23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have Convergent Outsourcing Inc on my XXXX and XXXX credit report. I have disputed the info with Convergent Outsourcing they have not responded at all. I sent the dispute more than the 30 days ago and I have not received any response from them. The amount is XXXX that is reporting on. my credit. I have asked XXXX and XXXX to look into this matter and all they said was that it was verified. They did not do any real digging or an investigation into this matter. They simply used E-OSCAR to verify and validate the info. I am asking that since I have disputed the info and they have not responded that the account be removed from my credit report. We are in a pandemic and the credit bureaus are not doing their jobs by making sure credit reports are accurate for consumers. I am asking that the CONVERGENT OUTSOURCING INC. account be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA Savings bank is still showing a XXXX credit card open on my credit which belongs to my ex husband. I have been divorced for 5 years, my name was to be removed from this account per court order, which I believe was taken care of at that time. I do not have access to this credit card, nor have I used this credit card, however my ss # is still tied to this account as it is affecting me. I have called USAA whom claims I am not on the account, I have disputed this record on my credit with XXXX  and the negative credit is still effecting my score. I have asked for it to be removed and no actions have been taken on behalf of USAA Savings bank.
Product: Credit reporting or other personal consumer reports

So, here 's the rundown. You know that Fair Credit Reporting Act ( 15 USC 1681 section 602a )? Apparently, it tells consumer reporting agencies to play nice, be fair, and respect our privacy. Well, as the consumer, I threw my weight around, reminding them of my rights under 15 USC 6801 Congress insists financial institutions keep their hands off our private info. Now, there's this thing about entities feeding info to credit agencies, calling them " financial institutions. '' Supposedly, they're supposed to follow rules. According to 15 USC 1681 section 604a ( 2 ), if a consumer like me gives written instructions, they can dish out a consumer report. But, here 's the twist the financial institution and the big names, credit bureaus never bothered to get my written consent. So, consider any kind of consent, whether it was spoken, gestured, or whatever, totally cancelled by yours truly. Now, about these big shots not bothering to tell me about my right to shut them down thanks a lot, 15 USC 6802 ( b ) ( c ). All 3 bureaus thought it was cool to toss negative items on my credit report without my say-so, which, surprise, surprise, is against 15 USC 1681C ( a ) ( 5 ). Hold on, it gets better Section 1681s2 ( A ) ( 1 ) A of the U.S. Code screams, " Dont give false info to consumer reporting agencies. '' But XXXX and XXXX missed the memo and are breaking the rule. And then there's 15 U.S. Code 1681e, saying every consumer reporting agency should have their act together with " reasonable procedures. '' They're not really following these supposed " reasonable procedures. '' Last but not least, 12 CFR 1016.7 says I can slam the door shut on their reporting services whenever I want and guess what? I'm slamming it shut now. So, these guys better fix things fast, or they're in for a legal storm.
Product: Checking or savings account

" As of XX/XX/2024, Robinhood has restricted my account for no reason other then telling me after a review of my account a temporary restriction was placed to safeguard my account. 

I have around { {$26000.00} } in the account, and not letting me to transfer funds back to my Checking/Saving accounts. 

I keep calling every day since XX/XX/XXXX, and customer service say look for the emails for updates. I got emails from support on XXXX, XX/XX/XXXX, and XX/XX/XXXX with no additional information and no ETA when my funds will be available. 

" Thank you for your patience. I can certainly provide an update on the remaining funds being returned to their originating source. 
It looks like there was a delay, but can assure you that we are working on getting the funds returned. For additional information please contact the originating bank. Upon the completion of this process your Robinhood account will be scheduled for deactivation. 
Again, I apologize for any inconvenience this caused. If you have any additional questions, feel free to reach out to me or our support team. ''
Product: Payday loan

Speedy Cash charges 392.591 % and I will loose hundreds of dollars on this loan. They put all of the interest up front and when I make a payment. They mislead you when you try to talk to them and then they lie when they say they never receive my email communication. My partner has a loan as well and they did n't put all of the loan and interest up front.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I saw my account was XXXX cents today. 
I called and asked why I was told it was for paper statements that I never opted in to or received ( I always received e-statements ). 
They said this was changed on XX/XX/XXXX but wouldn't tell me how or why Bank refused to refund the XXXX after I showed them I NEVER got paper statements before. I want the XXXX fee refunded and any additional fees this will cause to be refunded. 

You changed my statement delivery without permission
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX, BARCLAYS BANK DELAWARE, and XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX, BARCLAYS BANK DELAWARE, and XXXX with no successful resolution. There was definitely an error on their part.
Product: Mortgage

On XX/XX/XXXX at the closing of the sell of our house, the loan disclosure documents changed during the time of our closing. The lender sent documents stating there was an escrow shortage. We had not received any information or documents concerning our escrow. Also our mortgage payment never changed to compensate for the supposed shortage. The closing attorney had me step out and call lender who stated there was no shortage and the escrow balance was {$920.00} which we would be issued a refund for. However lender sent attorney documents stating we owed approximately {$2500.00} in taxes and our escrow was short. So instead of the original documented amount owed to us at closing of {$11000.00} we only received {$10000.00}. So we were shorted {$1000.00} at closing plus the {$920.00} we were to receive from our escrow account. Unfortunately, due to this error from Freedom Mortgage we had suffered a loss of almost {$2000.00} that we were not prepared for and it has put us in financial difficulty. They were extremely slow in closing this loan as it took six months and requested the same documentation more than a dozen times, which was ridiculous
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, US Dept of Education XXXX XXXX XXXX, XXXX XXXX XXXXXXXX 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: Credit card or prepaid card

On XX/XX/2018, a requested balance transfer of {$100.00} from my XXXX XXXX XXXX ( XXXX ) Visa account ending in XXXX posted to my Capital One Visa account ending in XXXX. On XX/XX/XXXX, said amount billed to my Cap One account and was included in its current statement - appearing as XXXX XXXX XXXX - which I paid in full ; ie, including the {$100.00} balance transfer. 

As of today 's date, XX/XX/2018, XXXX has not received the {$100.00} payment from Capital One. Moreover, as payment of my XXXX Visa account became  due on XXXX, I paid it in full. ( XXXX  confirmation code # XXXX. ) Consequently, I've now paid the {$100.00} twice. 

Subsequently, via its website instruction I contacted Cap One on XXXX - and have email verification of their receipt - detailing the issue. To date, no response from the company. As I am currently traveling overseas with extremely limited phone access to the US, I am not able to call them. 

Please promptly initiate an investigation and keep me apprised via my email address which is : XXXX. Thank you for your prompt attenti on to this matter.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX at XXXX Hawaii time I have sent XXXX to a gentleman named XXXX XXXX who lives in XXXX apparently, he scammed me going on social media as _.XXXX XXXX and used a picture of a local woman. I was told that you can invest your money by turning XXXX to {$10000.00}. Due to my stupidity I did not hesitate to follow through. I second guess myself couple days later and realized that I would never see that kind of money so I cancled it. Couple days later I trusted who I assumed was the local girl so instead of {$480.00}, on XX/XX/XXXX at XXXX I sent {$470.00} to the same person XXXX XXXX and was promised that Ill receive that money before my trip to XXXX and he had called me to make sure that I would get it the next morning at any XXXX XXXX XXXX Saturday XX/XX/XXXX at XXXX I made contact with XXXX XXXX at this number XXXX ( XXXX XXXX XXXX. Promising me I would receive it. Monday morning came and I tried contacting XXXX through via text message and also called him and it went through a recording saying call rejected so I went to social media ( XXXX ) to let XXXX know whats going on ( did not know it was him who created the account ), and the account has been deactivated saying that the username was not found. On XX/XX/XXXX I found another local who was advertising the same thing XXXX XXXX did to so I trusted my gut assuming it was him so I had confronted him through a direct message and a couple seconds the page was deactivated and the username was not found which was XXXX. I made a post telling friends and family that its a scam and not to do it. I want him to be punished for his actions and I would like my {$470.00} dollars back he has nothing better to do so he scams people from all over the world and makes broken promises. I appreciate you for taking the time to read my complaint because XXXX XXXX needs to be arrested XXXX and XXXX bless
Product: Checking or savings account

My father issued me a check from his PNC bank account, I attempted to deposit the check to my PNC bank account and PNC bank put a stop payment on the check assuming the signature did not match the signature they had on file for my father. However, my father confirmed that he was the party to sign the check when he went into the branch. PNC then advised my father to withdraw the funds and deposit the cash into my checking account. The funds were deposited into my checking account. PNC then went ahead and closed my account and froze my funds in my account leaving me with no access to any of my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am Trying to purchase insurance however the reporting agency lexisnexis, listed me as at fault for 2 accidents that was the other drivers fault. It is quite implicit in the police reports that Im not at fault. This error is costly about 250 $ difference a month in cost. And cost me my job I was let go from work due to this issue.
Product: Credit card

On XXXX XXXX and XXXX XXXX, 2015, I accidentally made duplicate payments on my account. The duplicate payment was applied to my Pay Over Time balance. After some difficulty, I was finally able to have XXXX payment reversed. However, the reversed payment was added to my minimum balance due XXXX XXXX, 2015, meaning that the payment was never really reversed ( now I 'm expected to repay the payment by XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

TransUnion website has been down for days. They do not have a way to reach anyone to freeze your account. There is no email and when you use their customer service phone number they drop the call after stating they are transferring you to an agent. If you select a call back instead fo a transfer you provide your phone number and receive no callback. There is a national data breach that I was notified of by my US Government monitoring service my social security number is now on the dark web. I have frozen my credit reports with their other services easily on their website or over the phone.
Product: Credit reporting or other personal consumer reports

Non authorized inquiries on credit report All inquiries from XX/XX/XXXX to XX/XX/XXXX were not authorized by me excluding XXXXXXXX XXXX
Product: Money transfer, virtual currency, or money service

Zelle didnt include a disclosure agreement before sending payments. The transfers were final and there was no indication at to recoup money sent through it if it was the wrong receiver.
Product: Credit reporting or other personal consumer reports

CFPB Complaint XXXX XXXX XXXX Here is the information requested by LCI. Remove all personal information and inaccurate information from my credit report.

Dear LCI Customer Service, I am writing to formally request to opt-out of all services and communications from LCI. Please ensure that my personal information is removed from your databases and that I no longer receive any promotional materials, emails, or any other form of communication from your company. 

Please confirm receipt of this request and provide written confirmation that my opt-out request has been processed and that my personal information has been removed from your records. 

Thank you for your prompt attention to this matter.
Product: Student loan

I was severely overcharged with this loan, and have been told I can get the PRIVATE COLLEGE loans forgiven, since I was attending when they were forced to close. Since they closed I no longer have access to the hiring office which was why I went there in the first place. 

I have yet to get a job in this industry and I am unemployed and XXXX years old with XXXX billing me XXXX $ in loans and fees. Some classes billed two and three times. 

please let me know how I can get help. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries that are fraud this does not belong to me this one is from XXXX and XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX phone number XXXX and the enclave was XX/XX/XXXX The next one is XXXX XXXX XXXX  of F I guess this is Florida XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX and the inquiry was XX/XX/XXXX The next XXXX XXXX  XXXX address XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX no phone number inquiry was XX/XX/XXXX Next one is from Trans Union XXXX  report Inquiry XXXX XXXX XXXX XXXX XXXX, XXXX XXXX phone number XXXX inquiry was on XX/XX/XXXX The next inquiry is XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX NV XXXX phone number is XXXX was requested on XX/XX/XXXX Next is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX, NY XXXX phone number XXXX requested on XX/XX/XXXX The next one is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX XXXX phone number XXXX requested on XX/XX/XXXX The next one is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX phone number XXXX inquiry what is XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX phone number XXXX the inquiry was on XXXX
Product: Debt collection

Upon paying the debt owed to XXXX/Convergent outsourcing, I was told that the debt would be removed during a phone call on XX/XX/2021. I was also told that I would receive an email verification of this. The email was never sent. I called XXXX/convergent outsourcing on XX/XX/2021 and was told that I would receive an email verifying that the debt was paid. The only thing that was updated by XXXX/convergent outsourcing was that the debt was paid in full. Although it was paid in full, it still shows up as a collection on my credit report which is affecting my credit score negatively.
Product: Credit card or prepaid card

I have a Bank Of America prepaid card provided by the Edd Underemployment Office. I had online charges over 20 plus back to back on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All charges were for the same amount and same website. I not only had a block on my card I placed when I first received my card prior to this incident but I had added a online and international block months ago. I have reached out to the company regarding all the charges but have not had any help. I can't receive a new card without speaking to a claim rep. I'm just getting transferred over and over with absolutely nothing accomplished.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly requested a Debt Collection Letter detailing the balance the Credit Reporyting Agency is reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rental Verifications XXXX XXXX Landlord Address Move In Rent Phone - Contact Move Out Owed XXXX XXXX XXXX XXXX XX/XX/XXXX {$690.00} ( XXXX ) XXXX - XXXX XXXX, MN XXXX XX/XX/XXXX {$0.00} WOULD NOT RENT AGAIN - EVICT XXXX XXXX XXXX # XXXX XX/XX/XXXX {$1000.00} ( XXXX ) XXXX - XXXX XXXX XXXX, MN XXXX XX/XX/XXXX {$4000.00} WOULD NOT RENT AGAIN - UNAUTHORIZED PET / NOISE COMPLAINT / POLICE CALL / UNAUTHORIZED TENANT / OTHER VIOLATION / EVICT Public Records ( XXXX ) XXXX XXXX These Were Expunged through Civil Court in XXXX XX/XX/XXXX it should not show an eviction nor balance for either rental property
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX was paid last year in XX/XX/XXXX. They are improperly reporting on Equifax credit report charge off balance XXXX. The balance is {$0.00}
Product: Debt collection

XXXX XXXX XXXX XXXX. and XXXX XXXX XXXX bought a contract from Hampton Roads Finance Company LLC, that the original Creditor Hampton Roads Finance Company LLC had Written Off Profit and Loss with a {$0.00} balance. Hampton Roads Finance Company LLC only reported accurately to XXXX. Both XXXX and XXXX report the account CLOSED/DEROGATORY with a balance but no Closed Date. Originally, the account was Open XXXX XXXX and Closed XXXX XXXX, the vehicle was repossessed around XXXX XXXX and sold at an Auction. The reason that this Debt is not mine is because the original Creditor Hampton Roads Finance Company LLC only reported accurately to XXXX that the Account was CLOSED/DEROGATORY Written Off Profit and Loss with a {$0.00} balance. Also, the Original Creditor Hampton Roads Finance Company LLC shutdown as of XXXX XXXX. How can Hampton Roads Finance Company LLC continue to report fraudulent account activity to XXXX and XXXX. Also, Hampton Roads Finance Company LLC can not report to XXXX because the Account Open and Closed Dates will be Unlawful and Unfair and they would have to commit forgery of my Signatory as well as Generate a Contract. I 've hired XXXX XXXX, Although they can not represent me, they were able to Challenge both the Creditor and XXXX and remove Negative Items. Hampton Roads Finance Company LLC was Removed from my XXXX Credit Report on XX/XX/XXXX with a Balance of {$0.00}.
Product: Checking or savings account

I never received my tax refund check from XXXX. After spending months going through the IRS and US Treasury Dept, I was mailed form FS 1133 from the Treasury Dept showing my check was cashed. Someone hand wrote, in print, my and my wifes name and the words for deposit to chime only. The date, time, and confirmation of the deposit are shown on the check. Did someone open an account in my name? If so, what information did they use. Did they ask for any ID? Or did they deposit my check into an account that doesnt even have my name on it? Once again, did anyone actually look over the check information? XXXX was not able to provide me with any information relating to this deposit or if there was an account opened in my name because the information I gave them ( my actual information ) doesnt match what they have on file. This is a sham bank. Ive filed a report with the FTC and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been an ID theft victim, today I tried to get my free credit reports and tried calling to no success. My Transunion report I downloaded is not in my phone as a PDF, its missing. I am not getting my emails of the information. I am compromised and the old information to get me logged into my credit reports are wrong, therefore I can not correct or dispute anything. My correct phone and email is XXXX, and email is XXXX : I can never get anyone on the phone and when i do I get disconnected! How do you fix this issue? I am being hacked in every way. My phone service, emails, phone, work, personal, social media everywhere!
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting unauthorized unverified inquiries on my consumer report their reporting has been harmful and violated my right as a consumer under title 15 usc 1692 I have notified them of them of the 3 unauthorized inquiries on my report and they have yet to be deleted the inquiries are dated as XX/XX/XXXX XXXX and 2 more inquiries dated XXXX XXXX I also have filed a report with the ftc
Product: Money transfer, virtual currency, or money service

This complaint is against XXXX XXXX. 

On XX/XX/2020 I attempted to send XXXX {$300.00} to my brother in XXXX via XXXX XXXX XXXX XXXX XXXX. My XXXX account was restricted due to a transfer I made in XXXX, and which my bank had rejected, on account of a change in my mailing address. Not being able to utilize XXXX XXXX, I opened an account with XXXX and made the transfer. In the process, I noted that XXXX XXXX rate applied by XXXX for the {$300.00} transaction was significantly lower than the rate applied by XXXX. XXXX would have delivered J {$37000.00} which is equivalent to an exchange rate of {$120.00} Jamaican dollars to {$1.00} XXXX dollar ; at the same time, XXXX delivered J {$41000.00} which is equivalent to an exchange rate of J {$130.00} Jamaican dollars to {$1.00} XXXX dollar. That's a difference of J {$4100.00}. I have used XXXX for many years to send funds to XXXX each month. On average, I send at least {$300.00} per month. Based on the difference in rates, and an average of {$300.00} sent monthly, this could easily translate into J {$49000.00} per year or J {$140000.00} over XXXX years ; J {$490000.00} over 10 years! 

Today, XX/XX/2020, I sent XXXX {$300.00} via XXXX. XXXX delivered XXXX ; XXXX would have delivered J {$37000.00}, a difference of J {$3800.00}. It seems to me that XXXX is not giving consumers a reasonable exchange rate ; the rate I was given in these XXXX instances does not appear reasonable to me, given the XXXX comparison.