23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Complaint Regarding Fraudulent Debt Still Reported as Charge-Off on Credit Report To Whom It May Concern, I am writing to formally file a complaint regarding a fraudulent debt reported by Continental Finance Company on my credit report. The account details are as follows : Creditor : Continental Finance Company Account Type : Credit Card Account Opened : XX/XX/year> Account Closed : XX/XX/year> Credit Limit : {$750.00} Highest Balance : {$910.00} Current Status : Collection/Charge-Off ( Derogatory ) This account was fraudulent and was not opened by me. After discovering this issue, I reported the fraudulent activity to the XXXX major credit reporting bureaus ( XXXX, XXXX, and XXXX ). Upon investigation, all three credit bureaus confirmed that the account was fraudulent and ruled in my favor. Despite this, the debt remains listed on my credit report as a charge-off, negatively impacting my credit profile. 

Furthermore, Continental Finance Company attempted to collect this fraudulent debt, causing unnecessary stress and hardship. Their failure to acknowledge the findings of the credit bureaus and remove this invalid debt from my report constitutes unfair and improper practices. 

My request : 1. Immediate removal of this account from my credit report across all three bureaus.

2. Confirmation from Continental Finance Company and the credit bureaus that the charge-off status has been deleted.

3. Assurance that no further collection attempts will be made regarding this fraudulent account.

Attached to this complaint are copies of my prior disputes with the credit bureaus and any relevant correspondence to substantiate my claim. 

The originally took this debt off my credit and it remained off for a few months and then just recently they added it back to my credit as a charge off without any debt owed. Ive already complained about this company multiple times and they keep on trying illegal tactics and violating my rights This situation has caused significant harm to my credit and personal well-being. I ask for the CFPBs assistance in ensuring this matter is resolved promptly and fairly. 

Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Recently reviewed my credit report and seen some accounts that i did not open and did not authorize anyone to open not sure how they are open under my name because i dont and cant seem to get control of the accounts to even get them shut down. 
So i contacted the companies ( XXXX XXXX and XXXX ), via email and asked for some correspondence back so we can figure out how to get these things resolved. I have not heard back from either companies and i dont know what to do to get this stuff removed from my credit report. I know that i have Rights and they are violating them witht these reportings. I dont want them on my credit report because i didnt not create and/or control these accounts. 
i emailed XXXX and XXXX on XX/XX/2022, and still no word from the company, i tried calling the number provided by experian.com and that instructed my to email andi did. Still nothing. these debts are not mine.
Product: Credit card or prepaid card

Ashley furniture bank card first lowered my credit card amount in XXXX with no notice. Then in XXXX they closed my account without notice based on fraudulent and inaccurate information from XXXX credit reporting. My rights have been violated and now my credit took 2 hits from them in less than 6 months.
Product: Credit card or prepaid card

I reported my card stolen. I noticed charges i had not made upon logging in on the app. So i go to grab my card to call the bank and they canceled my card i tried to add all charges that were not authorized and it wouldnt allow me to. So i wrote a message to support letting them know i have never received a response. I also never received a new card. Its been goon. On the 4th week now and i barely got a denial for my disputes. They claim i used the card after the charges of dispute. I did not one charged was made prior to my card being stolen. I went to, the tan shop about a week prior to the theft. And the put my card on file and they charged it later. Therefor the charge didnt show being made for the actualdate i went in. I had over a thousand spent of my tax money that they will not give me, back and they took almost a month to investigate or say anything, i still havent gotten my card. Simple bank should not be used
Product: Credit reporting or other personal consumer reports

PORTFOLIO RECOV ASSOC XXXX, VA XXXX Date open : XX/XX/2025 Original amount : {$640.00} This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX is incorrect on all 3 credit bureaus. Upon reviewing the report today XX/XX/23 I notice that the information is still incorrect ( the late payments, the loan amount, the balance amount ). The information is also not the same across the board when looking at each credit bureau report they all have different infomation in regards to this account. I am asking that this account be removed from my credit report for the information shown is inaccurate.
Product: Credit reporting or other personal consumer reports

Conducting sham investigations failed to property address consumer dispute improper reinvestigation and accurate consumer report stopping me from getting equity loan credit cards and business funding and I would like compensation reimbursement and we added to the lawsuit settlement they went past the 30 days and at some points I did not hear back from them Experian XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is very reckless with their reporting tactics on consumer 's credit reports. I found a tantamount of inaccurate information on my account from my name, to my address, to my social security number, to wrong information on my accounts, wrong status, and reports of derogatory items that were 10 years old and generic entries made by Experian on my accounts that lingered old accounts way past its statute of  limitations. Experian is the only reporting agency that shows more that a XXXX point gap on my account consistently from other reporting agencies. It showed that there were close to XXXX unauthorized inquiries made on my report and I tried to report that to them and got nowhere. My credit report shows a reflection of another person as I do n't recognize my name, social security number, my accounts, my address, or the XXXX inquiries on my report. This whole ordeal with Experian has caused me financial hardships because it has damaged my credit in many ways that seems unfixable. I 've reached out to Experian many times but received nothing in return. Experian needs to be held accountable for their reckless behavior on my report that has caused unnecessary hardships. I could n't get a student loan to finish school because of their carelessness.
Product: Consumer Loan

I have an auto loan with XXXX. The vehicle I have discovered is only worth about XXXX however the loan is out for XXXX. This is due to thr high interest rate and overstated price at the time of purchase. I fell behind on payments. XXXX called me numerous times. At times over XXXX times a day. I did eventually make payments but also was told by Drivetime that they would defer my late payments to help me out. A few weeks later, XXXX repossessed my car. There are exhorbitant fees charged equal to entire car payments. Buying. Car from XXXX is not like buying a car from other places. It is a bad deal and impossible to improve your credit from.
Product: Debt collection

I am the mother of the minor child XXXX XXXX XXXX my name is XXXX XXXX XXXX I received a call stating my child have a bill in her name they used the same social and birthday but the year was wrong they had XX/XX/XXXX when her birthday is XX/XX/XXXX making her only XXXX it made her seem like she was an adult when she is not so i took it upon myself to pull her credit using the year they provided and was shock to my finding this account is for my minor child she have XXXX i will enclose in this dispute her birth certificate he social and a bill for me and my temporary driver license this is an fraud account and please remove from this minor account and correct her birth year
Product: Debt collection

XXXX XXXX has violated 15 USC 1692 by continuing collection activity after cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus
Product: Debt collection

Credit Control , LLC is trying on behalf of XXXX to collect fraudulent debt. The parent company has been provided with all of the information, such as identifying information, and a copy of the fraud report from the FTC. Report # XXXX ( identity theft report filed with the FTC ). They continue to harass and send me letters even after they have been notified to cease and desist all communication, and been provided all legal documentation required by law to prove the debt is fraudulent. A hard copy was also sent to them on XX/XX/year>.
Product: Credit card or prepaid card

Company still REFUSES to provide account statements and bills. Asked multiple times by phone and electronically- they keep ignoring. CFPB complaints also ignored.
Product: Checking or savings account

On XX/XX/year>, I filed yet another fraud claim with Chase Bank. This time, XXXX claims that I authorised sending {$84.00} to another person XXXX XXXX XXXX XXXX XXXX through my inactive account. I do not know who this person is at all, and I never send money to another person using XXXX. I contacted Chase, and they did a courtesy credit for the full amount back into my account while they investigated the transaction. Then on XX/XX/XXXX, my credited money was missing from my account, and they reversed this fraud charge. I called the claims department about it, and they said that after their investigation, they agreed with XXXX that I had authorised this transaction, which I absolutely did not. My XXXX account showed that no recent transactions had occurred because it has been inactive for many months. Chase said they will not offer any further assistance to settle this issue. Fraud transactions to my XXXX  account have been a recent ongoing problem and Chase has always collaborated with me to resolve all of them until now. This time, they do not believe that I am telling them the truth and are pretty much calling me a liar!
Product: Debt collection

In my original complaint about GLA Collections I had asked them to provide confirmation that this account was going to be removed from my credit. In their response to me they stated they would request the " trade line '' be removed. This means two things, first, that the request has not yet taken place. Second, they did not provide me any form of confirmation of the request other than their word which means nothing considering they didn't provide written notice or otherwise of this account in the first place. Until they provide me confirmation in the form of a Control # from Eoscar or a letter sent to me via email at XXXX showing the request has been placed with the credit bureaus, I am considering their actions threatening and emotional harassment. 
I have done nothing wrong and this company is ruining my credit every single day, and until I have proof that the removal of this account from my credit is being taken seriously I will consider legal action.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$1300.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$450.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$50.00} XXXX XXXX XXXX XXXX Balance Owed : {$330.00} XXXX XXXX XXXX Balance Owed : {$13000.00} XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing these purposes to dispute specific information in my credit file ; and to request a reinvestigation, correction, and removal of inaccurate information from my Credit Report, as well as measures to prevent its re-insertion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello, I have called Ally bank 16 times in 1 week because they blocked my online account access to use my money. Since this is an online bank so I can not go to the branch. Everytime I called it is 3 hrs long call and they transfer me to fraud dept ssying we can not talk to you. The fraud dept says and specialist will call in 1-2 days and nobody calls. I request to talk to supervisor but then agent hangup the phone. I am really worried of losing my money in the account. I just want to access my account so I can get my money and then I will close my account. Since day 1 I have had issues with this bank. First it was with setting up the zelle service and that was never resolved and then it is now that I can not access my own money. Please please please help me with this. I can not share my account number because they blocked my access and I do not have an account number in the welcome email. Here is the link for the platform where other people having the same issue. XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Paypal closed my account without giving any reason or rationale. There was no response after reaching out to PayPal to explain or to appeal the closure.
Product: Mortgage

I put my home up for sale in XXXX, XXXX. I needed to move to another city for work. I had a years worth of income stolen from me which made paying the mortgage difficult. In XXXX of XXXX I applied to defer payments while the house was being sold. In XXXX I called to see if the loan was assumable, I don't have a way to see the whole secure message anymore but I'll include a screenshot of that email. I called and checked with the bank many times, they didn't have an answer. I received no bills, no calls, emails or any other type of correspondence. I did make sure they had my correct contact information. In early XX/XX/XXXX, my realtor went to my house to show it to 2 potential buyers and found a lock on the house. I called the bank, they told me that my house had been sold and they had no further information. I looked up the foreclosure process and say that I should have been sent notices, and a notice should have been filed with my county clerks office. I spoke to the county clerk and they had no record of any notices. I have no idea what happened. If I had received a notice of default, there is a chance I could have borrowed the money since the house should have been sold. I am including a screenshot of my email folder showing all communication with the bank, as you can see nothing came in that was concerning or even a bill.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/2023, to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXXXXXX Balance Owed : {$2200.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXXXXXX XXXX account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request under pursuant to FCRA 605B ( 15 USC 1681 c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my credit report that is the results of Identity theft, XXXX data Breach and fraud withing 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of these following accounts XXXX XXXX XXXX, These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I DO NOT RECOGNIZE THE AFOREMENTIONED ACCOUNTS, COLLECTIONS AND HARD INQUIRY APPEARING IN MY CREDIT REPORT MAINTAONED BY YOU WERE NOT OPENED, MADE OR INITIATED BY ME. ALL OF THE MENTIONED ACCOUNTS ARE THE RESULT OF IDENTITY THEFT, XXXX XXXX XXXX  AND FRAUD. ATTACHED TO THIS IS A ACOPY OF FTC IDENTITY THEFT REPORT AS PROOF FROM US FEDERAL TRADE COMMISSION.
Product: Mortgage

Notified my servicer on  XXXX   XXXX  that my property taxes where showing delinquent on the   XXXX   XXXX     county  tax assessors portal and I was receiving past due notices from the tax collector as well.     My servicer figured out that they had been paying my property taxes to the wrong property. On  XXXX   XXXX  I was told that they would fix this and make sure the proper account was accredited. It is now ov er one  month later and I have contacted the  XXXX   XXXX   County Tax Collector and they have no record of my servicer ever calling to fix the error or apply the funds to the correct property address or request a refund from the other homeowner that the taxes where in paid in error to.
Product: Credit reporting or other personal consumer reports

Upon examining my credit report, I discovered a billing error. The late payment does not correspond with my typical payment behavior.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX Account Name : XXXX  : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Crefit Reporting Act Convergent the accounts listed below 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 Account # XXXX Account Status : Closed Date Opened : XXXX XXXX Account Type : XXXX XXXX Balance on XXXX XXXX {$30000.00} Loan Amount : {$21000.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Status : Closed Date Opened : XXXX XXXX Account Type : Utility Balance on XXXX XXXX, XXXX {$610.00} Loan Amount : {$610.00} Charge off XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Account # XXXX Account Status : past due, assigned to attorney, or collecting agency Original Creditor : XXXX XXXX XXXX XXXX {$820.00} Balance updated XXXX XXXX Collection Opened : XX/XX/XXXX Account Info : Disputed by consumer XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXXccount # XXXX Account Status : past due, assigned to attorney, or collecting agency Original Creditor : XXXX {$940.00} Balance Updated XXXX XXXX Collection Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX Account # XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX : Dispute resolved-Consumer disagrees {$1300.00} Balance Updated XXXX XXXX Collection Opened : Feb 18,2020 150 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Account # XXXX NO BUSINESS INFORMATION IS ON CREDIT REPORT Account Type : Collection Account Balance : {$95.00}
Product: Student loan

I have made payments every month using the online feature, however I have been receiving messages that my loan is 95 days overdue even though I make a payment online every month. When I called I was told that my loan payments was not allocated to where it was supposed to go. I called Navient and was told that they were going to fix this problem and reallocate my previous payments but this has yet to happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 15 USC 1681 section 602 A, States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) years. 15 USC 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 reasonable cause to believe that the information is inaccurate.
Product: Debt collection

the rep I speak to has called me day after day. There are dunning laws that protect the individual from speaking to any debt collections and this company and its rep are in violation. 
For example we spoke on XX/XX/XXXX at XXXX XXXX MST  and talked about how to settle the debt and I was called again on XX/XX/XXXX at XXXX XXXX MST. 
There is a grace period that allows consumers and debt collectors to not have communication and when I asked about the dunning law she said she had no clue.