23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

am filing a formal complaint against PayPal for failing to resolve a transaction dispute and instead directing me to handle the matter with my banks. This has caused me significant financial loss, inconvenience, and undue hardship. 

Details of the Incident : Payment App Involved : PayPal ] Transaction Amount : {$1200.00} Details of the Purchase : I purchased an item from a merchant in XXXX for {$1200.00} using PayPals split payment feature. This payment was divided between XXXX debit cards : $ XXXX my XXXX XXXX debit card {$880.00} with my XXXX XXXX XXXX ( XXXX ) debit card Issue with the Transaction : The merchant provided an incorrect shipping address, which caused the package to be stuck in customs in XXXX. I returned the item to the merchant and requested a refund from PayPal.

PayPals Response : PayPal refused to process my dispute and directed me to resolve it with my banks. 
XXXX XXXX processed the dispute and refunded me {$340.00} XXXX, however, stated that PayPal must handle the dispute and refused to issue a refund.

PayPal continues to refuse responsibility for resolving the dispute for the remaining {$880.00}.

Harm Caused : As a result of PayPals refusal to address the issue : I am still out {$880.00} and do not have the product I purchased.

This financial loss has caused me significant hardship, as I relied on this money to cover other essential expenses.

The back-and-forth between PayPal and my bank has caused unnecessary delays, stress, and frustration.

This situation has undermined my trust in PayPal as a reliable payment service and created an undue burden on my personal finances.

Request for Resolution : I respectfully request that the CFPB : 1. Investigate PayPals handling of disputes and ensure they follow proper procedures for resolving customer issues.

2. Require PayPal to reimburse me the {$880.00} I am owed.

3. Hold PayPal accountable for any failures to properly manage disputes, as outlined by federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the payment booklet on XX/XX/2018 from Navient the loan payment is due as of XX/XX/2018, for the amount of XXXX. I started to make the payment as of XX/XX/2018 a week, and I began to pay {$500.00} a week ahead of the due date until today. 
Navinet falsely reported to the credit bureau that I have a late fee on XXXX, amount of {$21.00}, XXXX {$21.00}, XXXX, $ XXXX XXXX XXXX. 
I contacted them on XXXX, XXXX, XX/XX/2018 and requested the explanation for why reported the late fee while I am paying more than the minimum amount, and although the booklet begins as of XX/XX/2018, I started as of XXXX and making the payment a week ahead of time. 
Now again Navient reported to the credit bureau, that I have late on the payment. I have my record which is an indication they received ahead of the due date for more than the minimum amount. I am sick of tired of calling and talking to many clueless people. 
The problem is these people are, answered the call either from XXXX or the XXXX. I am a federal government employee, and such a false reporting will impact my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent an validation of debt letters on XX/XX/2021 to both XXXX XXXX and jpmc. they have yet to send me anything validating the alleged debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ibhave a lot of inquiries on my crwsit I didn't approve and I didn't do it will show in the attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres an apartment community showing as a collection on my credit report with Equifax by the name of XXXX XXXX and creditor by the name of XXXX XXXX which isnt mine..Ive disputed this and its still showing on my credit report ... also theres an apartment by the name of XXXX XXXX and XXXX XXXX on my XXXX  report which I have disputed ... I have never lived at any of these apartments ...
Product: Credit card

There are XXXX unauthorized charges on my statement The first XXXX was XXXX XXXX Car Rental for {$23.00}. I explained in writing and by phone that the charge is nit for anything I know about and XXXX did not know either. The second charge is on XX/XX/year> from XXXX for {$54.00}. I called and wrote explaining I have no idea what this charge is for and I have no idea who the company is. On XXXX  I canceled my card and requested a new card because of the {$54.00} charge. On XXXX a charge for {$140.00} from XXXX XXXX XXXX  was put on my card even though the card was canceled and was at already at my credit limit with no available credit. The {$140.00} was not for anything I know about. I rented a car from XXXX in XXXX and that was the last business I had with that company. I wrote and sent a message online. I talked on the phone for over an hour on XX/XX/XXXX and was assured by XXXX XXXX the problems would be investigated and I would not be penalized for being over my credit limit since I did not make the charge that put my canceled card over the credit limit. I made the minimum payment but it was applied to charges not made by me. Now my new statement says I have to pay the fraudulent charges because I'm over my limit. I have called 3 times and wrote to XXXX XXXX and they have not done anything but send the credit bureau a notice that I am late and over my limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago XX/XX/2020 I requested my credit reports From XXXX XXXX and I did receive them. On XX/XX/2020 I paid for credit reports and have yet to receive them. I even sent them an email and have yet to hear back from them. I also paid for reports from XXXX XXXX XXXX on XX/XX/2020 and have yet to receive them.
Product: Credit reporting, credit repair services, or other personal consumer reports

When submitting a dispute the company is not providing physical information that will let me know they are getting the correct information to post on my report
Product: Credit reporting or other personal consumer reports

I have already filed multiple complaints and due to the Fair Credit Reporting Actk, XXXX XXXX XXXXs failing to comply with the ACT. As required by law, XXXX XXXX  has not satisfactorily investigated my claims. I am also feeling age and XXXX discrimination because when I call to try to explain that I AM NOT the person that opened the account, the agent on the line disrespects me and puts me on hold and one of them said they spoke with me already. I Assured them that They DID NOT speak with me. i feel they have broken the legal obligations to fairly investigate my information and make this right for me. I have been denied retirement and military right and services due to me under the XXXX  XXXX XXXX VA benefits because XXXX XXXX is reporting something that I NEVER opened. I wish to start a class action suit of somekind against this company for opening a credit card in my name without verifying that it was me. I believe they did this once before.
Product: Student loan

My loans should have been fully forgiven last XXXX and are still showing a balance Id owed and are reporting that to the credit agencies. I am trying to buy a house and this is hurting my credit!
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e ( b ) Accuracy of report. Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedure to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ). In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information form the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately :
Product: Mortgage

I do not have a escrow account with my condominium home loan and never did.. 

Over the years, the bank creates an escrow account with false charges such as for fire insurance. Then they pay the false escrow charge from my monthly loan payment and claim that I did not pay my payment, proceeding to ruin my credit. That forces me to make extra loan payments. I have always have made my monthly loan payments plus two that I had paid, cashed by their bank, but never credited to my account. 

I contacted an attorney who said the legal cost to sue would exceed the amount of the two not credited loan payments I made, about {$1700.00}. The attorney said to go to small claims court, but the SC court said that the Bank who has been cheating me does not do business in my home state. 

I have contacted the bank many times and have sent them proof that my HOA pays all required insurance for my loan. I requested a complete record of my payment record but they sent unreadable records which shows that the know that they are cheating me and maybe hundreds of their other customers. Please help, this is the third time I am being cheated. Attached are the current documents. 

.
Product: Checking or savings account

I filing a complaint with the CFPB in regards to capital ones failure to deposit my direct deposit from my employer and any other direct deposits. Capital one has cited technical issues, which may violate the electronic funds transfer act as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to be my rights are upheld.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against EQUIFAX for their failure to remove fraudulent accounts from my credit report as required by law. 
I recently disputed several accounts on my credit report under the claim of identity theft, pursuant to 15 U.S.C. 1681c-2. I submitted a Police Report and an FTC identity theft report ( FTC Report Number : XXXX ) as evidence. The credit bureau acknowledged my dispute but has not complied with the requirements set forth by the Fair Credit Reporting Act ( FCRA ). 
Despite my initial request for the blocking of this fraudulent item, the following account remain on my credit report : XXXX. XXXX XXXX : XXXX 15 U.S.C. 1681i ( 7 ) - Description of Investigation : Pursuant to the FCRA, credit reporting agencies are obligated to provide a description of the investigation within 15 days of receiving a consumer 's dispute. To date, I have not received this required information.

15 U.S.C. 609 ( a ) ( 1 ) ( a ) - Verification Requirement : Per the FCRA, you are required by federal law to verify all accounts and public information through physical verification of the original signed consumer contract and/or judgment ( s ). Without such verification, there is a risk that erroneous or fraudulent information could be included in credit reports. Given the lack of adequate verification, I request the removal of this unauthorized public record information. 

Accuracy Compliance : Additionally, under 15 U.S. Code 1681e ( b ), you are required to follow reasonable procedures to ensure maximum possible accuracy of the information in my credit report. If the information can not be verified, per 15 U.S. Code 1681i ( a ) ( 5 ), I request that you delete any unverifiable information.

Failure to Investigate Accurately ( 15 U.S. Code 1681i ) : After submitting a dispute regarding inaccuracies on my credit report, I did not receive a thorough investigation within the mandated 30-day timeframe. The results of the investigation did not adequately address my concerns.

According to 15 U.S.C. 1681c-2, credit reporting agencies are required to block disputed information identified as resulting from identity theft within four business days of receiving a valid identity theft report. Additionally, under 15 U.S.C. 609 ( a ) ( 2 ) and 1681i ( 7 ), any unverifiable or inaccurate information must be removed from my credit report.

Inadequate Compliance Procedures ( 15 U.S. Code 1681e ( b ) ) : The bureau has not demonstrated that it has implemented reasonable procedures to ensure the accuracy and completeness of the information provided on my report. I am requesting detailed information on the procedures used during the investigation.

I demand that the CFPB investigate this matter and take appropriate action to ensure that this fraudulent account are deleted from my credit report. I expect a prompt resolution to this issue and would appreciate any guidance you can provide regarding my rights in this matter. 
Thank you for your attention to this urgent issue. 
Sincerely, XXXX XXXX XXXX XXXX.
Product: Debt collection

Earlier today I received a phone call in regards to a pay day loan from XXXX from Cash Net USA I want them reported. Not only was I disrespected but I was threatened. I was told that I would be arrested at my place of employment within XXXX hours if I did n't pay {$500.00} at that moment. This was after I received a phone call from XXXX and a voicemail message to return the call. The XXXX I called I spoke to a woman I do n't remember her name. She recited to me my email address XXXX of my former addresses and the last XXXX digits of my social security number. She became short with me when I told her I did n't have {$500.00} today that 's when she told me I would be arrested at my job. The XXXX time I called I spoke to a gentlemen who was very rude and threatened to have me arrested after I offered a payment plan option I could only afford {$50.00} and I was told I needed to get back to work and get the money and if I did n't have {$210.00} now by XXXX the close of business I would be arrested after my information was sent to the States Attorney Office. I have no problem paying a debt if I owe. I will not be disrespected or harassed to do so. If these people had my email address how come since XXXX I have n't received an email or anything stating an attempt to collect a debt?? Please report these people. Thanks for reading this email.
Product: Mortgage

WELLS FARGO HOME MORTGAGE HAS MISHANDLED MY ESCROWS. I APPLIED FOR A MODIFICATION MORTGAGE IN XX/XX/XXXX. DUE TO LOSS OF WORK IN XXXX. I CHANGED HOMEOWNERS INSURANCE IN A ATTEMPT TO LOWER MY MONTHLY MORTGAGE PAYMENT, THE DECLARATION PAGE WAS SENT TO WELLS FARGO HOME MORTGAGE ESCROW DEPT. IN XX/XX/XXXX THE ANNUAL PREMIUM OF {$100000.00} WAS PAID TO XXXX XXXX  XXXX XXXX. ON XX/XX/XXXX  MY REAL ESTATE TAXES WAS PAID TO XX/XX/XXXX XXXX TREASURY DEPT,  {$1100.00}. I RECEIVED A LETTER FROM WELLS FARGO HOME MORTGAGE INDICATING I HAD A SHORTAGE OF {$77.00} IN MY ESCROW I PAID THE {$77.00} OUT OF MY WELLS FARGO CHECKING ACCOUNT. ON XXXX XXXX, I RECEIVED A XXXX XXXX PKG. FROM WELLS FARGO HOME MORTGAGE LOAN IN IT WAS FINAL MODIFICATION AGREEMENT INDICATING I OWED {$1100.00} SHORTAGE IN MY ESCROW. AND THAT MY MONTHLY HOMEOWNERS INSURANCE IS {$140.00} PER MONTH THEY HAVE DOUBLE MY PREMIUM. WELLS FARGO ESCROW DEPT. HAS INDICATED THEY ARE UNABLE TO FIX THIS. MY ANNUAL INSURANCE IS $ XXXX= {$87.00} PER MONTH. THEY HAVE MISHANDLED MY ESCROWS NOW THEY ARE DOUBLE BILLING ME,
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the XXXX data breach. I have identified several errors ( names, social security numbers, addresses, phone numbers, and employers ) on my credit reports that indicate I was a victim of identiy theft.
Product: Credit reporting or other personal consumer reports

This issue is both shocking and upsettingI noticed unauthorized inquiries on my credit report today with no explanation. I tried refreshing my browser to rule out an error, but they didnt go away. I demand that the documents I sent be thoroughly examined immediately so I can put this stressful situation behind me.
Product: Checking or savings account

I have been the victim of unauthorized transactions made on my bank account in the amounts of {$990.00}, {$300.00}, {$150.00}, {$5.00}, {$45.00} and {$270.00} totaling {$1700.00}. I have submitted this dispute regarding these unauthorized charges with my institution and they have yet to return me my money. this is extremely inconvenient as this is effecting my ability to pay bills and could make me end up falling behind on bills which can lead to a lot of other problems like me facing eviction. I Am in extreme distraught and do not know what I will do if my money is not returned to me. I was given a claim ID of # XXXX as well as # XXXX but have yet to receive desired result. I
Product: Debt collection

Chances are that PayPal created other alternatives to harm me. I got randomly hit by a vehicle back in XX/XX/XXXX in connection with PayPal. I've ended up in the hospital and stuck with all these ambulance bills and other bills for no reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CIS XXXX XXXX has violated my rights 15 U.S.C 1681 Section 602 A States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Mortgage

I have applied for a home loan at chase on my rental property which is fully paid off. I was approved for this loan and submitted the paperwork required. I started this process in XXXX and they took out {$600.00} for appraisal fees on the property. The property was appraised for over $ 300k and the loan amount being asked for is $ 50k. The bank seems to be giving me the run around on closing the loan and when I talk to them they continually state that the loan is approved. I had to pay flood insurance on the property and was told that once I got this flood insurance the loan would be closed then they proceeded to ask for paperwork that I previously submitted saying it was incomplete and do not close the alone.
Product: Debt collection

XXXX system a collection for XXXX on my bureau of credit that I don't recognize and I don't know from where came from.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
The following Accounts : XXXX : Lease with 4 late payments in the past 12 months, most recently in XXXX. account. # XXXX XXXX  : XXXX XXXX for {$2700.00}. 
Account # XXXXXXXX XXXX XXXX  : Installment loan collection for {$2600.00}. 

XXXX XXXX XXXX collection for {$1200.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX  collection for {$1000.00}. Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX collection for {$1000.00}. 
account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX collection for {$1000.00}. 

XXXX XXXX : XXXX XXXX collection for {$340.00}. 

XXXX XXXX XXXX XXXX XXXX  collection for {$230.00}. 

XXXX XXXX : Secured loan collection for {$150.00}. 

XXXX XXXX XXXX  : XXXX  insurance collection for {$140.00}.
Product: Credit card or prepaid card

About ten years ago I permanently opted out of pre-approval offers from banks. 

Bank of America has recently sent me mail in violation of the do not contact list. They are the only credit card company to do so in many years. They informed me that I can opt out by calling XXXX, but I'm not interested in doing this again just for this bank that won't abide by the original opt out as all other banks do. 

The contact person in my letter was : XXXX XXXX XXXX XXXX, Bank of America The personal code is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both XXXX and Experian are reporting non-existent " XXXX   XXXX XXXX '' on my reports which are totally fabricated and are negatively impacting my credit score. XXXX has been reporting this made up account ( which is a duplicate of my mortgage account as it has the same name and account number ) since 2017 and I have disputed it 8 times by sending certified letters requesting it be removed. Each time, they respond by stating they " Verified the accuracy of this account '', which is impossible. 

Experian picked this false account up from XXXX  late last year. They do not even list an account name or account number, so are reporting a generic account which does not exist. They, too, have refused to remove this after sending multiple dispute letters via certified mail. They are damaging my credit with an account they can not provide a single detail of. 

Both XXXX and Experian are seriously violating my rights to accurate information in my credit reports per the FCRA. They are also in violation for lying to me about verifying these accounts. They are destroying my reputation, costing me time & money and denying my rights. Nothing I do will stop them. I NEED HELP!
Product: Mortgage

In XXXX I began asking for a repayment plan, and since then, communication has been severely lacking. I asked XXXX XXXX multiple times in XXXX how to send a payment to get currentwhether I needed a certified check or something elseand received no response. Despite following up several times, I never received any instructions or communication regarding reinstatement or a repayment plan. The only documents I eventually received were foreclosure papers from the court. 

I initiated a loan modification in XXXX, but I was never told what additional documents were required until XXXX. At that point, XXXX claimed I needed another pension letter, despite the fact that the original letter I provided clearly stated that the amount would remain the same for life. How could she expect me to get another letter within a few days? I have repeatedly asked if contributors needed to send proof of income, but again, no response. 

To provide clarity, my stepdaughter has moved in, and my significant other, XXXX, is a contributor. Together, we have a gross monthly income of XXXX XXXX brings home {$4000.00} after taxes, XXXX brings in {$1000.00}, and I bring in {$2600.00}. Yet, Ive been told this income does not support the loan. 

I will attach the communication log to highlight the days that have gone by without any response from XXXX XXXX. This situation is unacceptable. I will now be hiring an attorney to assist me, as I will not lose my home. Im also unsure what role the Consumer Finance Agency plays in cases like this, but I will explore every avenue to resolve this matter.
Product: Student loan

Contacted ED financial on XX/XX/22 for a refund on payments made towards a loan during the covid refund policy. have called multiple times and have been given no updates, upon checking online others have been getting refunds within weeks meanwhile I'm going on 7 weeks. Tried asking to get my claim escalated to someone to review looks like this may be the only way. as of today XX/XX/22 online balance still doesn't reflect the refund and nothing has been done to my account.