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

According to the Fair Credit Reporting Act, 15 USC 1681 section 602 ( a ) states : " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX, and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801, which states : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 

Self Financial is a financial institution by definition under that title. 15 USC 1681 section 604 ( a ) section 2 states that : " In general, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Self Financial the financial institution and the Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, and XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise, is revoked. 15 USC 6802 ( b ) ( c ) states that : " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Self Financial never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states : " Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states : " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that : " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

I was charged a late fee for a payment that was n't late. I have my mortgage payment on an automatic bill payment ( for the last several years ) and the records show this particular payment was sent on time ( XXXX/XXXX/15 ) and delivered four days prior to being late ( XXXX/XXXX/15 ). The first time I called the company they said they would not charge me the late payment. When I was charged, I called back and was eventually told by the CSR " I do n't have time for this '' and hung up on.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX at XXXX i check my credit score an notice HARD Inquiry details from Syncb/jcp there is an hard inquiry from XXXX  XXXX, XXXX that i did not consent to nor was acknowledge of being on my credit an would like this removed. I did not an never consent contract or gave permission for my credit too be ran for a XXXX XXXX XXXX XXXX XXXX Syncb/jcp XXXX, FL XXXX ( XXXX ) XXXX
Product: Debt collection

They have no right to collect this debt ask them to provide verification of a contract. Then tried to dispute multiple times and its coming back verified but they need to provide verification there not even the original collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX CXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX XXXX XXXX XXXXXXXX Account Number : XXXX, XXXX  XXXX XXXX of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX  Date of inquiry : XX/XX/XXXX, XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX I need help with some updates on my profile Im writing this notice because Ive been paying my cards on time I have came across something interesting I'm requesting you provide me with proof of this alleged payment being late. XXXX XXXX XXXX  Date XX/XX/year> If unable to provide or lacking proof of this payment being late, update payment history to paid as agreed never late ( PAANL ). Please provide detailed description of all procedures used in your process to determine complete accuracy of information reported. Once you have finished your investigations, send me an updated credit report to the address stated above I have recently reviewed my credit report and have identified discrepancies pertaining to late payments reported on my account. I would like to bring to your attention the specific accounts in question, along with their respective account numbers XXXX XXXX XXXX XXXX account Number XXXX Upon closer examination of the Fair Credit Reporting Act ( FCRA ) and 15 USC 1681b, it is evident that there may have been a violation of my consumer rights.

The law explicitly states : " ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. '' I must inquire whether I provided written instructions for the inclusion of these late payments in my credit report. If not, it is essential to rectify this issue promptly Accitionally according to the FCRA, 15 USC 1681 ( 2 ) ( a ) ( i ) regarding exclusions from a consumer credit report specifies : " ( 2 ) EXCLUSIONS. - Except as provided in paragraph ( 3 ), the term 'consumer report ' does not include ( A ) Subiect to section 1681s-3 of this title, any report containing information solely as to transactions or experiences between the consumer and the person making the report. In light of this, I kindly request the removal of the late payments from my consumer report, as they may be in violation of 15 USC {$1600.00}. Ilook forward to your prompt attention to this matter and a timely resolution.
Product: Mortgage

Lender is supposed to help refinance the house. I had already gone through the process and step to refinance the house back in XXXX of XXXX. I told them I wanted to move forward with the process because the value of the house exceeded the previous appraisal value back in XXXX. At the time my credit was XXXX, and another I cant remember. I was told I could get 50 or 60 % of the value. The lenders loan officer were no help on anything I asked of them. I also had money left in escrow. Now they are telling me the house went through foreclosure without notifying me and now they are saying I have to buy the house back
Product: Money transfer, virtual currency, or money service

My mom sent me {$1000.00} in XXXX, XXXX that was never credited to my XXXX XXXX account. It got stuck at DEUTSCHE BANK TRUST COMPANY AMERICAS, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. We tried to get them to credit it to my XXXXXXXX XXXX  but it never happened. So the XXXX originator bank started a return request to which they never received any response from Deutsche bank. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Deutsche bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Deutsche bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

I was in a car accident XXXX/XXXX/16. My insurance and GAP paid Westlake but they still wo n't close the acct and request payments be made. My vehicle I purchase at XXXX and financed with WestLake Financial was in a car accident XXXX XXXX, 2016. My auto insurance XXXX XXXX Claim # XXXX, paid them and confirmed the check was received and cashed by them along with a rendered total loss letter provided XXXX XXXX. XXXX where I bought my car and GAP ( XXXX # XXXX ) XXXX, premium was also sent and cashed by Westlake Financial. Then I get an email SELF SERVICE GAP PACKET to complete that I did n't even know existed or was involved. XXXX XXXX XXXX, XXXX XXXX I have emailed, faxed, overnighted and website uploaded every document requested to every company who has asked for something. WestLake Financial is still instructing me to make my payments to protect my credit until this processed yet they ca n't provide any ETA. WestLake Financial has said that if I am late or miss a payment 3rd party GAP will not pay my claim. PLEASE help me! I am only XXXX, I have done everything, I am making payments on a car I do n't have, WestLake Financial does not appear to be trying to complete my claim. I ca n't get another car until this one is completed because it still exists and I ca n't have XXXX cars. I work full time and have to ask every friend and family member to help me get back and forth to a full time job. I have every piece of documentation you could need if you want copies. I call them weekly for updates and no one I talked to knows. My auto claim payment is n't even showing on my balance owed statements.
Product: Checking or savings account

On XX/XX/XXXX I had several pending withdrawal transactions that showed a small negative balance. I dont have that exact amount because I didnt save the screen. I arranged a deposit of {$250.00} which showed pending on XX/XX/XXXX. Most of the pending deductions were posted the night of XX/XX/XXXX though and I was charged four {$36.00} overdraft fees. The balance AFTER the fees and deposit was {$64.00}. So I was charged {$140.00} for a total overdraft amount of {$41.00} ( including two pending debits of {$150.00} and {$7.00} ( not posted yet ). I dont think it is right to be charged that amount of fees for that negative amount. I also dont understand the process of overdraft charges on pending transactions because they can charge a fee for posted items based on pending item balance then charge another fee when the pending items post after already charging fees that make the account balance more negative. 
Overdraft charges need to be regulated so banks are not getting double fees for pending then posted. They should also have a maximum based on the amount of an overdraft. It is ridiculous to pay {$140.00} for an oversight of one transaction that caused an overdraft of {$41.00}, especially since multiple withdrawals were posted but the last items were small amounts so received multiple fees. I am on XXXX and this is almost $ 10 % of my monthly income. It should be usury. 
This situation is with PNC Bank in Michigan.
Product: Credit reporting or other personal consumer reports

This account has inaccurate information, dates, law 1681 applies to it.
Product: Credit card or prepaid card

It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history. Please rectify this error promptly and ensure that my account reflects the fact that I have always been punctual with my payments.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX  XXXX XXXX
Product: Debt collection

Ive contacted Barclays on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX trying to pay off a supposed debt on my credit report. They told me the account was charged off to XXXX XXXX XXXX, however, when I call them they tell me the account was recalled by Barclays last year at or around XX/XX/XXXX. When I call I call Barclays they dont seem to find my account. Ive been put through processes where Ive had to wait for 7-10 business days to find my account. I called the second time and they said no one had updated the previous request and that she would put in a second request for their back office find my account, and now I have to wait another 7-10 business days. I call back today, the account manager manages to send me to the correct department, I felt like I finally had gotten somewhere - that Barclays wasnt a scam-type of company. I tried to take the settlement offer their collection department tried to draft for me. I asked for pay and delete and for a lower amount, and was denied the request after she stated the settlement offer was generated automatically based on the amount owed, and that she couldnt make any exceptions. I was okay with this as is expected with a lot of creditors. Then the funny business started. She asked me if I wanted to spread the amount over a few months, to which I replied no that I was going to make the payment in full over the phone. She sounded disappointed and told me she would not take my payment over the phone, that I had to mail it in? I tried telling her that was not possible for me. She said that because my account was charged-off that she couldnt take a payment on it. I dont understand whats going on here, I dont like it, payments can get lost in the mail and it also delays the time in which the collection is reported pay in full ( extra days for mail delivery, extra days to post the payment, then process the actual change on the account ). She stated this was the ONLY way that I could make a payment, and asked me how I wanted to proceed? Excuse me? Im trying to pay you a debt that you received a tax break on a few years back, and now you dont want to take my money? Are they trying to divert funds into other accounts on the back end? I dont get it, she refused to help me or provide me a resolution, told me she would update the account with my comments, and hung up. I can not believe that in XXXX a CREDITOR BEING BARCLAYS US CARD COMPANY can not take a payment from me via a credit card. Even Collection Agencies take credit card payments. Extremely frustrating as a young person trying to get a mortgage. I understand the ramifications of not paying a debt, but companies should give customers a break, especially during THE COVID-19 pandemic, and to someone who was laid off and still trying to meet their financial obligations,
Product: Mortgage

I have been in the process with Rocket Mortgage for the last 3 months to close on a property. They have had all my documentation for the last 2 months and only began the underwriting process 1 week before our agreed-upon closing date which is XX/XX/XXXX. More than likely now our closing will have to be delayed which is completely unacceptable. 

They continue to request documentation about a gift letter, but purposely send me a different document to sign in order to make it seem as if the delay is my fault. They simply just started the process too late.
Product: Mortgage

Early in the year I refinanced my home. I was advised that the mortgage was sold to XXXX XXXX XXXX ( XXXX ) and the first payment was due XX/XX/XXXX. XXXX purchased from original company, XXXX XXXX. XXXX before any pymts. were due. On XX/XX/XXXX I made a pymt. online to XXXX for {$1600.00} for the XX/XX/XXXX due date. 
Immediately, I called a Rep with XXXX named XXXX and asked that the pymt. be backed out. He said he could do this as it had not posted. HE DID NOT BACK THE PYMT. OUT. 
See copy marked # 1, my XXXX XXXXXX/XX/XXXX stmt. indicating a pymt. was made to XXXX on XX/XX/XXXX. See item marked # 2, notice from XX/XX/XXXX that effective XX/XX/XXXX the servicing loan is being transferred to Planet Home Lending , LLC. I will add that this notice is dated XX/XX/XXXX, however, I did not receive it until after I had made the payment to XX/XX/XXXX. 

THIS IS THE PROBLEM and the REASON FOR MY COMPLAINT : I have been communicating with Planet every month as they have yet to credit me with the {$1600.00} payment that was made for the XX/XX/XXXX due date. On XXXX I spoke to XXXX and she told me it takes 60 days for lender to transfer and there will be no late charges assessed to me. On XXXX I spoke to XXXX and he told me it should ( the pymt. ) show up after the XXXX of the month. On XX/XX/XXXX I spoke to XXXX and she indicated the record indicates {$1500.00} unapplied, {$150.00} short of pymt of {$1600.00}. She referred me to XXXX XXXX, Mitigation Team Lead - See # 3. I never heard back from XXXX XXXX after that last e-mail. On XX/XX/XXXX I spoke to XXXX, she checked with a Spvsr and was told they are still researching. On XXXX spoke to XXXX in Customer Service, employee ID XXXX, he said everything should be resolved. A file was opened XX/XX/XXXX. BY THE WAY, NO LATE FEES ARE BEING ASSESSED. On XX/XX/XXXX see # 4 and the response # 5. I discovered the first of XXXX that Planet had reported me 30 days late on payments to the Credit Bureau which has resulted in lowering my credit score. On XX/XX/XXXX spoke to XXXX XXXX of Planet and she advised that a task was issued to resolve the credit bureau issue ( still going on ). I told her I would pay the difference of {$150.00} just to resolve everything if they would fix the report to the credit bureau and credit the payment they owe me and put it in writing. She told me to e-mail Customer Service with my request -- See # 6. See # 7, this is the response to my e-mail to Customer Service and # 8 is the report I downloaded from XXXX XXXX. 
I believe I have been more than patient and just do not know where to turn for HELP!!!
Product: Credit card or prepaid card

On XX/XX/XXXX I made a charge {$10000.00} on my Barclays credit card. I made the purchases with XXXX with the understanding that if i did everything instructed of me, I was guaranteed to make at least my initial investment back totally {$76000.00}. Please see " Investment Commitment '' in attachments. Furthermore, the Investment Commitment certificate states if I have not made my money back, they will continue to work with me until I have achieved this. On XX/XX/XXXX, the FEDERAL TRADE COMMISION and UTAH DIVISION OF CONSUMER PROTECTION filed an injunction and a restraining order to cease and desist all business practices. 
Upon finding out of the business closure, I have reached out directly to the merchant resulting no answers nor resolutions. With no success reaching the merchant, I contacted Barclays ' customer service no less than 5 plus times. Each call had a holding time of at least 1 hours before speaking with anyone. The initial call was XX/XX/XXXX where I requested a dispute case to be opened. They asked for it to be a written reuqest and additional information supporting my situation. All information was submitted via mail and fax. I recieved a letter via postal mail dated XX/XX/XXXX that a dispute specialist will take over my case. Another letter dated XX/XX/XXXX just 3 days later was a denial to the resolution. How is a proper investigation completed in less than 3 days? Extremely disappointed, I asked for the case to be escalated. 
I followed up with another call on XX/XX/XXXX to check on my status and spoke with XXXX. She was not able to give me any updates on my status and could not offer any assistance. She placed me on a call back list for a supervisor in 5- 10 days but no supervisor/ manager have returned my call.
Product: Debt collection

I recently received my updated credit report and there is a Collection agency named Fox collection center on my report trying to collect a debt. I discovered that in the state of Florida a collection agency must be licensed and bonded and it is against the law for them to do so. This company is not licensed in the state of Florida where I reside. I would like for this company to stop trying to cease this debt and also remove this collection from my report from all credit bureaus.