23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

HAPPY WEEKEND MGR ; : I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXXND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 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 relating to any transaction by the consumer. 
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Product: Credit reporting or other personal consumer reports

reviewing my credit report I get 2 hard inquiries that are not correct EXPERIAN hard inquiries are : Disputed Inquiry 1 : XXXX XXXX XXXXXX/XX/year>, Real Estate on behalf of XXXX XXXX XXXX. 

Disputed inquiry XXXX XXXX XXXX XXXX XXXXXX/XX/year>, Unspecified. 

I do not recognize those hard inquiries. 

is violating the following laws : Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.
Product: Debt collection

About two weeks ago got a call from a lady looking for my brother-in-law who lives in ohio. I took her number and stated I would relay it when I talked to him. A week later she called again, I told her I had not discussed it with him yet but would. I then started getting auto ( robot ) calls to take care of this debt. The debt is not mine, I am on a no call list and am not responsible for my brother-in-laws debts. The calls are coming from XXXX, Illinois the number on caller ID is ( XXXX ) XXXX, when I discussed it with the people who would only provide the company name of Northern Alliance, they told me they did n't like the tone of my voice and may just keep it on the IT list to call. I do talk loud XXXX but is that a reason to use such tactics against people who they know do not owe the debt? So not only are they breaking the XXXX no-call laws ( because they know the debt is n't mine ) they are harassing me in attempts that I will strong-arm my brother-in-law. What they are doing is not only wrong, I feel it is illegal and morally wrong. I want the calls to stop, I have excellent credit ( at or over XXXX ) but that does n't make me responsible for debts made by my relatives much less those by marriage.
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXXXXXX Balance : {$23000.00} XXXX  XXXX Balance : {$22000.00} XXXX  XXXX Balance : {$22000.00} XXXX  XXXX Balance : {$23000.00} XXXX XXXX Balance : {$23000.00}.
Product: Student loan

Hello, I consolidated my loans through DOE and XXXX 's XXXX, most recently in 2009. I also enrolled in the Income-Based Repayment Plan and submitted an Employer Certification Form. This moved my loans from DOE/XXXX/XXXX to PHEAA/FedLoans. I am applying for the National Institutes of Health Loan Repayment Program, and I need the completed Master Promissory Note including the application pages 1 and 2. Since I applied online, all I got was pages 3-10. However, PHEAA does not seem to have the forms, since the consolidation technically occurred through XXXX XXXX. Since XXXX XXXX is now defunct, there is no one there to call to get the record of the consolidation. I will not qualify for the NIH LRP if I ca n't show that all the loans that went into the consolidation were eligible loans, and thus I need a copy of the application. I 've tried talking to the NIH LRP, PHEAA, and StudentLoans.gov, all to no avail. I was hoping you could help me locate these missing pages of the consolidation application, so that I can continue my NIH LRP application.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account with Santander on my credit report was paid in 2015. The balance is {$0.00}. However, the account payment status is reporting as 90 days late. This is clearly WRONG. I have disputed this information. The company verified the information as accurate. Again, this is clearly WRONG! The account can NOT be paid, and closed with a {$0.00} balance and be 90 days late at the same time.
Product: Credit reporting or other personal consumer reports

I have sent dispute to all XXXX credit bureaus in regard to the same information, that they are all reporting in correct information and to provide documents that show proof of validation, I have not received any or a correction. I have asked each XXXX, Transunion, and XXXX rep how each creditor verifies the information. Each agent advises that when you dispute and it comes back verified, the creditors only check the last four digits of your social security number, first and last name, and a code number. I do not understand how validating any debt with partial information about any individual is acceptable. Since you do not want to follow the laws for the credit reporting agencies regarding section 1006.34, Notice of validation, I am now requesting the credit reporting agency to validate the debt you claim to be verified and correct. According to FCRA section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] a ) Information on file, sources, and report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section I have the right to request the credit reporting agency for a copy of the original contract that I have signed from each creditor that you claimed to be valid, correct, and verified. As a credit reporting agency, you have signed an XXXX ( XXXX of Understanding ) with government agencies to receive and integrate credit information ( data ) from voluntary subscribers into your respective database. This Memorandum of Understanding ( XXXX ) is entered into by and between the undersigned credit reporting agency ( from now on referred to as Credit Agency ) and Federal agency ( hereinafter referred to as the Government ). This XXXX is entered into to carry out the purposes of the Debt Collection Act of 1982 ( DCA ), as amended by the Debt Collection Improvement Act of 1996 ( DCIA ) and codified at 31 U.S.C. 3711 ( e ), which governs Federal agency reporting of debt information to credit reporting agencies. This XXXX is consistent with the implementing guidelines of the DCA and DCIA, including the Federal Claims Collection Standards ( 31 C.F.R. 901.4 ), OMB Circular A-129, and the Treasury Guide to the Federal Credit Bureau Program.
Product: Credit card or prepaid card

They keep changing the payment Amount every month on me one time its {$27.00} next time its {$45.00} then its {$55.00} Now theyre trying to tell me to pay {$79.00} theyre charging me a {$38.00} late fee every month I have every month on the 3 of the month told them. Charge me {$95.00} in interest fees  this account is closed my balance two months ago was {$580.00} now theyre saying balance due was {$630.00} last month XX/XX/2019 XX/XX/2019 bill theyre saying I owe {$730.00} this is gotten out of hand and it is ridiculous I have called and complained this company multiple times and they havent done nothing but racked me up more charges on a card that I closed. I want my payments cut back down to when they were only {$27.00} a month I want credit on my bill I only owed {$580.00} in XX/XX/2019 at this rate Ill never get this paid off because they keep racking up charges I will pay {$30.00} a month I get paid on the XXXX they will receive there money no later than the seventh I want to bill change to the XXXX of every month
Product: Credit reporting or other personal consumer reports

transunion is in clear violation of the law. Under 15 USC 1681 of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report???

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- except as provided in paragraph ( 3 ). The term consumer report does not include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) Report containing information solely as to transactions or experiences between the consumers and the person making the report. 
Transaction : In business law, a transaction is an event associated with business dealings conducted between two or more parties that involve the formation and performance of an obligation or contract.

THE LAW CLEARLY STATES : Transactions or experiences between the consumer ( me ) and the person making the report is NOT INCLUDED ON MY CONSUMER REPORT.

Delete the above late payment from my consumer report, this agency is in violation of 15 USC 1681. 

The reporting of this account violates multiple provisions under the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws, including but not limited to : 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: Credit reporting or other personal consumer reports

TransUnion has refused to remove collection/negative item or provide an option for online dispute for these inaccuracy accounts. I have request validation of the alleged debt without a response from the debt collector. I have provided docs showing that my request for validation was delivered to debt collector, accounts with adverse information currently been reporting by Transunion and Transunion dispute website page showing no option for online dispute for these accounts. I have contacted this company on XX/XX/2023 and XXXX 
-Account XXXX -Account XXXX -Account XXXX XXXX
Product: Checking or savings account

Dear sir or madam, I opened my BMO Simple Business Checking account on XX/XX/XXXX. At that time, BMO Harris has a promotion to open the business checking account. 

These are promotion requirements : By Day 31 your balance must be {$10000.00} and it can not drop below {$10000.00} for the next 90 days. 

Have at least 10 electronic transactions post to the account within 90 days of account opening. Electronic transactions can be any combination of : ACH credits or debits, online bill payments, mobile deposits, wire transfers or debit card POS purchase transactions. ATM transactions and POS credits do not qualify as electronic transactions. 

I met all these conditions. But I did not receive {$500.00} bonus. I called BMO customer service and spoke to XXXX on XX/XX/XXXX. She documented what I said, Feedback XXXX XXXX XXXX, and she said that she would call me back about the status. But she didnt. I called BMO customer service again on XX/XX/XXXX and asked for the investigation status and was told that I am not eligible for {$500.00} bonus due to my account was opened on XX/XX/XXXX, and promotion has been expired. 

The thing is I opened my BMO Simple Business Checking account on XX/XX/XXXX, After I submitted all my information, I received an email to ask me to upload Business Registration Documents, which I uploaded them immediately on XX/XX/XXXX. BMO has all my information on XX/XX/XXXX. 

BMO rep told me that my account was approved on XX/XX/XXXX, which is one day late for the promotion. I dont know what happened and why it took another day for BMO to approve my application. However, I submitted all my information on XX/XX/XXXX, I also called BMO business checking customer service to confirm I was eligible for the promotion. This should be considered that I opened BMO Harris Simple Business Checking account on XX/XX/XXXX. 

I opened my Simple Business Checking account on XX/XX/XXXX, and I fulfilled all promotion conditions. Per BMO promotion requirements, I should receive {$500.00} bonus. 

Please investigate what happened and deposit {$500.00} into my account. 


Thanks XXXX XXXX
Product: Debt collection

The company is portfolio recovery I have never dealt with this company before. They are sending letters saying that I had two XXXX XXXX credit cards that I never opened up before. Under provisions of public laws 95-109 and 99-361 also known as the Fair Debt Collection Practices Act, I'm requesting that they immediately cease and desist all attempts to collect the debt. Failure to comply with this law will result in me filing a complaint with the Federal Trade Commission and the Attorney General. This letter will also serve as a notice to not utilize my phone records, or mailing address. If any negative information is placed on my credit bureau reports by your agency after this receipt this will cause me to file a suit against you and your organization.
Product: Debt collection

After reviewing a copy of my credit report I noticed that Collection Bureau of Fort Walton Beach are currently reporting a debt on my credit report. Under the Fair Debt Collection Practices Act, I have the right to request validation of this alleged debt. I am requesting documentation containing a list of all charges, dates of services, including procedures given and all the fees associated.

As you are aware, under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), I am allowed to protect my privacy and medical records from third parties.

I never gave permission to ( Medical Company or Hospital ) to release my medical information to this company. I am fully aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization.

I am requesting the following : - List of fees including any collection costs and medical charges - Copy of my signature with the provider of service to release my medical information to you
Product: Debt collection

I sent this company a letter requesting debt validation in XXXX, this company never responded to my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax via mail and phone requesting the removal of the inquiries that I didnt apply to. Equifax informed me that they are accurate and will remain for two years. I did not apply for credit to the companies listed with the exception of one for XXXX XXXX and that company is listed twice on the credit file. I have not received documentation for verification of these inquiries.
Product: Checking or savings account

Back in XXXX, I had {$1400.00} dollars stolen from me. Chime refused to pay back the money that was stolen from me from a scammer. The scammer pretended to be a chime customer service member. Then when I called chime they said since you willingly gave money to the scammer there is nothing we can do. That's {$1400.00} dollars stolen from me money that should've been paid back by chime. I even made a police report and told chime that I will be looking for a lawyer to get involved. Here it is almost the end of XXXX and still nothing back from chime I saw a story online about this site and now I'm interested in getting chime a piece of my mind from what was stolen from me..
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit card or prepaid card

On XX/XX/2023, I received an email from PayPal saying " You can no longer do business with PayPal ( Ref ID - XXXX ) '' I called XXXX, and refused to explain why.