23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

An identity theft report was send to the credit bureaus reporting a fraud account. They deleted the account then a couple days later it was added once again. Account XXXX XXXX XXXX ) its a different account number on XXXX ( XXXX ) if it's the same account and an investigation took place and you respo ded that everything was 100 % accurate and mine how is this possible. Not of the dates match last open, balances etc I have highlighted all marks in blue. I understand I have up to {$1000.00} per violation on my consumer report. According to the fair credit reporting act. Please delete account immediately as you are violating my rights. Everything reporting has to be 100 % accurate. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.SC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has resonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ref : XXXX XXXX XXXX  / Shellpoint Approximately 6 months ago, I refinanced my mortgage from a 30 yr term down to a 15 yr term with XXXX XXXX XXXX. On XX/XX/XXXX, I received a phone call from XXXX XXXX with XXXX XXXX. Through further conversation, XXXX advised, I had a lot of built up equity in my home and asked it I wanted to hear about some great options that were available to me. I told him " I MAY '' be interested in a 10-15k home equity loan in XXXX '' XXXX replied, I'll email some information to you. The conversation was literally 1-2 minutes in length. 2 hours later it was revealed he did a HARD Inquiry on my credit WITHOUT my permission and sent me a sales contract. At no time, did we even discuss rates or actual options. How he obtained my personal information i.e. date of birth/social security number is through their database when I completed my 15 year refinance loan 6 months prior. I immediately contacted XXXX XXXX via telephone when I received the email and left him 2 voicemails asking him why he pulled my credit, but I received no response. The next day, I contacted his supervisor, XXXX XXXX and filed a complaint. XXXX XXXX seemed receptive and stated, XXXX XXXX should have never pull my credit based on our conversation. On XX/XX/XXXX, XXXX XXXX sent me an email directing me to send an email back to him requesting the credit inquiring be removed from my credit report. I also generated a complaint with the XXXX XXXX XXXX ( Upstate South Carolina ) who contacted the company and relayed all information. complaint ID XXXX A few days later, I received a letter in the mail from XXXX XXXX XXXX XXXX Attorney stating their company did no wrong doing. Furthermore, he stated he spoke to XXXX XXXX and who advised I gave him consent. This is a TOTAL Lie. So, the whole process with the XXXX XXXX XXXX was just He said she said, with XXXX XXXX XXXX not admitting their employee was wrong. In addition, they never removed the unauthorized credit inquiring off my report. It affected my XXXX credit score and will remain in effect until XXXX. I NEVER INSINUATED OR DIRECTED XXXX XXXX TO RUN MY CREDIT OR WORK UP A SALES CONTRACT. Respectfully, XXXX XXXX
Product: Credit card

The Capital One Savor card advertising says " Earn 3 % cash back on dining, entertainment, popular streaming services and at grocery stores, plus 1 % on all other purchases. '' No where does it show an * or state that the 3 % cash back does not apply to all grocery stores ( they exclude WalMart and XXXX ). You can find the exclusion all the way at the bottom of the page if you are on the specific Savor card website, but it should be more clearly stated. I would not have applied for their card at all if I had realized that the grocery store I shop at will only earn 1 % cash back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Experian Sudden dropped XXXX points of existing posted FICO Credit Score without reason, validity of action XXXX Suddenly without reason, validity and assuredly non-recklessness by consumer Experian deleted/removed FICO Credit Score from consumers credit profile ( To date XXXX XX/XX/XXXX Experian have NOT and will not restore ) XXXX Consumer fighting XXXX third time - Yes XXXX time XXXX XXXX correspondence to Experian XXXX XXXX correspondence to CFPB XXXX XX/XX/XXXX Consumer emailed XXXX XXXX - Experian XXXX XXXX XXXX XXXX XX/XX/XXXX voice message from XXXX XXXX, Experian XXXX he left same generic format as previous - NOT addressing or resolving the compliant XXXX XX/XX/XXXX consumer emailed XXXX XXXX with detailed and certified its contents to be as occurred to date is true. To date no reply or follow up after my detailed email. 
XXXX XX/XX/XXXX Consumer mailed complaint to FTC XXXX XX/XX/XXXX consumer filed compliant with CFPB XXXX XXXX XX/XX/XXXX or so once again Experian sent generic response did not address, amend, correct the sudden deletion/removal of Consumer 's FICO Credit Score - and they closed case ( lol )
Product: Checking or savings account

Last Thursday ( XX/XX/2024 ) I stopped by the ATM machine for Truist Bank located at the XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, NC XXXX ) to withdraw some money. I was in the middle of selecting how much cash I wanted and it displayed a message that it was retaining my card and then another message saying it was in middle of update. I went inside the bank where the teller told me this ATM keeps cards every week and the bank does nothing about it. She told me they come on Wednesdays to service it and get the retained cards. So, I went back today ( XX/XX/2024 ) to get my card and the teller says there were no cards and she does not know where it is. On top of that the temporary card she gave me last week does not work at all. A bank with practices like this is totally unacceptable. Now I must wait for a replacement card. Truist cares nothing about quality customer support and it really shows.
Product: Debt collection

It was proven to XXXX XXXX XXXX XXXX ( XXXX ) that the debt they are trying to collect belonged to my deceased grandmothers home at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX - XXXX XXXX XXXX They constantly called me even after I asked them not to because I had muy own account with them in good standing but they didn't stop. My grandmother passed away and because I was simply authorized on her account because she had XXXX, they threatened me that if I wouldn't pay they would put this on my credit. I told them that was illegal and now my credit had dropped over 40 points because of this. They hired a collections agency who was given all of the information they needed to not do what they did. I am filing a complaint both against XXXX collection department  and IC Systems because BOTH are responsible and engaged in illegal activity. When collection agencies or departments receive proof they are not suppose to just ignore it and cause hardship and suffering to people. The CFPB should also be using these complaints to investigate, especially because XXXX XXXX XXXX is operating a collections department and violating Fair Debt Policies.. I couldn't find their name as a company that we could file a complaint against.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX can financial hippa violations or ftc or both
Product: Debt collection

I have a Creditor Statement from XXXX XXXX XXXX XXXX XXXX XXXX a debt consolidation program regarding the checks/payments they paid on our behalf to our creditor Convergent Outsourcing Inc. in which the original Creditor is XXXX. This bill in the amount of XXXX dollars and XXXX cents ( {$460.00} ) has been paid in full. As per the Creditor Statement payments are as follows : Starting XXXX/XXXX/XXXX To XXXX/XXXX/XXXX XXXX dollar ( {$20.00} ) monthly payments a total of 14 consecutive payments. *On XXXX/XXXX/XXXX a XXXX dollars and XXXX cents ( {$110.00} ) payment was issued and this is the missing payment, *Check number XXXX. On XXXX/XXXX/XXXX a final payment of XXXX dollars and XXXX cents ( {$68.00} ) a total of XXXX dollars and XXXX cents ( {$460.00} ). During a conversation on XXXX/XXXX/XXXX with a representative of XXXX XXXX XXXX XXXX they stated that according to their records check No. XXXX in the amount of XXXX dollars and XXXX cents ( {$110.00} ) was issued and paid to CONVERGENT OUTSOURCING INC., and has been cashed by CONVERGENT OUTSOURCING INC., they told me that they will not be reissuing a second check to them in that amount since the check has already been cashed. Today XXXX/XXXX/XXXX I spoke to a supervisor at Convergent Outsourcing Inc. XXXX XXXX and she acknowledged that they received all payments from XXXX our credit consolidation company and that XXXX submitted the proof they required that payment of {$110.00} was in deed paid to them. They can not locate the payment themselves. There is no problem with XXXX because they have the proof that the payment was made to Convergent Outsourcing. Kindly help us to have our account with XXXX XXXX to be cleared once and for all. XXXX XXXX still has our account as unpaid and that we still owe them {$99.00}. as per XXXX XXXX, manager. 

on XXXX/XXXX/XXXX my wife handles all of the bills and she spoke with a representative at Convergent Outsourcing about all of this. That 's when they told her they did not receive the {$110.00} dollar payment. Although they did receive it and cashed the check. My wife does the majority of the phone calling and handling of the bills in our house. Its a small amount of money to be going back and forth over. It is totally ridiculous. I and my wife spoke to them over the phone together today XXXX/XXXX/XXXX to see if we could get this resolved to no avail. They are unwilling to credit my XXXX XXXX account and make the correction. XXXX XXXX at XXXX XXXX claimed he could not help us because he turned the account over to Convergent Outsourcing and Convergent Outsourcing is saying they cancelled the account and returned it to XXXX XXXX unpaid. This is ridiculous. We are in the middle of this confusion with no where to turn. Please help! 
Convergent Outsourcing Inc . 
XXXX XXXX XXXX XXXX, XXXX, WA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Phone : ( XXXX ) XXXX
Product: Debt collection

Medical debt is not mine, debt is my sons who has same name but different middle initial.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for your feedback and supporting document with my previous complaint XXXX. You are clearly looking for the wrong person. The information you provide is someone who lives in Texas, and is a XXXX citizen who stays in US on XXXX form. Where I never lived in Texas and Im a US citizen. Given you claim its my loan, Im sure you know my passport information. So please provide that at your earliest convenience to prove its my loan. Thanks!
Product: Checking or savings account

On XX/XX/XXXX at XXXX and at XXXX my debit card was unlinked from my account another card was added and my money was deposited into that account. I contacted cash app support to let them know about the issue they did an investigation of XXXX mins and denied my claim. I then ask for them to send the documents on why it was denied and it has yet to be sent even though it took them XXXX mins to deny
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding inaccurate late payment entries on my credit report. Upon examining my records, I discovered these erroneous late payments which I have previously disputed in writing over XXXX days ago. However, I have not received any response from your organization, nor have you provided proper validation for these misleading negative entries on my credit file. 

I am respectfully requesting your prompt assistance in correcting this issue. Despite my prior attempt to resolve this directly with your company, you have failed to address my legitimate dispute over the inaccurate late payment reporting. I am now formally demanding that you fulfill my original request without further delay by updating my consumer credit report to remove or properly identify the payment transactions in question.
Product: Debt collection

Spoke with someone  at Southwest Credit Systems at appr oximately  XXXX  this mornin g (   XXXX   ).  He asked me to verify an incorrect addr ess ( an address I have not lived for at least 20 years ). I would not verify the address and he asked why I would n't. I told him that I had no idea who he was nor the   company he was with. Upon hearing that, he again told me the name of the company, but did not say who the original creditor was. He said " well since I have your address, I 'll read it to you and you can say yes or no. '' He read it again, and again I said no. At this point, I was irritated with him and told him that I was going to file a complaint with the FCC and he hung up. He called me from  XXXX .
Product: Checking or savings account

Pnc will not let me link to my investing account.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX XX/XX/XXXX, Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute inaccurate information contained in my credit report. As per the Fair Credit Reporting Act ( FCRA ) under Section 611, I am requesting an investigation into the following erroneous items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX  I believe these entries are incorrect because these accounts were, paid-off debt not reflected, account not mine, incorrect balance reported, etc. ]. 

Per FCRA guidelines, I respectfully request that you investigate these discrepancies and remove the inaccurate information from my credit report. Please provide me with a written explanation of the results of your investigation. 

Thank you for your prompt attention to this matter. Please inform me of the actions taken within the XXXX investigation period, as stipulated by FCRA. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have been receiving at least 4 to 8 call a day from the Loan Depot that are completely unsolicited considering I have not tried to apply for a Mortgage from any company much less this one.

I have returned calls to this company at least 3 times a week for over a month now and have ask them each time to stop calling me. I have spoken with multiple supervisors and various other employees at this company to ask them to stop calling me with no success.

I have been given a variety of numbers to call back if I continue to receive these harassing phone calls.

XXXX is the number left in their message to return a call or be removed from their list. 
XXXX is the next number I have been given to call back an speak with " XXXX '', who apparently was not a supervisor and didnot follow through with his promise to remove me from their list. 
Today I was given yet another number XXXX " XXXX XXXX '' who yet again has promised me that my name would be removed, only to receive a call less than 10 minutes later from this company yet again. 
I feel that is company should be fined to the fullest extent of the law, as their best practice appears to be to continually harass people with unwanted calls regardless of being on a record line and being ask multiple times to stop these unwanted calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

Just look on my account with all of my credit score information and one the companies gave me this website to report everything
Product: Credit reporting or other personal consumer reports

These Account were Investigated by XXXX and XXXX XXXX and both came back with the same result and Removed the fraudulent accounts. However Equifax whom I DO NOT think did an Investigation saying they verified this blatant fraud. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file for the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Letters of Removal from XXXX are attached. 

XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Note : The Things That are being Disputed Have been Investigated By Both XXXX and XXXX XXXX XXXX Why do 2 separate investigations come back the same and a 3rd be different is Equifax getting paid to screw over the consumer?
Product: Credit card or prepaid card

As a consumer affected by XXXX XXXX covered major disaster period that is still ongoing, I have recently become aware that my consumer rights have been violated on several occasions. According to Title IV Sec 110401, no person may furnish any adverse item of information ( except information related to a felony criminal conviction ) relating to a consumer that was the result of any action or inaction that occurred during a covered period. Sec. 110402 also restricts collections on consumer debt during a national disaster or emergency. Debt collector means a creditor and any other person or entity that engages in the collection of debt, including the Federal Government and a State government, irrespective of whether the applicable debt is allegedly owed to or assigned to such creditor, person or entity. Capital One has closed my credit card account, furnished adverse information to my credit file and also caused me to lose other credit opportunities by damaging my credit score/financial reputation. The president has not declared the National Emergency to be over therefore this is still in effect. Capital One is noncompliant with federal law and has willingly and intentionally harmed me. I demand all adverse information to be removed from my credit file immediately, for my account to be reopened and a new card sent to me.
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 XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2022 Balance : {$990.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Reviewed my credit report in XX/XX/2021, I noticed these accounts are still being reported inaccurately. I have sent correspondence disputing this inaccurate information on XX/XX/2021, and XX/XX/2021. I HAVE REPORTED TO XXXX, EQUIFAX, & XXXX XXXX THAT PER THE FAIR CREDIT REPORTING ACT, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX HAS FAILED TO PROVIDE ME WITH A COPY OF ANY VIABLE EVIDENCE, BEARING MY LIVE SIGNATURE. I have never done business with XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX, nor have I signed any contracts with these companies. As per the FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does NOT constitute verification. It is against Federal Law and State Law to report INCORRECT AND INACCURATE Information on a Consumer 's Credit Report. I am requesting XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, AND XXXX XXXX XXXX to delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX XXXX Equifax, and XXXX directing them to REMOVE these erroneous entry as well.
Product: Credit card

I submitted Complaint XXXX XXXXXXXX last month to report significant issues with Apple Customer Service for my Apple Card. I've added a comment to the closed complaint but I'm guessing it won't go anywhere so I have no choice but to add a complaint as a follow-up. 

I'm not happy with their response on XXXX XXXX XXXXXXXX. They left out the fact that as of XX/XX/XXXX I had a balance of XXXX on my Apple Card account when I still had the 3 disputes ongoing ( noted in their response ) and according to my XXXX statement, it somehow ballooned up to XXXX without my knowledge or any sort of communication as to where that came from. I also engaged Apple Support on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX to attempt to get more information but yet again I was run through the wringer and when I did eventually chat with a supervisor, they ended the chat abruptly without warning. I have copies of this chat with Apple Support as well as my XX/XX/XXXX statements to attach to this complaint if needed. 

I will continue to submit complaints until this matter is resolved. I'm done sitting idly by and letting corporate malpractice ruin my family 's financial health and well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXXXXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX Accoun # XXXX 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