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

I am filing a compiaint against Experian for failing to properiy investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

I have been on unemployment since the beginning that the COVID-19 pandemic hit, XX/XX/2020. I have received weekly checks from unemployment direct deposited into my Wells Fargo checking account since XXXX. On XX/XX/2020, I was trying to use my card to pay for groceries and I received that my card would not go through. When I tried to take money out that same day, it also would not let me take money out. The next day, XX/XX/2020, I contacted a Wells Fargo representative only for them to inform me that my account has been frozen due to " fraudulent activities. '' I was never contacted by a Fraud Prevention Specialist or received a claim number to identify my case. I am now going on 3 weeks and I have been informed that the reason my account has been frozen is because the unemployment checks that have always been deposited into my account have my mother 's maiden name, which is XXXX. I called unemployment and asked them to please confirm that my name is correct and they made the switch. I took this information along with my mother and her passport to confirm that this was just a last name typo and the change has been made. The banker informed me that due to this being " fraudulent activity '' they will be closing my account by Thursday, XX/XX/2020 and I will not be having my money returned. This is not only tarnish my reputation and credit but also lose the money that belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute Letters ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), a fourth Follow-Up Letter ( XX/XX/XXXX ), a Notice of Intent to File a Formal FTC Complaint ( XX/XX/XXXX ), a Follow-up Letter ( XX/XX/XXXX ), and seventh a Follow-up Letter ( XX/XX/XXXX ). In total, I have sent seven letters asking for a correction to my credit report.

To date, I have had to dispute incorrect inquiries that are not mine seven times. To date, I have not received a response from any of the credit bureaus on the inquiries, or the confirmation of the removal/deletion by any of the three credit bureaus. 

The inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

The complaint is against Citi Bank. 

I tried mobile depositing a check from Department of Treasury into my checking account with Citi a few days ago. The check was for Covid overpayments in amount of XXXX. This morning I went to try to log into my online banking account which includes my checking account as well as a credit card account. It would not let me in. Keep in mind I have XXXX $ of my own money Ive had in there for months. I called customer service and they told me the account was blocked and transferred me to fraud line for verification. Waited on hold for TWO hours and a rep finally got on and inquired about the check from DOT. I gave all the details of the check in hand and she told me it was fraudulent and were immediately blocking all access to my account and closing the account. And that IF I had money owed to me it would be released to me within 60 days. If I have money owed? I have over XXXX of my money in there. I have a lot of money in that account and should absolutely not be blocked from accessing it as the Mobile check has nothing to do with my other funds. I asked for another rep and went back into the loop on hold for another three hours and no one ever picked up. So now I have no access to all my funds over a check that was NOT fraudulent and no direction. I went to another bank I have an account with today, not Citi, and they cashed it no problem. So Citi made a decision that was incorrect and Im being punished for it. I also tried calling supervisors on the personal account line and they told me they can not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I recently received a copy of my XXXX and Equifax credit reports and I notice there is an unauthorized and unrecognized credit inquiry made by XXXX and Equifax creditors. As far as i knew I do not recall authorizing this credit inquiry and I understand they shouldn't be allowed to put an inquiry on my file unless I have authorized it.

If they find I was not the one who authorized this inquiry, I ask that it be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed.

If they find that I am in error, then send me proof of this. I think i got victom of their inquiries issues.

Here 's the list of the inquires : 1- ( XXXX  report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX 2- ( XXXX  report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX 3- ( XXXX report ) XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 4- ( XXXX  report ) XXXX Inquired on XX/XX/XXXX5- ( equifax report ) XXXX XXXX Inquired onXX/XX/XXXX 6- ( equifax report ) XXXX XXXX XXXX Inquired onXX/XX/XXXX 7- ( equifax report ) XXXX XXXX XXXX Inquired on XX/XX/XXXX8- ( equifax report ) XXXX XXXX Inquired onXX/XX/XXXX 9- ( equifax report ) XXXX XXXX Inquired onXX/XX/XXXX 10- ( equifax report ) XXXX XXXX Inquired on XX/XX/XXXX 11- ( equifax report ) XXXX Inquired on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Been dealing with unauthorized use of my personal information which results in unidentified results on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I had to re-dispute wrong information with Experian, that was placed on my credit report regarding a car loan I had, through a company by the name of XXXX XXXX   XXXX sending them a letter from XXXX   XXXX, showing proof that it was paid off. XXXX XXXX reported that I was 30 days late on my car payment, which was incorrect. I traded the vehicle in before I reached the 30 day mark, yet they never updated it in their system. I first contacted Experian, XXXX, XXXX, and the lender XXXX on XXXX, upon seeing they reported incorrect information on all three of my credit files, which also drastically dropped my credit scores. Upon a completed investigation, XXXX and XXXX concluded my complaint was true/valid, and updated both credit filesremoving the 30 day late report from XXXX XXXX, to on-time payments. While Experian concluded that the lender said the 30 day late remark was accurate, leaving the derogatory/false reporting on my report. While checking the status of my dispute on my Experian credit file, I noticed that not only the remark I had disputed was still on my report, but a second late remark was added to my Experian report from XXXX XXXX on XXXX. Although on all three credit reports, it now shows that my old car loan with XXXX XXXX is paid off and closed, also shows the finance company ( XXXX XXXX XXXX ), for my new vehicle has been added. So I have no understanding why Experian or XXXX XXXX is still reporting late payments on my old car loan. I even called to speak with both companies and was rudely brushed off by Experian and told they couldnt do anything because XXXX XXXX reported the late payments as being accurate, yet XXXX XXXX insisted everything is updated in their system, even sent me a letter. Being that the other two credit bureaus found the 30 day late report to be inaccurate, not allowing another late payment to be placed on my credit report, it seems Experian isnt following proper protocol, adding false information to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get this fraud account taken off my credit and I dont know why the credit bureaus haven't taken it off yet when I have sent multiple letters to them about it. I sent a letter back on the XXXX last month in XXXX and I attached the document of the original letter as well. It looks like it was opened XX/XX/2019 with a balance of {$120.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted branches investigation departments as well as the Social security administration for protection and to report abuse, the abuse is currently still ongoing, in which has now affected my children.
Product: Checking or savings account

XXXX when you buy on line holds the pre-authorization for 10 days. So they usually put the purchase through the next day and take the money out of your account but also keep the pre-authorization hold which also takes the money out of your account wrongfully after they have been paid. 
XX/XX/XXXX {$100.00} pre authorization, got paid next day {$100.00}, but kept pre-authorization hold on account taking another {$100.00} for day days XXXX XXXX XX/XX/XXXX spent {$900.00} at XXXX and they took pre-authorization. Next day they ran purchase and took the money out of the account on the XXXX, small amount and XX/XX/XXXX {$850.00}. After being paid in full XX/XX/XXXX they still kept the pre-authorization hold on my checking account deducting a second {$850.00} from my checking account until XX/XX/XXXX. 
I bank at South State in XXXX Florida and the bank said they could not take the hold off, XXXX has to. I called XXXX XXXX XXXX and they said the bank puts it there. My bank told me not to use the bank debit card at XXXX cause they are double dipping. When you call XXXX and ask them how long they keep a preauthorization hold on your debit card they say 7 days. In my case its been 10 days. 
The same thing happens to my friend XXXX XXXX when he shops on line at XXXX and he banks at XXXX  XXXX. Plus my friend XXXX XXXX when she shops online at XXXX they hold her preauthorization for 10 days after they have been paid and she banks at XXXX. The complaint is that XXXX holds the pre-authorizations for 10 days after they have been paid when the preauthorization is nolonger valid
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Dispute this account with original creditor and they have response back stating they don't have an account in my name therefore unable to verify this account. However the credit bureaus XXXX XXXX and Equifax wont delete this unverified account. I have enclosed proof i don't have an account with XXXX XXXX
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 XXXXXXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX  Account # XXXX The above accounts have violated my rights according to 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. This means that the credit bureau is willing and knowingly reporting inaccurate information to my report. The attached shows the inaccuracies. This needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I wrote and mailed Experian asking that they investigate and remove the negative items that are on credit report. As a consumer I have rights and understand the laws that apply to me. Today marks XX/XX/2023 and as I have pulled my report once more nothing has been done about this matter. I am beyond furious with this company as they aren't complying with their own policies and procedures. The deadline was XX/XX/2023 to investigate my report and remove those items, however it has not been completed in the timely manner now I am demanding that each item I listed negative on my credit be removed immediately or my next step is go file an official complaint with the State Attorney General 's Office
Product: Checking or savings account

On XX/XX/2024 I received a mail notice that a $ XXXX XXXXmonth CD held at Greenstate Credit Union had come to maturity a few weeks before, and had been automatically renewed into a longer tier, lower rate CD. Per the CD contract we should have received, via mail, a maturity notice -- as we have in the past with other CDs with the institution. Attempts to discuss with Greenstate over their member secure chat, over the phone, and finally over email with their Member Assistance Center Service Supervisor all lead to them saying that they mailed a notice to us, and since we did not respond within 10 days of maturity they rolled our account over ( per contract ) and it would be an on the order of {$400.00} penalty to regain access to these funds ( in their stance, " break '' the new CD ). We did not receive the maturity notice, and Greenstate can not provide any evidence of delivery of the notice beyond stating the USPS indicating it reached to within our zip code. They indicated an email was also sent ; however, in reviewing retrospectively there was not indication of relevance to the CD, and likewise this is not listed as a contact mechanism in the CD agreement itself. Thus, we are now faced with having a sizable holding locked in an account with a rate or term we would never have considered, or having to pay a penalty to regain access to our funds.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for failing to respond to two certified dispute letters that I sent regarding unauthorized inquiries and incorrect personal information on my credit report. Both letters were sent via certified mail and received by Experian on the following dates : First Letter : Tracking number XXXX, received by Experian on XX/XX/2024.

Second Letter : Tracking number XXXX, received by Experian on XX/XX/2024.

Despite receiving both letters, Experian has failed to respond or take corrective action, violating the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i, which requires credit reporting agencies to investigate and correct disputes within 30 days. Additionally, this lack of action may constitute a violation of Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) under the Dodd-Frank Act, 12 U.S.C. 5531. 

I will upload the proof of certified mail and delivery to support my claim. I request the CFPB 's assistance to ensure that Experian complies with their legal obligations and rectifies these issues immediately.
Product: Student loan

The information shows that the account is placed as a in collection or charged off. This information is very inaccurate because I was considered XXXX XXXX XXXX XXXX XXXX XXXX by the Veterans Affairs. I did all the required documents so it was placed as a loan forgiveness.
Product: Checking or savings account

Good afternoon, I am the owner of the company XXXX XXXX XXXX, incorporated in the State of Florida on XX/XX/XXXX. 
He had a checking account at Bank of America, which was closed due to his unilateral decision and notified to the company by communication dated XX/XX/XXXX, reference case # XXXX. 
In the communication they do not indicate the cause, motive or reason that produced the decision to close the account, but they do inform that " if your account has a balance after closing, we will send you a check in the name of the account holder ''. and send it by mail to the address that we have registered '', so that at the time of closing the account the balance was {$65000.00}, an amount that after more than 1 year and 10 months has not been returned to me, even though I have carried out multiple procedures before the Bank 's Customer Service and Risk Departments, all of which were unsuccessful. 
The Bank has withheld the company 's funds improperly and indefinitely without even giving a formal explanation beyond that the account is " under investigation '', which is the response given by the Bank 's representatives who have answered me by telephone. 
The retention of funds for more than 22 months has caused damage to the business of the company by being prevented from fulfilling its commitments to pay and purchase merchandise.
Product: Mortgage

I bought my house in XX/XX/2005 with a VA home loan for a 30 year mortgage. My wife usually handles the house payments but recently I looked at one of the statements to see how much we have paid down on the mortgage since we have been here for almost have the 30 yr term. When I looked at it I noticed that they had down on the statement that we had a 40 yr mortgage. I told them this was wrong and that I wanted a complete copy of all paperwork involved in this. By law, VA home loans are only authorized for 30 yr mortgages and Wells Fargo is in violation of this. I never recieved any paperwork from them and to this day have still not recieved any explanation to this.
Product: Credit card

I removed an authorized user from my account but chase kept their card active and charges Im not making are still showing up. Mind you, I removed them, the card number was also changed, since Chase gives everyone the same card number on the account, they are not authorized to be doing that yet chase is allowing it. They told me to contact the merchant about it even though the merchant will not speak to me since its not my account, its the authorized users account with them. Chase is holding me responsible for these charges even though no one is authorized to spend on my account. This is against the card member agreement, and my billing rights.
Product: Credit reporting or other personal consumer reports

Ive sent multiple letters to XXXX and Equifax regarding negative accounts on my profile. They arent responding. 

Acct. # : XXXX Furnisher Name : XXXX XXXX This is not my credit account. Can you verify if my name has been mixed up with someone other than me please and then erase this component from my credit file. 
Acct. # : XXXX Furnisher Name : XXXX XXXX did you overlook my letter last month? This is not my collection. Kindly check into and erase this component from my credit report. 
Acct. # : XXXX Furnisher Name : XXXX  How can you ignore my letter the previous month? This can not be my collection tradeline. Respectfully examine and erase this item from my account. 
Acct. # : XXXX Furnisher Name : XXXX How can you avoid my dispute the previous month? This is not my collection account. Respectfully examine and eliminate this bit from my credit account. 
Acct. # : XXXX Furnisher Name : XXXX How could you ignore my dispute the previous month? This can not be my account. Please check into and expel this component from my file. 
Acct. # : XXXX Furnisher Name : XXXX How could you overlook my dispute last month? This is not my tradeline. Respectfully review and get rid of this bit from my credit record.
Product: Credit reporting or other personal consumer reports

After I forwarded a copy of the FTC report, it became apparent that XXXX credit bureaus are not obstructing records. I'm sending this complaint to help with the legal response because it's required under FCRA regulation 605b. I will provide over my archives to my lawyer so that they can start a legal action if you choose not to impede the associated items listed below that are providing incorrect answers due to fraud. As it is not my intention to pursue any lawful activity, please abide by the law if it is not too difficult. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had two late payments on an that I in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments, I've attached a copy of my report to this complaint. Im now requesting you investigate this account and update these payments to paid on time thank you for your understanding and prompt action.
Product: Checking or savings account

In XX/XX/XXXX, due to continuing problems with fraudulent attempts to obtain credit using my name and social security number, I froze my credit at all three credit bureaus. On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX, a debt collection agency, claiming I owed them {$630.00} for a transaction using a debit card at XXXX XXXX  XXXX, where I have never been. When I called them, they informed me that the transaction used a Capital One debit card. I then called Capital One and was informed that they had opened an account using my social security number and the name " XXXX XXXX '' ( I am XXXX XXXX ), but they could not explain why this account was opened despite the credit freezes in place, nor would they tell me which of the credit bureaus had given them the approval to do so.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX