23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Attempted to dispute with collection agency. Information on all XXXX Credit Reports does not match. Date opened on XXXX shows XX/XX/XXXX, while XXXX and XXXX show an opened date of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX is {$0.00}, While XXXX and XXXX is {$600.00} Credit limit on XXXX is showing {$300.00}, while XXXX and XXXX show $ XXXX last active on XXXX and XXXX show XX/XX/XXXX, XXXX shows a date of XX/XX/XXXX as Last active. How can there be a a large gap between 2 bureaus. 
Date of last payment on XXXX and XXXX show XX/XX/XXXX, While XXXX shows date of last payment as XXXX.I want this deleted from all three of my credit reports : XXXX, XXXX and XXXX immediately XXXX As it has a detrimental effect on my credit and due to the fact it is not being reported accurately, it should be removed.
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. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : XXXX, DEPT OF ED / XXXX : XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX : 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 supposed to modify accounts that aren't reporting correctly.

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

There are inaccurate information reporting on my credit file : Addresses : XXXX XXXX XXXX, MS and XXXX XXXX XXXX, MS I was never 60 days late on my XXXX/XXXX  XXXX account. Please verify this information and provide me with proof of this verification. 

I was never 30 days late on my XXXX/XXXX account. Please verify this information and provide me with proof of this verification. 

These are not my inquiries. Please remove unauthorized inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in USA two times as XXXX student ( summer work and travel program ). My first trip was from XX/XX/XXXX till XX/XX/XXXX. During the first trip, I opened XXXX  XXXX XXXX checking account and close it right before I left a country in XX/XX/XXXX. The second trip was from XX/XX/XXXX till XX/XX/XXXX. During the second trip, I opened a XXXX XXXX checking account and close it right before I left a country in XX/XX/XXXX. From XX/XX/XXXX till XX/XX/XXXX I lived in XXXX. When I came into the USA in XX/XX/XXXX I went to XXXX XXXX XXXX to renew/reopen my checking account. The banking clerk told me that she cant open for me regular account because of my bad credit history, she opened for my opportunity ( limited ) checking account and suggest to check all my information within a credit bureau. I was shocked because I have never applied for any credit lines/loans/credit cards in the Unites States until XX/XX/XXXX. After a few months ( when I came here in XX/XX/XXXX ), I found out information about credit reports/score/credit history. I log in to XXXX/TransUnion and XXXX XXXX to check information under my SSN and find out numerous accounts under my name which was opened when I even didnt have a visa to the USA. Those accounts were opened within XXXX years when I lived in XXXX and dont even think about the USA. So, this complaint about ALL information which apper from XX/XX/XXXX till XX/XX/XXXX. I physically lived in XXXX from XXXX XX/XX/XXXX ( which is my DOB till XX/XX/XXXX except to trips to USA that I explain in a beginning ) -it 's no way for me to use this cards. I multiple times explain that over the phone to all credit bureaus and have sent ALL my personal information to confirm my disputes but I am still waiting for the full resolution about a year and suddenly some past FRAUDEN accounts appear at my reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX To Whom It May Concern, 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 : 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.

I did not give permission for my information to be shared with third parties and I believe I was targeted. This is a blatant abuse of power, plain and simple. My credit score was XXXX points and now my credit score is XXXX points and I have no outstanding debt, I respectfully request for my credit score to be returned to my previous score of XXXX points. 

Best, XXXX XXXX.
Product: Debt collection

Summary Description of my claim with CFPB with respect to improper behavior by CACH LLC and its assignees. 

CACH LLC XXXX XXXX XXXX XXXX SC XXXX Despite a dispute being filed with XXXX  and XXXX nearly 13 months ago ( XX/XX/XXXX ) due to the appearance of a record with an account number, amount and date that do not match any records that I have, this party ( CACH LLC ) continues to refresh this entry on my report and pursue collection activities ( letters through XX/XX/XXXX ) without acknowledging my dispute, providing any of the documentation required to validate their claim, or their right to pursue it as prescribed in previous rulings and consent orders handed down by CFPB to CACH LLC and affiliates for similar behavior. 

For more than 12 months since the dispute was documented with the credit reporting agencies, CACH LLC and its assignees continue to assert their claim in communications to me while neither acknowledging my dispute nor making any attempt to prove the validity and accuracy of this claim and their right to pursue it. This is a clear disregard of their obligations as defined in FDCPA and FCRA.

1 ) Section 807 ( 2 ) ( A ) of the FDCPA, 15 U.S.C. 1692e ( 2 ) ( A ) specifically prohibits the false representations of the character, amount, or legal status of any debt.

2 ) Section 807 ( 8 ) of the FDCPA, 15 U.S.C. 1692e ( 8 ) specifically prohibits the false, deceptive, or misleading representation of information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed CACH LLC and their representatives blatantly ignore these guidelines, as they have done so many times before, in order to blindly pursue payment on a claim I do not recognize and that they refuse to properly document for origin, amount, validity or even dispute status. Yet, they keep contacting me and updating this undefined negative collection item on my credit reports, presumably to force a nuisance pay-off, or me to deal with them. Which I am doing now through this complaint.
Product: Vehicle loan or lease

could n't pay the note, once repossessed they added another XXXX on the car so I could n't get it.. they then sold it did not disclosed the amount they sold it for and left me with a balance of {$10000.00} for a {$15000.00} car.
Product: Checking or savings account

I was XXXX  in XXXX and an account was opened in my name while I was away. Bank of America allowed someone to open an account under my name and when I came home in XXXX I tried opening an account and was denied by several banks I then found out I owed Bank of America money so I called because I had closed an account with them before but I didnt owe them any money I was sure there was a misunderstanding. Ups on speaking to them I was informed I was negative over {$300.00} and that the account was closed due to frauds activity. They informed me a check was deposited and the account was closed because the check was fraudulent and I explained to them I was in  XXXX  and had no access to opening an account I asked if I can file a report they took a report of fraud and Said it will take 30 days. I called a months and a half back and they told me that since it was under my name Im responsible that the bank was a victim I told them Im a victim I cant open an account and Ive since realized some credit cards with XXXX  XXXX  were opened too and I owe there too. The Bank of America person told me i not considered a victim because they are the ones who lost money so I cant remove this and im XXXX listed on XXXX  for 5 years. I can prove I was XXXX im sure there are cameras and we can see that the person was not I how can I fix this
Product: Credit card

At one point in time I filed for an apple credit card via Goldman Sachs and then closed the account. This was around 2022 when it closed and they still are showing up on my credit report and I do not know why? It says via XXXX that dings like this fall off after 3 months and few years later is still there. Its been eating away at my credit score ever since. I need it to be fixed and to show up as a technical error. Its also saying my oldest credit card account was from nine years ago but is also saying I closed that and still have XXXX  XXXX from 9 years ago. I should be getting rewarded credit for this and havent been. Changing to a new XXXX  XXXX card doesnt mean that I sold off my credit history from the previous XXXX years for the new card. Its still capital one and shouldnt change. Only the interest rate and fees should be charged if they ever do accrue! Its ruined my credit history because of this. My longest account by date should have me at 9 years still not 3 years. Apple credit card ding should be removed entirely
Product: Credit reporting

MY MOM AND DADS CREDIT SHOWS UP ON MY CREDIT REPORT. MY DAD AND I SHARE THE SAME NAME. GOING THROUGH A RE-FIANCE AND ITS CAUSING MY CREDIT SCORE TO BE IMPACTED.
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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  REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights!

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I keep getting daily calls from local XXXX number ( Halsted Financial Services debt collection ) ... ( XXXX ) XXXX ; a recorded message. When I call the number back one minute later there is no answer.
Product: Debt collection

This company settled a lawsuit out of court with me and they are refusing to remove the supposed debt from my credit report. It needs to be removed.
Product: Credit reporting or other personal consumer reports

Ive disputed these accounts to Experian, XXXX XXXX XXXX I have definitely been a Victim of Identity Theft and these accounts Ive reported they keep saying its mine they dont belong to me and sure dont belong on my credit report.
Product: Money transfer, virtual currency, or money service

My XXXX XXXX XXXX has a virtual account wallet with PNC and I am the custodian. On XX/XX/XXXX, three separate money transfers through XXXX were done to XXXX XXXX. One for {$150.00}, {$170.00} and {$200.00}, wiping the account clean. I disputed this with PNC and they referred me to XXXX. After an hour hold time, my son spoke to XXXX and answered their questions, I wanted to talk to them to fully understand the process and they told me they couldn't talk to me since I wasn't the primary on the account. I then went to a PNC branch and they told me I have to deal with XXXX, since they are a third party and that you generally don't get your money back on these types of situations. My son didn't give his user ID or password out to anyone and he doesn't know a XXXX XXXX. PNC should protect fraud on accounts and if they choose to utilize XXXX, that should be part of their responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX XX/XX/XXXX I filed CFPB complaint XXXX against Equifax because they failed to fix invalid/unverifiable information within my credit file. I provided a coopy of the complaint against the data furnisher I'd submitted to the US Department of Justice. That complaint outlined the various violations of TILARegulatoin Z in which the data furnisher stopped generating both paper and electronic statements. With the copy of the complaint I supplied over two hundred pages of documentation. Highlighting the data furnisher 's own acknowledgement that they had not been billing me.I also included sreenshots shoiwng the data furnisher 's system did not register me as having accounts, copies of " new bill '' notifications that corresponded to no accounts, and multiple billing error notices. Finally I demonstrated the data furnisher was unwilling provide me with copies of statements ( they did not exist ) and how the data furnisher was only willing to provide a screen dump allegedly from an internal system. TILARegulation Z requires that a data furinsher provide periodic billing statements for open-ended accounts. This data furnisher did not and continued to mark the payments late even after they received multiple billing error notices. Equifax allegedly conducted an investigation " updating '' the information for the account. It is now XXXX XXXX of XXXX and the invalid/unverifiable information continues to exist in my credit file with equifax. A data furnisher engages in unlawful and unfair practices if it is non-compliant with TILARegulation Z when providing periodic statements to a consumer. Moreover, a data furnisher is found engage in deceptive and abusive practices if the data furnisher then supplies one or more consumer reporting agencies with information that was generated by violating TILARegulation Z. The FCRA is quite clear in what the responsibility of the data furnisher is when supplying CRAs with information. Equifax has been provided sufficient documentation to know the information being supplied by the data furnisher is inaccuate and unverifiable. Information that is generated by violating Fedral statute and/or Federal Codified Regulations is on its face inaccurate and should not be included in a credit file for a consumer because it is misleading at best. Equifax needs to remove the account/tradeline from my credit file. It is the only CRA of the 3 major CRAs still reporting this information. Equifax continued inclusion of this invalid information in my credit file is harming me as a consumer and preventing me from obtaining housing.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681a - Definitions ; rules of construction ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

2 ) Exclusions. the term consumer report DOES NOT INCLUDE ( Definition of exclusions : refer to things or individuals deliberately left out or not included in ) ( Definition of Include : The term include means to contain something or to make something part of a whole. It involves incorporating or considering someone or something as part of ) any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Definition of consumer : an individual Definition of person : The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. 
They are reporting a transaction and an experience which Congress states is not INCLUDED in my CONSUMER REPORT Their opinion does not matter the U.S federal law is the law and it clearly states transactions and experiences are not INCLUDED in my consumer report.

Delete the account off all my consumer reports immediately. 15 U.S. Code 1681- Congressional findings and statement of purpose They should not be reporting negative information about me to a company which Congress says Assumed a vital role and has the ability to damage my mental and financial life. This causes me not to be able to move forward with my life which is not ( fair ) and credit reporting has to be fair to me the consumer! Either way transactions and experiences I had with them are not included in my consumer report. 
SELF FINANCIAL is in violation of the federal law. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( up to {$1000.00} ) U.S. Code 1611- Criminal liability for willful and knowing violation ( up to {$5000.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX*** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX
Product: Credit card or prepaid card

I entered two Charge Backs with Chase Bank. A deposit {$3000.00} which I gave XXXX XXXX XXXX for new sails and then {$3500.00} which XXXX XXXX XXXX charged without my consent before delivering the complete order. On XX/XX/XXXX Chase called telling me they had received XXXX XXXX XXXX 's response letter which they were sending me. I was told that I would need a third party to rebut this letter as evidence that the Sails were not made correctly and that I had not received the complete order. I called Chase twice on XX/XX/XXXX telling them I did not receive the letter sent XX/XX/XXXX. I asked for the letter to be emailed or next day mailed. They said they could not do either. I was told it takes 10 business days to get a letter. I called twice on XX/XX/XXXX to confirm I still did not have the letter. The second call on XX/XX/XXXX, I talked to a supervisor named XXXX for 35 mins. I asked him to next day mail the letter. He did not nextday mail the letter. He told me I had 30 days from XX/XX/XXXX to respond. He was not competent enough to read the letter which stated, " Since this is a time sensitive matter, please provide your response by XX/XX/XXXX '' On XX/XX/XXXX I call again and said I did not have the letter. I was told it would be resent and would take 10 business days to get. On XX/XX/XXXX I called three times trying to get the letter. The last person I talked to on XX/XX/XXXX was XXXX. He said he could fax the letter. He said it would take 5 business days to fax it. I did not receive the fax. XXXX told me I had 2 billing cycles to get a third party letter to rebut XXXX XXXX XXXX 's letter. He was not competent enough to read the letter which stated, " Since this is a time sensitive matter, please provide your response by XX/XX/XXXX '' On XX/XX/XXXX, after still not receiving the letter, I found Chase Bank 's Executive Office and talked to XXXX XXXX. She next day mailed me the letter from XX/XX/XXXX which did state, " Since this is a time sensitive matter, please provide your response by XX/XX/XXXX. '' Chase failure to get me information I needed in a timely manner caused me to loss my Charge Back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax hack has led to my account details being compromised.
Product: Debt collection

The Company is XXXX XXXX XXXX. The collector is Professional Debt Mediation. The amount is {$12000.00} Contacted by phone and mail about a past due balance for a rental. I haven't rented this property. I haven't rented a property in the state of Florida in over 20 yrs. I own my own house. 

I responded via letter that they have the wrong person. They sent a copy of lease agreement that I have never seen, nor signed. Photo of DL was sent, with an address I lived at years ago, my deceased fathers house. The photo was also of XXXX XXXX XXXX XXXX, I am XXXX  Definitely not me.