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

On XX/XX/2022 i received a derogatory mark on my credit report from experian, XXXX and XXXX regarding a late payment from a XXXX account. I then proceeded to call the bank and the credit reporting agencies but was led nowhere regarding the situation. I then mailed out a letter on XX/XX/2022 and XX/XX/2022 to both the lender and reporting agencies letting them know they were in violation of my consumer rights. They've only updated the account since then and no further action was taken place. 

15 USC 1681a ( 2 ) ( a ) ( i ) and 15 USC 1681b ( a ) ( 2 ).

( 2 ) Exclusions. - Except as provided in paragraph ( 3 ), the term consumer report does not include ( a ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with written instructions of the consumer to whom it relates.

I didnt not give this company written instructions to furnish anything to my consumer report, let alone Late payments. I did not authorize or grant verbal or written permission for them to report my personal information.

I also did not receive the option to opt out from consumer reporting. Companies are suppose to give you the option to opt out from credit reporting. I wasn't properly informed of my rights nor wasn't told about my option to opt out of credit reporting prior to the end of the 30 day period. They are suppose to tell me this before the item is reported. They are suppose to provide me with clear and conspicuous documentation that gives me a clear overview of what my rights is in terms of credit reporting.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Debt collection

On multiple occasions, we have been harassed by Peerless Credit Services for a debt that belongs to my ex wife. <P/>The most recent incident was on X/XX/2017 around XXXX. Upon receiving the bill for XXXX XXXX, Acct # XXXX, I contacted Peerless Credit Services to  provide them with contact information for XXXX XXXX. During these conversations, they refused to take her information, stating that this is my debt, when it is not. The Peerless folks hung up on us numerous times and have yet to take the address and phone number of the responsible party. <P/>This is the 3rd month in a row we have attempted to resolve this with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Several months ago, I proactively contacted Citibank because I thought I 'd be unable to make my monthly payment due to unforseen medical bills. When I talked to a Citibank customer service representative to make payment arrangements, he told me that one of the " perks '' of my Citi " Simplicity '' card was that I was allowed to entirely skip a payment without any penalty whatsoever. He advised me that I should thus pay my medical expenses, and NOT pay Citibank that month. I asked if this would be reported to the credit bureaus, and I was assured again that that was allowable as a Simplicity cardholder unless several months would pass without payment. 

I know that Citi definitely has written and possibly even recorded accounts of this conversation that took place around XX/XX/XXXX or XX/XX/2015. Obviously, I was given wrong advice and was turned in to the credit bureaus. The payment WAS missed, this is NOT under dispute. The reason the payment was missed was because I was told to do this by one of Citibank 's representatives, and I relied on his advice. 

The fact of the matter is the rep should have stated that, should I miss a payment, I would not be charged a late fee. This is NOT the message that was conveyed -- he advised me to NOT PAY for that month, to actually skip a payment -- and that there would be no ramifications due to the benefits of the Simplicity card. 

My FICO score plummeted from about XXXX+ to XXXX, and even though I recently paid citibank {$20000.00} ( XXXX XXXX ) dollars, it remains low. This is the only payment I 'd ever missed with ANY account in my entire credit history, and it 's only there because I relied on and followed the advice of Citibank 's representative. Other Citi reps have apologized, and supervisors have even given me credit on the card for the trouble this has caused with the promise that this will be removed -- but it has not. They 've now seem to lost track of what has happened, and are only looking at the fact that a payment was missed, not why. I 'm appalled that it seemed impossible to get them to look into this, so I 'm hoping you can make them see what has transpired. I feel this is Citibank 's fault, not mine, and my credit score and history should be mended.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I appreciate your taking the time to DELETE some of the information in my credit file ; however, there are still other accounts that need to be deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$26000.00} XXXX XXXXXXXX 52391415****Balance : {$3900.00} XXXX XXXXBalance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
According to 15 USC 1681 ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681 ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( it ) the information is, in fact, inaccurate. 
I can go on and on The credit bureaus have no respect for the laws. 
Someone needs to hold them accountable for this
Product: Debt collection

I CHECKED MY CREDIT REPORT WITH XXXX XXXX XXXX XXXX. IT HAD AN UNKNOWN COLLECTION REPORTING FOR {$79.00} FROM A COMPANY CALLED XXXX XXXX XXXX. I CALLED THE COMPANY ASKING ABOUT THIS UNKNOWN COLLECTION ON MY ACCOUNT AND THE REPRESENTATIVE TOLD ME THEY DO NOT HAVE A COLLECTION UNDER MY NAME OR SSN. I ASKED THE REPRESENTATIVE TO SEND ME SOMETHING TO SEND TO THE CREDIT AGENCIES AND HE REFUSED. THIS ITEM DOES NOT BELONG TO ME AND IS HURTING MY CREDIT. PLEASE HELP ME IN REMOVING THE ITEM.
Product: Mortgage

I lost my home in the XXXX XXXX on XX/XX/2021. I continue to pay my mortgage and am in good standing. My mortgage company is Specialized Loan Servicing LLC ( SLS ). 

My mortgage company is impeding my ability to rebuild by failing to complete required paperwork by XXXX. XXXX is requesting confirmation that this company is my lien holder before releasing XXXX funding. I submitted the paperwork to the mortgage company and was told it would be processed in 2-3 business days. This was weeks ago and every time I contact the company, I am told that they have sent the paperwork to " management '' and it will signed within XXXX business days. The paperwork is short - acknowledgement and signature that they have a lien on my property. It has now been a month and every time I call, the paperwork has not been signed. XXXX will cancel my rebuild funding without this paperwork. 

Additionally, this mortgage company erroneously charged me for homeowner 's insurance after the fire when I had no home. They then reversed this error but failed to do a new escrow analysis and I continue to get charged for insurance each month, which I must pay in order to stay in good standing. Every time I call to update this charge, I am told no one can fix it. 

Finally, this company has a policy that they will not respond to emails. They will not provide a contact person. They will not provide a direct contact number. Every time I call, the average wait time to talk to someone is 20 minutes. I am then sent to customer service and told they do not have the authority to help me. I am then told that it is my responsibility to follow up on these requests ; however, I can never get a person who has the authority to sign the paperwork or update my escrow analysis. 

Typical conversations take over an hour of my time. This happens weekly. I work full-time and despite dedicating my time to contacting the company, still don't have these issues addressed and resolved. I am told there is no supervisor to transfer to and I am not allowed to contact management. The company refuses to provide any additional numbers or contact options.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a dispute to Equifax to remove an mortgage account that was more than XXXX XXXX XXXX. Equifax results were " We verified that this item belongs to you. This account has been updated. Additional information has been provided from the original source regarding this item. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX, IA XXXX Phone : ( XXXX ) XXXX '' On XX/XX/XXXX I submitted a dispute again to Equifax to have the same mortgage account removed. Equifax results were " We verified that this item belongs to you. This account has been updated. Additional information has been provided from the original source regarding this item. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *ADDITIONAL INFORMATION. If you have additional questions about this item please contact : XXXX XXXX, XXXX XXXX XXXX, XXXX, IA XXXX Phone : ( XXXX ) XXXX '' On XX/XX/XXXX I called Equifax to attempt to resolve the issue with the company however, I was told the lender reported the account active as XX/XX/XXXX and to contact the lender. I attempted to escalate my issue to supervisor/manager both time I was hung on and second time before the customer service rep disconnected the call she asked that I called back in a couple of hours because their system was down. I told her I would wait on hold until the system was working again but she disconnected the call. 

So I decided to attempt to reach out to the mortgage lender however, upon a XXXX I found that " XXXX XXXX XXXX XXXX was a residential mortgage loan originator and servicer based in XXXX, XXXX XXXX. As a result of its exposure to subprime lending during the subprime mortgage crisis, the company filed for bankruptcy protection in XXXX and underwent liquidation in XX/XX/XXXX. '' Equifax has violated Fair Credit Reporting Act ( FCRA ) by furnishing old information as new information and completely falsifying my dispute by stating the account was verified with a company that no longer exist. 

Additionally, I no longer can access the dispute results from XXXX it appears the company has deleted the dispute file within my account.
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. 

XXXX  XXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPTEDXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" I have identified unauthorized hard inquiries on my credit report. ( See below for list ) conducted an inquiry without my consent. I did not authorize this action, and it has negatively impacted my credit score, making it more challenging to secure new credit. '' Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Money transfer, virtual currency, or money service

During XXXX and XX/XX/year> the following funds transfers were made from my Capital One Savings Account WITHOUT MY KNOWLEDGE AND AUTHORIZATION : XX/XX/year> {$0.00} To XXXXXXXX XXXX XXXXXX/XX/year> XXXX To XXXX XXXXXXXX XXXX XX/XX/year> XXXX To XXXX XXXXXXXX XXXX  XX/XX/year> XXXX To XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX To XXXX XXXX XXXX XXXXXX/XX/year> XXXX To XXXX XXXX XXXX XXXXXX/XX/XXXX. XXXX XXXXXXXX To XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX To XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX To XXXX XXXXXXXX XXXX XXXXXX/XX/year> XXXX To XXXX XXXXXXXX XXXX  TOTAL {$21000.00} I first learned of these transfers on XX/XX/year> when I went online to tranfer funds INTO the account. I immediately called Capital One Bank, reported the unauthorized withdrawals and they agreed to open an investigation. I was assured that if the withdrawals were not authorized by me, the funds would be returned to my account. 

XXXX XX/XX/year> I received unsigned letters from Capital One stating that " We've concluded that you authorized the transaction { s } ''. The " documents we used to make our decision '' consisted of heavily redacted printouts of phone calls and emails related to the transfers and screen shots confirming that the transfers were made. There was no evidence or proof that I authorized the transfers because at no time between XX/XX/XXXX and XX/XX/year> did I have any communications or other contact with Capital One Bank by mail, email, phone, text, computer or online. 

On XX/XX/year> I submitted a " Rebuttal '' to their decision making the following poihts : 1. I never was in contact with the bank during the period of the transfers 2. Their usual procedures regarding funds transfers were not followed 3. They claim that all the transfers were made from my home computer but I provided proof that I was out of town for two of the transfers. ( This would indicate that a scammer may have had access to my computer. ) 4. Requeted the name of the XXXX XXXX account holder who received the funds. 

Capital One Bank did not respondI to my Rebuttal but I called a Customer Service Representative and was told that the Investigations Department had again determined that I authorized the tranfers. I asked to speak to the Investigator and was told that was not possible.
Product: Credit card or prepaid card

On Wednesday XX/XX/2021, I visited the Bank of America in XXXX, Georgia located at XXXX XXXX XXXX. I approached the teller desk to withdraw money off of my unemployment card. I provided my license and my debit card to show I was an account holder. After several attempts, the teller said the machine that is used to take the money off the card was not working. I asked her to try again, she did and said it was not working then either. She said there was no-one available to fix the machine and that she could not contact any help desk to try to troubleshoot and assist me. She directed me to a manager. The manager told me the battery was dead and needed to be charged and said she couldn't promise when the machine would be working again. Then she changed the explanation and said the machine was having data and network issues and that sometimes " technology '' doesn't work. She also said she did not know when someone would be available to fix the machine and refused to call the corporate headquarters to get advice on how to troubleshoot or what could be done to help. She told me to travel across town to another bank, without consideration for the fact that I am not in a position afford certain travel, especially as I was in town to check on two elderly parents, both of whom have XXXX illnesses. I was horrified because this is a multinational corporation that has a federal contract to provide people with access to their unemployment funds. i hate to consider the number of people who are in dire straits in the midst of a pandemic and this is happening and they have nowhere to turn.
Product: Credit card or prepaid card

I am a single woman with no kids and I live alone. I purchased a couple of TV 's on line through Best Buy website. Both Tv 's were delivered. I went out of town 2 days later for work because I travel for my business and I also had to go out of town to check on my family who was in the hospital at the time suffering from XXXX XXXX. upon my return I scheduled to have the Tv installed over my fireplace on XXXX XXXX. Before finishing the installation by putting the TV on the wall, the installer notice a chip on the bottom corner. I have attached a copy of the picture that was taken at the time it was on the wall. I called Best Buy to inform them of the problem, they referred me to XXXX and when I spoke with them they said the TV was in good working condition when it left there warehouse and the responsibility falls onto Best Buy since it was delivered. Neither company was taking responsibility for the damage tv. I took the Tv to the local Best Buy store in XXXX on XXXX XXXX. I spoke with the Store Manager XXXX XXXX and he noticed the damage on the box and mentioned that it was a common problem. If you see a damage on the box is where the damage on the TV will occur. So he sent the TV to the XXXX XXXX to see if they would fix it and told me that I would still be responsible for paying for the cost. I told him at that time if there is a cost to fix I would n't pay it because it is not my fault the tv was damaged. I asked if he had another tv like the one I had for purchase. I purchased another tv the same day before leaving because I needed the installation person to complete his job so he could get paid for services. On XXXX XXXX I received an email stating that the tv could be fixed XXXX didnt have the part and the XXXX XXXX could n't fix it. They stated there was nothing else they could do nor could they refund me for the damaged tv. I later dispute the transaction with my credit card and the credit card company was told by best buy that they have a 15 day return policy and I was past that time frame. Now my best buy credit card would n't refund me nor would they cover the warranty like most credit companies when using major credit cards. Now I am stuck with paying for a tv that I no longer have in my home and ca n't use and this is unfair to me as a consumer to have to still pay for merchandise that I did n't damage --
Product: Debt collection

CFPB THIS IS NOT A DUPLICATE COMPLAINT. 

Dated on XX/XX/2022 CFPB Complaint ID : XXXX XXXX stated We take our customer service and consumer protection obligations very seriously and have dedicated significant resources to our compliance-related functions. 
I, XXXX XXXX, a federally protected consumer, am filing this with the Federal Agency Consumer Financial Protection Bureau against the company Resurgent Receivables LLC. 
I am aware Resurgent Receivables LLC is attempting to collect an alleged debt from I, XXXX XXXX, and I refuse to pay the alleged debt. I am aware Resurgent Receivables LLC is in noncompliance with the law 18 U.S. Code 894 - Collection of extensions of credit by extortionate means. 

( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( XXXX ) to collect or attempt to collect any extension of credit, or ( XXXX ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 
I am also aware that Resurgent Receivables LLC has my private and personal information in their possession which is my name, date of birth, social security number federally known as Credit Card ( Pursuant to 15 U.SXXXX Code 1602 ( l ) ) without my consent and furnishing it to the public ( Credit Reporting Agencies ). Resurgent Receivables LLC stated With its purchase of the Account, the Current Owner acquired all ownership rights, including the rights to collect on the Account and to report to the credit bureaus. if eligible. Currentlv. this Account is being reported to the credit bureaus on behalf of the Current Owner. I did not give any written instructions or permission to Resurgent Receivables LLC to purchase any account which helps me understand Resurgent Receivables LLC is in violation of The GrammLeachBliley Act. 
Under GLBA, penalties for non-compliance can include fines of up to {$100000.00} per violation, with fines for officers and directors of up to {$10000.00} per violation. I have demanded Resurgent Receivables LLC to delete the account from all credit reporting agencies and cease all communications, resurgent continues to be in noncompliance. I do not want these company furnishing my private information. I have a right to privacy as a consumer and Resurgent Receivables LLC is in violation and must be held liable for all unlawful actions. I am demanding payment of all the violations mentioned above.