23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Thank you for taking the time to read this letter. I'm writing because I noticed that my most recent credit report contains a late payment reported on [ XX/XX/year> ] for my closed paid XXXXXXXX XXXX XXXX. 
I want you to know that I understand my financial obligations, and if it weren't for an oversight, l 'd have an excellent repayment record. I made a mistake in falling behind, but since then, I have diligently paid on my account. Since then, l 've had a spotless record of on-time payments. 
My wife and I are planning to apply for a mortgage, and it's come to my attention that the missed payments on my record could hurt my ability to qualify. I truly believe that it doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payments. 
Thank you for your consideration, and I hope you'll approve my request. 
Sincerely : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm a casualty of wholesale fraud. I'm writing to demand that you block the accompanying deceitful data from my credit report. I'm currently applying for another credit and these mistakes are causing an issue with my XXXX ratings revealing appropriately, so any assist you with canning give me with refreshing this data straightaway would be enormously valuable. We are hoping to purchase a house. Kindly assistance
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is showing a wrong address for me that i lived in XXXX Arizona which i never did i know nothing about XXXX never was there
Product: Debt collection

I never allowed them to use my name. I am the ONLY executor of my trust. I've alerted them via mail. They're still trying to sue on something that isn't mine.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX, Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor Name LXXXX XXXX XXXX  XXXX XXXX XXXX XXXX ), Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX  Account # XXXXXXXX XXXX  Account # XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX Account # XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX  XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # XXXX XXXX Account XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX 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 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.
Product: Money transfer, virtual currency, or money service

We were set up to make a payment to our contractor for {$39000.00} for payout on XX/XX/year>. Prior to the transfer, our email systems got hacked, and the hacker spoofed our company email accounts, requesting an emergency account information update. Because our company email computer systems were hacked, the funds transfer of {$39000.00}, paid out using our XX/XX/XXXXpayroll, was submitted to Truist Bank but was unauthorized. XXXX debited the funds from our bank and Truist Bank accepted the funds transfer, even though the contractor/recipient name did NOT match the payee name on the funds transfer. Because our email system was hacked, the hacker then intercepted all emails between us and the contractor, so we were not aware that we were victims of the scam. Two weeks later, on XX/XX/XXXX, we were made aware that the funds were never received by our intended recipient/contractor. We then contacted Truist Bank, who confirmed that the funds were received, and that the name of their client ( receiving account ) did NOT match the name of our payee/contractor. Truist Bank confirmed that the account was recently opened, but then was closed within the week of receiving our funds transfer. Truist Bank than advised us that because we do not have an account with them, they were no longer able to provide any further information about the funds or account. Truist Bank stated that in order for them to process the reversal of funds, our payroll system will need to submit the request for refund. However, as XXXX has a 5-day limit on actioning transactions, they are not able to provide any documentation to Truist Bank to initiate the request for refund. I have requested multiple times from Truist Bank if they allow for any exceptions and for me to submit a request for refunds, but they have refused and not willing to refund the money, even though they should NOT have accepted the transfer since the recipient names did NOT match. Not only that, they allowed for the account to be closed without any further repercussions to the fraudulent opening of the account. We have not been able to get any further traction from Truist Bank without any further assistance. XXXX provided us with electronic verification documentation that funds were accepted by Truist Bank.
Product: Credit reporting or other personal consumer reports

I paid my Self XXXX card off in full several months ago. Despite contacting Self and XXXX and showing proof the account is a XXXX balance XXXX updated the balance as of XX/XX/year> to {$490.00} despite the fact I submitted a dispute and uploaded my XXXX statement showing the balance is XXXX. This Hugh balance is prohibiting me from getting credit and hurting my score
Product: Credit reporting or other personal consumer reports

Recently i looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account ls hurting my ability to obtain credit. it is my understanding that you will investigate these item for me to ensure accuracy Here is the item i am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

see ftc and fix it remove it fcra violations
Product: Credit reporting or other personal consumer reports

I have reached out and send supporting documents and proof for investigation with XXXX XXXX XXXX for {$3200.00} which I have done twice and each time it came back the same day with nothing done. Also, things that were cleared and removed from my bankruptcy that was discharged was added back on as part of closed accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

This complaint is in regard to my Apple credit card account and I believe what they are doing is inappropriate actions of my Apple credit card account. I have worked very diligently to build and maintain my credit in an effort to purchase my first home for my wife and myself. I was successful in obtaining a mortgage and did indeed purchase my new home over a year ago. I have had my Apple credit card for 3+ years and always pay the balance off in full each statement period. My income and budget are always kept in mind when making any purchase, and I never extended myself to put my budget or capacity to repay in jeopardy at any time. I received a notice on my phone from apple stating " Spending is Blocked on Your account. Then it states " contact support to see if you're eligible for payment assistance plans. They were, therefore, closing my account from any further use as my available credit shows {$0.00}. This is my oldest credit account which is going to affect my credit scores as well as my ability to obtain new credit which has left me unable to refinance my mortgage rate when/if the rates come down. Credit scores are supposed to evaluate a person 's risk of repayment based on their historical demonstration of an ability to repay in a timely manner. The actions of Apple, did not take into consideration my income or my history of repayment when making this arbitrary decision. I also believe it is quite unfair to give a person a line of credit while at the same time not anticipating that party to utilize it. Please assist me in righting this wrong caused by these institutions. With Kind Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I reached out the them and got nothing but the run around I have drove in XXXX  years Im not looking for a car and some of theses companies run my information about XXXX  times in a day are the next day I dont recognize any of this I want to see my wet signature on this authorization this is very inaccurate on my credit report I even informed Experian to dispute these XXXX  inquiries over XXXX. If Im correct if credit agencies dont delete your negative items aft you dispute them they will owe you {$1000.00} per item 15usc i68 ( civil liability for willful non compliance.
Product: Student loan

Hours long wait times for their customer service number. Inability to process information properly. Website glitches and crashes, unable to make a payment. Despite being placed on IDR my payments doubled ( student loan.gov couldn't understand why or what happened to cause this. ). Nelnet is a predatory company with a terrible corporate structure, being greedy means folks with loans suffer because they won't hire more employees to handle the volume of calls. Customer service is rude ( if you wait on hold for 3 hours and are 'lucky ' to get through to someone ), errors are made on accounts and new information is not updated to reflect changes ti accounts. Withdrawing more than the amount due for loans.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX
Product: Checking or savings account

Check deposit {$100.00} from XXXX XXXX XXXX XXXX to USAA on XXXX. 
Never credited to my account. 
Deposits before and after XXXX  credited to account. 
I have copy of cleared check. 
Called in around end of XXXX beginning of XXXX. Missing deposit case opened. 
XXXX notification that funds not found case closed. 
XXXX Called USAA again, per Rep. Check found, and account it was deposited into. 
Not my account. 
XXXX  called today told no check found. 
XXXX terminated.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX XXXX last 4 of ss # XXXX XXXX XXXXXXXX Account Number : XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : XX/XX/XXXX XX/XX/XXXX {$260.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX, XXXX Account Number : XXXX Date fraud began : Date that I discovered it : XXXX XXXX Total fraudulent amount : XXXX Credit Card Opened by the Thief Company or Organization : XXXX XXXX  Account Number : XXXX Date fraud began : Date that I discovered it : XX/XX/XXXX XX/XX/XXXX Total fraudulent amount : {$720.00} Credit Card Opened by the Thief XXXX XXXX XXXXwww.identitytheft.govXXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX IDTheftReport Company or Organization : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : XX/XX/XXXX XX/XX/XXXX {$730.00} Credit Card Opened by the Thief Company or Organization : XXXX XXXX Account Number : XXXX Date fraud began : Date that I discovered it : Total fraudulent amount : XX/XX/XXXX XX/XX/XXXX {$430.00} i am disputing the following information on my Equifax, XXXX , and XXXX credit report as it in inaccurate and negatively affecting my credit standing. The reported item from the following creditors with the account numbers located above is incorrect due to the identify theft. I did not authorize this account, nor do i owe the claimed amount. This error is causing unnecessary damage to my credit score, which is impacting my financial well being. I am requesting under FCRA 605B ( 15 USC 1681c-2 ) that this inaccurate information be investigated and removed from my credit fi le. I have attached supporting documentation such as my photo ID and proof of address, to verify me and ensure this matter is resolved promptly. I appreciate your immediately attention to this issue and request that i be informed of the outcome of your investigation ASAP.
Product: Student loan

I have recently contacted ACS Education Services to discuss available options regarding my monthly payment. While I am current on my monthly payments I explained my current financial situation and my concern to fulfill my future monthly obligations. Ultimately, I expressed my intentions to be proactive prior to accumulating missed payments in the future then continuing to fall further behind. Each representative had expressed similarly that they can appreciate my effort to reframe from missing future payments, yet there are no additional repayment options available for me. They continued to explain that if I was currently 31 days or more past due other options would be available at that time. If they are capable of offering other payment options after 31 days past due, they certainly can make those same options available to those that are struggling to avoid late payments. Therefore, after different attempts to voice my concern with various representatives, ACS Education Services will still not provide me with an alternative repayment option to avoid missing payments due to my financial situation. 
Since graduating in 2013, each of my federal and private student loans has now transferred to repayment status. I have continued to place my federal loans in forbearance in order to afford the private loans and other monthly expenses. After graduation, the income I accumulated from my employment was insufficient to pay for each private student loan I acquired over my collegiate years. Therefore, I was compelled to utilize the brief forbearance period allowed which is no longer available. Over the last few years, I have been blessed to obtain advancements in my career, which have generated increased wages. Even though my income has increased, the payment obligation for each monthly expense and student loan continues to exceed my total monthly income. Currently I receive about XXXX a month after taxes. My total expense which include current student loans being repaid is about XXXX. If I forgo other monthly expenses and limit my grocery/personal budget, the total expenses could be reduced to about XXXX. Even if the forbearance option was available, I would prefer not to delay my obligations. In conclusion, I would greatly benefit from lowering my monthly private student loan payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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

ould you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a certified letter to XXXX XXXX and Equifax to have my personal information updated that is current and to have all past employment information removed from my credit and all names that is not spelled correctly like on my birth certificate and all past addresses that does reflect my current residence thats is shown on my state drivers license XXXX XXXX XXXX XXXX- inq XX/XX/20 XXXXXXXX XXXX  XXXX XXXX- inq XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-inq XXXX XXXX XXXX XXXX XXXX- inq XXXX XXXX XXXX  XXXX XXXX XXXX XXXX These are some of the companies that ran my information without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I attempted to unfreeze my credit report from www.transunion.com. On the customer log-in screen there is now five different options to log-in or create an account. Two of the five options charge the consumer. Those two options are " Credit Monitoring '' and TransUnion Plus. There is no indication at this log-in screen that two of those options are going to cost money. It is extremely misleading to the consumer and the fact that every American must have access to their consumer credit report. This is incredibly confusing and designed this way on purpose to generate money. There is no supervisor available during two calls where I tried to contact them. My reference number with TransUnion is XXXX.
Product: Credit reporting or other personal consumer reports

I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with an
y of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and may be the result of identity theft or other illegal activities. Attempting to enforce these fraudulent accounts is unlawful. I request that you expedite your investigation to prevent further harm, losses, or damages that I may suffer as a victim of identity theft.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy chapter XXXX on all three of my credit reports, Experian, XXXX and XXXX claim that the data furnisher for this bankruptcy is the United States Bankruptcy Court but I know that is incorrect, I contacted the Bankruptcy court where I live and I was told by the Clerck that the bankruptcy court do not share or provide information to third party. I asked the court for the information in writing so that I can send it to the credit bureaus and be able to get that bankruptcy deleted. I received the letter in the mail, I sent it to all three credit bureaus and it seems like they ignored the letter and they keep telling me that the bankruptcy is accurate. I know that these companies get this information from another company called XXXX XXXX. The FCRA states that all information on a consumers credit report needs to be 100 % accurate. This bankruptcy is being reported inaccurate. This is a violation of the FCRA and it is breaking the law. I have included the letter from the Bankruptcy Court as proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last several months ( starting XXXX XXXX ) I've sent Experian and XXXX numerous correspondence outlining the fact that I was a victim of identity theft. Within my letters, I provided Experian and XXXX with detailed descriptions of various unauthorized transactions by third parties pretending to be me. 

Specifically, within the letters, I disputed the false and derogatory information that was improperly reported on my credit reports as a result of his identity theft. In addition, I provided all documents requested by Experian and XXXX to prove my claim of identity theft such as multiple police reports, FTC ID Theft affidavits, etc. 

Despite this, in response to all of my prior communications, Experian and XXXX have failed to take the appropriate action to remove these illegal and improper entries from my credit report, in clear violation of the Fair Credit Report Act ( FCRA ). Experian and XXXX have impeded all of my prior efforts by asking for duplicates of documents and reports, which had already been produced, multiple times. It is clear from Experian and XXXX conduct that it's not their intention to comply with its obligations under the FCRA. 

I have asked ( demanded ) multiple times that Experian and XXXX remove the aforementioned entries. To date ( XX/XX/XXXX ) they all still appear on my Credit Report. This is having a detrimental effect on my ability to get credit, apply for financing, etc. As such, immediate action was required to be taken by Experian and XXXX to remedy this. 

The Fair Credit Reporting Act ( FCRA ) provides mandates that all credit reporting agencies and bureaus must comply with. Specifically, 15 U.S.C. 1681c-2 states : ( a ) Block : 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, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXX XXXX
Product: Debt collection

There is a company trying to collect debt that I do not have at all. They are attempting to collect {$140.00} I have no idea why, do not owe anything, have never seen this, and have not opened any new accounts. 

The company is : SEQUIUM ASSET SOLUTIONS, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX