23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They keep calling, even though I don't have any history with them. 
Calls from 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 am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke to TransUnion today. Informed them that a fraudulent inquire has appeared on my credit report, dated XX/XX/2022 from XXXX XXXX. Explained that I was on vacation and just returned to be alerted of the fraudulent inquire. The representative told me there was nothing he could do. I explained the inquire was fraudulent and asked for an investigation to have it removed from my report, as the security freeze was not stopping people from trying to access my account. I asked for a special password or code to block further fraudulent activity. The representative said there was nothing they could do. This is wrong on so many levels and I am demanding TransUnion work to remove this fraudulent account, as I have been a victim of fraud over the past ten years.
Product: Checking or savings account

My complaint involves Key Bank 's refusal to reverse two ACH transactions that I immediately reported as fraud. On XX/XX/2021, I was defrauded via a telephone call that purported to be from my electric utility company, XXXX XXXX, Ohio. The caller ID indicated XXXX XXXX. A gentleman told me that I was on a disconnection list for that day for an outstanding balance. I questioned him because I had just received a bill and it was not yet due ( and there was no outstanding balance ). The man gave me his " badge number '' and said it looked like the outstanding balance was from an old account. Coincidentally, about 2 months prior, I paid an outstanding balance from a very old account, so the explanation sounded somewhat legitimate. He told me that in order to avoid disconnection, I had to submit a XXXX payment. I actually said " How do I know you're not scamming me '' to which he replied " We are not asking for your credit card number ''. He also let me speak to his supervisor, who was equally as polished and convincing. So, I made a XXXX payment in the amount of {$280.00}. I then received a call from the supervisor who indicated that the prior rep charged me incorrectly, so they reversed the XXXX payment. He asked me to do a second payment in the amount of {$210.00}. So, I made the payment. I then realized it was fraud and challenged the guy. He hung up. I immediately called Key Bank, told them what happened, and requested that they reverse the ACH transactions. They refused to do so. It happens that I am an XXXX XXXX XXXX XXXX, so I am aware that the Bank could have reversed the ACH.
Product: Credit reporting, credit repair services, or other personal consumer reports

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
Product: Debt collection

On or about XX/XX/XXXX Regional Acceptance Corp reported to all three Credit Bureau 's erroneous information that favored them. I financed a vehicle for {$17000.00} and on XX/XX/XXXX my vehicle was taken from my apartment complex without warning or any type of written/verbal communication. After repossessing the vehicle I did not receive any documentation and they proccessed to sell the vehicle in a auction without notice and did not inform me of anything. I had to call them to find out what was going on. For several months they wrongly reported the original amount and cause me severe fianiacial hardship. In an attempt to ensure I am in complaiance I reached out to Regional Acceptance Corps for the 1099-C since I never received it and it was charged-off. I am seeking justice for all of the 4 years of mental and financial damage due to malpractice.
Product: Payday loan, title loan, personal loan, or advance loan

They refuse to adjust payment schedules. I've had support lie to me everytime I tried to get it fixed. They will then not cover the overdraft fees They cause. Never once have I received accurate information. They also claim they can assist with adjusting dates but never will.
Product: Credit reporting, credit repair services, or other personal consumer reports

Identity Theft account opened under my name with   XXXX   XXXX  . I contacted the creditor and mailed over certified letters but I got no response back through the mail and my certified receipt was n't signed back and sent to me. I 've been waiting for   XXXX   XXXX  , Equifax,  XXXX ,  XXXX  to send me any verifiable documents showing my name, or signature and they have n't for more than 45 days ago. I am truly fed up with these companies. I have several fraudulent accounts listed on my credit report on all   XXXX   credit bureaus. I have no acknowledgement of these accounts and I 've been alerted by credit karma that my score has been declining, and the accounts we 're opened without my consent.
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Equifax 1.   XXXX   XXXX    XXXX  accounts 2.   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX    XXXX  1.   XXXX   XXXX   2.  XXXX  3.   XXXX   XXXX   XXXX   4.   XXXX   XXXX    XXXX  accounts  XXXX  1.   XXXX   XXXX   XXXX   2.   XXXX   XXXX   XXXX   XXXX   3.  XXXX  4.   XXXX   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like CREDIT BUREAS to review the docket number and type of public record because I have a feeling it is violating the Fair Credit Reporting Act. I inform Credit Bureaus by sending them certified mail on XXXX XXXX but no response until this day XXXX XXXX. Please remove this public record for violating the Fair Credit Reporting Act. 

Bankruptcy XXXX XXXX-discharged US BKPT CT FL XXXX Filed XXXX XX/XX/2021 Reference number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I requested Experian investigate the XXXX XXXX account ( XXXX ) that is reporting as a CHARGE OFF on my credit report. According to my credit report, the account was last updated XX/XX/XXXX. Meaning that Experian has never investigated the account once the dispute was initiated. This is a violation of the FCRA.
Product: Credit reporting or other personal consumer reports

XXXX, Transunion and XXXX are reporting collection accounts on my credit report from collection companies who are not authorized to collect in the state i reside which is North Carolina. Furthermore these 3 credit reporting agencies have failed the grave responsibility imposed upon by Congress of the FRCA, 15 USC 1681 Sec. 1681. Congressional findings and statement of purpose ; 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 

( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.

Also, Might, I add the 3 credit agencies have also violated my right to privacy.I believe is in violation of my right to privacy as outlined in the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1681. 



Specifically, I did not provide written instructions to authorize the reporting of certain information on my credit report. 



IN ACCORDANCE TO THE WRITTEN INSTRUCTIONS AS TO WHOM IT RELATES, I DIDNOT PROVIDE WRITTEN INSTRUCTIONS FOR THESE ACCOUNTS TO BE ADDED ONTO MY CREDIT REPORT. 



DID YOU THE CREDIT REPORTING AGENCY ENSURE PERMISSIBLE PURPOSES WERE GRANTED BEFORE REPORTING THE ACCOUNTS? 



WHAT DOCUMENTS DO YOU HAVE TO SHOW PROOF PERMISSION WAS GIVEN TO REPORT THESE ACCOUNTS? IF NO PROOF CAN BE SHOWN THEN THESE ACCOUNTS XXXX RECORDS WERE REPORTED WITHOUT CONSENT. 



WHERE ARE THE 3 DISCLOSURES STATING I GAVE PERMISSION FOR THE ACCOUNTS TO BE REPORTED?

NO CONSENT IS IDENTITY THEFT, AS IT RELATES TO PERMISSIBLE PURPOSES.

YOUR COMPANY IS IN VIOLATION OF SEVERAL CONSUMER LAWS.

PER 15 USC 1681 A ( 4 ) RIGHT TO PRIVACY. I DIDNOT GIVE ANYONE PERMISSION TO SELL MY INFORMATION TO A 3RD PARTY.

YOUR AGENCY DIDNOT EXERCISE A GRAVE RESPONSIBILITY TO PROTECT MY PRIVACY AND ESSENTIALLY VIOLATED MY RIGHTS ACCORDING TO 15 USC 1681 A ( 4 ). I DIDNOT PROVIDE ANYONE WITH PERMISSION TO REPORT THIS INFORMATION. AS A CONSUMER THIS IS A FEDERALLY PROTECTED RIGHT TO NOT HAVE THIS INFORMATION DISCLOSED ON MY CREDIT REPORT AND I AM DEMANDING TO HAVE THE FOLLOWING ACCOUNTS AND RECORDS REMOVED FROM MY CREDIT REPORT IMMEDIATELY.

PLEASE REMOVE THE FOLLOWING ACCOUNTS AND PUBLIC RECORDS FROM MY CREDIT REPORT IMMEDIATELY. 

XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX Opened XXXX {$130.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX  XXXX Balance : {$300.00} XXXX XXXX XXXX Balance : {$0.00} XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

Robinhood seems to be in a XXXX XXXX position. I say that from the way they conduct their business and treat their customers. It's obvious to see that the company is in trouble and the employees their can care less of their clients needs or lives for that matter. I've complied with all I was asked of. My account and funds has been restricted since before XXXX. Because of this along with all the other scam company 's ( XXXX ) out there stealing people 's money. I knew I didn't want to continue my relationship with Robinhood, And I mentioned as much. So when they deactivated my account. I was fine with it. But I've tried XXXX or XXXX different times to transfer my brokerage account to a Broker more qualified and less abusive, but they keep coming back as rejected. My new broker tells me to initiate the transfer again, after talking to Robinhood. My account was restricted. Now it's deactivated. So my business with this Greedy disaster of a company is done, Or so it should be. I dont understand how can a company get away with being so terrible to consumers and still expect to stay in business. Things have really changed in XXXX. I would like to transfer my account from Robinhood. Their name fits them well. And because of their data breach. I have been dealing with all sorts of unexplained negativity concerning my profile and assets. I don't want to be a victim of their possible bankruptcy ploy thT is ever so popular now aways.
Product: Credit reporting or other personal consumer reports

I did not authorize none of these credit inquires i want them REMOVED. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 just recently looked at my credit report on XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached evidence. 

XXXX. XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX XXXX, XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b. 

XXXX. XXXX XXXX XXXX - XX/XX/XXXX : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  sold my account to XXXXXXXX XXXX!!! 
Therefore XXXX XXXX also charged off the account XXXX Which means they owe me an XXXX!!! 
XXXX, rep XXXX stated, they decided not to deal with the collection and closed the account!! ( XX/XX/ ) Therefore 2 situations that verify the Removal of XXXX XXXX!!!
Product: Credit reporting or other personal consumer reports

Requested a free credit report from Transunion, as well as, ALL information based on the credit account ( transactions, affiliates, non-affiliates, processes, etc. ) Have not received any information upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I noticed that my credit score had dropped XXXX points. I found that Covington credit had opened 4 accounts. After speaking with them I was told they did not know why and could do nothing about this. The last time I had business or any communication with covington was XX/XX/XXXX. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a inquiry on my credit report that I did not authorize nor give written consent for. I want this deleted immediately. The inquire is from a credit reporting agency named XXXX. I demand this be deleted.
Product: Mortgage

XXXX acknowledges my signature is not on the mortgage note that originated in XXXX and has escalated the matter to XXXX XXXX XXXXXXXX, which has been unresponsive to these entreaties. XXXX XXXX XXXXXXXX continues re-reporting this mortgage, further harming my XXXX XXXX. I have never been late on a payment, yet my XXXX XXXX is negatively impacted by late payments attributed to XXXX XXXX, a high balance that exceeds the original credit limit, and now, his foreclosure. 
Request for Information : I, XXXX XXXX, kindly request written documentation from XXXX regarding the following : 1. The federal and state lending guidelines that confirm it is permissible under Maryland law, as well as the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ), not to require the signatures of all borrowers listed in a loan modification who are also named on the original note. 2. Proof that it is permissible to modify the terms of a loan, increase the balance, extend the term, and transition from a conventional loan to a Balloon loan without obtaining the consent of the borrower named in both the original and modified note. XXXX. XXXX claims they have no tracking of the letter sent to Bank XXXX XXXX in XXXX of XXXX, which is concerning considering this was such a significant error. I request new correspondence be sent to XXXX XXXX XXXXXXXX confirming this unlawful error immediately, as they currently hold the unexecuted note that XXXX originated without my consent, knowledge, or signature.
Product: Debt collection

The company who left a viocemail didnt identify, just said they would file against my social security number, called back to ask for company name, person kept hanging up and said not to call unless I am ready to make a payment. Finally got ahold of someone with the company told me the company is called XXXX and they are based out of XXXX Texas calling regarding a debt from Bank of America, they would not provide any license number for the company or debt collections. 

I told them this 'debt ' was settled with Bank of America XXXX BOA XXXX years and years ago. They told me because I called them back I agreed to pay the debt. I told them that is incorrect. 

While I was on the phone with FTC Texas XXXX and Texas XXXX, this bogus company is calling ALL of my relatives. Based on XXXX office and XXXX, this business is not registered with the state or the county, as required by law. 

I can not get them to stop calling my family and every time I contacted the number listed on their website I was told no one is available to talk. They are harassing me and my family and threatening bogus filings which I was told is illegal to 'file ' anything against XXXX 's social security number. 

I want this company to leave me alone and stop the threatening harassing and illegal contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent a letter regarding inaccurate on my credit report to this day over 60 days later I have not received a response yet. I feel like I am being ignored and my disputes not being acknowledged.
Product: Credit card

For several months I have received 2-4 calls per week!, requesting me to apply for a credit card, usually ending with " This is last and final notice. '' But it is n't 'last ' or 'final ' because they continue to plague me. The company is Carnival Credit Card Services, which from the internet, indicates Barclay Bank. I have never requested nor am I interested in their credit cards. How can I insist they stop calling my phone number. I work at home, and it 's a great inconvenience to get up from my desk and answer this call. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

I'm not swayed that Bureau efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureau is reporting inaccurate information on ACIMA CREDIT XXXX XXXX XXXX Balance {$1600.00}. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 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 am filing a complaint against Equifax for failing to properly Investigate my disputes regrading inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 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. 2025-CFPB-0002 ) against them for similar violations. I request that CFPB take action to ensure Equifax complies with the necessary proof of investigation. Accounts are listed below. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Amount : {$6700.00} Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Amount : {$110.00} Account Name : XXXX XXXX XXXX Account # : XXXX Amount : {$280.00}
Product: Credit reporting or other personal consumer reports

XXXX has several inquiries I neither authorized, requested, nor that culminated in any retail credit contracts on my personal credit report ( PCR ). 

XXXX XXXX XXXX XXXX ' ( undisclosed business type ) for XX/XX/XXXX were not authorized by me. 

There is no corresponding retail contract of sale nor extension of credit corresponding with these phantom entries, and I am unsure if they are actually some form of Identity Theft attempt. 

Coupled with an unrecognized inquiry by XXXX XXXX ( unknown entity ) on XX/XX/XXXX, I would respectfully request XXXX remove these unwarranted inquiries as per the US Federal FCRA, as they are in violation of 15 USC s/s 1681b ( permissible purposes ). 

Also appears as : XXXX XXXX XXXX ' and XXXX XXXX XXXX ' on Experian.