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

I was a victim in the Equifax security breach in which they were ordered to settle with those impacted. I have despite this not being my fault and yet affecting me in a major and negative way Equifax has the nerve to continue to delete my submittal for a lump sum payment. I have entered all the months and hours per month in which I feel I have been trying to regain my identity and life back. How is it legal for the to state you can get up to XXXX in a lump sum if you can prove you were trying to resolve how you were affected by a breach we weren't even aware of until recently? So now we have to go back to XXXX and proceed forward to look for receipts and calculate mileage we didn't even know we would need in the time frame of XXXX in order for us to be compensated for what was done to us. This world is insane. The proof should be when you enter your last name and last 7 of your social and it states you were impacted you should get your XXXX tax free with no hassle. However, I took the time more than once to enter in all the months and hours I feel I worked on trying to resolve this issue with the credit bureaus and provided a legal, honest and logical explanation of why it is insane for them to ask people they violated to provide evidence we didn't know we would need, all so they don't have to pay out in a lawsuit. So despite me having a file number when I enter it in the system to search now nothing comes up. So legally Equifax is ordered by law to pay the victims, comes up with a bogus way to determine how much they will pay, and then deletes your case number so you can't check the status of your claim so they don't have to pay you at all. This world is full of crooks in positions of authority and that is disgusting. I will not file that breach form again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report, and after carefully going over everything on my report i noticed their were a bunch of unauthorized inquires on my report. I Sent Equifax two letters disputing the information that they are reporting. I sent my first communication to them on XX/XX/2018I received a response from them advising me that they validated the information and to contact the creditor directly. I sent another communication on XX/XX/XXXX and received the same response. so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute.. In addition, as part of your investigation, please send names, business address and phone numbers of those who made unauthorized credit inquires so I may contact them directly. I am asking for this because my credit is being unjustly degraded because of these unauthorized inquiries. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter.
Product: Debt collection

I had a previous complaint on this matter that you can look up if needed. Now XXXX XXXX XXXX XXXX through their Attorney Gurstel Law P.C XXXX XXXX XXXX XXXX XXXX XXXX, MN telephone number XXXX have a lawsuit against me for {$10000.00} minus {$25.00} for credit, NOT payments but credits that they say were extended on or before XX/XX/XXXX ( time line is very suspicious for Statute of Limitations ). I mailed ( certified ) them the ANSWER within the time limit and then mailed them ( certified ) Notice of Discovery and Request for Production of Documents. I had a hearing last week and the Judge has set summary of Judgement for XX/XX/XXXX. I have now received their ANSWER for Production of Documents. They do not have a Contract of any kind. I asked specifically for the date of last payment on questioned debt and received a paper stating specifically the last payment date of XX/XX/XXXX, ( I have tried to attach the photo of the paper showing Client Last Paid Date but your system keeps timing out, if needed I can try again later through email if you would like to see it ) I have neither spoken to or by mail or any other means discussed questioned debt with ANYONE. I now believe, after receiving their ANSWER for Production of Documents both XX/XX/XXXX and their Attorney Gurstel Law P.C. have knowledge that the Statute of Limitations ( 6 yrs in MN ) has passed. I did state Statute of Limitations in my first ANSWER to them also. I feel I am being harassed by both XX/XX/XXXX and their Attorney Gurstel Law P.C. I am now involved in a lawsuit that is costing me time, money and mental anguish that never should have been started had they looked at the FACTS.
Product: Student loan

I applied for the Public Student Loan Forgiveness program and was denied. I have been in XXXX XXXX  for about XXXX XXXX which consists of XXXXXXXX XXXX at the XXXX XXXX and about XXXX XXXX for the XXXX XXXX. There was no explanation for denial and I qualify for this program. I was told to consolidate my loans in order to qualify which I did and still got denied. Every time I call in a different rep tells me something different. Everyone is on a different page with no clarity. Can someone look into my account and see what's going on. I will be contacting congress as well for some assistance on my issue.
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and 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 XX/XX/XXXX
Product: Student loan

I have been making regular payments every month to mohela and seeing my principal decrease while my loans were put into forbearance while Mohela was transfering to a different website. I have a DL consolidated subsidized and DL consolidated unsubsized loan, and while making my patients I paid off all of my unsubsized loan amount and was left with {$12000.00} which is the amount on my studentaid.gov account as well. A few days ago roughly on XXXX XXXX, 2024, I logged into mohela.studentaid.gov and my loan amount had increased by another {$5000.00} that was placed in my SL consolidated unsubsidized loan amount. I tried calling the loan servicer and my concerns were stated to be documented but I would need to be transferred on phone to someone else that can help me. I was once again just rerouted back to customer service which was the last service I had just spoken to, and they were unable to provide any resolution. I am wondering what I can do since I was given no explanation on why my loan amount increased.
Product: Mortgage

In XXXX of 2022, I contacted Mr. Cooper Home Loans which services my mortgage loan to see about having my PMI removed as home values have risen substantially within my neighborhood. At the time, they said I would need to do an appraisal or have substantial improvements. I chose not to act at that time. 

On XX/XX/XXXX of 2022, I contacted Mr. Cooper Home Loans as I got my tax bill which places my FMV at XXXX, which would mean an appraisal should come in at more than this and put me below an 80 % LTV and allow the removal of PMI. This time, they told me they would not even submit an appraisal without me proving that I had substantial improvements to my home. They could not give me a list of what this included other than things like adding square footage or replacing flooring. I have done improvements in the home but they could not tell me if they would qualify.
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 XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : XXXX XXXXXXXX, Account name : 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 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 informationisinaccurate. 
Please remove these Inquiries from my credit report.
Product: Credit card or prepaid card

Why Chase is doing are doing DECEPTION and SCAMS!! I did bought an item on Amazon on XX/XX/2020 with they offer 18 months of interest free over {$500.00} ( AMZN Mktp   XXXX Amzn.com/bill WA XXXX ) and now I don't have that option just because I bought another item on XX/XX/2020 from another store XXXX AMZ*XXXX service @ XXXX NY XXXX ) and I did return the item and the credit is apply to my deal of no interest for 18 months this is a SCAM just because Chase have a system that any payment id apply to the lower rate, but this was not a payment it was a return credit. I Just want Chase to comply with there deals. I just make a payment to pay amount of {$210.00} and the card account is almost pay of because I don't want to be charged with interest.
Product: Debt collection

Reference previous complaint XXXX. The agency never complied with regulations nor did they do any of the things that they said they would do in the response to the CFPB. They continue to report to the Credit Reporting Agencies erroneously and illegally. None of the folllowing happened as they said it would nor have they addressed any of the information I originally asked for the in the original request nor provided written verification to any of my original questions. None of the below mentioned actions were taken by the agency : Upon receiving notification of your complaint Midwest Recovery Systems has reviewed your account. It was found that your account was placed in our office on XX/XX/XXXX by our client XXXX XXXX XXXX. We show this account was originally opened with XXXX XXXX XXXX on XX/XX/XXXX and went delinquent on XX/XX/XXXX. We show there has not been communication regarding this account. After reviewing your complaint Midwest Recovery Systems has placed your account in a Dispute status and sent notification to the credit reporting agencies to update this account as disputed on your credit report. We have also requested the validation documentation from our client. Our process is as follows : Upon receiving notification of a dispute or request for validation. Whether the request is verbal, written, or electronic the account will be changed to a DISP ( dispute status ). The status change will trigger a notification to be sent to the credit reporting agencies. The status will also let our Dispute Resolution team know to review and request validation from the client that placed the account with us. Once we receive the documents, we mail them to either the address on file or one you requested. The account will then be place on hold for 10 days allowing you to receive and review the validation. After 10 days we will call and follow up to make sure you received what was requested and go through them together. In the event our client does not produce the validation documents within 23-25 days from the date of request, MRS will change your account to a UTV ( Unable to Verify ) status, close and return the account to our client and send a deletion record known as a DR to the CRAs upon our next reporting which is weekly ( generally on Sunday ). Normally there is a larger window for clients to return the documents. However, MRS does not and will not continue to report a debt to the Credit Reporting Agencies where we have received or believe there is a discrepancy. If there are any questions, please contact our office at XXXX. You may also email us at XXXX- MRS Complaint Resolution Team.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I attempted to place a freeze on my credit through Equifax. I was not able to authenticate through their website so I mailed and uploaded all the salient documentation. I never received the 10 digit PIN that was supposed to come in the mail. 

Today, XX/XX/XXXX, I tried to remove the freeze, while sitting in the business office of XXXX XXXX in MI. Having sent in all the relevant paperwork I figured I should be able to authenticate on the website. I was not and the system placed a block on my attempt to unfreeze my credit. I spoke with a representative and received no results. Even after answering all of their validation questions, I was told I would have to send in all the same information I had sent before. 

Upon returning home, I found the last credit report I have from Equifax, which is dated XX/XX/XXXX. I realized that they have a last name for me that I have not used since my divorce in XXXX. I feel as if I am being penalized and inconvenienced for the inaccuracy and antiquity of their data. 

Given their extremely " short '' customer service hours, I will try again tomorrow to speak with a " live '' person and once again prove that I am whom I say I am. 

Credit bureaus have far too much power over the events that shape our lives to have faulty misinformation as the basis for their decisions.
Product: Payday loan, title loan, personal loan, or advance loan

I had solar panels installed through XXXX well over a year ago. Good Leap did the financing of this fraud. I have reached out to XXXX as well as Good Leap multiple times. 
XXXX XXXX is only concerning with getting their money. The XXXX Panels have never worked. My utility bill increased tremendously after solar panels were installed. I was promised a savings. I have a XXXX loan and has been making timely monthly payments. Good Leap promised 5 days ago they would have someone come out and fix the XXXX panels. Good Leap has not sent anyone to fix the panels and will not address my concerns. They do not care that I am not receiving the service I am paying for.
Product: Checking or savings account

This issue is in regards to UMB Health Savings Accounts and the associated Investment account tied to this account. My intention was to transfer the funds from my UMB Health Savings Account to a XXXX XXXX. 
( XXXX ) XX/XX/2023 - {$6600.00} was transferred from the UMB Investment account to the UMB Health Savings Account. The Total balance was {$7600.00} ( {$1000.00} was the existing balance ) ( 2 ) XX/XX/2023 - The Account transfer to XXXX took place, but UMB transferred only {$970.00} to my XXXX account and not the full balance. UMB transferred back {$6600.00} back to my investment account and then proceeded to CLOSE my Health Savings Account. Additionally, it's not quite clear why {$6600.00} was not transferred back and how I lost {$63.00} during this process. 
( XXXX ) XX/XX/2023 - I initiated a transfer back to my Health Savings Account of current investment account value of {$6600.00} thinking it would be OK to do so. Instead it rejected this transfer and the funds never returned to my Investment account. 
( XXXX ) XX/XX/2023 - I called UMB, but they could not help me.
Product: Money transfer, virtual currency, or money service

Beginning in XXXX, my XXXX  used Square for all credit and debit card processing. However, at the end of XXXX and the beginning of XXXX, we noticed an error. The money that we were collecting via Square did not match what was being deposited into my XXXX  account. After contacting Square, they launched an internal audit. After several weeks, Square contacted us and said that we were owed north of {$40000.00} from XXXX. They stated that I had two accounts with them and some of the money was hitting by checking account and the rest stayed in their system and was never deposited. After this discussion, we were promised that we would be mailed a card with the funds on the card. However, we never received that card. The two points of contact from Square stopped responding to emails in XX/XX/XXXX. We have not heard from them since that time. 

In addition, Square reported the wrong information to the IRS. The 1099s that Square sent to the IRS were for the amounts we should have received, not what we actually received. Therefore, I now owe back taxes on money that I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance wit the Fair Credit Reporting Act ; XXXX XXXX XXXX XXXX has violated my rights. 

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

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

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. Experian is by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be remove because of these violations. According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people. 15 U.S.C 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. These are clear violations of my federally protected consumer rights. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Hello, On separate occasions, XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX, I was charged a {$35.00} overdraft fee. However, Wells Fargo states that I can avoid fees by placing a deposit the same day. The issue is, I cant see the deposit till the following day. There is no transparency to see what is pending for checks or card purchases. As of XXXX MST last night XX/XX/XXXX the cut off time set by Wells Fargo, my account was in the black but at XXXX XXXX XX/XX/XXXX there was a negative balance. The same thing happened on XX/XX/XXXX & XX/XX/XXXX. I deposited money the same day on XX/XX/XXXX & XX/XX/XXXX as soon as the checks hit but was charged with overdraft fees. The issue is Wells Fargo is not showing the checks pending the day before & allowing me time to place money in my account per their rules!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is consistently and intentionally furnishing inaccurate and incorrect information to the consumer reporting agencies against me. I began to notice the inaccurate reporting in XX/XX/2022. I submitted disputes to all three credit reporting agencies. It is now XX/XX/2022 and I am tired of the aggravated identity theft, invasion of privacy and the hostile nature of which I am being treated. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 

The inaccurate information reporting on my consumer reports include XXXX XXXX XXXX reporting the following inaccuracies : Incorrect account numbers, inaccurate account types, differences in account detail/type, date last active was different, differences in date last reported, comments differed, differences in balance, ect. 

This is out of compliance pursuant to 15 U.S.Code 1681e I have proof of intentional and inaccurate reporting MULTIPLE times a month. This is harassment, and abuse. XXXX XXXX XXXX is causing me tremendous financial harm, I have documented proof of inaccurate reporting across XXXX, XXXX and Transunion. I have submitted the following complaints against Prestige : CFPB complaints ( XXXX ), XXXX  Complaints, I have submitted Attorney General complaints for both Texas and Utah. XXXX XXXX XXXX continues to violate my consumer rights with willful noncompliance which is a violation pursuant to 15 U.S.Code 1681n ( a ) ( 1 ) ( a ). 
These are violations of my consumer rights.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. The inaccurate reporting has damaged my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account listed as past due with XXXX XXXX XXXX XXXX XXXX is inaccurate. The account was a HELOC and now has been adjusted to a fixed rate 2nd mortgage. The account is current and being paid as agreed. Correct this mistake ASAP XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX # : XXXX XX/XX/year> XXXX central time The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, And all hard and soft pulls as well as regular inquiries I looked at my Experian credit report on XXXX XXXX XXXX  and noticed some things are incomplete and not accurate. And 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 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to incorrect items on my credit file and it has been well over 30 days and i haven't received any investigation results