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

Dispute of Inaccurate Credit Report Information Dear Sir/ Madam , I am writing to dispute incorrect information on my credit report. After reviewing the report dated XX/XX/XXXX, I found several errors that need to be rectified as soon as possible. Please find below the specific discrepancies I have identified and my request for corrections : 1. Name Discrepancy Incorrect : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of XXXX XXXX : XXXX Correct : XX/XX/XXXX XXXX. Address Discrepancy Incorrect Current Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX Correct Current Address : Incorrect Previous Address : XXXX XXXX XXXX, XXXX, PA XXXX Correct Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Correct : XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX 4. Employer Information Incorrect : WFS Correct XXXX XXXX XXXX  New York Please investigate these discrepancies and correct them promptly. I have enclosed a copy of my Pennsylvania Limited License for your reference and to verify my identity. I trust that you will update your records and reflect the accurate information in my credit report. 

If you require further information or documentation, please do not hesitate to contact me. I expect a written confirmation of the changes once they have been made. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Mortgage

On XX/XX/XXXX I made my first mortgage payment to guaranteed rate. The payment was for my first payment sue XX/XX/XXXX. I was made aware that the servicer of the loan ( guaranteed rate ) would be switching departments somewhere between the first and second payment. This would provide me a new account/loan number. This seemed fine and I was assured any payments made would be transferred to the new servicer. I made my second payment on XXXX XXXX for the second payment due on XXXX XXXX. Since then I have been receiving mail stating my account is overdue. When I followed up I was told there was likely a delay between the two servicers. After one or two follow up calls I requested a supervisor and that an investigation be started. After being told multiple times i would receive followups with updates, I receive none. However I continue to get calls from Reps asking for my payment ... All in all Ive spoken to about 10-15 different representatives. Each conversation nothing gets resolved. Ive provided multiple emails with loan info/documentation, bank statements, receipts, contact info for the reps Ive spoken to. Now my next payment is approaching ( which I confirmed that I have DD setup ) However I was just made aware, after numerous phone calls, that my DD will not go through unless my account is up to date. Which on guaranteed rates end it is not. So while the issue is still ongoing Im expected to either make 2 payments ( one of which is DD ) in 2 days, or make 0 payments while I await a resolution. Ive been in contact with my bank as well to obtain more information regarding the initial transaction. All in all, I felt as if I was doing the right thing making my payments ahead of time and following the payment recommendations of my loan officer/Cust service reps I spoke to. However this has been one of the most time consuming and frustrating experiences. I would not recommend using Guaranteed Rate.
Product: Credit reporting or other personal consumer reports

I have sent all three of the credit reporting agencies and XXXX XXXX XXXX, a letter requesting validation of the debt letter Under 12 CFR 1006.34 ( c ) and USC 1692g ( a ). I have sent Experian, XXXX, and XXXX letters asking to validate the debt, not by simplifying accepting codes ; I request that the E Oscar system verify them. I have also mailed XXXX Resorts a letter, which was signed and dated XX/XX/, and I have not received any validation letter within 30 days. I have sent proof to Experian and XXXX showing evidence that the company has not validated any debt or sent me anything in writing. Both credit reporting agencies only sent me a code request for the 3rd time. The law clearly states that 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

( a ) Reinvestigations of Disputed Information ( 1 ) Reinvestigation Required ( A ) In general, subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers 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 by paragraph ( 5 ), before the end of the 30 days beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

( 5 ) TREATMENT OF INACCURATE OR UNVERIFIABLE INFORMATION ( A ) In general, 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 from 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. 


You are now notified that you have violated 15 USC 1681i, and this account should be deleted immediately ; the credit reporting agencies are not following the law given to the consumer or creditors to abide by.
Product: Credit card

I have had a Discover card since XXXX in which they have advertised for decades a " 1 % cash back bonus ''. ( See the attached XXXX which references this. This was how Discover entered into the credit card business was with the 1 % cash back bonus to compete against Visa and XXXX XXXX and MasterCard. Tonight I called Discover because my cash back was much less than 1 % and I spent approximately {$11000.00} in XXXX. The whole year I 've only earned {$270.00} in cash back bonus but spent {$41000.00} on my Discover Card. So my cash back bonus should be {$410.00}. I find out that because my anniversary date of joining Discover is in XXXX my cash back is only XXXX up until I spend {$3000.00} in XXXX. This is false and deceptive advertising - no where does Discover say that this happens on your anniversary date - which conveniently for them is the month that I spend the most for the holidays. Further, I found out from the service rep who I spoke to that they now have a special card called an " IT '' card ( which I have never heard of ) that offers 1 % to customers who joined since XXXX that does n't have an anniversary date catch. So not only have I been ripped off for 30 years but now new customers get the 1 % automatically. But I would have to replace my current card with this new " IT '' card. That 's just crazy! Why did n't they give their long-time customers the IT card automatically?? I am sure most of us do n't even know IT exists!! Or a better question - why create another card when my card is supposed to pay 1 % cash back? Why would I voluntarily choose to have a card that pays XXXX over one that pays 1 %?? 

Discover Card needs to stop false advertising. None of their current TV advertising about the 1 % cash back bonus says " if you are a long-time customer this does n't apply to you ''. This is just another scam like the XXXX XXXX scam. Discover Card ca n't get away with ripping off long-time customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance : {$3100.00} ARS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$910.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$1400.00} XXXX  XXXX XXXX Balance : {$5300.00} XXXX XXXX  XXXX Balance : {$1400.00} XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

BAC directed us to contact the assigned customer relationship manager ( CRM ) XXXX XXXX, at XXXX, extension XXXX, in order to initiate a short sale review. 

We have called several times and left several voicemails both for XXXX and her manager. Neither XXXX nor her manager will call us back. 

****No one at BAC will follow the direction of their own Resolution Specialist, XXXX XXXX from their Regulatory Complaints department. **** -- -see attached from XXXX XXXX XXXX 

THIS IS NOT ACCEPTABLE. 

CC : XXXX XXXX, California Attorney General
Product: Mortgage

This is the third time I am filing the same complaint against the same company. All you do is contact the company for them to reply. When are you going to step in and do the job my taxes are paying you to do?      SunTrust Mortgage ( Loan Number   XXXX   ) con sistently misapplies my payments. I make my payments e very two weeks i n the amount of {$550.00} for a monthly mortgage payment of {$1000.00}. This leaves an additional principal payment of {$99.00} each mon th. SunTrust ha s been applying the full {$550.00} to the principal, rather than applying it to the monthly payment. Then, when the  XXXX  of the month comes along, since the full payment has not been made they charge me a late fee of {$30.00}. Even though they have received full payment.     I have only had this mortgage since  XXXX , yet they continue to try to steal money from me. You wrote to me on  XXXX   XXXX  that you were sending my compla int to SunTrust.  On  XXXX   XXXX   SunTrust wro te that they had reapplied my payments correc tly ( for  the second time ). On that same day, they AGAIN misapplied my payment to the principal. In spite of the fact that when I wrote to them I included a payment schedule for the entire calendar year showing how much they would receive and how each payment was to be applied.     I want your office to step in and do your job. Simply sending my complaints  to SunTrust is  not enough. They continue to illegally try to steal money from me and your agency has thus far done nothing to prevent this. I am contacting  Senator   XXXX  and Congressman  XXXX  to ensure that you do your job and g et SunTrust to s top this illegal activity.
Product: Money transfer, virtual currency, or money service

Zelle is a free service provided whereby Zelle provides a user interface for the institution to integrate with. 

The interface is the same for each institution - at least each institution that I use that offers the Zelle product. 

The interface is very confusing- it offers immediate transfers within limits, next day transfers within limits. 

When creating the request to transfer, the limits are stated but the disclosure is confusing. For instance, I needed funds to be transferred immediately. The disclosure did not indicate that the transfer would not occur immediately, until after I initiated the transfer. Then the transfer request result reported, " sent today, available tomorrow ''. Now I needed those funds transferred immediately. My only option now was to pay {$10.00} to reverse the funds and I called the bank ( XXXX in this instance ) and they told me that it take weeks to get the funds back after cancelling and they they could not help me - better to let the transaction go thru. The PROBLEM - because it was not immediately as expected - I now incurred fees at the other institution. If I would have know that this was not going to occur immediately, I would have went to the bank and made a withdraw and a deposit to the other institution. Deceptive. Not efficient. Not customer friendly. I would like my fees paid by ZELLE and XXXX- the bank should have a responsibility to make sure that a product they offer meet certain standards. 

While writing this complaint..XXXX XXXX called and totally did not care about the issue- very condescending. She just said- well it doesn't do that. OMG. What standards are companies- especially banks held to. If they need customers- they don't care to show it.
Product: Credit card

I have submitted documentation to the credit bureau requesting that they validate this account that they claim belongs to me, with three attempts made on my behalf they have yet to submit an actual contract made between my self and Bank of America, Bank Of America has yet to show my any information with my name address or social security and something with my valid signature attached. they have updated my credit information with out any verification from me and with out authorization
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding misleading and false reporting on my credit report. To this Day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it had been over 60days so they should be updated promptly. I demand these accounts be updated as stated in complaint letter immediately or I will file for litigation due to the stress you caused me. I have Attached FTC Report to document. You have failed to Provide Physical Proof of Original Application With my Signature For Validation of this Account. I Demand you to Stop Reporting this Account immediately or I will Seek litigation damages. 

I, XXXX XXXX gives CFPB permission to investigate on my behalf I have attached a copy of my ID and social security card for proof of identity.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report, I have several unauthorized inquiries. 

Capital One, XX/XX/2019 XXXX XX/XX/2019 Capital One XX/XX/XXXX XXXX Capital One XX/XX/2019 XXXX XXXX  XX/XX/2019 I did not make ANY of these inquiries.
Product: Debt collection

Membership opened XX/XX/XXXX 13 Month contract ended XX/XX/XXXX never renewed contract or signed paperwork charged for XXXX XXXX {$19.00} I called the gym to ask how to cancel membership and given the direction of sending a letter of cancelation, was never told to send it certified sent letter regular mail stating canceling gym membership as of XX/XX/XXXX being charged XX/XX/XXXX plus annual member fee, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX for a grand total of {$290.00} did not receive any letters in mail or phone calls. only received collection mail in XX/XX/XXXX contacted gym said they couldn't assist me forward me to collection agency who repeated ask me for personal information
Product: Credit reporting or other personal consumer reports

Per our conversation on yesterday, you requested I send documentation stating that select portfolio servicing was included in my bankruptcy because now its showing up active on all credit bureaus. 
Can you make sure this gets to the right department.Thank you
Product: Mortgage

American Financial Resources ( AFR ) denied my FHA XXXX loan application due to the fact they " suspected '' the property being purchased " might '' be used for commercial purposes. XXXX guidelines clearly allow me to purchase a " mixed use property '' as long as the renovation funds are only used for the residential buildout, which was clearly the case from the XXXX consultant 's report. We have now lost the property due to AFR 's ineptitude.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX and i am filing a complaint against binance.us a subsidiary of BAM trading company inc. XXXX XXXX number is XXXX, i reached out to the company on XX/XX/XXXX as i did not get credited my xlm deposit of XXXX. I was then instructed to upload my a pic of my transfer, the account number and a video stating who i was and what i was requesting .I got a response stating it would be credited asap on XX/XX/XXXX. It is now XX/XX/2017 emails later, several escalations and no resolution or any response on why. I then try on XX/XX/XXXX to withdraw my crypto into a wallet XXXX a value of XXXX ) and im unable to do so as it states its because or risk management, i did research and found that they do that and use the excuse that they feel the account was compromised, this is impossible as in order for anything to transpire in my account, my verified bank account needs to be involved along with a text message to my phone with a one time access code. Its an excuse. So not only are they holding XXXX of my funds hostage for no explained reason, they have not credited approximately XXXX dollars in coins to the account, its been almost a month and nothing but auto replies and canned responses.
Product: Debt collection

Hello, Im filing a formal complaint against GENERAL REVENUE CORPORATION who is attempting to collect a debt ( not federal nor private student loan debt, debt is with the university directly ) for XXXX XXXX XXXX 

Im calling to complain in regards to their collection practices. On XX/XX/year>, they called an unauthorized third party, XXXX XXXX XXXX XXXX, on her cellphone at XXXX and attempted to collect then. They then proceeded to try to get all kinds of information about me from her, including my contact information and address. I called back the number XXXX to report the incident and wasnt allowed to since the representative would ignore what I was saying and only ask the questions they wanted to ask ( updated contact info ). I asked for them to not contact me anymore, I was told I mean I can put in a cease and desist but thats not going to get rid of the debt or our attempt to collect. Also, the representative justified this violation as them doing anything to collect a debt which isnt true. Which is a blatant disregard to my rights of being legally able to request to not be contacted and especially, not have family members and or friends and or former neighbors. 

Violation : reaching out to and disclosing information to third party
Product: Student loan

I was notified several months ago my loan would no longer be serviced by Navient, by Navient via mail. They have since charged my bank acct for payments. I have reached out multiple times that I revoke their ability to authorize on my account for these payments. They again transacted against my checking acct and I sent another request stating no authorization and Im reporting the charge as not authorized.
Product: Payday loan, title loan, or personal loan

To many current expenses to pay back payday loan. High interest rates
Product: Debt collection

I received a collection notice in XXXX of XXXX  from Portfolio Recovery Associates. 
On XX/XX/XXXX, I emailed Portfolio Recovery a request to validate said debt. On XX/XX/XXXX, I did receive the requested debt validation letter from Portfolio. However, they were in violation of the law, as they had five business days to validate said debt. They did not validate the debt within the required timeframe as permitted by law.
Product: Debt collection

My name is XXXX XXXX XXXX, a federal protected consumer me, and I am making this complaint against LVNV FUNDING, LLC for committing identity theft. I have never given LVNV FUNDING, LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC sub section 1692e ( 12 ). 

I have not validated any alleged debt with LVNV FUNDING, LLC and my failure to dispute the validity of these alleged debts shall not be construed as a admission of liability. As of XX/XX/year>, I have not received documentary evidence, such as a trilateral contract, giving LVNV FUNDING, LLC any right to collect on this alleged debt. 

I have never received any documentation requesting validation from LVNV FUNDING LLC, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 USC 1692d ( 4 ), which the FTC defines as debt parking. If LVNV FUNDING LLC can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, Prior to, furnishing on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debt until the company can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV FUNDING, LLC continue its collection efforts, I will file for litigation for actual damages caused and LVNV FUNDING LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt documents herein and of this notice, you are hereby notified Pursuant UCC1-202f. Your prompt attention and response are both requested and required. Pursuant to rule 1002 original application bearing my signature on it also requesting your Errors and Omissions insurance number, I am requesting documentation be provided to me the consumer. 
ACCOUNT # XXXX