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

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. Remove these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
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 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 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 XXXX
Product: Money transfer, virtual currency, or money service

I, XXXX XXXX XXXX, am a XXXX XXXX. I represent a client in XXXX who is the victim of a socially engineered spearphishing attack. My client 's daughter 's email account was hacked, and the hackers were able to look through her email history and learn she will be getting married in XX/XX/XXXX. Using her email account, the hackers sent an email to my client posing as his daughter and asked for money to help pay for wedding expenses. My client responded by email and agreed, and asked for bank wiring instructions. The hackers sent him instructions to wire money to a U.S. Bancorp ( US Bank ) account in XXXX XXXX, CA. On XX/XX/XXXX, my client wired {$38000.00} to the account. Almost immediately, the hackers were able to make two cash withdrawals totaling {$10000.00}. The next day, the hackers made two cash withdrawals totaling {$19000.00}. 

My client realized on XX/XX/XXXX he had been scammed and alerted his bank, XXXX XXXX in the XXXX XXXX, who contacted their correspondent bank in XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX in turn contacted US Bank, at which point US Bank placed a freeze on the account in XXXX XXXX. By that time, {$19000.00} remained in the account. 

I have been able to track down the beneficial account holder, who lives in XXXX XXXX. I convinced the account holder to return to my client the remaining {$19000.00}, and he has received that money. I also convinced the account holder to allow me to have access to her bank statements. Based on the statements, I determined there were two large deposits followed almost immediately by four large cash withdrawals. US Bank has not been forthcoming in providing information with respect to those cash withdrawals -- I would like to know where the money was withdrawn, how, and by whom. 

Based on the two large ( {$10000.00} and {$37000.00} ) international wire transfer deposits, followed almost immediately by large cash withdrawals, it appears that US Bank failed to utilize appropriate anti-money laundering measures. Even if US Bank did have an anti-money laundering measures in place, the large international wire transfers and immediate cash withdrawals should have raised red flags and triggered immediate scrutiny. Furthermore, the two international wire transfers originated in XXXX and XXXX, two countries known to have rampant money laundering and bribery problems, and which are on the U.S. Department of State 's list of Major Money Laundering " Countries of Primary Concern. ''
Product: Credit reporting or other personal consumer reports

Equifax mixed my credit report with someone else 's. Equifax included someone else 's collection accounts and unpaid balance on my credit report and ruined my credit report which caused the denial of my tenant application. Any reasonable person could tell the credit report was wrong and included information of more than one person since there were addresses in NY, NJ and CA in the same time and there were six XXXX accounts. However, they still sent this report out to landlords. This shows that Equifax did not exercise any reasonable care in preparing credit report and they are grossly negligent in this. 

The collection accounts Equifax wrongly included in my credit report relates to missed rent payment in XXXX and I have included my rent payment history here for the past three years going all the way back to XXXX. This clearly demonstrates that the collection accounts don't belong to me. I have attached my rent payment history here. 

In addition, there is a XXXX component to this as well. I learned from the collection agency that the collection accounts Equifax wrongly included in my credit repot belong to someone else with a similar but different XXXX name as mine. It seems like Equifax thinks all XXXX names are the same and they can just randomly assign one XXXX 's credit history to another XXXX. This shows that Equifax is extremely careless in handling credit reports of people with XXXX names and treat their customers differently based on their XXXXXXXX.
Product: Credit reporting or other personal consumer reports

I am not associated with these inquiries, nor do I have any connection to the listed creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX- XX-XX-2016 Experian XXXX XXXX XXXX -XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 XXXX XXXX XXXX-XX/XX/2016 The inquiries that I have written above are unauthorized. I did not allow anyone to use my personal information to obtain goods. Experian and XXXX have not removed the fraud inquiries from my credit report even though i have disputed them multiple times.
Product: Debt collection

Hunter Warfield is on my credit report, the date it states it was opened was during the time I was in   XXXX   so I couldnt have gotten a apartment at the time. I sent them a pay to delete offer because that seems to be the only way to get it off my credit without having to pay them the full {$2000.00} something I do not owe. And now they are reporting on my credit that my payments are late after 4 years! Hunter Warfield is hurting my credit and is stopping me from moving on in my life.
I have put a dispute on BBB along with lots of other consumers who is having this issue with Hunter Warfield.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I disputed information on my credit report I waited the 30 days they sent me a letter saying it had been verified. So I contacted the court and they sent me a letter saying they didnt verified it. So I sent the letter asking how did they get their information from and to send me the verified information they refused and said it was verified. I never received how it was verified nor did they send any information and today it remains on my credit report.
Product: Credit reporting, credit repair services, 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 A 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! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My car was serviced at XXXX XXXX ( XXXX XXXX XXXX, XXXX CO XXXX ), part of the XXXX XXXX XXXX, in XXXX of 2022. The work was covered by my insurance company, for which they received a payment -- as a result, I recieved a refund for the payment I had initially made, which was issued in XX/XX/2022. 

I have not received any communication from XXXX XXXX XXXX since that time. Indeed, I had my car serviced again in XXXX of 2022, and no mention was made of me owing any amount. 

I received a debt collection letter from Alpine Credit , Inc, ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX CO XXXX ), stating that I owe the exact amount refunded to me, plus interest accrued since XX/XX/2022. This is clearly erroneous. Moreover, I have not received any bills, statements, or other communication from XXXX XXXX since that time. Of further note, this apears to have been reported to consumer credit reporting agencies -- this has affected my credit score dramatically.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple inquiries on my report that i have no idea you authorized them to pull my report
Product: Credit reporting

the issue is this, the reporting agency has put tickets on my credit report base on what Ihave found out. they pass a law that can not put tickets on your credit report. I would like them remove. if they are not suppose to be on there and they are breaking the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT EDXXXX Balance : {$4200.00} ; US DEPT ED XXXX Balance XXXX {$17000.00} ; US DEPT ED XXXXBalance : {$9400.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2016.
Product: Credit reporting or other personal consumer reports

My account with TRANSUNION was never late! I have had exceptional payment history 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 to be updated.

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.

TRANSUNION 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!

Update the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I sent a dispute letters to credit bureaus about fraudulent inquires attached with FTC report and driver license for them to remove inquires that were not authorized by me which they ignored.
Product: Debt collection

Rash Curtis is attempting to collect for medical collections on behalf of Original creditor XXXX XXXX XXXX XXXX where I was never a patient and have no debt to them. I contacted both entities with no luck .... now rash curstis is calling my work, home even my ex 's household threatening to arrest me if I didn't pay these collections. original creditor could not find anything in my name and could not validate the ownership of these collections ... it is damaging my credit big time and my reputation. I almost lost my job because of these calls and false allegations. please help
Product: Credit reporting or other personal consumer reports

Upon looking through my credit report I noticed that XXXX XXXX documented a late payment to my account for XX/XX/XXXX which is inaccurate and false. My account has alwayts been pqaid on time since the opening of my account XX/XX/XXXX. I also noticed that the companies reporting dates of opening date and date ; ast reported is not congruent accross all three credit reporting agencies as well. This further shows that these items are innacurate. Please delete any and all late payments shown on my XXXX XXXX Account.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I disputed XXXX accounts with XXXX and equifax and requested the accounts be removed from my account as per the fair credit act. They fixed the XXXX XXXX XXXX amount on the account only for XXXX XXXX XXXX to update the account again even though they were in violation of the XXXX and NY banking laws. I disputed it again and once again XXXX and equifax didn't remove the account. XXXX XXXX XXXX also continues to violate the XXXX and NY banking laws by falsely reporting on my account. 

XXXX Report Number XXXX Report Number XXXX I do not have the Report numbers for equifax but they were done at the same time. 

XXXX never responded to my dispute
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of certain information contained in my credit report as provided by your agency. This letter serves as my tenth formal dispute under the provisions of the fair credit reporting act ( 15 U.S.C. & 1681 ). I believe these inaccuracies may be linked to the XXXX data breach, which compromised my personal information. I have enclosed copies of ( supporting documents such as a statement, A FTC report, and verification of my identity that substantiate my claim. Please investigate this matter thoroughly. Correct the disputed information, and provide me with a revised copy of my credit report. Under the FCRA, you are required to investigate my dispute within 30 days or receipt of this letter, Notify the furnisher of the disputed information promptly and provided me with the results of your investigation and corrected credit report if changes are made. If the investigation does not resolve my dispute, I request that you include a statement of my dispute in my credit file and in future reports provided to others. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I have sent several requests to Experian requesting an investigation of my accounts. It has been months and I still have not received a response to my concerns. The only thing I have received is some automated rejection letter stating that they wo n't do anything to help me ( please see attached ). 
This has to be a violation of my rights. I feel like I 've already wasted so much time just trying to get Experian to look at the errors on my credit report and I 'm so frustrated that Experian is intentionally not responding to my inquiries. I need to have this issue resolved immediately. There are many things I need to do with my life and they all involve my credit. But I am not able to move forward all because of this credit bureau!
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX, XXXX Account Number : XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/2020
Product: Credit card or prepaid card

American Express overcharged me interest from XX/XX/2019 to the present, going up twice in cost, which ultimately doubled my finance charges. 

I called them today to find out why, and after speaking with 4 different people, no one could say. So, now someone is supposed to call me back. They did lower my interest rate one step below, but did not offer to pay me back the interest that I have been overcharged. 

It was a real joke when " XXXX '' said that well, it is based on prime/libor rates. I told her I was in finance myself and rates have gone down the last 2 years, not up ... so that isn't going to fly with me! 

Very disappointed in what I thought was such a fine company.
Product: Credit reporting or other personal consumer reports

This company keeps allowing items to be placed in my report thats inaccurate. I have filed disputes, and they keep breaching my data. How is it that they get to breach your data while also providing information that impacts major decisions in your life. I have filed bankruptcy twice, most of the stuff is still in my reports, so why am I being impacted for the bankruptcy. I have requested the information that was provided to them that assured them the information should be there- they always say your dispute has been completed. Ive already had XXXX breach my data, state companies, and now the credit agency. This does not protect me as a tax paying consumer. I know my life is not together but Im assured its because of the systems that are in place, that keeps me from getting my life together.
Product: Credit reporting or other personal consumer reports

I sent my FTC report and my ID with proof of my address to EQUIFAX and EQUIFAX refuse to investigate and remove the unauthorized inquiries from my credit report. I have reason to believe and do so believe EQUIFAX is refusing to investigate and remove the unauthorized inquiries from my credit report because I didnt send a copy of my social security card. I have provided EQUIFAX with my social security number to authenticate and verify my account several times when I called the company on numerous occasions regarding this matter. I have successfully verified my account with EQUIFAX numerous times and each representative of the company refused to do their job. Someone stole my social security card and I recently went to apply for another one. The Social Security Administration gave me a confirmation receipt with my social security number at the appointment. The confirmation receipt is all I have to submit to EQUIFAX until my card arrives in the mail. Please see my initial dispute here. I demand these unauthorized fraudulent inquiries be removed from my credit report : 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 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 ALSO remove all derivatives of my name from my credit report and only update my report with XXXXXXXX XXXX XXXXXXXX. Thank you for your attention to this matter. I assure you will not discriminate.
Product: Debt collection

In XX/XX/2019, I sent a certified letter to the credit agency. In the certified letter i asked for the three collections  that are medical bills and posing a negative impact on my credit to be validated by their company. This collection agency has had ample amount of time to respond in a timely manner and haven't do so yet. I received the certified part back signed but no information as far as paperwork of signed documents.