23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am writing to dispute an item on my credit report related to the account with CAINE & WEINER. The information provided by this collection agency is inaccurate and is negatively affecting my creditworthiness. I request that you investigate and correct this issue promptly. 

Details of the disputed item : - Creditor Name : CAINE & WEINER - Creditor Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX -Account Name CAINE & WEINER - Account Number : XXXX - Description of Inaccuracy : Collection agency has not provided validation information under 12 CFR 1006.34B5, yet they placed collections on my consumer report. I have not been given a chance to dispute the account according to 12 CFR 1006.34C4. The collection agency is violating my consumer rights by using false, misleading, misrepresenting, and deceptive means. They have no authority to furnish this account to a consumer reporting agency without providing all disclosures required by law, which is a clear violation of 12 CFR 1006.34D and 15 USC 1681S-27A. 
I hereby instructing you to cease collection of the debt until you resolve this possible reporting error with the creditor. I am asking that you do not contact me nor anyone else except the original creditor about this collection. 
In addition, I want to ensure that you are following the laws under the FDCPA ( Fair Debt Collection Practices Act, and FCRA, so I want to ensure that you do not prematurely report anything else to the bureaus until you have furnished proof to me that the account is valid. 

Also, I will need you to furnish the following items to ensure accuracy in the reporting. Failure to furnish the following information will result in me not accepting validity and accuracy in the account. Please furnish : Proof that you are licensed or legally authorized to collect on a debt in my state. Proof that you are licensed or legally authorized to collect on a debt in my state. Proof of your bonding agent in the event where I must seek counsel. Proof of your authority in the collection process. Proof that the original creditor authorized you to collect the debt on their behalf. The original creditors name. Details on when the account first went into a delinquent status since that is the dare required as OPEN DATE on the collection account I kindly request that you : 1. Conduct a thorough investigation into this matter. 
2. Correct any inaccuracies promptly. 
3. Provide me with written confirmation of the resolution. 

I understand that the Fair Credit Reporting Act ( FCRA ) requires you to investigate and respond within 15 days. I appreciate your attention to this matter and look forward to a swift resolution. 

Please do not contact me until you have collected and sent this information to me at the address on this letter. You do not have the authority to provide this address to the credit bureaus as an updated address for the account. If prior authorization was granted, I hereby revoke any authorization to discuss this account with any 3rd party such as my work, family, or anyone other than me. 

Please acknowledge that you have received this notice Thank you for your assistance.
Product: Vehicle loan or lease

I am being billed for a personal property tax for a state that I do not live in. 
I have contacted Kia to advise them that I bought the car in Missouri, but lived in Nevada. 
They continue to bill me for Missouri personal property tax, 2 years later. 
I have attempted to contact Kia customer service, they are unable to help. I have made an incident number complaint with no results, I have spoken to their collections department who continue to call. I sent all info proving I am registered in Nevada. 
No change! 
I have been physically to 3 dealerships and no one will help.
Product: Credit reporting or other personal consumer reports

I received an alert from XXXX and Transunion that XXXX XXXX XXXX had placed a collection on my credit report for the amount of {$350.00}. I immediately contacted the company to cease collection efforts as this collection account was fraudulent as my cellphones have always been under my business name and never my personal name. I sent a letter on XX/XX/year>. The company has failed to respond and is still reporting this fraudulent account. I have also disputed with XXXX and TransUnion. Both are still reporting the account without properly verifying the account.
Product: Mortgage

On XX/XX/2019 I submitted a complaint against wells fargo bank for removal of my PMI. I started the BPO process on XX/XX/2019. I requested my PMI be removed and reimbursed with interest for the amounts I paid from XX/XX/2019 through XX/XX/2019. As of XX/XX/XXXX, the PMI has been removed from my mortgage payment and I was reimbursed for 4 months of payments. However, I was not reimbursed for the full 5 months. I believe I am still owed an additional month of PMI premium reimbursement and I should be reimbursed with interest because the delays encountered were not my fault and it should have been resolved in a more timely and efficient manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not often request my credit reports last month i decides to do so. and i was surprised to see that XXXX XXXX XXXX XXXX in Utah place an item on my credit file. I send them a letter on XX/XX/2018 to get it removed from my credit file .On XX/XX/XXXX one member send me a letter with one piece of paper with signature that is not mine saying that they sold the account to a collector company so i have to contact the collector. I send him another letter and tell him that the account is fraud the signature appear not mine. At the same time i request them to send the the dealer address, phone number and name for me to be able to contact them. Instead of sending the information they call experian and Experian send me letter saying that they place a freeze on my credit file. On XX/XX/2018 another member send me a letter reporting that he is going to call the tree bureaus for repossession of the account. Before all that the account was showing on the comment that it's charge off. with all those discrepancies it still on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

These company are hitting my credit for no reason. Im not trying to open accounts. Its been like this for 2 years.
Product: Debt collection

Southwest Collection Service Inc sent me a notice ( dated XX/XX/XXXX ) in attempt to collect a debt that is not associated with myself. The amount of the debt is {$170.00} ( {$54.00} of this amount is interest ). The notice describes ambulance services provided to someone else on XX/XX/XXXX that Southwest says was not covered by medical insurance. The person who received ambulance service has an Explanation of Benefits ( from his secondary insurer XXXX XXXX XXXX ) which clearly states patient owes {$0.00}. The patients primary insurance also paid this debt three times over. Finally, Im not the person who received ambulance services, and this collection company can not legally hold me accountable for this debt, for which the amount owed is {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue just occurred the evening of XX/XX/2020. The location ; XXXX XXXX XXXX XXXX of XXXX, Oregon. I stopped in to do a bit of window shopping and get some pricing on a new Truck. I had my XXXX XXXX as a trade in along with a {$5000.00} deposit. They informed me that they would have to run a credit check. I advised the dealership that I was currently restoring my credit and that I could not have anymore hard inquiries on my report because I'm currently working on getting my VA home loan in order. That requires a minimal credit score in order to qualify. I've worked my XXXX off for the past 3 years to get to this point. The moment I get everything paid off and ready to move forward to the next phase, these guys pull this shady business. I authorized only one credit check to be processed, and that was through the Federal Credit union I use. I had already talked to my bank in advanced about my plans on trading in my car and financing it through them. All was agreed on, and I set out to find my new truck. I guess the dealership had other plans for my credit, because even after I had told them, a half dozen times, that my credit only had room for maybe one more hard inquiry before disqualifying my VA Loan. I guess none of that mattered to them, because they went ahead and decided to push through every inquiry they could to find a financial lender. They did find a bank that would finance me, but it wasn't the one I requested. In matter of fact, the bank I requested, wasn't even put in the inquiry list of potential financial options. I'm not sure how legal any of this is, but I feel as if I was just cheated out of 3 years of dedicated work fixing my credit and to build a life. I've contacted the Dealership and in the process of contacting the financial groups to inform them of the unauthorized credit inquiry that was falsely allowed to be processed. Permission was given to inquire about my credit report for only one institution. It seams I was purposely mislead and provided false information by the salesman in order to complete the transaction regardless the cost to the customer. Again, I gave verbal permission multiple times for only 1 hard inquiry and no more. I was very adamant, and was never told anything about the 10 other companies that would also be given access to my report. Just doesn't make any sense. Why would they be so selfish? Even after being told that my credit could not handle anything more then 1 hard inquiry, they made the choice for me and chose to proceed with running unauthorized reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Equifax to dispute a charge off deposit account that Ian being reported on my credit file. I have a letter from the credit union associated with then account that says that this item shouldnt be reported in my credit file. The credit union is willing to confirm that I do not currently have a charge off account with them. 

Equifax has failed to properly investigate this matter as I have sent them a letter from the credit union that says it should not be on my file. I will attach a copy of this letter to my complaint. The credit union is also willing to verify this information if contacted but they have not been contacted by Equifax. This account is also being reported as a delinquent account that had a charge off for XXXXXXXX XXXX and subsequent payment for XXXX XXXX that never happened. The credit union is not reporting this account so there must be a third party updating the account. I would like this account deleted from my credit file without delay.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I was contacted by someone claiming to be XXXX XXXX a hiring from XXXX XXXX XXXX. They told me about a job offer and that we could schedule the interview over XXXX. We then had a text interview where I was eventually hired and told I would be receiving a check to pay for my work supplies. I received a check on XX/XX/XXXX totaling {$3400.00}. I was then told to deposit the check and send what was available which totaled {$400.00}. I then was left with a negative account balance. I filed a complaint and claims with Wells Fargo # XXXX and a reference number # XXXX. I also filed a police report, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by XXXX XXXX. and they submitted some documents that did not verify that the debt belonged to me, the debt was opened at XXXX XXXX XXXX XXXX XXXX in the year XXXX, That company has malicious intent, they sold the debt to a collection company, unethical business tactics.
Product: Credit reporting

I submitted request for annual credit reports. I 'm going through a divorce with a certified sociopath and have received a collection bill for a XXXX card. I 've never had a XXXX card. After answering the security questions for Experian, it said that due to security issues they were unable to provide report??? However, there was no problem with XXXX or with XXXX. I need that report ASAP online. 
Thank you. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was employed at the XXXXXXXX XXXX Sheriff Department in XXXX Tn. I submitted a XXXX incident in XXXX of XXXX and an assault that resulted in XXXX XXXX. My employer retaliated immediately by using its influence with the TransUnion company, on XX/XX/XXXX, to publish false financial information in order to restrict my financial ability to get legal help. I did not give my employer written consent to contact TransUnion on XX/XX/XXXX. My former employer contact telephone number, XXXX is on the TransUnion report. The other number on the report, XXXX, belongs to me and I have had this number only a couple of years. My former employer had the financial power to have me falsely arrested and terminated on XX/XX/XXXX. The The XXXX XXXX Retirement Board immediately took my entire pension earning on XX/XX/XXXX also without my knowledge or consent. The XXXX XXXX Sheriff Department now refuse to furnish an affidavit of arrest that occurred on XX/XX/XXXX. The indictment # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has sent a refusal to investigate my credit file claiming a Suspicious Request which is a FCRA violation. XXXX and XXXX have started investigations based on the exact same request, I sent required information i.e. their internal file number. Additionally, Experians delays add up to more than 30 days which also violates FCRA rules. I plan to take legal action but I want to create a paper trail.
Product: Bank account or service

I have run into a problem with Synovus BankXXXX on XXXX Florida, XXXX, regarding an illegally honored check. I am a representative XXXX. It came to my attention that a payment we were supposed to get by the XXXX Insurance company never came, and upon further review discovered that this check was already honored and asked the XXXX records department for a copy of the cleared check, in which they provided. This check had BOTH the names of our client, XXXX XXXX, AND XXXX, on the Pay to the Order section. This check should have only been honored by Synovus if XXXX the proper endorsements were on the back of this check. We NEVER signed the back with our endorsement, when the majority of the check was supposed to be ours, yet it was still honored, and now we are out over {$8000.00}. If the check has XXXX names on it, it requires XXXX endorsements. This was not done. After calling Synovus bank for weeks on end and getting the same story about how thy cant do anything about it, the manager XXXX proceeded to tell me never to call back and that she was done with me. I need help taking legal action against this institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE INFORM AND PUT ON NOTICE THAT THESE ARE NOT MY ACCOUNTS THEY HAVE YET TO REMOVE THEM FROM MY CREDIT PROFILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

The official AnnualCreditReport website is intended to be an easily accessible way for consumers to review their credit reports from XXXX, XXXX, and XXXX each year. After entering my personal information on this website on XX/XX/2019, including my social security number, I was immediately notified by all three credit bureaus that they are unable to deliver my credit report online for some unexplained reason, and instead simply redirected me to either a phone number or a postal address. I could have reached out via these channels on my own without having to visit the AnnualCreditReport website and entering my SSN -- so what is the purpose of the AnnualCreditReport website? It seems to me that the credit bureaus are only on the AnnualCreditReport website to make it seem as though they are transparent and easy to reach, while they really are discouraging access to information by creating unnecessary hurdles for consumers to jump through.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC XXXX. 

Account name : XXXX XXXX Account XXXX XXXX According to the Fair Credit Reporting Act, whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, according to 15 USC XXXX ( e ) ( b ). 

According to 15 USC XXXX ( 5 ), they are supposed to treat inaccurate or unverifiable information by promptly deleting or modifying it. 

According to 15 USC XXXX, they are not supposed to furnish any information that is known or believed to be inaccurate.
Product: Checking or savings account

The account was NOT opened. I received a letter in the mail from Wells Fargo that they received an online application to open a new deposit account using my personal information. They were unable to successfully verify my identity, therefore, the application was denied and the account was not opened. I am concerned that this is related to the investigation into Wells Fargo employees opening fraudulent accounts to meet quotas.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA, credit bureaus must have a permissible purpose and the consumer 's consent before sharing their credit information with third parties. This consent must be provided in a separate, clear and conspicuous manner, and must be separate from any other agreement or contract. I have not provided them with my express written consent for the credit information in question to be shared with third parties, and therefore, thier reporting of this information is a clear violation of the FCRA. 

I would like to bring to your attention the following case law that supports my claim : In Swofford v. Eslinger, the court held that a consumer did not give his express written consent for his credit information to be shared with third parties when the consent was buried within another document and was not clear and conspicuous. 

In Hinkle v. Midland Credit Management, the court held that the defendant violated the FCRA by reporting information about the plaintiff 's account without her consent, despite the fact that the plaintiff had not provided her express written consent for the information to be reported. 


Address in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA, XXXX Accounts In question : - XXXX XXXX XXXXXXXX - XXXXXXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX
Product: Debt collection

auto insurance that was paid this company did not represent my interest in a accident without investigation by other company which they did n't report my side to the proper parties just wanted to close there case and settle i later dropped there insurance they tried to quick settle and did not replace my damage parts and inproper vehicle inspection. my monies were paid and they continued to send a final statement of monies owed by me i talked to them several times within that year and they would not provide proof of the XXXX dollars they say i owe them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX Auto Loan taken ut by XXXX XXXX XXXX Not XXXX XXXX, Should not show on my personal Account, Its paid by XXXX XXXX XXXX and not XXXX XXXX and the information is not correct and adversly affecting me
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 


Account name : CAPITAL ONE Account number : XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I called in and asked if I could make principal payments and was told yes, started making extra payments and notice all of my payments were being applied to interest and not principal. When I asked for the reason today, I was then told the only way to pay principal is to call on the same day as the actual payment and tell them to apply them the extra amount to the principal. I incur interest each day and they do not allow me to make payments to principal only.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of several inquiries listed on my credit report. These inquiries were made without my explicit consent, and I believe they violate my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( Permissible purposes of consumer reports ) and 15 U.S.C. 1681c-2 ( Limitations on information sharing ). 
The following inquiries are of concern : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

To whom it may concern, I submitted a complaint to the bureau regards to unauthorized use of my credit report. I sent letters in regards to this matter, its been over thirty days. The information that is being shared on the credit profile is inaccurate and is in violation of the law. I did not consent for that information to be listed, you did not have permissible purpose. I have rights to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I kept on telling Experian that they are disrepecting and diregarding Fair Credit Reporting Act laws and regulations. 

According to 15 USC 1681 i ( 5 ) The Credit Bureaus said everything was complete and accurate and I asked them how is that if the open date is wrong, the amount owed is wrong, the balances are wrong, and ALL comments are wrong! 

Then I ask them VIA certified mail # XXXX to provide me a description of the investigation according to 15 USC 1681i ( 7 ) and they never did. I have proof of mail I sent ( attached ).

Also according to 15 USC 1681 s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

This is violation after violation. The is causing me stress because I have no hope in this system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit to see a collection account from Enhanced Recovery for XXXX XXXX. This is incorrect reporting and I want to take action. I paid my final bill with XXXX and returned the equipment as requested. I did not leave a balance behind with this company. This has tarnished my credit, and the collection company never contacted me to verify or validate the debt. I filed both FTC and FCC complaints as well. Im also filing an attorney general complaint.