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

I am relocating for work and in doing so I had to pull my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX I have attached a copy of my ID for identity verification and a bill for address verification.
Product: Credit card or prepaid card

On XX/XX/2021 I logged in to website with the intention of paying the entire balance of the card. I chose payments, and then chose the full amount due. I successfully paid the balance owed. Then, the company charges me interest on a balance that they say was remaining, even thought the pay if full balance was paid. Unknown to me, they charged this interest of approx. {$19.00}. Then a late fee, then more interest-bringing a balance owed to {$43.00} -- again I had no idea of any of this and understood my account was paid in full -using their drop down payment options. I was completely unaware of any of this until I was notified by my credit score watching app. My credit was dinged significantly-do to their issue with their online information-I received this notification on XXXX-I logged in and paid this egregious amount immediately. They should not offer online balance in full options, if they do not intend to honor the number they provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

My discover account was disabled because discover was doing an IRS check to verify my information so I couldn't access my account to pay my bills online. After two-three months they got their report back and I called to fix the login issue so I could pay the balance off my cards. I paid the balance off but because I was unable to access my account and pay the bill discover put my payment as late for like two months. I called them yesterday and they said that even though I was locked out I could have made the payment over the phone or letter. I have paperless banking and all my info is on the discover app. So by not letting me have access to the app, I couldn't pay. I made this case but they said it's my fault and not theirs that my payment was not made. I do not understand how but this doesn't make sense because they locked my account because they had their investigation. I could not see my balances and I had no access to my information yet they blame me for their mishandling of the situation. Now my credit score is drastically lowered and another credit lender closed one of my accounts because of this. Please help. 





I couldn't access my account to
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A. states I have a 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. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

TRANSUNION 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 has violated my rights.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 has violated my rights . 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 has violated my rights .

I looked at my XXXX, XXXX XXXX TransUnion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 Account, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Experian 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 an account without my written instructions. 

15 U.S.C 1681 Section ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following information any other adverse items 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 knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The company is reporting fraudulent inaccurate information on my credit report. This account shows up as a charge off. I never received a XXXX cancellation of debt form after I requested the XXXX form XXXX times.
Product: Mortgage

My mortgage company is NewRez/Shellpoint . On XXXX, I applied for New Ins. from XXXX XXXX XXXX XXXX, a check for {$1700.00} was sent on my behalf from my Mortgage company to the Wrong company. I had water damage in my Master Bedroom ceiling. On XX/XX/XXXX I called and filed a complaint with XXXX XXXX and was told someone would call me within 24 hrs. that never happened. I called 2 more times XX/XX/XXXX & XX/XX/XXXX and still No one contacted me. On XXXX XXXX XXXX XXXX of NewRez called me stated I didn't have any Insurance on my Home at XXXX XXXX XXXX in XXXX XXXX, NC XXXX and that it hadn't been covered since XX/XX/XXXX because the Ins. check was to the wrong company. XXXX stated NewRez would put Forced Placed Ins.on my home and repair any damage. XXXX stated the XXXX would only cover the outside of my home. Adjuster XXXX XXXX of NewRez Mtg. came out to my home twice and saw the Damage and after 45 days on ea. visit, I was Denied. I had to pay {$400.00} out of my own pocket to fix my ceiling. In XXXX, XXXX. NewRez cancelled the XXXX on my home, then put my Escrow acct in the negative {$3000.00}. NewRez did an analysis with the wrong numbers & raised my Mortg. pymnt from {$510.00} to {$580.00} for the month of XX/XX/XXXX. It is unbelievable how my Mortgage company has handled this whole situation. On the last visit from Adj. XXXX XXXX with XXXX the Roofer he stated the mortar in the Chimneys between the bricks was gone., still i wase Denied. Please help Me. 
Thank you.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

I submitted a complaint about bank of America on this web site in XXXX. My issues were that I was unhappy because they had done a modification on our mortgage in 2009 when we were having trouble through the recession. Instead of offering us a harp modification they extended our mortgage to 40 years so that the payments we slightly lower than before but now we were n't paying hardly anything to the principal but most of our payment went to interest. After I posted on this site back in XXXX, BOA was in contact with me and offered me another 40 year extension!!! This company robs people! We have called our attorney to see what we can do against this company and are going to refinance with a different bank as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX shows up on my credit effecting my score dramatically when i never was associated with this account and they refuse to remove or provide information
Product: Debt collection

XX/XX/2021 I was alerted by XXXX XXXX and XXXX that I have a collection with First credit services for a gym membership with XXXX  XXXX XXXX. This membership should have been cancelled years ago as I had asked them. The email I received was with XXXX XXXX XXXX for {$98.00}. I called them to resolve they said call first credit services as my account is in collections. First credit services first said they have no information of mine. I called again and was told I was in collections for {$160.00} which is much more than XXXX financial services had told me. I told first credit services, I will gladly pay the balance if they agree to remove it from my credit report as it is not legitimate. First credit services said they can not help me and to call XXXX XXXX XXXX. XXXX XXXX XXXX said they can not help since the account is in collections already with first credit services. First credit services was still unwilling to help me. They would not take a payment from me or remove the remark from my credit report
Product: Credit reporting or other personal consumer reports

There is information on my credit report that is a result of inaccuracy. Did not provide explicit written permission or instructions to identified XXXX to be reported on my consumer report. I am requesting that ALL Information on my credit report updated as PAID AS AGREED for the both XXXX XXXX XXXX XXXX XXXX XXXX accounts. These debts are charged off & is now considered income. Income is not suppose to be reported on a credit report. 


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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The XXXX XXXX XXXX ( CRA ) & data furnisher ( XXXX ) are not complying with federal law regarding identity theft. Additionally, the XXXX XXXX XXXX XXXX XXXX furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

I have been h it  XXXX  or  XXXX  times on my credit by Common Wealth Financial, som e medical collection company. It is hitting my credit as new debt. I have not been to an  emergency room s ince   XX/XX/XXXX a nd never any of the ones they are listing. I asked them through their rep  XXXX  to provide me with paperwork showing my signature authorizing procedures or patient paperwork. The representative  XXXX  said it could take  up to 3 weeks. I  said that is fine. I finally get something in the mail for them and it is just a bill. The guy calls me back and says, " did you get what I sent you? '' I advised that all I received was an invoice for what they were trying to collect for. He said that is all they have. I advised it was not my debt and that I will be disputing, there is no paperwork on me.   My score dropped almost  XXXX  points in la st 2 week s because they are making a debt that is not mine look as though it is something new. They already advised that whomever had this debt it is from  XX/XX/XXXX , not in last 3 months as it is showing.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent Items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any Items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX Balance Owed : {$650.00}
Product: Mortgage

I have been TRYING to get a loan modification from Ditech ( current " servicer '' on XXXX loan, originally XXXX ) and worked with XXXX on the application. It was denied without any real explanation, so I spoke to an attorney who said I should still qualify and to XXXX, who ca n't help with appeals. So I wrote to Ditech asking for clarification, and was told that they are complying with XXXX guidelines. I can not find those guidelines and do n't believe Ditech is telling the truth. I have had a huge loss of income and increased indebtedness, which they have not taken into account, and I do n't see how it is possible that with monthly income of {$1100.00} and a mortgage payment of {$750.00} ( without taking into account ANY expenses, including debt service ) that I would NOT qualify. It seems they continue to deny because it is nearly impossible to challenge them on the facts or their compliance.
Product: Debt collection

I have recieved two charges to my XXXX XXXX debit card that I did not authorise from D2 Management LLC I have already canceled my card and called XXXX XXXX to file a complaint.
Product: Checking or savings account

Why would USAA close my accounts after XXXX  years of service with them? I also have my children 's youth accounts. They gave me problems last month when I had my thrift savings check deposited into my accounts. I worked for these checks and saved for over XXXX  years. They said sorry for locking my accounts. Now they close my accounts for no reason, and they don't know why when I call. 

Why close my husbands?
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter by certified mail to help establish a legal recourse. If you choose to not block the following accounts listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law. 
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