23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I requested a 1099-c when my account was charged of. They charged my account of and never provided the proper form for me to apply to my taxes. They also proceeded to report late payments and continue to collect payment. They charged off the account and I still ended up Paying the balance in full to have this account removed. Again, they did not fulfill the agreement of removing this item. So, this item has been disputed again due to the lack of providing proper documentation, verification, and illegal reporting on my credit. I will need to proceed with legal action if this is not resolved and or removed completely from all of my credit report accounts.
Product: Credit reporting or other personal consumer reports

XXXX I am filing a complaint against XXXX for failing to propery investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Money transfer, virtual currency, or money service

Hello, this matter is in reference to case number XXXX XXXX I was contacted by XXXX from PayPal stating " we won't be able to refund the payment or close the case in your favor because the item was delivered to the same address we have on the shipping details, signed by XXXX XXXX ''. I never stated that the package " wasn't delivered ''. I stated I never received the package ''. The item was indeed delivered but left outside of my screen door, which I have attached a picture to this message. However, the XXXX left the package in an area making it easier for anyone to walk pass my house and take it. The XXXX  also did not ring the doorbell, nor did the XXXX  knock on the dooras I was home all day. When I finally did track the package and seen that it was delivered, the package was no longer outside of my door. I have contacted the seller on multiple occasions about this issue, and no help was provided. Ive also contacted XXXX and was not able to file for a missing/lost package. PayPal insist that I file a dispute with my financial institution, however, the transaction was placed through my PayPal account using my PayPal balance. Ive been trying to get this issue resolved through PayPal since XX/XX/XXXX of 2022 and still its ongoing. I would like to be refunded for this transaction, as Ive never received the package and this issue settled. Thank you!
Product: Bank account or service

On Friday XXXX XXXX, 2016 I suffered double discrimination at Chase Bank when my wife and I tried to open a joint checking account. I presented my driver 's license and an ATM from another bank for ID 's. My wife presented her driver 's license, but she did n't have an ATM. The bank officer requested a passport which my wife did n't have. We asked him if we could present other documents, but we did n't have those. I asked again and he was rude and insisted and insisted on paystubs, passport even an alien card? We are Americans ( XXXX ). My wife got really upset ( crying ). This person was talking to us like we were criminals. I 'm also a XXXX person. I asked for a supervisor who instead of apologizing for his worker 's actions he made things worst. Then, I suggested if we could present social security cards and both looked at me with surprise like I never had one. Then, the manager said we could be use the social security cards as IDs. I asked why the bank officer did not mention that at first place and avoid all that trouble? The manager 's answer was that his worker did n't have that in his mind in first place. I told the manager why does he give a job to a person with very poor customer services skills, arrogant and disrespectful. It 's like they did n't want me to open an account or do business there based on my appearance and my economy. I do n't make millions. Neither the bank worker or the manager apologized for that horrible experience. This an act of discrimination in plain view light in the 21st century. It seems this has happened before, otherwise, they would n't do it. Of course they will deny everything, but these actions of ignorance need to stop now.
Product: Checking or savings account

Hello, I am an online checking account customer with E*TRADE ( now owned by XXXX XXXX ) . Unfortunately, it is essentially impossible to contact E*TRADE to manage account requests, such as getting new paper checks. I have been trying to get paper checks from E*TRADE since XX/XX/2021 and have been unsuccessful. E*TRADE has no physical locations, so it is only possible to contact the company ( i ) by electronic message or - if I need immediate assistance -- ( ii ) by telephone. ( E*TRADE purports to have a " chat function '' but it has not worked for months. ) Unfortunately for those who need immediate assistance, there is essentially no way to contract E*TRADE because telephone wait times can be 90 minutes. I have a baby son and am unable to wait on hold that long to obtain service. 

This is a relatively new problem with E*TRADE - customer service was ok until recently - I suspect this has something to do with the XXXX XXXX acquistion . 

Thanks.
Product: Mortgage

Starting way back in of XXXX. I was laid off from my position at work due to the impact of Covid in my industry. We fell behind on our mortgage payments. In working with our lender. Both parties agreed to a 6 month payment plan. After which the 6 months of mortgage at a higher monthly payment was made. We were returning to our original monthly mortgage payment. The monthly mortgage payment was not adjusted back to our original payment. The lender stated that we are still under review and to keep making the payment at the higher rate until notified. This was not what we agreed upon. We hired an a Law firm to argue on our behalf. We went through the whole process again. Instead of paying the lender. We were now paying the law firm. We finally received a loss mitigation letter. I received the letter on XXXX XXXX. The lender decided on a large upfront payment due on the XXXX XXXX. Then a larger monthly payment for the next 6 months. Not stating anywhere on the letter when we will be approved. 

I have requested a copy of our original loan agreement by certified mail and email to the lender with no response. There are other practices like not receiving a demand letter from the lender. When the demand letter officially started. A hard inquiry of our credit reports without any permission. That I believe to be incorrect. We have submitted every item requested and continued to keep up with current request from the lender. This whole time we are falling more behind on what we owe. When were in an agreement that was not held up by the lender.
Product: Checking or savings account

My debit and credit card was stolen in my hometown XXXX alaska around XX/XX/year> and XXXX big purchases was made in different stores, XXXX small ones as well in gas stations, whatever the bank only claim the big ones which was fine i did not care, i did a report with the police right away when i notice about my stuff being lost ( my whole purse was ) anyways the bank proceed to reinburse some of the money but they never mention was temporary, now that the claim is denied, i have to pay back that money! So im so frustated not only i got stolen but my bank did not found proofs enought for this, now im on negative numbers in debt with them. Debit cards are blocked with pin numbers how the heck this happened? Also a signature should be requested! Come on!
Product: Mortgage

Please be advised that this office represents XXXX and XXXX XXXX in connection with an effort by XXXX and XXXX XXXX to have their home loan modified. This file is much more than bare numerical calculation of expense and income, and it is our desire to be able to speak directly with the decision maker on this file. We are setting forth in this letter, reasons we feel warrant a forgiveness of the entire loan balance in this matter. 

As a reflection of both their good faith and dire need for a correction of the past deeds of U.S. Bank Home Loans, XXXX and XXXX XXXX are now coming to you and your company to enlist the support for a full principal loan balance forgiveness of the mortgage on their home. Per our borrower 's authorization that is enclosed, please direct all correspondence and communication on this file to our offices, and not to XXXX and XXXX XXXX. That is the desire and request of our clients, as per the authorization. If there is any further action that we need to take, and documents that we need to submit, in order to proceed in this fashion, please let our office know. In the past, my experience with U.S. Bank Home Loans, has been there is some disorganization and/or misdirection in the modification application process. 

I am sending this communication directly to your offices in the hope that this will be the efficient manner to facilitate a loan modification on behalf of our client. In addition, upon receipt of this package, I am requesting that the person on your staff who has the authority to speak with XXXX regarding our concerns would contact me immediately to review with me any additional information I would need to submit to arrive at a modification which is successful to my clients, as well as to discuss what we believe to be reasonable and appropriate terms of such a modification. 

This loan contains a " Balloon Note, '' dated XXXX XXXX, 2007 at a 9.375 % interest rate, in the amount of {$120000.00} ; is a predatory loan, and must be completely forgiven. This loan was a scheme on the behalf of U.S. Bank to further entrap them in their home. 

XXXX and XXXX XXXX have suffered through a number of Legal Offices which have coerced them into spending money for a loan modification ; these Legal Offices have been reported to the Proper Authorities, as they did nothing to help XXXX and XXXX XXXX to keep their home from foreclosure. 

Very Truly Yours, XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XXXX XXXX someone sent me $XXXX via my PayPal account.i received an email from PayPal my money was available. When I tried to deposit in my bank account it would not let me. I was leaving next day for vacation out of country. I contacted PayPal via live chT and was told that randomly happens and to retry in 3 days. After waiting I tried again and it would not let me and I was told their is a limitation placed on my account. I could not call bc I’m out of country so I did live chat again and was told I to send in requested info and wait 5 days. I couldn’t send a complete bank statement only version on my mobile acct. the next day they requested all my credit and info. I recto give that to them whereas I had been getting phishing emails from PayPal and had forwarded them a few months ago. They told me it’s in their contract that they can withhold my money, I never read or signed that and if there was any problem they didn’t even. It icy me via email or phone call. I don’t understand how PayPal can keep my money for 6 months, not allow me to refund sender so he could just give me by check or give me MY money. I expected thus money to pay bills. This is deceitful practice, just keeping my money and not telling me why let alone informing me. I want my account closed whereas I do not trust the safety of PayPal with my personal info yet they wont let me close it. I tried to make a dispute via PayPal option but it didn’t let me, it stated since I received the money they couldn’t do anything and to contact sender. I contacted sender and he called them and PayPal told him since I received the money he had to request refund from me, which PayPal will not allow me to do.i demand my money be released to me and my PayPal account be closed whereas I want nothing to do with PayPal. They stole my money and say I’m guilty of who knows what, I’m innocent of who knows what until they prove me guilty and then they could collect money, but I did nothing wrong just sneaky tactics on PayPal side.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, transunion and XXXX keep reporting a XXXX XXXX bill on my credit profile that doesnt belong to me. niether company wont tell me what address that this bill is attached to. this is messing me up from applying for apartments on top of it not belonging to me
Product: Credit reporting or other personal consumer reports

Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Product: Consumer Loan

I leased a vehicle from Toyota in XXXX. In XXXX the vehicle was shot while sitting in my driveway. The damage was small, but I filed a police report and opened a claim with my insurance company. In XXXX, I was told by the XXXX registered lease turn-in inspector that the damage was too slight to qualify as excess wear & tear, but I kept the insurance claim open just in case. I turned in my lease, fully paid, in XXXX. In later XXXX I received a bill from Toyota for excess wear & tear due to damage from the gunshot. I called Toyota and my insurance company. I was assured by my insurance company that they would take care of it, and Toyota was well aware that I was not responsible for the payment. However, in XXXX I received a collections letter threatening litigation on behalf of Toyota for the same bill. I wrote the collections company a letter and immediately contacted an agent at my insurance company. I was told they were still working to resolve the claim, and they apologized that I had been contacted by a collections company. I eventually had to conduct a three-way call between my insurance company and the collections company in order to authorize the collections company on behalf of Toyota settle the matter with my insurance company. After it was resolved I spoke to Toyota and was assured that this would not have any impact on my credit, and Toyota apologized for placing the bill in collections in the first place. Nearly 2 years later while applying for a loan I discovered that I had a Toyota account reported to the credit bureaus as a collection, which lowered my credit score by over 100 points, and disqualified me from loans. This account never should have been marked as a collection, and never reported to the credit bureaus as such.
Product: Credit reporting or other personal consumer reports

The information with XXXX XXXX XXXX XXXX is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent out a letter to XXXX XXXXXXXX XXXX XXXX to dispute inaccurate information on my credit profile.For your records, I have enclosed a copy of my correspondence and mailing receipts with the collection agency. They have failed to validate this debt and I have nothing proving my obligation to pay this debt. This debt is not mine
Product: Mortgage

Citizens One is incorrectly posting EXTRA payments, earmarked for principal only, to interest, future payments ( not yet due ). 

We think Citizens One is doing this to thousands of others, thereby increasing their profits illegally and fraudulently ... or at least negligently. We think it is intentional as our detailed letter will demonstrate. 

We would like to send you a copy of the letter we sent to our Senators, XXXX XXXX and XXXX XXXX to help you understand. Where can we send it? We would prefer to scan and email it to you if at all possible.
Product: Checking or savings account

Urgent Request for Proper Investigation of Fraud Claim - Reference : XXXX Dear Chase Fraud Operations Team, I am writing to express my serious concerns regarding the handling of my recent fraud claim. My claim was denied within a few hours without a thorough investigation. I reported my wallet lost, which included my Chase card with the PIN written on the back. Subsequently, XXXX fraudulent transactions totaling {$6000.00} occurred. However, only a few of these transactions were negligently and improperly investigated. 

Additionally, I requested documentation related to this case, which I have yet to receive. It appears the decision was made based on limited information rather than obtaining comprehensive evidence from the merchants involved. Upon contacting the department, I was informed that the dispute can not be reopened and decision is final, which contradicts consumer rights for victims of fraud. I demand a proper investigation into this matter and an escalation of my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of fraudulent activity.
Product: Mortgage

Due to an error ( not submitting insurance payment from our escrow ) on the part of the Mortgage Servicer, beginning 2 years previous of notification to me, I was placed on " Force-Placed '' Insurance, and the payments went up from aprox. {$1900.00} per month to almost {$2600.00} per month. 
Even after we got our own insurance, we were considered a " High Risk '' insurance, and ca n't get the rate we used to have, but now have a {$2300.00} per month payment to deal with. 
I want to get my old payment back, as now this is a major struggle to meet payments, and I fear that I will lose my home due to someone 's ineptitude. 
HSBC 's attitude has been one of aloof indignation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint through the XXXX XXXX XXXX as well as the Consumer Financial Protection Bureau on XX/XX/2019. 

This complaint related to erroneous information placed on my credit report by Freedom Mortgage. 

Amazingly the very next day, Freedom Mortgage shifted alot of the disputed funds around to the correct locations. I have disputed the incorrect information reported to the Credit Bureau in XXXX of 2019 which reflected I was 30 days past due. However this was due to Freedom Mortgage 's inept customer service and the fact they used the wrong account information provided to them fpr payment. After the payment was returned for this reason I re-submitted the payment. Which caused me to be 30 days past due. The fact that I was 30 days past due XX/XX/2019 which was solely their fault. I have spoken with my financial insitution to confirm these errors commited on their behalf. 

I am a 100 % XXXX Veteran and this is a Dept of Veteran Affairs Loan. I feel that all of these problems were purposefully done by Freedom Mortgage because I backed out of continuing the refinance process ( XX/XX/2019 ) with them. Since then I have had several misapplied payments as well as spoken with over 20 representatives almost on a weekly basis. Each representative is uninformed and I have to reexplain every thing to them and they can not give me an explanation. The ones who have provided some explanation, always have a different explanation. Furthermore, they have insisted that they could not correct these misapplied payments because they have already been sent to their investors. Which is when I filed complaints. The fact that Freedom Mortgage corrected all misapplied payments the following day, shows an admission of guilt/mistakes on their behalf concerning my account. 

Today, XX/XX/2019 they updated my credit report with a date of XX/XX/2019 reflecting that I owe more than I currently do according to the statement they sent me. This makes the credit bureaus see it as an increase in my debt. Unfortunately, I can not unnecessarily refinance my home with another company or I would certainly do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these filesXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ; If the credit bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following XXXX account for inaccurately reporting on my credit report for the past several years on Equifax. Proof was sent as an additional reference from XXXX to Equifax. Late payments have been posted to both accounts ( XXXX, Equifax ) inaccurately. On XXXX it says that I was 30 days late on XX/XX/XXXX, but on Equifax it says I was 60 days late on XX/XX/XXXX. In addition, there are several inaccuracies of late payments. Per Section 15 U.S.C. 1681i. I requested Equifax to delete the following account for inaccuracy on my credit report. This letter ( along with proof ) was sent on XX/XX/XXXX. I received response on XX/XX/XXXX saying that the account was verified.