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

Transunion already agreed to this acct erroneous and inaccurate here proof. These accounts are not mine, they are inaccurate, unverified and unauthorized. ( Exhibit A ) XX/XX/XXXX fnbo was removed after I disputed it on XX/XX/XXXX. Transunion has not even responded to me per the law you say you are required to follow from my initial dispute. Your only response was you removing the account. You are required to respond to me within XXXX of my disputed. I spoke to a few reps today XX/XX/2022 specifically XXXX XXXX and he stated that you guys added this acct per fdcpa but that law also states your required to respond to my dispute within 30 days. Why didnt you? So that means you as the entity agreed w me the original creditor that this account is unverifiable. Later with it now being the XXXX of XXXX you re added this account back 2 business days later. What changed from then to now. 

With you removing this from my account you admitted to this law by removing it which basically means XXXX didnt verify this per law. 
So what made you add this back? 
How you verify it? 
XXXX and XXXX wasnt able to verify it so how were you? 

This abusive act has cause me major financial distress and this is against my individual right to privacy This agency is in violation of 15 USC 1692 ( g ). They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 XXXX and the Fair Credit Reporting Act [ 15 USC 1681 XXXX a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( XXXX ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device : So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as the following : The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles XXXX of dispute, particularly in the light of the recent CFP lawsuit, highline significant issues with the platform. Despite using Zelle numerous of times and recorded discrepancies, my financial institution in Zelle filter to investigate my claims adequately. They informed me that recovering lost fonts was impossible, and that tracking the transactions was unfeasible the CFBPs findings and indicate that Zelle has not only neglected to protect customers, but also allow repeated offenders to exploit the system leaving users vulnerable to scam. The lack of accountability and transparency is unacceptable and raises a serious concerns about customer safety.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving m account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, CREDIT COLLECTION SERVIC added a Derogatory Mark on my credit report per XXXX XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA, CREDIT COLLECTION SERVIC has violated my rights as a consumer an I'm requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised due to identity theft and I was left with many unauthorized accounts on my credit file and I'm requesting that the XXXX mojor credit reporting agencies either send me a certified physical copy of an legal instrument with my signature accepting these accounts as an agreement between them companies inwhich I'm disputing and I, if not then as a consumer with rights I'm demanding that these accounts be blocked immediately and permanently from my credit data/ files. 

Remove these accounts, 1 ) XXXX XXXX {$1000.00} 2 ) XXXX Consulting {$1300.00} 3 ) XXXX {$180.00} 4 ) XXXX {$370.00} 5 ) XXXX   XXXX {$460.00} 6 ) XXXX XXXX {$110.00} 7 ) XXXX XXXX {$83.00} 8 ) XXXX XXXX {$150.00} 9 ) XXXX XXXX XXXX {$610.00} 10 ) XXXX XXXX XXXX {$41.00} {$20.00} {$40.00} {$83.00}
Product: Debt collection

Associated Credit Services Inc. began calling me on XX/XX/XXXX regarding a charged off credit card consolidation account. I believe my account originating from XXXX XXXX  switched companies at some point prior to this. Up until about three weeks ago, it was being handled by a company called XXXX Co. I have six different unsecured accounts at the moment. Only one of those companies ever had the actual decency to write to me and e-mail me notifying me that they've sold the account to another company, and every other time I end up finding out through trial and error, but I digress. This complaint pertains directly to Associated Credit Services Inc. 

I received their initial contact letter at the beginning of XXXX. I sent them a small monthly payment check and a printed response letter on XX/XX/XXXX. Part of my letter reads : " Please do not call me. I am NOT demanding that you cease all communications with me, but please only contact me in writing. '' Well, my bank records show my check cleared on XX/XX/XXXX, so I know there's no question on whether or not they received my letter. They tried calling me again at the end of the day on XX/XX/XXXX. On XX/XX/XXXX, not only did they NOT comply with my peaceful request to stop calling me, they actually escalated their activities. They called my cell phone again at XXXX AM. They also tried to call my XXXX mother 's home phoneline a minute later at XXXX AM to start bothering her for no reason when she has nothing to do with my debt. They've been notified in writing to only contact me in writing. How much more XXXX can they get? 

I've attached phone logs of all the call attempts for reference. Im also attaching a copy of my letter I sent them. My cell phone is set to forward unknown callers directly to voice mail without ringing my phone. It doesn't block calls. I have never spoken to Associated Credit Services Inc. on the phone personally, nor do I intend to. From my experience, phone conversations are where things start going wrong, and then everyone ends up debating over who said what later on.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 
XXXX XXXX {$850.00} XXXX {$430.00} XXXX   XXXX {$700.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX {$520.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$12000.00} XXXX {$2000.00}
Product: Payday loan, title loan, personal loan, or advance loan

I got a loan from Klarna and I want others to be warned not to do any loan service with Klarna. The issue I am having with Klarna is getting a full credited amount for two returned items they only gave a partial credit when XXXX XXXX as well as myself gave full proof of all items being returned we have provided a receipt for proof of refund XXXX XXXX has sent over the refund with confirmation number on XX/XX/year> and yet they only gave a partial refund they have yet to credit my account back for the full purchase amount. The full refund amount should be XXXX they only refunded {$350.00}
Product: Credit reporting or other personal consumer reports

XXXX submitted a report to Experian that I had an account and had not paid it. I disputed this with Experian, I explained i have never had a XXXX account ever. That it is wrong or fraud. They said it was verified, how. I never signed anything or even got a bill to my house. I explained this yet, they verified the account twice. I had a perfect credit report before this fraud.
Product: Money transfer, virtual currency, or money service

I made a transaction with a company I thought was legitimate, never received a invoice, their phone was always busy. Research revealed this company for intended purposes doesnt exist. They were paid through this company which now has refused my dispute.
Product: Mortgage

Hello, My husband and I had a mortgage through XXXX ( it was in his name ). After he XXXX XXXX   in XX/XX/XXXX, I took over as the executor of the estate. I purchased insurance through XXXX XXXX for the home in XX/XX/XXXX. However, XXXX purchased extra insurance on the home ( forced-placed insurance ) -- at an extremely high rate of {$11000.00} or so per year. They then increased my escrow and my total payment jumped significantly. We tried to resolve the issue with XXXX, but they have since then sold my mortgage to a debt collector, Bayview Loan Servicing LLC ( who currently hold the mortgage ). 

The loan number at Bayview is XXXX. 

The home address is XXXX XXXX XXXX, XXXX XXXX, NJ XXXX Their customer service rep advised that if we could provide proof of insurance for the home for the period ( XX/XX/XXXX onwards ), we would receive a full refund for the forced-placed insurance. I have attached the proof of insurance to this email. The proof of insurance lists the my name + the Estate of XXXX XXXX XXXX ( my husband ). It fulfills all of the requirements they have asked for. This has been extremely difficult with Bayview. They have regularly not known Yet now they are refusing to provide the refund, arguing the insurance was not sufficient. Since its a significant amount of money I've been charged, I have been left with no choice but to file this complaint. 

Sincerely, XXXX XXXX
Product: Debt collection

This company received my request to validate the debt for {$1100.00} on XX/XX/XXXX with tracking # XXXX. When I pulled my credit report they did not furnished my account that it is on dispute. I sent another letter that they received on XX/XX/XXXX with tracking # XXXX. I have been sending them follow up letter regarding this account and they only sent me couple of letter without providing a valid proof that I owe the debt. Aside from that until now it's not furnished as being in dispute and it's been 2 years! I have also tried to challenge the accuracy of the reporting in Transunion but they removed it. How come it's still reporting in my credit report even without validating this debt properly.
Product: Credit reporting or other personal consumer reports

The account XXXX XXXX XXXX XXXX was added to my credit report on XX/XX/year>. I do not recognize or have any knowledge of this account. I would like the account removed from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please provide proper documentation that you in fact a covered entity under HIPAA and the name and address of the original alleged debt holder. Pending my receipt of this information and in accordance with federal laws, cease and desist reporting to the bureaus.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit record and I am quite upset at the inaccuracies you are reporting in my credit record. I need the inaccurate information to be updated or deleted. 

XXXX  XXXX XXXX Balance {$0.00} This account is misleading. This will need to be removed pronto.
Product: Money transfer, virtual currency, or money service

I am writing to formally lodge a complaint against Xoom regarding an unresolved transaction I initiated on XX/XX/XXXX. 

I made a payment with my card for a transaction ( ID : XXXX ) that has yet to be received by the recipient. Since the transaction date, I have not received any confirmation of the payments status, nor has Xoom refunded the amount. I have repeatedly reached out to their customer support, and the responses I receive are consistently vague and unhelpful. 

In one of their recent communications, Xoom stated that they are experiencing delays and that it may take an additional 23 business days for the transaction to be processed. However, this has not been the case, and they continue to extend the timeframe without any clear resolution. 

I also discovered numerous complaints on their social media platforms, indicating that I am not alone in facing such issues. Many customers report similar experiences of being left stranded without their funds and without proper support from Xoom. 

I kindly request your assistance in resolving this matter. I believe that customers should not be left in the dark regarding their financial transactions and deserve timely updates and resolutions. 

Thank you for your attention to this matter. I look forward to your prompt response.
Product: Debt collection

This debt is from XXXX. Which I payed multiple amounts an double the amount owed. Then fell behind they contacted last year XXXX  me telling me there taking me to court an I have to pay. Being very assertive during this phone call an only tryin to get me to say I would pay. I told them no because its a illegal loan in my state which I didnt know when getting it with 299.99 % and in VA anything over 16 % is illegal an that I paid well over the original debt. so it went to collections which I have email them asking for all info like my payment history since they shut my account down an wont show what I paid. I have disputed this multiple times an they wont because they contact them tan they say everythings legit. They say I owe XXXX $ on a XXXX $ loan that I paid for multiple months. Ive told them that the original loan is illegal in my state an refuse to pay anymore of it. After they contacted me saying there a lawyer for the company. An I refused they sent it to debt recovery solutions. And they will not remove it. I have paid this debt off an some. An there still tryin to get XXXX $ On XXXX $ loan that was paid for months but is now XXXX $ I have not received a email with the info I requested to see if they can legally collect this debt. They never contacted me again after the supposed lawyer called me they sent it to collections which they never contacted me until I disputed it an they got my address. If I would have known for that year these loans are illegal in my state I wouldnt have done it. I been dealing with them for years now of calling an sending letters. I got it removed from one credit bureau but others will not an just send them my address so they start mailing letters. The letter attached is the last letter that the collections sent its roughly 8 pages. But havent send me what I asked for showing my payments made on the account even XXXX XXXX XXXX didnt they shut it down so I cant login. I have emailed them since asking for everything got no response to the email thats on the letter attached
Product: Student loan

My federal student loans have repeatedly been placed in administrative forbearance through no fault at all of my own. Mohela repeatedly told me interest would not accumulate during these periods, but that was a lie as it has continued to accumulate. I called multiple times and they said that they would remove the interest that accumulated during these periods, but they have never done that despite telling me that they did. I now owe {$2000.00} more in interest due to them placing me in administrative forbearance despite me calling to request getting out of administrative forbearance early every time. They now tell me that interest does accumulate during these periods and there is nothing I can do about it. I was not able to take full advantage of the SAVE plan while in their administrative forbearance. They deceived me and I now owe thousands of dollars more due to their incompetence.
Product: Credit card or prepaid card

On XXXX XXXX a unauthorized Purchase from XXXX XXXX XXXX was made through my Self Lender Credit card. I did not approve or acknowledge these charges. I disputed the Charges immediately after i saw the purchases to self lender over the phone. For two months i was hospitalized and was sent a letter from self lender stating the companies have disputed these transaction was accurate and with evidence stating the items was shipped to my home. Which is a not a valuable proof and these items was never sent to my home. The letter also stated i had a certain time frame to respond to this letter to dispute the company 's claims. i did not open or view these letters until i got home two months after being hospitalized. so it was past the time frame to dispute my claim. I sent the dispute in anyways along with stating i was hospitalized and was unable to respond in a timely manner because i was not home to receive my mail. Federal consumer law states no consumer should be held liable or responsible for fraudulent charges. after sending in my response for the claim. i received a letter that my case was closed and I have been held responsible for these charges because i did not respond in time and the companies sent proof via shipping stating packages was delivered. 
Because of this it is affecting my consumer credit report due to my my credit over 30 % usuage which has stopped me from receiving credit.
Product: Mortgage

To whom it XXXXay concern, I am writing to give you the details and experience I had when trying to purchase a home in which I would assume an FHA Loan. There are many points in the process where I was stonewalled, blocked, or ignored so that Arvest Bank, XXXX, Arkansas wouldnt have to give me a loan assumption. I know of a few places where they violated the law or the FHA guidelines, but I do not know all. In the end, they rejected me saying I didnt qualify. Without their inviting me to do so, my CPA prepared a thorough analysis of my credit worthiness ; such that he and other professionals in this industry agreed I was more than credit-worthy. Unfortunately, I dont really know the reasons for rejection ; nor if they even reviewed my analysis. No communications have been received since my submission. At the time of rejection I had enough cash that I could have bought the house just in cash. I also would be able to rent my current residence for the same amount that the XXXX loan was for. I also had another lender at another bank review my financial situation to help me communicate to XXXX and show who I wasnt a risk and I could qualify. Arvest decided to not use any of it.

Things that Arvest Bank did to break the law or violated the rules set in place by the Consumer Financial Protection Bureau : My understanding : 1. Arrest Bank restricted transfer of FHA loan at the beginning because they didnt have a process. 
2. I wasnt officially notified within 10 days of being rejected as to why, and how he could fix the issue.

3. I wasnt given 3 reasons why I was rejected. I was only given a incomplete form saying they couldnt verify income 4. I was never working with someone that has a NMLS number. 
Arvest Bank did everything ( and more details ) they can to sway us from assuming the loan.
Product: Credit reporting or other personal consumer reports

I submitted a dispute with Experian regarding items on my report as of XX/XX/2025. The company did not thoroughly investigate the claims and provided me with a decline to resolve notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report.Please remove these accounts from my report, they are hurting my ability to obtain credit
Product: Consumer Loan

This account does not belong to me. I have been disputing it since it was showing positive on my credit and now the lack of payment are showing as negative. when I try contacting the company I do n't get pass the verification process because my information do n't match what they have. This account is not mine. I have been disputing it with the credit bureaus since XXXX 2016 and no one can show me proof that it belongs to me. Please help me remove this account especially now that it is reporting negative.
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below from my credit report. As a victim of identity theft due to a data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) to have these unauthorized items removed.

Accounts to Block and Delete XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$8900.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$1200.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$800.00} XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$340.00} XXXX XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$0.00} XXXX XXXX XXXX XXXX  - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$5700.00} Inquiries to Remove XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX OF XXXX - Date : XX/XX/XXXX XXXX. XXXXXXXX XXXX - Date : XX/XX/XXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX