23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Dear WELLS FARGO and its Representatives, I have been searching high and low for some vital information. I have not been able to get this specific information from any customer service representative or through any online search through the Securities and Exchange Commission. I need the most correct, up to date information for the following as soon as possible. Please give me the correct contact information including the contact Name and Title of the person or Senior Officer, their correct phone number, mailing address, e-mail address, and fax number for this or these representative ( s ) from both departments as follows : Full contact information for your company 's Special and Restrictive Deposit Department AND Full contact information for your company 's Indentured Trustee. 


Please provide this information as quickly and accurately as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second complaint with CFPB against XXXX  regarding the SAME issue. There is incorrect information on my XXXX  credit report being reported to creditors. XXXX claims that it is not. 

Hello, My name is XXXX XXXX and I am contacting you with regard to an ongoing issue I have been having with XXXX. That credit bureau is reporting inaccurate information ( 2 recent payments ) on my credit report. This inaccurate reporting and overall failure to update, has resulted in my having been denied a credit limit increase with one of my creditors recently. I also anticipate starting the home buying process in the near future and can not have this inaccurate reporting be an issue. In XXXX of 2020, I submitted a request to the U.S. Department of Education, requesting that my student loans be consolidated ( thus bringing them out of default status ). That application was ultimately approved. In XXXX of 2020, I received the enclosed notification from ECMC, one of the holders of two of my previously defaulted loans. In that letter, ECMC acknowledged having received the payment required to bring the two student loans out of default status. ECMC has also updated those two accounts with the credit bureaus to reflect closed/paid. While I do not dispute those accounts as having been in collections, I am again disputing the inaccuracy of the reporting. XXXX  is currently reporting that in XXXX of 2020, I missed a payment on each of the loans that they were holding ( for a total of 2 ). This is incorrect. Per XXXX, XXXX is reporting a late payment within the past 6 months. I also have a premier subscription with XXXX  that provides 3 bureau monitoring. My XXXX data under that monitoring service ALSO lists a recent missed payment. That missed payment is ECMC. There were no missed payments and even when the account was in a default status, I had been making monthly payments for over a year.I have disputed this via phone ( XXXX of 2020 ), as well as online, but the information has not been accurately updated. On XX/XX/XXXX, I sent a letter to XXXX ( via certified mail ), asking that they make the necessary corrections and/or updates on their end. On XX/XX/2020, I contacted them via phone to request an update. I was informed that they do NOT see any recent missed payments on my credit report. I again explained the information that is listed on XXXX and XXXX. XXXX  instructed me to contact the credit monitoring providers. I contacted XXXX  Customer Care and they explained to me that they could only update Information as it is provided to them by the credit bureaus ( in this case, XXXX  ). I am stuck in the middle and can not seem to get this information corrected. I again applied for a credit limit increase with a creditor was again denied based on information contained in my XXXX file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove from credit sites asap
Product: Debt collection

Name of company : Portfolio Recovery 3rd Party Debt Collector Company repeated calling me 4-5 time a day on my work phone and on my cell phone I have them blocked on my cell phone but not on my work Phone. I have told them to Stop calling me at work. That does not detour them.
Over the last 6 months 4-5 times a day
Product: Debt collection

I pulled my credit report and did not know who this company, AD Astra Recovery was saying that I owed a debt to them from a XXXX  transaction. I have paid all of my debts so I asked them to validate the debt per my consumer rights protected by the Fair Debt Collection Practices Act. I sent them a Validation Demand on XX/XX/2019 asking for a contract, statements or detailed billing history to prove the debt was mine. 

I did not get a response. 

I disputed the account with the Credit Bureaus letting them know that this account was in violation of the law, the collector did not validate it, and asked them to remove it. All three credit bureaus said that this company AD Astra Recovery verified it and continue to report it. So I sent another Validation Demand to AD Astra Recovery to show me proof that this debt was mine on XX/XX/2019. 

I did not get a response. 

I again disputed with the credit bureaus letting them know that my rights were being violated, that this company is not complying with the FDCPA and for them to report a debt that the collector does not validate violates the Fair Credit Reporting Act. All three continue to report it and claim that AD Astra Recovery has certified that is correct and my debt. SO I sent a follow up letter on XX/XX/2019 to AD Astra Recovery asking them if they can certify it's mine with the credit bureaus why can they not send me the same certification? 

I did not get a response. 

I have read, while researching this account, that AD Astra Recovery often violates the law and does not comply with the FDCPA. What upsets me is that this is still on my credit report after multiple violations and that the credit bureaus refuse to recognize these violations. I have asked the credit bureaus to send me the proof from AD Astra Recovery that they are using to verify it and they refuse. I just get a generic letter that says it was verified without any information that proves it was verified by them. How can the credit bureaus also violate my rights and get away with it? 

I want this debt removed from my credit report for violating my consumer rights protected by Federal Laws FCRA, FACTA, FDCPA.
Product: Credit reporting or other personal consumer reports

I have carefully reviewed the information provided in the letter regarding the CFPB inquiry for the account of XXXX XXXX XXXX. Based on my analysis of the relevant case law, I would like to dispute several aspects of the response provided by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 

Firstly, the letter states that the account originated with XXXX XXXX, XXXX. on XX/XX/XXXX, and was subsequently charged off on XX/XX/XXXX with a balance of {$9800.00}. However, according to the case law established in Buchanan v. Northland Group , Inc., 776 F.3d 393 ( 6th Cir. 2015 ), the statute of limitations for collecting on a charged-off debt may be significantly shorter than the original contract period. Depending on the applicable state law, the statute of limitations could be as short as three years from the date of charge-off. If the current owner, XXXX XXXX XXXX, acquired the account after the expiration of the statute of limitations, they may not have a valid legal claim to collect on the debt.

Secondly, the letter states that the current owner, XXXX XXXX XXXX, is not currently reporting the account to the credit bureaus. However, according to the case law established in XXXX XXXX XXXX XXXX XXXX XXXX, 53 F.3d 708 ( 5th Cir. 1995 ), a debt collector 's failure to report a debt to credit bureaus may be considered a deceptive or unfair practice under the Fair Debt Collection Practices Act ( FDCPA ). If XXXX XXXX XXXX and XXXX XXXX XXXX XXXX have chosen not to report the debt to credit bureaus, they may be in violation of the FDCPA.

Lastly, the letter states that the current owner, XXXX XXXX XXXX, acquired all ownership rights, including the rights to collect on the account and to report to the credit bureaus, if eligible. However, the case law established in Henson v. Santander Consumer USA Inc., 137 S. Ct. 1718 ( 2017 ), suggests that the mere purchase of a debt does not automatically confer the status of " debt collector '' under the FDCPA. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX may need to provide additional evidence to demonstrate that they have the legal authority to collect on this debt and report it to credit bureaus.

In conclusion, based on the relevant case law, I believe there are several potential issues with the response provided by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX that should be further investigated.
Product: Debt collection

Section 392.101 of the XXXX XXXX XXXX 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.They have failed since my first letter went out on XX/XX/year>. They have failed to respond to the request for proof of the surety bond and all wet signatures of all parties involved. We have never conducted business with this company and have never given permission to anyone to sell or purchase our information.
Product: Credit reporting or other personal consumer reports

After reviewing m report i found many inaccuracies on my report the this is a violation of the fcra 1681 ( e ) ( b ) the law states that whenever a consumer reporting agency reports on a consumer report they should follow reasonable procedures to assure maximum possible accuracy of the information on a consumer report the following accounts reports late payments that need to be updated from late to current according to fcra : XXXX XXXXXXXX Acct # XXXX 30 days late from XXXXXXXX XXXX XXXX XXXX XXXX and 30 days late XXXX, XXXX XXXX XXXX, XXXX and 60 days late XXXX XXXX XXXXXXXX please update to current, XXXX XXXX  Acct # XXXX XXXX30 days late for XXXX XXXX60 days late for APR 90 days late for XXXX and 120 days late for XXXX XXXX XXXX XXXX XXXX  Acct # XXXX 30 days late XXXX of XXXXXXXX XXXX XXXX XXXX ss Acct # XXXX 30 days late XXXX of XXXX Also i found one unauthorized inquire on my report performance on XX/XX/XXXX please delete inaccurate inquiry
Product: Credit reporting

XXXX XXXX XXXX XXXX Loan {$40000.00} Currently closed was forgiven by XXXX in response to the Government lawsuit investigation regarding Financial Fraud during the XX/XX/XXXX Housing crisis. I would like it cleared from my credit report since it improperly reports as a foreclosure. I am including the forgiveness letter that I received in XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information reflected on my credit report. The information appears to violate my rights under the Fair Credit Reporting Act ( FCRA ) and should be removed or corrected promptly. The FCRA mandates that only accurate, complete, and verifiable information be included in credit reports ( 15 U.S.C. 1681e ( b ) ). 

1. Incorrect Accounts Several accounts listed on my credit report appear to be inaccurate, incomplete, or outdated. Under FCRA Section 1681i ( a ) ( 1 ), I am entitled to dispute information that I believe to be inaccurate, and the credit reporting agency is required to investigate the disputed information within 30 days. I have reason to believe that the following accounts do not belong to me, contain incorrect data, or should no longer be listed due to age or resolution : XXXX XXXX XXXX  - Balance : {$760.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$390.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$1000.00} - Account # : XXXX XXXX XXXX XXXX  - Balance : {$1800.00} - Account # : XXXX XXXX XXXX XXXX - Balance : {$1700.00} - Account # : XXXX As required under the FCRA, I request that these accounts be thoroughly investigated and either updated or removed from my credit report if found to be inaccurate. 

2. Unwarranted Inquiries I also dispute the following credit inquiries listed on my report. Under FCRA Section 1681b ( c ), credit inquiries must be made with my permission or under circumstances where I have applied for credit. If these inquiries were not authorized by me or do not meet the requirements for a legitimate credit inquiry, they should be removed from my report : XXXX XXXX XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX  ( 3 different times ), XXXX XXXX XXXX XXXXXXXX Please consider this my formal request for an investigation under the FCRA. If the items mentioned above are not removed or corrected, I will seek further action, including filing complaints with the CFPB and taking legal steps to enforce my rights under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize having any agreement with ATLAS CREDIT COMPANY and i am not liable for these accounts, This alleged debt is not mine i never enterted into signed agreement or completed an original contract with ATLAS CREDIT COMPANY .This inaccurate collection NOT MINE.I never provided any written consent or premissible purpose for this allege creditor to report on my credit report .I Am THE ORIGINAL CREDITOR and THE ONLY ONE who can extend credit or permission to report to my consumer report.This is a violation of us code 1681b premissible purposes of consumer reports.Pursuant to 15 u.s. code 1681b ( a ) ( 2 ) -permissible purpose, of consumer reports. ( A ) in general subject to subsection ( c ) any consumer reporter agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with written instructions of the consumer to whom it relates.This is a violation and also identity theft! 15 U.S.C 1681 c-2 - block of information resulting from identity theft.You have no rights under the law to send me any type of communication immediately.further more you are attemping to collect an alleged debt where so called oringal creditor has falsely represent character other violations under 15 usc 1692 e that are implementing your self. Violation :15 usc 1692b ( 5 ) ,15 usc 1692 ( 2 ) ( A ) ,15 usc 1692e ( 3 ) ,15 usc 1692 ( 10 ) ,15 usc 1692 ( 11 ) if your office fails to respond to this validation requst within 10 days from the date of your receipt, all references to this account must be deleted and completly removed from my consumer report or attorney general will be contacted
Product: Student loan

My private student loans have a balance of {$130.00}, XXXX. I attended school at a for profit college, XXXX ( XXXX ) in XXXX, GA. I was not aware of the paperwork I was signing as a young adult and I was lead to believe I was signing federal student loans and my loans would n't exceed a certain amount. I did not graduate with a degree in medicine or law so the amount is ridiculous for someone in my field. The lending practices of XXXX in conjunction with the private loan company are wrong and misleading to students.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the error : XXXX XXXX XXXX XXXX I don't have or even never have had an account with them.
Product: Student loan

Good morning my name is XXXX ( XXXX ) about XXXX I attended XXXX and took out loans to pay for my school. Fast forward to now I am currently being garnish by XXXX ( XXXX ) for the past 3years to pay my school loan. XXXXACS ( XXXX ) just sent a judgment to garnish my wages as well US department of Education is off-setting my taxes and they as well as these collection agency XXXX, XXXX, XXXX, U S DEPT OF ED/GSL/ATL, ACS/XXXX are on my credit report with XXXX All are claiming ownership of my loan with XXXX for close to {$13000.00}. How can XXXX collection agency collect on the same loan triple dipping ...?
Product: Credit reporting or other personal consumer reports

According to 15. U.S.C 1692C you have violated my rights by in lawful communications please remove all account/collection off of mg credit report. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor Information TITAN RECEIVABLES XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX The above company ( s ) has a collection on my credit reports and I have disputed it. It has been over 30 days and the credit bureaus have not given me a response. This is not my account and the account was opened fraudulently. These are not my accounts and the creditors are refusing to delete them from my credit report.
Product: Debt collection

New attempt at collection by 'Pollack and Rosen ' via email of previously resolved debt collection re : XXXX XXXX Email appears to be from a law firm but is not. Letterhead, etc. 
Previous debt collection resolved in my favor re : CFPB XXXX. Previous collection attempts related to goods stolen from me via shipping, ( now ) known dead drop address. New collection attempt after more than a year. Police reports, shipper investigations, ( more ) given to XXXX during previous CFPB filing. XXXX emails regarding 'balance ' on closed account continue. IRS alerted to XXXX false statements regarding income. XXXX agreed was in the wrong, IRS concluded XXXX was in the wrong. XXXX stated 'balance ' claims would stop. Began again after a few months. Now has filed another debt collection attempt.
Product: Vehicle loan or lease

On XX/XX/XXXX, I purchased a XXXX XXXX from XXXX XXXX XXXX with Mechanics Bank who financed the vehicle. From the very beginning, the car had major problems that I was unaware of and could not have known. In the first week after purchasing the car I was forced to return it back to XXXX XXXX while driving it the warning light came on " XXXX XXXX  '' the air suspension went out and the car lowered to an unsafe distance from the ground. XXXX XXXX XXXX sent the car out for repairs, however, two weeks after the repairs, the car lowered again to an unsafe distance to the ground. I had it towed to my local XXXX dealer, XXXX XXXX XXXX. When the tow truck arrived he was unable to line up the towlines on the front bumper, which appeared to be replaced and put on incorrectly. After the car was towed I reviewed the XXXX, though it had no accidents reported, there appeared to be a lot of work done on the car. As I called each company that had did repairs, this became a horror show, which each company stating that the car was not safe to drive, both bumpers had been painted over which rendered the sensors located in them useless. The previous technicians indicated that the car had been in an accident and appeared to be salvage. XXXX XXXX insisted I purchase an extended warranty which I did, however, I refused to use it to make repairs, as I felt they were preexisitiing and they would be made on my dime. I canceled the warranty in XX/XX/XXXX, however, the dealership held on to it until XX/XX/XXXX, after receiving the letter from my attorney they turned over the XXXX to Mechanics Bank. 
My complaint is against Mechanics Bank, as my attorney is dealing with XXXX XXXX XXXX. To finance this car for XXXX minus my down payment, a car salvaged not worth more than {$1500.00} at best, did not hold up to their financial obligations according to the FDIC. In addition, my car payments were misapplied I made my first payment to Mechanics bank and principal payment, however, the principal payment I requested was made to pay Mechanics Bank interest. As a consumer Mechanics Bank had a duty to protect their interest along with mine, which leads me to believe this fraud was done in concert between the two parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute an accounts fraudulently opened in my name. I am a victim of identity theft and did not open this account .I also am a victim of the XXXX and XXXX data breach. State issued ID have been compromised and my social security has been compromised. 
I am not responsible for any charges made to these XXXX XXXX XXXX XXXX XXXXXXXX mentioned accounts.
Product: Credit card

Review the attached documents. Initiate an investigation on these accounts where I have never been late, but they are erroneously reported as such.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX the natural person Consumer '' ), have become aware of ( multiple violations of Consumer Credit Protection laws by XXXX XXXX  ( " Debt Collector ' ), in connection with the collection of an alleged debt. I have suffered various abuses including, but not limited to, identity theft, misleading representations, harassment, and the use of obscene and profane language in connection with the collection of the alleged debt. 

Pursuant to 15 USC 1692e ( c ) and 15 USC 1692g ( b ), I dispute the alleged debt and am demanding that you cease all communication through any mediums unless it pertains to the validation of the alleged debt or remedy for violations that occurred. 

Remove the account XXXX XXXX  number XXXX i did not give consent or permission to furnish this on my consumer report
Product: Credit reporting or other personal consumer reports

I was absolutely stunned when I discovered incorrect accounts on my credit report this evening, and I cant figure out why theyre there. I check my report regularly, and this time I was shocked to see errors that appeared out of nowhere. I even refreshed my browser, thinking it might just be a glitch, but the errors remained. Im asking that the documents I submitted be thoroughly reviewed so I can have peace of mind and not worry about this happening again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX - XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filled a dispute in regards to the incorrect items on my credit report. It has been 30 days and i haven't received any investigation results.