23daVinci/CFPB_Complaints huggingface dataset:
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 right to privacy and confidentiality under the 15 U.S.C 1681. 

XXXX account number as follows : 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 instruction.

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 items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Sometime in the second week of XXXX, I applied for a credit card with Wells Fargo Bank. I already had a cash back credit card with them. This was for the XXXX card that offered no interest for XXXX  months on purchases. 

I was denied almost immediately, which was obvious that it was based on their algorithm. 

However, the major reason for the denial was incorrect, false, or did not apply to me. I am attaching a letter that I received that states the reason. They are the exact reasons that flashed across the screen almost immediately after I applied. 

I take issue with this because not only is my payment record with Wells Fargo excellent, but my credit scores are good, as you will see in the documents attached. 

The problem is that I was denied by a computer that used incorrect and false information to deny my application. 

When talking with the CFPB rep about it, he was immediately confused because as he said, the first reason of denial should be strong support for approving my application. 

I have XXXX credit cards with a total credit line of {$57000.00}, no balances but a mere {$13.00} set on autopay for Wells Fargo, for which my credit line is {$4100.00}. 

It makes no sense whatsoever. 

I am filing this complaint for several reasons : XXXX. I don't think XXXX  or an algorithm should be making these determinations, especially when it bases it on incorrect information. 

XXXX. I was taken aback by the response of people in customer service all the way up to the XXXX XXXX who refused to acknowledge that there might be a problem with their algorithm. In fact, they sent me XXXX letters on XXXX XXXX, XXXX, and XXXX explaining why I was denied without acknowledging the incorrect information about the ratio of my balance to my credit line. 

XXXX. I would like Wells Fargo to review their algorithm for this credit card application process so mistakes like this do not continue.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$4300.00} does not belong to me I was sent over someone eles efforts to obtain and account as the information sent to me did not prove the account was not aquired by someone else using whatever methods necessary to obtain the account and commit identity theft. This account was fraudulently opened through this company in XXXX of 2018 an has been reported to the FTC and authorities as Identity theft as there is a full copy of the report in this complaint. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/XXXX  paypal issued a credit card under my name fraudulently. I was the victim of Identity theft and have filed reports with Identitytheft.goc as well as a police report. I asked that the account be cancelled and a notice sent to the credit reporting bureaus acknowledging that this was a fraudulent account.

Despite contacting the agency ( phone, I do not have dates ) and last month by email, I have not heard anything back from the company, nor have the credit reporting bureaus Thank you, XXXX XXXX
Product: Debt collection

We transferred three cell phones from XXXX to XXXX in XXXX of XXXX. We were supposed to get XXXX new phones when we transferred our numbers, but two of the phones were on back order so we waited to port those two numbers. I received a bill for the first line and have records that I paid that bill. 

The other two numbers were not ported until the end of XXXX, and one of the numbers didnt port properly so it needed changed. XXXX sent me a bill for {$110.00} for the later two lines because they mistakingly put those lines on a separate account instead of on the same account with our first phone. I called XXXX to tell them all of the phones should be on the same account, and as such our promotions should have been applied, so they transferred those two lines to the account with the previously opened line as it should have been. When the transfer happened we were told our previous account would be cleared and closed out, as we were incorrectly charged, and new ( accurate ) charges were being moved to the new account. We also didnt receive one of our {$200.00} device credit promotion as promised for transferring lines because there were issues with the number porting. 

I continued to receive bills from XXXX for {$110.00} for the account that was supposed to be cleared and closed, for months. I have records that I called EVERY month for four months to get this taken care of. Every time I called I was assured the account had zero balance and was closed. I took notes of who I spoke with and also asked them to notate our XXXX account with those notes. I stopped receiving bills for the account in XXXX so I assumed they had finally cleared the balance. 

In XXXX XXXX XXXXXXXX, I tried to upgrade a phone on our account and was denied due to an unpaid final bill. I called XXXX to check on the bill and it was the {$110.00}, which they stated, once again, should have been cleared and there was no balance owed. I was informed from XXXX that the account had been sent to collections and the woman I spoke with at XXXX told me she would inform the collections agency that the bill was not owed. 

I have been receiving calls from the collections agency several times a week for this account since. I have spoken with the collections agency XXXX times, through phone and email, to inform them of what happened and explain that XXXX has cleared the balance. The last time I spoke with them they asked for the notes that mentioned who I spoke with at XXXX and the dates, which I sent immediately after hanging up. 

Both companies are not being helpful in the current state and I dont want this on my credit report. XXXX is still telling me the amount isnt owed, and the debt company is telling me it is owed. Im having trouble getting anyone at XXXX to talk to me about the account because they say once its been sent to collections its out of their hands. If they have had XXXX different employees tell me the debt is no longer owed and it was a mistake on their part, theres no reason I should still be getting calls from a debt collector for this money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few inaccurate items on my credit report, my name is XXXX XXXX XXXX please remove/delete any variations of my name. I live at XXXX XXXX XXXX XXXX OH XXXX please remove/delete the following addresses they are not accurate:XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX , OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not take the necessary steps to prevent a security breach which put the information of over 140 million individuals, including myself, at potential risk of identity theft. In addition to this, they waited nearly a month after the breach was detected to notify their customers, but provided timely enough updates to their shareholders that they could sell their stock and make a profit. Equifax should be required to monitor all the affected accounts and notify their customers if any fraud occurs. Credit fraud protection should be a mandatory they must now provide, not a burden for the victims to take care of.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has placed my mortgage account in credit as 1 month behind. 
My account in a COVUD-19 forbearance plan and I also requested to do a COVID-19 Loss Mitigation Program with XXXX XXXX. As of XX/XX/XXXX nothing has been process completed. But they forward my account to the Credit Bureau as being late with payments. This is the program I was told that my loan could be placed under. 
My loan is a VA Loan which I purchased my home in XXXX. Always on time until COVID-19 cause me to not have job. Please help COVID-19 Refund Modification is a consent from the VA for us to modify your guaranteed loan and the VA purchases a portion of your indebtedness from us. The indebtedness is then secured as a junior lien in favor of VA. VAs junior lien does not accrue interest ; does not require monthly payments ; and only becomes due when the property is sold, the guaranteed loan is paid off, or the guaranteed loan is refinanced, whichever occurs first. This option can allow for significant reductions in your monthly payments, increasing the likelihood that you will enjoy lasting homeownership. It is like the COVID-VAPCP in that VA can purchase indebtedness up to 30 percent of your unpaid principal balance ( UPB ) .The COVID-19 Refund Modification is not a stand-alone option. Instead, VA provides a partial loan refund alongside a the loan modification of the terms of your mortgage loan which targets a minimum payment reduction of 20 %; starting with deferring all arrearages, a potential term extension up to 120 months beyond original maturity date ; and potentially deferring more principal to allow for a payment reduction. You have missed at least one payment covered by a COVID-19 forbearance ; your guaranteed loan was current or less than 120 days past due as of XX/XX/XXXX, or the guaranteed loan was made on or after XX/XX/XXXX ; and you occupy, as your residence, the property securing the guaranteed loan.
Product: Credit reporting or other personal consumer reports

MR COOPER who identifies themselves as a debt collector, are claiming that they lent money in XXXX and are asserting themselves to be a financial institution. Based on 15 U.S. Code 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, therefore, it is my right to protect my private information from being shared. 15 U.S. Code 1681 section 604 a section 2 states 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. Several requests were made in XXXX, attempting to establish whether MR. COOPER lent money. Instead, the information they provided seems to show that they committed fraud, as well as violations against the Fair Credit Reporting Act, FDCPA, possible mail fraud and Privacy Act of 1974. They continuously post notices on the real property 's door when nobody is there, Disturbing the Peace and security of the gated community. Additionally, I gave no authorization to MR COOPER, its successor, predecessors or subsidiaries to furnish my private information to credit reporting agencies.
Product: Checking or savings account

I was scammed by another member of the same bank XXXX XXXX I was led to believe I was renting an apartment and then when the person was paid thru my chime account to her chime account she blocked me. I have continuously contacted chime to try n fix this n they keep denying my request. I have reported this scam to the FBI n the ftc n I told chime this n they do nothing. They are allowing scams to be ran thru there bank. They refuse to help me
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : I challenge the accuracy of my credit report and ask that you review your data to ensure that it is up-to-date and compliant with FCRA section 611 and Metro 2 reporting standards XXXX I am concerned about the potential for inaccuracies in my profile and require that all inquiries have a permissible purpose and be accurately sourced. I also demand the permanent removal of any inaccuracies immediately. I also demand a updated credit report indicating the changes. 
Below is a summary of the data in which I am challenging : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Deville Asset Management company is currently showing on my credit report. I have never been contacted by this company either by phone or mail in any attempt to collect a debt. I've tried to contact this company with no response. Deville Asset Management company is currently showing on my credit report. I have never been contacted by this company either by phone or mail in any attempt to collect a debt. I've tried to contact this company with no response. I would like this company removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XXXX XXXX XX/XX/2020, this has been a nightmare of not getting anywhere. I am very frustrated and feel like am being bullied and push in a corner by EXPERIAN, XXXX and XXXX, alleging that am a fool and could not be writing intelligently and i have no rights to communicate anybody as i must deal with them only. what a shame that me as consumer being bullied by the big companies. I feel like when i was in prep school.. i am asking you to help as i still have freedom as a consumer to legally communicate with who has my personal info and causing my unhappiness. 
Do they have a right to just ignored my request and pushed me in a corner and dictate how i should only communicate. Really?
Product: Credit reporting, credit repair services, or other personal consumer reports

UAS connect ( student loan company ) reported that I missed 8 payments. I have bit missed any payments. XXXX has this reported incorrectly. XXXX managed to change this status to up to date, but XXXX has not.
Product: Credit reporting or other personal consumer reports

Creditors put accounts into collections of accounts I dont have knowledge of, they wont respond back to me or dispute accounts off my credit I want these accounts removed Us department of education XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Product: Debt collection

This is a 3rd party debt collector, attempting to collect off a discharged, or closed account ... the original Creditor, was XXXX XXXX, when fraudulently opened in XX/XX/XXXX, in XX/XX/XXXX I sent a letter and repeated calls to XXXX that this account was not opened by myself, they closed it in XX/XX/XXXX, XXXX XXXX bank then attempted to add fees on a closed account, originally a XXXX dollar line of credit ... in the excess of XXXX dollars, so far. in XX/XX/XXXX I filed in court and notified them of a court date, they did not appear ... debt was removed, and XXXX XXXX removed it from my credit reporting file, on XX/XX/XXXX I received a letter form the Collection company XXXX, and repeated phone calls of harassment, on my JOb phone number, I am fed up of this, I am also enclosing the cease and desist letter I sent them ..thank you
Product: Prepaid card

On XX/XX/year>, I filed a fraud dispute with Navy Federal about my card being stolen and a fraudulent charge made on my account for {$2500.00}. I faxed a written dispute form on XX/XX/year>. I have not received a claim confirmation email, and I haven't been giving an option to receive a provisional credit while an investigation take place.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed two things on my credit report with XXXX  and XXXX, But Equifax is impossible to contact.. They're website, ( on days that it will even let you log in ) gives a error message with anything I try to do. They're phone help line randomly makes choices for you before finally saying " Thanks for calling Equifax, Goodbye. The first Dispute is with XXXX XXXX. They have a account from XXXX XXXX XXXX for XXXX. This was for an unauthorized medical procedure performed for XXXX. Agreement was made with XXXX XXXX specialists for 50 % payment to settle the issue. It still ended up on my report though.

Second was XXXX XXXX acting for the XXXX XXXX in the amount of XXXX. This was for a early lease termination. Also approved by the leasing mgr. 5 yrs ago. 
Both of these matters were settled before ever showing on my credit report. I can dispute them myself with Equifax if any of their outlets worked at all.
Product: Credit card or prepaid card

XXXX XXXX XXXXWhen making a payment for my monthly credit card statement, their system credited the payment twice. Called company when noticed, 2 hours later, which they said was too late to do anything about that day. Called supervisor the next day, was told theyd credit and also pay back any overdraft fees. 8 days later, payment isnt credited and theyre now saying 30-60 days to get it back to me. They took 2 {$3000.00} payments out of my account. I had to borrow the money to make sure it didnt overdraw my account..didnt believe theyd take care of the fees as they said. Now, I dont have any money to pay any of my monthly bills. Why would it take 30-60 days to resolve an issue their system caused??
Product: Debt collection

My XXXX year old daughter is receiving non-stop calls on her cell phone from " Cooper Hoffman & Klein Associates '' attempting to collect a debt from someone named " XXXX XXXX ''. We block the calls but they keep calling from other phone numbers. I called on XXXX/XXXX/15 and spoke to XXXX - I explained the situation and he hung up on me. They reference Case # XXXX and have called from these numbers : ( XXXX ) XXXX ; ( XXXX ) XXXX and ( XXXX ) XXXX. The voicemails threaten legal action and someone will show up at our house.
Product: Mortgage

Loancare LLC does not apply my payments correctly. I have submitted several complaints through this site, yet the problem is never fixed. Nor do I get a response from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Sears Home Improvement account, bank note held by CitiBank opened. 
XX/XX/XXXX XXXX charge for the initial down payment for the Sears Home Improvement project/contract signed on XX/XX/XXXX. 
XX/XX/XXXX Sears Home Improvement suspended job performance without notice to contractee, thus failed to complete project. 
XX/XX/XXXX Sears Hone Improvement terminated contract without completion and retained all monies paid towards project. 
XX/XX/XXXX Litigation complaint filed with State of Oregon Construction Board for the contract breach with Sears Home Improvement. 
XX/XX/XXXX State of Oregon Construction Contractors Board mediated on complaint to access the Surety bond of up to XXXX. 
XX/XX/XXXX Sears Home Improvement offered monetary settlement of XXXX for damages. 
XX/XX/XXXX Sears Home Improvement refused to settle on complaint from the liability insurance as proposed. 
XX/XX/XXXX Consumer dispute filed with Sears Home Improvement account, bank note held by CitiBank. Citibank failed to complete dispute timely with processing well over 11 months. 
XX/XX/XXXX Filed claim for litigation through Small Claims court aa directed by State of Oregon Construction Contractors Board. 
XX/XX/XXXX Contacted Citibank dispute department, dispute was still in processing. 
XX/XX/XXXX and XX/XX/XXXX Sears Holdings Incorporated, et al., and all its affiliates including but not limited to Sears Home Improvement , Inc. filed Chapter XXXX Bankruptcy, XXXX XXXX., which imposes an 'Automatic Stay ' on ALL litigation and claim proceedings. 
XX/XX/XXXX CitiBank determined they were unsuccessful in processing dispute, no charge-back from merchant could be attained, and as a result no resolution was achieved even though my account was in good-standing. 
XX/XX/XXXX Submitted an Executive Complaint to CitiBank regarding the excessively lengthy dispute processing time, and the misrepresentation of my Consumer Rights. 
XX/XX/XXXX Citibank response was they have no recourse to recover funds or a resolution on the matter even though my account was in good-standing. 
Total due : XXXX XX/XX/XXXX Citibank billing statement added late fees and interest totalling a payment due of XXXX XX/XX/XXXX Citibank billing statement included a late fee reversal of XXXX even though the fee is XXXX, total payment due XXXX XX/XX/XXXX Settled account with CitiBank for XXXX ; however, CitiBank will not remove late payment notifications to credit reporting bureaus even though the account was in dispute and is in litigation with multiple courts and State Agencies. 

Note : XXXX was notified of the above dispute and worked diligently to assist, however, there are limitations as to the level and nature XXXX handles disputes in reporting.