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

I have contacted Midland Funding, XXXX, XXXX, and XXXX   several times. I have sent multiple letters and made multiple phone calls. The account with Midland Funding is invalid, and inaccurate. The account is not mine. My data was compromised in the XXXX  data breech. XXXX, XXXX, XXXX  have failed to verify this account. I have not received any document as what method was used to verify this account. The bureaus have willfully reported negligent information despite being informed serval times.
Product: Credit reporting or other personal consumer reports

Im filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and XXXX
Product: Credit reporting or other personal consumer reports

A collection/charge-off was put on my credit report from XXXX XXXX XXXX for the amount of XXXX $ on XX/XX/year>. It says it is for a " XXXX XXXX XXXX ''. The account age was 2 years and 1 month. There is no report of any past due amount, payment dates, monthly payment, or credit limit.

I have never owned a credit card from this company. For the past two years, I have only had 3 major credit cards, two with XXXX XXXX and one with XXXX XXXX XXXX. 

The Lender Info is XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX This is having a negative affect on my credit score, I have already filed a dispute with XXXX. Can you please assist me with getting this removed?
Product: Credit reporting or other personal consumer reports

Transunion has stated that they would opt me out of reporting an account but it still being reported. See attached exhibits. The account goes as follows XXXX [ Account # XXXX ]. I demand that they remove it immediately.
Product: Student loan

My student loans entered repayment XX/XX/2023. I logged into the portal beginning XX/XX/2023 in an attempt to set up payment information. Their portal was unable to accommodate a XXXX bank account due to an unspecific error. 

On XX/XX/2023 I submitted a payment of {$300.00} using my bank account information for a payment date of XXXX payment was not processed due to an error that said : " We can't process your payment for XX/XX/2023 because today 's cutoff time as passed. Please select a different payment amount. '' This error is categorically incorrect because the payment date selected was NOT XX/XX/2023 - I changed the payment date to all kinds of different dates but it never resolved the bug. 

I sent an email to their customer support and the automatic form response read : " Were currently experiencing unprecedented email volume, which is preventing us from responding to your specific question ( s ). We apologize that we arent able to answer your individual email. '' I have attempted every week to make payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each of these payments results in the above error. I have attempted to call their customer service line on these dates, as well as many others. Each of these call attempts results in spending hours waiting only to eventually have the call disconnected. I have been unable to get in contact with ANYONE at Nelnet to process my payment while they wrack up late fees, interest fees, and a number of deregatory remarks and letters. Their system is FORCING these additional fees and remarks upon me because they will NOT accept my money. 

I have even attempting to pay off the entire amount of my student loan - only to have the system deny that payment too! I have been unable to get in contact with anyone at Nelnet for assistance despite multiple attempts. Nelnet is engaging in dark patterns and predatory behavior by not implementing a working payment system.
Product: Credit reporting

Equifax removed/corrected dates ( DoFD ) on a old XXXX account per this dispute. Several days later they restored back the old information with even earlier dates and worse payment information without the required notification that they were adding back the information they had previously removed under the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my personal information including name, social security number, address, birth date, driver 's license number, and possibly more. They allowed a data breach to occur in XX/XX/XXXX/XX/XX/XXXX 2017 due to GROSS NEGLIGENCE, and they confirmed I could be affected on their website, www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties they are responsible for up for " trial periods '' of their ID protection services. The negligent loss of personal information of nearly 200 million consumers is unconscionably unethical, and it is further unreasonable that they are not directly notifying every single person affected by this incident.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I began reviewing copies of my consumer reports with XXXX, XXXX, and XXXX, and I noticed that it is reporting an experience with STATE EMPLOYEES CREDIT UNION. The line of credit I have with STATE EMPLOYEES CREDIT UNION is characterized as utilization on my consumer reports. STATE EMPLOYEES CREDIT UNION IS ILLEGALLY REPORTING THIS EXPERIENCE ( utilization ) on my consumer reports. Regarding the : STATE EMPLOYEES CREDIT UNION credit card, STATE EMPLOYEES CREDIT UNION is in clear violation of the law. Pursuant to 15 USC 1681a 2 ( A ) ( 1 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES transactions or experiences between the consumer ( ME ) and the person ( STATE EMPLOYEES CREDIT UNION ) making the report is NOT INCLUDED on my consumer report. Utilization is an experience with the line of credit that was extended between the consumer ( ME ) and the person ( STATE EMPLOYEES CREDIT UNION ) that is making the report. CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports! STATE EMPLOYEES CREDIT UNION HAS VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience ( Utilization ) on my consumer reports which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. My consumer rights have been violated so I mailed a letter to STATE EMPLOYEES CREDIT UNION expressing my concerns via USPS tracking # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. The high credit or original amount is being reported inaccurately and inconsistently on all my 3B reports. How did that happen when this is from one and the same creditor? 
XXXX Account Number : XXXX Please remove tjis inaccurate account from my credit report.

For EXPERIAN 1. How is this collection/charged off account still show a balance amount on my report? It should be XXXX balanced. 
XXXX XXXX XXXX Account Number : 68 DELETE THIS FOR FCRA VIOLATION. 
2. Why am I looking at totally different amounts under high credit or original amount for this account? There even is a bureau reporting this at {$0.00}. That is not making any sense at all! 
XXXX/XXXX XXXX XXXX Account Number : XXXX Delete this obviously unverifed and unvalidate account. 
3. The high credit or original amount is being reported inaccurately and inconsistently on all my 3B reports. How did that happen when this is from one and the same creditor? 
XXXX Account Number : XXXX Please remove tjis inaccurate account from my credit report.

For TRANSUNION 1. How is this collection/charged off account still show a balance amount on my report? It should be XXXX balanced. 
XXXX XXXX XXXX Account Number : 68 DELETE THIS FOR FCRA VIOLATION. 
2. Why am I looking at totally different amounts under high credit or original amount for this account? There even is a bureau reporting this at {$0.00}. That is not making any sense at all! 
XXXX/XXXX XXXX XXXX Account Number : XXXX Delete this obviously unverifed and unvalidate account. 
3. The high credit or original amount is being reported inaccurately and inconsistently on all my 3B reports. How did that happen when this is from one and the same creditor? 
XXXX Account Number : XXXX Please remove tjis inaccurate account from my credit report.
Product: Debt collection

I have received several phone calls from what has appeared to be local numbers. No Caller ID was ever provided, and attempts to call back come back with disconnected numbers. At XXXX XXXX today, XX/XX/2019, I was finally able to answer a call live, and a representative from Credit Corp Solutions asked for a person other than myself. I repeatedly asked her to please remove my number, and she claimed that she did after basically arguing with me. At XXXX XXXX I received another call from a local number that I missed. At XXXX XXXX, i received yet another call from the SAME company. Credit Corp Solutions was advised to not contact a 3rd party ( myself ) again, and did so not once but twice. I spoke with a supervisor there - named XXXX, who assured me that my number was removed, but could not explain why I received two more calls. 
In reviewing your database of complaints, it appears that this company does this repeatedly to consumers. 
They have over 100 complaints filed against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was hacked and I used their tool to see if I was affected. I entered my last name and last 6 digits of my SSN. It said I was impacted.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate and unsatisfactory customer service, which violate the Consumer Financial Protection Act, and the Electronic Fund Transfer Act. Cash app did not investigate or use proper guidance to alleviate fraud on the Cash App platform in a timely mannor, leaving my account vulnerable. This has caused inconveniences and a large financial loss. Practices were deceptive, and I am seeking full redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account XXXX appears to be inaccurate or incomplete on my credit report and it only reports to Equifax XXXX The said account has violated my consumer rights in accordance with the Fair Credit Reporting Act. As mandated in 15 U.S. Code 1681i Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX and list of Inquiries XXXX XXXX5 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Mortgage

This year my home was in foreclosure and I applied for help through Save The Dream here in Ohio. I was approved for the assistance through the state. In XXXX of this year ( XXXX ) the state of Ohio sent the first payment of {$9600.00} to the mortgage company and a week or two later sent in another payment for the actual monthly mortgage. I moved back into the house on XX/XX/XXXX. Later on in XXXX the mortgage company called me and stated that they were short on the monthly payment and were only getting a partial payment, which isn't true. The mortgage company was taking the monthly payment and taking half of it and sending towards " other fees ''. I asked what those other fees were and they said Property Preservation and changing out the locks. I told them the property had not been maintained and that the grass had not been cut at all. there was trash in the driveway and in the yard. I then called Save The Dream here in Ohio and they told me to get a dollar amount from the mortgage company and that they ( Save The Dream ) would send a check for any fees or late charges that were due. I then called Village Capital and Investment LLC, which is the mortgage company and told them to give me a dollar amount that was owed. Now, before I go any further, back in XXXX when the state of Ohio sent the first check of {$9600.00}, Village Capital told me that I was CURRENT, and could move back into the house. Apparently CURRENT means something different to my mortgage company. So once i got the dollar amount from the mortgage company I called Save The Dream back and gave them the dollar amount and I was told by Save The Dream that they would send the check for the remaining balance. Now several months later, in XXXX ( XXXX ) I get another phone call from Village Capital stating that once again they only received a partial monthly payment. The mortgage company stated again that part of my payments were being used towards other fees. I told them that this was a situation that I had already handled several months prior in XXXX. So Village Capital is claiming that {$400.00} and some change is owed towards XXXX and I can't make a XXXX payment until Village Capital send the proper paperwork to Save The Dream Ohio. I reached out to Village Capital through email and told them it was their job to relay this information to Save The Dream. From XXXX till now, XXXX ( XXXX ) Village Capital has not once communicated with Save The Dream Ohio. And the motrgage company is always sure to make sure that they wait long enough to contact me so that there is ALWAYS late charges. I'm waiting on Save The Dream to get the paperwork from Village Capital so that Ohio can pay anything that is still owed from XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under! 5 USC 1681. 

XXXX : XXXX, XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report counting any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to an consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have autopay set up on my Gm Financial Lease account in the amount of {$400.00} per month. I Have most all of my bills set up on auto draft for ease of payment. I check my bank statements on my mobile app frequently, usually every day just to make sure everything looks good, balances, no fraudulent charges, etc. It was XXXX, 2018 that I realized that I don't remember seeing my GM financial autodraft lately, so I started looking a little more into and found that it hadn't been deducted for two months ( the only emails GM ever sent was saying my bill is available to view, which I don't find the need to login since it is on autodraft ). I immediately call GM financial and asked what was going on, she said ( to the best of my recollection ) that they had switched payment systems or it went down, messed up, either way, my autodraft was turned off. So I immediately paid the balance, and asked about the late charge on the account in the amount of {$20.00}. She said that since it was a mistake on their part that she would waive the fee. I was also concerned with my credit and she reassured me that it would not be an issue and wouldn't be reported since it was due to their mistake. All is well with the world and I go on with my business. Then, this morning, XX/XX/2018, I check my bank accounts as I usually do in the morning and randomly check my FICO score as I do every few months out of curiosity to find out the my credit score had dropped about 140 points. So fearing fraud I immediately login into XXXX to find that the GM account was showing 30 days late on two consecutive months. Either way, I call Gm financial to dispute the issue, the gentleman noted our conversation and referred me to report with the CRAs. I also asked him if he could see the notes the last time I had called in to find out about the lack of payments being withdrawn. He said he could she where she removed the late payment charge as a fault on their end ( not sure what else she noted ). I then call  the consumerfinance.gov number, the gentleman was helpful and referred me to this page to submit a request, walked me through what I should expect so here I am. I believe that is all the information and all I can remember at this time. I am sure I forgot something but attached you will find the GM financial statement showing where the late charge had been credited. Thank you
Product: Debt collection

The bureau has reported me to the credit bureau for a credit card I never opened. They say it was opened on XX/XX/2017 I was in the process of moving and didnt even have a mailing address so this was not me I have never received anything from this company and I checked my credit report and they have reported it.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after their investigation. I would like this item immediately re-investigated. These inaccuracies are highly injurious to my credit score. The information of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  never occured. This company has continued to violated my rights in accordance with The Fair Credit Reporting Act, Public Law 91-506, Title VI, Section 611, Subsection A-D, Please Provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report online and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Over the past year about XXXX has been stolen from account they have tellers there that appeared to be stealing stealing from my account and ascessing from the account information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, a natural human being and consumer, sent a follow suit letter to Experian on XX/XX/2022 regarding attached listed accounts. That tracking number is XXXX, which has a delivery date of XX/XX/2022. These accounts were not able to be verified by the other bureaus, therefore the accounts were removed. 
Today is XX/XX/2022 and Experian has chosen to ignore my request and continues to report false information on my credit report, therefore, causing harm to my creditworthiness and unwarranted stress to me mentally, physically, and financially. 
In that same letter, I requested documentation to support their frivolous claims, and that too has been ignored.
Product: Debt collection

XX/XX/XXXX, I had an agreement with Synchrony Bank Credit Card, to pay {$91.00}. a month for 5 years, with no interest or fees. They took my first payment while still on the phone, the day we made this agreement. The following month, I made the payment of {$91.00}. manually, online. However, on XX/XX/XXXX, Synchrony Bank took {$360.00}. from my bank account, and hit me with a {$39.00} insufficient funds fee. My bank was able to get the money back in my account, and then Synchrony Bank took another $ XXXX my bank, for the stopped payment. 
I called and spoke with XXXX, who reached out to Customer Service to see if those fees could be returned. XXXX advised me that they were unable to do so. 
Furthermore, at the same time this transpired, XXXX, I was hit with XXXX large fraud payments through my paypal account. 
Additionally, after speaking with XXXX at Synchrony Bank on Sunday, I've received multiple spam phone calls, and multiple emails regarding " automatic renewal '' fees for XXXX ( which I've never had ) and XXXX, which I do not have, nor have I had in recent years. These amount are both for several XXXX dollars, and the emails are saying these are processing today and tomorrow, XX/XX/XXXX. 
AND, I just notice XXXX XXXX messages in my spam, for XXXX XXXX " demo '' which I have not used. 
I can't help but feel these spam messages are related to my Synchrony Bank account. 
My payment for {$91.00}. is due today. I have not received any notice of this payment being due now. I am reluctant to keep making these payments with all that's gone on last month. I've had to change my bank account and debit card numbers ; which is still keeping me busy, making sure my bills, recuring payments and deposits are all updated with the new information.