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

Several fraudulent charged off accounts are being reported on my credit report with a past due balances. Fraudulent accounts can not be reported with past due balances. I have reported these fraudulent items to the Federal Trade Commission.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an Auto loan on my credit that is worth over XXXX dollars that is not mine.
Product: Credit reporting or other personal consumer reports

Transunion credit reporting is reporting a collection account XXXX XXXX ( original creditor ( XXXX XXXX ) as open. A collection account can not be reported as open. This is a FCRA violation to report false inaccurate information. Please remove from my report.
Product: Debt collection

I.C. System, Inc., as a debt collector for XXXX ( now apparently known as XXXX XXXX ) has renewed a bogus demand to extract {$140.00} from me without providing any evidence that I have ever had a contract or other business relationship with XXXX or evidence that the modem I hold in safekeeping is XXXX property. I was first contacted by I.C. System, Inc. about this bogus debt payment demand in XX/XX/2021 ; I timely and repeatedly responded by certified letters demanding evidence of a contract or other business relationship between XXXX and me or proof that the modem I have in safekeeping ( having been left in the apartment I had rented until XX/XX/2021 ) was XXXX ' property. No such evidence or proof was ever provided, nor was any attempt made to explain the absence of such evidence or proof. 

Nonetheless, I.C. System and XXXX have just renewed their harassment to extract money from me without evidence or proof I owe anything or have property that is owned by XXXX. Such efforts to collect bogus debt on false pretenses must be stopped. No consumer should be put to the expense in time and money to address such fraudulent efforts to extract money without evidence or proof that the consumer has any obligation.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit reports and am writing to dispute the following information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX transunion XXXX XXXX XXXX XXXX XXXX {$4800.00} Date Opened XXXX  XXXX, XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX Balance {$3800.00} Date Opened XX/XX/XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX date opened XX/XX/XXXX {$720.00} I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX date opened XX/XX/XXXX {$18000.00} I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXXXXXX XXXX XXXX Date opened XX/XX/XXXX Balance XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

sunrise bank self lender date opened XX/XX/XXXX balance XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

Inquiries 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: Student loan

I have previously filed a complaint against Mohela for how they handled my XXXX, undercounting payments and being impossible to reach but this was essentially closed due to the Department of Education taking over this count. Mohela 's count was XXXX and I've made XXXX qualifying payments. This is confirmed by XXXX and I am told by them that it is being processed. I have informed Mohela of about this but Mohela continues to harass me for payment even though I have asked repeatedly for forbearance/suspension of payments until this is resolved. They claim I did this on XX/XX/XXXX when I had previously made such requests before. As they continue to harass me with letters of accumulating interest and payments due, when I call their customer service number it is still difficult reaching them and I am greeted with a threat to turn me over to a collections agency. ( Further, I am temporarily XXXX, a forbearance that my previous servicer XXXX honored but Mohela has ignored. ) I filed a complaint through XXXX and received a letter attached which I interpret to put the onus on me to do something further ( with no explanation on what other than to call a number that is nearly impossible to reach ) and further harass me for payment with the excuse they have no information on my XXXX This letter is attached. Mohela has been an adversarial and predatory student loan servicer and I wish to reopen my complaint against them.
Product: Debt collection

I received two correspondences dated XX/XX/2023 and XX/XX/2023 with my full name and current address claiming that I owe unpaid tolls and associated fees to Massachusetts DOT. The correspondence are very similar to an actual overpaid tolls bill. The purported company used my full name, physical address, and may also know that I was physically present in the state during the listed trip dates for unpaid tolls. The letter header is from Linebarger Goggan Blair and Sampson, LLC, which is an actual debt collection law firm, and the address in the header is XXXX XXXX XXXX, XXXX, MA XXXX, an address to an attorney 's office in Massachusetts. The method of payment, website, and contact information were the first indications that this is fraudulent correspondence from someone purporting to be part of the debt collection law firm. However, any reasonable person would think twice when receiving these letters, especially someone who travels frequently. I'm confident whoever sent these letters has successfully scammed many consumers and hope you can help stop this from happening to someone else.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company ( Original Creditor : XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$130.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the months of XXXX, and XXXX in the year of 2020 I've sent XXXX  two rounds of dispute letters stating that information that is displaying on my credit profile is not accurate and fraudulent information that I did not authorize. Each time of request they have sent me false results stating that the information disputed was not on my credit profile which is impossible to be true because I discovered the information of the accounts I did not recognize on there website XXXX. I have provided all documentation to them with proper verification so there is no reason the disputes have not been granted to be deleted. I stated that I was not able to verify any information pertaining the fraudulent accounts displayed on report because I am clueless to them with me not being the individual to open them. I am looking for issue to be resolved immediately.
Product: Checking or savings account

I reported my identity compromised and debit cards stolen on XX/XX/2021 to my bank Fifth Third National Bank. The cards were not canceled and an identity thief was able to conduct transactions on 4 different accounts using ALL 3 debit cards, making fraudulent and stolen check deposits and withdrawals at a banking center, transfers at a teller level, gained access to online banking and PIN number up until XX/XX/2021 even after NUMEROUS calls to disputes, bank protection, branch locations, and various supervisors. Several investigations have been done, without my oversight ( as bank protection has decided to close my accounts ), leaving me with no online access and XXXX frozen accounts. Due to the bank, and Vice President XXXX XXXX of the XXXX XXXX Fifth Third Branchs breaches of duties to protect my accounts, XXXX  whom I asked personally to lock my accounts and he chose not to on XXXX XXXX resulting in MORE fraudulent transactions occurring at his branch, I am unable to withdraw any funds from wither checking account due to a negative balance in my savings. The investigation has stated my transactions were fraudulent and this imposters were legitimate, and was told there is NOTHING i can do. I have been served eviction paperwork in the 30+ days I have NOT had access to my funds. I SHOULD NOT BE LIABLE FOR THE BANKS FAILURES TO LOCK DOWN MY ACCOUNTS AFTER REPORTING TO THEM THE ISSUES!
Product: Credit reporting, credit repair services, or other personal consumer reports

I found some fraudulent accounts on my credit report and I sent necessary paperwork to Equifax to have them removed and Equifax has not done anything.
Product: Credit reporting or other personal consumer reports

I am writing to contest the presence of an unauthorized accounts on my credit report, as provided by your bureau. Upon thorough examination of my credit report, I unearthed the accounts that I firmly believe is the product of identity theft. Last XXXX, I contacted the banks associated with these accounts, and they assured me of its removal from their records. I have been made aware that other credit bureaus have already expunged this fraudulent accounts from their records. This raises significant concerns regarding the accuracy and timeliness of your bureau 's reporting practices. Despite my proactive efforts to address this issue, the account persists on my credit report under your bureau 's reporting.To bolster my claim, I have filed a formal complaint with the Federal Trade Commission ( FTC ) and have furnished the bank with documentation regarding the fraudulent nature of this account. I respectfully request that you conduct a thorough investigation into this matter and expunge the fraudulent account from my credit report. 

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

I XXXX XXXX XXXX SUBMITTED DISPUTES AND DOCUMENTS REGARDING INFORMATION THAT SHOULD NOT BE REPORTING ON MY CREDIT REPORT AND BY LAW THESE ACCOUNTS SHOULD BE REMOVED IMMEDIATELY. I AM IN THE PROCESS OF PURCHASING A HOME AND GETTING A SBA LOAN BUT THE ACCOUNTS ARE HOLDING ME BACK. THIS IS DEFLAMATION OF CHARACTER AND FRAUD.
Product: Debt collection

Page 2 Represents the purpose of the Overdrafts fees They also state that the Debit Plus program will cover any fees dealing with insufficient funds. There is no mention of any thing else but that. 
Page 3-4 ( Message Detail ) confirms that I in fact had overdraft fees and not special handling fees They also confirm that I'm currently enrolled in the Debit Plus Program and there's never any mentions of " Special Handling Fees '' Page 5 & 6 are the closest representations to the totally free checking account I signed up for again there is never a mention " special handling fees '' Page 7-9 is from the Bank Vice President who had time to make up false terms and did not know about the communication with the online bank customer help. He contradicted the statement that was said on Page 3 that was seen for their brochure on Pages 2 & 6 about a {$30.00} overdraft fee which was never properly applied to my account since its inception. 
The explanation given that I had " special handling fees '' was a bit of a fallacy and it was the exact same amount as Overdraft Fees which were {$30.00}. He also states I had a full mailbox ( That wasn't true they just didn't want to communicate back with me ) Page 10 on starts the highlighted " Special Handling Fees '' of {$30.00} which mostly include " Continuous Overdraft Fees '' of {$10.00} more to my account. When I first started with my account the online banking would present the {$30.00} charges as " Overdraft Fees '' it wasn't until after the statements came out or days later when the amount charged would not be covered and have the label " Special Handling Fees '' They add in additional funds owed to over {$300.00} to {$310.00} in collections because that would also become a XXXX XXXX history on top of the amount of " special handling fees '' even after the closed out amount on my account was {$280.00} and they never covered a single overdraft.
Product: Credit reporting or other personal consumer reports

This account is fraudulent. I have asked for proof several times and have yet to receive it. This a XXXX party company that I have never had a contract with. I have filed a police report about this matter. please delete this from my account ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX XXXX XXXX # XXXX are double reporting an account on XXXX. This is the same account and it is really old and should no longer be on my credit, as well as they should not be double reporting. The XXXX XXXX 's original creditor is the XXXX XXXX XXXX but the XXXX XXXX XXXX is still reporting a collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th attempt to get this matter resolved. I've submitted 3 previous complaints with the CFPB & you claim I'm submitting the information for someone else... I have no clue what in the world you're trying to accomplish by ignoring my request but it's just creating additional emotional & physical distress. Transunion has failed to comply with Fair Credit Reporting Act ( FCRA ). I disputed information was reporting to my credit file held with Transunion. This account was opened fraudulently. I informed them of the issue & provided them with the required documents to block/remove the account via FCRA Section 605b . They have failed to block the account, additionally they have failed to provide me with any legal contract to reflect I was the one who opened the account. I need this account removed from my report ASAP. Here are the names of the data furnishers & the account : XXXX  XXXX Date Opened XX/XX/2018 Balance {$0.00}
Product: Debt collection

XXXX is reporting an account on my credit report on behalf of Portfolio recovery associates. The account which did not arise out of a written contract or agreement is now being showed to be owned by me. Portfolio is listed a XXXX XXXX account.
Product: Vehicle loan or lease

On XX/XX/XXXX, I pulled my credit report and realized that there were items and accounts opened on my credit that I did not authorize. 
On XX/XX/XXXX, there was an auto loan that was open utilizing my information such as name and old address along with my social the acquire this vehicle. 

I contacted Exeter Finance, which they explained to me that the vehicle had XXXX individuals on the loan. I did express that I was aware of the individual however I did not sign any papers of authorized anyone else to sign papers on my behalf. 
Exeter advised Exeter current calls and mails me expressing that I can pay off my loan with 2.5 %. Unfortunately, I don't feel as though I should be responsible for something that I did not do. 

Exeter currently has the account on a charged off status with {$8300.00} due on a loan that was initially {$9100.00}. 

I would like that to investigate and if unable to provide proof that I signed the documents and agreed to being responsible for someone else loan.
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 confidentiality 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX XXXX XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Mortgage

In XX/XX/2010 because our income had declined by over 50 % during the real estate crisis, we contacted our mortgage servicer Bank of America to ask for a loan modification. They ( B of A ) told us we qualify for the " HAMP '' mod program and the instructed us to start the trial period by making modified payments, which we did starting in XX/XX/2010. The trial period was supposed to be 90-days then either an acceptance or denial would be issued, based on on time payments. We followed their requirements and made all payments on time as prescribed, only to be declined 7 months into the program with no notification from the mortgage servicer. We called in to the bank in XX/XX/2010 to see where we stand because we had not heard from them at all. At that time they told us we were declined for modification because their " Investor Guidelines '' stated we had to be delinquent at the time of entering the HAMP program. We were understandably upset by this and the lack of communication from Bank of America, they had to know we were not delinquent at the time they told us to enter the trial payment period, so we filed a formal complaint with the US treasury service by the advice of our HUD counselor. Then approximately 3 weeks later we got a call from someone at B of A to see about resolving the issue. They put into an " in house '' loan modification which amortized us out another ten years on the note, reducing the payments for three years. The current issue is they refuse to modify our loan now based on our current income, continuously giving us the run around for reasons why, and they are reporting us as 60-90-120 day lates back in XX/XX/2010 when we were making the modified payments they put us in. We have asked them to update our credit report to show no lates as per page XXXX of the HAMP modification program guidelines, it clearly states that if the borrower is current at the time of entering the loan modification trial period and makes all the trial period payments on time, they are to be considered " Current '' as far as credit reporting is concerned .... I have asked B of A to adjust this issue as it prevents us from being able to refinance our current loan or sell our house and purchase another mortgage more affordable. They are not able to effectively respond and get this done, just dragging their feet and stalling us ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

Presently, while the account is showing a {$0.00} balance, it is reporting that it was 180 days past due. The account WAS NEVER 180 DAYS PAST DUE. The previous loan servicer did not correctly apply loan forgiveness paperwork in XXXX. I was not notified of this until XXXX. After repeated attempts to get this fixed, and threaten legal action, the previous servicer ( XXXX XXXX ) transferred this loan to XXXX XXXX XXXX. In doing so, they still failed to have the paperwork correctly entered. Upon Transfer, the XXXX XXXX XXXX  applied paperwork, but still reported the loan as 180 days delinquent, which is completely false. This needs to be resolved, as the account was never late!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Want to file complaint against Experian, XXXX and XXXX. These companies are not complying with their own policies in a timely manner. All 3 companies were contacted on XX/XX/XXXX in regards to the following discrepancies. Also XXXX was contacted on XX/XX/XXXX. In addition to complying in timely manner, Violations of the CARES Act occurred during XXXX. On XXXX XXXX Letters were sent to correct personal information and inaccurate data still exists Late payments from XXXX XXXX - Acct : # XXXXparticularly during XXXX Dispute of Violations of the CARES Act Late payments from XXXX XXXX XXXX XXXX : XXXX XXXX during XXXX : Dispute of Violations of the CARES Act XXXX XXXX Acct # XXXX in the amount of {$52.00} No Name Collection Account Acct : # XXXX listed duplicate Inquiries from XXXX XXXX on XX/XX/XXXX and XXXX XXXX on XX/XX/XXXX XXXX XXXX as a Charge off as bad debt Late payments XXXX XXXX XXXX XXXX