23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Complaint Regarding Fraudulent Loan, Harassment, and Failure to Provide Documentation I contacted the company on XX/XX/year>, regarding an alleged loan in my name. The representative could not provide a contract and provided me with an email address and bank account that are not mine. Upon reviewing my accounts, no deposit matching the alleged loan amount was found. I informed the representative, who promised to reverse the funding and cancel the loan. 

Since XX/XX/year>, I have received up to 15 phone calls daily and numerous text messages regarding this alleged loan. On XX/XX/year>, I spoke with XXXX XXXX and reiterated that this is fraudulent, and I have no affiliation with Explore Credit or any loan from them. After a lengthy discussion, XXXX assured me the loan would be reversed and funds deleted. 

Despite assurances, I have not received any loan agreement or documentation after numerous requests. Moreover, I continue to receive harassing calls ( an additional 10 today alone ) and numerous text messages demanding personal information to verify my identity, despite my repeated statements that I do not feel comfortable sharing any information due to the fraudulent nature of this matter. 

This ongoing harassment and the failure to provide any loan agreement or documentation have caused significant distress and inconvenience. I urgently request the FTC 's intervention to resolve this matter promptly. 

Thank you for your immediate attention to this serious issue.
Product: Credit reporting or other personal consumer reports

There are XXXX inquiries on my report that do not belong to me, I called one the creditors, XXXX XXXX XXXX XXXX they looked up my social, date of birth, name and said they can't see anything listed for me. I said how can that be then it's an error I asked them to remove it and they told me to call credit bureaus back. I need your help.

Next, I gave auto company authorization to run my credit and they sent it to XXXX companies that i had no knowledge of. This makes no sense and I have no other outlets. 
Also, I had fraud alert and XXXX status on my credit profile until yesterday XX/XX/year>. I am not sure how some of these creditors got through without extra verification, but i would like something done or some help. 

Thank you kindly, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I sent a letter to Equifax regarding a XXXX XXXX collection account that was reporting an error and was inaccurate from what I understood for {$310.00}. I requested this to be investigated because it was inaccurate and to remove this item from my report. I also requested information regarding this, and I never received any additional information only that the collection account was verified. 

After mailing my letter to the Equifax credit bureau, I also sent a letter directly to XXXX XXXX on XX/XX/2023, which they never responded to me with anything that verified the collection account or non of the requested items I requested in my letter. 

Therefore, I sent another letter back to Equifax requesting their description of their investigation which they received on XXXX, and their XXXX to respond to that was up on XXXX.
Product: Credit card

I signed into my XXXX XXXX account on a friends TV, unaware that doing so would give them access to adding themselves to my XXXX XXXX, giving them access to charge items to my Amazon store card. On XX/XX/year> a {$12.00} charge was made, on XX/XX/year> a {$64.00} charge was also made to my Amazon store card. I was unaware of these charges being made and there shortly after, the person that made these charges got incarnated making me unable to gain access to his account to get the information needed to return the items and get my account corrected. I tried in several different occasions to contact Amazon about how he was able to charge and have access to my account, but I am unable to do the same with his to correct my own account. Amazon didn't have any explanation as to why he was able to have access to anything besides my prime account just from me signing into my account on his TV nor how I could gain access to getting the return information to get the items removed from my account. Between XX/XX/year> and now, a {$29.00} late fee along with interest on the original charges have accumulated on my account, more then doubling what my original balance of {$120.00} at the beginning of XX/XX/year>. My Amazon account has been closed and I have been making payments on my account, under the agreement that nothing more would be charged to my account. Yet they are still charging me a late fee every month for not making the full payment, which defeats the purpose of making payments as they get me no closer to paying off the balance. I don't think the charges should of even been able to be made on my account in the first place and Amazon did nothing to help me take care of the problem in the past 6 months. They would tell me to contact the credit card company Synchrony about the charges. When contacting Synchrony, they would tell me to contact Amazon about the charges, resulting in me getting nowhere with resolving the issue and my credit score being drastically declined.
Product: Mortgage

NOTICE AND DEMAND The information that is reporting for the month of XXXX is reporting a late which is incorrect. There is a forbearance plan in place and has been in agreement that has been kept please see attached payment that was made on XX/XX/XXXX which is not a late of a XXXX day late. This information needs to be deleted and corrected as not late. This erroneous reporting is on XXXX XXXX, XXXX and Experian and is causing a hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters for almost two years trying to get this account off of my credit report, this account does not belong to me and the entry is harming my credit report. I did not authorize this account.
Product: Credit reporting or other personal consumer reports

I sent a dispute letter to the Credit Bureau on XX/XX/2024 via regular mail. The credit reporting agency has failed to acknowledge, remove and block the fraudulent information appearing on my credit reports. The credit reporting agency also has failed to provide me with any correspondence, updates, or notify me of any changes and corrections made to my report. The credit Bureau has also failed to provide me with an accurate and valid credit report. The credit Bureau was sent the following information on XXXX, XXXX : credit dispute letter that included each fraudulent account and inquiry, police report, identity theft report, state attorney 's identity theft affidavit, FCRA section XXXX, social security card, drivers license, and my birth certificate. After providing this information to the credit bureau they failed to delete and block the fraudulent accounts within four business days from the receipt of notice. The fraudulent accounts are still appearing on my credit report as such : XXXX XXXX XXXX {$130.00}, XXXX XXXX XXXXXXXX {$1200.00} XXXX XXXX XXXX XXXX {$14000.00}, XXXX XXXX XXXX XXXX {$8200.00}, XXXX XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX XXXX {$900.00}, XXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX {$270.00}, XXXX. XXXX $ XXXX accounts are fraudulent and were not opened by me nor did I provide them with authorization or consent to use my information, and I also did not enter or sign into any contracts, or agreements with these creditors. The fraudulent accounts should be removed and prohibited from reporting on my credit as pursuant to section 605B which states that fraudulent information is required to be blocked and removed within four business days after the receipt of all evidence provided in which the credit reporting agency has failed to do. By failing to remove and block fraudulent accounts from my credit report within four business days of the receipt of notice of each of the fraudulent accounts, the police report, identity theft report, identity theft affidavit, section 605B of FCRA, proof of identity, and credit dispute letter. The credit Bureau is in complete violation of my rights by not complying and being completely negligent by not taking any actions to correct fraudulent accounts as required by FCRA law. The credit bureau has also been negligent in providing correct and accurate credit reports.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late paymen t reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I contact the credit breau XXXX and I told the i was a victim of the inquiry that someone apply for credit in my name I even call the creditor who pull my credit report and they advise me to contact the credit breau the company is XXXX the inquiry date isXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I pulled my credit report. I noticed there are accounts that I did not authorize. My name is wrong. I should be listed as XXXX XXXX XXXX, instead of XXXX XXXX as to seperate me from my family members with similar names. It is listed on my identification that I have attached. It also has accounts that belong to my father whose nameis XXXX XXXX on my credit report. The following addresses do not belong to me XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Pa, XXXX XXXX XXXX XXXX PA. The only listed Address should be XXXX XXXX XXXX XXXX XXXX  XXXX. All other addresses and Names and accounts listed under these are fraudulent. I have contacted XXXX Experian and XXXX to have this corrected to no avail. XXXX XXXX XXXX Account, XXXX card is fradulent, and XXXX XXXX XXXX XXXX are fraudulent accounts and should be removed.
Product: Debt collection

Convergent Outsourcing, Inc. contacted me via mail, in reference to a XXXX account that was already Paid and settled back in XXXX of 2015 With XXXX. ( Copies attached ) In the point of me addressing this, I faxed them a copy of the receipt FROM XXXX. I followed up days later to confirm that Convergent had received the faxed information. and they would n't confirm. Overall, this is an unfair practice, buying and reselling debt acct, that is being dealt out by companies and corporations that negatively affect consumers and in turn can/will possibly end up on one 's credit report as well as a possible judgment against persons. and on and on. Is n't this fraudulent on some level?
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANS UNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ATTN : XXXX XXXX  XXXX RE : XXXX XXXX XXXX  XX/XX/2022 Recently, I, was denied an extension of credit by XXXX XXXX XXXX XXXX XXXX On XX/XX/2022 I applied for a XXXX XXXX account. 

AS you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim in adverse action against a consumer. Pursuant XXXX XXXX XXXX XXXX ( XXXX ) and you assume civil liability pursuant XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX XXXX XXXX has violated my federally protected consumer rights : XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Since the letter you sent me dated XX/XX/2022 is both proof and evidence that I have been discriminated against, you are also criminally liable. XXXX XXXX XXXX XXXX should resort to reasonable procedures to rectify this affair and compensate me for the use of my social security number. Otherwise, this would be considered an unauthorized use since I have received NO BENEFIT. 

Following this initial attempt to rectify, I will be sending an invoice to collect actual damages for said violations.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a HARD inquiry on my report from XXXX XXXX. Which i have NEVER inquired about a loan or for a loan through this company or through AFFILIATES. Someone stole my SSN and I need this removed ASAP. I never inquired about a loan or gave my CONSENT for XXXX XXXX XXXX to pull my credit, to do an inquiry, or to make any financial decisions on my behalf based on the credit pull or findings. I'm requesting that you remove this FALSE information ASAP. I want to note that on XX/XX/XXXX i called the customer service line and they assured me that 'someone ' would work on it and didn't have a reference number. I do not trust that and need this to be resolved asap, so YES this is escalated.
Product: Credit reporting or other personal consumer reports

Victim of identity theft my safe was stolen from a car and it had my ssn card and other documents that were used.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I went to  XXXX    XXXX   to open an account. I was denied b y Early Warning.  I requested a copy of the consumer report, where to my dismay, I found several inaccuracies.     Please note that I was a victim of identity theft, and attached is a copy of the corresponding police report. Moreover, I also recently filed bankruptcy and some of the accounts were included in the bankruptcy.  See Bankruptcy Notice of Filing and Discharge.      I have also included a copy of my most recent   XXXX   report which will substantiate this information for you as well.
Product: Money transfer, virtual currency, or money service

am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the consumer Financial protection Act ( CFPA ). specifically, cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Debt collection

I purchased a few dozen items from QVC on their Easy-Pay installments, and in XX/XX/2017, I called and paid all future installments with concurrent verbal confirmation from three representatives. In XX/XX/XXXX, I have received myriad emails, phone calls, and letters in regards to an ostensible outstanding balance. I called and spoke to a representative on XX/XX/XXXX and was told that " there is no way for me to prove I paid it. '' I noted my statements and she [ the female representative ] suggested that they were going to collect the balance, whether I paid it or not. The outstanding balance is $ XXXX which, admittedly, is small- but I have already paid it. She then threatened me with collections and " irreparable damage to [ my ] credit '' if I did not pay. 
I know that scores of other consumers have had concerns with QVC verifying payment and then insidiously returning months later under the guise of a " past-due '' amount.
Product: Credit reporting or other personal consumer reports

Consumer reporting agencies continues to work with XXXX XXXX XXXX in causing damage to my principal capacity to rightfully contract by using joint business practices to take private and personal information and cause harm to consumer by discriminating and using illegal adverse and damaging of character or reputation, risk of identity theft, breach, trafficking and other exposures without warranting or insuring with verified affidavit or declaration of valid non-adhesion contract proving debt and consideration and that my information is safe without risk. Both Consumer reporting agencies and XXXX XXXX XXXX has a history of not being able to prevent consumer risk exposure of private and personal information as well as history of breach, and other federal and state violations. XXXX XXXX response to my previous CFPB was hank you for expressing your concerns. We appreciate the opportunity to address your concerns. We know this can be confusing, while XXXX XXXX is not a credit reporting agency and is not providing a " consumer report '' to any parties. We are a creditor and as such furnish credit history, positive and negative, to the credit reporting agencies. Claims regarding 15 USC 1681 do not apply. You did, however, accept our terms and conditions on XXXX XXXX XXXX, when you agreed to our terms and conditions which states both positive and negative payment history will be reported to the credit reporting agencies. In addition to your claim regarding 15 USC 1692a and 1692c ( c ), XXXX is not a " debt collector '' under that definition, nor has your debt been sent to collections. At this point, we have written off the debt in XXXX, so you will not receive any further notices about the debt. Because the previous late payment information reported is accurate, as per previous account review, and per federal reporting guidelines, we are unable to remove them. Furthermore, our review of your previous interactions with our support team confirms that you were aware of the account and that it was opened by you. We never received a request to cancel your XXXX subscription nor did we receive any disputes regarding the charges on your card. We have no further information at this time that indicates this account was opened due to identity theft. If you have a valid claim of identity theft that has been reported to the credit reporting agencies and/or proper legal authorities, please contact us at XXXX with the additional information and we will be happy to take appropriate actions.
Product: Debt collection

There is a collections account placed on my credit report from EASTERN ACCOUNT SYSTEM. I do not have an account with EASTERN ACCOUNT SYSTEM or XXXX. This account does not belong to me.
Product: Credit card or prepaid card

v Exit XXXX XXXX : CustomerXXXX : Initial Question/Comment : Hello ... My account is closed, yet I earned {$20.00} in cash back rewards ... how can this be rectified? 

XXXX XXXX : SystemSystem : Welcome to XXXX XXXX Card Live Chat. Your chat may be monitored and recorded for quality purposes. A chat agent will be with you momentarily. 

XXXX XXXX : SystemSystem : XXXX XXXX has joined this session! 

XXXX XXXX : SystemSystem : Connected with XXXX XXXX. Your Reference Number for this chat is XXXX. 

XXXX XXXX : AgentXXXX XXXX : Hello, XXXX. Thank you for contacting Synchrony Bank regarding the XXXX Store Card! 

XXXX XXXX : AgentXXXX XXXX : Let me check this for you. 

XXXX XXXX : AgentXXXX XXXX : I do see the account was closed on XX/XX/XXXX. 

XXXX XXXX : AgentXXXX XXXX : These are the previous rewards earned which are not active now as the account is closed. 

XXXX XXXX : CustomerXXXX : I understand this. However, I am making payments and earned that moeny. why is my account closed? 

XXXX XXXX : AgentXXXX XXXX : The account is closed due to returned payments on XX/XX/XXXX, XX/XX/XXXX due to insufficient funds. 

XXXX XXXX : CustomerXXXX : even though the account is now current? hmm ... I will be reporting this to the CFPB XXXX XXXX : AgentXXXX XXXX : Please allow me a minute here, please. 

XXXX XXXX : AgentXXXX XXXX : XXXX, please wait while I transfer this chat to my manager to assist you further. 

XXXX XXXX : SystemSystem : You are being transferred to another Agent. Please stand by ... 

XXXX XXXX : SystemSystem : XXXX XXXX has left this session! 

XXXX XXXX : SystemSystem : XXXX XXXX Operations Manager has joined this session! 

XXXX XXXX : SystemSystem : Connected with XXXX XXXX Operations Manager. Your Reference Number for this chat is XXXX. 

XXXX XXXX : CustomerXXXX : I really do n't need any further assistance. 

XXXX XXXX : AgentXXXX XXXX Operations Manager : Hello XXXX. 

XXXX XXXX : CustomerXXXX : I asked a question, it was answered, and now I am going to escalate the matter XXXX XXXX : AgentXXXX XXXX Operations Manager : I understand. 

XXXX XXXX : XXXX XXXX XXXX Manager : However I can explain this further. 

XXXX XXXX : XXXX XXXX XXXX Manager : XXXX, as explained that account can not be reopen to use the rewards. 

XXXX XXXX : CustomerXXXX : You as a company stated I would earn cash back, I made a payment that was returned, but was later rectified. However, not only was my account denied for a limit increase due to a collection that was fraudulent that has since been deleted from my credit report, but now my account is closed and you as a company are withholding the offer for the cash back that could have been placed on my account to assist with lowering the balance ... did I miss anything? 

XXXX XXXX : CustomerXXXX : Thank you, XXXX. I will no longer need your assistance.
Product: Credit reporting

XX/XX/2106, I was notified by Early Warning Services that information resulting from Identity Theft was being reported by XXXX and XXXX XXXX XXXX XXXX regarding charged off accounts that were abused and subsequently closed. I disputed the information with them several times, but the banks continue to " verify '' the information as " accurate '' even though multiple records are being reported with social security numbers that are not mine. On XXXX XXXX, after attempting to resolve this situation with them to no avail, I sent to Early Warning Services a letter requesting the information be blocked in accordance with FCRA 605b which included a copy of the police report stating the identity theft and institutions which were involved per policy. Since then they are still refusing to block the information from being reported claiming that it is up to the banks to delete the record and they have no responsibility to block the information. I attempted to contact them multiple times on XX/XX/XXXX and XX/XX/XXXX requesting a supervisor in attempt to resolve this situation or receive clarification and they are refusing to speak with me further. I am extremely frustrated as I have done everything required and am still not receiving any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the XXXX and XXXX XXXX, XXXX/XXXX, and SYNCB/Gap. The Account Opened is XXXX/XXXX Funding Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}. The Account Opened is XXXX/XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. The Account Opened is SYNCB/Gap Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.