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

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am worn out of sending dispute letters to Experian requesting that they correct these mistaken accounts being stated on my Credit File because they have been doing nothing! This complaint is to follow up on my prior protests and letters I submitted on XX/XX/2022, and to notify them that I am halfway through taking lawful action and litigating Experian for their headstrong nonfulfillment of the FCRA statute. Only if they took time to update and correct the accounts on my Credit report, then I may halt filing proceedings against Credit reporting agencies. The accounts that should be adjusted are as follow : XXXX Bank XXXX, XXXX Bank XXXX XXXX, XXXX XXXX  Card XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I recently became aware of an entry on my XXXX report. I moved from California in 2010 and advised the post office of my change of address. The agency purports that I owe money for services I do not recall having. I asked for the original creditors name and phone number and was refused. Additionally, the phone numbers they claim to have reached me on are all not mine. When I disputed this with the creditor and asked that they show proof, they re-aged this account on my credit report. They failed to report this as a disputed account FCRA Section 623 as well as re-aging my account. 
I am asking Experian to validate this purported debt and remove from my report.
Product: Mortgage

I have a mortgage with BB & T. When I first got my mortgage 4 years ago, I immediately discovered that BB & T does not apply interest correctly. We pay our mortgage in excess each month, spread out over 2 payments. BB & T uses a suspense account and does not apply our payment timely. This is a violation of Federal Law {$15.00} U.S.C. 1639f. It is also a violation of the mortgage agreement that I have with BB & T which only allows for the use of suspense accounts if the loan is not current. My loan has never not been current. 4 years ago I reached out to CFPB about this issue and BB & T promptly corrected the issue. At that time, BB & T admitted that their system was not capable of processing the payments correctly and that I just needed to call to have it done manually. I reached out in XX/XX/XXXX of this year and asked them to correct 4 years of payments. I also have found a discrepancy in terms of how BB & T accounts for the Escrow payments. The total balance of my Escrow account does not match the total on my annual escrow statement. 2 forms prepared by BB & T do not match each other. BB & T owes me somewhere in the neighborhood of {$5000.00} based on how the interest is applied. It's been 2 months and BB & T has not gotten back to be despite promising to do so. My contact at BB & T is XXXX XXXX, she is very nice. The person she passed my issue off to has not responded. 

I ALSO BELIEVE THAT THE CFPB SHOULD INVESTIGATE BB & T BECAUSE OF THESE ISSUES. IT'S VERY LIKELY THAT CONSUMERS ARE BEING TAKEN ADVANTAGE SINCE BB & T CAME OUT AND ADMITTED TO ME THAT THEIR SYSTEM DOES NOT COMPLY WITH FEDERAL LAW.
Product: Debt collection

Hello, my name is XXXX XXXX XXXX. Here 's the issue - I have a delinquent credit card with Wells Fargo. About 15 years ago, I opened a checking account with Wachovia ( account ending XXXX ). My sister, XXXX XXXX XXXX was added to my checking back 12+ years ago for convenience. I branched off and opened a different primary checking with another financial institution. Subsequently, around XXXX or XXXX, I opened the now delinquent credit card ( account ending XXXX ) and was pitched to open another checking account with Wells in order to receive the Wells credit card. Unfortunately, a divorce caused me to cancel the primary checking w/Wells Fargo and then began to struggle with credit card payments. For more than 12+ years, XXXX XXXX has maintained the Wachovia checking account ( account ending XXXX ) and has remained in good standing. I do not have access to the account ( no debit card, no related transactions whatsoever in more than a decade ). She has had direct payroll deposits into this account and all her financial dealings through Wells Fargo. On XXXX/XXXX/XXXX Wells Fargo took her entire paycheck, forcing her into financially compromising position. Wells justified its actions by stating because I was listed as primary on the checking account, it has full authority to take my sister 's funds to pay my debt. She has been an excellent customer for Wells Fargo. Wells was very clear that they were not taking XXXX funds, but XXXX entire balance plus her payroll direct deposit. This is not a fair or ethical practice. They have crippled an honest customer that never had anything to do with the delinquent credit card. She never had a card in her name or made a single charge relating to this debt. Now, however, she has been punished. What type of recourse do we have? Should we get an attorney? Wells ' ethical statement reads : Wells Fargo 's reputation as one of the world 's great companies for integrity and principled performance depends on our doing the right thing, in the right way, and complying with the laws, rules and regulations that govern our business. We earn trust by behaving ethically and holding all team members and directors accountable for the decisions we make and the actions we take. The Code of Ethics and Business Conduct ( PDF ) serves to guide the actions and decisions of our team members, including executive officers, and directors consistent with our company vision and values.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi there, I have had issues with Trans Union not accurately reporting positive activity on my account. 

My score dropped XXXX for 1 late payment and when I made a payment to catch up on the payment it was immediately not shown positively on my account. I also noticed this for XXXX too. I should have gotten points for paying down my credit cards which still shows that the cards were not paid down. And I should be given positive points added to my credit score reflecting this because I am working on building better credit so I can have fair housing. 

I also noticed that XXXX did the same thing I paid down 3 different credit cards and positive activity was only given for one card. And for Transunion no positive activity was given. Not having my positive paying reflecting on my credit does not allow me to have fair housing opportunities because of a low score when I hardly have credit and is making efforts in paying down debt to receive positive score.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my TransUnion Credit Report, I have three hard inquiries listed ; however, two of these inquiries are for the same home loan. " XXXX '' inquired on XX/XX/18 and " XXXX XXXX XXXX '' inquired on XX/XX/18. These are just about within a week of one another and were for shopping for a good rate for a home loan. From TransUnion 's own website on " Credit Score Myths '' they state " If youre shopping for a loan and concerned about harm to your score, know that multiple loan inquiries within a period of a few weeks are usually treated as a single inquiry to minimize impact. '' That is exactly what was done here, yet my score has been impacted negatively for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been nearly three months since I first reached out to XXXX, XXXX, and XXXX  about fraudulent activity pertaining to credit file. I have sent XXXX, XXXX, and XXXX  several pieces of supporting documentation to validate my claim. I still have the same fraudulent addresses reporting on XXXX, XXXX, and XXXX   after I specifically sent a notarized request asking them to be removed. Several inquiries still remain on my XXXX, XXXX, and XXXX   report. I submitted an report from the Federal Trade Commission which included all of the accounts in question. XXXX  recently sent me a response requesting that I send in a copy of my drivers license, social security card, etc for identity purpose. I was sure to include all of those documents with my initial dispute and after speaking with a representative I was informed those documents had been received which makes this letter or automated response inaccurate. My rights under the Fair Credit Reporting Act have and continue to be violated and the bureaus must be held accountable per section 605, 609, and 611. Accounts XXXX   XXXX XXXX XXXX, XXXX XXXX, and NCB Management were never established or opened by me and are the direct result of identity fraud and or theft.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX this unknown person claims I owe them {$580.00} So they reported that negative mark on my credit profile. 
According to 15 U.S.C.1692 ( c ) You have VIOLATED my RIGHTS by unlawful COMMUNICATION.

PLEASE Remove this Collection off my Credit Report Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  ACCT XXXX {$1000.00} is reported as a Charge Off. I have contacted them and the credit bureaus directly. No one has provided an original signed contract or any identifying documents such as my ID since the multiple requests. They want my information, rather than proving this unknown debt to me. Furthermore, who calculated the debt and how it was calculated. The credit bureaus response is to contact the agency, rather than investigating, they toss the issue back to the agency who then continues to report erroneous information.
Product: Credit card or prepaid card

Dear CFPB : I have been a longtime user of Chase banking service. On XXXX XXXX, XXXX, I had decided to close a Chase XXXX credit card account as it was redundant with other accounts I had with Chase. 

Two months after this event on XXXX XXXX, XXXX, I realized I am missing more than XXXX of Chase Ultimate Rewards ( UR ) points. Ive earned these cash equivalent loyalty program points of Chase by opening up a new credit card account, paying a large amount of annual membership fee, and spending of specified dollar amount during given time period. What I did not realize was that these points were individually synced to each card, not collectively to my Chase bank profile. Moreover, without informing me, the points I earned through the card disappeared 30 days after I closed the account. 

I had a phone conversation with the Chase customer service center as soon as I realized this incident on XXXX/XXXX/XXXX. The customer service representative tersely replied to me that the points were discarded per their company policy. Though she confirmed that the amount of discarded points still could be seen on their electronic system, she said she would not do anything. I further emailed the Chase customer service through their message system to see if I could recover my point. They repeated simply telling me per their company policy, they will not help me recover the point. I contacted several other customer representatives to discuss the unreasonableness of the incident, however, the attempts were futile. 

The amount of points I lost due to this incident is a little greater than XXXX. What particularly disappointed me was that Chase bank did not try to actively inform or warn me about the less known rules of their loyalty program. It was merely mentioned in fine print in the middle of long documentation I received from them through Chase online message system. Absolutely no further notifications were given until and after they completely discarded my hard earned points. They never notified me further about this before discarding my points. As I have multiple other accounts with Chase, had I simply been more promptly notified, I would be able to keep these UR points by transferring them to another card account. What kind of a banking service volunteers to discard what is equivalent to {$1500.00} that belong to me without even making some attempt to tell me about this?
Product: Credit reporting or other personal consumer reports

I am writing for XXXX ( XXXX ) reasons : XXXX. To dispute certain information in my credit file ; and 2. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information XXXX XXXX XXXX XXXX
Product: Credit card

I paid {$200.00} less on XX/XX/2022 statement. I was charged interest of {$58.00} due to this underpayment. I object and dispute this finance charge. I also understand that this unreasonable interest charge calculation method may have been on the terms in small prints when we signed the credit card agreement. I spoke with XXXX  ID # XXXX. She made me understand that this charge will not be waived and will continue to accrue finance charges until my account is paid in full. This is not right, and I need to know how they arrived at this amount. Interest can be calculated only on the amount owed.
Product: Debt collection

I got an automated message asking me to call XXXX. When i called the number a gentleman asked me for my number. I asked him who I was contacting and he said United Recovery Solutions. I asked him what they do and he said Collections. I gave him my number and he said it was in regards to an account with XXXX. I asked him how old the debt was and he said 6 years. I knew that debt was more than 12 years old so I informed him that that debt was more than 10 years old. The gentleman started calling me a bad father and a " XXXX '' for hiding behind the statue of limitations and said he will call me constantly about this debt because I ca n't stop him. Is this a violation of the FDCPA?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have call lexis nexis they provided with a letter that they deleted the chapter XXXX from t their data base XXXX got it from them no I show them proof an they dont want to deleted they say I have to go to court an get a letter how can they report something that got deleted an is not verify please thats illegal make them deleted it right away they putting excise I have done this already an they dont care they just reply to you guys with lies
Product: Payday loan, title loan, personal loan, or advance loan

I recently tried to get a personal loan from Sofi bank on XXXX.I made a mistake in the choice I made.Instead of getting the personal loan I wanted. I ended up with a refinance of a personal loan that I already had. Once I realized that the refinance wasnt what I wanted. I called Sofi back onXXXX and talked to a customer service person of the error. The representative stated that once the loan is funded there was nothing I could do. First of all I just confused with all the different options through the automated system. Very confusing! 
The sad part about the whole thing was this process caused me to put in a worse situation. 
My original interest rate was XXXX percent. Through the refinance process I now have XXXX interest rate. I truly feel that Im a victim of predatory lending. My first payment isnt till XXXX.I am extremely disappointed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Discover card company filed a dispute chargeback in XX/XX/XXXX. There was fraudulent activity on my account and the issue was resolved in my favor however the chargeback was reported to all the credit bureaus and my score dropped 40 points as a result thereof. 

I called Discover card immediately upon finding this out in XX/XX/XXXX. Discover said that they sent a letter requesting for that to be removed to all 3 credit bureaus. I see that my score is still not reflecting this correction. 

How do I get this removed? Discover has sent another letter today and said all three bureaus should be receiving it within 24 hours. Please advise.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX Balance Owed : {$130.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting

Equifax is reporting XXXX XXXX XXXX this was paid in full they sent me the title to my car 4 weeks later and I sold the car 4 months later with a clear title. Then I fine XXXX XXXX XXXX saying I owe them money that is impossible I paid this and already sold the car. Please help me get this deleted
Product: Bank account or service

XXXX XXXX XXXX ordered something on XXXX internet and the chase bank operator said i had enough money in the account i ordered somthing from XXXX and i maid sure there was enough money in the chase acount the item was not sent i im pretty upset
Product: Credit reporting, credit repair services, or other personal consumer reports

Filing a complaint against Equifax for failing to respond to disputes/ method of validation request.      XXXX  Sent a letter requesting immediate removal of several accounts that are listed inaccurately/ I was unaware of.These accounts should not have been on my credit report as they were not accurate/ complete information. Most of them were even missing the company 's name. There were  six  accounts/ sets of accounts listed ( please see letter  XXXX   XXXX  Received a response from Equifax which  XXXX  isted all the accounts as " We verified that this item belong s to you  XXXX  Sent a letter to Equifax requesting method  of v erification as I completely disagree with the results they stated on  XXXX  **** Waited 15 days- no response****  XXXX  Sent a letter to follow up on my " method of verification letter ''. Requested that accounts were immediately deleted due to their inability to respond within permissable time frame.     To this date,  XXXX   XXXX ,   XXXX  , I still have not received any type of response from Equifax.
Product: Debt collection

This debt was paid XX/XX/XXXX. I received an alert that there was a debt added to my credit score. I did not receive any communication from Rent Recovery Solutions under my name, XXXX XXXX. 

This is a joint account with XXXX XXXX. XXXX XXXX and I disputed the debt and sent four types of proof, certified mail to Rent Recovery. Along with proof, we sent a letter requesting proof debt from Rent Recovery.

Rent Recovery never responded and sent the wrongful {$300.00} debt to the credit agencies without providing proof. We tried calling Rent Recovery two times on XX/XX/XXXX, we were told a supervisor would call us back about the incorrect debt. It is XX/XX/XXXX, nobody has communicated with us since.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized credit inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that EXPERIAN, XXXX AND XXXX initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unauthorized inquiries as soon as possible : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

This is the 3rd complaint ( CFPB - XXXX and CFPB = XXXX ) that I have filed regarding Wells Fargo 's management of my mortgage loan. 

On XXXX XX/XX/XXXX, I contacted Wells Fargo to determine why I was still being charged PMI and spoke to XXXX XXXX ( XXXX - x XXXX ) and Ms. XXXX advised that based on my loan balance I had well more than 20 % equity in my residence and she was not clear why I was still being charged approx $ 119 monthly. she contacted the WF PMI department and was told that they were still charging the fee because of late payments in XXXX and XX/XX/XXXX. I advised Ms. XXXX that I have never heard of any criteria for requiring PMI other than the 20 % equity. I further noted that I had made timely payments for XXXX and XXXX of XXXX. Ms. XXXX called me to advise that the Executive Office had opened a case number XXXX. 

Regarding the XX/XX/XXXX payment, as detailed in the chronology I provided with the first CFPB complaint, I explicitly followed the instructions provided to me on XXXX XX/XX/XXXX by XXXX in Wells Fargo Special Loans Department and made a very large principal payment on on XXXX XX/XX/XXXX and advised the Wells Fargo XXXX XXXX ( XXXX ) to call the recast department for instructions regarding how to process my check which was both payment of the XX/XX/XXXX statement and principal payment. XXXX did not contact the Special Loans Department per XXXX 's instructions. XXXX erroneously applied the full balance of the check to principal payment as I stated in my written correspondence to WF dated XXXX XX/XX/XXXX and I was timely in making my XX/XX/XXXX payment, however WF erroneously processed the payment. 

Regarding the XX/XX/XXXX payment, per correspondence from WF, my loan recast was effective on XXXX XX/XX/XXXX and my new mortgage payment was {$1000.00} and WF has acknowledged receipt of a check for that amount on XXXX XX/XX/XXXX.