23daVinci/CFPB_Complaints huggingface dataset:
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 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Collection Account Account Number : XXXX Collection Account Account Number : XXXX Collection Account Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX  XXXX  Account Number : XXXX Account Name : XXXX  XXXX  XXXX  Account Number : XXXX-XXXXXXXXXXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX  XXXX  XXXX  XXXX  XXXX Account Number : XXXX
Product: Checking or savings account

On XX/XX/2022 I receive a message saying my account was locked. XXXX days prior, I made a large credit card payment by mistake that overdrew the account. To amend that error, I started to deposit money each day. The issue arose when I switched my primary bank account t this account was connected to. I had to open a new checking account recently and all my money to make that card payment was in there. Even though these were actions done by me, the account owner, they locked my account. 

XXXX cases were opened up after I called their support team. Both of them asked me for the same info : my ID, Bank Statement ( which was empty because the account was new ), and a screenshot of recent transactions which showed the XXXX {$2500.00} deposits I made. After providing this information to XXXX case on Thursday and another on Friday, Ive been ignored by the Credit Karma Spend account support team and they have locked out access to {$5000.00} in cash. Ive tried calling them and they give me the run around. After not hearing back on this money I really need back, I decided to submit this complaint. These were actions I took and I need my money back.
Product: Money transfer, virtual currency, or money service

I am writing to formally file a complaint against Cash App ( Block , Inc. ) for its unlawful customer service practices, which I believe violate consumer protection laws. My concerns align with the recent CFPB lawsuit against Cash App regarding its failure to provide proper customer service, unauthorized transactions, and deceptive practices.

Like many other consumers, I have experienced firsthand Cash Apps lack of accountability when resolving disputes. The company routinely makes it difficult for customers to reach a live representative, forcing them to rely on automated responses that fail to address their concerns. This is especially problematic when dealing with unauthorized transactions, fraud, or technical issues that require immediate attention. 

Furthermore, Cash App has demonstrated a pattern of failing to properly investigate and reimburse fraudulent or erroneous transactions, leaving consumers financially vulnerable. The companys refusal to adhere to fair banking practices, including providing clear disclosures and an accessible dispute resolution process, is both unethical and illegal. 

I urge the CFPB to take swift action to hold Cash App accountable and to implement stricter regulations that ensure customers have access to transparent and effective support services. Additionally, I request an investigation into Cash Apps handling of consumer complaints and demand that corrective measures be taken to prevent further harm.
Product: Credit reporting

I turned in the equipment from my XXXX account years ago and they continue to call and harass me. I have received several calls from spoofed numbers regarding this merchandise. During one of those calls they signed me up for services that I had not requested. I told XXXX them over and over again that I turned the merchandise in. XXXX uses bait and switch tactica and actually several times signed me up for things I did n't ask for.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name XXXX XXXX XXXX XXXX  XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding XXXX handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. 
This lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit card or prepaid card

IRP Registration Services Toll Free Number : ( XXXX ) XXXX Email : XXXX Website : XXXX : XXXX This company misrepresented itself as the IRP office for the State of Georgia offering to register my tractor. I was preoccupied due to death in my family and gave them my credit card info. When I realized it was not the State. I had Capitalone reverse for the charge. Capitaone then reinstated a charge for services I did not receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax won't remove personal statement. 
Opened up 2 prior complaint already, each time they say they update the information, but as of XX/XX/2020, the personal statement I want removed is still there. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an item on my credit report from XX/XX/XXXX. I have never opened account with XX/XX/XXXX. I continue to dispute this item with the credit bureaus and the furnisher, but XXXX XX/XX/XXXX continues to verify this information as accurate. In addition, each month XXXXXX/XX/XXXX reports me late. How can they report me late when I do not have an account with them or owe them payments. 

I need this item removed.
Product: Debt collection

I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the FCRA, a creditor is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FDCPA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
Product: Credit card or prepaid card

Dear Ally Bank, I, XXXX XXXX, applicant, received your letter dated XX/XX/2023. Please explain your reasons for denying my application. In addition, the car dealership XXXX XXXX XXXX XXXX stated verbally, including in CFPB Complaint ID XXXX response dated on XX/XX/2023, that " the bank '' ( Ally Bank ) are " requiring '' a cash down payment. I am demanding that Ally Bank provide verification of XXXX XXXX, XXXX, statements that Ally Bank are requiring a " Cash Down Payment '' to proceed with the transaction I issued with XXXX XXXX XXXX XXXX, dated on XX/XX/2023. Please see attachments. Thank you! XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.
Product: Debt collection

As you will see on the attached documentation, I have requested on 3 occasions the documentation to verify the accuracy of the debt that they are requesting me to pay for. The services were cancelled as of XXXX/XXXX/16. However, the statement received has billing showing XX/XX/2016.-XX/XX/2016. It does not state anything but a prior balance and a statement balance. Requesting to verify a debt means that the debt must be verified with accurate backup details, providing statements is not providing satisfactory documentation. I have escalated this issue to the parent organization, as well as the attorney generals office due to the neglectful actions and response received from the CBE Group thus far.
Product: Mortgage

There was an unallocated amount of {$1300.00} that I requested to be moved to principal that was never moved. Initially rep made it seem as if I was incorrect about amount pending and after detailed conversation she agreed that issue will be escalated and action will be taken. Now 2025 and I have paid funds to clear account a week ago and they have yet to be applied nor has the {$1300.00} been adjusted to the principal balance. 


This issue is with LoanDepot
Product: Debt collection

On XX/XX/2023, I reached out to LVNV Funding in attempt to settle a debt and increase my credit score subsequently. I was told after settling a XXXX dollar account for XXXX, that the transaction would be reported to the Bureaus and that I'd increase my score. However, I was tricked into paying an old debt that was already closed in my account. Also, I was ensured that my points would increase once the company reports the settlement to the credit bureaus. XXXX, LVNV Funding, are frauds that tricked me out of XXXX. 

I was told that LVNV Funding requested the information to be deleted from my report in order to hide the fact that it wasn't due for a payment. Resulting in my credit score remaining the same even after paying money to settle an account. XXXX exclaimed that they only take payments and do not report to the credit Bureau. This appears to be a scam and fraudulent ways to collect money from debts already closed or canceled. I want an investigation and information on filing a civil suit.
Product: Debt collection

On XX/XX/XXXX, I received a call from Account Resolution Corporation, seeking collection on a debt from XX/XX/XXXX. I told them I believed that was in error, as I had paid XXXX XXXX ( the hospital involved ) for a service from that month. I then attempted to contact XXXX XXXX. 

On XX/XX/XXXX, XXXX XXXX confirmed I had a {$0.00} balance, but referred me to XXXX XXXX, where they suspected the bill may be from ( they couldn't verify any balance from XXXX XXXX   ) On XX/XX/XXXX, I called XXXX XXXX at ( XXXX ) XXXX, and XXXX confirmed I had an outstanding balance of {$490.00} that had been forwarded to collections. I told her I had never received a bill, or any form of contact whatsoever, and never knew I had a balance with XXXX XXXX at all, or even that they billed separately from the hospital. Her response was that I had been sent three bills which had been " returned to sender, '' and that I should've " told them I changed addresses. '' I told her I hadn't changed addresses in years, much less since the procedure, and that they must have a wrong address on file. Her only response was that I could pick up a statement in person. I asked her if, by paying the bill, it would be retrieved from the collection agency and not reported as a collection attempt, and she said " we will try. '' Later on XX/XX/XXXX I went to their offices, retrieved a bill, and mailed a check to the address provided. 

On XX/XX/XXXX, the collection attempt appeared on my credit report. 

On XX/XX/XXXX, the payment appeared on my credit report as if I had paid the collection agency. This was false, I paid XXXX XXXX. 

On XX/XX/XXXX at XXXX I called XXXX XXXX again. This time, XXXX, the representative, gave me the address they had mailed my bills to : XXXX XXXX  XXXX XXXX. I have never lived at that address, and it isn't even a valid address. I didn't give them that address, and I'm sure it was a clerical error on their part. He also told me that XXXX had " put the collection on a 30 day hold '' on XX/XX/XXXX. When I told him I hadn't given them that address, and that it hadn't been 30 days since the hold, he referred me to his supervisor, XXXX. I left a message in XXXX 's voicemail. 

On XX/XX/XXXX at XXXX, XXXX returned my message. She confirmed that my payment to XXXX XXXX for the outstanding balance had posted internally on XX/XX/XXXX. She said that the collection attempt would be removed from my credit report within " 60 to 90 days. '' When I asked her again, she confirmed that the record of the collection effort should " disappear '' at that time. 

This timeframe seems long, when the record shouldn't have went to the collection agency in the first place. XXXX XXXX mis-recorded my address, sent bills to that incorrect address, and when the bills returned to sender, they never called my phone number on file. Then, when I found out through a collection agency that the bill even existed, and paid it in exchange for the collection attempt being removed, it was reported on my credit report anyway, and now I'm being told to trust them, they'll remove it in 60 to 90 days. I need confirmation that this will actually happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have mailed certified mail letters to Trans Union on six ( 6 ) occasions, however, they continue reporting two ( 2 ) addresses which do not belong to me. I am very concerned that my identity has been stolen and the thief placed addresses that do not belong to me. The addresses being reported are " XXXX XXXX XXXX XXXX  XXXX, XXXX, NY XXXX '' and " XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX ''. I do not and have not ever resided at these addresses.
Product: Debt collection

Ally financial services has been attempting to collect a debt in the amount of XXXX for aprx XXXX years now. I have requested validation of the debt and have requested to speak with a supervisor on multiple occasions both verbally and in writing. After charging off the debt Ally financial is still attempting to collect the debt while stating there is a XXXX dollar balance. This vehicle was traded into an automotive dealer and is not subject to a disposition fee because Ally Financial never completed services rendered to collect on the alleged debt. They are also attempting to collect a higher amount than the contractual amount stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : ( CAPITAL ONE ACCOUNT NUMBER XXXX ) I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts be DELETED immediately within 4 days of being notified of the identity theft or I am requesting compensation for {$1000.00} per violation along with damages I haveThis Company has been notified with numerous letters and has failed to validate the debt related to identity theft. My accounts have not been investigated thoroughly, I have not received the requested documentation that shows any contracts, and validation. Pursuant 15 U.S Code sS 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) Appropriate proof of the identity of the consumer : ( 2 ) A copy of identity theft report ( 3 ) The identification of such information by the consumer and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. This has damaged my reputation and the company has failed to respond to my dispute letter that included an identity theft affidavit along with the requested identity proof documents. SEE CERTIFIED MAIL TRACKING NUMBER SENT TO ( CAPITAL ONE ACCOUNT NUMBER XXXX ) XXXX SENT TO CAPITAL ONE XXXX SENT TO XXXX VIA USPS CERITIFED MAIL XXXX SENT TO XXXX VIA USPS CERTIFIED MAIL XXXX SENT TO XXXX VIA USPS CERTIFIED MAIL 15 U.S. Code sS 1681n- Civil liability for willful noncompliance ( a ) In General Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) Any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) Such amount of punitive damages as the court may allow ; and ( 3 ) In the case of any successful action to enforce any liability under this section, the costs of the action together with with reasonable attorneys fees as determined by the court. 


I have attached all the relevant documents pursuant the above section of the law. I demand all the above fraudulent accounts ( CAPITAL ONE ACCOUNT NUMBER XXXX ) ) be DELETED immediately within 4 days of being notified of the identity theft or I am requesting compensation for {$1000.00} per violation along with damages I have suffered due to not being able to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have more than 66 companies are messing with my credit score. I have two or three companies that I need to fix but other companies I don't owe anything and they are leaving their name in my system and this is disturbing my score to go up, so that's why I'm sending this letter, to enter into dispute to fix my credit, because, I am not able to finance anything else for this.
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 4 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Checking or savings account

I have been an account holder with Truist ( and it's predecessor banks ) for over 30 years. I have been using electronic banking and bill pay services since they became available. On XX/XX/2022, in the course of setting up/adding a new joint account to my profile, someone at Truist deleted my online account ( i.e., my ability to access my accounts online, not the accounts themselves ). This was not authorized, and I do not know why it was done. 

To access my accounts, I had to create a new user profile ( i.e., a new username/password ). While I am now able to access my accounts, all of my account history ( including 20+ years of payees/account information, autopay information ) is no longer available. 

I spent several hours on the phone ( mostly on hold ) with Truist. During that time, ve spoken with numerous customer services representatives ( and their supervisors ), including representatives from Digital Support only to be told that once the online account is deleted the bill pay information is gone. Given federal regulatory requirements for bank data preservation, I find this very hard to believe. 

On XX/XX/2022, I received three ( 3 ) identical copies of a letter dated XX/XX/2022 from the Truist Enterprise Fraud Department indicating that " ... effective immediately, it is necessary to close the above referenced account ( s ) ''. There was no return address nor phone number. The letter indicated that if I had any questions I should visit my local Truist Branch in person with two ( 2 ) forms of identification. I promptly visited my local branch and met with the banker that helped me open the account on XX/XX/XXXX. He called someone ( he could not tell me who ) and told me they do not know why the letters were sent and said I should disregard them. I have uploaded a copy of the letter for your review. It is unconscionable that a bank 's fraud department would send such a terrifying letter to a bank 's customer and not be able to explain why it was sent. As far as I can tell, the account is still open, but I have no confidence that it won't be suddenly closed at any time for no reason at all.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non compliance with CRA TransUnion. 

They have failed to remove information that has been identified as identity theft. I have attached supporting documents ie police reports, identity theft reports, and proof of identity all sent certified mail to TransUnion. I strongly believe that they are in violation and are outright refusing to uphold the law.