 business days to fix. 
XX/XX/XXXX it hadnt been corrected So I reached out to them again. They responded the same day that the request was routed to wrong team but they fixed that and to give it more time. 

XX/XX/XXXX I reached out again and they said to give it 3 to 5 business days. 

I reached out again and their XX/XX/XXXX response now is that my FSA is suspended. I expected my FSA to close since my insurance plan ended XX/XX/XXXX but these transactions took place in XXXX and my HSA is still active.

My HSA account has {$69.00} and my FSA has {$230.00}.

The charges that should have gone to my FSA total Total XXXX. 
That is XXXX more than what is in FSA, so all but the XXXX should go back to HSA.

I should then have {$280.00} in my HSA
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX, TX XXXX XX/XX/year> To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX. Current Address : XXXX XXXX  XXXX # XXXX XXXX XXXX, TX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the XXXX above. 
I demand my date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 

My contact information is as follows : XXXX XXXX XXXX XXXX  XXXX # XXXX XXXX XXXX, TX XXXX Sincerely, XXXX XXXX
Product: Debt collection

i have called the debt collection agency and they don't have any info on the debt they keep telling me to wait and i have waited for over a month now and they still wont delete the 3 collections of 985
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX AND TRANSUNION, KEEP VALIDATING A BANKRUPTCY ON MY CONSUMER REPORT. 

THEY SAY THE COMPANY REPORTING HAS VERIFIED THE BANKRUPTCY. 

I HAVE MY CONSUMER FILE FROM ( XXXX XXXX ) THE COMPANY VERIFYING AND THEY DO NOT HAVE A BANKRUPTCY ON MY CONSUMER FILE. 

HOW IS XXXX AND TRANSUNION VERIFYING THIS INFORMATION IF THE COMPANY THEY STATE VERIFIED SAYS IT DOES NOT EXIST. 

PLEASE HAVE XXXX AND TRANSUNION DELETE FROM MY CONSUMER FILE. 

PLEASE FINE XXXX AND TRANSUNION FOR FAILING TO RE-INVESTIGATE, THEY ARE VIOLATING MY CONSUMER RIGHTS AND NEED TO BE FINED.
Product: Debt collection

I owe a old credit card debt to XXXX  XXXX. the debt was taken over by Malen & Associates , p.c . The company repeated calls and harasses using a call screener with multiple automated messages. The company has a stipulation of settlement and the company has collected payments and refused settlement. the company still calls me using a automated dialer with a automated message during lunch and dinner. The company is aware i want to settle the debt for less than is owed, and will not stop the harassing communications.
Product: Debt collection

I am writing to report fraudulent accounts on my credit report, confirmed by an identity theft report filed on identitytheft.gov. The associated banks, unable to provide records, have assured me of immediate removal. 
Affected Accounts : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filling this request several credit inquiries that were unauthorized to be removed from my credit report. They are as follows. 
XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

Transunion stated they can not update that my student loan was taken care of so I will upload the letter from XXXX  which was my student loan company.
Product: Checking or savings account

My account was locked for trying to withdrawal my funds and Im going threw a fincacial crisis not being able to access my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I was advised via emails from my credit monitoring service that requests for my TransUnion credit report had been made by XXXX ( credit union ), XXXX XXXX XXXX XXXX ( finance/personal ), and XXXX XXXX XXXX ( finance/personal ). On XX/XX/2019, I received another email from my credit monitoring service stating that a request for my TransUnion credit report had also been made by XXXX XXXX XXXXWH XXXX XXXX XXXX XXXX XXXX MD XXXX ( Automotive ). All four of these requests were previously unknown to me and were never authorized by me. 

On XX/XX/XXXX and XXXX, XX/XX/2019, respectively, I received letters from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX indicating that they could not extend me credit based on credit applications in my name that had been forwarded to them by XXXX ( XXXX ). Again, I was previously unaware of these unauthorized and fraudulent credit applications. The letter from XXXX XXXX XXXX XXXX stated that " the only addition to your credit report will be an inquiry from us. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In attempting to purchase a new car I was advised derived from my Equifax report that there was a credit freeze applied. This was NOT through any effort of mine but was applied by a third party unbeknown and never heard of previous by me. I NEVER used their services. An attempt to call to resolve was met with this- 1. Submit a written request by secured fax at ( XXXX ) XXXX or by mail to : XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, CA XXXX ; or 2. Call us at ( XXXX ) XXXX. I find this a great abuse of power and fraud. Their action providing a lie and incorrect information not only cost me the sale but contributed to adverse financial impact upon me and mine. I have had consistent and major problems with credit reporting agencies NOT reporting correctly or repairing the damage in an efficient time or manner. All three allegedly have reporting data accessed and prepared outside of these United States and they fail to respond to my request to cease even though multiple written reports have been made to them and through your hollow shell of a protection resource. WHY? The fact is just a day before y credit score was reported to me 100 points higher. In my opinion this entire system is a mere con and shell game to exploit and defraud people to gain higher interest rates and money! As you say and to paraphrase in my own understanding and words- go away and get a lawyer! You say it not me! As a post script I had a freeze through the major bureaus removed almost two years ago and it is evident by the evidence presented there is in my opinion a major flaw in this entire system
Product: Credit reporting or other personal consumer reports

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: Student loan

I transferred to XXXX university in XX/XX/XXXX. I was told by the admission adviser the first class was a free base on what they call XXXX XXXX XXXX XXXX. My financial aid kicked in during the subsequent term but XXXX found a way to charge me another {$2000.00} for during that term. I was also charged for the same complementary course they offered me as well. I reached out to them when I saw the charge in XXXX and was told it was going to be taken care of. Fast forward in XXXX, I received a bill for {$4100.00} from a company caller XXXX XXXX on behalf of XXXX. I emailed my student Admission ( XXXX XXXX ) and told him about the invoice. He forwarded the emailed to a Student account representative by the name of XXXX XXXX. XXXX to me I was not eligible for the complementary course but that was not communicated to me in XXXX till XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX, I got an offer from Upgrade saying I was pre approved for a {$3500.00} credit limit. I applied as I am building credit and need a higher limit than I currently have on another card. I was approved, and they extended a limit of {$1000.00} and the rest would be unlocked after I submitted my two most recent paystubs. I did this that same day, XX/XX/XXXX. I did not hear a single thing from this company until XX/XX/XXXX when I got an adverse action notice saying my application was denied because they didnt receive my paystubs. They gave me a support email and phone number if I had any questions. I emailed on XX/XX/30 and someone emailed me back saying they cant help me and I have to call. Ive called 3 times now today XXXX with a 20 minute wait time each and every single time the agent puts me on hold to research my account and then hangs up on me. I cant get a straight answer. I feel like I was lied to about the credit limit and they had no intention of giving me the higher limit and I would not have opened the account for the lower limit. It wasnt worth it to do it and I feel like I was part of a bait and switch. The fact that I keep getting hung up on is concerning.
Product: Credit reporting or other personal consumer reports

I understand that it is my right to obtain a copy of my Drivers History report, under the Fair Credit Reporting Act. I am requestinga copy of my Drivers History report sent to me via mail.
Product: Mortgage

I initially started the process of buying my home back in XXXX. My mortgage started with GMAC and then was sold to Ocwen and then PHH mortgage. My purchase home price in XXXX was XXXX. When my mortgage was with OCWEN I was quoted a a mortgage payoff of XXXX. Now PHH mortgage is telling me my mortgage is back at the original price of XXXX after almost thirty years of making payments. They quoted a refinance I did back in XXXX as the beginning year of buying my home. Would you please look into this matter for me. My loan is in preditory status. I would like to pursue class action lawsuit against all three mortgage companys.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX I called in to make my car payment via phone due to having to update my banking information Checkings Account Number and  Routing .... I was speaking with a rep that was not to fluent in English and continuously kept asking her to repeat my account number back to be to ensure accuracy ; however, she would not she just kept stating she had to correct number due to her frustration. 

In turn, I was docked for being late 2 months in a row due to the bank account number not being found upon the company processing the payment ; however, I was not notified until calling in to process another payment. 

I have disputed this information via the CRAs and with the XXXX Executive Relations Department ; however, they are stating that I am responsible for the information the rep inserted even though I clearly asked her multiple time to repeat the account information back to me after multiple attempts. 

I have been a XXXX customer for almost 3 years with no lates until experiencing this issue and everytime I try to resolve the issue I am informed they will no longer investigate because the information is correct even though the error was simply due to an error with the customer service rep.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX. I am submitting this complaint on behalf of myself and not a third party. 
I previously submitted a complaint and it went unresolved. 
My final attempt at this level to make Equifax aware that I have never signed an Affidavit nor giving Equifax consent to furnish ANY INFORMATION on my consumer report but has that stopped Equifax? No it has not, even through disputing inaccuracies I have still not been been properly handled. The items I disputed do not belong to me. Youre verification was flawed. Show me indebtedness, accounting in detail, a document showing I received any loans or services. Did you interview anyone?! Equifaxs system is fraudulent. Wheres your permission purpose?! You do not have my consent to furnish and you did not investigate anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my continued endeavor to tell you that I am a victim of identity theft and I complain to question a specific account in my document coming about because of the wrongdoing. The account I am questioning connects with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My   XXXX   credit report shows a collections in the amount of {$150.00} from Synd Offic opened on XX/XX/XXXX . I have made several attempts to obtain information about this claim. I 've contacted both the company and the credit bureau requesting them to send me proof of this debt, and to remove this incorrect information from my credit reporting. I never got a response from neither. In  XX/XX/XXXX  I resent this request as certified mail and still no reply. In  XX/XX/XXXX  I sent a follow-up letter to check the status of my request but no one has contacted me regarding this issue.
Product: Debt collection

An account was fraudulently opened with XXXX  by an identity thief and the debt was turned over to Ad Astra debt collection services and the collection agency will not remove the account from my credit report despite me filing a police report, providing the name of the assailant and signing an affidavit that the debt is not mine.
Product: Mortgage

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that PENNYMAC LOAN SERVICES LLC has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit reporting or other personal consumer reports

I would like to request access to the original contract and any related forms of communication. This information is important for clarifying whether the contract has been sold or transferred to another party, as well as for confirming the specific items I purchased.Also original contract with signatures from me. With original dates. Thank you for your assistance in this matter.
Product: Payday loan, title loan, or personal loan

Company is charging 650.72 % interest. I've paid back over 2000 on a {$970.00} loan, still owe XXXX
Product: Credit card or prepaid card

On XX/XX/2020, I received a letter from Synchrony Bank stating my account ( TJX Rewards Credit Card ) was closed due to " Activity on account with Synchrony Bank indicative of high risk of failure to pay. '' I believe this action was taken illegally as a response to the COVID-19 Pandemic. 

Under the Equal Credit Opportunity Rights Act, I have a right to find out my account was closed unless the account was inactive of my failure to make payments as agreed.
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting Act Victoria 's Secret has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

ONEMAIN Review my credit report without my permission on XX/XX/2023 at the time I was XXXX for XXXX XXXX XXXX
Product: Mortgage

A lengthy detailed explanation has been written and is Exhibit 21. Please read this first. It will provide details and reference the other 20 Exhibits that will be attached providing I can attach all of them. Just so you know I have contacted Security National Mortgage Company ( SNMC ) and have gotten no response at all from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

privacy and confidentiality under 15 USC 1681 Account name- XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

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 or other personal consumer reports

XXXX XXXX XXXX  Account # : XXXX Account Description : Individual Account Rating : CollectionOrChargeOff Account Status : Open Account Type : Open Balance Owed : {$2200.00} Closed Date : -- Credit Limit : -- Creditor Remarks : ACCOUNT INFORMATION DISPUTED BY CONSUMER Creditor Type : CollectionServices Date Opened : XXXX Date Reported : XXXX Date of Last Activity : XXXX Dispute Status : XXXX High Balance : {$2200.00} Last Payment : -- Last Verified : XXXX Past Due Amount : -- Payment Amount : -- Payment Frequency : -- Payment Status : CollectionOrChargeOff Term Length : -- Loan Type : CollectionAttorney The account XXXX XXXX XXXX with the number XXXX is inaccurately reporting a rating of CollectionOrChargeOff on my credit report, and I demand that this account be deleted immediately! 
According to my records, you indicated that this account was opened on XXXX with a date of last activity of XXXX. This is incorrect, and I insist you remove this account from my credit report without delay! 

Furthermore, you have noted the last verified date as XXXX. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to know the exact methods and documents used to verify this accounts accuracy. Provide me with all the documentation you used to confirm that this account belongs on my report. 

Additionally, I request documented proof of your assertion that I owe {$2200.00}. I categorically dispute this amount. To support my claim, I reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX XXXX ( XXXX XXXX. XXXX ), where inaccuracies in reporting were found unlawful. Similarly, XXXXXXXX XXXX  TransUnion, XXXX, XXXX. XXXX ( XXXX XXXX XXXXXXXX XXXX, XXXX ) demonstrated the importance of accurate reporting for collection accounts. 

Finally, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ), the court upheld that unverifiable information must be deleted promptly. Based on these precedents, I expect you to take swift action to resolve this matter. 

If this fraudulent matter is not handled accordingly, I will have no other alternative than to seek legal counsel as this has been recurring each attempt to resolve.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed inquiries from the following companies that I do not recall authorizing : XXXX XXXX XXXX XXXX XXXX XXXXXXXX  Under the Fair Credit Reporting Act ( FCRA ), I am requesting that these inquiries be investigated and removed from my credit report if they were made without my authorization. If you have any evidence that I authorized these inquiries, please provide me with the documentation. Otherwise, I kindly ask that they be deleted promptly. 

Please update my credit report and send me a written confirmation once this matter has been resolved. If you require any further information to process my request, please contact me at the details provided above.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit I noticed an account from XXXX XXXX XXXX original creditor is XXXX in the amount of {$1200.00}. I paid this account off in full and closed the account there is no balance owed.I sent letters to XXXX XXXX XXXX asking for proof that this is my account bearing my signature. They sent me letters stating the amount owed but no proof that this was my bill. I then sent XXXX, TransUnion, and XXXX  letters explaining that this must be a fraudulent account as my XXXX account was closed out and paid off. The credit bureaus sent me copies of my report and said the account was valid, again they did not verify my signature or show me proof of any purchases. This account was closed in good standing and had no balance owed when I closed it out.