23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation! 

DELETE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection/Chargeoff I will never stop filing complaints against you because I know my rights! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

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 Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  has violated my rights . Or list of inquiries 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 card or prepaid card

On XX/XX/XXXX I received a text alert that a transaction had been made on my account for {$790.00}. I called XXXX and XXXX XXXX ( XXXX # XXXX ) and explained that I got an alert. XXXX said " don't worry I don't see a transaction on your acct so likely it's nothing '' A few minutes after hanging up I signed into my CC online and see a transaction referenced above. I called back and XXXX cancelled the card and issued a new card. He further said the transaction would be referred for investigation and taken off my account. On XXXX a new card arrived and I followed the instruction to set up online. When I log in I can see a new charge on XXXX for the same merchant and same XXXX amount. I called and spoke with XXXX on XXXX. She said " its confusing, but that is the reversal of the XXXX charge and with in 24 hours they will XXXX  out. On XX/XX/XXXX I signed in and see that the two XXXX transaction are gone, but a new change on XXXX for XXXX has appeared. I called and spoke with XXXX. XXXX tells me not to worry that the charge is the original charge and I should just ignore it. I explained that makes no sense as the transaction date is XXXX and in a different amount and was posted on an account that as closed four days earlier. She hung up on me. I called back and spoke with XXXX ( Ref # XXXX ). XXXX at least appeared knowledgeable and she explained that it was odd that a transaction would approve on a closed account. She would escalate this issue as she has worked at XXXX for a long time and has never seen a transaction approve, once an account is closed from reported fraudulent activity. I explained that I have no trust in Union Bank as this whole experience is a nightmare compounded by Union Bank 's inability to do their job!
Product: Debt collection

On XX/XX/2020 ( I sent via uspo mail ), several 'Debt Validation letters to debt collection agency Midland Credit Management requesting certain documents to validate a debt said agency states I owe, and that the collection agency Remove the collection accounts from my credit reports, if they're unable to validate the accounts. 

As of to date XX/XX/2020, the MCM failed to provide the request document as follows : -The original agreement, including the terms and condition under which the original lender agreed to extend credit. 

- Copies of statements showing how the borrower incurred the debt, including the dates of transactions. 

- A complete accounting that shows how interest and other charges were calculated, as well as how payments were apportioned. 

- A clause in the original signed contract that authorizes the third party like yourself to collect on this debt - Proof that buyer actually purchased this specific account. 

- The terms and conditions of the sale of the account - Copy of bill showing last default date - Proof that YOU are licensed to collect in my state of residence
Product: Debt collection

Back in XX/XX/year> I responded to the initial request for payment with a request for proof of debt being owed by me along with proof I ever agreed to the service and being responsible for any payments. 30 days later I had no gotten any documentation proving the debt. I received a couple letters from the collection company around the same time period and reached out to them to advise they are not to contact me any longer as they did not send any documentation in the time period required by law, they said they would no longer contact me then today XX/XX/year> I receive a text message from the collection company requesting payment once again. I responded to the text " You are in violation of the Fair Debt Collection Act please cease any communication or I will be retaining an attorney to file a law suit ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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.
Product: Checking or savings account

I had a no fee checking. Money was suppose to just transfer from savings with no charges. I will still charged fees for the transfer plus fees for the negative balance.
Product: Credit card

I'm trying to opt out of email advertisements- but the links aren't working to unsubscribe. when I tried the link to the card it didn't take me to the credit card link either to try and contact them directly, so I could not contact them directly after making an attempt. 

by not providing a valid opt out link they are in violation of the can spam act.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the listed account in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX Balance : {$0.00}.
Product: Debt collection

There was a Victoria Secret card opened some years ago. I called Victoria Secret directly about the alleged amount of {$420.00} which XXXX XXXX is reporting. Victoria Secret stated that it is four three or four body sprays. If we do the math, their body sprays are always ( around ) 3 for {$25.00}! There is no way that it should be legal for a company to charge any one Almost {$400.00} in interest and fees! I have requested for the original contract, information on how this account was opened, and an itemized list of the fees associated to be mailed to me. This letter was sent via certified mail. I have the receipt and copy of the letter sent. I received a reply with none of the requested information that would legally validate the account and also break down these outrageous fees. Per my rights I am requesting that this account is deleted since the creditor has failed to validate as requested, and also due to the fact that it is also illegal to accrue so much interest for just {$25.00} ( give or take a little ). Account # XXXX Comenity Bank.
Product: Credit card

Budget Car Rental charged me for tolls after telling me the car I rented was too new to have a transponder and I had my own transponder. Apparently, the rental car did have a transponder so it overrode mine. I later was willing to pay the amount of the tolls charged with a transponder but not any fees or extras and they refused to refund {$8.00}. 

I also asked Capital One to request proof of authorization for the charges from the merchant and Capital One refused and stated that it is the consumer 's burden to disprove a merchant was authorized to make a charge and they required an invoice that does not exist. 

I entered the last XXXX digits of my venture x card number in the following step and will provide full card number if you would like.
Product: Credit card

I notified Citibank of 8 fraudulent credit card charges on my XXXX statement as soon as I received the statement. The charges were clustered over a two-day period from stores/malls I've never shopped at. Citibank never investigated the charges with the merchants to compare signatures on receipts, looked at the pattern of unusual account activity or otherwise conducted a reasonable investigation. Instead, they told me on the phone that since the credit card was in my possession, " I must have made the purchases. '' Even though I appealed their decision, without it being resolved, Citibank sent me a letter ( first time I received anything in writing ) threatening me with an adverse credit report if I didn't pay the full amount due. I am a XXXX  citizen ( age XXXX ) and the intimidation has caused me great distress. I never authorized these fraudulent charges and request your assistance in having Citibank reverse these charges.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian removed a item from my credit report on XX/XX/XXXX2018 and reinserted that item without notifying me within 5 days in violation of 15 U.S. Code 1681i. Procedure in case of disputed accuracy U.S. Code
Product: Debt collection

Dear Reviewer, All the sudden I started receiving letters from XXXX XXXX ( a/k/a XXXX  XXXX XXXX ) claiming I owe them {$33.00} for some coin that they supposedly sent to me, and more importantly something I did not receive, and i never ordered. I called them and informed them that I have no idea what coin they are talking about, and I never ordered such item. I asked them to provide me " PROOF '' that I ordered such item, but I never received such prove. Next, I 'm receiving the attached collection letters from XXXX XXXX XXXX ( corp. attorney ) for Universal Fidelity LP. I called this Universal Fidelity LP disputing the alleged debt, and the representative on the phone said we will notify their client and get back to me, but i never heard back from them and all the sudden they seem to sell this improper debt to another collection agency. Also he said the collection efforts will continue and maybe reported it to my credit report ( basically threatening me to pay ). At this point, I was self assured that this is a pure SCAM to force citizens like myself to pay this amount, and the sad part some people will probably pay it, simply to not deal with it. But not me, I will inform the proper authority to investigate this SCAM and fraudulent practices. Again, I never ordered any coins, and never received such coins alleged here. This company and agency are purely motivated to collect fraudulent alleged debt without any legal ground and proof of such debt. Furthermore, when I did a simple search on XXXX XXXX XXXX, there are hundreds and hundreds of complains and scam scheme reviews with hundred of victims defrauded by these companies. I respectfully ask the consumer financial protection bureau, and any other applicable authority by law to investigate these wrong doings and fraudulent practices by The XXXX XXXX, and XXXX XXXX XXXX ( corp. attorney ) for Universal Fidelity LP to force people pay for products that they never ordered, and threaten them to be reported on their credit report. I have attached the Letters I received from XXXX XXXX XXXX ( corp. attorney ) for Universal Fidelity LP. Thank you for your attention to this matter Respectfully Yours, XXXX 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 ( XXXX ), 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 Inquiries : XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a Multipl e Inquiry R emoval Letter by certified mail and the dispute was open on  XXXX   XXXX ,   XXXX  . I dispute d 1 inq uiry that were being reported inaccurately on my Transunion Credit Report. The dispute was open on  XXXX   XXXX ,   XXXX   and completed on  XXXX   XXXX ,   XXXX  . The request I submitted conta ined 1 hard inq uiry that was not factual and I received the response for the inquiry that read Inquiries listed on your credit report are a record of the companies that obtained your credit information. I am trying to see how a company was allowed to access my credit report without my permission. According to the FCRA rule s, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ),  it states that any information can be disputed and MUST be investigated. If you do not investigate AND respond, the CRA MUST DELETE the disputed information on file. The fact that a response was generated in 3 days after the receipt of my certified letter, one can assume that there was no investigation into the matter. I am submitting this complaint due to the lack of investigation into my original dispute for a hard inquiry that does not belong to me. I did not sign for anything. The inquiry does not belong to me. This is unfair practices by a credit reporting agency ( Transunion ) with no concern for the credit worthiness of a consumer.
Product: Debt collection

Collection called numerous times demanding money, required rights and nothing. Finally paid debt and nothing was reported to the back or credit union
Product: Debt collection

I work for the State of Texas. We are not allowed to use our equipment, including phones for personal use. I have repeated told the personnel of One Main Financial in XXXX, Texas that these calls are not allowed and that they are jeopardizing my employment. I need them to stop calling my place of work. I am behind a few days. I have communicated with them by phone and email on my personal equipment. This is harassment.
Product: Credit card

1 ) According to my XX/XX/XXXX statement, for this billing cycle, I've earned a reward pf $ XXXX $ XXXX {$460.00}. And {$140.00} was redeemed to the account balance on XX/XX/XXXX, {$67.00} was automatically redeemed to the account balance on XX/XX/XXXX. I also remembered that I redeemed the remaining {$250.00} between XX/XX/XXXX and XX/XX/XXXX, but I did not receive any confirmation email, and the amount was never applied to the balance. Since the XX/XX/XXXX statement show that all my {$460.00} reward has been redeemed, t hen, where did the remaining {$250.00} go? 

2 ) As soon as I got my XX/XX/XXXX statement, I reported this problem to the card issuer that {$250.00} cashback was redeemed but not applied to my account. I have expained to multiple representatives about this several times. I was told to wait for 2 billing cycles for the amount to be applied. But I have waited for almost three months, and there is still nothing there. 

3 ) I then contact the issuer again about this for several times. First, I was told to wait another three days. After three days, I was told again to wait another 24 hours for update. And as I contact again, the representative even couldn't find this existing case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Privacy and confidentiality under the 15 USC 1681 Account 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 an account without my written instructions. 

15 U.C.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 or other personal consumer reports

This morning, I noticed an unauthorized inquiry on my credit report without any explanation. I double-checked by refreshing my browser, hoping it was just an error, but it wasnt. The discrepancy remains, leaving me extremely stressed. I demand an immediate review of the documents I submitted so this issue can be resolved once and for all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on my Credit Reports and need to deletXXXX immediately : XXXX XXXX XXXX
Product: Debt collection

This account has already been settled with my doctor 's office. It was paid in full on XX/XX/2017 directly to my doctor 's office. As of XX/XX/2017, I was still listed with the collections agency, Capital Accounts, as owing a balance. When I called the office administrator at my doctor 's office to address the matter, she said she called Capital Accounts and told them I had settled my account but there was nothing else she could do to get it removed from my credit report. At this point, I 'm not sure what I 'm supposed to do, and now my credit score has dropped significantly because of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Experian are reporting incorrectly a collection for {$8300.00} on SSA/OFFICE partial account number XXXX. ( Please see page 27 of the attached credit report. ) I was in a very serious automobile accident and I was on SSDI. I used their ticket to work program where you can work and not lose your benefits while you are transitioning back to work. This collection is being reported in error on my credit report and is not mine. This inaccurate reporting is harming my credit score. Please delete these line items from my credit report.
Product: Payday loan, title loan, or personal loan

I have sent a cease and desist letter the loan company and they continue to harass my family, friends and myself.
Product: Debt collection

Havent received anything about this debt for months. I had medical issues out of no where. The lawsuit came out of no where. I am in a good spot to pay off the debt with a payment plan.
Product: Debt collection

In the past I have communicated with this debt collector ( afni ) via phone & mail correspondence. In those communications I expressed my concerns and advised afni that I dispute this debt. That I did not recognize this debt. I asked them to validate the debt. They could not provide validation of the debt and ceased pursuing it. Recently they began harassing & sending threatening letters again about this fraudulent collection. This company does not follow the procedures or laws set forth by the federal government for debt collection practices. They should be fined, reprimanded & in-prisoned if possible. Theyre continual unlawful actions deserve your attentions. As aforementioned they are harassing me for a invalidated & fraudulent debt from many years ago that I never recognized or accepted responsibility for. I took the lawful appropriate steps within the time period allotted to dispute the validity of the debt. Once afni realized they could not validate they ceased collection activities. Now months later they are harassing & threatening once again. I have consulted with an attorney. He advised to file report in preparation of lawsuit
Product: Credit reporting or other personal consumer reports

I have no knowledge of account and demand its be taken off my credit report. It is interfering with me get a home and other necessities. If action of deletion isnt done with XXXX business days I will seek legal action.
Product: Debt collection

On XXXX I responded to this alleged debt which is illegal and identity theft and fraud by debt collectors resurgent and lvnv I asked for forward flow agreement and sale data file they provided none I sent this request certified mail disputes 15 usc XXXX. 15 usc XXXX XXXX XXXX
Product: Student loan

I am having no success with reducing Navient student loan repayment. Since XX/XX/2015 I have sought help on the basis of Financial Hardship of which constantly I get aggressive collection practices by Navient. I no longer receive XXXX income sources and that has been in effect for over 2 years. My income is SS only of which that amount is {$810.00} per month. Navient has aggressively stated they have provided help to me of which I still have to pay the full amount of {$180.00} per month. This is not the only liability that I pay into causing me to be over-extended.