23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

ERC Reference Number XXXX | Original creditor : XXXX XXXX XXXX ERC and XXXX XXXX XXXX continuously attempt to collect a debt from me that is not owed from an account that is not mine and refuse to provide any evidence of any contractual relationship between myself and them beyond a bill attributed to a " XXXX XXXX '' at the address " XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX '' despite that I have NEVER so much as been to the state of California, nevermind EVER residing there. XXXX XXXX is a common name combination and ERC and XXXX XXXX XXXX are negatively impacting my credit and are harassing me as a result of their own negligence. I do not owe XXXX XXXX XXXX/ERC the alleged debt. I never held the address alleged by XXXX XXXX XXXX/ERC, or any California address for that matter. XXXX XXXX XXXXXXXXERC refuse to provide any evidence of any contractual relationship.
Product: Debt collection

I first emailed company a need for letter of validation through their website as asked through their letter in mid XX/XX/year> they do not respond then sent me a email XX/XX/XXXX to pay them I called them on XX/XX/XXXX asked for a payment plan they would give me one and were rude and threatened to come after me
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) : XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Back in XXXX I found on my credit reports this XXXX collection. I have had it removed from my XXXX  report finally but now my XXXX and Experian are still screwed up. XXXX handled the XXXX  or it ' because I have credit monitor but they should handle it too. but here is the point. the address on the bill is not mine. I've never had XXXX nor would ever in my life would I now have. I would in my opinion have others never use XXXX has they lack the ability to fact check and I will continue to report them to every because I can find until this is resolved because this has caused me financial hardship. because I was in the process of combine debt and now it is even worse due to them. i should not have to be made victim twice for their stupidity. i should not be inconvenience for their inability to do their job.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX account number XXXX for XXXX has violated my rights. 
XXXX XXXX XXXX account number XXXX for credit one bank 15 U.S.C 1681 Section 602 A. states that i have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

Received IRS Tax Lien withdrawal letter and approval. Forwarded to all XXXX major credit reporting agencies. XXXX and XXXX removed without incident. XXXX has not removed after several attempts. They said they would remove, however only released the tax lien. Please see find attached the official/legal IRS Tax Lien withdrawal signed document
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate information in my credit report.
Product: Checking or savings account

On XX/XX/year> & XX/XX/year>, I applied for credit at Well Fargo application # XXXX. And I have been denied access to my credit according to Federal Reserve Act. Wells Fargo continue to mention that my approval is based upon other credits accounts, incomes qualification and what's on my consumer credit reports- which is clear discrimination. None of those factors shall not determine my access to credit, according to the Equal Credit Opportunity Act & the Federal Reserve Act. I gave my application along with Tender to obtain access to my credit, yet still denied. Wells Fargo is treating me like a minor, which is violate Equal Credit Opportunity Act, because I have the full capacity to contract with Wells Fargo. Wells Fargo is violate Security Exchange Commission Act, because in their indenture agreement with the SEC, it indicates that I can surrender a note collateral of debt securities in exchange for for payments. Wells Fargo is holding on to my security collateral and not processing it per my request. Which is in violation of the security agreement with Security Exchange Commission. Also, I have remove any Power of Attorney that I may have been given to Wells Fargo directly or indirectly, due to Wells Fargo not upholding their fiduciary duties, so they must honor my request and run my application & tender through the Federal Reserve. In good faith, I gave Wells Fargo value consideration with securities collateral and i am not receiving nothing in exchange is unacceptable Window. Wells Fargo, has NOT provided me with any legitimate or legal reason on how they can loose or take any financial lost with my securities collaterals, by honoring my request to access to my credit. Any security interest is mention in ALL their contracts & agreements. There is NO risk to Wells Fargo.
Product: Credit card or prepaid card

Direct Express, https : //www.usdirectexpress.com/how_it_works.html, is a XXXX for the Social Security Administration ( SSA ). Direct Express is a subsidiary of Comerica Bank, https : //www.comerica.com/about-us/company-overview.html. Direct Express delivers people 's SSA benefits to their Direct Express credit cards from which these customers can spend and receive their SSA benefit money. Direct Express represents to SSA that their credit card is a XXXX XXXX brand and that they abide by all the terms, conditions, and administrative procedures that the XXXX XXXX brand represents. In the course of customers attempting to communicate with Direct Express Customer Service about their existing accounts, some select Direct Express employees are engaged in perpetrating Identity Theft of customers ' confidential information. These select criminal Direct Express employees deploy a mode of operation where they will not allow conversation with the customers about their Direct Express accounts unless the customers provide most unnecessary confidential ID and Asset information, including all Credit Card Numbers, all Account PIN Numbers, specifics on all income sources, Account Numbers and PINs for all bank accounts and financial holdings, and all mailing addresses and phone numbers associated with all financial accounts. These procedures are way outside of XXXX XXXX brand guidelines, and in fact XXXX XXXX itself publishes that such tactics constitute attempts at Identity Theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was an auto loan that was a total loss. The account was paid by insurance and there was a left over balance. The left over balance was supposed to be paid by GAP insurance. It took GAP insurance about a year to pay the balance on this account. I called and disputed this account with Capital One Auto Finance because they were reporting this account past due and putting on my credit that this account was delinquent even though it was under dispute. I told them that GAP insurance was supposed to pay the balance and they said that I was still required to pay the monthly installment even though the account was under dispute. They continued to charge me interest on this account and by the time GAP insurance finally paid it about a year later, so much interest and other charges had acrued that there was still an unpaid balance after GAP concluded their payment because of the interest and late fees. 

This account was never closed, it is reporting as an installment account on my report. It was opened in XXXX of 2013 and yet they are still refusing to remove this account. I have asked them to remove the account and I was informed that this account still had a balance and thusly still stayed open even though it was a total loss and opened in 2013. This has destroyed my credit and my ability to get reasonable interest rates on other vehicles I was forced to lease because the car was a total loss. Not to mention the fact that this account, ( though it was previously removed from the credit reports and then was put back on the credit reports ), has reported every month delinquent since the total loss event to the most recent month even though the account was under dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid each companies in full for pay to delete and nothing has been removed they're still reporting on my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

According to 15 USC 1681 I have the right to privacy According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 4 accts that are onn my credit report that are not mine I have been disputing these with the bureaus as well as the furnishers as to why it is still on my credit report I have no clue if I have not opened these unknow accounts. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account Account Name : XXXX XXXX BANK Account Number : XXXX Reason : Unverified account Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Credit card

This account represent a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : CITIBANK , N.A . XXXX
Product: Credit reporting or other personal consumer reports

Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX I am writing to formally dispute the accuracy of several items listed on my credit report. After careful review, I have determined that the following inquiries and accounts are not mine and should be removed from my credit report immediately : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/XXXX Accounts : XXXXXXXX XXXX XXXX XXXX XXXX  Date opened : XX/XX/XXXXXXXX  Status : Paid, Closed. 

XXXX. XXXX XXXX Date opened : XX/XX/XXXXXXXX  It is evident that these items do not pertain to me, as I have never engaged in any financial transactions with the entities listed above. Furthermore, the address and names associated with these items do not match my personal information : Address : XXXX XXXXXXXX XXXX XXXX XXXX SC XXXX Resident type : Single family Names : XXXXXXXX XXXX XXXXXXXX XXXX XXXX I demand that Experian conduct a thorough investigation into these discrepancies and promptly remove the inaccurate items from my credit report in accordance with the Fair Credit Reporting Act. Additionally, I request written confirmation of the deletion of these items once the investigation is complete. Please consider this letter as a formal request for correction under the provisions of the Fair Credit Reporting Act, and kindly provide me with updates on the status of my dispute. Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Please remove the circled inquiries Experian is only one reporting it, Ive never dealt with these companies before as you can see on my report I dont do business with them please remove as soon as possible
Product: Student loan

ACS was the servicer of my old loan and XXXX took over the loan in 2014 and the balance was paid to XXXX . I filed a dispute with ACS because of incorrect payment history on my credit report. The dispute was finished and the some of the payment history was deleted but then then the loan turned into a collection with a XXXX balance, which is highly incorrect and illegal. The original loan balance was no more than XXXX so I know the balance is incorrect. ACS just put a random balance on my credit report. I need proof of this amount and I need ACS to send the paper info with all included loan balances and payments to me. This is highly against FCRA law and I 've file multiple disputes with them and the credit bureaus. I need ALL NEGATIVE payment info submitted by ACS to deleted ASAP.
Product: Mortgage

Ca n't find out who was the custodian of our payments made to loancare by the trustee. The loan was transferred XXXX XXXX however payments were still sent to loancare until XXXX XXXX. Mortgage payments errors were not reflected. Sent request to the company for account statements. Never received any statements since XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous disputes with Equifax regarding inaccurate information being from XXXX XXXX XXXX. The inaccuracies regards two closed and paid accounts reporting delinquent. These accounts were paid off in XXXX. XXXX XXXX stated they did not report the accounts delinquent. It's Equifax reporting the accounts delinquent and not updating accurate information. These accounts are reporting as late payments. WhiI have submitted with Exquifax to correct this since XX/XX/XXXX. The issue still is not resolved. Will you please help me resolve this issue. Equifax needs to correct this issue or delete the accounts. XXXX XXXX also stated the account was reported delinquent on XX/XX/XXXX. This account has been paid off since XXXX, so why did XXXX XXXX reported it delinquent in XX/XX/XXXX? I have been dealing with this issue over a year. Legal actions against both companies is the next step. It's against the law to report inaccurate information on consumers credit report. I have made numerous complaints with the Alabama Attorney General and Consumer Affairs both without resolution. This has to be resolved!
Product: Vehicle loan or lease

I am seeking for assistance to redeem the vehicle after a repossession. The company has told me they advanced the loan - and the only solution to redeem it and recover the vehicle would be to pay off in full and that is not available for me.
Product: Debt collection

This Company constantly is reporting a debt that I owe. I have never lived in the apartments and their stating I did by the point an apartment gave them inaccurate information. Its preventing me from getting an apartment. They ask me to fill out a form I am not comfortable with a debt collection agency reporting information about me. I understand According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) .an original contract and how whatever was owed came about so forth. Now All XXXX credit bureaus have removed this off my file but National credit systems are reporting this to XXXX. I spoke with them and all they are saying is they ask this company questions and they kept it on there. I refuse to pay are submit information to a debt collection agency. I would like to have this resolved.
Product: Debt collection

Plaintiff XXXX XXXX, has been subject to unlawful telephone practices by your company in the form of ( unwarranted or unauthorized ) cellular telephone calls by use of an auto dialer or ( XXXX ) in relation to debt collection practices. 

Defendant National Principal Group , LLC ( NP GROUP ) debt collection company called my personal cellular telephone numerous times without my prior express written consent trying to attempt to collect and alleged debt as consumer XXXX XXXX does not have a contract or account with the Defendant ( NP GROUP ) has demonstrated willful or knowing noncompliance with XXXX XXXX XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( XXXX ) by continuing to call Plaintiff XXXX XXXX private cellular phone numerous times before sending a prior express / written consent form which Plaintiff XXXX XXXX never authorized prior express / written consent to any of these unwarranted automatic telephone dialing systems, or ( ATDS ) cellular telephone calls with a total disregard of law and in violation of XXXX XXXX XXXX XXXX. 

Defendant ( s ) has demonstrated willful or knowing non-compliance with XXXX XXXX XXXX ( XXXX ) ( XXXX ) by calling Plaintiff XXXX XXXX wireless telephone number XXXX that has been placed on the National Do Not Call Registry ( DNC ) since XXXX XXXX, 2012, Plaintiff 's number, which is assigned to a cellular telephone service. A person whose number is on the Registry and has received more than one telephone solicitation within any twelve-month period by or on behalf of the same entity in violation of the TCPA can sue the violator and seek the same statutory damages available under XXXX XXXX XXXX ) - the greater of actual damages or {$500.00}, a figure that may be trebled {$1500.00} for willful or knowing violations. XXXX XXXX. XXXX XXXX XXXX ) ( XXXX ). 

Plaintiff ( NP GROUP ) harassed Plaintiff XXXX XXXX by making numerous cellular telephone debt collection calls without reading the XXXX Miranda / Mini Miranda as required by law for debt collectors. ( NP Group ) engaged in false and misleading representations in their communication in connection with debt collection to a third party.
Product: Checking or savings account

My name is XXXX XXXX XXXX i want to file a complaint against Wells Fargo i started using Wells Fargo in XXXX i have over the past 4 years been robbed of thousands. I opened the account because i had my Social Security XXXX deposited there the first year they treated me great i had and maintained a savings and a a secured credit card always paid on time. I am a XXXX year old XXXX man on a fixed income i have been fighting with the hardships of that damaged credit because of identity theft was XXXX because i was a victim of a home invasion i was home at the time i was robbed, beaten, tortured shot and thrown in the lake left for dead thinking a dead man wont mind they threw in a little Identity theft i suffer from severe panic attacks, XXXX, XXXX, Severe XXXX XXXX being terrified to leave my home its hard to find another bank i tried with fraud alerts the banks want your to come in person. Wells Fargo you are Evil all the money gone taken out of my account, direct deposits not posted, payments withdrawn never paid company my complaint my checking account account XXXX was closed on my XXXX birthday XX/XX/XXXX with a charge off of {$280.00} by Wells Fargo got the statement also a letter telling me i was reported to XXXX knowing that is a hardship banks wont mess with you with that on your reports but on XX/XX/XXXX after 2 months of losing my fixed income on fees added, direct deposits never posted i closed the savings, the secured card, and the checking all accounts in good standing was told i had 90 days access to records no no no access denied i was told my accounts were closed i could not check because of Wells Fargo why would you keep it open and because XXXX XXXX tried to charge a debit card i was told that it was closed you charge overdrafts not good enough stealing what you had stolen from me before you had to get a few dollars more and then close it XX/XX/XXXX the day of my XXXX XXXX birthday my complaint is simple Wells Fargo that charge off needs to be corrected and any information reported needs to be deleted or I will sue you, report you, do everything i can to cause you problems and hardships i promise you I wont stop .. So please fix this all accounts closed. the charge off removed and any derrogatory and untrue information reported please make it disappear like my money did and whatever we know your company did'nt do it or glitches just correct it please. XXXX XXXX XXXX
Product: Consumer Loan

I previously submitted a complaint on the Bank Of The West for not sending me information on my account including acknowledgement of my loan being paid off on XX/XX/XXXX and my not receiving the title to my vehicle which was Case # XXXX. The bank did reply after you contacted them however they have n't given me everything yet. 
After their original response I received another letter from them dated XX/XX/XXXX in which they stated that I will receive my Certificate of Title or Lien Satisfaction documentation in approximately 10 working days. Well it is XX/XX/XXXX and the 10 days have passed and to date I have not received the title to my automobile. I personally feel that they are purposely holding onto my title and I feel that they need to be taken to task over this and fined heavily for their total lack of competency. 
Their contact information is Bank of The West, XXXX., XXXX, CA XXXX and my paid up auto loan was XXXX
Product: Mortgage

PHH has proceeded with foreclosure despite the eviction moratorium - The scheduled sale date is XXXX, 2021. 
They deny me of all options to try and keep my home of XXXX. I am a XXXX old single woman with medical issues due to an on the job accident with XXXX XXXX ( currently in appeals court ). 
PHH has added over {$100000.00} in penalties to my loan making it not even worthwhile to sell. Can they do that? Is this negotiable? 
May I ask ... Is there a Mortgage forgiveness program available? And how do I qualify for a modification?
Product: Debt collection

This company keeps calling and emailing, more then 7 times in 7 days violating FDCPA