23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Please refer CFPB Case # XXXX. I was told that once i met the conditions around XXXX XXXX 2022 cash back bonus of {$350.00} will be applied. After 12 days-it 's not been done. When i sent secure email via account on XXXX XXXX 2022, i was asked to call a toll free #. Called on that # on XXXX XXXX 2022, that # stated ... to get call back within 15-30 minutes, provide your number-which i did but no response. 
whom i am XXXX Finally somebody called ( XXXX ) at around XXXX pm XXXX time onwards and after long hold/wait - I was told that they will call me tomorrow with an update. I feel like I need to keep on asking them to provide my legitimate cash back bonus until I get that.
Product: Credit card

I contacted my bank in reference my credit card having a charge that I would like to dispute. The issue is I rented a car from XXXX XXXX XXXX and was told that I would be charged one amount ( Under {$300.00} ) but was charged {$560.00} for a car that I indeed picked up from the airport but the car had mechanical issues so I never got to use the vehicle. XXXX refused to refund me my money back although I paid for a product that I was never able to use. Apparently this vehicle had just be picked up from the impound and had been in an accident. XXXX XXXX knew of these issues. Again I disputed the transaction with my bank because I paid for a service that I never received. My bank refuse to process my dispute.
Product: Credit reporting or other personal consumer reports

I recently filed a dispute with experian regarding fraudulent accounts and successfully had them blocked and removed. However a few days later I noticed that a few fraudulent inquiries remained on my report and decided to call in and dispute the inquiries. This created a completely unrelated dispute from the previous accounts, however the representative took it upon himself to place me on hold and reffer back to the prior dispute and delete an accurate account without my knowledge or consent. Just disputed the account on his own. This account was my XXXX XXXX XXXXXXXX 100 % paid off auto loan, the prior dispute listed a XXXX XXXX XXXX credit card which was already removed and displayed completely different account numbers. When I noticed this I called and was on the phone with fraud specialist XXXX ID # XXXX for 1hr and 48 minutes only to be told that basically I have to '' contact XXXX XXXX XXXX on my own to fix the error and I was at fault because i didn't specify the account details in my dispute letter ''. This statement is a complete lie and the response is completely unacceptable false and offensive. I asked for a supervisor whom I was told wasn't available and was never given a call back.
Product: Credit reporting

I have XXXX items on my credit report Trans Union refuses to investigate Chapter XXXX bankruptcy account # XXXX XXXX account # XXXX XXXX XXXX account # XXXX
Product: Mortgage

My home was destroyed, and my insurance company issued {$100000.00} in funds. The mortgage servicer is Newrez Mortgage Servicing. 
On XX/XX/scrub> 2025, my insurance company wired the funds to Newrez, but they denied the wire. 
A physical check was then mailed to me, which I endorsed and returned to Newrez. 
They received the check on XX/XX/year>2025. 
All required documentation to process the claim was submitted by me on XX/XX/year>2025. 

On XX/XX/year>2025, Newrez claimed they mailed a partial disbursement of {$40000.00} via XXXX. However, when I contacted XXXX, they confirmed that no pickup was made from Newrez on that date. I personally paid for the XXXX label to ensure safe delivery, yet the check was never sent. 

Newrez has now told me that reissuing the check will take 35 business days, or more, despite the delay being entirely on their part. I have been without these critical funds for over a month, unable to begin necessary repairs on my home. 

I have only been allowed to speak with call center representatives and have not been provided access to anyone with the authority to correct this. Their delay has caused severe financial harm to me and my family, and they are failing to act in good faith or uphold their fiduciary responsibility as a mortgage servicer.
Product: Credit card or prepaid card

I had paid my Best buy bill which was for a total of {$100.00} in store on XX/XX/2017. The due date is on XX/XX/XXXX. I continued to check my account balance for the entire week. No payment was applied. It had appeard as if I did not make any payment at all. 

The day before I called the XXXX customer service number. I made an attempt to send an email message. The Message included a reciept authorization number located on the reciept to show them I indeed had made a payment and the number was proof of payment. I recieved an emailed response claiming that there was no record of payment. 

I called the XXXX Customer service number located on the card. Once I was able to speak with a person. I was told that there was no record of payment. I explained that I had made an in store payment on XX/XX/XXXX and that I had the reciept in front of me. I also informed the person that I sent an email message the evening before. The person said I needed to be transfered to a specialist. I was on hold for about 3-5 minutes. I never spoke with the specialist. I was informed by the same person that told me I needed to speak with the specialist that they have my payment information on record and that I have a XXXX balance and that it would take 7-10 days to show on my account. I was also told that if a late fee is applied, that it 'll be waived. The person also claimed that this is not the first time this happened. I asked the person if there was any information they needed from the reciept before we disconnected from the call. I was told no more information was needed. 

This is my first negative experience after making an in store XXXX bill payment. I suppose there are issues with staff or processing payments. I 'm not sure which, either way this is an inconvenience for me who always makes payments on time and pays in full. My concern is that this mistake is going to be added to my credit report. Without any fault of my behalf.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Request for Description of Investigation Process - Disputed Accounts on my Credit Report Dear CFPB, I am writing to follow up on my initial dispute, submitted on XX/XX/XXXX, regarding inaccuracies reported for the XXXX XXXX account on my credit file. Despite this prior dispute, no corrections have been made, and the inaccurate information remains on my report. This continued failure to correct the errors is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681, which requires consumer reporting agencies to maintain accurate and verifiable information. 
Account Details Account Number : XXXX High Balance : {$52000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Balance Owed : {$23000.00} Account Status : Open Payment Status : Current Payment History Inaccuracy : Reported 30-day late payments in XX/XX/XXXX. 
Nature of the Error The reported late payments are inaccurate and do not reflect my actual payment history. 
The discrepancies are as follows : XXXX : Reported 30-day late payments for XX/XX/XXXX and XX/XX/XXXX. 
XXXX and Experian : Reported XXXX late payments for XX/XX/XXXX and XX/XX/XXXX. 
These reported delinquencies are erroneous. I have consistently made all payments for this account on time, and the account should reflect a status of " Paid As Agreed Never Late. '' Request for Investigation and Correction As per the FCRA, I am requesting the following : A detailed description of the investigation process you conducted after my initial dispute on XX/XX/XXXX, including the methods and procedures used to verify the accuracy of the reported late payments. 
Documented evidence provided by XXXX XXXX or any other relevant source to substantiate the claim of late payments.

If you are unable to verify the accuracy of these reported late payments, I demand that this account be corrected to reflect its accurate status as " Paid As Agreed Never Late. '' Legal Obligation Under the FCRA, you are required to investigate disputes thoroughly and correct inaccuracies promptly. If the disputed information can not be verified, it must be removed or corrected within the legally mandated 30-day timeframe as per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ).

Failure to comply with these obligations not only harms my credit report but also violates federal law. If this matter is not resolved within the required timeframe, I will escalate the issue to the Consumer Financial Protection Bureau ( CFPB ) and pursue further legal action to ensure my rights are protected. 
Summary of My Expectations Remove the inaccurate late payment marks for XX/XX/XXXX and XX/XX/XXXX from XXXX, and for XX/XX/XXXX and XX/XX/XXXX from XXXX and Experian. 
Provide written confirmation of the corrections made to my credit file.

Supply a detailed explanation of the procedures used to investigate my dispute.

Thank you for your immediate attention to this matter. I look forward to receiving your response within the XXXX timeframe mandated by the FCRA. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. I'm looking forward to the immediate update and correction of the following items that are harming my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$610.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX XXXX XXXX : {$700.00} ; XXXX  XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$2200.00} ; XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$220.00} ; XXXX XXXX XXXX XXXX : {$600.00} XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$2300.00} ; XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$1200.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$4900.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$590.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} ; XXXX ( Original Creditor : XXXX XXXX  XXXX  XXXX XXXX XXXX : {$700.00} ; XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$890.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX MD PA ) XXXX Balance : {$600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$140.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have debts on my credit report from   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and  XXXX  that are all listed as charged off/past due. However, all debts listed on my credit report have been satisfied with each creditor. I have contacted all parties and in some instances it 's has been more than 60 days without them correcting the information on my credit report.
Product: Debt collection

Representative of " FMS Financial '' contacted me at approximately XXXX via my work phone and cell phone. Representative " XXXX XXXX '' ( I beleive was his name ) was extremely agressive and hostile, yelling and screaming and would not allow me to ask questions or otherwise speak. He was also " huffing and puffing '' in anger during the call. Before I could request that his company only contact me in writing, XXXX XXXX slammed the phone down threatening to sue. The number he called from was XXXX.
Product: Mortgage

I am writing to formally express my concerns regarding the recent appraisal of my property by XXXX XXXX ( XXXX XXXX XXXX ) on XX/XX/year> from XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX FL XXXX. After careful review of the comparable properties he submitted, I am compelled to question the valuation placed on my home. It appears that the XXXX selectively chose only XXXX underpriced/outdated/smaller properties, which are not actually comparable to mine, as they are smaller in square footage and consist of only XXXX bedrooms and XXXX bathrooms, whereas my property is a larger XXXX bedroom XXXX bathroom newly XXXX home. His choice in substandard properties seems rather peculiar, especially when there are numerous other properties that align more closely with the characteristics and market value of my home. The addresses of the appropriate properties are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX  XXXX XXXX, XXXX, FL XXXX The decision to focus on the specific properties he did, raises questions about the objectivity of the appraisal process. By disregarding the more relevant comparable, it feels as though the appraisal has been intentionally skewed, resulting in a valuation that does not accurately reflect the true worth of my property. Based on the comparable properties I provided, my property should be assessed at a minimum of $ XXXX {$290.00} per square foot, whereas he has me at $ XXXX. Not only was the valuation itself an issue, but he also failed to meet the first XXXX deadlines for providing his appraisal report. I then requested a new XXXX when he was in the wind, but was not granted a new XXXX. I am still awaiting his reply to my rebuttal. It has been XXXX weeks since it has been submitted and he has missed XXXX deadlines for his rebuttal submissions since then. Cross Country Mortgage is the lender and is encouraging me to file this complaint because they know this is wrong but " their hands are tied ''. XXXX XXXX and XXXX XXXX have raised serious concerns as to the honesty and efficacy of their appraisal program. I trust that you take these matters seriously and would appreciate your prompt attention to this issue. I look forward to your response and hope for a resolution that reflects the true value of my home. Sincerely, [ Your Name ] [ Your Contact Information ] [ Your Property Address ]
Product: Debt collection

Back in XXXX of 2020 I had my son via csection I went back to work early even after my doctor advised staying out longer to heal and I declined due to bills needing to be paid on time. I had a great paying job and never had issues with paying anything on time until XXXX of 2020 ; a terrible pandemic happened. A week into returning to work I received a phone call with having a 6 week old stating my job was being shutdown due to 5 people contracting COVID and I was exposed to those people so the entire restaurant had to be shutdown until further notice. I still kept on with paying my bills on time without any income coming in being grateful for the savings account I had. Time ran its course and I couldnt return to work until mid XXXX when I received a phone call stating I am able to return to work ; because of this in return bills started piling up. I contacted the leasing manager for Maple Leaf Apartments ( XXXX XXXX ) via phone call which they state all calls are monitored and recorded of my then apartment complex letting him know Ive exhausted all my resources and I asked would there be any penalties for breaking my lease to move in with family to get back on my feet with an infant and daycare also being shut down due to COVID at this point all my bills were current. Rent wasnt late, never have been. I reached out before it got bad for me financially because I still had to provide for my infant. I was verbally told by XXXX XXXX that there were no penalties and that our rent was paid for that month and we would be free to go. I asked several time and he assured me that there were no penalties for having to break my lease during such a terrifying time. Apparently that was false because a debt collection hit my credit which I wasnt notified about til XXXX of 2020 by IQ Data International and that was by me using XXXX to find out where this was coming from. They have called several times aggressively after I was trying to find out information on why I was being told I have to pay {$3000.00} without an explanation Ive tried to get them to explain to me what was going on because I was extremely confused which has gotten me nowhere. After every call they never sent out a letter to me within 30 days or even at all. I have a video still of that specific apartment with the date to prove there was absolutely nothing wrong with the property and I still have no answers after speaking with them just trying to force me to pay and be extremely rude with inaccuracies regarding the property that I only lived in for 6 months. Please help me. Ive tried to upload the video for proof of the property being in perfect shape but the video is a little over 2 minutes long so the file is too big. If there is another way to send over this video because it is important I have no problem doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX LATE PAYMENTS Balance details Paid off - Balance - Balance updated - Original balance {$2500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Secured Loan Payment summary XXXX XXXX XX/XX/XXXX - XX/XX/XXXX- XXXX XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - XXXX - XXXX - XXXX - XXXX - PAYMENT HISTORY LEGEND Status Paid, Closed. 
Status updated XX/XX/XXXX Original balance {$2500.00} Monthly payment - Last payment date XX/XX/XXXX Additional info XXXX XXXX XXXX 120 Months XXXX sold - Original creditor - Comments- Your statement **CONSUMER STATEMENT** ITEM IN DISPUTE BY CONSUMER Contact info Address XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX number ( XXXX ) XXXX RESPONSE DISPUTE 15 U.S. C ode 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

I am filing a complaintagainstCash 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 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: Checking or savings account

I was scammed by someone claiming to be from Wells Fargo and cashed checks I didnt authorize. They closed my account and they owe me XXXX and up. They wont even say I existed
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation : address not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FCRA Violation : credit card not mine XXXX XXXX XXXX FCRA Violation : XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation : hard enquiries not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Violation accounts not mine remove from account .
Product: Credit card or prepaid card

Chase said I forfeited my points due to a closed account XXXX XXXX XXXX I closed the account due to the higher {$550.00} fee than I originally agreed to. They will not give me the XXXX points from my account. I was never alerted to the forfeiture of the XXXX points. I also have an active chase mortgage account but they will not count that as an open account. 

I offered to reopen the account or open a new account but they will not do anything to rectify this issue. 

I called to close the account on or about XXXX. I was notified it was actually closed XXXX. I contacted chase about the missing points on or about the XXXX of XXXX. 

Ive contacted them twice via phone once via social media and went to a branch to try and get some help. They all were not able to help me or provide the cancellation call where they informed me I was going to lose the points.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX XXXX  XXXX XX/XX/2021 XXXX XX/XX/2021