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

My employer offers a health savings account through Optum Financial that I elected for in the 2024 benefit year. I received my XXXX payment card from Optum Financial in XXXX of 2024. Upon multiple attempts to register an account through the Optum Financial website, the website states my User Account can not be found. I had waited a few months afterwards to allow the system to potentially register my information, but consecutive attempts to register an account have proved unsuccessful. I reached out to Optum Financial during the summer of 2024 ( unsure of a specific date ) requesting assistance in registering my account. The advisor escalated the case to their supervisor and I was told via the advisor that, " We should be reaching out to you shortly to fix the issue. '' I have yet to receive a solution to register an account.
Product: Credit reporting or other personal consumer reports

Im filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit despite my efforts to resolve this directly, with the reporting agency, it remains unresolved. Acct # 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 all report charge off on my credit report and I never received a 1099c from either 4 accounts I disputed with experian however they did not complete a through investigation my dispute came back as validated however they are still violating code 15 USC 1681 ( i ) which requires reporting agencies to conduct reasonable reinvestigation of disputed items, 15 USC 1681i ( a ) ( 5 ) any information found inaccurate, incomplete, unverifiable must be deleted or corrected. Experian has not attempted to remove, nor correct any information. I'm requesting these Accounts be removed or corrected immediately as it's affecting my chances of getting a { house }. Experian violates my rights as a consumer, as well as federal laws
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect inquiries are being reported on my credit report. for the last 9 months I've disputed this false information XXXX times. Spending hundreds of dollars and hours. 

The companies listed below are incorrectly shown on my credit report Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion should not be reporting that I am ( 120-149 ) days late on the US DEPT OF ED account. ( Please see page  attached. ) This account was closed on XX/XX/2016 and the attached screenshot shows, and quoted : You have 0 % left to pay on this student loan. This false reporting of lates on an account with a XXXX dollar balance is seriously harming my credit score. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove these lates however, I have not been successful.
Product: Mortgage

On XX/XX/2023 I received a payoff quote of XXXX and gave approval for lender to withdraw funds from my account to pay off mortgage. On the following day XX/XX/2023 the funds were withdrawn from my account. I originally called and was told they couldnt find the documentation. When I foolowed up from my original request they found the payoff quote but unsure why payment withdrawn from account was not applied as payoff. Again i contacted Mr Cooper mort servicer they stated they didnt have documentation needed to correct payoff. On XX/XX/2023 documentation and proof of payment was sent and received by Mr Cooper mort. I have been told since XX/XX/XXXX then it would be corrected in a week of two. It is now XX/XX/2023 and Mr Cooper has not completed the payoff or released my title. They have continued to send statements, late payment notices and have made negative reports against my credit. I do not seem to be any closer to a resolution. I have sent them the payoff quote and bank statement showing funds withdrawn. If needed can be resent.
Product: Vehicle loan or lease

I went into XXXX XXXX XXXX XXXX Dealership in XXXX XXXX to purchase a new XXXX Truck. I knew the vehicle I had in mind, and the website allows for online finance and purchase ; however, I had a vehicle trade in that I needed to get appraised. Because of this, I would not have been able to purchase the vehicle online while trading in the vehicle for the amount I was quoted verbally. 

While being serviced by the sales man, they advised I had 2 choices according to management. 1 ) Purchase the vehicle for only {$5000.00} off MSRP, and I could finance wherever I wanted to get a low interest rate. 2 ) Get XXXX off MSRP and apply through XXXX XXXX XXXX. When they presented the offer of utilizing XXXX XXXX XXXX, they advised I can always refinance with another company if the interest rate is not what I wanted, which lead me to believe I was not going to be satisfied with the interest rate they would offer. 

I work in a financial institution ; therefore, I know that I am entitled to request interest rates without applying first. I asked the sales man XXXX who then advised he would have to ask the finance specialist. He came back and was told that the finance specialist declined the request to be provided the interest rates available, and I would need to apply first, and then speak to the finance specialist. 

Being backed into a corner, I decided to let my credit speak for itself. My credit is over XXXX, and my wife 's was over XXXX, and I more than qualified for the lowest credit rating available. When they came back, they advised my interest rate would be 6.09 %, which is absolutely unacceptable. I again was told I should refinance after closing on the loan. 

I proceeded to the finance department where I was in a recorded and monitored office. The conversation in the finance office should be recorded for the record. I again advised the finance specialist, XXXX, that I was interested in being provided the interest rate 's available, but that I was denied the opportunity before applying. He agreed and understood that the interests being offered is a requirement, but still did not provide the interest rates I requested, and continued with his process of offering optional products to add to this outrageous interest rate ; again encouraging to refinance in order to get the extraordinary offer off MSRP. 

I didn't read too much into it, and figured this is how they do business, until a colleague went into a different ford dealership, and requested a new vehicle. Her credit is below XXXX, and she qualified for XXXX financing at XXXX interest rate, and was advised that the lowest interest rate available is 1.9 % for well-qualified buyers. This leads me to believe that I was given a predatory loan at a high interest rate, forcing me to take another credit hit refinancing with another institution just to receive the interest rate I deserve.
Product: Debt collection

This is my place of work, and this is a State of Texas work place and they should stop calling that number immediately.
Product: Debt collection

I keep getting calls, including XXXX this Saturday morning, XXXX/XXXX/2015, at XXXX., from ( XXXX ) XXXX, a company called Naviant (? ). I have the same first name, but a different last name, different address, and different date of birth. I have never borrowed from the company and, even so, I am not behind on any payments to anyone. I have told them all of this, and they still keep calling. In any event, I thought they could not call before XXXX I want them to stop calling me -- I am not the right person!.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to EXPERIAN for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an FTC report which I included here with report number XXXX for your reference and as proof of these inaccurate reporting.
Product: Credit card or prepaid card

On XX/XX/2022 at XXXX, I used the CitiBank communication portal online to attempt to close my credit card account. The representative, XXXX said she would close my account. 

The account was not closed and thus unauthorized charges have been made between the dates of XX/XX/2022 and XX/XX/2022.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 


2. there is some inaccurate information reporting XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 


3. 15 U.S. CODE 1681I - PROCEDURE IN CASE OF DISPUTED ACCURACY XXXX XXXX Account Number : XXXX Delete this account. 


4. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX XXXX Account Number : XXXX Delete this account. 


5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


6. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 


7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


10. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report. 


11. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/year> Please remove it from my credit report.
Product: Checking or savings account

2000 $ was taken by IRS XXXX .they said it was for a return of covid relief money that was sent to me XXXX and on XXXX, my bank did not inform me of this transaction, the bank said they got an e-mail, but would not show me. they were very rude and accused me of stealing the covid check,. 
i tried to explain the situation but to no avail.i was will this bank for over 26 years., IRS will not let me to explain the issue either. 
now i have no money and am overdrawn and my credit card and other bills are not being paid. 
i am XXXX XXXX XXXX and only have my social security.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
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: Mortgage

Every year in XXXX or XXXX, my mortgage company, Mr. Cooper " reevaluates '' the amount of money that should be in the escrow account in order to cover the taxes and insurance. This has happened each year we have been affiliated with Mr. Cooper ( around 4 years ).  Unfortunately, each year they add in 2 months of " cushion '', which, in turn raises the mortgage payment by almost 10 % over the last year. Each time I have been able to call and state, that I do not want a cushion in my Escrow account and they have adjusted it accordingly, after much argument on their end, they eventually do it. 

When this came around this year, I waited until I had time to call ( because it is always a 30+ minute endeavor ), which was today, XX/XX/2020. When I spoke to the first person, she was a Loan Agent and  wanted to sell me on a refinance, which I don't need right now. Once I explained why I was calling and needed the Escrow account reduced from their " evaluation '', she said she would have to transfer me. Once was speaking to an Escrow agent, she informed me that she had no power to change the 2 month cushion in the escrow account. XXXX ( her name ), said that Mr. Cooper had just change their policy and that all customers now needed to keep that 2 month cushion in their accounts. I asked to speak to a supervisor immediately, since that is not acceptable for Mr. Cooper to keep my extra, not needed, money for a year and then " give '' it back to me next year. 

When I spoke to the Escrow supervisor, she checked if she could do anything and she said she was bound by the same policy ( of not changing anyone 's Escrow account cushion of 2 months ). 

We NEVER chose this mortgage company. Our VA loan was sold once we refinanced a few years ago. I have never liked that I have to call them to fight for my own money. I feel like those people who don't understand Escrow, may just continue to pay what their asked & not question, or even know to question that they are keeping extra money. 

Can you please help me in unmasking this unfair practice? 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be removed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX
Product: Debt collection

I have asked the GLA Collections for help resolving the debt, but I will need a physical copy of a bill or itemized statement. They have been sending me on a wild goose chase since XXXX. I need this removed from my credit report. If documentation can not be provided, that would be fair.
Product: Student loan

On XX/XX/XXXX, I initiated a student loan refund request with Nelnet for the payments made during the eligible period covered by the COVID-19 payment pause, for the sum total of {$6100.00}. Nelnet later informed me that my refund request had been approved, and the loan balance was reinstated on my account. However, I never received the check. I understood that things were delayed, so I waited. No check arrived. On XX/XX/XXXX, I called to ensure that the check was on its way. I was told that the check had been mailed back in XXXX. I told the Nelnet representative that the check never arrived at my house, and asked them to do a stop check and reissue. I confirmed that the address they had for me was correct -- it was. The representative informed me that the check would be reissued. However no check arrived. Meanwhile the loan balance of {$6100.00} was sitting on my account. On XX/XX/XXXX, I called again, and was told that the request for a check reissue had never even made it to the " research department '' for investigation. I was told that the research department would be calling me within a few days to follow up with a few questions. No one ever called me. A week later, on XX/XX/XXXX, I called again, and was told once again that the request was likely waiting with the " research department ''. I asked if I could speak to the research department directly, and was told no. I asked if the representative could speak to them directly, and was told that the representatives in different departments are not allowed to directly contact each other at all. The research department has apparently been unresponsive to the customer service representatives, but no one is allowed to call them. I said that the next step for me would be to file an official complaint, because at that point they are saying that I owe them {$6800.00} which they never refunded to me, a loan balance which has been sitting on my account since XX/XX/XXXX and for which they refuse to do a simple stop check and reissue to remedy the lost check. Not only that, but they refuse to even submit the request to the proper department. They continue to say that they " are working on it '' but the request is going nowhere and not even being addressed by the people whose job it is to address it. Meanwhile this {$6100.00} debt balance is on my credit report yet I have not seen the refunded money.
Product: Debt collection

Debt company does not have an official website and it goes straight to voicemail. It appears that the company is called XXXX XXXX XXXX now. I havent received any letters from them regarding a debt. I havent received calls from a company, however, they would not give their name and immediately asked for my full social security number and credit card information. When i called their number went straight to voicemail. 

Discussed this alleged debt with my employer and advised them to assign wages to them and take out XXXX XXXX of money out of my wages every XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/scrub>/2017. Since then the account has been repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT be included in an active payment history. This inaccurate information falsely manipulated the statue of limitations. you failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX - Account Number - XXXX
Product: Credit reporting 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. 


AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Original Complaint ID # : XXXX Issue not addressed by TransUnion. Please see fair resolution to this issue in detail below before responding ... 

On XX/XX/XXXX, I received a renewal letter for my renter 's policy from my insurance company, XXXX XXXX XXXX - Underwritten by : XXXX XXXX XXXX XXXX XXXX XXXX. I have had this same policy across multiple addresses over the past five years with the rate remaining the same. In fact, the newest address that was covered under this policy, saw a reduction in the policy premium for XXXX. However, within this renewal, my yearly policy premium went from {$250.00} to {$320.00} - a 26.5 % increase. I called XXXX on XX/XX/XXXX to inquire about the drastic change in premium. I spoke with XXXX, who at first claimed it was because of the address change. However, when I informed her that there was actually a credit to my account with the new address, she told me it was due to the " consumer report information. '' XXXX directed me to call Trans Union XXXX, Consumer Relations - East at XXXX to receive a copy of the same report they based their increase in premiums on. Later the same day on XX/XX/XXXX, I called Trans Union and spoke with XXXX. I asked XXXX for the report that XXXX pulled. He assured me that I would receive the same copy that XXXX pulled on XX/XX/XXXX. However, when I received the report on XX/XX/XXXX, it was dated XX/XX/XXXX - the date when I called and spoke with XXXX. I then called Trans Union back on XX/XX/XXXX and asked to speak with a supervisor. I was transferred to supervisor, XXXX, who informed me that they could not provide me with the same report that XXXX used in their decision to raise my rates.
Product: Checking or savings account

I had open a previous complaint about chase and chase add documentation and one of the documnetation showed that my account was closed at the end of XXXX to the first week of XX/XX/XXXX And the documentation also stated that they closed my account do to information they received from XXXX If that was the case why chase has been reporting information to XXXX XXXX XXXX  Which is showing a amount of XXXX that went thre the account XXXX I never had a account with chase in XXXX so were is this report coming from with this amount of money. I have attached a copy of my XXXX XXXX  report from XXXX
Product: Checking or savings account

Recently received my XXXX XXXX XXXX consumer report and notice an account not associated with me.