23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Our dental practice received an invoice regarding collections services from Capital Accounts. The services attempting to be collected upon are from patient accounts that were submitted to the collections agency from XXXX under a prior business owners name. 

Our doctor purchased the practice from the doctor in question in XX/XX/XXXX, however all account aging and collections from before the purchase of the practice remained in the prior doctors name and were forwarded to him via postal forwarding. 

Capital Accounts had been unsuccessful in collecting and or contacting the prior doctor and on XX/XX/XXXX someone from their office changed the name on the collections account to our doctor based off of our answering service. 

Once we received the invoice from Capital Accounts we contacted them for more information regarding the account and were notified by their representatives that the debt that they are attempting to collect is not ours. It was also at this time that we were made aware that they changed the name on the collections account after unsuccessfully reaching the prior doctor on our office number. 

During our conversation with Capital Accounts we made them aware that the account in question had been erroneously changed into our doctors name, and that we did not have forwarding or contact information for the prior doctor. XXXX continued to harass and make threats regarding why we were unable to provide information regarding the doctor in question. We attempted to resolve the matter and get a corrected invoice showing that no debt is owed by our doctor, however the harassment and threats continued until XXXX hung up on us.
Product: Debt collection

I paid high rate on line of credit Wells Fargo never told me that all payments were interest only when it come time to payoff the account they charged extra this is just wrong when I contacted corporate they still denied a refund
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I Do Not have a contract with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX they did not provide me with the original contract as requested I would like my credit report to be corrected in regards to these negative reports
Product: Credit reporting or other personal consumer reports

Tonight, I found unauthorized inquiries on my credit report, and I dont understand how they got there. I was reviewing my report as I usually do, but this time, there were discrepancies I couldnt explain. I tried refreshing the page, hoping it was just a browser issue, but the unauthorized inquiries didnt disappear. Therefore, Im requesting that the documents Ive provided be carefully examined so that I can stop worrying about this.
Product: Credit reporting or other personal consumer reports

I only have and only use XXXX XXXX given FULL name which is : XXXX XXXX XXXX and no other derivatives
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter to experian to change several inaccurate reportings. 

Instead of correcting these they made my account worse and even more inaccurately reported and they took the liberty to dispute open accounts that were not into included on my letter to dispute. They now resulted to changing an open credit card balance to an untrue balance amount and Im not sure how they got this data because it was not given to them from the original creditor now affecting my utilization causing my score to drop. Their mixing charged off accounts with my open accounts not paying close enough attention to my letter which is illegal and now giving me the fair credit reporting I legally deserve. 
I never disputed my open XXXX  XXXX account ending in XXXX and that balance is not my statement closing balance and Im not sure where it came from. They changed the balance on a XXXX XXXX Charge off I never even made a payment on. I want these items now REMOVED from my report or legal action needs taken place as this has now hurt my chances or utilizing my credit causing my score my drop for Experian and I am a consumer now hindered because they are not following the law.
Product: Vehicle loan or lease

I had a leased vehicle that I invoked my SCRA rights on on XXXX XX/XX/2023 to break the lease since I was leaving for military service. I returned the vehicle at that time to a Toyota dealership. I received paperwork back on XXXX XXXX while I was at training showing the Early Termination Lease Liability amount I still owed. I called at XXXX on XXXX XXXX, spent over an hour, and was transferred to six different representatives including a supervisor ( XXXX ). I called back again in the afternoon at XXXX and spent another hour on the phone speaking with multiple representatives and a supervisor, XXXX XXXX again. The results are below. 
After clarifying the fees, I agreed that I owed the full bill of {$7200.00} and asked to enter payment arrangements for {$100.00} each month. I was told the amount was too low for them to accept, and so I would have to call in to the automated payment system each month to make that payment. When I was transferred to the XXXX XXXX, they said that I could not make a payment using my debit card, but would have to send in a check instead. The reason being that I had made payments in the past through that checking account that had been declined, so they would not accept any ACH or debit for that account. When I questioned how a check from that same account would be accepted, the representative said she did not know and they would just have to figure it out when the check arrived. I was told even if I made a new checking account that they would not accept payment from me for 18 months. I was told the only way I could pay a bill was to use XXXX XXXX and was given a code to use. When I went to XXXX XXXX and input the code, it directed to a different company called XXXX, NOT to SE Toyota. I did not proceed with a payment since I could not verify it would reach the correct company.
Product: Mortgage

XX/XX/2023 I recently was approved and received a loan from XXXX XXXX. The loan is now serviced by Specialized Loan Servicing , LLC in accordance to a letter that I requested as a welcome dated XX/XX/2023, but received at the end of XXXX after placing a call to XXXX XXXX on XX/XX/2023. At the time of the processing of my loan, the date for my payment was the XXXX of the month. This was set up as ACH. 
Summary of Activities : On XX/XX/2023 I called XXXX XXXX at XXXX spoke with XXXX to indicate that I wanted to verify when my payment was due and the exact amount. XXXX provided me the date of XX/XX/2023 and the amount. 
My payment was processed from my account in accordance to the XX/XX/XXXX established at the time of the processing of my loan. 
I received a statement ( See attached Exhibit A ) that indicates I am past due on my loan. My loan can not be past due as the first payment was due on the XXXX of the month. 
On XX/XX/2023 I called and spoke with XXXX ID XXXX XXXXXXXX, XXXX indicated I was not late, however my statement is showing I am past due and delinquent on my payment. I explained that this would also report negatively on my credit report. I further explained that this should be corrected. I was told that this could not be corrected. I requested to speak with a supervisor to state my case. XXXX, indicated he would send me to his supervisor XXXX. XXXX indicated XXXX could not send me to anyone else and/or schedule a call back from someone within the organization. 

XXXX indicated I am not late ; this is how it shows on the statement. This is not satisfactory for me and appears as if I am negiliant in my financial responsibilities. I am not comfortable with someone telling me I am not late and documentation shows otherwise. I later spoke with XXXX ID # XXXX whom indicated once again I was not late, but if I wanted to change my payment date to match there statement date I could. This is not effective customer service when the client is being penalized based upon information provided at the time of the loan closing. I was told through Achieve to set my loan ACH for the XXXX of which I did and followed instructions. Specialized Loan Servicing indicates this is the last day of the grace period and the statements go out before that date. There has definitely been miscommunication, lack of communication and erroneous communication to me as a customer. Therefore, why would I need to change my due date. 

Additionally, I was told there was not a physical address to submit a Qualified Written Request as I wanted to ensure that someone would receive and sign for my notification. Secondly, I was told I could not send the qualified written request through the email that was sent to me, and third, I was told that I could not fax my Qualified Written Request to anyone. The only place to send it was to the XXXX XXXX XXXX file and there is no guarantee that someone would get it. Again, why send a Qualified Written Request if there is the possibility that it will not been seen, and/or concerns addressed by anyone. 





Thank you,
Product: Mortgage

The mortgage company is refusing to endorse the final check for repairs made to the house. Payments were broken up into 5 separate checks. Checks 1, 2, and 4 were all endorsed with no issue and only the statement from the insurance company on what the check is for. Check 3 we accidently endorsed before sending it to the mortgage company and it took nearly 2 months for it to be returned to us. We have sent them everything the insurance company included with each check, a statement from the contractor stating we had paid them in full, and a paid in full final invoice from that company as well. Today I sent the statement from the insurance company on what was paid out and why, pics of the work, and a lien release. We still can't get the check endorsed to repay our savings which was used to pay off the contractor. This has been going on for 3 months.
Product: Credit reporting or other personal consumer reports

I am current on my mortgage with XXXX and never missed a payment and Experian has my mortgage listed as closed and discharged in bankruptcy so it makes my credit look bad to lenders and Im not getting raised points on my credit with my on time every month payments. 

I have talked to XXXX and they report my payments to credit bureau and I tried to file a dispute with Experian to get them to correct and they have done NOTHING and you cant talk to a live person to get help
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 3 credit bureaus must validate these accounts 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 following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX  XXXX Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase has confirmed payments on acccount ending in XXXX, as a one time debt account ending in XXXX which does not belong to me on XX/XX/XXXX. Before that in XX/XX/XXXX chase said payments were being made from a checking account ending in XXXX which also doesnt belong to me. I have never been associated with the XXXX XXXX XXXX XXXX, CA. XXXX.
Product: Debt collection

Radius global solutions attempted to collect {$72.00} from me without any calls and mailed bills. I called them to sort things out and was told XXXX XXXX was where the bill originated. I called XXXX XXXX and the staff was unable to figure out how this happened. I checked my credit score a day later and it magically disappeared from my credit report. I also disputed this matter about 2 weeks ago. While the collections is gone, my credit score remains XXXX points lower.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 student loans late have been reporting negatively on my credit report since XXXX. & XXXX. I consolidated these loans and they are still reporting negatively. This has affected my life horrifically and has caused substantial hardship. I am requesting that to have this information removed from XXXX, XXXX and XXXX.
Product: Mortgage

My house had water damage on XX/XX/2019. The insurance company has released money to Flagstar bank to be monitored and disbursed for the repair of my house. Flagstar has only released money to give to the cabinet makers and will not release any additional funds without an inspection to verify work is complete. They will not release any funds for me to give a contractor to start the work- repairs. I have requested multiple draws so that I can move forward and now I am at a standstill. I have the fear that my house will go into foreclosure and I will run out of ALE fund to live on from the insurance company.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax have been reporting erroneous information thus dropping my credit score more than XXXX points. Starting in XXXX of XXXX I have disputed the problem several times. In XXXX of XXXX my credit report was finally updated however shortly thereafter the wrong information was re-reported. I disputed the situation again and it was corrected but only to report incorrectly again. Each time the wrong info is reported my credit drops by about XXXX points. Not only is the information that is being used dated back to XXXX, there is no bank statement supporting the claim that I have a debt of more than {$15000.00} as they have reported.
Product: Mortgage

Wrongful Foreclosure, Trustee Sale of our home, on XX/XX/scrub>XXXX XXXX XXXX initiated by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fay Servicing XXXX XXXX, serviced # XXXX. Apparently the loan was sold, transferred or paid in full, we the minority XXXX family have been left in the dark. New material evidence, by the California Attorney General XXXX, our home was not listed as a Residential Foreclosure Sale, by an Eligible Bidder, written notice of XX/XX/year>. We believe their been an violation of the Truth-In-Lending Act, CA, Civil Code XXXX as well as the CA, Civil Code XXXX ( i ). We the minority XXXX XXXX, are currently residing in our home, despite of the Fraudulently, Illegal, Conveyance. Per Qualified Written Request, I have reached out to Vice President of Fay Servicing : XXXX XXXX XXXX, in reference of our concerns of the mortgage loan and the Unlawful Foreclosure. We the minority XXXX family, have suffered damages and Irreparable Harm.
Product: Mortgage

No communication whatsoever! I had to keep calling them to get a hold of the lady. Also when she did she said she couldnt approve even though I had a previous mortgage with them. Now all of a sudden Im not approved without telling me why
Product: Student loan

Hello, I'm being told by the DOE that my payments towards my student loans aren't eligible for PSLF forgiveness even though their own website indicates they are. I have been an XXXX  a XXXX nonprofit continuously since graduation and for every payment made over the years. My understanding is that the standard repayment plan is eligible but under normal circumstances wouldn't have a balance to forgive for PSLF however I was under the impression that the forebearance during covid was counted towards PSLF which means I should be eligible to have my loans forgiven after 10 years under PSLF despite them still having a balance. I am relying on this website- https : //studentaid.gov/help-center/answers/article/qualifying-repayment-plan-for-pslf I would like to have my past payments counted and I would like to ensure my future payments while I retain employment are counted correctly so I don't have to engage in this back and forth when I should be fully eligible for forgiveness in a few years. 

I have submitted my certifications and my case number with the DOE is XXXX
Product: Credit reporting or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I mailed a dispute letters to Equifax requesting for my personal information that they're reporting be corrected due to it being inaccurate. Attached to this letter was a copy of a current utility bill and social security card. In response I received a letter dated XX/XX/XXXX from Equifax stating that they received my request but was unable to comply due to my documents being illegible. I truly feel that this was just a tactic used to prolong the issue. XX/XX/XXXX I mailed off a reply letter demanding that they stop prolonging and take care of the issue in hand, or I would be taking further action if it wasn't handled within XXXX business days of the dated letter. As of today XX/XX/XXXX I haven't gotten a response. I will attach ALL communications from myself and Equifax.
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. 
Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Accounts # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX 15 USC 1681 section 604 A section 2 it also states a consumer reporting CAN NOT FURNISH AN ACCOUNT WITHOUT " MY WRITTEN INSTRUCTIONS ''.

15 USC 168c ( A ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item of information.

Any adverse item of information other than records of conviction of a crime which antedates the report by more than 7 years.

15 USC 1681s - ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer to any 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

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. 

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, , 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

During XXXX XXXX XX/XX/2020, my mortgage company ( XXXX ) allowed forbearance, due to the pandemic. I was granted forbearance during XXXX, XXXX, and XXXX. In XX/XX/2020, I paid the past due amount and became current. I notice that my credit score was reduce because it didn't show that payment was received by my mortgage company during the months of forbearance ( XXXX ). I told Transunion the reason I did not make the payments and they refused to add my credit score back to where it had been.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX  Account Number XXXX XXXX Please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number XXXX XXXX Please remove it from my credit report.