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

XXXX XXXX is reporting late payments for the months of XXXX, XXXX & XXXX XXXX when in fact the payments were made as agreed. 

Here is a summary of the documentation and reason for dispute. 

In XXXX of XXXX I contacted XXXX XXXX to refinance my home but could not because our home value is still too low and I was advised to contact the Home Preservation Dept about a modification to reduce the interest rate. I began working with the representative of XXXX who approved a trial period of 3 months which would lead to an interest rate reduction. 

I received a payment agreement on XXXX XXXX XXXX with an arrangement of 3 payments of {$2600.00} for the months of XXXX, XXXX & XXXX XXXX. Upon completion a loan modification would be completed. Complete copy of the Mortgage Trial Plan Notice Document included. 

For the months of XXXX, XXXX & XXXX of XXXX payments were phoned in as directed and on time. A copy of the account payment history has been included in the file. Also included in the file is a copy of personal bank statements to substantiate the payments made on time. 

Payments for the trial period were made on time and the modification to rate reduction was approved. Its worth noting that we have never been late on our payment and would not have qualified for the modification had we missed a payment during the process. 

Because the payments for XXXX, XXXX & XXXX XXXX were set by XXXX XXXX that is the amount paid. Therefore there is no justification to consider any payments late. 

When I found out about the late payment reporting in XXXX XXXX I contacted XXXX XXXX customer service. They reviewed my information but informed me they were reporting the payment history correctly. I made several attempts at several levels since XXXX to resolve this issue but have been told the payments made in XXXX, XXXX & XXXX dont count because they were not the amount on my original note even though it was the payment they established for the trial period of the modification. 

The last representative I spoke to insisted to me the dated XXXX XXXX, XXXX stated that they would report my payments late. We went over this document together but she was unable to point out to me where it stated that making the agreed payments to the trial period would result in a 30 day late payment to the credit bureaus. 

Because it was never explicitly disclosed that making the trial period payment as set forth by the mortgage company would in turn cause a late payment, the late payment history should be removed from my personal credit report. 

Please remove the late payments being reported to my credit report for the months of XXXX, XXXX & XXXX XXXX Thank you for your time and consideration in resolving this error XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was settled in accordance to agreed schedule 3 years ago, and was removed from report. Shortly after it reported open and derogatory and reporting late payments every month since settlement. 
Still shows on XXXX  and experian and shows many late payments that were added after settled as agreed. 
Was told by issuer that after settled it would be removed from report. Instead they continued to report late and damage my credit.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 SECTION 602 A : STATES THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

15 U.S.C 1681c SECTION 604 ( 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 INFORMATIN IS INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my credit report and noticed a number of inquiries that was made by me. I reached out to the credit bureau and disputed the accounts letting them know that my identity was stolen nothing was done I've also .submitted a complaint with identity theft .gov XXXX XXXX XXXX ( Hotel and travel ) XXXX XXXX ( Finance ) XXXX XXXX XXXX ( Auto ) XXXX XXXX ( Auto ) XXXX ( Finance ) XXXX ( Bank ) XXXX XXXX  XXXX ( Auto ) XXXX ( Bank ) XXXX
Product: Debt collection

A credit disclosure statement was sent to the recipient on XX/XX/year>, but no response has been received despite sufficient time for review. The lack of acknowledgment has caused delays, and a follow-up request for confirmation and action has been issued. Further steps may be necessary if the recipient fails to respond promptly.
Product: Mortgage

My current lender Quicken Loans is consistently calling me or emailing me with " money saving '' opportunities. In the beginning of XX/XX/XXXX a rep named XXXX called me and we briefly discussed these " potential '' savings. At no time was a verbal authorization given to run a credit inquiry for me. XXXX stated he was going to talk to his team leader to see what options we would have for me being that I am such a " great '' customer. I was then alerted that my credit report was ran for a hard hit. I then emailed XXXX stating that I did not authorize this inquiry. XXXX then apologized for doing so and I asked to speak to a manger. The manager named XXXX ( last name unknown ) stated that he listens to the calls and stated there was " permissible '' authority granted which was not the case. Quicken loans misleads their clients stating that they can save you money only to find out they can not and " you are in the best position right now ''.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX i used TransferWise app to transfer XXXX $ XXXX to XXXX. 
When I filled up information such a first, last name if receptionist, I checked currency exchange rates, fee, I realize other company XXXX has a better rate and lower fee. I didn't push the final button to complete this transaction. 
Then I found link on XXXX in group, a link for TransferWise, which is promising to have free international transfer. 
I try to transfer money by this link, it is showed me free transfer, then I proceed and pay with my credit/debit card XXXX XXXX XXXX. 
When I received my bank statement for my surprise I had 3 transactions by TransferWise : 1.XXXX XX/XX/160 $ US XXXX converted to XXXX $ Can 2 XXXX XX/XX/160 $ US which converted to XXXX $ Can. 
3.XXXX  XX/XX/160 $ US which converted to only XXXX $ Can, that it's mean shortage of XXXX $ Can. 
My ticket number for this issue is XXXX. 
I tried to call their number XXXX, nobody answered, automatic voice says- '' this number is unavailable ". 
I contacted them from the app to asked why they didn't refund me full amount, as I didn't proceed first transaction, even I have email confirmation they fully refunded my credit card, but wasn't! 
Confirmation email from XXXX XXXX XXXX : Money refunded ( # XXXX ) Hello XXXX, Your transfer of XXXX USD to UAH has been cancelled. 
So weve refunded XXXX USD back to your card. You should have it in the next 410 working days depending on how quickly your bank or card company processes refunds. 

Refund details Amount refunded : XXXX USD This what they answered on second email : '' Re : Cancellations and refunds XX/XX/2020, XXXX XXXX Hi XXXX XXXX Theres no fee for cancelling and refunding a transfer. Well always refund the full amount you paid us, regardless of the type of transfer you made. 
However, in reviewing your transfer XXXX, I can see you paid using an international card. When you pay using an international card, your bank might charge a fee to convert your money for you which seems to be the case here. You'll need to contact your card company. 
You paid in XXXX USD which is the amount we refunded back to your card. 

Should you have additional questions, let us know. 
Best, XXXX XXXX TransferWise Yesterday I spoke with representative XXXX XXXX XXXX they stated, they do not charge any fee, and suggested me to contact the merchant, what I did so. 
For some reason they can not dispute this transaction. 
I will take another step will go on Monday, XX/XX/XXXX to my local branch, and try to speak with supervisor or manager, will see what they gon na suggest to me. 
In the same time I hope you will help me out. 
Thank you, Best regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to challenge Experian and XXXX as to factual incorrect information they each reported. I attached factual records. They completely ignored the question and the did not in either investigations attempt to rectify and inaccuracies. I will attach both the dispute responses. And in those previous challenges you will find the other attached records that factually disprove their reporting and how even in their responses willful illegal activity and reporting willful violations to harm my character and reputation. I DID NOT ASK THEM TO PARROT INFORMATION already disputed incorrect information FROM THE CREDITORS. I ASKED EACH TO EXPLAIN WHY THEY WILLFULLY REPORT INACCURATE INFORMATION I PROVED TO BE INACCURATE. So neither agency handled with the investigation properly and neither answered my challenges. Who is holding them accountable?????? 

Experian is willfully reporting account as charge off monthly XXXX XXXX willfully parrot the incorrect information they receive to harm me. 
Along with many other inaccuracies they CAN NOT 100 % verify. 

I did not give either agency my written nor verbal consent to report publicly any of the account I challenged. 

I ask that they follow the law and that they be held accountable for damaging my life and ability to find a place to live. They are violating my privacy and due to their lack of investigation they are doing so willfully. Attacked is the previous CFPB complaint that will still have all the attached questions and challenges. A reinvestigation is supposed to not parrot incorrect information and inaccurate accounts. THATS EXACTLY WHAT THEY DID BY THEIR own ADMISSION in the first response in the challenge through XXXX THEY said they simply asked to original creditor. They admitted to parroting which is against the law and FCRA when conducting a reinvestigation. They are to conduct a reasonable reinvestigation. And use all relevant documents given by the consumer. They did not and therefore willfully broke the law. I want all challenged information. Removed. Attached also are the original credit reports proving the inaccurate information and reporting. Lastly, attached are the original complaint in word document.
Product: Credit reporting, credit repair services, or other personal consumer reports

All credit bureaus are reporting all my medical bill information on their/my credit reports. This is a violation of HIPAA laws.
Product: Student loan

My complaint stems from concerns that I have after reading about the recent settlement between CFPB and Discover. While enrolled in my last semester at XXXX XXXX XXXX XXXX School, I took out a XXXX Loan from Discover Student Loans to cover the costs of studying for the XXXX exam. I have received, online, the interest paid amount for tax purposes for the years of XXXX, XXXX and XXXX. Each tax year listed that my amount of interest paid was {$0.00} ; I did not claim any amount of interest to Discover on my taxes during these years ; to be honest, I believed that the amount were probably correct and that somehow, perhaps a XXXX Loan was n't a student loan. However, I have since learned that is untrue. As you know, the recent settlement includes Discover 's failure to properly report the amount of interest paid on their loans for tax years. Unfortunately for consumers like myself, the settlement only covers up to year XXXX. In XXXX, my amount of {$0.00} was correct, but the company informed me today that the interest paid the other years XXXX XXXX & XXXX ) was incorrectly listed at {$0.00} on my Tax Information Page. My complaint is that I was given false tax information that cause me to be unable to accurately claim interest payments made on my taxes for tax years XXXX and XXXX. Unfortunately for consumer 's such as myself, Discover 's issue with tax information extended beyond the years addressed in the recent settlement agreement XXXX XXXX ) and there is no resolution for consumers affected in XXXX and XXXX, such as myself. I would appreciate your help in guiding me through my concerns and seeking a resolution. 

Thank you for your time and attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm submitting a complaint to you today to inform you that I was a victim of identity theft. I search on how to remove the fraudulent accounts in my report and found that I need to visit FEDEDAL TRADR COMMISSION or https : //ww.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to removed /block any accounts listed o. ID theft report. Please find the attached documents to assist in the blocking of the erroneous information which is being posted yo my report. 

Here is the list of accounts/items which do not belong to me or were opened without my permission. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$770.00}, XXXX XXXX Date Reported : XX/XX/XXXX Balance Owed : {$2100.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1400.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1300.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$950.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance Owed : {$710.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance Owed : {$3000.00},
Product: Credit reporting or other personal consumer reports

There is information in consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions tot be reported in my consumer report. I am requesting that the reporting of this information be blocked and deleted.
Product: Checking or savings account

I have an HSA account with Optum Bank. It has a cash portion and an investment portion with Betterment. On XX/XX/ I initiated the transfer of my investment with XXXX  to my Optum HSA account. The transfer was initiated XXXX XXXX XXXXXX/XX/XXXX. Since then, my HSA account is still showing two separate accounts : cash and investment. Checked with XXXX, their answer was the transfer was done from their side. XXXX XXXX XXXX my account was updated and the investment portion disappeared XXXX XXXX XXXX. Called Optum without success. Provided account snapshots as of XX/XX/ and statements showing both accounts with right amounts. Optum is not responsive. I have reference numbers and emails showing my interaction with them. I did not receive explanation about the missing funds.
Product: Debt collection

Portfolio recovery and associates is in violation of federal law. Specifically FDCPA section 809b. 
The company has been reporting inaccurate information to the three major credit reporting agencies without complete validation as required by law. 

I've submitted several validation letters to the company requiring them to validate what they say I owe ; The company has been trying to collect on two accounts that I am completely unaware of ; XXXX XXXX  ; and XXXX XXXX XXXX. 

The documentation received from portfolio recovery and associates does not match my identity, including inaccurate name ; inaccurate address ; and can not provide copies of original documentation of which may prove that I am responsible for these two accounts ; In addition I've asked the company to calculate full and complete accounting of what they say I owe which they have not been able to do ; I've asked the company to provide me with documentation that proves that they are able to collect the debt in my residency state of which they have been unable to do ; Because of the information provided above detailing the violations committed on the federal law, The company must cease and desist from contacted me on this matter ever again.
Product: Mortgage

I am only late with XXXX ( 2022 ) payment -- -- because my Monthly payment when up some {$200.00} -- -- because they under estimate my escrow -- years a go -- - ( some where around {$820.00} ) -- The wife and i are XXXX & XXXX and on a low fix income ... IT THEY THAT MADE THE MISTAKE AND IT HURTING US.. -- XXXX -- -- XXXX XXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX -Company is PNC Bank ( Mortgage ) Loan # XXXX XXXX is -- -- -- -- XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had to exercise my option to defer ( extend ) payments to the end of my loan, in the summer of XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX has reported both the XX/XX/XXXX and XX/XX/XXXX payments as over 30 days on my credit, both with Equifax and XXXX XXXX. I contacted XXXX XXXX in XX/XX/XXXX to dispute the most recent reported late payment. After looking at the situation, they told me the deferment ( extension ) was processed after the payment was 30 days late. I reminded them that I had submitted the proper documentation and the payment to process in time. I called to follow up the next day, after submitting both the paperwork and the payment to ensure everything had been received. Their system was down that day ( Saturday ) and they could not tell me anything until the following week. I was assured it would be effective dated for the receipt date. The person in XXXX told me to file a dispute with the Credit Bureaus. I did that XX/XX/XXXX. The reporting for the XX/XX/XXXX was removed upon the resolution of that dispute. The next month, XX/XX/XXXX was reported again as late. I called XXXX XXXX on XX/XX/XXXX to, again, go through the long process of explaining everything to hear the same responses. Finally, a supervisor assured me she was going to review it with the credit reporting team and get back to me the following week. Last Saturday, XX/XX/XXXX, I finally had time to call to follow up, after getting absolutely no response in over a month. I had to, once again, explain everything to be told the same responses, along with another supervisor telling me what " I '' would have to do to correct it. I explained in very clear terms, my next action was to file a complaint through CFPB. I asked him the time frame he needed to get a response from the credit reporting team. He said Wednesday, which was XX/XX/XXXX. I have not heard or seen any response. I purposely waited another couple days, in case something came up, preventing a timely response. 

I, now, would like to have both XX/XX/XXXX and XX/XX/XXXX removed from my credit report as late payments, since both payments were placed at the end of my loan, causing me to pay additional interest on the loan, and delaying my payoff date. I have spent hours trying to get this corrected. I have been denied a personal loan, because of these reporting issues. That personal loan would have allowed me to pay off the last of the negative issues on my credit, therefore raising my credit score to the point I could effectively trade in the car and have XXXX XXXX paid off. I feel I have been more than patient and fair minded in my attempts, while being met with resistance, red tape and absolutely no follow up by XXXX XXXX.
Product: Debt collection

This company called credit management companies call before XXXX. Its XXXX here in AZ and received a phone call from them. I know this is a violation under the fair credit. The phone number that called is XXXX Who the XXXX calls at XXXX XXXX  I dont know who they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equafax has claimed that there is no erroneous reporting. This is a false claim to the previous complaint to XXXX to report it to the CFPB when, in fact, the reporting is still erroneous contrary to their claim, see attached this is causing hardship, and this company will be liable for any irreparable damage caused to myself or my company.
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Kohls representative refused to escalate my call in regards to a payment and closed my account without my consent. I have requested that no credit inquires be placed on any credit. I spoke with several representatives and all where unwilling to assist our answer my questions
Product: Credit reporting, credit repair services, or other personal consumer reports

On the Citibank account it was closed by creditor in XX/XX/XXXX and the creditor was still reporting on time in XX/XX/XXXX then starting reporting late payments after that. This account should not have been still reporting anything after the account was closed by creditor. Some months it was reporting inaccurate and misleading information. On XXXX it was reporting 30 days late and on XXXX and XXXX on time in the same month of XXXX. Please have this account removed from all 3 of my credit reports as this account is falsely reporting inaccuracies.