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

I hope all is well. I paid {$65.00} to my safe deposit box on XXXX at the Wells Fargo branch off of XXXX XXXX. 
XXXX, NC where my safety deposit box is located. It is still showing online and on my app that it is not paid. It needs to be fixed to show that my safe deposit box has been paid. Thank you for your time and assistance in this matter.
Product: Student loan

Every week for the past several months I am unable to access my account due to poor management of their portal. Routine XXXX errors means their operation is failing. This has resulted in me being behind on payments when I can not access my account for several days. I have also not been able to see how much my minimum due payments are until they have been delayed by this issue. 
I have called into the customer service line to pay over the phone where I was informed that both the debit card and bank account charging systems were also down that day. 

Nelnet is failing to provide the basic service needed for people to pay their loans.
Product: Vehicle loan or lease

I submitted a payment to Kia Finance America for my XXXX Kia XXXX in the amount of {$490.00} on XX/XX/XXXX. I sold my car to a private dealer named XXXX and XXXX sent a payoff check to Kia Finance in the amount of {$16000.00} which was received on XX/XX/XXXX. This resulted in an overage payment of about {$500.00}. I called Kia Finance on XX/XX/XXXX and was placed on a long hold. I was also transferred to a supervisor but the call got disconnected. I requested from both the representative and the supervisor that the overage check to be sent to my mailing address, not the dealer. I explained to them if the overage check is sent to XXXX, then it would cause a lot of confusion and it would be very difficult process for me to obtain that overage payment back. I also involved XXXX XXXX XXXXXXXX XXXX XXXX department to see if there is any other solution. The XXXX XXXX XXXXXXXX representative also had a hard time reaching someone at Kia Finance and he stated that they keep disconnecting the phone call. Please see attached message from XXXX XXXX XXXXXXXX stating they were unsuccessful in reaching Kia Finance due to the calls getting disconnected.
Product: Mortgage

We have always received our monthly bill late. Most times mailed in without the monthly payment statement as not to be late. I was under a bankruptcy before loan was sold to SPS and according to statements received from bankruptcy lawyer and from the prior holder of mortgage loan, payments were paid in full and there was a XXXX balance for payments owed during bankruptcy. When mortgage was sold to SPS, they also should a XXXX balance. Several months later, a XXXX amount appeared stating we owed this amount. When I called SPS the first time, the gentleman was rude, and did not want to listen to my concern or reason why I called, he just wanted to know how much I could pay and when. I ended the phone call and immediately called back. I spoke to someone that listened to why I was calling and when she pulled up my account, she stated to me that she didn't understand why I was getting charged this amount since it shows paid already. She asked that I fax her the documents I had showing where this amount was paid. I faxed this information to her and included information she asked that I put on the fax cover sheet. I waited a week, called back, spoke to a different person who stated she could see where the information was documented in my file, give it a few more days and they would get in contact. Never got any calls. I received a statement stating I could be forclosed on and that amount owed has gone up to {$7200.00} since as of XX/XX/XXXX, I am 168 days deliquent on my mortgage loan. These are the months listed as not paid, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have dates and check numbers and bank statements showing these Payments were made. I however, did send them 2 checks, one on XX/XX/XXXX XXXX # XXXX for # XXXX and another on XX/XX/XXXX XXXX # XXXX for {$2100.00} which is 2 monthly payments of {$1000.00} since I did not want to get foreclosed on while I am trying to get to the bottom of this. I have my documents if you need them. I just don't understand how this amount was XXXX, then {$4200.00} and now {$7200.00} due to missed payments that I have not missed.
Product: Student loan

On XX/XX/XXXX I sent in a completed School Misconduct Application along with several supporting documents. Navient has yet to give me a final decision on the matter and it's been well over 30 days since. The administrative forbearance that was placed on my account is close to expiring and I'm still being told they are " reviewing my case ''. Meanwhile my credit score is tanking while Navient is taking their time.
Product: Credit reporting, credit repair services, or other personal consumer reports

RGS financial has not provided me with any receipt of settlement payment 2 weeks after I paid {$2000.00} to settle an account. I have called mutliple times to request a copy with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been trying to submit complaints to the credit bureaus about some inaccuracies that i 've seen on my credit report. This has been going on for about 6 months to no avail. The credit bureaus have been failing to investigate my disputes. Claiming they ca n't locate my credit file. I 've sent it proof of my idenity ( i.d . and social ) Also proof of my residence. I still have n't heard anything back from the credit bureaus. I 'm not sure what 's going on but i think it 's pretty unfair.

Credit Bureau Services # XXXX For one this company is not licensed to operate a collection agency in the state of Louisiana. Second, i am NOT sure how this company has access to my medical information. Under the Hippa law my personal information should not be shared. I Know i did n't give this company access to my medical information. THIS IS ILLEGAL!!!!

-XXXX XXXX XXXX # XXXX -XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX Under the Hippa law my personal information should not be shared. I Know i did n't give this company access to my medical information. THIS IS ILLEGAL!!!!

-XXXX Credit Card Clearly this company has made a mistake. I have never asked for permission to be an authorized user on this card.

-XXXX XXXX # XXXX I have never done business with this company. Clearly they have made a mistake.

XXXX XXXX # XXXX I have never been contacted by this company nor have i done business with them. Clearly this company has made a mistake. Please remove.

-XXXX  # XXXX I have no idea what this debt is. Please verify this account or remove.

I know that mistakes happen but it should not happen at my credit 's expense
Product: Credit reporting or other personal consumer reports

In regards to item, Account number XXXX According to the Fair Credit Reporting Act 15 USC 1681 Section 602 states There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's rights to privacy. XXXX, XXXX, and Trans Union are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared, which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its consumers and to protect the security and confidentiality of those customers nonpublic personal information. ( Furnisher of information to credit agencies ) a financial institution by definition under that title. 
15 USC 1681, section 604 a section 2 states that In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless- the consumer is given an explanation on how the consumer can exercise that nondisclosure option. ( Furnisher of information to credit agencies ) never informed me of my right to exercise my nondisclosure option. Not only that, 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. This account is an adverse item they are reporting again without my permission, Which is against the law. 15 U.S. Code & 1681s-2 ( A ) ( 1 ) A states 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. 15 U.S. Code & 1681 e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintain reasonable procedures. Also 12 CFR & 1016.7 states that A consumer may exercise the right to opt out at any time. 
I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Inquiries as follows : - - - - - - - - - - - - - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX - - - XXXXXXXX XXXX XXXXXXXX - - - XXXX XXXX XXXX XXXX XXXX XXXX - - - - - - - - - - Collection Account as follows : - - - - - - - - - - XXXX XXXX XXXX XXXX - - - - - XXXX - - - Reporting inaccurate information as of XXXX. 
I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX. I do not have a contract with XXXX and XXXX XXXX. They did not provide me with the original contract as I requested. According to the FCRA it is illegal to report a debt & late payment on a debt that has no contractual agreement.
Product: Credit reporting or other personal consumer reports

Certainly! Here 's a revised dispute letter using both 15 USC 1666b and 15 USC 1681b for each account : -- - XXXX XXXX XXXX XXXX XXXX. 
XXXX, NJ XXXX XXXX XXXX [ XXXX ] [ TransUnion LLC XXXX XXXX XXXX XXXX PA, XXXX Subject : Dispute of Inaccurate Credit Report To Whom It May Concern, I am writing to dispute several inaccuracies on my credit report, which I believe are a result of the XXXX XXXX breach that compromised my personal information. I am invoking my rights under 15 USC 1666b ( Timing of Payments ) and 15 USC 1681b ( Permissible Purposes of Consumer Reports ) to address these issues. 

1. XXXX XXXX Auto Loan** - **Account Date Opened : ** XX/XX/XXXX - **Issue : ** Late payments reported for XXXX and XXXX. 
- **Correction Requested : ** Reverse these to " Paid as Agreed '' under 15 USC 1666b, as payments were affected by the breach. Also, verify permissible purposes under 15 USC 1681b. 

2. XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : ** XX/XX/XXXX - **Issue : ** Late payments reported for XXXX, XXXX, XXXX, and XXXX. 
- **Correction Requested : ** Reverse these to " Paid as Agreed '' under 15 USC 1666b, and verify permissible purposes under 15 USC 1681b. 

3. XXXX XXXX XXXX XXXX - XXXXBalance : ** {$6200.00} - **Issue : ** XXXX payments reported for XXXX through XXXX. 
- **Correction Requested : ** Reverse these to " Paid as Agreed '' under 15 USC 1666b, and verify permissible purposes under 15 USC 1681b. 

4. XXXX XXXX XXXX Credit Card** - **Account Date Opened : ** XX/XX/XXXX - **Issue : ** Late payments inaccurately reported for XXXX and XXXX. 
- **Correction Requested : ** Reverse to " Paid as Agreed '' under 15 USC 1666b, and verify permissible purposes under 15 USC 1681b. 

5. XXXX XXXX  Secured Credit Card** - **Account Date Opened : ** XX/XX/XXXX - **Issue : ** Late payments reported for XXXX and XX/XX/XXXX. 
- **Correction Requested : ** Reverse to " Paid as Agreed '' under 15 USC 1666b, and verify permissible purposes under 15 USC 1681b. 

6. **XXXX  XXXX XXXX XXXX XXXX XXXX **Account Date Opened : ** XX/XX/XXXX - **Issue : ** Late payment reported for XXXX. 
- **Correction Requested : ** Reverse to " Paid as Agreed '' under 15 USC 1666b, and verify permissible purposes under 15 USC 1681b.

Please update my credit report to reflect these corrections. I have enclosed copies of my credit report with the erroneous information highlighted and the settlement documents for your reference. 

Thank you for your prompt attention to this matter. Please confirm in writing that these corrections and verifications have been made. 

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

In Accordance with the fair credit reporting act XXXX account # XXXX, 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 a account without my written instructions. 

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

On XXXX I mailed a certified letter to Transunion disputing inquiries that I did not authorize. I also mailed certified letters to Transunion on XXXX disputing accounts that had inaccuracies. I included my drivers license and social security card. t has been well over 30 days and I have not as of XXXX received any correspondence for any of the letters and disputes.
Product: Credit reporting or other personal consumer reports

XXXX is reporting a bankruptcy. I would like the documents to at authorized them to do so. According to federal law any consumer reporting agency furnishing data must have the written consent of whom it relates. XXXX does not have my permission to report this alleged bankruptcy and I have a right to privacy.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Date Opened XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any ITEMS listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX, XXXXXXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX XXXX XXXX I Inquiry Date XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion continues to report incorrect and illegal information on my consumer report. I have been trying to get this information corrected and they refuse to make the corrections. I have again sent a certified letter to Transunion with Exhibits highlighting the personal information and the accounts that are all reflecting incorrect reporting. They have been tarnishing my reputation and hindering me and my credit worthiness. This false reporting has been causing me undue hardship as I have not been able to successfully obtain a vehicle and affordable domicile. It is their grave responsibility by law to report correct information on a consumer 's report and also do their due diligence in verifying the information that is being reported to them from creditors before even reporting anything on a consumer 's report. Had this been done, most of these accounts would not have been reported to being with. There are multiple accounts that are have inconsistent information being reported across all 3 credit reporting agencies including personal info, account numbers, open date, closed dates, amount owed, payment history. I have attached the documents to this complaint that have been notarized and certified mailed to Transunion.
Product: Credit reporting or other personal consumer reports

This complaint is being filed against XXXX, Experian, and XXXX for failure to comply with federal laws governing the reporting and timely removal of inaccurate accounts associated with identity theft. 

I have previously submitted an Identity Theft Affidavit, an Affidavit of Truth, and copies of my identifying information to each of the credit bureaus via certified mail, which has been received as evidenced by the return receipts. These documents clearly establish that the following accounts are fraudulent and must be deleted immediately : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I stated Under the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ), you are required to investigate and delete any information that can not be verified as accurate within 4 business days when identity theft has been properly reported. Specifically : 15 U.S.C. 1681c-2 mandates that credit reporting agencies block fraudulent information within 4 days of receiving an identity theft report and proof of identity.

15 U.S.C. 1681i ( a ) ( 5 ) requires the deletion of inaccurate or unverifiable information following a reasonable investigation.

Failure to comply with these obligations has been adjudicated in the following court cases, which highlight your liability and lack of compliance : XXXX v. XXXX, XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Failure to remove inaccurate information after proper notice constitutes willful noncompliance with the FCRA. 

XXXX v. TransUnion, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : Credit reporting agencies are liable for damages when they fail to conduct reasonable investigations.
Product: Money transfer, virtual currency, or money service

I was using my business checking account to send a wire transfer to my financial institution account in order to pay for services for a virtual assistant. I had sent several payments through the financial institution, known as XXXX, and had several issues throughout many of the transactions. This time I took to sending a wire payment from my bank, XXXX, to XXXX. I sent XXXX transactions with the exact same information, but with different values for XXXX separate invoices. The XXXX transaction went through no issue, the other one is still missing. My bank has confirmed it was accepted and XXXX is telling me they did not receive it.
Product: Credit card or prepaid card

I have a Blue Cash Everyday card with American Express and utilize the Amex Offers & Benefits. 

Pursuent to that, I activated an offer on my account page at the Amex website for " XXXX - Spend {$50.00} or more, get {$10.00} back ''. 

Afterwards, I made a purchase on XX/XX/2020 ( the charge posted on XX/XX/2020 ) for {$62.00} on XXXX, making me eligible for the offer. 

However, AmEx is refusing to credit my account for the {$10.00} as was previously advertised. 

I have read all the terms and conditions on this particular offer, and have satisfied all of them. 

This is fraudulent advertising on AmEx 's part as they wrongfully claimed that I will be credited {$10.00} if I used my AmEx card to make the purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to Experian, XXXX and XXXX regarding an account they have published on my credit report from XXXX XXXX XXXX. I have gone through the proper channels of disputing this account and have only received a " account verified '' response from them. I DO NOT NOR HAVE I EVER had an ACCOUNT or CONTRACT or anything of the sort with XXXX XXXX XXXX and therefore DO NOT OWE this company ANY debts. Experian, XXXX and XXXX have FAILED to properly investigate the validity of this claimed debt that is damaging my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments are not correct and needs to be removed. 


Collection account is not correct and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reports twice that I owe a medical debt through XXXX XXXX XXXX for {$370.00}. I have asked for proof that I owe the debt but they refuse to update or remove it when I disputed it twice. I called the reporting agency and they could n't provide proof of a bill and still refuse to remove it. 

Equifax not only refuses to remove it they reported it twice on my report and ignored my dispute of the issue. 

The issue is they list twice on XXXX XXXX, 2016 a debt listed by XXXX XXXX XXXX. I asked for a bill and also to remove the double reporting of the issue. Equifax just ignored my dispute and continued reporting it without actually taking action on the dispute information I provided. They ignored me and did n't even act on the information I provided them.
Product: Credit card or prepaid card

I voluntarily closed my account that was in good standing with AMEX. I was unable to use most of the benefits of having a Hilton card because of COVID so I did not want to pay the annual fee renewal. I always paid the card in full every month and paid the final payment of {$210.00} on the date I closed my account. The payment processed my bank account on XX/XX/2021. I have my bank records to prove my assertion. Today, on XX/XX/2021 I received a bill that AMEX mailed to me ( please not that I have NEVER received an AMEX bill ; I have electronic billing ). The bill wrongfully asserts a " New balance '' of {$210.00} and includes a minimum payment due of {$40.00} and a payment due date of XX/XX/2021. I'm more concerned about other consumers falling prey to double billing or paying twice when the amount is not owed. Of course, I want this closed account to be credited in full and no balance indicated.