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

On XX/XX/year> complaint # XXXX which is below in it's entirety. On XX/XX/year> CFPB notified me of the following response from TRANS UNION : '' The company let us know it is unable to respond because your complaint involves the same issues raised in pending or prior litigation '' THIS IS UNTRUTHFUL OR TO BE MORE EMPHATIC A BLATANT " LIE '' THAT TRANS-UNION CAN NOT SUBSTANTIATE OR SHOW PROOF OF BECAUSE AGAIN IT'S NOT TRUE!! SO AGAIN PLEASE ADDRESS THE COMPLAINT BELOW OR SHOW PROOF OF THIS LIE, PROVIDE A CASE NUMBER TO SHOW PROOF OF THE FABRICATED LITIGATION BETWEEN MYSELF AND TRANS UNION!!! 

ORIGINAL COMPLAINT # For approximately ten years, I have had to repeatedly ask Trans Union to put my credit file back online. I have repeatedly over the course of time supplied Trans Unions with identifying documents such as copies of bank statements to show proof of address, government-issued ID, and as well a copy of my social security card. I have spoken with Trans Union customer service who have confirmed my information is being received as well have stated the appropriate back-end departments are being notified of my request for my credit file to be placed back online numerous times and also, and they have confirmed that many referenced requests have been ignored also. Trans Union at times has crisscrossed my credit file with others and refused to address it, even after being supplied with all the necessary information, and accordingly have penalized me for it. Ive continued to have problems with Trans Union due to no fault of my own. The unfortunate reality is this is causing me irreparable harm ; I recently couldnt even open a high-yield savings account at a credit union because they could not do a soft pull on my credit report. This company seemingly cares nothing about The Fair Credit Act or any legal actions nor legal consequences ; so any assistance the CFPB can offer to help get my credit file back online ASAP and to stop this continued outrageous unprofessional conduct would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

CONVERGENT OUTSOURCING is falsely reporting on my credit. 
Per my research CONVERGENT OUTSOURCING is a debt collector. 
Account # XXXX are falsely reporting and violating my rights and fair credit act. Under 15 U.S. Code 1681d- Disclosure of Investigative consumer Violation. I have attached the definition so you can see the violation.

A person may not procure or cause to be prepared an investigative consumer report on any consumer unless ( 1 ) it is clearly and accurately disclosed to the consumer that an investigative consumer report including information as to his character, general reputation, personal characteristics, and mode of living, whichever are applicable, may be made, and such disclosure ( A ) is made in a writing mailed, or otherwise delivered, to the consumer, not later than three days after the date on which the report was first requested.

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

I request to be provided proof of this alleged item, specifically the original contract and instrument bearing my signature with CONVERGENT OUTSOURCING. Failure to show results in item to be deleted from the report as soon as possible. Under federal law, you have 30 days for a reinvestigation. 


I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that the information they gather and distribute is fair and accurate .. Every step must be take to assure the information is reporting correct.
Product: Credit card or prepaid card

XXXX  XXXX XXXX  was moved to Marcus by Goldman Sachs in XXXX. New card rcvd in XX/XX/2022. In XXXX I spoke with several in mgmt, one was XXXX on XX/XX/XXXX due to my rewards points were expiring & my rewards points not listed on the monthly invoice. It appeared to be rectified but was after several calls & blamed on transition. My current invoice due in XXXX was rcvd without rewards earnings again. These points are actual dollars I can use toward the purchase of a new GM vehicle. Therefore I watch closely to support the earnings are accurate. I called Goldman Sachs customer service XX/XX/2022 & spoke with XXXX. I explained my concern & her reply was : go online, company leaning toward self serve & the earnings rewards are not showing monthly but every other. I voiced my displeasure of not receiving this info as we had for over 15 years this credit card with GM & had no issues. I do not believe the credit card company has the right to withhold the earnings info. It is a primary reason on why I have this credit card for the rewards benefits. If I can not monitor how can I dispute if it is right or wrong or should they decide to remove expired points like before & that was in error. I just happened to stumble on it. Thank you for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I received an email alerting me that there was a change on my XXXX credit report. When I looked at it, the company Mr. Cooper ( which is the company we have our mortgage through ) had done a hard inquiry on my credit without my consent. My husband authorized it for himself but not for me when he spoke with them on the phone on XX/XX/19. On XX/XX/19 I placed a freeze on my XXXX   account and initiated a dispute. On XX/XX/19 I contacted the Mr. Cooper employee that spoke with my husband and told him that the credit check was not authorized and that I will be needing a letter from him stating that the credit check was not authorized so that I could send it to XXXX  and get it off my record. The employee told me that he couldn't do that and referred me to his manager who then told me that they could legally check my credit without my consent since my husband agreed to a credit check on himself. If I did not give consent and they made no attempt to contact myself when they did the credit check, do they really have the authority to do a hard inquiry on my credit without my consent?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is claiming that I owe them {$830.00}. They were contacted and notified that I was a victim of identity theft. I ask for documentation with my signature authorizing the opening of this account or connecting me to this debt. After months of request - they have yet to provide these documents however they are still reporting this inaccurate information to the credit bureaus. Experian continues to verify the account but provide no proof on how they are verifying this account. Attached is the document XXXX XXXX sent me - as verification. There is no signature. THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY. I AM NOT A CREDIT REPAIR COMPANY.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPDATE THIS ACCOUNT ON MY REPORT
Product: Credit reporting or other personal consumer reports

My personal information has been compromised in several data breaches. Ive attempted to correct the inconsistent data on my credit report several times to no avail on record for the past XXXX years. The inaccurate information will get deleted, then similar incomplete information gets inserted back on to my credit report. These unknown accounts do not have complete or accurate information, nor will the furnishers provide detail or elaborate of their investigative sources for information. The accounts are associated with identity theft. Which is a violation to my right and their failure to disclose. Ive been informed to contact the XXXX main credit bureaus Equifax, TransUnion, XXXX or Experian that all information has been verified. It's a repetitive circle with no relief which is not what is disclosed of in 15-USC-1681. I have been negatively impacted by this and it has severely impacted my credit worthiness, character and ability to pursuit of contractual obligations, lack of full disclosure and my individual rights to privacy. I am requesting the findings in full disclosure and deletion of all derogatory and defaming information until I have had time to review, contact and respond to these furnishers for accuracy. Ive included dispute letters ( Experian, Equifax, and TransUnion ), social security card, driver license, bank statement ( proof of address ), and FTC XXXX help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XX/XX/2023.
Product: Debt collection

This is not my debt I never had any account with XXXX XXXX. They tried this before under a different name and the dispute was fixed. Now its back with a different collection company. I need this fixed soon once and for all. 
XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX  shared/sold my information to Resurgent.com and now this company have been violating and harassing me and also destroying my financial ability to obtain fair credit use. I ask this company to send me proper documentation with my signature consent so they can have my name and share it which neither company has done. They both have violated my privacy and shared my information to XXXX, XXXX and other sis h financial institutions that I have not consented to.
Product: Bank account or service

I am writing to complain about the extremely poor handling of an identity theft situation at USAA, which has never been resolved. This is the first time I have experienced identity theft, and I am shocked at the haphazard way that USAA handles fraud situations. 
I discovered in XXXX of this year that XXXX accounts were opened in my name ( received a statement by mail ), although I have never had any kind of account with USAA. I immediately called the fraud number, assuming they had a system of handling such situations efficiently. However, I found that was not true. I had to call over and over, each time getting another agent, and having to explain my situation again and again. I also received conflicting information from the various employees I spoke with. Many of them promised to call back, and only one ever did. I was not allowed to speak to anyone in the fraud department. They refused to assign one person to my case. 
I was told that someone had enough personal information about me to be able to get through their security questions in order to use the accounts. This was very concerning to me. No one in the fraud protection system seemed to have an efficient process to investigate the situation, or to insure me that my identity was protected.
Product: Credit reporting or other personal consumer reports

These are hard inquiries I did not do ONEMAIN Inquiry : XX/XX/XXXX + Finance/Personal ALLY FINANCI Inquiry : XX/XX/XXXX + XXXX XXXX XXXX XXXX : XX/XX/XXXX + Banks COAF Inquiry : XX/XX/XXXX + Finance/Personal CPS Inquiry : XX/XX/XXXX + Finance/Personal PRESTIGE FIN Inquiry : XX/XX/XXXX + Finance/Personal PRESTIGE FIN Inquiry : XXXX. XXXX, XXXX + Finance/Personal XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal RIVER O XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX : XXXX. XXXX, XXXX + Banks WORLD XXXX XXXX : XXXX. XXXX, XXXX + Automotive XXXX XXXX XXXX : XXXX XXXX, XXXX + Automotive FEB/DESTINY Inquiry : XXXX XXXX, XXXX + Banks FIRST PREMIE Inquiry : XXXX. XXXX, XXXX + Banks XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX : XXXX. XXXX, XXXX + Finance/Personal SOUTH XXXX XXXX : XXXX. XXXX, XXXX + This bankruptcy is XXXX XXXX XXXX and not a real account Chapter XXXX bankruptcy : Bankruptcy XXXX XXXX, XXXX + {$0.00} Ch XXXX bankruptcy dismissed/closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX and I have never had a Discover card. I have repeatedly disputed this account and Discover keeps " verifying '' it. Additionally, Discover is not allowing me to opt-out of third party sharing. That's a violation of US privacy law. I want to opt out every way possible.
Product: Consumer Loan

Our vehicle was totaled in XX/XX/2016. We have been waiting on the insurance to pay. The insurance payment was made XX/XX/XXXX in the amount of {$22000.00}. We had Gap insurance, which was to cover the remaining portion. The gap insurance payment was on the way. I called Chase a spoke with a representative on XX/XX/XXXX. I also sent the gap breakdown. The representative told me I would still owe {$140.00} after the gap insurance. I paid this on the phone that same day ( XX/XX/XXXX ). On XX/XX/XXXX I noticed the account still had a balance. I sent an email ( which they never responded to ) asking if there was an issue and to confirm receipt of the gap insurance money. On XX/XX/XXXX Chase reported a delinquent account to my credit report. I called Chase on XX/XX/XXXX and a representative confirmed that they received a payment of {$1500.00} from the gap insurance on XX/XX/XXXX. He said it would take 2-5 business days to process. I called back on XX/XX/XXXX twice and spoke with two different representatives ( ID # XXXX & ID # XXXX ). I asked them why it only showed a payment of {$930.00} was made when I confirmed that they received a check from the gap insurance for {$1500.00}. I asked them where the other {$590.00} was at. Neither could explain and said they would look into the issue and call back. I never received a call back. My Chase account shows a balanced owed of {$410.00}. However, there is {$590.00} of the insurance money that is unaccounted for and no one from Chase will explain or call me back. I sent another email today and still have not received a response from them. Not one Chase representative that I have talked with has been able to assist me with getting this account paid off, but yet they reported my account as delinquent to the credit reporting agency. From what I can see, they owe me money back.
Product: Money transfer, virtual currency, or money service

THEY CLOSED MY ACCOUNT, CANCELLING MY TRANSACTIONS. FOR NO REASON. 
I am not happy with Wise decision to close my account. I tried to appeal. I do not know if it makes any sense to appeal, but I tried to because I want to understand what happens. I appealed, and they said that after reviewing, they have decided to keep it closed, and if I need any clarification, I have to connect with support and have the right to complain. I do not have access to support anymore, and this is my complaint. 
None of the reasons they expose to close accounts are seen in my case. I tried to make a depot to add money to my account, and after all ok, they sent me an email telling me that my transfer was canceled, that my bank debit payment failed, and that my money was still in my bank account ( which is true ). Then, the next day, appeared a negative balance in my Wise Account and the thread to close the account if I did not pay the difference asap. After reviewing with my accountant, the transfer I did on XXXX XXXXXX/XX/XXXX, was not deposited to the Wise account because the sender 's bank canceled it, but I could not find out why. And also do not understand why a negative balance. I think all this needs an explanation. 
I am not making a refund request. 
I really do not care for the remaining balance. So I am not submitting a refund request. But if I wanted to check the couple of dollars they owe me, it would be impossible to review because I can not access the balance statement because no support contact is activated and this point. 
As said, I am not happy, but I am not interested in reinstatement or re-assessing deactivation. Nor speeding up refunds. We are already looking for another financial technology company to create my digital strategy without borders. However, due diligence is needed to define what happened here ; I need to know precisely why they closed my account to avoid it in the future if any fault was from my side. 
I am making a complaint. 
As their policy states, I have the right to ask for a review of my case by lodging a complaint. But it was very complicated to access the page after the account was closed or blocked, so I wrote this way.
Product: Credit reporting

I ordered my free annual credit reports online but lost my connection before I received the reports from Transunion XXXX. When I tried to reconnect, I got a message that I had already received the reports. I reported it to annualcreditreport.com and they responded by mail but did not tell me how I could receive the reports.
Product: Credit card or prepaid card

I need clarification as to the following XX/XX/XXXX Misc Fee adjustment {$64.00}, what is this? the chair complaint? XXXX XXXX Since there is no email communication address for Capital One available, I must communicate wit Capital thru CFPB (! ) Please define if transaction XXXX is the original transaction charge? 
If so you have negated the many Purchase credits given to me in past three years! 

Capital One closes many complaints without explanation as to resolution final results CFPB : HELP! Capital One does not issue explanation letters to many compalints and just closes them without explanation
Product: Credit card or prepaid card

I have four ( 4 ) accounts managed/handled by XXXX XXXX. Two ( 2 ) of the accounts haven't been used for quite some time. The other two ( 2 ) are used on a regular basis ( XXXX XXXX and XXXX XXXX ). I have held all these accounts for quite some time and have maintained a good standing status with them all. 

I made a purchase of men 's shirts from XXXXXXXX XXXX on XX/XX/XXXX, one of which was on sale for {$24.00}. I needed to return the shirt for exchange. When that transaction appeared on my statement dated XX/XX/XXXX I had been charged full price for the replacement rather than the sale price. The date of that charge is XX/XX/XXXX. On XX/XX/XXXX I contacted the number on the statement to address this overcharge to be greeted by a rude associate who was unwilling to assist me. I requested a supervisor that took 2 more transfers to get. I became frustrated and was, admittedly, not kind. The end result was that the manager connected with a representative at XXXX XXXX who credited the {$20.00} overcharge. I thought this was the end of the issue. 

I received a letter dated XX/XX/ from XXXX advising that my credit limit on the XXXX XXXXXX/XX/XXXXaccount had been reduced from the {$610.00} indicated on my XX/XX/XXXXstatement to {$100.00} citing a " significant decrease in credit score '' as the reason. I found this odd in that my credit monitoring service did not indicate any decrease. I have attached a copy of that letter for your reference. 

On XX/XX/XXXX I paid the balance due on this account to bring the account to {$0.00}. The payment was made via XXXX 's website. At that time I made a request to close the account as I felt the reduction in my limit was retaliation for the altercation during theXX/XX/XXXX telephone call. Unfortunately, I didn't keep a copy of that request. I received a letter dated XX/XX/XXXX advising that the XXXX XXXX account had been closed. 

Today, XX/XX/XXXX, I attempted to make a purchase on XXXX XXXX 's website and pay with my XXXX XXXX account. My card was declined. I contacted XXXX XXXX 's customer service number indicated on my card to inquire the reason. I was transferred to XXXX where I was advised that my XX/XX/ request to close the XXXX XXXX account resulted in all my accounts being closed. As of this date, I have received no communication from XXXX to advise of such. As is indicated in the attached notification of the closure of the XXXXXXXX XXXX   account, there is no mention of the other accounts managed by XXXX. My XXXX XXXX statement dated XX/XX/XXXX indicates I have $ XXXX in available credit and has no indication there is an issue with my account. 

While the XXXX representative advised that I can submit a letter to them to request the XXXX XXXX account be re-instated, I feel the activity delineated above has been unfair to me as a consumer. Further, I fear making that request will result in another reduction of a credit limit that, as I understand, would be yet another detrimental reporting to my credit score ( s ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from the credit bureaus that I am 30 days past due for XXXX by {$110.00}. This isn't correct. I made a payment arrangement with Synchrony Gap last month that lowers the monthly payment to $ XXXXmonth. The first payment was made on time in XXXX. Nontheless GAP reported the account as past due anyway.
Product: Debt collection

They call multiple times a day to our office even on weekends. 
We have been calling them for weeks and asking them to stop calling- they claim that we are not on their list but we continue to get calls. 

It's very obtrusive on our work staff to have to constantly stop working to answer a call just to be hung up on by them multiple times a day! Every day!
Product: Mortgage

The week of XX/XX/2016, I went online and saw Lending tree offered available financing rates of 2.7 % for 15 years. I filled out the application and submitted it. The next few days, I had one lender contact me, XXXX XXXX, and they said they would only offer 5 % interest rate and I had a credit score of XXXX and wanted to pay off a {$40000.00} mortgage loan. What I did received was many, many solicitations for Home Owners Insurance, contractors to build on, everything but XXXX Mortgage companies. 

Then the next week on XX/XX/2016, I called Lending Tree personally and Supervisor XXXX and his boss, XXXX XXXX. They both tried to tell me that Lending Tree does not take applications for loans under {$60000.00}, then I showed them on their own site that in the application process it showed loans even under {$40000.00}. They refused to have Loan companies contact me because I said they advertised a 15 year loan with a fixed rate of 2.7 % and I wanted to speak with a loan company who gave the 2.7 % interest rate. 

I told them that this is " FALSE ADVERTISING '' when you publicly advertise 15 year loans at a 2.7 % interest rate. XXXX began to talk very rude to me, talking over me, trying to make me hang up and then they would not have to deal with the False Advertising claim. I requested in writing for his boss, XXXX XXXX to call me back the next day and she has not called me back, therefore refusing to talk with me and deal with their claim that they could get their customers a 15 year fixed rate loan at 2.7 % interest rate. I definitely qualified with a credit score of XXXX, a home that appraised for {$170000.00}, and the loan amount requested to pay off was only {$40000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( Equifax, XXXX, XXXX  ) bureaus. They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Debt collection

A Harris Law XXXX called me on several occasions telling me I owe a credit debt. The phone calls have been coming for the past 3 months. Verified my address with me told me to have my ID ready when I 'm served with a subpoena to be sued. Have not sent any verification for me to dispute this debt. This has been going on for months. Would like the harassment to stop.