23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX 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 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
Product: Debt collection

Jefferson Capital systems is attempting to collect on a debt not owed and paid to the original creditor already.
Product: Vehicle loan or lease

I was involved in a multi car accident of which my vehicle was the middle car of the XXXX car accident. My car was a total loss. The balance left on my car was about {$14000.00}. The auto insurance paid off {$10000.00} and i was informed from Carmax that my gap insurance will cover the remaining balance. Carmax contacted me about XXXX months laters stated my gap insurance is not going to cover because my license was expired ( i didn't know until carmax informed me ). For months i went back and forward with my gap insurance. About 3 years ago, they agreed to cover the balance because the contract did not specify about expired ( not suspended ) license. I waited and waited for them to pay it off but they did. Eventually i contacted them and they told me they're not covering the balance. " What a disappointment ) As years went on, I have been disputing for this accout to removed from my credit report. This account is XXXX  years and XXXX  months old. It is damaging my credit. I have suffered and fight this company long enough.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding my persistent efforts to correct a late open accounts on my credit file with your agency. Despite numerous attempts to address this issue, I have been met with continuous challenges and an unresponsive resolution process. 

I have made multiple good faith attempts to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ) and other applicable regulations. However, despite my best efforts, the late open account remains on my credit file, affecting my creditworthiness and financial stability. 

I respectfully request the following actions to be taken promptly : A thorough investigation of the late open account in question, including validation of the information with the creditor. 

If the account is found to be inaccurate, the immediate removal of the late open account from my credit report. 

A written confirmation from your agency acknowledging the correction of my credit file, once the issue has been resolved. 

A detailed explanation of the actions taken and the outcome of the investigation. 

I urge you to address this complaint as a matter of urgency. I understand that resolving such issues is essential for maintaining the integrity of credit reporting, and I trust that your agency will take the necessary steps to rectify this situation promptly. I am asking for your immediate assistance to correct these late open accounts : XXXX XXXX  XXXX Balance : {$490.00} ; XXXX XXXX XXXX XXXX XXXX : {$15.00}.
Product: Credit reporting or other personal consumer reports

The following companies did hard inquirys on my credit report and I had not reached out to any of them. Also, XXXX of the companies XXXX XXXX has an open account, spoke to them told them I was not aware of this and they didnt do nothing. I spoke to XXXX and XXXX they said they will remove it once I file this report. I have no knowledge of the below hard inquires listed below and the one with XXXX XXXX and that open account. There Were multiple different names and addresses on my reort also they remove with numerous amount of addresses also. 
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
Product: Debt collection

still, am receiving from DITECH FINANCIAL LLC that I have to pay for this debt collection when this debt already was pay off 12 years ago.
Product: Credit reporting or other personal consumer reports

Re : Complaint Regarding XXXX Data Breach and Violation of Consumer Protection Laws Dear Consumer Financial Protection Bureau, I am filing this formal complaint against XXXX XXXX XXXX regarding its failure to protect consumer data, resulting in the massive XXXX  data breach, which exposed sensitive personal information, including names, Social Security numbers, birth dates, addresses, and in some cases, drivers license numbers. Despite the passage of time, XXXX continues to mishandle consumer data and fails to provide sufficient remedies to affected individuals like myself. 
Facts of the Complaint Exposure of Personal Data : As a result of the XXXX breach, my personal information was exposed to unauthorized third parties without my consent. 
Failure to Notify in a Timely Manner : XXXX failed to notify affected consumers, including myself, in a timely and transparent manner, violating legal standards under the Fair Credit Reporting Act ( FCRA ), XXXX5 U.S.C. 1681 et seq. 
Inadequate Remediation : The remedies offered, such as free credit monitoring, are insufficient to mitigate the long-term risks of identity theft and fraud. 
Failure to Maintain Reasonable Security Practices : XXXX violated the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 ( b ), which requires financial institutions to protect the security and confidentiality of customer data. 
Ongoing Harm : Despite corrective measures, I have experienced fraudulent activity and credit issues as a direct consequence of the breach. 
Legal Violations Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 


1681b : XXXX failed to properly restrict access to consumer information. 
1681e : XXXX failed to implement adequate procedures to ensure consumer file accuracy and security. 
Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6801 et seq. 


6801 ( b ) : XXXX failed to implement safeguards to ensure the security of sensitive consumer data. 
Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5531 et seq. 


5531 ( a ) : XXXX engaged in unfair, deceptive, and abusive acts or practices ( UDAAPs ) by failing to disclose the breach promptly and misleading consumers about their security measures. 
Federal Trade Commission Act ( FTC Act ), 15 U.S.C. 45 ( a ) XXXX engaged in unfair and deceptive trade practices by failing to protect consumer data and not adequately notifying affected consumers.
Product: Mortgage

Mortgage payment increase of {$910.00} per month, a 58 % increase supposed due to escrow shortage. 
Taxes have not increased nor homeowner insurance. Every time I call I get a new reason znd incorrect info.
Product: Debt collection

XXXX XXXX XXXX reported a negative account in my credit report and never called or sent me any notification they had my account or what it was about. I closed an account with XXXX and paid my fees when I did it. Now XXXX Says I owe them more money which was never communicated to me by call, text, email or mail. They gave it to XXXX collections who didn't attempt to contact me at all. They just put a negative collection on my credit. I spoke with tmobile and resolved the situation but XXXX collection ruin my good credit score without making an attempt to clear anything up with me. I was with XXXX for 15 years and never had a late payment because I ran my business phone with them.
Product: Credit card or prepaid card

XXXX I received a response from a previous complaint ( CFPB Case # XXXX ) from XXXX XXXX/Corporate Consumer Relations with Synchrony Bank dated XX/XX/2022 stating that this account was placed XXXX  on XX/XX/2022. I called XXXX XXXX several times and there wasn't an answer or ability to leave a voicemail. Sometimes, I would just get a busy signal. I received absolutely no correspondence from XXXX. 

I called Synchrony Bank on XX/XX/2022. I also called XXXX as recommended by XXXX XXXX. I was told by XXXX that the account had been sold to XXXX on XX/XX/2022. There was a cease and assist noted on the account and that the account is inactive. I was calling to arrange a settlement to be made in payments according to my income and ability to pay.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX. A friend of mine in XXXX request a help of {$36.00} to send to buy medicine. I transfer the money for her by MoneyGram under Ref # XXXX. I do not know that this account was closed by my friend and no one have access to this account anymore. My money went and deposited to that close account. I call MoneyGram told them guys sorry this account is closed so please I need to refund back my money. They do invistigatioin for 3 month and then tell me that's it this Money already deposited. Ok but the account is closed, why I loss my money and nobody able to use it, no response from MoneyGram or and action. Say that's it we can not refund back this money .This kind of fraud.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against TransUnion regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX  XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Nature of Complaint : I submitted a dispute to TransUnion disputing a late payment reported by XXXX  XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment Made On Time : I made the payment on time as per my records. Please see the enclosed bank statement, which clearly shows that the payment was processed well before the due date.

Clerical Error : There may be a clerical error in the reporting process. The payment was not accurately recorded or credited to my account in a timely manner, leading to this erroneous late payment report. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TransUnion has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

In the process of buying and selling a home. The new lender pulled our credit report and found the mortgage was reported as a charge off. Credit report looks like we defaulted. The mortgage company stated that credit reporting on our account was turned off and they do not know why. The last phone conversation I had with the mortgage company on XXXX, I was told they used the same code on our account as they would for a charge off. We need the correct information on our credit report so we can buy and sell. The mortgage company has been unable to explain what and how this happened and how it will be resolved. They have been clear that all payments are being made and our account is in good standing.
Product: Credit reporting or other personal consumer reports

Despite my persistent efforts, these concerns persist. Your firm 's response to my credit report dispute dismisses my request for verification as " frivolous '' or " irrelevant. '' Should my initial request to verify these items, as detailed in my previous certified mail, be ignored, I will escalate the matter by filing a complaint with the Federal Trade Commission. It's essential for a reevaluation of the information to take place. I urge your firm to provide validation of the alleged items, particularly through documentation such as contracts, notes, or signatures. Failure to do so will necessitate the immediate removal of these disputed items from my credit report.
Product: Mortgage

My loan is a VA Loan. I was put on a COVID Assistance deferment since XX/XX/XXXX. I have now paid them what I owe them for the XXXX year. I still owe them for XXXX year. 
However, I became XXXX XXXX XXXX XXXX XXXX XXXX Vet as of XXXX. The tax exemption does not take effect until the following year XXXX. I believe there is an Escrow error and have submitted in writing for an Audit to be done. Carrington Mortgage, will not back date my Escrow since my property taxes went from {$8000.00} in XXXX to now {$780.00} in XXXX. My XXXXXXXX  Mortgage payment was {$3100.00}. After an Escrow Analysis done on XXXX, my Mortgage payment should be {$2200.00}. Carrington wants me to back pay them {$3100.00} for the XXXX year instead of {$2200.00} a year.
Product: Credit reporting or other personal consumer reports

House property XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : XXXX ISSUES : XXXX. I am on the DEED, but my soon to be XXXX husband XXXX XXXX is the ONLY XXXX on the mortgage XXXX XXXX XXXX ). I have been paying the mortgage every month in full for XXXX year, but my payments just make my husband 's credit score better. XXXX XXXX needs to CONTACT Equifax, XXXX and XXXX and TELL THEM I AM PAYING THE MORTAGE SO MY CREDIT SCORE GETS BETTER AND NOT HIS. THEY THEN NEED TO TELL Equifax, XXXX and XXXX that XXXX XXXX is NOT paying the mortgage so they can remove all kudos to him. XXXX XXXX can produce to you the CHECKS from MY ONLY bank account ending in XXXX XXXX XXXX 

XXXX. XXXX XXXX XXXX TO TRANSFER THE MORTGAGE TO ME at the same percentage rate becuase I have been paying it anyway.
Product: Debt collection

I have been over sea with my company from XX/XX/XXXX- XX/XX/XXXX. And I have a collection company Phoenix Financial Service Trying to collect a medical debit for {$2400.00} from XX/XX/XXXX I was never in a medical ins tuition. this is a fraudulent account and want it removed from my credit
Product: Credit card or prepaid card

I set up auto payment when I got the Kohl 's card last fall. Each month I have had issues where the payment gets rejected and I am charged a late fee. When I go into my account the auto pay settings disappear and have to set it up again - even though the customer service person shows it has been set up numerous times. Their system does not allow you to set your payment date prior to the due date so that any issues can be addressed before the payment is considered late, notifications are only sent once a payment is late. Every month I have called Kohls to address this problem. They have told me I am entering my card in incorrectly and there's nothing they can do. I have double checked my account numbers to assure they are correct, and it shows a verified XXXX XXXX XXXX account after it is entered. They claim there aren't any reported issues with their autopay, but this has happened 3 months in a row and has not negatively impacted my credit score. I love the in store benefits of this card but am tired of the constant problems trying to pay the balance. It shouldn't be this difficult or time consuming to pay a bill. Please address these issues and improve your online experience.
Product: Credit reporting

My name is XXXX XXXX XXXX. recently I checked credit wise online and found a loan for XXXX dollars from XXXX XXXX. I never got a loan or bought anything from this company or leased anything from this company. I am in the process of diputing this information
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion Consumer Solutions, XXXX XXXX XXXX, XXXX, PA XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX XXXX 
XXXX, XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern, This letter is a follow up to my original letter dated ( insert date of original letter ) regarding an inaccuracy in your credit reporting. Specifically as it relates to credit inquiries that I did not authorize, made by the following companies : 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 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/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance.

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX
Product: Checking or savings account

{$280.00} dispute they said credit was issued on XX/XX/XXXX but i didn't receive it. On XX/XX/XXXX I received two more emails stating I got two more credits for {$200.00} and {$180.00} which I never received I also had a {$640.00} refund from XXXX I have been waiting on I haven't received either and they have told me they can see it but nothing else until the transaction clears well they closed my account over night and now won't give me any of my money back. I also did a deposit from square for {$800.00} that hasn't been added to my account. I have a XXXX XXXX XXXX that was born with XXXX XXXX XXXX. His XXXX  is {$1200.00} twice a month I don't get paid for two more weeks. They closed my account shouldn't they haven't given me my money. Without the XXXXXXXX XXXX XXXX XXXX. That's my money and I want it since they closed my account.this is not right it's disgusting
Product: Debt collection

I received a debt collection from FCO XXXX XXXX XXXX XXXX  XXXX, XXXX, MD XXXX # XXXX Acct # XXXX for XXXX  on the XXXX XXXX XXXX XXXX for {$170.00} I called XXXX credit bureau and they said, " This is wierd, they only have a name and address, nothing else!. They removed it from my credit report. I tried calling the company and spoke to XXXX ; it is for an apt . complex in XXXX florida ( XXXX XXXX XXXX ) .It occured on XX/XX/2015. Apparently someone tried to rent an apt using pieces of  my information. the fee is for application, administrative fee, and NSF.I asked for documentation from the apt . community ; what proof of ID, etc. Since I refuse to give them even my phone number ; I was to call them back a few days later. I then got XXXX XXXX ; he refused to look into the information unless I provided my soc. sec. # and b/d. I said no way XXXX! I explained they didn't have the real info when they attempted to put it on my credit report ; I asked what have you done to verify anything. 
I get real annoyed when someone gets sneaky with my information. I have never bounced a check, paid a bill late, and have excellent credit!
Product: Student loan

I found a loan on my credit report that I knew had been paid in full. On my credit report it is listed as unpaid for the full XXXX dollar amount. I contacted Heartland ECSI and they directed me to their website to print any statements. The problem, however is the most recent statement available on their website is from XX/XX/2017 and in that statement it says I owe the full XXXX dollars. I paid them the full XXXX on XX/XX/2017, however there is no statement after XX/XX/2017 that says my money was received and the balance is XXXX. All I wanted was a form showing the XXXX balance so I could send that to the credit agency and get this resolved. Instead they made me feel like a dead beat. This service company is criminal. They cause immense amounts of stress and overall life disruption with their sloppy practices. This all happens and the consumer ultimately pays the price.
Product: Credit reporting or other personal consumer reports

I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputedentries. 
Account Name : XXXX XXXX Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XX/XX//2025 XXXX XXXX XXXX/XXXX/2025