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

I received numerous calls from XXXX XXXX XXXX  by phone and via mail. In speaking with their representatives by phone I advised them to give me proof of the debt, specifically because I didn't recognize the creditor they represented. On XX/XX/XXXX and XX/XX/XXXX, I received two letters from this XXXX XXXX XXXX, enclosed are original bills from the XXXX providers who rendered services. The details included dates of services, XXXX XXXX, Description of service, the provider names and charges associated with the visits. 

On XX/XX/XXXX, I contacted XXXX again advising them I have received the communication that detailed my visits and provided explanations of the origin of these debts. 

XXXX advised me this debt has been sold to a third party, Pendrick Capital Partners II, LLC and they were working on their behalf to resolve the debt. 

This is a violation of HIPAA Privacy Law. My medical information should not be shared without my permission to any third parties. I did not receive services from Pendrick Capital Partners II, LLC nor XXXX XXXX XXXX XXXX and have no contractual obligation to them. The billing details including XXXX codes and descriptions of services has been shared in violation of my rights. I have requested verbally that communication and collection efforts must immediately cease and this item be removed from my credit report. 

XXXX XXXX XXXX XXXX has a business affiliation with Pendrick Capital Partners II, LLC. I have a contractual agreement to pay for services rendered to the original provider, XXXX XXXX XXXX XXXX, XXXX not to XXXX XXXX XXXX XXXX or Pendrick Capital Partners II, LLC. This debt was sold by the original creditor to Pendrick Capital Partners II, LLC along with my health information. In order to collect the debt and validate it XXXX XXXX XXXX XXXX provided my Personal XXXX Information to Pendrick Capital Partners, LLC. Pendrick sent my XXXX XXXX information to XXXX XXXX XXXX XXXX via copy of the original invoice from XXXX XXXX XXXX XXXX, XXXX to prove the debt is valid. XXXX XXXX XXXX XXXX in turn forwarded the invoice directly to me enclosed with a letter responding to my inquiry on their letter head. At the time, Pendrick Capital Partners II, LLC obtained my service invoice it revealed my XXXX XXXX and visit description, my patient privacy rights were violated. As previously stated I have an obligation to XXXX XXXX XXXX XXXX, XXXX for services rendered, not a third party affiliate. Furthermore Pendrick Capital Partners II, LLC and XXXX XXXX XXXX, XXXX does not need my XXXX XXXX XXXX XXXX XXXX to validate the debt. This information should have been redacted. However my copy of invoices does not show a redacted or hidden XXXX code ( s ). This is a HIPAA violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was evicted by the landlord in question for paying the rent a few days late, less than 30 days, and me and my husband XXXX XXXX were singled out in order for the landlord to raise the rent from {$1800.00} monthly to {$2500.00} monthly. At the time of the eviction, according to the XXXX XXXX XXXX XXXX XXXX, said company was not evicting any other tenants for the reason that we were evicted. Now said company/agenty is trying to collect from us an unlawful debt of {$3300.00} and has reported us to collection bureaus. I just discovered that my credit rating went down XXXX points because of this. --
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX / XXXX / 16 , the credit monitoring Transunion was contacted, as we disputed the charges for a program we canceled. Transunion agreed to cancel the subscription, and refund a few of the charges. There were to  be ZERO further charges. Upon review of our account today, due to fraudulent charges, we notice d this subscription service was still being debited from our account, despite the cancellation over the phone. We demand a refund of all charges. The card Transunion is using to make these charges is no longer active due to fraudulent activity. It 's been cancelled by the bank. The refund must be via another method.
Product: Credit reporting or other personal consumer reports

My Federal student loans were serviced by XXXX. As a XXXX  employee, I requested loan forgiveness. The Department of Education informed me that my loans were being transferred because XXXX does not handle forgiveness for XXXX  employees. My loans were transferred to XXXX. XXXX stopped reporting to my credit files XX/XX/XXXX when the transfer occurred. However, I was then showing duplicate balances from both XXXX  ( because they didnt remove the file ) and XXXX for an inaccurate balance of almost XXXX XXXXXXXX combined. I sent Equifax the forgiveness letter from XXXX and the screenshot from the department of education. Equifax allegedly completed their investigation and reported that XXXX verified the debt and that my last payment was XXXX XXXX  XXXX. I have not paid on this loan since XXXX or earlier. In addition, when I go to XXXX site to verify balances to send to Equifax, it could not locate account under my social security number and date of birth. Additionally, I called them and when I was promoted to enter my information the phone system could also not find an account with my social security number and date of birth. I believe that Equifax failed to verify the account as requested through the dispute process and instead entered false information give. The fact that my efforts could not even locate an account with the former loan servicer. Equifax did remove the XXXX loan, but not the XXXX XXXX  accounts. This gross error is resulting in my ability to qualify for the purchase of my family home that is currently for sale and if not fixed timely. I have initiated another dispute through Equifax.I asked Equifax for proof that XXXX  provided this information and they stated it was against their guidelines which didnt make sense to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is another complaint to my list of complaints on the XXXX XXXX XXXX, and their negligence in validating and correction XXXX XXXX XXXX. 
FAME, debt collector, is listed on my credit report, XXXX XXXX Federal Highway # XXXX XXXX XXXX, FL XXXX, phone number listed ( XXXX ) XXXX. The credit report shows that the account number XXXX is closed, and XXXX as the amount. It says, " account transferred to another office '', there is no original creditor listed. It also reflects that, " student loan assigned to government ''. The account is incomplete and inaccurate. 
This account is damaging my credit worthiness, due to the defamation of character. What is the PERMISSIBLE PURPOSE ( 15 USC 1681b ) ) for FAME to be listed on my consumer credit report? Did FAME extend credit? Is there a two-signature contract? 
I demand that XXXX validate the alleged debt. 
I am demand proof of clam for this alleged debt from FAME.
Product: Checking or savings account

We closed our account on XX/XX/XXXX over the phone. We were told we would receive our funds, {$51.00}, by check in the mail. The check never arrived. 

On XX/XX/XXXX I called the US bank customer service line to let them know we have not received our funds and to request them. I was told to wait 90 days to get the check in the mail. 

In XX/XX/XXXX I visited a local branch and spoke to a US Bank client consultant who said he was goint to investigate an get back to me. He called me back about a week later to tell me he was unable to help me and that I should call the customer service line or wait the 90 days. I never received the check. 

On XX/XX/XXXX I called the US Bank customer service line. The agent could not give me any information regarding our funds, nor could find any information that a check was issue to us. After being transferred back and forth to diferent agents, finally a representative opened a claim for me and said I would get a response withing 10 business days. I never got a response. 

On XX/XX/XXXX I called to inquire about my claim. I was transferred and nobody could give me any information on the status of my claim. I was told someone will call me back, but nobody did. 

On XX/XX/XXXX I called again to inquire about my claim. I was told the system was down and was transferred to another line. No one picked it up, so after several minutes I hung up. 

I called a local US Bank branch to make an appointment to speak to a manager. They told me an appointment was not necessary, they will send an email to US Bank on my behalf.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, sent a dispute letter to both credit bureaus and the creditor of the account in question a few months ago. The company failed to send a 1099 c form which led to XXXX and XXXX removing the account. Equifax is still reporting this inaccurate information which is detrimental to the rating of my credit score. This is a violation of the FCRA and I am requesting the removal of the following paid accounts. Please see the dispute letters which are dated and time stamped.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate : XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX JPMCB CARD XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX JPMCB CARD XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX JPMCB CARD XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, XXXX, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at JPMCB on XX/XX/XXXX, XXXXunder the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and XXXX XXXX XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letters in XXXX and XX/XX/2022. I have spent over {$100.00} on on notarized letters and certified mail to be signed for. I got one letter couldnt verify my identity. All the required documents have been included. I am so angry that Experian can furnish a report but cant identify you. You dispute inaccuracies and they deny it. Cant back up their investigation or validate any evidence with their conclusion. That is aggravated identity theft. Its against the law.
Product: Debt collection

I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As FCRA, a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded. 

However, the creditor did not send the required information and is still reporting to the credit bureaus, which is in violation of the FCRA. My next step is to contact a consumer protection attorney unless the matter is resolved here.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance win the Fair Credit Reporting act. The List or accounts below nas violated my rederally protected consumer rignts 10 privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX  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: Mortgage

Entered Quicken Loans website this morning ( XX/XX/XXXX ) to make my XXXX ( XXXX ) payment. Website refused to accept payment ; indicated my loan had been sold to " XXXX XXXX ''. Have received no correspondence from XXXX, or XXXX XXXX, regarding this. Found a number for XXXX XXXX ( XXXX ) and called them. They indicated that the transfer is " in process '' and likely would not occur until later in XXXX. XXXX ( representative ) indicated I had 60 days to make a payment with no consequences to my delinquency status, late fees, credit reporting etc. I called Quicken and was advised that the goodbye letter had been drafted XXXX and that Quicken would also not accept any payment. Quicken refused, as did XXXX XXXX, to present any resolution. I have been associated with the mortgage industry for over 30 years and am completely confused by this ; can only imagine what the average consumer would think when presented with this situation.
Product: Debt collection

I am in receipt of my most recent credit reporting from XXXX and XXXX Credit Reporting Agencies ( Agencies ), dated XX/XX/2022. Upon perusal, I note that both agencies have reported a new third-party debtor, Cedars Business Services , LLC., erroneously naming me as a debtor to this creditor, XXXX XXXX Orthopedic Surgery without sufficient documentation as proof before listing an your name on an inaccurate creditor on my credit report, in the amount of {$4100.00}. 

This reporting is in complete violation of the FDCPA and has fraudulently violated my rights and the law to report erroneous information as to my, inaccurate dates with an amount due. The debt is not mine and this reporting further violates my rights as follows : 1. 1692 ( g ) For failure to send the consumer a 30-day validation notice within five days of the initial communication. 

2. 1692 g ( a ) ( 3 ) Failure to allow consumer to state Right to Dispute within 30 Days.

3. 692 g ( b ) Failure to cease collection efforts until debt is validated.

4. 1692 f ( 1 ) Attempt to collect any amount not authorized by the agreement creating the debt or permitted by law. 

5. 1692 e ( 11 ) Failure to communicate fail the mini-XXXX  warning : This is an attempt to collect debt.communications from debt collector. 
After viewing a copy of my credit report, I noticed a collection account placed on my credit report on XX/XX/2022. Under the ( FDCPA ), I have the right to requests validation of the debt the third-party says that I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient and that there is some contractual obligation which is binding on me to pay this debt to this third party.
Product: Debt collection

I've recently paid a debt owed through the credit collection service Waypoint. After paying the debt in late XXXX, i begin to contact them with hopes of speaking to a supervisor in regards to deleting/removing the collection from my credit history. The cable company the debt was owed to made notes in my file to have the collection deleted once paid ( reference # XXXX ). When calling, I was told each time that a supervisor would be in contact with me within 24 hours. In a 3 week span I've called at least 10 times and have yet received a call back. The last call i made was to a customer service agent named XXXX XXXX, who mentioned her supervisor XXXX XXXX would call me back. I also asked does my file show the other attempts made to speak with a supervisor? She stated yes, however not all attempts. Again, i am being told someone will call me back however no one is documenting my file to show my requests. Please note that this was an outstanding cable bill in collections, and the cable company has documented my file to waypoint showing they have requested it be deleted/removed. Nothing has happened.
Product: Debt collection

Equifax are reporting accounts that do not belong to me on my credit. The accounts belong to someone else. I do not have an account with the following : XXXX XXXX XXXX XXXX. Also, Equifax is showing incorrect information for my DEPT OF EDUCATION/XXXX  student loans. Student loans can not go in bankruptcy nor are they included in bankruptcy and I have never been late on any of my student loans. The student loans has always been in deferment with no late pays. Also when president XXXX put our student loans on deferment they were never late before then. SENSIBLE AUTO LEASING IS NOT MY LOAN! XXXX XXXX XXXX IS IN BANKRUPTCY BOTH LOANS AND I AM NOT THE PRIMARY OWNER FOR THESE LOANS REMOVE THEM FROM MY CREDIT! 
Under the doctrine Estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted EQUIFAX on a matter that pertains to my credit.
Product: Mortgage

To whom it may concern ... 
My name is XXXX I 'm the XXXX of my mother 's estate XXXX she past on XX/XX/2016. Before she past,, sHe was telling me about the house, she had a year left on it ... after she pass I paid XXXX on the mortgage to CitiMortgage ~ Citibank sent me a summary of previous balance {$4300.00} I call them back trying to see if they lower the payment cause I 'm XXXX I 'm on a fixed income XXXX $ a month,, they begin to tell me we ca n't talk to you because you not on the account, ,I hired a lawyer to make me the XXXX of the account when I got that finished l call back and they were telling me my mother owes {$28000.00} house they sent me a letter XX/XX/XXXX about affordable modification program " XXXX '' I call when I got the letter trying to get some understanding and I spoke with XXXX he was very difficult I said I 'll call you back I called the next day which was Wednesday of this week they told me somebody or call you Friday morning XXXX call me this morning and he was once again difficult I could n't get no understanding about modifying my loan I asked him could you please switch me to another worker or his supervisor he was trying to get me in a argument with him so we not no understanding I would n't do it so he hung up on me When she first got the house we came over to look at it an congratulate her,, she was explaining to me that she had XXXX years on the house they wanted XXXX in XX/XX/XXXX at XXXX a month next year will be 20 years XXXX times XXXX XXXX. And some change now they are saying the payment is XXXX month an she got the house in XX/XX/XXXX I have the deed it says XX/XX/XXXX my mother she did n't handle business lik that ... dealing with those guys have been a headache XXXX ... they 're trying to take advantage of me and the situation I would appreciate some help or advice to get to the bottom of this..
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I used my Square , Inc. tap to pay app to process a credit card payment for my business and did an instant transfer of funds from Square to a XXXXXXXX XXXX account. I made sure all of my bank information was updated. By XX/XX/XXXX I noticed that there had been no funds in my account so I checked my account and re-entered my bank information. that same week I kept checking and only received a {$0.00} deposit from Square into my chase account to verify the bank account info but I never received the amount of {$1100.00} that was supposed to be deposited. I called square and was not able to get in contact with them after my first few attempts because they have an AI chat bot speaking and I did not figure it out until my 4th or 5th attempt when I finally was able to get my phone number whitelisted to speak to someone on the phone. from XXXX I spent hours on several calls with different foreign customer service reps who did not know how to solve my problem and kept telling me that the only way to get my funds back was to have someone at XXXX write a letter saying the funds were misplaced and if I get the letter they would refund me the amount of the lost ACH transfer. I visited 3 different chase branch managers all of which confirmed that it is against chase 's policy to write any letters. I had square talk to their team members and they would not accept an official bank statement or affidavit or any of the approved documents under chase 's policy. I believe Square knew that big bank branches do not write these letters and put that in their policy so they don't have to pay innocent people for their mistakes. They then told me that they would issue a recall of the funds but it would take 3-6 months which I knew was a lie because I tried to contact the representative 2 months later and they closed my case. That was my hard earned rent money during a tough economy and they made it nearly impossible for me to recover from that loss because of the timing of which it occurred. Not to mention, I lost my voice explaining the situation from beginning to end with countless customer service reps. I was on the phone with square and XXXXXXXX XXXX for 3-4 hours at a time during the first 2 weeks of me losing the funds and now I can't get a hold of anyone and I still have not recovered the funds from either party because they would provide no solution for their conflicting policies. XXXX also tried to search using the token numbers and ACH transfer numbers provided by Square across all bank accounts and they were not able to find a trace of those funds across all of their active bank accounts. So basically the funds were lost in thin air and I never received my money.
Product: Credit reporting or other personal consumer reports

Dear Transunion, I have been going back and forth with you and the creditors, you claim that these accounts are verified, How? Show me your method of verification. You are NOT conducting a proper investigation to leave inaccurate accounts on my credit file. A proper investigation requires calling and speaking to people not simply parroting information back from the creditors, You are in violation of my consumer rights. These accounts have been removed by your bureau, before in the past and they reappeared on credit file with the same incorrect information. You claimed my disputes are frivolous yet you wont do a proper investigation on these accounts. I have contacted these creditors directly and the information they have does pertain to me, yet they claim it is mine. I am asking for you to STOP violating my consumer rights by reporting these accounts inaccurately and remove these accounts at once