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

I am filing a complaint due to several unauthorized credit inquiries that appear on my credit report, which I am requesting to be removed. After contacting the creditors responsible, I was informed that they have no evidence that I initiated these inquiries, nor do they have any written or verbal authorization from me, nor a permissible purpose as required by the Fair Credit Reporting Act ( FCRA ).

These inquiries were made without my consent, and I have requested that the involved credit bureaus Transunion conduct a thorough and manual investigation. However, these bureaus often rely on the EOSCAR system, which has been noted by the CFPB as insufficient in cases where verifying authorization documents requires a manual review.

I have invoked several FCRA provisions that support my request for deletion, including : 1. Section 604 ( Permissible Purposes ) : These inquiries do not meet the permissible purposes specified.

2. Section 611 ( Inaccurate or Unverifiable Information ) : I am requesting these inquiries be deleted as there is no verification or documentation supporting their inclusion in my credit report.

3. Section 609 ( Right to Access and Verification ) : The FCRA mandates that each inquiry on my report must be verifiable by an original contract or evidence of my consent, which is not present in this case.

4. Section 623 ( Responsibilities of Information Providers ) : Information providers are required to ensure the accuracy and authorization of reported information, which these inquiries do not meet.

5. Section 605A ( Identity Theft Protection ) : Should these inquiries relate to identity theft, I am requesting their deletion under this protection.

Additionally, I reference the case XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ), where the XXXX XXXX ruled that accessing a credit report without a legitimate purpose or the consumer 's consent constitutes a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few questions about inquires on a credit report. Is it true that in order to pull someones credit report, you need permissible purpose to do so? If that is the case, then why did the company below pull my credit report without my authorization? 

XXXX XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX  XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX  XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 
XXXX  XXXX  | XX/XX/2019 N/A I never authorized these inquiries. 

From my understanding, that is against the law right? Because I did not authorize the companies above to pull my credit report, please delete these inquiries today. 
Thanks
Product: Payday loan

The Eastbrooke Group, llc has contacted me and used fraudulent tactics of jail and charges against my name and social security number to get my debit card information to collect on a debt at 10 years old. Everywhere I 've researched this is a scam. I 'm concerned that my identity will be compromised.
Product: Credit reporting or other personal consumer reports

Capital One has reported that there was a balance owed for a charged off amount that was incorrect by admission of their own reporting and accounting ( per correspondence and repeated reporting month to month. Per my rights of 15 USC 1681 ( b ), I have the right to have accurate and truthful information reporting and being furnished as I am a federally protected consumer with rights of both privacy of personal information according to the privacy act of 1974, and to have my transaction history being reported without my consent as well as blatantly reporting inaccurate information knowingly. ( PLEASE SEE Attached Documents ).
Product: Debt collection

An unidentified law firm representing GE Money Bank called from a blocked number stating their processor has failed at delivering documents pertaining to a civil suit case that is being handled by said firm. The person with whom I spoke said her name was XXXX but did not give any information about the firm she was calling for or give me any contact information. She threatened that her firm was going to follow through with a civil suit to obtain a default judgment. The account in question is not mine and I have no knowledge of this account 's existence. XXXX stated the account was closed XX/XX/XXXX, meaning that the statue of limitations to sue expired XX/XX/XXXX. Upon bringing this fact to her attention, she continued to threaten me that they were still going to follow through with the suit. She hung up without any further correspondence. I was never told where this case would be filed, nor how to get in contact with anyone to investigate the matter further. This account has never appeared on my credit report, nor have I had anyone in the past make any attempt to contact me.
Product: Credit reporting or other personal consumer reports

I have never went to court on any of my evictions and I was never served papers.
Product: Checking or savings account

Original complaint that Google was charging for ad placements and running ads before approval of ads across various social media platforms. These product ads were being rejected across social media platforms as incomplete, disapproved, unverified, or rejected and linked to Google Ads platform. Google ran those ads knowing and ignoring these ads were listed as incomplete. 

Google uses small business ad placements as place holders or proxy ads for big business to target ad promotion and or dominate ad placement. 

Google uses ad manipulation to favor big business while small business experience little or none in gain, profit, or return on investment. 

Google fails to secure privacy information. 

Google has caused suspension of all social media and eCommerce platforms such as XXXX, XXXX, XXXX, XXXX, XXXX, and others search engine platforms. 

Google is limiting the exposure to the business site and requesting payment method be added after offering the deception that the business site could be promoted free while limiting exposure ; ( XXXX XXXX XXXX/ ) Google uses its header tag code algorithms to track and identify placement of ads for profit. 
Google is not a search engine. 
Google is an Internet marketing service.
Product: Debt collection

On XX/XX/XXXX Bank of America without notifying me placed a DEBIT/HOLD ( their description ) of XXXX for XXXX  from the State of Massachusetts. The XXXX from the State of Massachusetts was for XXXX and as of XX/XX/XXXX Payment in full has been made to the State of Massachusetts.
Product: Checking or savings account

Bank of America is holding my money without explanation since XX/XX/XXXX. I have no idea what to do because I have gone into the bank and spoke with the Relationship Managers who also received the same " stock '' explanation. 

XX/XX/XXXX Deposited check for {$16000.00}. It was considered a third party check because the homeowner and myself had to sign. 

XX/XX/XXXX Funds were released. I paid my real estate taxes {$10000.00} and small business bills. 

XX/XX/XXXX I repaid loan a {$3000.00} from family member who had helped me through several months. They then placed a XXXX hold on my account. I contacted them and was told it was due to fraud. I initially thought it was because of the large amount I paid in taxes. I was told by a member of the fraud department to call on Saturday to see if they had reviewed.

XX/XX/XXXX - I called and was told it takes 24-48 hours and call back on Monday. 

XX/XX/XXXX - I called in the morning and was told it was still under review by upper management and to call back after XXXX XX/XX/XXXX - Same as XX/XX/XXXX. 

XX/XX/XXXX - Same as XX/XX/XXXX. 

XX/XX/XXXX - Was told it was escalated to upper management and it would take 24 hours. 

XX/XX/XXXX & XXXX, XXXX - I contacted the fraud department again with my frustrations. They were clueless and could not understand why it was still under review. 

When I review my account online, it says I will received a letter in the mail stating when my funds would be available. I have yet to receive that letter. I just would like my money back so that I will bank elsewhere.
Product: Checking or savings account

Around the end of XX/XX/, Citi Bank froze my bank account, which was the 2nd time that they have done so in the past 12 months ; The first time it took the bank nearly 4-5 months to provide access to my funds, in spite of their promise of 30-60 days. The most recent time, Citi held my funds for 4 1/2 months, which was far beyond their legal requirements. As a result, I was unable to make payments on my Citi Best Buy Credit Card during this period of time, as Citi was illegally withholding my rightful funds and did so for far longer than their own stated timeframe. Citis response was that my account was CLOSED on XX/XX/XXXX, so bc they returned my funds in XXXX ( which was still beyond 60 days ), then that meant they were within their rights. However, it took CitiBank nearly 3 months to close my account while withholding access to my funds the entire time without even providing a notice as to why my account was frozen - nor did they provide any details as to what I needed to do to remedy the matter or when I could expect to receive my funds. I had to make several phone calls to find this out on my own & I was simply told that I would receive my funds within 30-60 days from the day MY ACCT WAS FROZEN, not from the day THAT CITI DECIDED TO CLOSE MY ACCOUNT. Citi continues to do this to thousands of customers with impunity & they have now caused my credit score to plummet twice in a matter of 12 months all bc they think it is ok to withhold their customers money that is the customers rightful property. Citi closed my CitiBank Best Buy credit card and charged off the full balance after I had never had even a single missed payment for over 7 years of having that credit card. The only late pmts we have ever had were those that were a result of CitiBank withholding the entirety of our funds from our checking account. Citi has held tens of thousands of dollars of my money for 9 out of the past 12 months and they did so with impunity. I will be retaining counsel if Citi doesnt rectify this matter immediately.
Product: Credit reporting 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. 

XX/XX/XXXX, US DEPT OF ED/XX/XX/XXXX 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 a 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: Credit card or prepaid card

I am writing to express my displeasure as to the manner in which Bank of America has handled my dispute regarding an erroneous charge of {$1000.00}, that has been posted to my account. I have provided very clear, documented proof to BOA on multiple occasions that the charge was invalid and should be reversed. At no point has any evidence of such alleged purchase been forthcoming, other than its appearance on my statement. Dispute actions have resulted in unable to approve your fraud claim. On several occasions during the intervening months Bank of America has exercised our right to recover the debt by withdrawing [ funds ] ( various amounts ) from my attached checking account. Each time I communicated with BOA about this, I was told to pay nothing while it was in process, and that it would be resolved. To date, I have only non-resolution, constant run-around, removal of funds, and countless wasted hours on this matter. I should also point out that I have visited my branch of BOA several times and at the last visit, the Branch Manager said she was shocked at the manner in which my claim has been handled. I ask the CFPB to help to resolve this matter. I did not make or authorize this charge. BOA refuses to provide any underlying information regarding the transaction as they say I am not entitled to see it. I dont think senior citizens should get this type of runaround treatment and I ask the CFPB to have the charge reversed, all interest and fees reversed and my funds restored. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX I submitted a dispute request to XXXX  re : a debt showing on my report. The company XXXX XXXX XXXX  XXXX XXXX XXXX XXXX was a defendant in a class action lawsuit ( case no 3:19-cv-293 in the Eastern District of VA court ) . This class action lawsuit court docket states on page 2 section 3 that the suit applies to all consumers in the United States with loans that originated from XX/XX/XXXX to XX/XX/XXXX the loan I had originated in XX/XX/XXXX. Section 13 e of the court docket states that information will be removed from consumer 's credit reports- this case was settled on XX/XX/XXXXXXXX This information has been removed from my XXXX and XXXX file already but not my XXXX file- XXXX  has stated the creditor states the information is valid and per the outcome of the lawsuit - it is not I submitted a complaint to the XXXX also in early XXXX - again this account was to be to be removed from my credit profile due to a settled class action law suit- any account issued prior to a certain date would be forgiven due to the companies unfavorable lending practices. The company stated they would repurchase the debt from the collection agency and then retire the account. To date this has not occurred and the item is still appearing on my credit report. I have contacted the company numerous times- they always state they will request the update again. It is now going on the end of 3 months with no resolution. This is a copy of the e-mail from the company : Help at XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX Dear XXXX, XXXX has received a copy of the complaint that you filed with the XXXX. At XXXX, we have high standards for customer service and take your complaint very seriously. Having reviewed the complaint, we understand your concerns regarding the credit inquiry with XXXX. In accordance with our customary practices, XXXX sold your loan on XX/XX/XXXX, to an independent third party ( debt buyer ) unaffiliated with XXXX after not receiving a payment from you in over 90 days. We never received a payment. XXXX sold and transferred to the debt buyer all of our rights, title, and interest in this loan and has not attempted to collect on this debt since the date of the sale. However, due to your concerns, we have requested to buy back your account from XXXX XXXX XXXX XXXX Group. Once this is complete XXXX will retire the account. We have also reached out to XXXX and they have confirmed that the inquiry for loan XXXX has been removed. If you have any questions, please contact me at XXXX. Sincerely, XXXX XXXX Contact Center Supervisor XXXX XXXX
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 XX/XX/XXXX -- {$0.00} XXXX  XXXX # XXXX XX/XX/XXXX -- {$5800.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$110000.00} XXXX XXXX XXXX  # XXXX XX/XX/XXXX -- {$91000.00} XXXX  # XXXX XX/XX/XXXX -- {$160.00} XXXX  # XXXX XX/XX/XXXX -- {$160.00} XXXX  # XXXX XX/XX/XXXX -- {$420.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX XXXX XXXX  XXXX XXXX XXXX Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) XXXX XXXX. XXXX et seq., I demand an immediate investigation and removal of this erroneous account within XXXX ( XXXX ) days, or I will pursue legal damages under XXXX U.S.C. XXXX and XXXX for willful and negligent noncompliance. 
Inaccuracies and Violations : Charge-Off Status and Balance Discrepancy The account is reported as " charged off '' with a balance of {$3700.00} while also showing " {$3700.00} written off. '' This is contradictory and violates XXXX XXXX. XXXX ( b ), which requires credit bureaus to maintain maximum possible accuracy. 
Incorrect Payment History The report reflects ongoing charge-offs in XXXX and XXXX despite the account status being closed in XXXX. Reporting charge-offs post-closure is inaccurate and misleading. 
Unverified Ownership and Account Closure Reason The comments state that the " Account closed at credit grantor 's request. '' However, no proof has been provided that XXXX XXXX XXXX  had the right to continue reporting past the account closure date. 
Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under XXXX XXXX. XXXX ( a ), I demand the immediate deletion of this erroneous account. 
Resolution Demanded : Permanently remove this account from my credit report. 
Provide written confirmation of removal within XXXX ( XXXX ) days. 
Cease further reporting of this inaccurate information to avoid further legal liability. 
Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within XXXX ( XXXX ) days from the receipt of this letter. 
Sincerely, XXXX XXXX
Product: Debt collection

The XXXX XXXX  of XXXX & XXXX have been constantly sending me letters, certified mail and phone calls to collect debt. I advised the multiple times that I do no have the full amount to pay back but I can set up a payment arrangement. Each time she denied my payment arrangement saying that is unacceptable. It has become harassment because of the high volume of letters and calls along with the threats and judgements to levy my bank accounts. I have made attempts to make payments but they refuse my offers. It is causing me stress due to the liens and communications sent to my banks and employers. The law office has also added on additional legals upon ones already added. This has caused even more hardship because now I owe more more than I did before.
Product: Checking or savings account

My checking and savings account were frozen. CapitalOne claims that there are fraudulent transactions in XXXX of my personal accounts. I explain how I used my personal account and they refused to remove the block. I asked for a case number and timeline to resolve. None of those were provided. I need to have access to my funds, it is putting me in a really critical situation to make ends meet. I have a long history of good credit and business credit with them. I am totally puzzled about this situation. Please help.
Product: Debt collection

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX for their failure to remove a derogatory account from my credit reports as agreed. On XX/XX/year>, I submitted a CFPB complaint regarding this account, and on XX/XX/year>, XXXX XXXX XXXX responded, stating that they would remove the disputed account from both my XXXX and XXXX credit reports. 

Despite this written commitment, the account remains on my credit reports to this day, continuing to negatively impact my credit score and financial well-being. This delay and failure to act is completely unacceptable, especially considering that they explicitly confirmed the removal of the account. 

I am demanding that XXXX XXXX XXXX immediately remove this account from my credit reports, as previously promised. Failure to do so will result in further action, including but not limited to filing additional complaints with the CFPB, and escalating this issue to ensure compliance. 

I trust that this matter will be addressed urgently, and I expect written confirmation once the accounts have been deleted.
Product: Credit reporting

Inaccurate information reporting on my Experian and XXXX reports, this item was removed from my bureaus and now has come back from another collection agency as XXXX
Product: Debt collection

my husband and I were sent to collections for the amount of {$1800.00} and is currently accruing interest which amounts to XXXX as of XX/XX/2019. We have attempted to resolve this issue with the apartments by personally talking to the manager of the apartments for our first attempt, then continuously calling them after that. There were different managers every time we talk to someone. They would always say that they will send us emails as to what the charges were for but we have not received any kind of communication from last year until the present. So we do not know what the charges are for. They have our current email addresses and contact details but we have no communication of any kind from them about this debt that we supposedly owed. This debt collection report is now affecting our credit score. Thank you. Company is XXXX XXXX XXXX and is currently given to IQ Data International.
Product: Checking or savings account

My husband and I have a CD in Capital One bank that will mature on XXXX XXXX. We wish to cash out the CD, at maturity on XXXX XXXX, XXXX, and have the money sent to one of two external banks that are linked to the CD account. Capital One has told us that they will not do this due to a restrictionon our account. The nature of this restriction or why it is in effect Capital One would not explain to us. We have had previous joint CDs in Capital One without any problem. 
We have been aware of the restriction for a couple of weeks and have tried to have it lifted. Apparently this has something to do with me adding my husband as joint owner of the CD after opening the CD. My husband had a lengthy back and forth with Capital One over the phone. They did not like that his cell phone is a corporate one and is not in his name. They asked for a photo of his drivers license. My husband at age XXXX does not have the most steady hands and the image was rejected. The next day we faxed a high-resolution scan of my husbands drivers license to Capital One. This did not help. 
Preferably we would like this to be resolved by XX/XX/. 
It is our right to close the CD and receive the full mature value of the CD on XX/XX/.