23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Wells Fargo bank has begun a corrupt campaign against me in attempted retaliation for exposing their false business practices and their thefts and their lies against the CFPB, me, and others. They have begun doing things like identity theft, they have harassed me over the phone, they have lied about my account, they have lied to the police and the cfpb, I had to file a police report against them, multiple in fact, they started denying disputes without any reason or evidence in attempt to steal from me, they were abusive over the phone, they began doing criminal fraud against me, this all dates back to when I opened the account with them. Any disputes that they closed without giving the money back to me were done fraudulently by Wells Fargo, under false pretenses in a stalking, lying and criminal manner. They lied about several investigations and attempted to cover up the reality of the situation obviously. They began a campaign of criminal activity including attempted murder, making murder threats, lying to people about it, attempting to defame me, coercing and manipulating police and the cfpb, when the evidence was exposed they attempted to destroy it, when they were exposed they attempted to destroy themselves, they went completely insane and in rage and attempted trying to lash out at others about the material facts of their cases with the cfpb and in other capacities. They attempted a campaign of extortion against me and when the evidence was presented they attempted to deny it illegally and attempted to suppress the truth and made threats against lawsuits against them those threats were criminal in nature and range from murder threats to threats to steal money illegally under false pretenses. They are now totally exposed this is the truth. I'm a XXXX and this is what they were doing so it was a hate crime also against me over the course of several years.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and/or XXXX and/or Equifax have failed to address the issues on my credit report as follows : 1-XXXX XXXX and XXXX XXXX are both reporting collections for XXXX/XXXX XXXX ; thereby there are two collections regarding the one XXXX ... acct.

XXXX XXXX and XXXX XXXX are one and the same company ... .when I called and told them about this ... .each rep hung up. XXXX XXXX and XXXX XXXX are both reporting collections for XXXX/XXXX XXXX, which was charged off/tax deduction by XXXX/tax deduction NO CONTRACT ... .therefore there can be no collections ... .much less two in one companies collecting 2-XXXX XXXX  and XXXX XXXX each too, fall under the FRCA ... no contract/no debt,
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED 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 XXXXXX/XX/year>
Product: Debt collection

I, XXXX XXXX, a federally protected consumer, am lodging a complaint against SENTRY RECOVERY AND COLLECTION for engaging in abusive, deceptive, and unfair collection practices in the pursuit of credit extensions. Collaborating in a conspiracy with consumer reporting agencies to restrain trade and commerce, this debt collector has participated in XXXX activities. At no point have I granted this company consent to possess my nonpublic personal information. I disaffirm any alleged agreement or contract between myself as the consumer and the original creditor, whether implied or explicit. I categorize this account as a billing error and request documentary evidence of the obligor 's indebtedness.

This company violates the false claims act, putting my consumer credit reputation with other financial institutions at risk by fraudulently reporting this alleged debt to coerce payment. Any past or future payments are a consequence of threat, duress, and coercion, arising from undue influence. I assert my legal refusal to pay this debt in accordance with 15 U.S. Code 1692c ( c ). I demand an immediate cease and desist of all illegal activities, including communication and collection efforts related to this and any alleged debts until SENTRY RECOVERY AND COLLECTION can provide sufficient documentary evidence of my legal obligation to pay them. Failure to produce this evidence, coupled with continued collection efforts, will prompt litigation for actual damages caused. SENTRY RECOVERY AND COLLECTION shall be held liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT, and RICO Act.

Upon receiving the documents herein and this notice, you are hereby informed pursuant to UCC 1-202f. Your prompt attention and response to this matter are both requested and required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information is being reported to my personal credit file. The XXXX, XXXX and TransUnion Credit Reporting Agency have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX, XXXX and TransUnion have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following inquiries are inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute Request - Inaccurate Reporting of Collection Account by Wells Fargo ( Account Number : XXXX ) Dear Consumer Financial Protection Bureau XXXX I am writing to file a formal dispute regarding inaccurate information on my credit report, specifically related to a collection account reported by Wells Fargo ( Account Number : XXXX ). I have recently obtained my credit reports from XXXX, XXXX, and XXXX, and I have identified significant discrepancies in the reporting of the last active date for the same collection account across the three credit bureaus. 

Account Information : Creditor : Wells Fargo Account Number : XXXX Inaccurate Last Active Dates : XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This inconsistency in reporting last active dates is not only confusing but also violates the accuracy requirements outlined in the Fair Credit Reporting Act ( FCRA ). I believe that the discrepancies negatively impact my creditworthiness and may result in an inaccurate representation of my credit history. 

I kindly request that the Consumer Financial Protection Bureau conduct a thorough investigation into this matter and take appropriate action to rectify the inaccuracies in the reporting of the last active date for the Wells Fargo collection account. Specifically, I am requesting the deletion of this item to ensure that my credit reports accurately reflect my credit history. 

Enclosed with this letter, please find copies of the relevant sections of my credit reports from XXXX, XXXX, and XXXX, highlighting the discrepancies in the reporting of the last active date for the Wells Fargo collection account. Additionally, I am providing any supporting documentation that may assist in your investigation. 

I understand that the FCRA requires credit reporting agencies to investigate and correct inaccuracies within a reasonable time frame. I appreciate your prompt attention to this matter and request that you inform me of the results of your investigation in writing. 

Thank you for your assistance in resolving this dispute. I look forward to a swift and accurate resolution of this matter. 

Sincerely, XXXX XXXX
Product: Consumer Loan

XX/XX/XXXX, I purchased a Scion FR-S via XXXX from a XXXX XXXX XXXX XXXX d.b.a. XXXX XXXX of XXXX. They are ( were ) located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

The sender was the same exact Employee that took my required-after-auction WIN {$500.00} down payment. His name is XXXX XXXX. XXXX XXXX was my Salesman. 

It is now XX/XX/XXXX and I have nothing. Why? Because XXXX XXXX and his Manager ( Finance Mgr ) called me 8 days before my car was to arrive in XXXX, XXXX when I received a phone that I thought was a joke from XXXX XXXX 's Manager, when he called me directly and said he had bad news. The bad news? That in-transit, going through XXXX, the transit-truck they chose went up in flames and so did my Scion FR-S! From there, I called them at least two dozen times and asked what do I do now. What have other people done in this same incredibly unique situation? He said " you are not responsible for ANYTHING, Sir '' and " I will keep you closely informed. '' I then told XXXX XXXX and they could hardly believe it. Since then, NO ONE has compensated me a dime from XXXX who supposedly has an iron-clad guarantee, anyone at XXXX of XXXX or XXXX XXXX. The people that did contact me was XXXX ( XXXX ) continuing to call, mail, talk my neighbors and send repo vehicles to follow me day and night. I finally confronted one of them when they came and peered into my front house window and asked if this is matter is in regards to the car I never received. They said yes, and I assured them it was NEVER DELIVERED but had NO contacts for him. He said if I could call XXXX ( Roadloans ) using the phone # he carried with him, and put the XXXX rep on speaker and have her speak her name and confirm that no car was delivered, I would never hear from him again. I lost XXXX FICO points ( myFICO ), a repo on my record and my utilization is over XXXX because of this. Needless to say, I need immediate help as I am not able to purchase anything on credit. If this does not get resolved amicably by any party involved, I will not only have any choice but to file Bankruptcy XXXX & file suit against all negligent parties. I 'd like a police report, video they said they had and this removed from my credit reports immediately. Thank you.
Product: Payday loan, title loan, or personal loan

This company interest rate is very high on a XXXX dollar loan the rates is 675.88 % and fees every two weeks is XXXX and one payment miss it goes up to XXXX dollars iam like what thats not right and plus they using different loans id to debit my account and the force me to close my account because they said that they was n't legal and i need to contact the commissioner of ga.
Product: Mortgage

For the past 4 months, the legal representation for the Estate of XXXX XXXX, deceased, has been attempting to set up a line of communication between us and the lender. We have records that show that my attorneys have sent authorization attorney letters for XXXX XXXX to speak to Citizen 's Bank. The attorney letter states they represent the estate for the property and have the estate 's authorization to communicate with the bank on behalf of the estate. Again, these documents were sent to the lender, over 15 times in the past 3 months alone, from XX/XX/year> to now, XX/XX/year>. Citizen 's Bank, after refusing to give my attorneys authorization to speak with them, requested a death certificate, letters of office, and an additional authorization letter that authorizes our lawyer, XXXX XXXX. One week ago, they sent this in, and the law firm received an email confirmation stating that Citizen 's Bank had received the authorization. They called the lender yesterday, and were denied access to the account, told that Citizen 's Bank had not received any documentation from them whatsoever. It's not only XXXX XXXX that has had this issue with the lender, too. XXXX XXXX, our agent, had been attempting to gain authorization for 4 months before XXXX XXXX was taken onto the case by us. 4 months where XXXX would send in documentation, and then be told by Citizen 's that she was not authorized. Not once has Citizen 's attempted to reach out and fix this issue. All they continue to do is deny our representatives access to the account and push them away. It's as if they don't care that the house will be foreclosed, and by not giving our legal representation a line of communication, the house will be.

Please see the documents attached below, indicating ( in order ) : 1. The email chains, dating over the months between XXXX XXXX and the lender, all asking for authorization. Also please note the most recent email stating that the lender received the sent documentation, but still refuses to authorize our representation. Faxes and fax confirmations are also attached, showing what was sent, when, and that it was received by the lender. 

2. Signed attorney authorization letter, XXXX XXXX 's Death Certificate, the letters XXXX office- All the required documentation needed for XXXX XXXX to be authorized. 

3. The quit claim deed and mortgage for XXXX XXXX XXXX XXXX showing XXXX XXXX as the owner and borrower XXXX record. 

4. The entire package for the short sale, including : Contract, HUD, Listing Agreement, Proof of Funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is just troublesome! The Credit Bureaus have been ignoring my letters as well as their responsibility to comply with the FCRA section 605b! I have been sending dispute letters asking for the Credit Bureaus to remove the dispute accounts and information from my Credit Report for I believe I have been a victim of identity theft. The last letter I sent was dated XX/XX/2022 with complete attachments of my personal information such as my Driver 's license as well as the ID THEFT REPORT I received from the FTC. I have been a victim of identity theft and that the Items I am disputing were the results of such crime. By the provisions of the FCRA section 605b, I am submitting this CFPB Complaint to request that the Credit Bureaus remove the following fraudulent items completely from my Credit report as soon as possible : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$230.00XXXX XXXX XXXX XXXX (  Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$1400.00}. If the Credit Reporting Agencies feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX Date : XXXX Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Dear Sir/Madam XXXX I am writing to request the immediate removal of credit accounts associated with XXXX  account # : XXXX from my credit report. These accounts contain inaccurate information that is in direct violation of 15 USC 1681. Furthermore, I never provided written consent for [ XXXX ] to report my information, as required by 15 USC Code 602 ( a ). 

I kindly request your prompt intervention to ensure the swift removal of these erroneous accounts from my credit report. Your attention to this matter is greatly appreciated. 



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

This account # XXXX from CCS COLLECTIONS is paid in full. CCS COLLECTIONS refuses to remove from credit reporting. Original creditor XXXX XXXX XXXX  confirmed the debt is paid and no other obligations are being requested at this time.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed I had fraudulent activity and accounts on my report. Please remove these accounts off my report they are hurting my ability to obtain credit.
Product: Debt collection

Radius Global Solutions continues to call at XXXX XXXX XXXX each evening. It is a robot call with no operator and no ability to leave message. I called and told them i owe nothing and i have no debt. They continue to call and i can not block since they change numbers. How can i have FTC charge them? Called XX/XX/19
Product: Credit reporting or other personal consumer reports

I

am reaching out in a respectful manner to address the inaccuracies found in the information reported on my credit file. Despite the frustration I feel about this situation, I recognize that errors can inadvertently occur. I trust that you will take the necessary measures to promptly rectify this matter. The presence of these inaccurate late payment entries is negatively impacting my ability to secure the necessary credit, significantly lowering my credit score. Seeking guidance from professionals has confirmed the existence of legal safeguards designed to prevent the dissemination of inaccurate credit information. I approach this matter with utmost seriousness and I kindly request the swift removal of the late payment designations from my account.
Product: Credit reporting or other personal consumer reports

THESE INQUIRIES IS INCORRECT XXXX XXXX DEPT OF ED XXXX THESE INFORMATION IS INCORRECT, PLEASE VERIFY THESE ACCOUNTS XXXX XXXX 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

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

XXXXXXXX XXXX : account # XXXX XXXX : account # XXXX XXXX : account # XXXX XXXX : account # XXXX XXXX XXXX  : account # XXXX XXXX  XXXX : account # XXXX XXXXXXXX XXXX XXXX : account # XXXX XXXX XXXX : account # XXXX XXXX XXXX  XXXX account # XXXX TRANSUION has unauthorized information that remains on my credit file. I would like to file my CFPB complaint formally. 

I am writing to provide notice of these unauthorized accounts on my credit report. I have no knowledge of these accounts as they are not mine. I have been a victim of identity theft. Please remove these inaccurate unauthorized accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these erroneous account multiple times because I do not recognize this debt. The company did not preform a proper investigation therefore the account wasn't removed. The company insists that the account is mine although it is not. If there is an account with them in my name it is a result of theft. I have filed an identify theft report. There are XXXX accounts with XXXX XXXX. XXXX XXXX  XXXX Account number XXXX and XXXX XXXX  XXXX XXXX  Account number XXXX. In addition, the company keeps changing the charge off date. The charge off is over XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit freeze and thaw needs to be free. We didnt ask for these credit reporting companies to take our financial lives into their hands and it 's nothing less than extortion for them to charge money for it. 

XXXX changed their website after the Equifax crisis to make it harder to freeze your account and easier to pay for their " premiere protection ''. The public will not stand for this any longer.
Product: Credit reporting or other personal consumer reports

Fair Credit Reporting Act Title 15 15 of the United States Code, Section 1681 b, commonly referred to as " 15 USC 5 1681 b, '' is a part of the Fair Credit Reporting Act ( FCRA ) And also defamation of character. Remove all negative items from report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have occasionally tried to charge purchases on my XXXX credit card - those charges were refused due to a lack of funds. I understand this and try to add monies to the account ASAP. I am sure this happens to millions of consumers daily! 

What I do not understand, is that XXXX is reporting this to a credit agency ( Experian ), when it happens. If the card was refused- fine, I will try and correct it. But, why is XXXX reporting this to a credit agency ( see attached documentation )? This is having a negative effect on my credit score! It seems petty and spiteful. Is it perhaps because I have reported XXXX improprieties in the past? 

Please investigate and keep me informed of your progress. I will be in XXXX for the next few weeks and can best be reached by email. 

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

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$370.00} XXXX XXXX XXXX XXXX {$3800.00} XXXX   XXXX {$23000.00} XXXX XXXX {$300.00} XXXX XXXX XXXX {$770.00} XXXX XXXX XXXX XXXX {$280.00} XXXX XXXX {$770.00} XXXX XXXX XXXX {$720.00} XXXX XXXX   XXXX {$650.00} XXXX  XXXX {$5300.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I called Experian to file a dispute on my XXXX XXXX XXXX tradeline. The dispute was for the incorrect reporting of a 30 day late in XXXX XXXX and a 30 day late in XXXX XXXX. Experian stated that those dates were both reported as 30 day late payments from XXXX XXXX XXXX credit reporting department. On Monday XXXX XXXX, XXXX, I spoke to a representative in the President 's Office at XXXX XXXX XXXX and she confirmed with the credit reporting department that I was NOT 30 days late in the month of XXXX or XXXX XXXX, and that I was not late at all in the year XXXX. On XXXX XXXX, I submitted a written request to Experian Customer Support and someone named XXXX XXXX responded, I requested that a Manager from the Dispute Department to contact me and I have yet to receive a phone call or email from anyone at Experian. I received a letter from Experian dated XXXX XXXX, XXXX stating that " our reinvestigation of the dispute you recently submitted is now complete ''. How is the investigation complete and I just submitted to you on XXXX XXXX, XXXX?! I have called several times and XXXX XXXX XXXX is saying that it is Experian 's fault for ignoring the information that they are submitting to them with the monthly reporting information, and Experian is saying that it is XXXX XXXX XXXX 's fault because they are continuing to report my account as 30 days late for both XXXX and XXXX of XXXX. Experian is not contacting XXXX XXXX XXXX to obtain correct information from the actual Credit Reporting Department themselves, and XXXX is saying that the incorrect reporting is not their fault it 's Experian 's fault. This needs to be corrected and XXXX XXXX Credit Reporting department needs to send the correct payment history for XXXX to Experian, and Experian needs to report my information correctly. I have not been late on my account in over two and half years, and this situation is unfair and frustrating.