23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I was contacted on XX/XX/XXXX from Meade and Associates via phone call in regards to a supposedly unpaid medical debt from XX/XX/XXXX and XXXX of XXXX. I was first told that there were two bills ( one for {$150.00} on XX/XX/XXXX and one for {$48.00} on XX/XX/XXXX ) from XXXX XXXX XXXX. I had not received a written letter from the collection company nor have I received these bills from XXXX. I contacted XXXX billing and they confirmed that I had paid these in full through both of my insurance companies. I confirmed the reference numbers and amounts provided by Meade and confirmed that these are the paid bills in collections. XXXX agreed to send a letter to me via snail mail confirming the amounts paid in full and I should receive it in 10 business days. This information was shared with Meade and Associates. They did not respond.

When I called Meade and Associates back, they changed t
heir story. Now, they are claiming that XXXX XXXX submitted the debt. I called the XXXX  department who were confused as they do not handle billing and they forwarded me to the billing department who again, confirmed I paid in full and should not be in collections. I relayed this information back to Meade with no response. I even called my doctors personal billing department and they have no record of me in that unique department so I could not have a debt as I do not have a profile/account. 

Today, on XX/XX/XXXX I received another call from Meade and Associates with a NEW story from them. Meade claimed to have contacted XXXX on XX/XX/XXXX and said I had an outstanding balance with XXXX. Apparently, Meade and Associates have been emailing back and forth with XXXX XXXX XXXX ( which I have never been to before ) about me and my debt. When I asked for the email they ( Meade ) were emailing to, they refused to give it to me. I called XXXX and spoke with several supervisors who were all just as confused as me because Im not in their system nor do they work with Meade and Associates for collections. XXXX believes this is a scam at this point or potential fraud. 

It has been over 7 days since Meade and Associates have first contacted me. I still have not received a straight answer where this debt has come from, who sold it to them, who to contact, nor have I received a written letter confirming this supposed debt from this collection company.
Product: Debt collection

Helvey and Associates is contacting me without my written consent. The company is attempting to collect a debt not owed. I have no knowledge of this erroneous account. Please provide proof that I am responsible for this alleged debt account by providing me with the original contract bearing my wet ink signature. Also I would like the alleged account validated and verified. Please cease and desist all communication attempts. I am disputing the validity of this alleged debt account.
Product: Credit reporting

I disputed inquires from XXXX XXXX to XXXX XXXX because they were unauthorized, They sent me a letter telling me to contact the company, when i did contact the companies they did not respond either. I sent another letter telling transunion that and they sent another letter saying that all inquires are accurate to contact the creditor. I called transunion and they removed them only to add them back on my report 2 weeks later without a notice. A car loan from XXXX i disputed because i never agreed to a car note. I contacted the people who had the car and they told me that there was nothing i could do even though i was not liable for that account. When i disputed the account they told me they got information that it was my account. I asked them to send me information that helped them reach that answer and was told they couldnt sent that information to me it was against the law. 
The collection account listed is not reporting right, i asked them to remove the inaccurate account and i never got a result letter in the mail. for 2 years i have been disputing the negative accounts because they were inaccurate to only get the run around.
Product: Debt collection

I have been disputing this inaccurate account with Harvest Associates for sometime now. I sent them a letter on XX/XX/2022 and here is the tracking to prove it XXXX XXXX XXXX XXXX XXXX. I asked them to validate this account and provide sufficient documents and proof as to where this debt came from and all I received was a letter stating that they feel the account is verified with the balance they say I owe and the name of the creditor. This is not validation of debt and if they are not able to provide valid proof this account should be deleted from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXXXXXX XXXX XXXX, Account # XXXXXXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I am doing some follows ups and I have lost several 139 points due to unauthorized inquiries and errors. I need to be re-scored and get my points back on my Credit Fico.
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 Santander Original Creditor and NCA 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 informations inaccurate. 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: Bank account or service

Bank of America charged an overdraft fee when none occurred. That caused the Bank Account to go negative. Then they accepted checkcard transactions when the balance could not cover them. I did not opt in to that and it is against consumer protection laws. Bank of America continues to take advantage of consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

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
Product: Credit card or prepaid card

Hello, I was trying to redeem my rewards for my Bank of America credit cards ( Premium Rewards ) and ( Travel Rewards Card ). I was unable to redeem them. I called customer service and they told me that my accounts ( credit cards ) were closed.. It is unfair for Bank Of America to close my accounts for no reason... I made valid purchases to EARN those points and they straight up hijacked and stole them.. All balances were always paid in full. 

If you could please help me redeem the points that I worked hard to earn that would be greatly appreciated! Thank you!
Product: Checking or savings account

Wells Fargo bank freeze my account without any send letter for my document and also after freeze my icon event in the bank and give it them all document they need and they told me my account open about 10 days after 10 days. I called them and they told me they didnt receive it. I have to do it again, They freeze my account at end of the month so. Im not available to pay my mortgage and my car payment and all my bills.
Product: Credit reporting or other personal consumer reports

Collections XXXX XXXX Opened XXXX {$700.00} XXXX XXXX XXXX XXXX Opened XXXX {$1200.00} XXXX XXXX XXXX XXXX Opened XXXX {$2700.00} XXXX XXXX Opened XXXX {$3100.00} XXXX XXXX XXXX Opened XXXX {$3300.00} XXXX XXXX XXXX Opened XXXX {$4100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize or give consent to XXXX XXXX XXXX XXXX to pull my credit! This has affected my score tremendously and I am highly upset with all of this being done without my knowledge! Please remove this from credit report as soon as possible!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX XXXX Account Name : XXXX XX/XX/XXXXXXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX  XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XX/XX/XXXX XXXX Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXX XX/XX/XXXX : Account Name : XXXX  XX/XX/XXXX XXXX Account Name : XXXX XX/XX/XXXX : Account Name : XXXX XXXX XXXXXX/XX/XXXX :
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple disputes and an FTC report for a fraudulent credit card account and hard inquiries reporting to my credit. They have not been deleted. 

Account : XXXX - XXXX XXXX  {$2300.00} Equifax - XXXX XXXX  {$2300.00} XXXX - XXXX XXXX  {$2300.00} Inquiries : XXXX - XXXX XX/XX/XXXX XXXX  FA XX/XX/XXXX TXXXX FA XX/XX/XXXX Equifax - XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested copies of my credit report from XXXX  & equifax XX/XX/XXXX that had many inaccurateies. I called them XXXX to dispute 2 visible items XXXX XXXX ( verison ) {$320.00} from XX/XX/XXXX. I was told contact debt collectors and agencies linked to origins of account. I did and was treated very terrible and was given no information from them to verify facts. I called transunion back to update the conversations and to exercise my fair credit reporting rights. They opened their own dispute again for the multiple time. As per the same with Equifax. This is a money making business they want us to struggle and force us to higher 3 rd party law/credit building or repair instututions. I'm indigent! I can't afford this hassle I filed with the ftc fraud alert as suggested by them and now they say send all this other requested documentations. I'm confused where and when do the rights of a United States citizen go into effect? I have been ask series of authentication questions via the web and no pertain to me. When answered correctly access is denied. Credit monitoring done out side of the United States. Does GDPR apply here? How do I know that the generated questions are nothing more than a trap to suggest worse credit monitoring requirements? They set this up in hope anyone willing to pay their 3rd party agencies to fix false information that has been applied to my credit report? They are not being honest however the little proof I have will not be admissible because they are not based inside the United States. They have lied to me over the phone. They have redirected me. They said things to make me feel like they cared and requested me services that i denied. I want this fixed per myself. XXXX- {$320.00} XXXX, XXXX {$2800.00} XXXX, are not my accounts i have done and ask all the appropriate questions. Results are unsatisfied. I'm asking for backup. My word in writing XXXX XX/XX/XXXX they are not my accounts. XXXX I assume opened them and i asked that they be removed because they are hurting me in my desired time to request emergency funding not available due to the inaccuracies. I read by law these companies can be held liable.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

XXXX XXXX XXXX   XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been going on almost over a year now I am unable to request my scores online there is something blocking my profile I have sent XXXX copies of my license proof of address and any additional information they have requested I can not retrieve my fico scores still to this day please correct the issue immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

Several attempts to verify and dispute fraudulent information on my credit report have failed! The credit bureaus are not even attempting to verify the information I am disputing and have not responded back to my request to delete the information from my report
Product: Credit reporting or other personal consumer reports

there is personal information- names, address, & employers as well as hard inquiries on my credit report that are being reported unauthorized, please see below Name - 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XX/XX/2022 I mail a rent check from my XXXX checking account, the check was stolen, altered and subsequently cashed at XXXX  XXXX XXXX. I received notice that my landlord did not receive my check and when I checked my account it was very clear the check had been altered. I immediately contacted my bank and the post office and created a claim with both. Chase was very difficult to deal with as after numerous attempts by myself, my branch including the branch XXXX and assistant XXXX they informed me they finally had received all the documentation they needed, this process took over 6 months. 
After that Chase now submitted their request for the funds to be returned and then had to submit them 3 times before Chase would confirm to me that XXXX  XXXX XXXX had the documents but also said they could come back for more information. This process is so complicated for something as a consumer I have had to take on by myself, Chase basically said all they could do was ask Bank XXXX XXXX for the funds to be returned but no guarantee that could happen, so if they say no I loose my money. Chase and XXXX  XXXX XXXX are FDIC insured bank and with that and the obvious altered check I should not have to go they this crazy process because the reality is the check should never have been cashed to begin with and then once Chase received the check they should have kicked it back to XXXX  XXXX XXXX immediately and returned the funds to my account. 
I have several accounts with Chase and I feel Chase basically told newtoo bad!
Product: Checking or savings account

I began the complaints on XX/XX/2020 at my local branch- Regarding the closure of 3 accounts ( 2 personal checking and 1 business checking ) -- -- -- -there has been a " protracted and unexplained '' hold & release of funds for weeks- beyond 5 days originally promised- Have repeatedly requested 1 ) Final Statements 2 ) list of interim transactions 3 ) 3 cheques made out to me ( 3 active balances ) -- -- -- -- ZERO response from branch or the respective Regional managers- Bank is SUN TRUST LLC ( XXXX  ga ) I am at a Florida Branch -
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and my personal information was compromised. 

I received no notice from Equifax, and instead had to do my own research, weeks if not months after my information was made vulnerable. Equifax offered only a " free '' service to monitor my credit, and rather than alert me in any way, Equifax left it up to me to find recourse elsewhere on the web. Had I not investigated on my own, I 'd have never known that my information was made public.
Product: Mortgage

My loan was transferred to BSI Financial on the XXXX of XXXX. XXXX XXXX turned my auto pay off and I now need to make my payment for XXXX in the amoun tof XXXX. My loan account with XXXX XXXX is XXXX. I can not get anyone on the line to make payment to BSI Financial. I have had auto pay on this since I got the loan and never had a late payment. 

The only time I was able to get them on the phone was Wednesday XX/XX/XXXX at XXXX XXXX. The lady was very rude and told me it would be 45 days until my account was setup ( which would put me 2 months behind ) and possibly foreclosed on. I was trying to setup payment early and was told I COULD NOT. 
I am also a XXXX XXXX XXXX veteran and asked that they remove taxes from my loan as I am no longer required to pay them in XXXX County Florida and offered to provide them the notice from XXXX County showing I am property tax exempt. They would not remove my taxes or take that information over the phone. 

I am unable to setup an online account. I am unable to make a payment. I am unable to get someone to call me back so I can find out to where to make a payment. They do not directly answer their phones. This is a VA loan not a standard mortgage and I will be seeking an attorney if they do not remove the property taxes from my monthly payments, and releases the escrow that I am due. I can't even make a payment and I have to submit this ahead of time as payment is considered late on the XXXX of XXXX at no fault of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX  XXXX account for months. XXXX and XXXX have reversed them but Experian is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.