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

XXXX XXXX XXXX in XXXX XXXX, charged our Optum XXXX card ( XX/XX/XXXX ) after my wife told them she wanted to wait until she was at the hospital. But instead they charged it then for XXXX  XXXX, optum denied the request XXXX  saying they needed more information to prove it was a medical charge. After submitting the XXXX at XXXX request, it showed that the insurance company determined that we were not financially responsible for this charge due to incorrect billing. Optum was supposed to request a cancellation for this charge but apparently never did. We went back and forth trying to get XXXX XXXX to resubmit the billing correctly so that we would have a proper receipt. After XXXX, they finally sent another incorrect code which was again denied. Neither XXXX XXXX or our insurance company ( XXXX XXXX ) care to change the status of the billing at this point but also refuse to refund the money. According to XXXX XXXX, we are not responsible. According to XXXX XXXX, they billed correctly. XXXX  times me and my wife were called to say the issue was resolved when it was not. We requested a refund through XXXX XXXX that was denied. Because they are illegally withholding our money, we decided to file a transaction dispute through Optum XXXX. They gave us all of the information which we correctly submitted and we were supposed to see the money back in our account within XXXX days while they disputed the charge on our behalf. The money never went back to our account. Optum employees have given us mixed information- some have told us they have no record, then other employees have found the record. They refused to let us speak with a supervisor. We requested phone call recordings which we were also told wasnt possible. At this point, our XXXX  is set to end on XX/XX/XXXX and we wont get the refund in time to use it. This has been an ongoing process that we feel was dragged out by optum to avoid allowing us to use the rest of our money before the account closed. If we do get refunded now, the money will automatically be forfeited to optum bank which we think is unfair and dishonest. We have taken all the necessary steps that they requested and they refuse to put this dispute through.
Product: Credit card

On the morning of XXXX XXXX, I received an email from Chase Bank saying " Thanks for requesting a new credit card! ". I have an XXXX XXXX  credit card through chase, but did not request a new credit card. I called chase right away, who cancelled the application. I also called the credit bureaus to have my credit report frozen ( which they still are ). I never received any information from Chase on how to handle this situation, but I knew I needed to report it to the government somewhere.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete a remove all inaccurate information that is hindering my file. this has caused major denials on my file. none of the accounts listed are following FCRA rules. I am a victim of identity theft an have no knowledge of the accounts reporting. please review an remove the listed items asap.
Product: Debt collection

I have told Midland Credit Management to cease all contact with me and that I was consulting with a lawyer regarding the debt account they state I owe that they have purchased from XXXX XXXX XXXX ( XXXX XXXX ). This account was opened in XXXX ( XX/XX/year> ) of 2021. It has almost reached its statute of limitations for New Hampshire for debt collection ( credit cards ). I let them know this, and I let them know to stop all contact with me via phone due to the representatives extremely rude and threatening demeanor. I was told today via the phone " You can not run from this debt forever, XXXX. '' and " We will keep calling you, we are allowed to continue calling you. '' Which is against the law in all shapes and forms, from what I have researched, if you request them to not call you, you are within your rights. I have also disputed this a couple of times, and they refuse to send me any information regarding my disputes, they just close them and tell me I am not allowed to submit anymore. I am sick of the way they are treating me, the woman who continues to call me has a rude and almost sarcastic tone about her every single time and like I said, she has said to me today and several times " you need to stop trying to run from this debt, you are responsible for this debt. '' which is very aggressive to me. I also was met with her saying " you answering my follow up phone call will determine the outcome of this debt collection account. '' which to me sounded threatening in a way, essentially saying if I don't answer their phone calls, they'll take me to court or something, which legally, they can not in New Hampshire now, because it's past the statue of limitations. I am just done being bullied by them, so I am reporting them, thank you.
Product: Debt collection

I was looking at my credit report and I found that there was an account opened on XXXX XXXX in the amount of {$650.00}. That is not possible, I had a XXXX XXXX on XXXX XXXX. I wasn't physically or mentally able to be that. I have medical records as proof.
Product: Debt collection

My card was stolen I told capital one and the deleted it and then it was put back on by XXXX and now my credit is shot when I have been in contact with both companies
Product: Debt collection

Lack of Response from Portfolio Recovery Associates LLC On XX/XX/XXXX I sent certified correspondence asking the above company to Authenticate the several debts they say I owe them. In the letters I requested Portfolio Recovery Associates LLC to fill out Affidavit of Authenticity on each account they sent me which the amounts are {$630.00}, {$720.00} and {$720.00}. Instead of Portfolio Recovery Associates LLC doing so. The company sent me a letter saying they validated those debts without Authenticating. 
With identity theft at a all time high. Asking Portfolio Recovery Associates LLC to sign a Affidavit of Authenticity and have it Notarized should not be a problem if it were my debts. It is XX/XX/2022 and this company still have these debts on my credit files.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, 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 XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX, 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
Product: Student loan

I've attended University XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX and was promised job placement before enrolling. I was advised once my XXXX XXXX XXXX was completed, I would be guaranteed to get an entry job in my field so I can gain experience. Because of what was being proposed to me, I believed the advisor and completed my associates and my bachelor 's with them. Since I've graduated, no job placement was provided to me. Due to no job placement and no experience, I am unable to get a job in the related field. Now, I am stuck with debt in the amount of {$59000.00} and no job in the field I've graduated.
Product: Mortgage

Greetings, Our loan is serviced thru OCWEN. We requested an escrow analysis several months ago, in the XXXX 2015 timeframe. We have called several times since then and they indicated that since we are in a chapter XXXX plan, it may take longer to process. We noticed about XXXX weeks ago online that our house payment had increased by about {$340.00} per month. The escrow amount was about XXXX but the principle and interest had remained the same. When we called recently, they indicated that they are investigating and they recommended that we make the old payment for XXXX 2015, which we did today, XXXX/XXXX/15. We have been current on our mortgage since XXXX and now risk being delinquent, unless we make the increased payment for which we have no documentation as to why it increased. Our fear is that what little good credit we have established by paying them on time will now be impacted. This company seems to routinely " operate in the dark '' from our experience and we are glad that you are here to help us. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this account and i have not transacted any business with this creditor. i have disputed this information in the past but XXXX  in collaboration with Bull City Financial Solutions are disregarding any rights i may have and continue to report this fraudulent debt. This debt is associated inaccurate personal information that has been previously removed from my consumer credit profile.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Charge-Off on Credit Report Due to Issuance of 1099-C Dear XXXX XXXX, I am writing to dispute the accuracy of a charge-off that appears on my credit report. This dispute is made under the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681e, which mandates that credit reporting agencies maintain accurate and complete records. 

The specific item I am disputing is XXXX XXXX XXXX XXXX  Account # XXXX ] Date Reported : XX/XX/year> Amount : {$2000.00} According to the IRS regulations, a 1099-C form is issued when a creditor cancels a debt of {$600.00} or more, which must then be reported as income. This cancellation of debt means that the creditor has discharged the debt and considers it settled. Since the debt has been canceled, it should no longer be reported as an outstanding charge-off on my credit report.

In accordance with 15 USC 1681i, I request that you re-investigate this matter and correct or remove the inaccurate information. Additionally, under 15 USC 1681e ( b ), you are required to follow reasonable procedures to ensure the maximum possible accuracy of the information reported.

Please conduct a thorough investigation and provide me with a written statement detailing the results of your investigation, as well as an updated copy of my credit report reflecting the corrected information.
Product: Credit reporting or other personal consumer reports

- XX/XX/XXXX : my leased vehicle was totaled in an accident where I was not at fault - XX/XX/XXXX : I made an on-time lease payment as I waited for XXXX to process the claim - XX/XX/XXXX : XXXX paid XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX leasing company - XX/XX/XXXX : I called XXXX to verify my account was fully paid off. The call was recorded and they confirmed it was paid off / no amount owed by me - XX/XX/XXXX : I received a letter from XXXX saying my account was in collections but there was {$0.00} owed by me ( letter attached )- XXXX XXXX, XXXX : I receive a credit alert that XXXX had closed this account and that I owed more than {$15000.00} - XXXX XXXX, XXXX : XXXX XXXX Services ( the counterparty to my car lease ) as well as XXXX both confirmed that the account was {$0.00} and settled and they have corrected my credit report. I verify this with the credit agencies and think the issue is settled - XX/XX/XXXX : this zombie account ONCE AGAIN appears on my credit report, damaging it by a negative XXXX points. I call XXXX and they confirm that this account is closed and settled and they don't know why it's negatively impacting my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : Account No. is XXXX ( {$5000.00} ), XXXX XXXX : Account No. is XXXX ( {$73000.00} ), XXXX XXXX XXXX : Account No. is XXXX ( {$26000.00} ), XXXX : Account No. is XXXX ( {$890.00} ), XXXX XXXX : Account No. is XXXX ( {$850.00} ), XXXX : Account No. is XXXX, XXXX XXXX XXXX Account No. XXXX ( {$22000.00} ), 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 or other personal consumer reports

i disagree with the account listed below which still appears on my credit report, i would like this item immediatly re-investigated, the inaccuracies are highly injurious to my credit score ( XXXX XXXX, XXXX. ) in accordance with the fair credit reporting act, public law XXXXXXXX XXXX XXXX XXXX XXXX please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. please send me an updated copy of my credit report after your reinvestigation. send it at my email at XXXX and my social is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and Confidentiality under 15 USC 1681 XXXX XXXX XXXX and XXXX BK- XXXX 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 an 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. Accounts need to be removed from report.
Product: Credit card

Us bank is denying me my welcome bonus offer on a credit card. 
Us bank customer service is horrible they are not giving me information i need about my account and they are not posting my payments to my account, yet they are taking my money. 

I opened a credit card account with usbank back in XXXX. 
After spending a few thousand dollars on the account they shut me down as a credit risk. All I did was utilize my credit line. Nothing changed on me credit report before I applied and after. They just dont want to give me the bonus. 

A separate issue is what happened today. My husband had called in on my account to find out basic information about my account. They gave him a whole run around, and the end result they put a fraud block and no one is able to access the account. I called in and they keep on transferring the call the XXXX, the credit analyst who originally shut down the account and put it in restrain. The XXXX customer service reps ca n't get it straight that I am not calling about the restrained rather this fraud block. 

I am trying to figure out what happened to all the payments on made on the account. I made payments and they seem not be reflecting on the account. I need to know what 's going immediately. It appears the payments I have been making have not been credited to my account and as a result I have made more payments and by now I should have a large credit balance. However there is no one I can speak to. 



Sincerely Yours, XXXX XXXX CC # XXXX Phone 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.

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries 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 card

I did not authorize this remove immediately National Credit Adju. XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, NCA. XX/XX/XXXX, XXXX. XX/XX/XXXX
Product: Debt collection

on XX/XX/XXXX I received a phone call asking for someone. I said No, I was not that person and was in the middle of asking " Who am I speaking to? '' hung up on. I immediately called back and found out it was for my wife from XXXX but it was something that was already resolved. So I disputed it with the rep there. Fast forward to today, XX/XX/XXXX, and the same thing happened. I got a call, they hung up. I called back but this time, the rep that answered the phone was trying to belittle me and was being very rude to me like I was the one doing something wrong. First, I already disputed it with them and they are already calling me back not even 2 weeks later. Second, how the rep treated me was not right either. She was told me that I was arguing with her instead of giving her the info that she was asking for. I asked for a supervisor and was transferred. I have attached screen shots of my call log proving this.
Product: Credit reporting or other personal consumer reports

This morning, I was shocked to find inaccurate accounts listed on my credit report, and I have no idea how they got there. I routinely check my report, and today, out of nowhere, there were discrepancies. I even tried refreshing my browser, hoping it was a glitch, but the inaccurate accounts remained. I'm deeply concerned and request a thorough review of the documents I've provided so that I can have peace of mind going forward.
Product: Credit card

On XX/XX/XXXX, I was wrongly charged {$75.00} for a minimum payment via autopay on my CitiCard credit card. I had already paid off my card for the month, and my online account reflected that my minimum payment was {$0.00} for that month. In reviewing previous months, I found that this was not a one-time error, but an ongoing issue where I was unfairly charged for a minimum payment/interest that I did not incur. I called the CitiCard help phone number, where the customer service agent confirmed that I should not have been charged. They advised me that they believe this was due to a glitch connected with autopay, which has been in place since XXXX, and to send a letter to the Billing Dispute department. I promptly sent the letter and have not heard back. The letter requested that they review all charges to my account via autopay dating back to XXXX. I also requested restitution for any unfairly charged fees to my account, as a result of this abusive glitch in their autopay process. I also asked that they perform an in-depth root cause review into this process, in order to provide restitution to any other costumers that may have incurred consumer harm from this same issue.
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB customer care With XXXX XXXX credit card account number XXXX, I requested that my funds were going towards my mother medical bills during 2022 and my grandmother died and I have to cover funeral cost hence I would be behind some payments but I was paying them even then closed my credit card account with out any considerations, I have been their loyal customer for very long even then they closed and my account. I requested XXXX XXXX during 2022 via many good will letters to remove late payments as well reopen my credit card even then they have closed my account even after telling my situation and their reason was funds were not their and returned payment happened hence they closed account but when I called them and told them that I have told the situation earlier they did not care about it and even my funds were available at that time still closed my account, I have tried hard to reinstate my credit cards with them as well remove late payments on credit reports, kindly help me in removing the remarks Account closed by XXXX '' and also kindly remove worst payment status remark as well on XXXX, XXXX AND TRANSUNION XXXX reports as well late payments reported in XXXX, XXXX AND TRANSUNION XXXX reports associated with XXXX XXXX card account .please consider my request as I feel my future goals are being stopped which is very dissatisfying and I am feeling stress with lack of motivation.
Product: Debt collection

I have a collection on my credit report from a company AWA Collections XXXX XXXX XXXX stating I owe {$520.00} and the account was opened XXXX XXXX, 2012. I have never had a credit relationship with XXXX XXXX. I have never signed or opened a credit card with XXXX XXXX. I have asked the company to send something showing me that I have a signed note with the company however they have not done anything other than leaving the information of a debt with the credit reporting companies. I have disputed this claim multiple times to no resolve. I have called the company as well and they tell me that I need to contact XXXX XXXX which I have tried no answers. AWA Collections XXXX. XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX. This is not accurate information to the best of my knowledge and is hurting my credit profile.