23daVinci/CFPB_Complaints huggingface dataset:
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report 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 blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$460.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX DEPT OF ED XX/XX/XXXX DEPT OF ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: 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 my account vulnerable and unprotected.

Furthermore, their dispute resolution proce 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 51. financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

My informations was in several data breaches and unauthorize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Debt collection

Receivable Mgmt Group is listed on my credit file and I do now owe for any type of medical debt. It's showing {$460.00} and I don't owe this
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX 

Disputed info. Account & address associated with account does NOT belong to myself/ credit report data. 

Experian did not investigate properly. Items purchased, address of card/ billing statement are NOT my residence. Account does/ has not belong to my credit info.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is illegally reporting my chapter XXXX bankruptcy to credit bureaus. I filed my bankruptcy with XXXX County Court. They did not give LexisNexis permission to report to the bureaus, nor did they provide them with this information. Also, LexisNexis cant provide me with proof that the courts provided them this information.
Product: Checking or savings account

On XX/XX/XXXX I went into my business account and the balance was down over {$3000.00}! I freaked out and called B of A immediately to put a stop on the business debit card. I spoke to a BofA agent ( a woman ) who went through the account activity and we identified 20+ charges that were not mine. She put a stop on my debit card and expedited a new card so I could have it quickly. I live in XXXX XXXX, CA and spent the XXXX of XXXX with my family and friends and have not been on an airplane since XXXX. The fraud was OBVIOUS! Every one of the fraudulent charges were done in Georgia and South Carolina. On XX/XX/XXXX there were pending charges for two nights in an XXXX hotel for close to {$1000.00}, XXXX XXXX, and those charges were DENIED so they disappeared on my statements. But ALL of the other charges that were reported were fraudulent. The total was {$2400.00} taken out of my business account! I need to have my money reimbursed! 

Because I felt victimized by all of this, I kept a close eye on my business account and saw more fraudulent charges from the weekend processed up until XX/XX/XXXX. I was concerned that the debit card was not closed so I called BofA again to make sure it was closed. As I prepared for the call I realized the woman I spoke to initially on Monday, XX/XX/XXXX did NOT give me a Claim Number! So I made sure the second BofA agent, XXXX, issued me a claim number and again, we verified all of the fraudulent charges that occurred in Georgia and South Carolina. She assured me the debit card was closed and the charges had been pending before they were posted by the XXXX. The XXXX charges were the hotel charges that were DENIED and she explained that is why they were not on my account statement on XX/XX/XXXX. Just that charges were DENIED alone demonstrates that this was a FRAUD. 

Then BofA Agent XXXX was very thorough and looked back in my XXXX and XX/XX/XXXX statements to see if there were any other fraudulent charges. She found these three additional charges from the SAME RESTAURANT in Georgia on XX/XX/XXXX. She found them because I do not go through my bank statements line by line and did not see them. It looks like whoever hacked my business debit card HAD CHARGED my account back in XXXX! I felt stupid but relieved knowing that Bank of America would protect my funds. 

Weeks have gone by and I keep checking my account to see my funds being returned. I spoke to another BofA woman last week and she assured me it would be expedited to return the funds to my business account. It is now XX/XX/XXXX and on my call yesterday I was told my CLAIM WAS DENIED! ARE YOU KIDDING ME? The guy said that because of the fraud charges that XXXX discovered in XXXX there were questions about the account! ARE YOU KIDDING ME? My business, XXXX XXXX, has been with Bank of America for over 35 years and they WONT PROTECT MY FUNDS? 

I have attached all of the bank documents, letters, phone usage and records to validate my whereabouts and proof of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card and Equifax dropped my score down 71 points i only have 4 inquiries on my credit and now they have 7 months of perfect credit from my car note and they have not shown any kind of credit increase for this and they are dropping my credit for no reason and not reporting it correctly and I want this fixed or do I need to take them to court What they are doing is totally illegal and they should be held liable to fix this. 

XXXX
Product: Mortgage

I requested a loan modification since I was furloughed from my employer of 17 years, in XXXX XXXXI remained furloughed up until XX/XX/2020. I was recalled to on-call status and have worked 1 day a week since. I anticipate this to become a hardship to pay my mortgage. Fortunately I had a small saving to save me. That savings is dwindling and I have been trying to be proactive by addressing the matter with my mortgage company. since I have not been late yet or defaulted the mortgage, and supposedly home has a hight LTV, they denied my modification. 

My major problem I have with the company is the BPO they charged me {$85.00} to do. After reviewing my copy of the BPO it was apparent it was completed totally wrong. In addition to SLS determining I do not have a qualified hardship, they also concluded I have too high of an LTV to qualify as their list of reasons I was denied. Their BPO they charged me {$85.00} for is wrong by over {$40000.00}. No exaggeration, they used completely inaccurate data. The comparable homes they used to valuate my 1-Story home, they used 2 STORY homes which are significantly different when it comes to valuating. 

I feel that its almost a scam to welcome customers and especially desperate customers nowadays due to COVID, willing to spend the {$85.00} to try and see if they can get assistance with their mortgage. Little does anybody know they are deliberately undervaluing homes. 

I want them held accountable. I want them to re-evaluate the property thoroughly. It's not about the {$85.00}, its the principle. Or Even if its just a BPO there are plenty of model matches to my home IN my community they could have obtained their data. Had they done their BPO correctly they would have found my LTV to be at least 75 %. They would not be able to use excuse I had too high of a LTV.

I have escalated this complaint about the BPO company to the State of Nevada Department of Business Real Estate Appraisal Division.

I also submitted an appeal to the SLS for their Denail of my Loan Modification.

I have copies of BPO upon your request. 

Thank you, XXXX XXXX
Product: Checking or savings account

I opened a claim with with the CFPB ( XXXX ). Ally Bank indicated they would pay the {$500.00} bonus as a courtesy on or before XX/XX/XXXX, and this did not happen. 

I am currently enrolled in a promotion from Ally Bank where I moved $ XXXX over and then was required to maintain that balance through XX/XX/XXXX in order to receive 1 % on my deposit with a maximum of {$500.00}. The account must be opened and be in good standing to receive it on or before XX/XX/XXXX. On XX/XX/XXXX, I initiated a transfer with XXXX XXXX for $ XXXX. This was a bank holiday, and no transactions were taking place. When I realized that I mistakenly setup the transfer to come out of my Ally Bank account that same day, I quickly called Ally to place an XXXX  stop payment on that transaction. I spoke with a supervisor on XX/XX/XXXX in the early afternoon. The supervisor agreed to waive the stop payment fee since I hadn't had any previous fee waivers. He assured me that the $ XXXX XXXX stop payment was placed and that my Ally funds would remain intact. When I woke up on XX/XX/XXXX, I noticed that the $ XXXX ACH debit had posted to the account. I called Ally Bank and spoke to XXXX who also gave me a good customer service experience. She explained that the transaction hard posted and there was nothing she could do,. I asked he if she could speak directly with her XXXX department to find out what happened. That department didn't open until XXXX, but she offered to keep me on hold for XXXX minutes waiting for the department to open. She finally reached someone from that department who said the stop payment was placed before the transaction took place, but the person who entered the stop payment didn't code it correctly. As a result, the stop payment was not effective. She indicated in the notes on my account that this was a bank error. She said that sometimes there are several XXXX digit codes for XXXX institution. She offered to waive the stop payment fee, but I mentioned the supervisor who placed the stop payment took care of that in advance. I'm asking Ally Bank to pay my {$500.00} bonus. I did everything that I was supposed to do as a consumer to stop the transaction. I placed the stop payment on XX/XX/XXXX, and it hard posted to my account around XXXX on XX/XX/XXXX. I was also told that the colleagues in that department didn't come in until XXXX on XX/XX/XXXX, which means the stop payment wouldn't have been in place on time. Had this stop payment been accurately placed, my balance would have remained above the $ XXXX key level through XX/XX/XXXX, and I would have successfully achieved the bonus payout. I asked about moving funds back to Ally, but was told I would have to do it same day otherwise the balance would drop and the bonus would not trigger. Given that there are so many questions and already a critical mistake made, I was not confident my deposit would work. If I need to re-deposit monies through XX/XX/XXXX, I will do so. Please pay my bonus as I did what I was supposed to do as a responsible consumer. I've also been a customer since XXXX
Product: Credit card or prepaid card

I made two purchases through XXXX for home goods and furnishings. I was charged for these in XX/XX/2018 ( although the good were not delivered until sometime after that. ). 
When the good were delivered they were defective. Because they were defective and the company refused to taken them back ( claiming the return period had ended ) and had refused to give a credit, I notified the issuer of the Credit Card properly to make a claim under the special rule for credit card purchases. This claim ( a copy of which is attached ) was sent to the address the company requested by mail. The letter dated XX/XX/2018 read as follows : XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, Rhode Island XXXX XX/XX/2018 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, Ohio XXXX RE : XXXX Account Number XXXX I am writing to notify you of two claims under the special rule for credit card purchases. The reason for these claims is that the merchandise is defectiveit does not meet the implied warranties of fitness and suitability. Further there are material defects in the merchandise supplied by XXXX to fulfill these orders. ( Pictures are available should you require them. ) Therefore I seek an immediate and permanent credit of : {$220.00} for order number XXXX charged on XX/XX/2018 {$1500.00} for order number XXXX charged on XX/XX/2018 I have tried to work with XXXX to resolve these problems without success. Therefore, I now must rely on my rights under the special rule for credit card purchases and ask that these charges of {$220.00} and {$1500.00} be refunded to my account immediately. 
Kind regards, /s/ XXXX XXXX Subsequently pictures of the defective and damaged items were provided during the " investigation period. '' The credit card company violated federal law by recharging me for these defective good repeatedly and claiming that the " return period had ended '' and therefore there was no remedy available. I have shared all of this information with the House of Representatives Government  Oversight Committee which is apparently investigating why CFPB is no longer doing its duty under the law. 

The defective and damaged merchandise still remains available for the merchant to come and get or inspect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had multiple credit card accounts taken account in my name, rental lease agreements taken out in my name in 2015 in XXXX and XXXX in the city of XXXX, WA. I have had credit cards used in my name for purposes such as XXXX, XXXX, and multiple other companies using my credit card. The charges began in 2015 and have continued to date, even after opening a new checking account with XXXX XXXX XXXX XXXX. I have tried to fight the fraudulent charges but have not been successful and my social security number has been severely compromised. I believe it has been hacked through experian and someone has access to my credit cards and debit cards. I have been rejected from rental applications and jobs because of errors in my credit report.
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
Product: Credit reporting, credit repair services, or other personal consumer reports

IM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THSES ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS. OLD ACCOUNTS SHOULD NOT BE ON MY CREDIT REPORT
Product: Credit card or prepaid card

I am asking for the Consumer Financial Protection Bureau 's assistance in a matter of great concern. 

I was the victim of a purse snatching on Saturday, XX/XX/2020. I immediately reported the theft of my purse and wallet to the XXXX XXXX Metropolitan Police Department ( XXXX  ). Detective XXXX was assigned to investigate the Larceny from Person offense. 

My XXXX XXXX Business Mastercard, issued by Barclays Bank Delaware, was among my credit cards that were stolen. A few fraudulent purchases were made on that card on XX/XX/20, including one on XXXX. The fraud department at XXXX   advised me that they needed my full 16-digit credit card number to track down the order. Only the last four digits of my credit card number ( XXXX ) are listed on my monthly Barclay Business Card statement, so I contacted the fraud department at Barclays for my full credit card number. I was told that for security reasons, Barclays could not release the credit card number to me. My husband, XXXX XXXX, who is the primary cardholder on the business account, was also told that the information could not be given to him for security reasons. I was instructed to have Detective XXXX fax over a copy of his badge on XXXX  letterhead, and the Barclaycard fraud department would release my 16-digit credit card number to him. Detective XXXX faxed over the information on XX/XX/20, as requested. When he did not receive my credit card information, he faxed a second request on XX/XX/20. I confirmed receipt of Detective XXXX XXXX fax with the Barclaycard fraud department on XX/XX/XXXX. As of today, XX/XX/20, Detective XXXX still has not received my credit card number! I have followed up several times with Barclays over the past few weeks, each time confirming with the representative that my phone conversation was being recorded. I spoke with the Barclaycard fraud department again this morning, and once again, I am being told that Detective XXXX XXXX request is still being reviewed by their investigations team! 

I am outraged that Barclays has impeded the XXXX XXXX felony investigation! Detective XXXX is concerned that video of the suspect or anything else that may help him in his investigation may no longer be available at the locations ( XXXX XXXX, XXXX, XXXX ) where my business credit card was used. 

I am now asking for the Consumer Financial Protection Bureau 's assistance in obtaining my 16-digit XXXX XXXX Business Mastercard credit card number from Barclays Bank. No consumer should ever have to go to such lengths to get their full credit card number from a financial institution! Furthermore, Barclays Bank should never be permitted to impede a felony investigation! 

I greatly appreciate the Consumer Financial Protection Bureau 's assistance in resolving this matter.
Product: Debt collection

I have asked ARS to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Product: Debt collection

On XX/XX/2018 I sent a debt validation request to AR resources. I sent the letter certified mail which was signed by a representative at AR on XX/XX/2018. As the FCRA states, in order to validate a debt the creditor must provide proof that the debt is actually mine. From my understanding of the law this proof must be a legal binding contract bearing my signature stating I agreed to pay the amount in question which is currently as of XX/XX/2018 XXXX . I do not recall ever agreeing to this debt. As of the date of this complaint and after talking to AR on the phone several times this has still not been resolved. AR stated to me they mailed a copy of an itemized statement on XX/XX/2018 but as of the date of this complaint I have not even received that. However, even if AR Resources was able to get an itemized statement with pertinent medical information contained they would be in violation of Hippa laws because I dont recall ever giving them or signing a release of information for a collection company to have access to my medical records, let alone on a debt I dont recall by physicians in Texas, Ive never lived in Texas. On top of everything else its been well over 30 days and I have not received anything validating this debt, however its still reflected on all 3 credit bureaus which at this poimy is illegal the debt has not been validated or verified. Staff at AR are very rude and disrespectful when I try to call. They hang up, say they cant help, use profane language, and have really gave me a hard time trying to resolve this. One agent there even told me I should pay my bills and I wouldnt have these problems.
Product: Debt collection

I called few times to remove this collection accounts from my Beureau- cfsi XXXX XXXX XXXX : csfi manager XXXX XXXX XXXX XXXX : on XX/XX/2018 She promised to remove it due to mistake. I have been identity theft victim. Never have been in hospital or any debt and they still reporting wrong and causing me damages I found that 46 like my name have in us but I cant do anything. I sue XXXX ans XXXX ans the paid compensation. I will give company XXXX / cfsi or whatever there name 7 days to remove or will sue them as well. Please advise them for the last time! 
My last XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Advise to my email please : XXXX XXXX