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

I have been a XXXX  XXXX  customer for two years and have never had an issue. My account was always on autopay and then my account was disconnected from XXXX without notice and I logged into make a manual payment in XXXX of 2023. In XXXX or 2023 I received an email stating that my payment due was XXXX cents ( meaning no payment due ). I didnt make a payment because it said I didnt need to make one, I turned on autopay again and then once again it disconnected. I messaged customer service on XX/XX/XXXX when I realized my payment didnt go through and that my account wasnt updated again. I received a 1 day late payment notification that same day as well, once customer service assisted me on XX/XX/XXXX I logged in and made double the payment. I just got notification that XXXX  has reported my account as 30 days late with a payment being late in XXXX. I attempted to reach out to customer service to make the payment once I realized my account disconnected again and didnt update properly. I am not sure how I am being reported as 30 days late in XXXX when just two weeks ago I received a one day late notification. XXXX is having multiple issues with account information, many users are having the same issue as me and have wrote all over social media and XXXX. I reached out to XXXX  and they didnt even acknowledge my email about having my late payment removed from my credit report. Their customer service is very slow and there is no way to contact anyone on a phone. My husband and I are about to lose a mortgage on a house we are buying due to XXXX  and their inaccuracy with their emails, issues with bank account connection information on their app and lack of customer service. Also, when I initially signed up for XXXX  my credit agreement said there would be no annual fee, now all of a sudden they charged a {$65.00} annual fee to customers without warning, which seems to be a breach of the contract and agreement terms I originally entered. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8800.00}, {$1400.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 2. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im XXXX I notified our mortgage company Carrington mortgage that my husband had passed away on attempted to make a purchase from XXXX XXXX which was denied I contacted XXXX XXXX  credit card and was told that on XX/XX/21 they received notice that I was deceased so they closed my account I provided them al my info at which time they reopened my account but would take 30 days and I should call XXXX  since they are the one whom notified them I called spoke with them they filed a dispute and all in one day filed it investigated and closed it they sent me by mail a notice that they corrected it and I was no longer marked as deceased. Not sure if date but it was in XXXX  I received notice that my homeowners insurance for my XXXX  home had been cancelled due to me being deceased I called my insurance agent he contacted XXXX  and told them I was not deceased so they redid my policy using XXXX for score and since they didnt show one on me my insurance policy cost me double the amount causing a shortage in my escrow account. 
I again called my mortgage company at least 4 times and finally this time is when o was told that they are the ones that made me deceased and not my husband and they are the reason for all of my headaches I was again told to fax the death certificate to their research dept so they could fix the problem. On Saturday XX/XX/XXXX I received a call from XXXX  at Carrington telling me that they have fixed everything on their end and that credit report will go out to XXXX  on the bill XXXX and they will make correction on their end then today the XXXX of XXXX I received a call from XXXX at Carrington tell me that it will be at least 60 - 90 days before this mess will be fixed because the previous person at Carrington told me to refax my husbands death certificate and it caused another dispute to be open!!! This has made my life a nightmare can you please help to get me??? 
Thank you
Product: Debt collection

I canceled my service with XXXX and switched to XXXX. I have the chat printout of my cancelation. 
However, XXXX kept on billing me cancellation. 
I paid all my bills as long as I XXXX XXXX XXXX many years ) on a timely basis, but I am not ready to pay for a period of non-service. 
I contacted XXXX, asking why I am being billed after canceling. XXXX stopped billing, but transferred the account to XXXX XXXX XXXX XXXX XXXX XXXX 
I contacted XXXX XXXX XXXX, XXXX with the same and they stopped billing. But they transferred the account to SOURCE RECEIVABLES MNG ( XXXX ). 
I contacted XXXX and provided them with copies of my chat to cancel, but instead of addressing the issue, they keep flagging my account on XXXX  and other credit reports. This causes me tremendous damage as I try to obtain financing in these trying times. All I ask is either XXXX  should get back to me explaining why they believe that I owe anything after I canceled my service, or they should stop harassing.
Product: Credit reporting or other personal consumer reports

Ive recently checked my credit report and notices some inaccurate accounts reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was discharged from Chapter XXXX in XXXX of 2018, I have disputed these accounts to be updated correctly on my credit reports, and they have not been updated to show a XXXX balance and included in bankruptcy. We are not approaching a year after this case was closed and still no updates. The following accounts need to be updated to show a XXXX balance and included in bankruptcy : XXXX XXXX XXXX Auto Loan-Balance showing $ XXXX-updated to XXXX balance included in bankruptcy XXXX XXXX XXXX Auto Loan-Balance showing $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX Credit card-showing as charged off-update to show included in bankruptcy XXXX XXXX XXXX Credit Card- shows a balance of $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance included in bankruptcy XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX/XXXX  XXXXXXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXXXXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX XXXX/XXXX Credit Card-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX Line of Credit-shows as a charge off-update to included in bankruptcy XXXX XXXX Line of credit-shows as a charge off-update to included in bankruptcy XXXX XXXX XXXX XXXX-shows as a charge off-update to included in bankruptcy XXXX XXXX XXXX Collection Account-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX Collection Account-shows a balance of $   XXXX-update to XXXX balance and included in bankruptcy XXXX XXXX XXXX   Collection Account-shows a balance of $ XXXX-update to XXXX balance and included in bankruptcy.
Product: Debt collection

Never received letter notifying of placement of debt with their office. 
beginning in XXXX : Received repeated phone ccalls from Miss XXXX. 
was told the only way to dipute was foor me to mail in letter. 

XX/XX/XXXX mailed dipute, with attached emails ( 10 pages ) and photos ( 5 ) and copies of adds ( 5 pages ). Included state statute that would make this an illegal debt. 

XX/XX/XXXX : Miss XXXX advised she would reporting me and co debtor ( XXXX XXXX ) to the credit bureau regardless of the dispute. 

XX/XX/XXXX : she advised that she did not care if there was not a judgment or writ, she was turning us in anyway. 

XXXX : letter from company saying dispute was not valid. 

XXXX XXXX calls from Miss XXXX ( called back twice ) XX/XX/XXXX call from miss XXXX XX/XX/XXXX : notified I would not pay, this was not a judgmen, she advised they were reporting to the credit cureau unless and until I pay the balance in full. She sais I would need to sue THEM.
Product: Mortgage

I lost my job and fell behind on my mortgage payments in XXXX and XXXX 2014. I have been making payments since XXXX and Greentree rep told me that they would review my account for deferment program since I was only 2 months behind and had been making steady payments. I sent them the requested documents and called 2 weeks later to find out status. They told me they were missing the hardship letter and also that the pay stubs would now need to be more current. I asked if they needed updated bank statements as well and they told me no. I sent updated pay stubs and the hardship letter again.I called a week later and they told me they got the pay stubs but not the hardship letter and that I had to send it again! They also told me that now they also needed bank statements to be updated because in the delay in receiving all the paperwork. I explained that I did not cause the delay and that I had no control over their companies negligence in losing the same document XXXX times!!! I then asked them why I was not getting anything In writing about this entire matter but lots of other notices involving the default etc. they put me on hold and then never got back on the phone to discuss my concerns. I feel that I am being jerked around and the fact that they are not putting anything in writing about this deferment offer seems suspicious. I do not feel comfortable sending any more documents until I have something in writing stating what is needed and the purpose of such documents because for all I know they may be using them for foreclosure purposes and have no intentions of rectifying this matter.
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 XXXX XXXX XXXX. 

Convergent Accounts : XXXX XXXX, XXXXXXXX XXXX XXXX  and 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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX I have filed a number of disputes regarding my students loans on the XXXX  credit report. Ive also contacted XXXX  XXXX XXXX regarding this issue and theyve reported in writing that there arent any disputes in their systems on my account. The initial dispute was filed to get the payment amounts updated. Once this information was updated correctly I was informed by a CSR that I would need to file another dispute to requesting the removal of the dispute language found in the comments/remarks section of my credit report. The dispute language has continually caused me to be denied for home loans resulting in more inquiries on my report. I have contacted Transunion and XXXX several times and they cant seem to solve this issue properly. I need this information corrected so that I wont be denied again.
Product: Mortgage

Pursuant to a previous complaint that was filed because they failed to timely pay our property taxes, which they held in escrow, Dovenmuehle Mortgage paid the taxes and, from their own account, the penalties, closed our escrow account as of XX/XX/2021, and promised to return the funds remaining in our escrow account ( {$3900.00} ) to us. They have not done so, apparently because they mistakenly submitted a second property tax payment, and claim they can not get a refund until XXXX. Even if they have to wait until XXXX for the refund, which is not confirmed by the XXXX County Tax Office, we should not have to wait for our funds because the mistake was theirs and the refund will be paid to them.
Product: Credit reporting or other personal consumer reports

Experian is violating my rights as a consumer. I have multiple occasions given them notice that they are reporting unverified, unvalidated, inaccurate, incorrect information to my credit reports, credit files, data bases, and affiliates of Experian. By continuing to report this inaccurate, unverified, unvalidated, incorrect information ; they are willfully violating my rights. 15 USC 1681 ( a ) ( 4 ) says There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. By not protecting my privacy, and choosing to not delete the requested name identification numbers XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX after written and verbal request had been received, they are in dishonor of their grave responsibilities. By choosing to ignore, and not delete ; the inaccurate, incorrect, unvalidated, unverified, incomplete information that is reporting on my files. They have had opportunities to remedy these issues and have refused to act. 

I previously requested on this information be deleted on XXXX / XXXX / XXXX by letter XXXX / XXXX / XXXX by letter XXXX / XXXX / XXXX by phone, spoke with supervisor XXXX / XXXX / XXXX by letter The documents I have attached to this complaint prove that I have previously disputed this information. Before and after the results of these request the inaccurate information is still reporting and is still currently reporting. 

Credit Report # XXXX is after speaking with supervisor on XXXX / XXXX / XXXX Name Identification Numbers still Reporting XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX Credit Report # XXXX on XXXX / XXXX / XXXX after dispute results Name Identification Numbers still Reporting XXXX XXXX # XXXX ; XXXX XXXX XXXX # XXXX
Product: Vehicle loan or lease

I have had a loan with Ally Financial since XXXX, XXXX and it has been an awful experience. I have fallen behind a few times but I was hacked ( not sure of the origination of being hacked ) around the same time I purchased the vehicle and it has been nothing but trouble since trying to deal with all of that and other issues. I 've also lost XXXX jobs in the time I 've had the loan and it 's been a little bit of a challenge. However, I always make payments at least monthly ( aside from this time period ) and do my best to get caught up. If I am late, I make it up by paying bi-weekly to get caught up. 

At the end of XXXX or beginning of XXXX ( XXXX ) I called Ally to let them know that my XXXX XXXX payment would be late. The representative said instead of making the payment late I could defer. I did n't really want to do that but he seemed adamant about it, so he set it up. We had also moved and I was waiting for the letter detailing the deferment to make the payment which I assumed would be XXXX. Ally does not tell you the date, only that you have 10 days from the date of the letter to make the first payment. I expected this to be XXXX. On XXXX I received a call from my father wondering why my auto company was calling him. I called Ally and they said that it was because I had no number to call which is not true. The only number I have ever asked Ally not to call was my work number. Then the representative began demanding payment stating that I had not honored the deferment and that it needed to be paid now. I explained I thought and was pretty sure I had been told I could pay by XXXX but he said it was due that day, right then. I hung up because he was so rude. I called back and the lady who I got was just as rude and I told her that if they would not honor the original arrangement I would have to split up payments bi-weekly. She refused the arrangement. I have been trying since to make an arrangement I can work with and they will not help me. 

Today I spoke with XXXX XXXX who said that she can not gurantee anything even if I pay on XXXX XXXX. They are being awful. They denied my payment arrangement and now are making all kinds of excuses to not help me. 

I have had so many problems with this company it is not even funny. I will not be treated this way. The account was in good standing to the best of my knowledge when this happened.
Product: Credit reporting

Experian continues to report my current address as XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Tx XXXX. I have never lived at this address and I disputed this with Experian, but Experian did not correct this error. None of the other credit reporting agencies list this address at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 2 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and is listed on my credit report : .XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2019 Balance {$17000.00}
Product: Credit reporting

Disputed bankruptcy reported on credit report. Was advised the information would be removed. After several months the information remains and negatively affecting my credit report.
Product: Debt collection

XX/XX/2021 : I was contacted by a " private number '' and did not answer. When I retrieved the voice mail they left it stated it was from a firm attempting to file a case against me in my county regarding a " dispute over a broken contract ''. I called back the number left by the caller and an XXXX XXXX answered. I asked what this was in regard to and again got a very vague response regarding a broken contract dispute. I was only given the information about said dispute after providing the last 4 of my social. She stated it was due to a payday loan with XXXX XXXX XXXX. I have been the victim identity theft in the past and am therefore very careful about calls such as this. I asked the name of the company and was given Alliance. I asked for written proof of the contract that was said to have been broken or of the loan itself and was told that since this is not a " collection activity '' that does not have to be provided. This is against the Fair Debt Collection Practices Act. They also threatened to contact my employer and family, send their " compliance officer '' to locate me at " every possible location '', and ruin my credit. 

XX/XX/2021 : Received an almost identical voice mail from another private number, this time the caller identified themselves as XXXX XXXX. Did not call back.
Product: Consumer Loan

I applied for a loan many times with Rise Credit and they never approved me. They tell me that I was declined with no reason and told me to write them a letter asking why I was denied. I believe I have been discriminated because of my race.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting a XXXX XXXX filing on my credit report Ive never filed a XXXX  XXXX I started the process and it was withdrawn from the Bankruptcy CASE # XXXX was never finalized in United States Bankruptcy and it was Withdrawn.Yet Transunion is still reporting this error on my credit according FCRA THIS PUBLIC RECORD SHOULD HAVE BEEN REMOVED WITHIN 30 DAYS AND THIS HAS DRAGGED ON FOR OVER A YEAR.
Product: Mortgage

I recently filed a complaint with your organization and received a response from my mortgage company. I do not agree with their findings. In their response letter, they stated in the section titled, Deed In Lieu Denial, " A letter ( copy enclosed ) mailed to you on XXXX XXXX, 2015 advised that you could accept the offer to pursue a Deed in Lieu. '' My letter dated XXXX XXXX, 2015 states, " Based on a review of the information you provided, you have been approved for a Mortgage Release ( Deed in Lieu ). I have contacted XXXX offices for guidance.
Product: Credit reporting or other personal consumer reports

Experian is reporting a collection account to my consumer report in which this alleged debt isn't mine. I asked them to investigate this account and provide to me all documentation that verifies the accounts listed in my dispute letter in which they never sent me any documents. How are they reporting this account if can't be properly validated nor did I give them the consent to report anything about me to the credit bureaus. If this alleged debt belongs to me why isn't there any contracts or agreements between me and the creditor reporting this information. This unlawfully reporting information is negatively affecting my credit score. included in this complaint is a copy of my dispute letter in which I ask Experian to thoroughly investigate my dispute and remove any account or information that's either inaccurate or unverifiable. 

Violations committed by Experian and the creditors : 15 U.S. Code 1692g - Validation of debts 15 U.S. Code 1692c - Communication in connection with debt collection 15 U.S. Code 1692e - False or misleading representations 15 U.S. Code 1681i - Procedure in case of disputed accuracy 15 U.S. Code 1681e - Compliance procedures 15 U.S. Code 1681 - Congressional findings and statement of purpose