23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The issue is with XXXX Bank arbitrarily adding a comment to the credit bureau identifying my home as " Affected by Natural Disaster ''. When I called the Bank the employee notified me that this is simply a comment that they add when the area around a home has been affected by a Natural Disaster. This is an unfair practice and affects the value of a persons home. This is something XXXX is doing to others and I feel that they are going to affect the home values of many people by doing so.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, This is a follow-up to my previous complaint regarding the fraudulent Ally Everyday Cash Back account ending in XXXX. Ally Bank 's response failed to address the specific details of my situation and the evidence I provided. I am requesting further investigation, as Ally Banks continued reporting of this account is causing harm to my credit and does not reflect the facts. 


-- - 1. Failure to Conduct a Thorough Investigation Ally Banks response appears to have been generic and did not consider the details surrounding the account in question. Despite the documentation I provided showing that I was incapacitated during the relevant period, Ally Banks investigation seems to have relied primarily on automated processes and basic identity verification, which does not adequately address the nuances of this case. 


-- - 2. Contradictory Findings from XXXX XXXX XXXX After Ally Bank sold the account to XXXX XXXX XXXX on XX/XX/2022, XXXX conducted an independent investigation and determined that the account was fraudulent. XXXX subsequently deleted the account. Despite this, Ally Bank continues to report the account as valid, creating a clear contradiction between the two entities findings.

-- - 3. Inadequate Explanation of Payment and Account Activity Ally Banks response referenced a payment of {$27.00} on XX/XX/2022, but no further investigation into the nature of this payment has been provided. The existence of such a payment does not necessarily validate the account, especially given the circumstances around the fraudulent activity. Without clear documentation, this payment only raises further questions about the unauthorized use of the account.

-- - 4. Initial Concerns Over Re-Aging Initially, I suspected this account might have been one of my XXXX accounts that had been re-aged. However, it has since become clear that this account was opened XXXX  and was the result of fraud. Therefore, the account should not be reported at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my child in XXXX of 2021 and was taken off of my employment payroll accidentally and had to wait to receive my paid parental leave. I contacted XXXX for both XXXX of my credit cards because I would not be able to make payments on time. This was also during the time I got XXXX with my XXXX month old in XXXX of 2021 and the federal government mandated that credit companies offer covid relief for payment deferments. I was told many times by XXXX not to worry ( even made payments as much as I could with my savings I had and receiving no income with a newborn and they refunded me/reversed the late fees ). In the months of XXXX, XXXX, XXXX, XXXX and XX/XX/2021 XXXX discriminated against me for having a child and XXXX being unable to make on-time payments because my job was delayed in paying me and XXXX charged me late fees in each of those months ( even when I made smaller payments with everything I had ) and also reported the late payments to my credit reports which caused me financial hardship. I have hard these cards for almost a decade and made XXXX late payments prior to this and its disgusting how I am being treated as a customer. I am trying to buy my childhood home now after my father passed away in XXXX of 2021 and the credit reporting from XXXX discriminating against me is making my hardship worse and more difficult during this already difficult time by affecting my credit score and ability to purchase my childhood home through my fathers estate.
Product: Credit reporting or other personal consumer reports

I did not give consent or authorize the following inquires on my credit report : By obtaining my Transunion consumer report on dates below without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX v. XXXX, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ). I have not initiated any transaction with XXXX XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. 

XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My wallet was stolen from my car, and the individual who took it attempted to use my personal information to purchase jewelry and other items. This led to a hard inquiry on my credit report, which negatively impacted my credit score. I also received notifications from my XXXX XXXX  app stating that my personal information has been leaked on the dark web. As a result, I am facing challenges in obtaining a good credit limit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and all information stated below is to be accounted for as my personal statement. 
My identity and personal credit report were used without my knowledge or consent. 
The reporting of this information is in violation of the FCDPA 15 USC 1692c 805 ( b ) Which states : " Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector '' My personal credit file is displaying information that is fraudulent and I have attached the Identity theft report as required by FCRA 605B ( 15 U.S.C. 1681c-2 ), Subsection ( b ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.
Product: Credit card or prepaid card

Hello I have a couple of promotional plans on my IDDEAL Credit Card I opened with Comenity Bank ie Bread Financial now. 
My first plan was a 12 month no interest - but if you don't pay it off all that interest is charged back to you. Well I am a week away from the 12 months being up and Comenity/Bread Financials will not allow customers access to their accounts. They have been down for multiple days and will only respond with super generic responses via XXXX and XXXX. No representatives will answer the phone and it says that you will not be able to access or make any changes to account including payments. 
So I have my 12 month promotional plan with XXXX I can't pay off and am in close proximity to the 12 months being up and I have a 60 month no interest promo that I need to set up autopay for. 
Very frustrating that we can't make any payments or see our accounts because of website maintenance that has taken multiple days with no access to their employees.
Product: Credit reporting, credit repair services, or other personal consumer reports

False/inaccurate information due to identity theft is being reported on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate. In accordance with the Fair Credit Reporting act this information 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. This is in clear violation of my rights. In pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company also has NO permission to report ANYTHING using my information pursuant to 15USC1681 4 Credit report found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. This is still on going after years of fighting. I believe my only option left is to take legal action if these items are not removed. Transunion is knowingly reporting false/inaccurate information due to identity theft on my credit report. The name attached to my file number is not mine. The addresses attached to my file not mine. The phone numbers attached to my file are not mine. They are knowingly and willing breaking The Fair Credit Reporting Act in multiple violations pursuant to 15 U.S.C. 1681-1681. I want all accounts listed below deleted with 48 hours of this complaint being received. All items listed are fraudulent and inaccurate and Transunion is breaking the law. In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions. This is in clear violation of my rights. This has caused severe depression, hardship as well as severe anxiety to me, as well as my family. It is my consumer right to have unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct removed. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Checking or savings account

On XX/XX/year> a charge of {$490.00} and a charge of foreign currency fee of {$13.00} came in into my checking account I have disputed this charge XXXX times already with my bank PNC I had to do their job by researching what the merchant was since it says hospitality on my statement and did not give clear information so I searched and found out it was a sports store I did not buy anything there and I also have a pnc credit card 0 % for XXXX months and no international fee by having that I only used my credit card I never used my debit card and pnc keeps declining my dispute for the XXXX time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX XXXX XXXX XXXX ) has accessed and misused personal information and attempted to collect a debt. Upon my research I have found that this company is not licensed in the state of Texas. 

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 and is therefore fraud. 


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 XXXX 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

According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX 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 or other personal consumer reports

XXXX XXXX XXXX XXXX. I disputed this account last month. Included with my dispute was a letter from XXXX XXXX that confirmed the account was not 30 days past due for my XX/XX/XXXX payment. The letter clearly states that a payment was made on XX/XX/XXXX. Pursuant to a settlement agreement with the XXXX and other attorney generals in XXXX, Trans Union agreed to assign an employee to investigate disputes that have supporting documentation. I would a description of Trans Unions investigation of my dispute. In particular, please state whether Trans Union assigned an employee to investigate my dispute and if so, what were the findings. 

Also, there are new problems with Trans Unions reporting of this account. First, my payment for XX/XX/XXXX is missing from the payment history of the tradeline. Second, Trans Union is not reporting that the account is disputed, including the nature of my dispute. Third, Trans Union is not reporting a Date of First Delinquency. Please remove the late payment notation for XX/XX/XXXX or remove this account entirely. Otherwise, Trans Union needs to report complete information and include the information that I just identified as missing. 

XXXX XXXX XXXX. I received dispute results for my dispute regarding this account. The File Number and Date Issued for the Investigation Results are XXXX and XX/XX/XXXX. I disputed that the account was 30 days late in XX/XX/XXXX. Not only is XX/XX/XXXX still reporting late but my payment for XX/XX/XXXX is not reporting and the pay status is reporting as 30 days past due. I made my payments in XXXX and XX/XX/XXXX within 30 days of the due date. The account is currently on time. And I was current/on time in XXXX and XX/XX/XXXX. 

I viewed my myFICO report and it reflects that the account was current in XX/XX/XXXX. But Trans Unions Investigation Results is reporting the payment status for XX/XX/XXXX as Unknown. Also, the payment history stops in XX/XX/XXXX. As a result, my payment for XX/XX/XXXX is not reporting. I am attaching my myFICO report, which shows the account should report as current/on-time in XX/XX/XXXX. I am also attaching a screenshot of my online account with XXXX XXXX XXXX. The screenshot shows that the balance is {$14000.00} and that a payment of {$470.00} was paid on XX/XX/XXXX. XXXX XXXX XXXX  reported this account to Trans Union before my payment of {$470.00}. But the payment was only 9 days late. The payment due in XX/XX/XXXX was {$460.00}, which was covered by the {$470.00}. Despite the payment, Trans Union is still reporting that the account is {$460.00} past due.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and identity theft. As a result, unauthorized accounts have appeared on my credit report. I am requesting that these accounts be blocked and deleted from my credit report in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Unauthorized Accounts XXXX. XXXX Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$0.00} XXXX. XXXX XXXX  Account Ending : XXXX Opened : XX/XX/XXXX Amount : {$810.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX has 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 a account without my written instrutions 15U.S.C. 1666b : A creditor may not treat a payment on a credit card account under an open end consum, er credit plan as late for any purpose.
Product: Credit card or prepaid card

To Whom It May Concern, There are fraudulent charges on my Discover account and Discover refuses to remove the charges. 
I filed a police report attached is the conclusion that I was a victim of Fraud ( XXXX letter attached ) The charges are in another state ( Connecticut ) and I am a resident of New York. 
I did not make these charges and none of these are mine. I am requesting that these amounts be removed as I have a near perfect credit and this is impacting my financial health. I am requesting assistance in this matter as Discover Bank is being extremely dismissive of my situation and will not resolve the matter.
Product: Debt collection

I have been receiving repeated calls from a collections company that identifies as Sequium Asset Solutions. I have checked this company online and they are located in XXXX, GA. I believe I do not owe money to any provider. The representatives do not discuss what this alleged debt is about not do they give me information, unless I first confirm the numeric portion of my residential address and the last 4 digits of my social security. I have consistently declined to provide this information, unless I know what the call is regarding to and have repeatedly requested that they instead send me a letter, since they seem to have my address. I am concerned because the XXXX has received MANY complaints about this company reporting to the credit bureau on accounts that do not exist or where money is not owed.
Product: Credit reporting or other personal consumer reports

I received an alert that a 3rd party agency reported a balance to my report on XX/XX/2024. They stated that it was opened on XX/XX/2024. I have not opened an account with this company.
Product: Debt collection

Auto Trakk LLC does not have a permissible purpose. This company has no legitimate business reason because I do not have a contract, nor have I ever done business with this company. And as per the Fair Credit Reporting Act, for anyone to furnish information on my consumer report a permissible purpose must be given. I have not ever given any of this company permission to report anything, nor have I had any contractual or business obligation with this company. They have used and possessed my information without my knowledge or approval.
Product: Credit card or prepaid card

This is a well known issue. H  undreds if not thousands of people were affected by the Paypal hack.
Long story short, I bought gift cards from ebay via Paypa   XXXX  digital gifts. I tried to use the gift card a few months later and the value was  XXXX . I contact ed paypal  and after months and months of fighting they finally refunded " MY ORIGINAL PAYMENT '' which was an  XXXX  gift card, voucher and coupon. HOWEVER, no one can find out how to re use the original form of payment.  XXXX  is unable to locate those gift cards and vouchers. They say that after the split from paypal they messed up their servers and can not find any old gift card numbers.     The consumer WAS NOT MADE WHOLE AGAIN b y paypal  even though they denied everything and now are refunding slowly. I still lost my entire gift card value because I am unable to re use the original form of payment.  XXXX  needs to re issue those gift cards, or paypal needs to refund the entire amount directly to us.     I have all the transaction # 's, dates, and forms of payments available upon request.     This is a huge issue and it should actually become a class action law suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several times a bunch of inaccurate data that is only listed on my Equifax credit file. No response and no corrections. Please help XXXX XXXX XXXX Please remove not nor ever been my name. 
XXXX XXXX XXXX XXXX XXXX Clearly this is a duplication listed with no verification and outdated also, please remove this listing XXXX XXXX XXXX XXXX XXXX There is no money owed to this company as you are reporting delete this from your files due to the inaccurate information FAIR COLLECTIONS & O XXXX This should not be reporting as a collection it was paid and this needs to be removed XXXX. XXXX XXXX - XXXX Account was paid with the original creditor, this is inaccurate data please remove as this is a violation XXXX XXXX XXXX Remove this false information, it was paid and should not be reporting as a collection XXXX XXXX No collection exist with this agency please deleted this inaccurate data listed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX / XXXX Account # 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 an account without my written instructions.
Product: Vehicle loan or lease

I purchased a new Hyundai XXXX in XXXX. My regular payment amount is {$540.00}. On XX/XX/2020, I paid {$540.00} which was correctly applied {$500.00} to the principle and {$42.00} to interest. I paid {$600.00} on XX/XX/2020. Only {$55.00} was applied to the principle when and none to any interests while the vast majority should be applied to the principle. On XX/XX/2020 I made a payment of {$700.00}. None was applied to the account. On XX/XX/2020, I made a payment of {$700.00}. None was applied to the account. On the payment history, all of these transactions are there. I called in XXXX and XXXX to ask about my payments, which I was told was applied correctly. I received a call from the Hyundai financial collections department on XX/XX/2020. I was told I owed {$1000.00}. The caller did not identify themselves. I called the 1-800 number on for Hyundai Financial and was told that I owed the above sum despite that my XXXX, XXXX and XXXX payments where not applied correctly, despite 2 previous phone calls. I was told that since I put in the payment information, It was my fault and that the department was closed.
Product: Student loan

I have been in on an income driven plan for 10 or more years through AES. I'm being told only my last 10 payments count toward forgiveness. I was told i was in the " correct payment plan '' for forgiveness. I've been in public service for almost 20 years.
Product: Credit reporting or other personal consumer reports

Timely payments have consistently been maintained on this account, preventing any overdue instances. I'm uncertain about the basis for the late payment remarks on my accounts. In accordance with 15 USC 1666b - Billing Error, corrections should be made.