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

What occurred within my credit file is somehow someone reported the balance of my XXXX XXXX credit card prematurely outside its noraml 30 day reporting cycle. I keep track of when my credit cards are reported each month. XXXX XXXX does not report my credit balance until the XXXX ( sometimes XXXX ) of each month. Credit card companies " do not '' prematurely report credit card balances. There is no valid reason to do it, there are no benefits for doing it. Period. 

The XXXX instance represents the second time this has occured in my credit file. Months ago it occurred with my XXXX credit file with one of my other credit cards. It was prematurely reported 21 days ahead of schedule causing my credit score by XXXX points. Now in this new case with XXXX, my credit score has instantly dropped by XXXX points. 
I work very hard to move my credit score northward and keep it from dropping so it is unacceptable for my score to drop because my balance was prematurely reports. I pay my balances off each month prior to the accounts being reported, or very close to zero. 
What I know so far is : 1 ) When I contact the credit card companies, XXXX in this case, they emphatically state that they did not, and do not prematurely report balance, which implies that the CRA was responsible somehow 2 ) What is also a pattern when it has occurred - it's always isolated to only 1 CRA. In other words the update to my XXXX file, only occurred the. The same was true when it happened with XXXX. Never did it affect all 3 bureaus. 
I will get to the bottom of the issue, even if I must take XXXX & and/or XXXX to court to prove they are responsible for the updates. 

So what is the implication : - it's against the law for CRAs to self-report - When a CRA reports a consumers credit data without he actual data furnisher, it represents a violation of the consumer 's privacy. It's the same as a data breach, and affords heavy penalties. If XXXX or XXXX who may have intentionally done this, for their own purposes, and then claim it was the creditor who did, and then respond back via the CFPB portal and to me they were not involved, then they have not committe fraud, not to be taken lightly. I understand why an XXXX or XXXX whould choose to deny involvement, however do understand I will og after you in court for fraud and other violations!
Product: Credit reporting or other personal consumer reports

This debt collector has not provided me proper debt validation for this aledged debt. Please delete this from my credit report.

Also I have them no permission to submit anything to my credit report and this goes against my rights as stated in FCRA Section 605B.

Also the law clearly states, '' If a consumer notifies a debt collector that the consumer retuses to pay a debt the debt collectar must cease all communication '' ( 15 usc 1692c ( c ) ). I did not claim this debt cause it's not mine and also refused to pay and disputed this debit. Reporting to my credit is a form of communication.
Product: Debt collection

I've been disputing the collection since XXXX and it is still active onto my credit report. I've reached out to XXXX and the company and XXXX is working on other ways to dispute the fraudulent collection.
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 XXXX XXXX XXXX. XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer report containing any of the following items of information. XXXX XXXX. XXXX ( A ) ( XXXX ) 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. XXXX, XXXX and Experian are governed by XXXX XXXX. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately : I completely disagree with the response to your investigation. The following incorrect items are still present on my credit report, even after your investigation. I request that these items be reinvestigated immediately and with good cause. These inaccuracies seriously harm my credit rating. 

XXXX. The following personal information is incorrect Account Number : Name : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : Also Known As : XXXX XXXX XXXX. The following personal information is incorrect Account Number : Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Please provide your method of validation on how you validated this account when it has already been SOLD and TRANSFERRED to another lender. 
XXXX Account XXXX : XXXX If unable to provide your method of validation then please DELETE immediately. 

XXXX. Please provide your method of validation on how this account was validated when it is reporting a PAST DUE amount on a closed and CHARGED OFF account. 
XXXX Account XXXX : XXXX If unable to provide your method of validation then please DELETE immediately. 

XXXX. Please provide your method of validation on how this account was validated when it is reporting a PAST DUE amount on a COLLECTION. 
XXXX XXXX XXXX Account Number : XXXX If unable to provide your method of validation then please DELETE immediately.
Product: Credit reporting or other personal consumer reports

I hope this email finds you well. I am writing to follow up on my previous communication regarding the correction of a late open account. This marks the 2nd formal attempt to address this matter. 

As discussed previously, there appears to be an error in the opening date of one of my accounts, which is negatively impacting my credit history. Despite my initial request, the necessary corrections have not been made, and the late open account continues to inaccurately reflect my financial standing. 

I kindly request that you revisit this issue and take the appropriate steps to rectify the opening date of the account in question. Ensuring the accuracy of my credit report is essential for maintaining my financial integrity. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX XXXX XXXX Balance : {$8300.00}.
Product: Consumer Loan

This car lot sold me a bad car, not even having the vehicle an entire year the engine went out and the company refused to fix it or put me in another vehicle at their cost.
Product: Credit reporting or other personal consumer reports

Capital one bank put hard inquires so many times and I call them 4 months ago and explain them about hard inquires and they clear hard inquires from XXXX XXXX ..but they didnt remove from XXXX. 
Capital one bank = XXXX XXXX Capital one bank = XXXX XXXX Capital one bank = XXXX XXXX Capital one bank XXXXXXXX XXXX XXXX XXXX XXXXXXXX, VA, XXXX .i want remove those inquiries from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureaus to validate the inaccurate information by requiring the creditor to produce documentation bearing my physical signature of the alleged accounts and balance they claim I owe. XXXX has also failed to comply to multiple federal and state laws under the FCRA.Violations include : 15 U.S.C. 1681e ( b ) Compliance procedures : to report maximum possible accuracy of the information concerning the individual. 
15 U.S.C. 1681a ( 3 ) ( a ) ( b ) ( c ) Restriction on sharing medical information 15 U.S.C. $ 1681b ( 4 ) Limitation on redisclosure of medical information 15 U.S.C. 1681b ( a ) ( 2 ) Permissible purposes of consumer reports I am trying to make a final attempt for XXXX to comply with the many laws they are in violation of by supplying proof of their alleged investigation and validation of debt which is inaccurately being reported on my credit file. 
I am asking for XXXX to provide the following : 1. The original contract and or agreement bearing my signature 2. Who they spoke to from the creditor the date and time in which thev spoke with them. By law they have XXXX days to supply this information as they are reporting they have resolved the dispute by validating the alleged inaccurate account on my credit file. I will attach a document of the inaccurate accounts on my credit file in which they claim has been investigated and is reporting 100 % accurate. 
Failure to produce the original contract and or agreement bearing my signature and who they spoke to from the creditor the date and time in which they spoke with them. I demand the accounts be deleted immediately, It is a crime to threaten lawsuit wit & no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. If the attached accounts are not properly validated and proof of the original contract and or agreement bearing my signature and who they spoke with what time and date I will proceed with a lawsuit against your company under 15 U.S.C. 1681n for willful noncompliance.
Product: Debt collection

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : WAKEFIELD AND ASSOCIATES # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX
Product: Debt collection

I 'm disputing this account because this bill was paid to the originator XXXX XXXX XXXX XXXX XXXX, this account was paid in full on XXXX XXXX, 2014 in the amount of {$130.00}. I have contacted Healthcare Financial Services LLc and XXXX XXXX XXXX XXXX XXXX, asking them to remove this collection from my credit report but they refuse. 
XXXX XXXX XXXX XXXX XXXX, says that they never received my payment therefore forwarded this account to collection. I know I made this payment but not sure what might have happen in-between leaving my home address and reaching XXXX XXXX XXXX XXXX XXXX. I have the canceled check to prove that I paid this account. My goals are to show excellent credit worthiness to all my lenders and to have no doubt. I 'm hoping that XXXX XXXX XXXX XXXX I, can see pass this and delete from my credit file.
Product: Credit reporting or other personal consumer reports

These companies are reporting fraudulent information on my credit report. I have requested information on purchase agreements, fraudulent claim reports and full ownership and they have failed to provide it to me. My disputes are being not completed or closed out without proof.
Product: Credit reporting or other personal consumer reports

My credit report is showing a 30 day late payment for a car payment with Chase Auto Finance. However, it was the time the car was traded in at XXXX XXXX XXXX. This must have been a bank error to write off the check for the remaining balance. Now I am paying for XXXXXXXX XXXX repercussions.
Product: Debt collection

I feel the company violated my consumer rights, which i have proof of! 

They owe me remedy per violation they committed. I will begin to further explain. 

I spoke with XXXX XXXX & XXXX XXXX The company " XXXX XXXX XXXX '' as shown in screenshot of phone call received or " Convergent Outsourcing '' as stated on the phone by XXXX XXXX who addressed himself as the manager. I began to let him know that I do not owe said alleged debt, and i am aware of my rights in which they are in violation of. At that point XXXX Who represents said company as manager began to state verbatim " most people talk out of their XXXX and are really XXXX and do not know the laws '' at that moment i alerted him i will be filing a report with the CFPB to exercise said rights. I spoke with this same company the day prior and told them DO NOT call my telephone anymore, at which point they obviously ignored, and were Willfully Noncompliant as per 15 U.S. Code 1681n - Civil liability for willful noncompliance Pursuant to federal Law, I am The Original Creditor, Natural Person, & Consumer Per 15 USC 1692A.
Product: Credit card or prepaid card

XXXX XXXX/XXXX  promised to remove the negative item off of my credit report if I paid the collection/bad debt off. They sent me letters and an agreement was made with them and the collection company that once it was paid and cleared all negative items will be removed from my report. They removed it from XXXXx, and XXXX and the collection company removed their tradeline from all 3 bureaus. But for some reason they will not remove it from XXXX. I have called and even sent them the letters they sent me and I would like to keep their word about removing the item from my credit report.
Product: Credit card or prepaid card

In XXXX I got an American Express XXXX card at my local XXXX. Everything was fine until late XXXX. I had my banking debit card linked up and had an automatic transfer of {$2.00} per day and one day I made an extra {$20.00} transfer ( Id give exact dates but I can not get into the account anymore ). I had issues logging in and was like maybe the site is down. I called that evening and was told that I had to do bank verification for the card, which made no sense because they were claiming that the {$20.00} deposit was suspicious activity. A deposit, not a withdrawal or charge. The way the they wanted the bank verification was suspicious and they said it was required to continue using the card. I declined since it was weird how they approached the situation. I was escalated twice to a manager who said in 7-10 days my account would be fully closed and a check mailed out for {$12.00}. It has now been over a month and a half and I still get alerts that the money is with American Express and that they are still attempting to debit {$2.00} every day.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, Transunion are reporting an invalid address for me. I have never stayed at XXXX XXXX XXXX, XXXX mi, XXXX. I have no accounts tied to this address. My address is XXXX XXXX XXXX, XXXX mi XXXX, I have been at this address for XXXX  years, I have stayed in XXXX my whole life.
Product: Credit card or prepaid card

I fill an application to a secured credit card with Discover 7 months ago. I pay directly from my account {$1000.00} to them. I waited 3 months and in the meantime i call 6 times because i didnt received the card and they keep saying to me they going to send it again but i i never received the card and we recheck the addresses and was correct. So then i decide to close the account and ask for my money back on XXXX and they tell me it has to be in check and by mail. I explain to them that for some reason i dont understand i didnt receive mail from them and thats the reason i closing it so obviously if them send the check to the same address by the same mail i dont going to receive the check. They told me that was the process and they cant do different. So i waited and again the same problem, i didnt receive my money so the tell me i have to wait 30 days for a reason from the mail that explain why i didnt received the check, and they cant send it to another address and cant deposit to my account. Every month since i call them and they answer the same thing. I dont know what to do i waited 4 months and nothing happens and also they send the report to my credit, they affect my credit for a card they dont send me and now i have worst credit, no card and no money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX  : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I am distressed that this Bureau has included this information in my credit report profile and I have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit report they publish, just to favor the credit companies. In this sense, and 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. The accounts below have violated my rights. 15 U.S.C 1681 section 602A. 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 an 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 ) ( a ) 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 request delete the not authorized hard inquiries below : 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: Credit reporting, credit repair services, or other personal consumer reports

I have sent out letters every month since last year about the same accounts that are listed on my credit report that shouldn't be listed. I have sent them all certified mail. All credit bureaus have ignored my request to simply investigate the accounts they have listed on my credit report inaccurately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Onemain and or Onemain Financial keeps ongoing reporting on accounts included in Chapter XXXX Bankruptcy well after notice of CHAPTER XXXX BANKRUPTCY XXXX/XXXX/XXXX. They are adding fake accounts, altering account numbers, altering accout dates, reporting accounts late when they are not, altering payment history and reporting innaccurate, false, and erroneous account information as far as XXXX XXXX well past Bankruptcy notice date XXXX/XXXX/XXXX. I have had a couple of disputes with this company, so I sent them a letter to there credit file listed addresses within 30 days XXXX/XXXX/XXXX Onemain and or Onemain Financial XXXX XXXX XXXX XXXX, IN XXXX and Onemain Financial and or Onemain XXXX XXXX XXXX XXXX, TX XXXX notifying them to correct all innaccurate, false, erroneous information contained within all my Credit files ( XXXX XXXX XXXX XXXX ) creditor has failed to fully comply. After notification XXXX/XXXX/XXXX the creditor ONEMAIN and or ONEMAIN FINANCIAL blantantly preceded to add multiple late payments about 12 to my XXXX profile up to XXXX XXXX, which are all false, erroneous, and inaccurate and need to be removed immediately they are well outside of Notice of Chapter XXXX XXXX/XXXX/XXXX. Creditor also changed contact address on XXXX file to Onemain and or Onemain Financial XXXX XXXX XXXX XXXX, MD XXXX and has received a resubmission only of prior dispute at this newly added contact address sent XXXX/XXXX/XXXX and been informed they failed to correct all innaccurate, false, and erroneous Information from my ( XXXX XXXX XXXX XXXX ) credit files within 30 days. For further Information please refer to my CFPB complaint which will be uploaded with this complaint.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I discovered that my personal information is incorrect, resulting in the appearance of accounts that I do not recognize and have no connection to. These errors are deeply concerning as they misrepresent my financial history and could affect my ability to access credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/23 a fraudulent application for credit using my name, XXXX and XXXX and a fraudulent address was submitted to US Bank. US Bank attempted to pull my credit report from XXXX, but were unsuccessful since I keep my credit reports frozen. 

The fraudulent address used by the criminal was : XXXXXXXX XXXX XXXX XXXX., XXXX  XXXX, XXXX XXXX, IA XXXX Upon alert by XXXX, I immediately phoned US Bank and advised them of the fraudulent application and ensured my existing accounts with US Bank were secure. At that time I also confirmed with US Bank that my telephone numbers and address were correct. 

On or about XX/XX/23 I received an alert from XXXX about an address change to my credit report. Upon speaking with XXXX, the new address added to my credit report was he fraudulent address used in the fraudulent application for credit at US Bank. XXXX instructed me that since the address was reported to them directly by US Bank, only US Bank could have the fraudulent address removed. I immediately contacted the US Bank 's Fraud Department and they assured me that the fraudulent address was not on any of my accounts. 

On XX/XX/23 at approximately XXXX XXXX  I accessed my US Bank online banking and happened to notice that my residential address had somehow been changed to the fraudulent address mentioned above. I immediately changed the address to the correct address. I also immediately called US Bank to see how this even happened in the first place. The representative I spoke with was extremely unhelpful. She stated she would have seen if there had been a recent address change and that as far as she could see the fraudulent address never appeared on my account and that the recent change I made never happened. She also stated that in order to address the issue I needed to mail notification to US Bank. This is extremely unsatisfactory. 

I am currently overseas and having to mail US Bank will take a long time and meanwhile my credit reports will contain, because of US Bank 's failure on many levels, a fraudulent address which will not only make me more susceptible to fraud, but hinder any applications for credit that I may make. 

Not only is US Bank making it extremely difficult to even have them correct their error, but they have never explained how they even allowed this address change to happen or why I was never notified in the first place even though I subscribed to alerts.
Product: Debt collection

Requested validation of the debt from the original creditor 12 total card XXXX XXXX XXXX  to which now Lvnv funding llc the debt buyer have been reporting the open account open and active since the purchase to which 12 total card XXXX XXXX XXXX  have charged off and closed the account prior selling it to Lvnv funding llc