23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This complaint is in regard to FOX COLLECTION CENTER. THIS COMPANY IS NOT COMPLYING WITH ANYTHING I AM REQUESTING. BY LAW THEY ARE REQUIRED TO PROVIDE INFORMATION UPON REQUEST! This is according to the Debt Collection Rule. I am unaware of the alleged debt they placed on my consumer report. I did not have the opportunity to dispute the alleged debt, and it was furnished on my credit reports. As a result, my character and reputation are being damaged per 15 USC 1692d ( 1 ). This is a violation. If in fact you believe you gave me proper notice, then please send me the certified receipt with my legal name on it or my signature. SEND ME PAPERWORK NOW BEFORE I SUE YOU PER 15 USC 1692K FOR ABUSIVE PRACTICES AND WILLFUL NON-COMPLIANCE!!!!!! How am I supposed to know if I actually owe a debt if I don't have any proof???? Saying " My client verified you owe the debt does not help me and plus you are already XXXX for other abusive practices. I am reporting this to my state attorney general!!
Product: Credit card

Multiple accounts were open in my name also there where fraudulent checks sent to my bank accounts. One was sent to XXXX XXXX, XXXX XXXX, and XXXX. It is hard for me to open a bank account. Also it hard for me to get a credit card. I also found out that computers where sent in my name around the world.
Product: Credit reporting or other personal consumer reports

There are two items on my Equifax credit report that are not mine. I have sent letters and electronically filed disputes with Equifax multiple times over the years regarding these two accounts. The most recent disputes were on XX/XX/2023, XX/XX/2023, and XX/XX/2023. Each time I request for Equifax to validate the debt and send me evidence from XXXX XXXX  and XXXX that the accounts they have listed on my credit profile are mine. I have never received any documentation from Equifax showing that I have ever had accounts with XXXX XXXX  and XXXX, or that I owe the companies money for past credit card debt. I have contacted both XXXXXXXX XXXX  and XXXX and they do not seem to have any information about me or any old credit card accounts. I had fraud and identity theft years ago and I suspect that is how these two credit cards ended up on my credit report. The two accounts are : XXXX. XXXX XXXX Account number : XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX The last 4 digits of the account number are : XXXX.
Product: Checking or savings account

I have had issues with PNC bank regarding overdraft fees since I first opened the bank account in XXXX. I have below dates and total dollar amount taken from me since XXXX. It has been a lot more than this prior to XXXX but information is not easy to obtain. it would cost me {$5.00} per statement just to obtain every overdraft fee. I have been in contact with PNC on an every week basis and I am always fighting with them some times on social media on XXXX. I was unable to obtain any reward from the previous class action against them as I was a year too late. I am willing to pursue a new one if this issue does not resolve itself after this complaint. Overdraft fees hit on my account might into the thousands.

( 2 ) fees from this time period may have been refunded since this time period but all else stands. Please see below every overdraft fee since XXXX : XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} - {$5.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$30.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$66.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$100.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$130.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$170.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$210.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$240.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$280.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$310.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$350.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$390.00} XX/XX/XXXX OVERDRAFT ITEM FEE Information Icon {$36.00} {$420.00}
Product: Credit reporting or other personal consumer reports

Re : Urgent Request Fraudulent and inquiries block under section 605B of the FCRA Account in Dispute : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$1400.00} Account in Dispute : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$1300.00} Account In Dispute : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$2300.00} Account in Dispute : XXXX XXXX  Account # : XXXX Reported Balance : {$15000.00} To Whom It May Concern, I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identify theft. The inaccurate information is causing significant harm to my credit, and I expect immediate correction action. 
Per section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within ( 4 ) business days from the date of receipt of this letter. 
Account in Dispute : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$1400.00} Account in Dispute : XXXX XXXX XXXX Account # : XXXX Reported Balance : {$1300.00} Account In Dispute : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$2300.00} Account in Dispute : XXXX XXXX Account # : XXXX Reported Balance : {$15000.00} Additionally, I request the removal of all unauthorized inquiries to this identify theft : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. 
I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were are not authorized by me and negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. 
I expect written confirmation by XX/XX/year>, confirming that the fraudulent XXXX XXXX XXXXXXXX accounts and any related unauthorized inquiries have been fully removed from my credit report. 
This is a time sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. 
Thank you for your immediate attention to this issue. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was living with a friend and moved out on XX/XX/2015 but didn't know I had left several personal identifying documents behind. I believe that friend or their associates used my personal documents and information to obtain several credit accounts and vehicles in my name. I have confronted several people concerning these accounts once I had become aware of them but they say it could've have been anyone but them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian would not investigate the false charge on my credit report, and wouldn't send a copy of the investigation.
Product: Credit card

Navy Federal Credit Union ( NFCU ) Acct # XXXXAcct Status : CHARGE-OFFThis account was reported in XXXX 2008 as being the victim of identity theft ( Police Report # XXXX ) and all information was sent to them via certified letter and via Fax. It has been nearly 8 years since this occurred, and I am still riddled with issues in their reporting and that they 've " charged off '' the account. I have contacted them on several occasions requesting they provide proof of ownership ( signed documents ) and that all charges were legitimate. In each instance, they have never responded. I have disputed these entries on my credit files and they are continually updated with inaccurateinformation. 
In the past 60 days, I have once again sent correspondence to both XXXX and the creditor requesting validation of acct ownership. Each time, they do not provide anything other than an electronic verification that what information they have is correct. When I dispute the accounts to show that fraudulent charges were made on the account, I 'm told that the creditor will not respond and that I need to speak with them. 
I have done all I can do to get this resolved. The only thing that the creditor and XXXX are doing when I dispute these items is to verify my name, SSN and account status - NOT FRAUD CHARGES. 
By law, they have not responded with evidence and appropriately within 30 days to the legitimacy of the charges and have not provided any response or evidence they are investigating the nature of the charges associated with my former acct. In doing so, they 're in violation of the FCRA laws and must remove all entries of this account immediately.
Product: Debt collection

In XXXX XXXX  XXXX I discovered that Midland credit management sent notice to the 3 credit bureau 's that I owed {$310.00} - I didn't know anything about. I disputed this with the credit management company and the 3 credit bureau 's. The result of the dispute was that it was me that made these charges. I called midland credit company earlier XX/XX/XXXX to pay off this {$310.00}. I was told the account was in dispute and they could not accept my payment. I was told to call back two weeks later. I called two weeks later to pay the debt off and was told that the account was in dispute and I couldn't pay the debt off. I was told to call back on XX/XX/XXXX. I called on this day to pay the debt off. I was told that I could not pay the debt off today because it was in dispute. I am trying to clear up this account. I have always had excellent credit. I need this company to take my payment to clear up my credit. Every month they send notice to the credit bureaus that this account is uncollected and I am tiring to pay it off.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, Florida XXXX XX/XX/2022 COMPANY : PROSPER FUNDING LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Re : LOAN # : XXXX To whom it may concern, This is about the consumer credit transaction entered into with your company dated XX/XX/2022 and i extended your organization the credit for the LOAN # : XXXX. 
I hereby give your company PROSPER FUNDING LLC notice pursuant to 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly and conspicuously mentions the pertinent facts of this transaction. Your company didnt even inform me about the cost of credit and the only evidence of indebtedness was a computer generated agreement. According to 15 USC 1602 ( k ) the term adequate notice means a printed notice to acardholderwhich sets forth the pertinent facts clearly and conspicuously so that apersonagainst whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such notice may be given to acardholderby printing the notice on anycredit card, or on each periodic statement of account, issued to thecardholder, or by any other means reasonably assuring the receipt thereof by thecardholder. 

since adequate notice was not given as per the above mentioned section, i couldnt understand clearly its meaning which is a violation under 15 USC 1602 ( k ).

Further, Pursuant to 15 USC 1601 ( a ) a Consumer must be aware of the cost of the transaction. Since i was not aware of the cost of the transaction, I therefore made an uninformed decision and it resulted in multiple billing errors and unfair credit practices.

From your end, i have not benefited from this transaction which again, is a violation under 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ) The term unauthorized use, means a use of acredit cardby apersonother than thecardholderwho does not have actual, implied, or apparent authority for such use and from which thecardholderreceives no benefit. 
PROSPER FUNDING LLC has also charged a usurious interest rate of 28.83 % for this personal loan. 
Article XXXX of California constitution states loans primarily for personal, family, or household purposes, at a rate not exceeding XXXX percent per XXXX FL STAT XXXX contracts for the payment of interest upon any loan, advance of money, line of credit, or forbearance to enforce the collection of any debt, or upon any obligation whatever, at a higher rate of interest than the equivalent of XXXX percent per annum simple interest are hereby declared usurious. 
I hereby request you do the below mentioned things, XXXX. Report the account LOAN # : XXXX as paid in full to all consumer reporting agencies. 
XXXX refund the finance charge associated with this consumer credit transaction. 
If you accept my request i will not escalate this matter to Federal Court. In case you dont accept the above requests, a legal action shall be taken against your company for compensatory damages. 
thank you for your attention to this matter. 
sincerely, XXXX XXXX
Product: Credit card

On XX/XX/year>, I made a purchase of {$70.00} at Lowe 's. Billing for this charge was received on XX/XX/year>. A partial payment of {$35.00} was made and cleared my bank on XX/XX/year> ( nine days prior to due date ). Billing for the balance of this charge was received on XX/XX/year> which included a {$2.00} interest fee ( no dispute ). The balance of {$37.00} made and cleared my bank on XX/XX/year> ( six days prior to due date ) leaving a XXXXXXXX XXXX. On XX/XX/year>, I made an online purchase in the amount of {$47.00} which was picked up in the store on XX/XX/year>. Billing for this charge was received on XX/XX/year>. There was a {$2.00} interest charge applied to this charge. It is my understanding that interest can not be applied to a charge that is not yet billed. Therefore, the balance on my Lowe 's account ( managed by Synchrony ) should be {$47.00} not {$49.00} as reflected on statement. 

I noted recently that Synchrony Financial has a class action suit pending for charging excessive interest on its Care Credit account.
Product: Debt collection

Hello I have a Collections company named Ability Recovery Service on my XXXX & XXXX   XXXX reports. I disputed this account on XX/XX/XXXX, sent a certified letter with a Debt Validation Request on XX/XX/XXXX, the letter was delivered to the companies post office subs the address is a PO Box XXXX On XX/XX/XXXX. The company claims I owe this debt but I know I dont because I never heard of the original creditor XXXX XXXX. The collections company keeps actively flagging my credit report for collections from XX/XX/XXXX - XX/XX/XXXX. After the opening a complaint with Ability Recovery Services local XXXX. They Ability Recovery first stated that the client XXXX XXXX recalled the account on XX/XX/XXXX. However I have proof the account remained on my credit report after. Since they flagged my report in XXXX, Ability Recovery Service then responded that same again except they added their client XXXX XXXX sent the debt back to them in which they placed it back on my report on XX/XX/XXXX. Now I must be missing something or can Ability Recovery Service explain. If the debt was removed on XX/XX/XXXX and placed it back on my report on XX/XX/XXXX, how could I have disputed it on XX/XX/XXXX, mailed a letter on XX/XX/XXXX and the letter arrived at their post office on XX/XX/XXXX? They also tried to same that the account # on the report was new from XX/XX/XXXX but if you look at the pictures in include the account number goes back to XXXX. Also if I actually owe this debt to XXXX XXXX why did XXXX XXXX recall it. Why is Ability Recovery Service lying so much about the account? Why? Ill tell you why because I dont owe the debt I never heard of XXXX XXXX or Ability Recovery Service until the day XXXX checked my XXXX & XXXX   XXXX reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, my husband attempted to obtain his free annual credit report from the website, XXXX., prior to applying for a car loan at our local bank. After submitting all his personal credit information, at the end of the process, he was informed that the reporting agency " could not provide a credit report at this time '', although the BANK had no problem obtaining his credit report, which he was not allowed to view, but he did find out that it contained inaccurate information and lower credit score that resulted in requiring him to get a co-signer and pay higher interest on the car loan. Today, ( XX/XX/XXXX ) when I went online to apply for social security retirement benefits, my application was " rejected due to reporting from XXXX  '' so that SSA could not " verify '' my existence in order to process my application ; so I went online for MY free annual credit report, and, after supplying all my personal credit information, I was informed that the reporting agency " could not provide a credit report at this time. '' Because we have been in a bitter dispute with XXXX/XXXX/XXXX over their theft of our home on XX/XX/XXXX - which they reported to the credit reporting agencies as " REPOSESSED '' 5 years ago, when it was actually still IN DISPUTE in Federal Court, getting ready to go to Jury trial in a few months, & they have been informed that I've had to fire our attorney and prepare to represent ourselves Pro-Se in our dispute against them, I think they are using their financial power and control over the credit reporting agencies in order to harass and get us to throw in the towel and give up.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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: Debt collection

To Whom it May Concern : I am in the process of purchasing a new home and recently pulled my credit reports. I was shocked to find that currently reporting is a collection company by the name of Spring Oaks Capital for what they are stating is a XXXX XXXX XXXX  account. I am disputing the validity of this collection and the reporting of it because I do not recognize the debt. I have no recollection of ever having the account. In addition, I have not received a call, text, or email which has furthered my suspicion of how this debt made it onto my credit reports. Due to this collection being erroneously reported to the bureaus, I have been unable to secure credit and it is impacting the approval for my home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXXXXXXXXXX SS # XXXX Transunion Re : unauthorized inquiry To Whom It May Concern : I would like to dispute an inquiry unauthorized inquiry from XXXX XXXX  which was made on XXXX/XXXX/2016. I checked my credit report, which I acquired from Transunion. I have contacted XXXX XXXX, who conducted the inquiry, and asked them to remove their credit inquiry from my credit report. I request that you initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. Once the investigation is complete, I request that you remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. Can you also send a summary of the procedures used in your investigation? Thank you for your assistance in this matter, Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, XXXXXXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX 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 an account without my written instructions.
Product: Checking or savings account

On XX/XX/2022 erroneous charges appeared on my husband 's checking account/debit card statement for which I am listed as co-owner. The statement attributed the charges to the " joint account holder. '' There were three charges, two to a XXXX XXXX restaurant for {$25.00} and {$95.00} and one to XXXX XXXX XXXX for {$1800.00}. My husband called the phone number listed for XXXX XXXX ( XXXX ) and a recording answered claiming he had reached XXXX XXXX, an online payment processor, and advised him to contact the leasing company or property management company to which the payment was made. Since we have no idea what or where XXXX XXXX is, he tried a number for a XXXX XXXX in XXXX, FL and got nowhere. He reported the fraudulent charges to Capital One, holder of the checking/debit account, cancelled and destroyed the only existing debit card and received a replacement from Capital One a few days later. On XX/XX/2022, my husband received a call from XXXX XXXX from XXXX XXXX corporate headquarters. XXXX XXXX looked into the charges and provided copies of the receipts for the charges that were made using the telephone app Onedine at one of their restaurants in XXXX XXXX, CA. ( Receipts are attached to this complaint )