23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

IN RESPONSE TO CFPB : XXXX Dated : XX/XX/XXXX Todays dateXX/XX/XXXX RE : Request for Investigation of Unauthorized Inquiry Dear Sir or Madam, I checked my personal credit report, which I acquired from your organization on [ insert date of report ] and I noticed an unauthorized inquiry had been made. 
I contacted [ inquiry sources name ], who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into Inquiry details XXXX/XXXX   Inquiry from XX/XX/XXXX + Bank XXXX/XXXX  Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX/XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines Universal Cr Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. 
If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business days of the completion of the investigation. 
Thank you for your assistance in this matter, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

I am formally disputing and requesting the prompt removal of fraudulent account from my credit report. This dispute roots from a case of identity theft, for which I have filed a formal report in Federal Trade Commission. 
The bank has accepted the identity theft report 's legitimacy and known a potential system glitch that has hindered access to the records. They have assured me of the prompt removal of the fraudulent account, which has been mistakenly existing on my report for over five years. 

But somehow, these fraudulent accounts are still existing in my report under your bureau and I'm curious what kind of confirmation process have you done. XXXX and XXXX credit bureaus no longer reporting these fraudulent accounts since the submission of the required documents. 
Additionally, I have reached out to the bank associated with the fraudulent accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Acima leasing company I hope this message finds you well. I am writing to express my disappointment with the service I received recently as a returning customer. I had every intention of completing my lease within the XXXX  days of the original transaction. Unfortunately, I missed the deadline by just a day or XXXX, resulting in significant fees for the early payoff plan. 
When I called to discuss my situation, I was hoping for a XXXX-time exception due to some personal circumstancesmy sister has been seriously ill with XXXX, and I was occupied with hospital visits. Regrettably, I learned that no exceptions could be made. While I understand policies are in place, I was disheartened to hear that I would need to pay an additional {$200.00} to proceed with an early payment.originally was {$680.00} and then it became almost {$900.00} and now its {$1400.00}. This experience has left me feeling frustrated, and I believe it undermines the loyalty Ive shown as a returning customer. I cant help but wonder how many others might be facing similar challenges with these fees. The situation has placed me in a difficult financial position due to what I believe was an honest mistake. 
Thank you for taking the time to read my feedback. I hope it can contribute to better understanding customer experiences in the future. 
Sincerely, Customer
Product: Money transfer, virtual currency, or money service

I have an account on XXXX and have done XXXX. My account had more than XXXX and on XX/XX/XXXX company automatically deducted 16.16 % of my total XXXX. They said they found some borrower have defaulted and they have a loss of XXXX XXXX. To cover it, they are cutting principal amount by 16.16 % to all non US citizens. We lend virtual currency using their platform. XXXX get flat 15 % of the total interest that we get. So if their is any problem in their system, it is their responsibility to manage. They can not deduct from our principal amount. I have not earned that much from lending in 2 years and they deducted more amount in one go. Plz help me. My registered email is XXXX XXXX
Product: Checking or savings account

BMO stole from me. They re arranged charges throughout the week to justify stealing money that was refunded to me. The merchant that gave the money back has record of the refund but BMO does not have record of the refund because they adjusted the account transactions in a very sneaky manner. I have called the bank with the merchant on the phone and they started an investigation however refuse to provide a provisional credit so that I can pay my bills. They stole from me.
Product: Debt collection

false statement and representation XXXX XXXX SENT A GENERIC LETTER, XXXX XXXX MAY NOT BE A HUMAN, NOT A LIVING PERSON, MAY NOT EXIST. HIS SIGNATURE WAS ROBO SIGN AND PLACED ON THE LETTER ANOTHER EVIDENCE OF FRAUD ON CAPITAL ONE, Na no evidence of XXXX '' '' deceptive debt collection lawsuits based on flimsy or nonexistent evidence. by capiatl one, NA illegal practices that can deceive or intimidate consumers, such as filing lawsuits without determining if debts in question are valid. " '' see cfpb as CFPB Takes Action to Halt Illegal Debt Collection Practices By Lawsuit Mill and Debt Buyer,,, " were not verified and might not exist, '' did not respond to QWR and assignment fraud violated the Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act, which prohibits unfair and deceptive acts or practices in the consumer financial marketplace. 
Lawsuits against consumers without sufficient basis. 
Filed lawsuits based on unreliable or false information. 
challenged the validity or accuracy of the ASSIGNMENTS FRAUD. capital ONE, NA did not obtain or review qwr,, the fraud assignments information. FRAUD FALSE FACT IN court filings. AFFIDAVIT
Product: Credit reporting or other personal consumer reports

I recently viewed copies of my ( XXXX, XXXX and TransUnion ) consumer reports and noticed that it is reporting my experience with XXXX XXXX. I wrote a letter regarding transactions and experiences ( utilization ) and payments that were marked late and reported by your company for the following account ( s ) on the following date ( s ) : Account # XXXX last reported XX/XX/year> Account # XXXX last reported XX/XX/year> This reporting is illegal and your company is in clear violation of the law. Pursuant to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences ( utilization and late payments ) between the consumer ( I ) and the person ( XXXX XXXX  ) making the report. 

Utilization is an experience with the line of credit that was extended between the consumer ( I ) and the person ( XXXX XXXX  ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and I. 

XXXX, XXXX, XXXX and TransUnion HAVE VIOLATED THE FCRA 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) by reporting these transactions or experiences ( UTILIZATION AND LATE PAYMENTS ) on my consumer report which CONGRESS clearly states is NOT included on my CONSUMER REPORTS.
Product: Debt collection

Re : Debt collection letter ( dated XX/XX/XXXX ) from Radius Global Solutions, LLC. 
Creditor : XXXX XXXX XXXX XXXX RADIUS Global Solutions # XXXX Previous debt collector was XXXX XXXX XXXX XXXX ( XXXX ). Debt was disputed and case was closed and all collection activity was ceased. Have letter from XXXX dated XX/XX/XXXX. 

On XX/XX/XXXX, my XXXX year old daughter received laboratory service at XXXX to test for XXXX XXXX XXXX. It appears that SHE WAS ALSO tested for XXXX XXXX ( XXXX ) Foods, a test that was undertaken without her knowledge or consent. Neither her physician, nor XXXX informed her that such a test was going to be undertaken nor did she consent to such a test. A complaint was lodged with the physician as well as XXXX. We became aware that an XXXX XXXX   test was conducted when we received a bill from XXXX for {$870.00}. The physician indicated that he was going to undertake " XXXX  XXXX XXXX to test for XXXX XXXX. '' It appears that our insurer at the time, XXXX, was billed for an additional test, and the claim was subsequently denied. XXXX indicated that the XXXX  XXXX XXXX ( XXXX ) testing is experimental and investigational and it has not been proven to be effective for routine testing for XXXX XXXX. It is unethical and illegal to order and/or administer a test without a patients consent, and particularly one that is not reasonable and appropriate based on professional standards of safety and effectiveness for diagnosis, care or treatment. 

The case was closed by XXXX, previous collection agency a year ago. Why are we now receiving a letter from RADIUS?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX O XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$0.00} ACCOUNT XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXX Bankruptcy XXXX Filed/Reported : XX/XX/2017 Reference # : XXXX
Product: Debt collection

I have been disputing this debt for months now and XXXX and XXXX continue reporting this on my credit even though I showed them evidence that XXXX deleted this account. I have sent them evidence showing where TransWorld system is clearly giving false information about me to them and yet, they continue reporting this account on my credit and these two bureaus keep validating this debt. 

One one occasion in which I have attached evidence, TransWorld notated on XXXX XXXX that I paid {$20.00} toward this debt, which is a clear lie. After reporting this to these two bureaus, the notation on XXXX XXXX suddenly disappeared, but the debt still remained on my credit. 

The next lie they have been reporting on my credit reports in " Natural Disaster '' I never told them that I was experiencing a natural disaster as I never spoke with these people. 

They also have not provided me with the original contract bearing my actual signature. They just sent some aged printout saying my signature is on file. These are all clear violations of the FCRA and the FDCPA. 

I thought I would file a complaint with the CFPB if these people continue to report this inaccurate and false reporting on my credit which is damaging my credit, before I turn this matter over to my lawyer. I would like to resolve this matter amicably and they have yet to tell me what right they have to collect in my state and GA statute of limitations is four years in which this account is past.
Product: Credit card

A charge appeared on my Bank of America Credit card statement on XX/XX/2025 for {$1600.00} from a business called XXXX XXXX in XXXX, Utah. I did not make this purchase, so I reported the fraudulent purchase on Bank of America website. My claim was denied on XX/XX/2025. I called and was unable to find out how to appeal the denial, and was unable to reach a human. 

The purchase occurred through a third party online payment portal called XXXX. I called sqaure and went online. The website indicates disputes go through the issuer of your credit card. I downloaded a copy of the invoice from XXXX indicating the same amount, date, and seller as my Bank of America credit card statement. 

I called XXXX XXXX and talked to the owner. He said that they do not sell online, do not accept credit cards, do not use XXXX, and only sell to businesses rather than private individuals like me. He looked for invoices and there were none on that day.
Product: Credit card or prepaid card

On XX/XX/XXXX, I started receiving emails from XXXX which stated an account had been opened under my name for the American Express Serve card. I have received 5 emails regarding statements or other activity in " my '' account between XX/XX/XXXX - XX/XX/XXXX. On XX/XX/XXXX I spent more than an hour on hold calling American Express and talking to multiple representatives who were all completely unable to help in any way. They were unable to access details for " my '' account because I don't have the " correct '' ( fraudulent ) information, such as birthday, on file for this account. I am beginning to feel that American Express has a blatant, negligent disregard for the fraud and identity theft committed against me, which they are complicit in enabling.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX has violated 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 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: Debt collection

I never signed a contract with XXXX XXXX for a gym membership and was told it was a month to month membership that I could cancel at anytime. I called the gym and told them I no longer wanted to have a membership. I was not told it needed to be in writing. Now XXXX XXXX XXXX has called me several times over the last two weeks and when I explain this on the phone, they just hang up. Today, XX/XX/18 I told them not to call me back. They yelled on the phone and told me when I signed a contract, I needed to send them a request via mail to get a copy of the contract I signed, that I would be reported to the credit bureau and when I felt like paying my debt call back and hung up again.
Product: Debt collection

In XX/XX/XXXX, I received a letter that informed me that my student loans were forgiven and that I was NOT to make another payment towards the loans. 
" The Department of Education ( " Department '' ) has determined that the loan ( s ) you received to attend a school owned and operated by XXXX XXXX XXXX are eligible for full loan discharge. This means the remaining balance on the loan ( s ) will be forgiven. You do not have to make any more payments on the loan ( s ). '' I followed the instructions and did not make further payments to Aspire Servicing Center. Prior to the announcement about student loan forgiveness for these schools that misused and abused students, I contacted them to provide verification and then to validate that this was even my loan that I had been paying on for years. They did not respond, nor did they provide me any proof of how this loan was even associated with me. 

Years prior to this, I had been paying this loan because I was told that if I didn't, they would mess up my credit. I felt I had no choice but to pay it. I found out that they violated my rights and when I began to question them, they never responded. I stopped making the payments for this reason as well. There was no recourse for the non-payments but then in XXXX XXXX I started getting letters saying that they put my loan with them in deferment. I never asked for this, never signed anything, never even spoke to them. A forgiveness was filed and granted for my student loans, yet they are still trying to collect this debt. 

In XXXX of XXXX, I get a notice for payment, and I get an alert that they had reported this account as negative to my credit that dropped my credit score. They have violated my rights for the last time. I am filing this complaint because they are abusing the system and never has shown proof of the debt. The debt belonged to XXXX XXXX as shown above from the email that I received in XXXX of XXXX, clearly a school that misused federal funding and mislead students. Please help me by deleting this debt and removing it from my credit report for violation repeatedly of my consumer rights. 


Thanks, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to the credit bureaus ( XXXX and XXXX ) and to WF/XXXX  and notify them of their error posting for this account. The information they provided is different from other bureaus. The Date of Last Activity, Payment status, Payment History, Credit Limit, Date of Last Payment, Date Last Reported, Date Open, and Comments are inaccurate. In addition, A charge-off should show a XXXX balance. 

I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. No proof that this account belonged to me was given. No documentation was ever sent/received. The purpose of a time frame was to assure customers that disputes are taken so seriously that results must be completed within a reasonable time. They have failed to provide documentation and proof. Then I found out that the issue still persists, I just had to escalate to CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 u.s. code 1681 talks about accuracy and fairness of reporting and Experian has been reporting inaccurate information on my account. The IRS describes a CHARGE OFF as gross or ordinary income so there should not be any charge off reporting to my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I send Experian information required to the acquired credit card. After follow up with the credit card company, I found out there is a bankruptcy record on my credit report. I need this clear up. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Transunion In accordance with the Fair Act Credit Reporting act .The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name XXXX XXXX  Account # XXXX Account name : XXXXXXXXAccount # XXXX Account name : XXXXXXXX XXXX  Account # XXXX Account name : Dpt EdXXXX Account XXXX XXXX Account name : Dpt EdXXXX Account # XXXX Account name Dpt EdXXXX Account # XXXX, XXXX Account name Dpt EdXXXX Account # XXXX, XXXX Account name Dpt EdXXXX Account # XXXX, XXXX Account name Dpt EdXXXX Account # XXXX, XXXX Account name Dpt Ed XXXX Account # XXXX, XXXX my information dates from being shared is XX/XX/year> until current date today
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX of the XXXX XXXX XXXX, a consumer is allowed to ask to dispute a debt at anytime a debt is being pursued in their name, not just at the very beginning of a debt purchase. Specifically, the law states " The names and addresses of all persons or entities that purchased the debt after charge off, including the debt buyer making the written statement. The names and addresses shall be in sufficient form to reasonably identify each such purchaser. '' And " A debt buyer shall provide the information or documents identified in subdivisions ( a ) and ( b ) to the debtor without charge within XXXX XXXX XXXX of receipt of a debtors written request for information regarding the debt or proof of the debt. If the debt buyer can not provide the information or documents within XXXX XXXX XXXX, the debt buyer shall cease all collection of the debt until the debt buyer provides the debtor the information or documents described in subdivisions ( a ) and ( b ). '' On XX/XX/2022 in the documents that were forwarded to me through the CA XXXX. XXXX XXXX XXXX XXXX failed to provide me with the names of all the creditors and entities that the debt they are collecting has passed through. 
according to my records, other companies had acquired the debt before XXXX XXXX XXXX. And that I requested this information originally back on XX/XX/XXXXXXXX XXXX XXXX and have continuously asked them to provide the name of all past creditors since then. They have passed the XXXX XXXX allowed under XXXX XXXX to report the debt to the credit Bureaus and thus need to remove the collection till such information is provided. Also when I originally asked for all information required of XXXX XXXX XXXX XXXX back on XX/XX/2022 they did not respond to my debt dispute until XX/XX/2022 according to the records they sent me. That is XXXX XXXX passed since the delivery of my initial dispute letter. Which also greatly passed the XXXX XXXX they are given under XXXX XXXX They were also reporting to the credit Bureaus after the XXXX XXXX had passed which is also a violation under the XXXX XXXX XXXX XXXX XXXXXXXX XXXX did validate part of my debt and ca requirements by sending me a statement from the account but they continue to omit information required by XXXX XXXX. As such, I believe XXXX XXXX should immediately stop reporting to the credit Bureaus as they are supposed to according to the laws cited above. Until they send me a copy of all previous purchasers of the debt. It has now taken them XXXXXXXX XXXX XXXX and counting to do so which I believe is unfair.