23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Date of service XX/XX/XXXX : The collection agency reached out to me on XX/XX/XXXX via text message about an unpaid balance from the date of service XX/XX/XXXX. My insurance informed me that the reason why this was unpaid is because the doctor did not submit the claim correctly. This type of visit is fully covered under my plan and would be paid in full by the insurance company. I followed up with my insurance company multiple times and they informed me that the doctor kept submitting the claims incorrectly such that the insurance company was unable to process them. I informed the collections agency and she put the account on hold. This process repeated from XX/XX/XXXX until XX/XX/XXXX. On XX/XX/XXXX, the collections agent called me and said that they would no longer hold the account and they would be escalating this case further unless I paid them today. I contacted my insurance, who called the doctor. The doctor refused to resubmit the claims and refused to work with us further. We informed the collection agency and she refused to place the account on hold or try to convince the doctor to resubmit the claim. 

Date of service XX/XX/XXXX : The collection agency informed me of a balance due for the date of service XX/XX/XXXX. However, I paid the full amount the doctor charged me prior to leaving the office. I have a receipt that the doctor emailed to me after I paid them. The balance the collections agency is asking for is also larger than what the doctor billed me for. The doctor also did not submit the claim for this date of service correctly. The insurance went through the same process as the XX/XX/XXXX date of service claim to explain how it needed to be submitted, and the doctor refused to resubmit the claim.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate account on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting it to correct. The inaccurate information is negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I demand an immediate correction of this account and compensation for the damages caused and thorough investigation in this account and appropriate remedies as per the law. I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. Please help me correct this account : XXXX XXXX XXXX XXXX : {$29000.00}.
Product: Credit reporting or other personal consumer reports

According to XXXX Transunion XXXX  Transunion is supposed to ensure Maximum possible accuracy this account violates these laws 15 usc 1681 15 usc 1681s2 15 usc 15 usc i5 15 usc 1681eb Delete account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Capital one credit card account that became charged off and was later pursued as a collection account by XXXX XXXX XXXX XXXX. I have since been able to address this account through XXXX and they have deleted the negative reporting associated with this account. Capital one however, is still reporting this account as carrying a balance. I have attempted to correct this reporting via the fair credit reporting act and contact with the creditor, but a recent home loan inquiry still reports this account with a delinquent balance. I have included the notices I received from XXXXXXXX XXXX verifying the debt and payment. 



I would like this account deleted from my credit history or at least updated to show a {$0.00} balance.
Product: Mortgage

Summary of Events : 1 ) - XX/XX/XXXX completed XXXX XXXX refinance closing and my Ditech mortgage was paid off by XX/XX/XXXX 2 ) - XX/XX/XXXX Ditech autopay was not cancelled and an extra payment in the amount of {$570.00} was issued to Ditech ; I contacted the both Ditech and the bank to try to stop the payment but was told that nothing could be done and I would have to wait for a refund 3 ) - XX/XX/XXXX I called Ditech to follow up and was told that a check was issued on XX/XX/XXXX 4 )  -XX/XX/XXXX called to follow up because no check was received but I had received other Ditech mail dated later than XX/XX/XXXX. Representative confirmed that check in the amount of {$570.00} and change had " been mailed out onXX/XX/XXXX '' and said that they could not do anything about it until 30 days after the date the check was sent. 

5 ) - XX/XX/XXXX sent a complaint via the Ditech Website, received the following response " Thank you for your recent inquiry. Your request is being reviewed and we will respond via U.S. Mail to the address of record. '' Based on my research of complaints about this company, this is a common occurrence and " 30 days '' is their typical response for delaying payments due back to customers. From what I have read, this will continue for a number of rounds while I am put off for another " 30 days '' multiple times for various reasons. Some people complained about just giving up and never receiving payments. 

First of all, I do not understand why they are not refunding the entire overpayment. I also feel like I should not have to fight or follow-up multiple times to get back a payment that is owed to me. I would appreciate any help that CFPB can provide to make sure that Ditech complies with RESPA rules and regulations. 

Thank you!
Product: Credit reporting or other personal consumer reports

I checked my crdit report and saw that i had a loan from XXXX XXXX XXXX. I have never done any business with them or signed any documents. I have requested them to send documents so i can verify the signature and i havent gotten those documents
Product: Vehicle loan or lease

I was under an Ally Auto, Loan Agreed Payment Arrangements Ref # XXXX. My payment, and payment date was altered from the original contract. I have NOT been late on my payments, and furthermore met all the agreement terms as instructed by Ally in their correspondence. I faithfully paid my auto loan monthly. Checking my bank records, they take over a week to process my mailed in check thus making it appear I am late. 
I have tried paying Ally Auto, electronically, by check in the mail, and before the due date the 30th of each month. Reviewing my bank records, it is clear Ally Received my payments on time. 

I have had nothing but trouble with Ally Auto, from the very beginning of the loan. Reviewing on line complaint organizations, Ally Auto, is number one in customer complaints, and notorious in charging various miscellaneous late fees and extra charges. 

I have written, called and even wrote their customer complaint depart, with no results, just more billings of extra late fees, and charges. This is consumer abuse in its ugliest form. 

Please, someone help me with the beast Ally Auto. I have paid them faithfully every month, but due to their accounts payable system, the checks I send in advance take over a week to clear my account. I do not have any other problem with my routine monthly bills for other accounts, just Ally Auto. 

Here is my payment record for the last eight months which is taken from my bank records : XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment XX/XX/XXXX XXXX XXXX XXXX Payment Please note, that they always take over a week to process my check, thus applying a late fee, upon the delayed deposit for payment in my bank. I send the check well in advance of the due date, allowing time for the mail to deliver the check to them. 

Now Ally Auto is claiming that I missed the last two payments in XXXX and XXXX or this year. They are demanding {$1800.00}, in past due payments, late fees and charges. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I realize my consumer rights have been violated. According to the Fair Credit Reporting Act, 15 USC 1681a Definitions : Rules of Construction ( 2 ) ( a ) ( i ) States the term consumer report doesnt not include any report containing information solely as to transactions or experience between the consumer and the person making the report. Late payments are a form of transactions and utilization is an experience created by credit usage. HYUNDAI CAPITAL AMERIC is reporting late payments FOR 32 MONTHS ON XXXX AND XXXX. 

and/ or Utilization is an experience created by credit usage. 15 USC 1681b ( a ) ( 2 ) states any consumer reporting agency may furnish a consumer report under the following circumstances and no other, in accordance with the consumer to whom it relates. I never gave HYUNDAI CAPITAL AMERIC, XXXX OR XXXX written instructions to report anything to my consumer report, let alone this late payments/utilization. 

Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting method undermined the public confidence with is essential to the continues function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to HYUNDAI CAPITAL AMERIC, XXXX AND XXXXviolated my consumer rights by allowing these late payments/utilization to report to my consumer report!
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report from XXXX shows one name and two active Bank of America credit cards that are unknown to me. 

XXXX says the information were reported to them by BOA and I need to contact BOA for clarification. 

BOA says they do not find the information shown on my credit report in their system and I need to work it out with XXXX.
Product: Consumer Loan

My husband I bought a car with Drive Time about 4 years ago in an effort to build our credit back up and we have paid this car note in a timely manner. Now we are trying to buy a house but it appears that Drive Time is not reporting this to XXXX XXXX. When we checked 3 months ago it was not on any of the XXXX credit bureaus they said there was glitch in there system. They sent us a letter apologizing with a statement of our good standing. Now it is time to buy the house and they give us the run around. I have called XXXX XXXX and they state it is on their record but it still does not show on the print out. Drive time continues to say it will be down loaded with everybody 's. We do n't care about anybody else at this point they have had 5 months to get this straight. I want you to notify them and let them know this is illegal. I can fax you a copy of the paper work they sent me back in XX/XX/XXXX when the original " glitch '' started.
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern and dissatisfaction regarding the multiple unsuccessful attempts I have made to rectify fraudulent items on my credit report. These fraudulent items are causing significant harm to my financial well-being and are in violation of the Fair Credit Reporting Act. I am seeking immediate resolution to this matter.

To provide you with a complete understanding of the situation and my extensive efforts to address it : I discovered several items on my credit report that I firmly believe are the result of identity theft or fraudulent activity.

Upon discovering these fraudulent items, I promptly filed a dispute with your agency. I submitted all necessary supporting documentation and evidence to substantiate my claim.

Following the initial dispute, I requested a reinvestigation of the disputed items as I believed they were not adequately addressed during the initial dispute process.

I have made numerous follow-up attempts through written letters, emails, and phone calls to your agency, seeking updates on the status of my dispute and the progress of the reinvestigation. Despite my persistent efforts, I have not received any resolution or a satisfactory response.

The Fair Credit Reporting Act mandates that credit reporting agencies conduct a reasonable investigation of consumer disputes within 30 days of receiving the dispute. Unfortunately, my dispute has not been resolved within the required time frame, which is a clear violation of my consumer rights.

I hereby request that you : Initiate a thorough and immediate investigation into the fraudulent items on my credit report, as mandated by the law.

Furnish me with a written response that outlines the results of your investigation, including any actions taken to rectify the fraudulent items.

If it is determined that the items are indeed fraudulent, I insist on their immediate removal from my credit report.

Ensure that your agency adheres to all relevant laws and regulations, including the Fair Credit Reporting Act. I am asking for your assistance to remove the following fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$480.00} XXXX XXXX XXXXXXXX Balance : {$0.00} 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 Balance XXXX {$480.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Department of defense {$890.00} .. XX/XX/XXXX Never received notice. I have fax documents, called. I have never received any payment since I was in the state of Georgia XXXX DOD has streamlined its debt collection regulation but key parts of it were incomplete and unclearand the services didnt consistently follow it. For example, some service members were not properly notified of their debt or the right to dispute it. Also it indicates closed account/ Then indicated payment on time XX/XX/XXXX Now indicated late paying XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to bring to your attention several inaccuracies present on my Clarity Service consumer report. These discrepancies pertain to my personal information, addresses, email addresses, phone numbers, and employer information. I am requesting that these inaccuracies be promptly corrected in accordance with legal requirements, as they not only affect my financial standing but also infringe upon my right to privacy. 

Personal Name : The name on my Clarity Service consumer report is incorrect. My sole legal name is XXXX XXXX XXXX. I request that my correct name be reflected accurately on my report. 

Addresses : My only address is XXXX XXXX XXXX, XXXX, GA XXXX. Any other addresses reported on my file are inaccurate, and I request their removal. 

Email Addresses : The only email address associated with me is XXXX. Any other email addresses that do not belong to me should be removed from my report. 

Phone Number : My only phone number is XXXX. Any other phone numbers should be removed as they do not pertain to me. 

Employer Information : It has come to my attention that you are repeatedly reporting inaccurate employer information. I request that this information be reviewed and corrected in accordance with the accurate details I provide. 

These inaccuracies not only harm my financial standing but also compromise my right to privacy, which is protected by law. Therefore, I kindly request that you take the following actions :
Product: Student loan

On my account I am nearly at my 120 payments for public service loan forgiveness. In XX/XX/2017 my number of payments was incorrect and I learned in XX/XX/2017 ( almost 15 months ago ) that approximatley 6 to 8 payments were not counted despite being on auto deduct. I was told a manual review would take 90 days and it is STILL pending. By my calculations my 120 payment will be done come this XXXX XXXX or XXXX. I need my account to be reviewed ASAP and the correct payments posted so I can file for the forgiveness. I have called every few months and get the same explanation each time but nobody has helped.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have contacted all 3 credit bureaus as well as XXXX XXXX XXXX  5 times challenging the accurate, compliant, and factual reporting of an account that is showing on my credit report. each time it comes back verified as accurate ... .what type of investigation are these companies doing when there are so many violations and inconsistencies in the reporting between the 3 bureaus? there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit reporting with the errors,,,,, this account has been re aged which is a violation, this account is reporting a a charge off with a amount of {$510.00} credit limit ... this is a violation as a " charged Off '' account should not be reporting that ... .look at the 2 year history it is not uniform across the board which it should be...
Product: Debt collection

See attached document 2nd Notice. 

Bernhardt Strawser, PA, Pursuant Regulation F, 12 CFR 1006, 15 USC 1692 I have exercised my specified remedy and sent you the first letter for notice of debt validation. Bernhardt Strawser, PA, you have violated my Rights pursuant 12 CFR 1006.34 ( c ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to request your assistance in correcting erroneous information on my credit file. There are accounts that belong to me but are reporting inaccurate status, which is misleading and adversely affecting my creditworthiness. I have reviewed my credit report and identified the specific accounts that require correction. Despite my attempts to resolve the matter with the credit bureaus and the creditors, the inaccurate information remains on my credit file. I need you to either correct my Credit File by updating and or removing the following accounts off of my Credit File : XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$710.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX XXXX Balance Owed : {$79.00} XXXX XXXX  XXXX Balance Owed : {$26.00} XXXX I am requesting that you investigate the matter and take the necessary steps to correct the erroneous accounts on my credit report.
Product: Checking or savings account

On the day of the incident. I was alerted by XXXX via email that a purchase of {$3700.00}, XXXX XXXX  dollars was posted to my account. By this time the email was too late because the criminal had already taken the money by the time I noticed. 
I've promptly tried to contact immediately XXXX but they were only email-based and had them close/lock the account. At the same moment, I have phoned the committed fraud to Bank of America, where my money resides, to open a claim. Stating that I didn't authorize this transaction and had no idea it had happened until the email from XXXX was received while I was out for dinner that day. Afterward, I tried to file a phone police report to the county but was asked for a document from Bank of America to be sent over, saying something along the lines of there was a fraud committed and so forth, I mentioned the claim is was freshly opened and has not resolved, so I was turned away at that time. Fast forward to XX/XX/2020 the case opened by Bank of America was closed and was not in my favor which makes no sense whatsoever, because I wouldn't empty out my bank account in one day especially when the the account in question is used for mainly for bills and mortgage. The reason for the case being closed was because I used the site before, but even then I have never even made large purchases such as this. So now I'm just dumbfounded and XXXX. I called back to Bank of America and was put on hold for hours due to COVID submitted the police report again to reopen the case and it has been over 30 days since I did that with no word from Bank of America and they said over the phone they received the police report etc. So now here I am filing this complaint.
Product: Mortgage

I requested PMI cancellation through a BPO performance with my then mortgage servicer, XXXX XXXX XXXX, in early XXXX XXXX Shellpoint Mortgage Servicing ( a Newrez company ) took over the servicing of my loan on XX/XX/XXXX. I never received a response to my request from either company. About mid XXXX  I called Shellpoint to inquire on what was going on. I was told by the customer service rep that they would reopen the matter with the PMI department. I waited another few weeks and heard nothing, I called again and was told the same thing again. And again, heard nothing. During my third phone call, I was told I needed to send the required payment of {$190.00} for the BPO. I informed the rep that I already paid this. The rep then confirmed she sees the {$190.00} payment I referenced but saw it was credited to the balance of my mortgage loan. She had the payment reversed and noted it was the BPO fee. During my 5th phone call, I asked to speak with a manager. The manager informed me that they don't have a written request for the BPO request. I told her that I sent it in but it was to XXXX XXXX XXXX, the original loan servicer. She claimed that XXXX sent Shellpoint the BPO fee payment but not the request form. She said Shellpoint requires that I submit a new request using their form. I did so the same day. On XXXX XXXX XXXX, I received an email acknowledging the receipt of the PMI cancellation request and the BPO fee payment ( will attach copy of email ). The email also said, " Please allow up to 14 business days for an appraiser to contact you to set up a time to come out to your property. '' 14 business days ended on XXXX XXXX I never received a call. I called for the 6th time on XXXX XXXX I was told by the rep that she would have someone from the PMI department call me within 3-5 business days to update me on the matter. On XXXX XXXX XXXX which was the 5th business day, I still had not received a call so I called Shellpoint. The rep said she would submit a ticket to have someone call me back. The lack of transparency, communication, and ability to fulfill my request is beyond unreasonable.
Product: Student loan

My complaint is with Earnest/XXXX  who I recently refinanced my loans with. I was informed on XXXX ( Friday ) that my payment via autopay was rejected even though this is the same account that was used to receive a refinancing bonus. When I went to make a payment online, I was charged twice the amount. There is no option on their website to alter the scheduled payment amount, which I find to be preposterous. I was debited twice the amount from my account the following Monday. The website also stated that my autopayment discount would not be applied to my loans. As of XX/XX/14, I still have not received the second payment and I was informed by a customer service representative that their systems do not allow them to update autopayment accounts online. She asked that I submit paper form with the same information I have already submitted online.