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

CFPB DISPUTE I am the author of this complaint.

According to the Fair Credit Reporting Act 15 USC 1681 section 602a 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 Experian 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. " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX is a financial institution 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. " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. All consent to XXXX, Experian, ( 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. '' XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX 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 also 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. '' These accounts are adverse items, and they are reporting 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 Experian 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: Debt collection

I never received a notice of debt. This account has been on my credit file for too long and is affecting me from getting loans and credit cards.
Product: Checking or savings account

Prior to my mother 's death, I was paying a home equity line of credit that was in my father 's name. After she passed, my father called to arrange to have the payments taken from his bank account. Citizen 's Bank via XXXX Payments indicated they had completed the change, but they are still taking the money out of my account. I called them on XX/XX/2019 and my father called and followed up the next day. They had indicated they made the change. 

I had to go through my bank to dispute the withdrawal on XX/XX/XXXX and was able to get the funds back ; however, they debited my account again on XX/XX/XXXX, and I am having to go through the whole process again.
Product: Credit reporting or other personal consumer reports

i, XXXX XXXX am victim of identity theft.. my information was exposed in the data breach. you have to remove all these inquiries don't turn my disputed into a day dispute under section 605b this needs to be removed within 4 days my information was exposed in data breach and people have been using my information.
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 the right to privacy. 

15 U.S.C 1681 section 604 A Section 2 : Consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have reported being a victim of identity theft, and you are required to remove any items that were opened without my knowledge, consent, or authorization within 4 business days. This must be done upon receipt of the following : ( 1 ) proper proof of my identity, ( 2 ) a copy of my identity theft report, ( 3 ) my identification of the fraudulent information, and ( 4 ) my statement confirming that the information does not relate to any transaction I conducted. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

They have my account on hold which I tried to withdraw my funds I called the fraud department and they told me I am allowed to withdraw my funds in the branch and now theyre saying its up to the branch to let me withdraw my funds
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft. 

XXXX XXXX XXXX Credit CardXXXX XXXX XXXX XXXX XXXX- Credit Card- XXXX Please block this information from my credit report within 4 business days, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 


Attached : Identity Theft Report Proof of identity : A copy of my drivers license and Social Security Card Fair Credit Reporting Act Section 605B Police Report Dispute Letter
Product: Student loan

When I pulled my XXXX credit back around XX/XX/XXXX I realized that there were multiple Student Loans on my credit report. I contested those loans given I did n't sign as a co-borrower for these loans. I also just finalized a Chapter XXXX bankruptcy. I have my own Federal Student Loan that has been on pause while I was in Bankruptcy. When I logged onto Navient I realized they were listing all of my ex-wives loans on my account as well. I have requested the original promissory notes and it is obvious that at least four of the six promissory note signatures have been forged. I want to take my name off as a co-borrower on these loans. My ex-wife has entered a diversion back in XX/XX/XXXX for forgery charges. In addition, in XX/XX/XXXX she was charged with a misdemeanor and entered into probation for embezzling money as the PTO Treasurer of our daughters school. I simply want my name taken off of these loans as a co-borrower due to forged signatures.
Product: Checking or savings account

I had open a bank acount with us bank and my acount was close becused I didn't hand money in my bank acount I thought that my funds where sending me a check yo my address but I never open my mas il and I rescued a letter that st and XXXX that my acount was close for not having funds and I disputed my bank acount all I got was a letter stating that all was geting but I believe that us bank close my acount before I had access to my funds
Product: Student loan

I had attended XXXX XXXX XXXX XXXX XXXX ) and was forced into taking out a personal loan to pay a portion of my balance. The loan was disbursed for {$2000.00} beginning in XXXX with Navient. On XX/XX/XXXX the Department of Education announced a group discharge, that all loans would be discharged for any attendee of XXXX XXXX schools. My private loan is paid off and I would like to be refunded for all monies paid towards this loan as it has been deemed that XXXX XXXX had engaged in widespread and pervasive misrepresentations. I have been informed that Navient has been providing students with a Misconduct School Discharge application to be reviewed for potential discharge of private loans disbursed for fraudulent schools. I would like the same opportunity to receive a refund for the monies I have paid out for this fraudulent school.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion on XX/XX/19 you sent me a letter in mail stating that XXXX account XXXX was deleted from my credit file after reviewing my credit report online the account is still reporting this is a violation of the FCRA YOU DIDN'T SEND ME ANY UPDATES WITH IN 5 DAYS LETTING ME KNOW IF THE ACCOUNT WAS READDED PLEASE DELETE THIS ACCOUNT ASAP
Product: Mortgage

Earlier this year I applied for a forbearance on my mortgage loan due to increased expenses during COVID-19. 

Prior to going into this forbearance, I was told that there would be no negative repercussions for doing so. 

What I was not told is that I would apparently need to make 3 consecutive payments in order to get a new mortgage loan. This was not stated in any of the documentation I received during the forbearance period ( see attached ), nor was it stated to me when I came out of the forbearance with the need to apply for a new mortgage loan. 

I am being told that because I have not made 3 consecutive payments on my mortgage I can not get a new loan. Additionally, when I called to Wells Fargo to take my loan out of forbearance, I was not informed that had I chosen to make a lump sum payment for the amount of missed payments that I would be able to apply for a new loan with no issues. 

So, both the documentation I received from Wells Fargo, as well as the conversations I had with staff through the end of the forbearance, did not accurately tell me what I need to do in order to apply for a new loan. Prior to this, my wife and I have not missed a payment on anything ( and still have not, as this was an approved forbearance ), have >800 FICO scores, and make enough money to qualify for the amount of the mortgage we are trying to get. I feel like Wells Fargo has been deceptive in their handling of our case.
Product: Credit reporting or other personal consumer reports

Hello, I purchased two sectional sofas from Macys between XXXX and XXXX. One of the sofas were returned and my account was finally credited after months and months of speaking with countless representatives. However, the minimum payment due was never corrected. During the return process a system error occurred which increased my minimum payment to {$500.00} instead of {$30.00} which I was paying for one sofa. Macy 's never fixed the minimum amount due for just one sectional which I purchased. My account is in a delinquent status because of this issue, I am getting delinquent calls, and notices. I have asked Macy 's for over five months to fix this. 

I've talked to a countless number of customer service reps via 800 number and have spent a countless number of hours trying to resolve this. Finally, a representative ensured me that the minimum payment would be adjusted and to give it 5-10 days. It has been five months and I am receiving calls from Macy 's that my account is delinquent. In addition, my credit score has dropped XXXX points during this dispute with Macy 's. I have sent emails to Macy 's and have been told it's in dispute, yet the minimum due is still {$500.00} which is a default from both sectionals. I have worked hard to keep my finances and credit top notch. I need to have this resolved immediately since my due date is approaching again and my credit score is continuing to dwindle.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  has been non-compliant with removing the unverified account SELENE FINANCE LLC which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SELENE FINANCE LLC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Mortgage

I called Wells Fargo ( XXXX ) in XX/XX/XXXX informing them I would pay my own California Supplemental taxes. I informed them I did not want XXXX to pay them because it would cause a shortage in my escrow account. They then instructed me that it would not cause a shortage and that they would pay it with my escrow funds. In XX/XX/XXXX it did indeed cause a large shortage just as I predicted to them and it was the exact amount of my taxes I intended to pay in XXXX. {$1900.00}. Then my mortgage would increase to help pay these the following year even though I proved to them California only charges these in the first year of homeownership. I called them the same day I received their new bill and told them this should not have happened because I was told by their own service team it would not occur. They told me they would fix it and my mortgage would return to my normal amount which was {$300.00} less than what they were trying to charge. Then a week later and they send a new bill which was {$500.00} higher than my original bill. I called again and now months have gone by without any real response. Just responses saying they are working on it. I paid my new XXXX bill that they pulled a number from thin air and now my XXXX bill is even higher than my XXXX bill that they said would be lowered. I have talked to numerous people and none of them can figure out how my bill is calculated. They come up with numbers then ask me to come up with a bill that I think I should pay. I never realized a bank could be so inept at figuring out a fixed mortgage bill.
Product: Credit card

On XX/XX/year> I had 7 attempted requests to access my credit report by : XXXX XXXXXXXX XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX - XXXX These are fraudulent requests, I have never applied for a credit card from this company. I called the above number and eventually spoke to a fraud department who confirmed an application for a credit card that was submitted in my name. I asked for the application to be canceled and a fraud report to be filed. The company requested my name, phone number, and mailing address to provide me a copy of the report -- which I provided. The company repeatedly requested to have the last 4 of my SSN, which I refused to provide.
Product: Credit reporting, credit repair services, or other personal consumer reports

They were encouraging everyone to open lines of credit when it came out as a new service for everyone as they would call an instant back up, which they used term for overdraft protection. Nowhere in their guidelines to that state that they would report to your credit, and if not making that worse already putting the line of credit to XXXX and making it utilize the full limit as if its a credit card because it showing up as a credit card on my credit reports dropping at 70 points, now I find this completely disgusting and fraudulent considering I was kind and provoked by the workers to sign up for this house. This would ensure. That I would not run into any financial hardships. I had to pay everything off in full today {$500.00} just to close my account to make sure that my annuity money would be safe and not be pulled back in. I am going to file a police report if this is not taken care of, and this is not taken off of my credit by the time I wake up in the morning. XXXX XXXX XXXX in XXXX California on lone tree way is the most disgusting horrible bank Ive been at. I wish I never opened an account here. I have been here for over nine months and never once have I spoken to the manager at the bank because they do not have time to talk to me. On top of that they put holds on XXXX and do not release the funds and put a hold on it just like checks for two days to make sure the funds clear same with cash app or any other service leaving you no other option but to take out cash I had to go in earlier to get {$80.00} in change in fives and they made me deposited into my account just to get cash back and overdrew my account with the line of credit because they would not make the cash available until the next business day.
Product: Debt collection

Vengroff Collections has violated my Federally Protected Rights under the FDCPA.. Vengroff is attempting to collect an alleged debt that aroused out of family, personal and household use. Vengroff contacted me ( via mail ) and without my prior consent violating 15 USC 1692c. Vengroff used deceptive means to collect on a alleged debt stating they are collecting on behalf of XXXX XXXX is very misleading being that Vengroff is a debt buyer. You now on Notice to Cease and Desist..
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Allied Collection Services , Inc., for committing identity theft. I have never given Allied Collection Services , IncXXXX, any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article XXXX, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with Allied Collection Services , Inc. and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of ( todays date ), I have not received any documentary evidence, such as a trilateral contract, giving Allied Collection Services , Inc. any right to collect on this alleged debt. I have never received any documentation requesting validation from Allied Collection Services , Inc., before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If Allied Collection Services , Inc., can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Allied Collection Services , Inc., can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Allied Collection Services , Inc., continues its collection efforts, I will file for litigation for actual damages caused and Allied Collection Services , Inc., will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Prepaid card

To debits were made on XX/XX/year> amount of {$54.00} and {$1.00} for goods and services well I have never received the goods and come to find out it's a scam company they take your money and don't ever send anything I brought this up to them they said it's not their responsibility it's mine I've tried to resolve it with the company that took my money with no results no reply to the email nothing so I asked my card company to refund me the money or charge back they wouldn't do anything they basically told me to f off that it's none of their responsibility they can give a XXXX less XXXX out of luck excuse my language but that's pretty much what they said and they won't even let me dispute it at all they refuse to take my claim or dispute they won't even allow me to do it
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

CREDIT CONTROL MADE ME APAY AN INCORRECT AMOUNT THAT WAS OWED AND PUT IT ON MY CREDIT ALTHOUGH I PAID THIS OFF. I WAS BEING TOLD NUMEROUS OF TIMES THAT THIS XXXX WAS MY BALANCE OWED. I REPEATEDLY TOLD THEM THAT THIS WAS NOT WHAT I WAS OWED. TEY INSISTED. EVERYTIME THEY CALLED I DIDNT HAVE THE BILL BECAUSE I WAS AT WORK AND DIDNT HAVE TIME TO LOOK FOR IT BUT NOW ITS BEEN FOUDN AND AS YOU CAN SEE I WAS FORCED TO PAY AN INCORRECT AMOUNT AND THEY STILL PUT IN ON MY CREDIT AND MADE ME PAY THE INCORRECT AMOUNT IN FULL. I WANT MY MONEY BACK OWED AND THIS " COLLECTION '' TO BE REMOVED FROM MY CREDIT REPORTS ASAP OR I WILL TAKE FURTHER ACTIONS AND REPORT THEM TO THE XXXX.
Product: Credit reporting or other personal consumer reports

I need every hard inquiry disputed off my credit report please and respectfully
Product: Debt collection

Called around  XXXX  or  XXXX  to do a 70 % settlement
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue with experian. They are not updating my information and have items lingering on my report that are inaccurate and incorrect. I have asked for validation and verification and they have not complied with my written request but are still reporting the inaccurate information. I am making a formal complaint and would like this matter investigating accurately and resolved.