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

I have filed a complaint # XXXX on XX/XX/2023. I provided documentation to support my claim that Experian allowed my credit filed to house incorrect account balances as well as incorrect status. This lack of investigation of information as well as written consent from me has and daily causes me mental and physical stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining account need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the account below. 

XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I made a transfer of XXXX BTC and XXXX ETH, from the hard XXXX XXXX to Coinbase XXXX XX/XX/2021. Coinbase immediately blocked my disposal of XXXX BTC, without explanation. 
The amount is still blocked. 
I contacted their support repeatedly and received only automatically prepared answers, unrelated to my problem and after that as response to my formal complaint Coinbase state " my case is resolved and closed at XXXX XX/XX/2021. '' The amount of XXXX BTC is still blocked.
Product: Checking or savings account

I opened a savings account with HSBC bank XX/XX/2020 online. I made 2 bank to bank deposit transfers to the bank. Which took longer than expected to complete. Once the money was in, I would log into my online account from work and cell phone every few days just to check for normal activity. Then at some point in early XXXX I received a phone call regarding my account. I was told that there was unusual activity and they would like to ask me some questions regarding when the last time I logged into my account was, where I was logged in from, what my social security # was, etc. I thought this was very strange. I asked what the problem was, and I was told that my account had been accessed from a remote location outside of the XXXX area. I was eventually told that someone from the XXXX had accessed my account. So, I took a step back and asked if this may have anything to do with the XXXX XXXX service I use on my web browser while at work. I explained I have it enabled on a single web browser and only use it while at work. I asked that if that may have flagged the account unintentionally. I was then asked where my deposits came from and I explained I transferred them from my personal XXXX XXXX XXXX  account and that I could provide any and all proof of my identity if needed. I was told that was not necessary and that the account would be closed immediately, and all funds would be transferred over to the originating bank, which I said was completely fine by me, since that was MY account anyway. I asked how long the funds would take to transfer and they said 10 days. So, I thought to myself, no problem as long as they send my money back, no harm done. So, I wait a full 11 business days and still nothing had arrived in my XXXX XXXX XXXX account. I was really becoming agitated at this point and decided to call HSBC and demand answers regarding the money they are holding from me since it was several thousand dollars. The representative I spoke with said that HSBC would send funds after they deemed it necessary and 10 days would be the minimum amount of time. So, I demanded he provide me with any and all info relating to my account, account #, routing #, where funds had been sent. The man refused to provide me this info and told me it was all at HSBC 's discretion on what to do with the funds. I asked that I be sent information via email or regular mail regarding the current situation surrounding my deposit money. He said that is up to HSBC only and they will decide how to move forward at their discretion. HSBC has essentially stolen my hard-earned savings money that I no longer have access to. I am extremely upset and demand they transfer all my money back to my XXXX XXXX XXXX account. It's now been over a month that my money was taken without any valid explanation and NOT returned.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

i noticed that on my credit report that i have some accounts that doesn't belong to me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX - Can not access my credit score as a paying member of this service. Have attempted to call several of their offices only to be told to call during business hours. It's XXXX XXXX EST and their recording states to call between XXXX XXXX  and XXXX XXXX CST.

I've attempted to contact them in the past and have been put on hold for over an hour only to be disconnected. I feel that I'm being ripped off by Experian where I can't talk to representatives regarding my account. No notices have been posted on their website regarding technical difficulties.

Feel as though I'm being held captive from an agency that is unresponsive to vital services, especially one that I'm paying monthly fee for.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Accounts : XXXX XXXX with XXXX XXXX XXXX XXXX XXXX with Experian, and XXXX  XXXX with Experian 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
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
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 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, credit repair services, or other personal consumer reports

Hi XXXX and how are you doing? Why is my process is taking longer than 60-90 days? I understand were in pandemic, but Ive disputed and sent letters out since the beginning of XXXX, and both the creditor and credit bureaus failed to respond Why? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late on my XXXX. I always paid on time. I never had a XXXX XXXX account, XXXX XXXX card is not mines, XXXX is not mines, XXXX mail dated XX/XX/XXXX I never had this account please removeand the 3 accounts below. Please help me. These are not mines they need to be removed from my credit XXXX bless XXXX XXXX  Act. # XXXX {$1200.00} Past Due XX/XX/XXXX Opened {$1200.00} High Balance {$1200.00} Creditor Contact : Not Available XXXX XXXX # XXXX {$520.00} Past Due XX/XX/XXXX Opened {$520.00} XXXX Act. # XXXX 30 Days Late 12.01.2017 Opened {$540.00} High Balance {$0.00}
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX XXXX # XXXX AND XXXX XXXX XXXX  XXXX # XXXX ALSO XXXX XXXX XXXX XXXX # XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTON 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: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/2022 I received a notification that I had new credit inquiries listed on my credit report. I think checked my credit report and saw that I had the following new inquiries : TransUnion inquiry XX/XX/2022-XXXX XXXX inquiry XXXX/2022- XXXX and XXXXXXXX XXXX XXXX I then froze my credit through TransUnion, XXXX, and XXXX. On XX/XX/2022I contacted XXXX and XXXX XXXXXXXX Bank. Both banks told me that they have no record of an open account or any applications being submitted/opened with my ssn or name. I then filed disputes with TransUnion and XXXX to get these unauthorized inquiries off of my credit report. 

I am unsure of where to go from here. I have not applied for any credit and I have not given out my information. However, I am concerned that someone is using my information and trying to open accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX To whom it may concern, At this time, I am writing to you regarding an account listing on my credit reports. This account is NOT mine and when contacting National Credit Systems, I have been treated very poorly. I have requested a copy of a credit application filled out by myself several times, they can not provide one. When asking how they have my social security number I was advised that is none of my business. I have attempted to contact XXXX XXXX XXXX, Manager several times to resolve this issue. I am placed on hold and then transferred to a collector. 

I have contacted the apartment complex and spoke with XXXX and she stated that they have nothing to do with XXXX XXXX XXXX, but that if the collection agency would call them she would have this removed from my credit. When speaking with Nation Credit Systems they stated that XXXX XXXX bought out XXXX XXXX and it is not their job to contact the apartments manager. 

According to 444.3 Unfair or deceptive cosigner practices I should have been given a separate form to sign notifying me that I was a cosigner and what my rights and responsibilities are. 

( c ) To prevent these unfair or deceptive acts or practices, a disclosure, consisting of a separate document that shall contain the following statement and no other, shall be given to the cosigner prior to becoming obligated, which in the case of open end credit shall mean prior to the time that the agreement creating the cosigner 's liability for future charges is executed : I was never given this form and upon requesting this I get transferred from collector to collector asking me to verify my social. I refuse to give my social any longer because I feel this will be their excuse for having it. 

I am at this time DEMANDING that this be removed from my credit report as it has been affecting me in a negative manner. I was never a resident and was told by apartment manger that I was being used as a reference, NOT a cosigner. Please see enclosed eviction notice for this property where I was never listed. Please contact me for any further information needed at the above address or phone number. 

Thank you, XXXX XXXX XXXX
Product: Debt collection

I am XXXX XXXX. I am the living person, I am XXXX. I am submitting this complaint. No XXXX party involved. No Authorization needed. THERE ARE A FEW ACCOUNTS OPEN WITHOUT MY KNOWLEDGE. MY PURSE was stolen or misplaced WHICH HAD ALL MY INFORMATION IN IT i was not able to locate it during the months i was sick fighting for my life During the time I was fighting XXXX I was I REPLACED ITEMS THAT WAS LOST IN MY WALLET I DID REPLACE MY ID AND SSN CARD. I ALWAYS USE MY XXXX XXXX FOR MAIL SINCE ITS MORE SECURE THEN THE APARTMENT MAILBOX NOW IM SEEING DIFFERENT ADDRESS THAT IM HAVE NO IDEA ABOUT ON MY CREDIT AND NOW I FOUND OUT THRU MAIL I HAVE CREDITORS ASKING FOR MONEY AN THREATENING ME AND FAMILY MEMBERS. I DID HAVE AN INCIDENT WITH MY CELL PHONE SIM CARD KEEP GETTING DEACTIVATED I HAD TO KEEP GOING TO THE STORE AND GET A NEW SIM CARD EVENTUALLY A NEW PHONE TOO BUT THE IS ALL I CAN THINK. MY IDENTITY WAS STOLEN AND I NEED TO FIX IT
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within four business days of receiving this complaint. This fraudulent, inaccurate, and false information consists of a mobile phone account with XXXX XXXX opened on XX/XX/XXXX, a student loan with the Department of Education opened on XX/XX/XXXX, another student loan with the Department of Education opened on XX/XX/XXXX, an auto loan with XXXX XXXX opened on XX/XX/XXXX, an auto loan with XXXX XXXX XXXX opened on XX/XX/XXXX, and a collection account with XXXX XXXX XXXX opened on XX/XX/XXXX. I have attached a copy of the consumer FICO credit report maintained by you, which shows the aforementioned fraudulent items. I do not recognize these accounts as reported. These items appearing on my consumer credit report were not opened, made, or initiated by me and are all the result of identity theft and fraud. Additionally, I have attached a copy of the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the U.S. Federal Trade Commission that all of the aforementioned consumer credit accounts are the result of identity theft and fraud.
Product: Debt collection

In XXXX, I had a car loan on a XXXX through XXXX XXXX. They increased my payments by at least a {$100.00} more a month. I had many discussions with the company and was told that if I let them take the vehicle back, all further debt would be erased considering they could sell the vehicle for more than what was owed. The entire time I had that vehicle, there was nothing but issues with it. I had to replace brakes, tires, the fuel pump, rust spots, and much more than I can hardly remember. Now, Professional Financial Services of Ohio LLC., is claiming that I never made a court hearing in XXXX XXXXXXXX XXXX XXXX  back in XXXX ( I was living in XXXX  and had never received any mail, emails, phone calls, etc. about a court hearing. This money that they claim I owe, isn't even on my credit report. And now PFS of Ohio is coming after me for it again with 17.950 % interest tacked on. I do not owe this money and I am appalled that this is something I'm dealing with nearly a decade later!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX Account # XXXX # XXXX # XXXX # XXXX # XXXX XXXX XXXX almost XXXX  years # XXXX has violaded 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 stades a consumer reporting agency can not furrish a account without written instruction.
Product: Debt collection

On XX/XX/year>, I pulled my XXXX and XXXX XXXX report, and I noticed Central States Recovery Collections were reporting I owe them. I have never did any kind of business with Central States Recovery Collections. On XX/XX/year>, I requested, I be provided with all documentation they have, which proves I owe for the account they're reporting as a collection account. I also requested, for the information that they're reporting to be permanently removed from my consumer report, and I have yet to receive a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended a presentation with XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX was our representative. We were very interested in the vacation timeshare based on the information that was provided to us by XXXX. I specifically asked her twice if they would complete a soft or hard pull before I would apply because I did not want any hard pulls. She advised each time that it would be a soft pull only. We advised her and her manager that we had an event we needed to get to and would come back later to apply ; of course they made it seem like we needed to apply then yo get the additional promotion fincluding another 4000 in points, therefore I applied. Once we completed the paperwork and left a few minutes later, I was alerted by my credit monitoring system that I had a hard inquiry from XXXX XXXX XXXX I immediately text XXXX XXXX and informed her that I was disappointed that there was a hard inquiry instead of a soft pull and needed this hard inquiry removed. She advised that she would get with her manager and call me when she got off work. She called and indicated that they would take care of it. 
After doing further research on the company, I discovered they have several bad reviews regarding misrepresentation. We were given inaccurate information by XXXX regarding the credit pull as well as how many points it takes for 1 week vacation within the US. We decided to cancel the next day. I followed back up with XXXX on XX/XX/XXXX regarding the removal of the hard inquiry. On XXXX, I followed up again after no response. She then indicated that since I cancelled, she wasnt sure how it would be handled and gave me a phone number to call. I informed her that she needed to find out who I needed to speak with since she misinformed me. XXXX, she indicated that I would need to call the number XXXX. I advised her that the number was invalid and that she would need to provide me with a working number. I have not hear back from her since. 

On XXXX, I called the phone # indicated on my credit report # XXXX. I was transferred to someone ( forgot the name ) and left a message. Have not received a response. 

On XXXX, I called another number that I XXXX # XXXX. I spoke with member services rep XXXX XXXX, I advised her what happened and that I had my XXXX voice text messages between myself and XXXX XXXX She gave me her email XXXX to send the messages and her extension # XXXX. She advised that she would speak with her manager. I emailed XXXX the documents on XXXX. I have not received a response. I emailed her back this morning and I called her. I tried to leave a message however her voicemail is not set up. 

This company provides misinformation, misrepresentation and is therefore considered fraud. I did not give anyone permission to hard pull my credit. At this point, they need to remove the hard inquiry I have tried to dispute directly with Experian, however they indicated that they do not handle inquiry disputes an to dispute directly with the company. I advised that I have tried to dispute with the company however I am not receiving any response.
Product: Credit reporting or other personal consumer reports

While checking my personal credit report, which I acquired from CONSUMER PORTFOLIO SERVICES, I noticed an inquiry made by your company. 
I did not authorized anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.

I request that you either mail me a copy of my signed authorization form that gave you the right to view my credit within 10 business days so that I can verity its validity. If vou can not provide me with proof that I authorized vou to view mv credit report then I am demanding that vou contact the credit bureaus immediately and have them remove the unauthorized hard inquiry immediately. I also request that you remove my personal information from vour records. 
Please send me a written confirmation that you have complied with my requests. 
Your failure to comply with my requests within 10 business days will be my evidence used in Federal Court of your willful noncompliance [ 15 U.S.C. & 1681n 1 and I will be seeking statutory damages, punitive damages and the cost of the action and reasonable attorney fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report incorrect public record information on my credit report. As a result and in an effort to help correct the error I have asked them on several occasions for a full description of the procedure used to determine the accuracy and completeness of the erroneous information they are reporting. 

The Fair Credit Reporting Act in Section 611 ( a ) ( 6 ) ( B ) ( iii ) makes clear that the consumer has the right to request description of reinvestigation procedure, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The credit bureau must provide this information within 15 days. 

I have requested this information on several occasions and have been very specific that I am requesting the name and address of the furnisher, as well as the telephone number if available - as specifically stated in the FCRA. 

Experian continuously fails to abide by this provision of the FCRA and instead mails me a canned answer/letter that does not provide any information as to the furnisher, only explains that their procedure is to contact the furnisher and report back within 30 days. 

I have received the same canned answer letter over and over, a copy of which I am attaching. 

As a side note, it is worth mentioning that Experian is the only one of the three credit bureaus reporting this erroneous public record.
Product: Credit reporting or other personal consumer reports

Hi I saw on your website that I may be entitled to compensation if I paid Lexington Law for their credit repair services around XXXX and I did. Please let me know what information you need for me to continue filing this claim for legal compensation.
Product: Credit reporting or other personal consumer reports

My credit reports with XXXX XXXX, XXXX and Equifax are showing names, addresses, and phone numbers that do not relate to me. I have one phone number, one address, and one name. 

All of the inaccurate information is damaging the consistency of my credit report and causing issues. 

My only name is XXXX XXXX My only address is XXXX XXXX XXXX, XXXX XXXX, OH XXXX My only phone number is XXXX
Product: Credit card

Wells Fargo has been charging me insane overage on fees and transaction fees when I am not suppose to be receiving them and when I do pay my statement they dont deposit the money on time so it causes a ripple effect and I endure more charges.