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

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Date : XX/XX/year> Pentagon Federal Credit Union XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Request to Remove Inaccurate Charge-Off Reporting To Whom It May Concern, I am writing to formally dispute the inaccurate reporting of a charge-off associated with my account XXXX on my consumer credit report. I have evidence that this debt was transferred to another entity or trust and has not been transferred back to your institution. Specifically, the reporting file number associated with this transfer is XXXX. As such, Pentagon Federal Credit Union does not legally own this debt and can not collect on it. Reporting this charge-off as owed to your institution is inaccurate and violates the Fair Credit Reporting Act ( FCRA ). 

Under the FCRA, creditors and furnishers of credit information are required to ensure that the information they report is accurate, complete, and not misleading. By continuing to report this charge-off inaccurately, you are failing to meet your legal obligations under the FCRA. 

I am formally requesting that you immediately : Remove this account and any associated negative information from all three major credit bureaus ( XXXX, XXXX, and XXXX ). 

Cease any attempts to collect on this debt or misrepresent its ownership. 

If you fail to comply with this request, I will take the following actions : File a formal complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Pursue legal action to have this information removed from my credit report.

Exercise my rights under the arbitration agreement linked to this debt. 

I have attached supporting documentation to this letter, including proof of the debt transfer, correspondence regarding this account, and a copy of my credit report highlighting the inaccurate information. Please confirm receipt of this letter and provide written confirmation of your actions to resolve this matter within 30 days. 

Failure to act promptly will leave me no choice but to escalate this matter. I trust that Pentagon Federal Credit Union will act in accordance with federal law to resolve this issue expediently. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I have a Wells Fargo " Home Project '' account. I have made regular, on time payments for over 5 years. Paying the first charge early. And with a new purchase paying on time every month since XX/XX/XXXX. 

On XX/XX/XXXX, I went online to make a normal monthly payment. Due on XX/XX/XXXX. I selected the incorrect amount, apparently selecting a button that said pay the full amount. 

On XX/XX/XXXX I noted that my checking account was debited for a " NSF Fee ''. 

I called Wells Fargo immediately - and was informed that the payment would pass through the bank up to 4 times. I asked if there was a way to stop it, explaining I made an error. They said only after it attempted 4 times, and returned 4 times would that be possible. As once it is " in the system '' there is no way to turn it off. 

So, I called my bank and arranged for a personal line of credit, sufficient to pay the XXXX. 

I was charged XXXX by Wells Fargo for an NSF Fee. I promptly paid this on XX/XX/XXXX. 

That payment was extracted the NSF on XX/XX/XXXX. 

I called Wells Fargo and asked them to please reprocess the payment for the full amount. I informed them I had taken a personal loan and would like them to extract the full amount ( XXXX ). They informed me that they were not able to accomplish - except sometime in the " next 15 days ''. 

Would you not know, 16 days from when they made this claim ( XX/XX/XXXX ) is when the account was due for its normal payment. And that it could then be reported as delinquent. 

I have never missed a payment with this bank. My mortgage is with this bank and I have had the home projects. I made an error that should not even be able to be made with no checks and balances system. And to be certain, a phone call should have been able to be made and have the situation rectified right then.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company response does not include accurate information. Also, I have tried to contact XXXX XXXX for almost two weeks and left several messages and there still has not been a returned phone call. 

For clarification, I am not disputing that the payment was late due to the APR change. I am stating that I was not notified of the minimum payment change. It is stated in the response that I still had access to Online Banking. As I stated in the complaint, when the account was closed, I tried to access Online Banking and could not. I contacted Bank of America and a rep told me because the accounts we closed, I no longer had access and would receive paper statements. I was also told that the auto payments of {$60.00} per month would stop, so I set those up on the phone for {$50.00}. All of this phone call should be recorded. It was the same situation for the business credit card. However, I was receiving started receiving physical statements for that account, but not the personal account, so I was not aware of the payment change. 

I am asking Bank of America to reverse the late payment due to the situation and me not receiving notification on the payments. This was the reason the late payments were revered. I am asking for a reversal of the late payment to my credit report. How can you agree to reverse the late payment due to the error of me not receiving statements, but not reverse the credit reporting? I will continue to dispute this until it is resolved. Credit reporting needs to be reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have absolutely no idea what these accounts are, I have never opened a account with this creditors and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of this fraudulent account and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.
Product: Credit reporting or other personal consumer reports

I have identified incorrect information on my credit report under 15 USC 16c-2. The inaccuracies are negatively affecting my credit, and the inquiries listed were not authorized by me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX XXXX ID Type : Drivers License ID XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems report. I have never opened or used the following account numbers : 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 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 I dont recognize the following accounts in question. I am a victim of identity theft and I dont recognize these accounts on my report. I am requesting the following information be deleted from my Early Warning Consumer report immediately. I have attached a copy of the report to this request. 

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

I have attached two letters with accounts reporting inaccuracies and an FTC report with collections and inquiries which are fraudulent. Please delete and update my personal information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX and XXXX XXXX XXXX have robo harassed me in massive bulk, extorted me to no end, tried multiple times to excuse unlawful behaviour, even stated account info was incorrect- will not remove fraudulent information, and do not care- despite multiple lawsuits from the ftc. They operate out of five different offices, XXXX refutes all claims but has no factual basis backing thier replies. I can send people bills too- doesnt mean they are correct. XXXX XXXX, XXXX, XXXX XXXX XXXX  owes this debt. Debt is beyond statute. Other erros remain on my experian files- the data does not meet fcra nor fdcpa compliance.
Product: Credit card or prepaid card

On XX/XX/XXXX, I changed my XXXX payment process to auto-pay, and sucessfully paid the due amount of {$130.00}. Since XX/XX/XXXX, I was certain the auto had been set-up correctly. I never received any notice of an overdue payment, until XXXX reported a 30 day late to the credit bureau in XX/XX/2020. I never received any emails, phone calls or a letter/bill in the mail stating a previous months payment had not been received. I was never informed of any outstanding amount overdue from a previous month. My payment record with XXXX was excellent, and I would have made a manual payment sooner if XXXX would have contacted me. On XX/XX/XXXX, when I discovered the issue while looking at my credit as I prepared for my house purchase, I made an immediate manual payment of the total amount due for that month and the upcoming month totalling {$180.00}. When I tried to explain that I had no knowledge that I was behind on a payment, and that the auto-pay had been sucessful, XXXX did not want to hear it, and said it was all my fault. I was in disbelief and continued to contact XXXX in an effort to provide clear proof that there was no effort from XXXX to bring this to my attention, All my efforts were dismissed. On XX/XX/XXXX, I paid off the account in total for {$950.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the validity and reporting of a collection account listed on my credit report under the account name XXXX XXXX, account number XXXX. Upon reviewing my credit file, I have found inaccuracies and believe this account is being reported in violation of the Fair Credit Reporting Act ( FCRA ), Metro 2 guidelines, and CDIA standards.
Product: Debt collection

To Whom It May Concern, I have a collection account on my XXXX credit bureau file from the company, EOS CCA, XXXX XXXX XXXX XXXX, MA XXXX, account number listed as XXXX. Please be advised that I am disputing this information due to the fact that EOS CCA does not have a valid license/is not bonded in the state of Texas to collect debts. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. The attached copy states that a license/bond for EOS CCA, XXXX XXXX XXXX XXXX, MA XXXX, DOES NOT EXIST according to the Texas Secretary of State database of license/bonded debt collectors. I am requesting that you investigate this matter and delete from my credit file immediately. Your immediate response will be greatly appreciated.
Product: Debt collection

We were contacted by a " Mediation Services '' threatening to sue for breach of contract on a debt I dont recognize that they claim I agreed to 8 years ago and have never heard about since. They threatened to extort legal fees and penalties if I did not agree to pay within 24 hours. When attempting to contact them about this unknown debt they refused to give any information on the debt collector, what the debt was for, and demanded a credit card number before they would send us an email or letter showing said things. We refused to provide the card number they threatened thousands of dollars in legal and court fees and threatened my wifes medical license for refusing to pay.
Product: Debt collection

After numerous phone calls from XXXX XXXX XXXX for an alleged debt collection, the company sent me a letter since I would not give them personal information over the phone. The letter arrived on XX/XX/XXXX and states that I owe a debt to Toyota Motor Credit ( TMC ) and asks for {$370.00} as the amount due. My last business transaction with TMC ended in XX/XX/XXXXwith an auto lease termination and all charges paid in full ; no further communication from TMC was received after that. I called TMC on XX/XX/XXXX and spoke with an agent in their finance department who reviewed my account with them. The TMC agent stated that my account was closed and paid in full and that there were no flags attached indicating a dispute.
In my mind this is an attempt by XXXX to extract money from me for a bogus debt. Watch out for communication from XXXX and do your homework to verify that the alleged debt is real.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached is a copy of the XXXX XXXX XXXX XXXX  document dated XXXX showing my child support payments were applied to the delinquent debt owed. These payments were made to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida. 

XXXX  ; Experian and XXXX - are reporting incorrectly that the following accounts are in collections - partial account numbers : XXXX ; XXXX ; XXXX ; and XXXX. I have contacted the three bureaus regarding this incorrect reporting, but have not been able to get the issue resolved. This is a violation of the Fair Credit Reporting Act and this incorrect information is hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance : {$9900.00} ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX Bankruptcy XXXX # : XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance : {$2700.00} ; XXXX XXXX Balance : {$9900.00XXXX XXXX XXXX XXXX  Bankruptcy Reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am a victim of identity theft. I filed my Identity Theft Report with the Federal Trade Commission on XX/XX/2022, report # XXXX I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information to CRAs. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 

Please send me a letter explaining your findings and actions.
Product: Credit reporting or other personal consumer reports

My right to privacy is violated when private information is disclosed without my express authorization, and the transaction does not adhere to the Truth in Lending Act.
Product: Debt collection

NOTICE TO XXXX XXXX XXXX and XXXX XXXX XXXX of MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX Please take notice that this is a criminal investigation of the business practices of the above named, organization or other governmental unit, its agents, officers, employees, and attorneys to determine violations of the United States criminal laws. MIDLAND CREDIT MANAGEMENT XXXX XXXX XXXX and XXXX XXXX XXXX claim of collection of a purported debt appears to be founded upon a false record in violation of U.S.C. Title 18, Sec, 2073 ( falsifying records ) and further; uttering and possessing false obligations and counterfeit securities based upon the falsified records of U.S.C. Title l8, Sec. 471, 472, 473, and/or 513, and further : using corrupt business practices to make and possess false records and claim of obligation, not substantiated by truthful facts in violation of the Federal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C. Title 18 Sec. 1961 et. Seq. and further : using the U.S. Mail to present such fraud and false instruments amounting to Mail Fraud, criminal conduct falling under Title 18 U.S.C. Sec. 1341 Frauds and Swindles laws, and further sending mail with false and fictitious names, a criminal conduct falling under Title 18 U.S.C. Sec. 1842 - Fictitious Names THIS IS A WARMING TO MIDLAND CREDIT MANAGEMENT INC XXXX XXXX XXXX AND XXXX XXXX XXXX TO STOP YOUR ILLEGAL, EXTORTION AND RACKETERRING ACTIVITIES IMMEDIATELY OR FACE CRIMINAL CHARGES UNDER FEDERAL LAW. I DEMAND YOU TO COMPLY OR FACE LEGAL ACTIONS. 

NOTICE I am requesting an updated copy of my credit report.
Product: Credit reporting or other personal consumer reports

Pursuant to 12 C.F.R. 1022.142, I am entitled to have these illegitimate entries removed from my credit history. Enclosed, you will find supporting documentation that underscores the urgency and legitimacy of my request. 

The following entries are fraudulent and must be expunged from my credit report XXXX XXXX XXXX XXXXXXXX I NEVER BEEN LATE XXXX XXXX XXXX NOT MY ACCOUNT XXXX XXXX XXXX XXXX NOT MY ACCOUNT XXXX XXXX XXXXXXXX NOT MY ACCOUNT XXXX XXXX XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXXXXXX THIS IS NOT MY ACCOUNT The presence of these inaccuracies has caused significant distress and potential harm to my creditworthiness. I expect prompt attention to this matter and the removal of these entries within the legally mandated timeframe. 

Failure to address this issue satisfactorily will compel me to explore all available legal remedies to ensure the protection of my rights. 

I anticipate your immediate cooperation and confirmation of the removal of these fraudulent entries. 

Sincerely, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, XXXX XXXX XXXX filed a false claim against me in the District Court of Maryland for XXXX XXXX stating they were the owner of an account I had with Chase Bank in the amount of {$1000.00}. An Affidavit of Service was filed with the court made with false statements that the Process Server personally served me on XX/XX/XXXX, which is completely false. I was never served by this processor. A Bill of Sale was filed with the Courts which was dated XX/XX/XXXX and stated it is by and between XXXX XXXX XXXX XXXX XXXX, a Delaware limited liability company ( the " Seller '' ), and XXXX XXXX XXXX, a Delaware limited liability company ( the " Buyer '' ). The Bill of Sale is clearly from a junk debt buyer and does not mention my name, social security number, and original credit account with Chase Bank. XXXX XXXX XXXX is not the legal account owner of any accounts I previously had with Chase Bank. I was not an educated consumer and was intimidated after finding out I had a judgment against me and was receiving a notification that my wages were going to be garnished in XXXX of XXXX and I contacted the Attorneys, XXXX XXXX and XXXX, who represented XXXX XXXX XXXX according to the notice I received. I made payments to avoid a garnishment after the law firm used deceptive tactics to make me believe I owed them money. I had a lot of financial difficulties and could not afford to make payments continuously. I was not aware that XXXX XXXX XXXX was not the legal owner of my account until recently after my wages were garnished and I started doing legal research and found out XXXX XXXX XXXX had violated the Consumer Financial Protection Act of XXXX, the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act. XXXX XXXX and the attorneys representing them did not verify that the records, including the Bill of Sale were accurate and legal before filing a lawsuit against me and causing me mental anguish and emotional distress by garnishing my wages. They will not attempt to prove standing and are now refusing to provide me documentation I am requesting to prove they are the legal owner of my account and had a legal license as a collection agency in the State of Maryland.
Product: Checking or savings account

I received a " You just got paid early! '' notification from Wells Fargo that my biweekly direct deposit paycheck from XXXX XXXX was available and ready to use on XX/XX/XXXX at XXXX. The deposit was for {$1300.00} and another one for {$32.00}. This would not be the first time I received an early deposit. As normal, I went in and transferred {$430.00} to my bills account within the Wells Fargo app and went on with my day. The next day ( XX/XX/XXXX ) I show a ( XXXX ) balance on the same account my direct deposit went into. Outside of my other normal debit transactions I had for the XXXX, I knew I did not overspend anywhere close to my check to have a negative balance. I contacted Wells Fargo call center on XX/XX/XXXX only for the call center representative to relay the order of which it posted- which I can see in my app. The gray area was why Wells Fargo confirmed funds received ready to use on XX/XX/year> yet posted XXXX days later. I am fully aware XXXX XXXX is not aways guaranteed however if Wells Fargo is fronting money from the payor until actually received, I need to be explained why. Due to this confusion, I went to a branch only to be turned away. It's disheartening to still not have the issue resolved or explained throughly. XXXX seriously considering switching banks, as I can no longer tolerate the lack of common courtesy to escalate an issues and the unprofessional behavior I received not once, but twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax have violated my rights under Fair Credit Reporting Act. I have notified them by mail and phone that I am victim of identity theft. I have requested the following account be removed permanently from my report because it was opened fraudulently. XXXX XXXX XXXX Date Opened XX/XX/2021