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

Subject : Second Request for Investigation of Inaccurate Late Payments Reported by XXXX XXXX XXXX XXXX. 

( Fair Credit Reporting Act 15 U.S.C. 1666 ( b ) and 15 U.S.C. 1637 ( a ) ) I am writing to formally request your assistance in resolving an issue with inaccurate late payment reporting by XXXX XXXX XXXX XXXX. This letter serves as my second request after an initial dispute with the credit bureaus and XXXX XXXX XXXX XXXX failed to resolve the matter. 

As a co-signer on my son 's student loans, I am responsible for ensuring the monthly payments are made. Maintaining an excellent on-time payment history is critical to me, and this erroneous reporting is damaging my otherwise flawless credit record. 

The accounts in question are : Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) Account No : XXXX ( Date Opened : XX/XX/XXXX, Last Updated : XX/XX/XXXX ) The issue involves a reported 60-day late payment for XX/XX/XXXX. However, my records indicate that I was : On time for XX/XX/XXXX, Incorrectly marked as 60 days late for XX/XX/XXXX, and On time for XXXX, XXXX, and XX/XX/XXXX. 

This discrepancy suggests that the late payment for XX/XX/XXXX is an error. Under 15 U.S.C. 1666 ( b ) of the Fair Credit Billing Act and 15 U.S.C. 1637 ( a ) of the Truth in Lending Act, I have the right to dispute this inaccurate information. Despite my previous efforts, XXXX XXXX has not provided accurate verification of this late payment, and it continues to negatively impact my credit.
Product: Checking or savings account

On XX/XX/20 my phone was hacked, someone open an XXXX  card and purchased XXXX dollars worth of merchandise at XXXX. I have an XXXX  account but with a different email and on top of that due to my credit I couldnt get approved for a loan I could only use it for shop pay. I know the last transition I made and they also added a XXXX phone to the account and thats not my phone. They also charged XXXX at XXXX XXXX via XXXX as well for then you need to be approved via credit and I wouldnt be approved and the purchase at XXXX XXXX used my email but different shipping address that Ive never used. They also got into my banking account and moved money from my XXXX  account to my account to cover the purchases and I had to ask for help to match the difference to make sure that my XXXX  money was returned to him because due to the charges they used that money and my XXXX  would be out the money until the bank looked into the claim due to this fraud case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX SSN : XXXX DOB : XX/XX/XXXX Re : Creditor/Debt Collector Amount Owed This letter is in regard to a phone call I placed to your company regarding the accounts listed on XX/XX/XXXX ( calling asking for a legal debt validation ). I called to inquire about these accounts that are listed on my Credit Reports. I spoke to a Customer Service Representative. 

She informed me that she was unable to provide me any legal documentation proving that any of the following accounts are legally valid : XXXX XXXX {$18000.00} XXXX XXXX XXXX  XXXX {$5600.00} XXXX XXXX  XXXX  {$580.00} XXXX  XXXX  XXXX  {$18000.00} XXXX  XXXX  XXXX  {$3600.00} XXXX  XXXX {$0.00} XXXX XXXX - SOUTH {$1300.00} How did you investigate this account without any documentation? You havent provided me with anything not even an account number. Its incredibly frustrating because it affects my ability to get a place to live and a job. 

I need this debt validated or remove all information regarding this account from my credit reports. I am not requesting a copy of the credit report. I am asking for proof that I opened the accounts because they arent mine. They belong to someone else. 

If this incorrect information is not removed from my credit reports within 30 days, I will file suit against your company for violating FCRA section 623. I am including a copy of this letter to my attorney. 

I only wish to communicate via mail. Please do not call me. 


Sincerely, XXXX XXXX XXXX Cc : XXXX XXXX XXXX,
Product: Checking or savings account

I have reached out to robinhood in regard to their spend account. my account was debited a total of XXXX dollars from multiple atms and yet I have the actual debit card still and it was never used. This company has no actual XXXX number to speak to someone in regard to this. the only way to speak to someone is to ask for a call back or to discuss this in the chat. I have done this on 4 seperate occasions and there has been no resolution to my situation. I have the dates that this occurred was on the XXXX of XXXX and it started at XXXX XXXX  central standard time.
Product: Credit card

I had three credit cards from synchrony Bank and I had another credit card from XXXX. What happened is one day I applied for a credit line increase on my synchrony bank credit card and I was granted an increase but after a couple of days or almost a week three of my synchrony bank credit cards got shut down, I would like to mention that I had never had any issues with Synchrony Bank. I was a customer for two years a loyal customer and I had paid all my dues all the time in a timely manner. I never had any issues, when they send me a letter explaining the reason why they closed my account, they said that I was posing a risk of not going to be able to pay back my credit card bills, after I received their letter I gave them a call, and I told them that this is unfair because I had always paid my bills. I was never late. I never had any issues. There was not a single problem during the past two years that I was a customer and the letter that they sent was not fair because I never posed a risk of not being able to pay my credit card bills.

My main problem started after synchrony bank. Once synchrony bank decided to close my credit cards, they reported the closure of my cards to the credit card bureau like XXXX and XXXX XXXX and XXXX. once they reported the closure of my credit cards to the credit bureau, my XXXX card got closed as well, so when I called the XXXX bank and asked why did they close my card? they said its because synchrony bank had closed your cards so we are gon na close your cards too. they said you have to call synchrony Bank, and ask them the reason why they closed your cards and then if they decide to reinstate, we will reinstate your card as well, so they were following the decision of Synchrony Bank, and now I am left without any credit cards and until this day, I still dont understand why Synchrony Bank would take a decision to close my credit cards, keeping in mind that I never had any issues with any bank, I was a diligent customer with all the banks that I worked with. I never had any late fees. I never had any issues with the credit bureau with any bank or any credit cards.

I have decided to make this complaint because I feel that this is not fair and they have treated me unfairly, even some of the synchrony Bank employees that I spoke with over the phone, they told me the same thing that they didnt see any risk associated with my account. They just dont understand why would this happen? Why would Synchrony Bank close my cards, resulting in the closure of my other card as well.
Product: Mortgage

the purpose of escrow is to pay debts associated with the real estate property -- taxes and insurance. i have been with PHH since XX/XX/XXXX. PHH is a subsidiary of Ocwen. My entire account information - history, etc - was transferred to PHH for a seamless transition. my first statement from PHH stated escrow balance {$0.00}. My second statement reflected the {$1300.00} escrow balance that was successfully transferred with my account. 

XXXX total insurance and tax expense is {$4100.00}. i understand that during the transition everything stayed the same. however, it is the responsibility of the mortgage company to best estimate expenses. in XXXX my escrow was {$190.00} x 12 months which is a total of {$2300.00} to pay for property related escrow expenses that actually total {$4100.00}. There is a shortage of {$980.00} " The monthly shortage for the next 36 months is {$27.00} and will be automatically added to your monthly payment beginning XX/XX/XXXX. '' unless i can pay the shortage in full within 60 days. 

XXXX was the responsibility of PHH to better estimate my escrow payments in order to have a mutually beneficial relationship. This was our first full 12 months with PHH. 

my XXXX property related expenses that are escrowed for are {$4100.00}. The escrow analysis provided to me on XX/XX/XXXX -- i now have a shortage of {$2400.00}. " The monthly shortage for the next 48 months is {$50.00} and will be automatically added to Your monthly payment beginning XX/XX/XXXX. '' unless i can pay the shortage in full within 60 days. my escrow payment was increased to {$290.00} x 12 months which is a total of {$3500.00}. 

THESE ESCROW PAYMENTS WILL NEVER PAY THE TOTAL DUE ON THE ESCROWED EXPENSES ON THE PROPERTY. I HAVE NO CONTROL OVER HOW THEY ESCROW. I AM POWERLESS. IF I CAN DO THE MATH -- SO CAN THEY. THIS IS ON PURPOSE AND BY DESIGN. 

PHH is a subsidiary of Ocwen. I have a reasonable expectation that matters will be handled in an appropriate manner. I have proven, without a doubt, that PHH has not fulfilled their responsibility as a respectable and responsible mortgager. IT IS PHH 'S RESPONSIBILITY TO CALCULATE ENTIRE YEAR OF EXPENSES SUPPORTING THE PROPERTY. PHH knew that these payments would fall short. PHH did not give me the option to divide entire shortage over the 1 year term as OCWEN did for the last 15 years. this would have been a more manageable solution in this pandemic environment. i believe that PHH has an ulterior motive to eventually repossess my house for lack of payment. 

PHH refers to this as ESCROW ADVANCES. Customer service rep said to me " WE PAY YOUR BILLS AS A COURTESY TO YOU. '' THE BEST COURTESY TO ME WOULD BE TO ACCURATELY ESTIMATE ESCROW MONTHLY PAYMENTS OVER 12 MONTHS TO PAY THE BILLS WHICH IS THEIR RESPONSIBILITY. Mortgagers insist on paying these bills because until the loan is paid off, the mortgager owns the property and has a vested interest in ensuring that these bills are paid. THIS IS DISGUSTING. 

PHH SHOULD BE AUDITED TO PROTECT EVERY MORTGAGEE FROM THEIR PREDATORY PRACTICES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I sent certified letters to all 3 credit agencies to for the correction of my credit report. I informed them that XXXXXXXX XXXX has lied on my credit file by saying I was 180 days late which is not true. I graduated from that scam school in XXXX and I had subsidized and unsubsidized loans. This school had loans saying I received and I didnt know anything about these loans. In XXXX, I filed a XXXX XXXX and switched to a XXXX XXXX in XXXX to wipe everything out. Its showing on my credit report I was late from XXXX until XXXX. When I sent information to the credit agencies particularly Experian, they are saying the information is correct but its not. They said verified but if the school has been sued why would they tell. They have a habit of lying practices and this is another scam against former students who couldnt get a job in their field after graduating. Im trying to purchase a home and this mess is on their affecting my credit score. Thank you for reading.
Product: Bank account or service

I opened a chase checking account in 2005. After Chase proposed me an overdraft protection and sent me a credit card connected to my checking with {$1500.00} credit on that. on the same year I used it for a plane ticket and other. To avoid late payment I set up an automatic payment of {$45.00} on the due date. Since 2005 I have been paying that amount, my credit balance never went down. Last month XXXX, I decided to watch that account closely. I paid {$150.00} over. This month, XXXX, that 's exactly what I got in the available credit to use. I went online to see, I found that they cut me {$32.00} interest on purchases every month. I called them to ask them about that. Their answer suggests that it is normal. The {$32.00} interest charge can only go away if I pay their balance in full in one month. 
Concerns : -Do we use credit cards to pay them in full in one month? 
I see many of the credit cards having an APR, an annual interest percentage they cut once a year. And every month we pay some service fee of less than {$10.00}, and some transaction fees when paid over the phone. 
XXXX Paying {$32.00} interest for purchases every month. what is my APR? 
_With {$1500.00} debt, over XXXX years+, I have paid a little more than {$5000.00}, I f I continue to pay the minimum, I will pay this debt off in XXXX years they said. How much will they be getting from me? 
-I do n't think I signed for that kind of credit card. 
-They gave me this credit card with ease, telling me that it 's an overdraft protection. Now I do n't think so. I believe it is a trap to make me owe them all my life long. This is a ponzi skim to get XXXX from people.
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 rights to privacy and confidentiality under 15 USC 1681. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number XXXX XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXXXXXX XXXX XXXX Account number : XXXX Account XXXX : XXXXXXXX XXXX XXXX  Account number : XXXX Account XXXX : XXXX XXXX XXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 instructions 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 item 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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Debt collection

The actions against me was taken by XXXX XXXX XXXX XXXX, who has now sold the debt to Meridian Financial Services for XXXX, and XXXX. This is a time share in XXXX, XXXX, that I have NEVER owned, NEVER used and has probably been sold to several people. The event was in summer of XX/XX/XXXX-XX/XX/XXXX ( approx. ) I cancelled this account approx. within a few months due to unforeseen circumstances of me loosing my job and loosing my home. They ( XXXX XXXX XXXX XXXX ), is famously known in the time share world as a scam and a fraud. They will promise you the world and deliver nothing. As much as you try to speak to somebody to cancel, they ignore you and threaten to send you to collections if payment isn't done in full. I called and even went to an office in XXXX, Nevada, and they said they would cancel it ( this was in about XX/XX/XXXX ) and they ( XXXX XXXX XXXX XXXX ) has now has placed 2 collection accounts on my credit report, ( XX/XX/XXXX ). These prohibit me from being able to rent a home or an apartment, requiring me to have a cosigner. Both of the accounts placed on my credit report are the same people, same company for different amounts. Why different amounts? I am unsure.This also had me in a tight spot on purchasing a vehicle. I need to know how I can correct this, and have it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

DT credit for a car is on my XXXX  credit report. I never did this!
Product: Debt collection

World financial Corp said that I am not in their system so I ask that they remove this debit from all XXXX credit bureaus immediately. No record of my name so please remove that item
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I reached out to ALLY Auto Finance letting them know that XXXX XXXX XXXX XXXX XXXX XXXX brought my car and I was no longer the owner of the XXXX XXXX XXXX with XXXX # XXXX in which was traded on XX/XX/XXXX. Ally Finance reported to XXXX, XXXX, And XXXX that I was XXXX days late on my payment in which this reporting is inaccurate, I have always been in " good standing '' with my auto loan with ally finance since buying the car and I want this reporting deleted and or updated to on time payments and " Paid as Agreed '' because it is not acturate please update this admittedly on my credit report.
Product: Credit reporting or other personal consumer reports

Im writing because the inaccuracies on my report are not only frustrating but also damaging. My score has been negatively affected, and its closing doors for me. I shouldnt have to keep correcting information that shouldnt be there in the XXXX  place.
Product: Checking or savings account

XX/XX/2019, I received a money transfer ( USD XXXX ) via XXXX from a buyer ( Ref # XXXX ) to my Wellsfargo checking A/C due to a purchase transaction ( I was the seller ) XX/XX/2019, I checked my Wellsfargo online checking A/C and found there's an unauthorized money withdrawal of USD XXXX from my checking A/C by Wellsfargo. I did not receive any prior notification from Wellsfargo about why they withdrew money from my A/C XX/XX/2019XXXX I made a phone call to Wellsfargo customer service hotline XXXX and then the representative transferred my call to the Fraud department. A Fraud department representative picked up my call and I told her what happened and she said she is after-hour representative and she jot down what I told her and asked me to call back the next day. I asked why Wellsfargo withdraw money from thy bank account without my authorization or any prior notification. I also told her I want to file fraud report and complaint. I should have been protected by Fraud protection plan of Wellsfargo. She gave me a case number XXXX. 

XX/XX/XXXXmorning I made a phone call to Wellsfargo customer service hotline XXXX and was transferred to the Fraud department again and a representative names XXXX ( female ) picked up my call. I gave her my case number and asked for any updates regarding my fraud report. She told me there is nothing Wellsfargo can do and I am not protected by Fraud protection plan and my fraud report case was closed I asked her how come Wellsfargo did not ask for any information from me for fraud investigation and closed my case in less than 1 day without any investigation. She told me Wellsfargo withdrew money from my bank account because Wellfargo received correspondence from XXXX XXXX XXXX Bank that the electronic transfer of XXXX into my Wellsfargo bank account was claimed to be fraudulent. 

I told her this is not true because this person purchased an item from me and that's why he paid by transferring USD XXXX into my bank account as a payment after I gave this person the item. 

XXXX from Wellsfargo Fraud department did not provide any support to me and just told me that there's nothing Wellsfargo can do and case is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spotted some discrepancies between reality and what happened in such credit report. Being said that, I did not apply for a Capital One credit card in the last 6 months. So Capital One Inquiry on XX/XX/2022 is not resulting from my personal action.
Product: Credit reporting or other personal consumer reports

I discovered incorrect accounts on my credit report this morning and I don't understand why. My usual credit report check revealed unexpected discrepancies this time. I tried refreshing my browser, hoping it was a technical error, but the inaccuracies remained. I request a thorough examination of the documents I provided to ensure this issue is resolved and I can stop worrying.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/2021 Since then the account has repeatedlyy been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active paymentt history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account property and your neglect has violated my rights. I am demanging a deletion of the following account : Accounts Name - Account Number
Product: Debt collection

This is my second complaint to regarding this collection account. I do not owe XXXX/XXXX {$890.00}. I called ERC with the orginal creditor XXXX/XXXX   XXXX last week. The representative also stated that I do not owe that amount. The rep my wife spoke with at ERC refused to remove account from my credit report even though he was told the information ERC was furnishing was incorrect. At this point you all are intentionally not only trying to collect a debt that I do not owe, but you are also knowingly reporting inaccurate information to all 3 of my credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

tried removing wrong address with Experian, they have a XXXX XXXX XXXX that is not mine
Product: Consumer Loan

Santander has been charging me unreasonable amounts of interest when a payment is late, to the tune on {$300.00} per month. I was not informed of this practice at signing, or ever after, until I noticed my loan had not decreased XXXX dollar in 6 months. Also, their obscene 24.99 % rate is undue hardship on me. I believe that XXXX and Santander have an inside deal which has XXXX steer consumers toward these bad loans, because they know in the end they will just have the same car on their lot to resell. 

Santander is disguising outrageous late fees within " simple '' interest, and it is unfair and unjust. XXXX is no better, the agent who sold me the car told me to put higher income than I made, then turned around and gave me the worst loan available.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Day, I am XXXX XXXX XXXX and the reason I am reaching out is to complain about TransUnion and for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.