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

It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly. 
I have the right to privacy. 
15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Student loan

I am formally requesting a total discharge of my student loan due to multiple federal violations, including but not limited to the Family Educational Rights and Privacy Act ( FERPA ), the Privacy Act of 1974, the Higher Education Act, and failures in data security. These violations have directly harmed me, compromised my financial and personal data, and demonstrate a failure to uphold the legal and ethical responsibilities of my loan servicer. 

XXXX. FERPA Violation Under FERPA, my student loan records were protected against unauthorized disclosure. However, I have evidence that my private educational and financial information was mishandled or improperly disclosed, violating my federal rights. 

XXXX. Privacy Act of 1974 Breach The Privacy Act of 1974 mandates that personal data be protected against unauthorized access and misuse. My personal loan records were improperly handled, which has resulted in harm to my credit and financial well-being. 

XXXX. Higher Education Act Violations As a borrower, I am entitled to fair and transparent loan servicing. However, I have experienced [ describe any misinformation, errors, or fraudulent actions related to your loan, such as incorrect balances, improper loan processing, or wrongful denials of benefits ]. 

XXXX. Data Security Failures My personal and financial data has not been properly secured, leaving me vulnerable to identity theft and fraud. This failure violates federal regulations and further justifies my request for loan discharge.

Request for Immediate Action
Product: Credit card or prepaid card

I am in need of help. I am on unemployment due to COVID-19 since XX/XX/2020. My first UI payment was a paper check ; the remaider payments will be a RELIA CARD deposit with USBank. 
My relia card did not arrive in the mail. I do not have access to my 16 digit card number, which is required to get usbank help. 
I was on the USBank telephone hold for EIGHT HOURS yesterday and many more hours throughout last week. I have photographic documentation of the time I waited to speak to someone. 
I'm really desperate for the $ 2000+ that the govt has deposited into a reliacard account to help me. Now someone from USBank needs to help me get my card ASAP. 
I have written the XX/XX/XXXXto bring USBank 's issues to the public. i hope this complaint will do the same. 
Again, without a card there is no 16 digit account number to work with.
Product: Mortgage

Spoke to XXXX in Texas she stated in XXXX 2021 my escrow account paid {$7900.00} for my Homeowner Insurance. XX/XX/2021 new homeowner was paid XXXX. I told her I talk to XXXX with customer service XX/XX/2021, she said after the adjustment was made to my Homeowner insurance Mr. Cooper would send me a check form escrow for overage of escrow. I never received the check from Mr. Cooper for escrow overage. I was told by XXXX customer service Mr. Cooper I would have to request the overage payment from my Insurance Company for any overage in my escrow account. Mr. Cooper was collecting for City , County taxes and Homeowner Insurance of which was included with my mortgage payment and was collecting with my mortgage payment as well as for my escrow account. I live in the county and do not pay county taxes. I have informed Mr. Cooper of this several times. Also Mr. Cooper customer service dept. and escrow dept. has servicer federal guidelines they must follow. I don't want to be taken advantage of because someone isn't knowledgeable or does not know how to do their job.
Product: Credit reporting or other personal consumer reports

XXXX XXXX reported late payments on all 3 bureaus. 
XXXX XXXX reported late payments on all 3 bureaus. 
XXXX XXXX reported late payments on XXXX and XXXX. 
XXXXXXXX XXXX reported late payments on all 3 bureaus. 
XXXX reported late payments on all 3 bureaus. 
XXXX XXXX XXXX  reported late payments on all 3 bureaus. 
XXXX XXXX reported late payments on all 3 bureaus. 
DeptedXXXX reported late payments on all 3 bureaus. 

In accordance with the fair credit reporting act this creditor violated my rights. Under 15USC1681 section 602 states I have the rights to privacy. 15USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15USC1666B a creditor may not treat a payment on a credit card account under on open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

IM A VICTIM OF IDENTITY THEFT AND REPORTING THE FRAUD DONE TO MY PERSONAL INFORMATION TO CFPB, EQUIFAX, XXXX, XXXX, AND FTC. I HAVE ATTACHED FTC REPORT SHOWING ALL THE FRAUD DONE IN MY NAME, *****PLEASE READ FTC REPORT******
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX i opened a loan for the amount of XXXX ( XXXX purchase and XXXX intrest ). I made the monthly payments on time. On XX/XX/XXXX i was informed by experian that affirm put a notice on my credit saying i was XXXX days late on said lone. I contacted experian to start a review and they found it to be true and thus not remove the delinquent notice. 

The lone was never even XXXX  day late let alone XXXX.
Product: Credit card

I returned some merchandise to XXXX and received credit that they received the merchandise. I send over to the credit company proof of the returned merchandise and the credit company still will not take of the merchandise that was returned to the company.
Product: Credit card or prepaid card

I am filing a complaint about the XXXX XXXX XXXX service. This fall, in XXXX, the company changed the way they notify customers of payments due. In the past, they sent emails containing the amount due on the card, which I would then pay using secure bill payment with my XXXX app. Please see screenshots of emails below. I included one from before the change and two from after the change, which offered no reason for me to think I had a past due payment. I missed a payment due to this change, which I was never notified about. I paid the principle as soon as I realized it was due, but did not realize I had an outstanding late fee, which continued to accrue fees over the next two months. When I received a letter from XXXX in the mail asking for payment, I was shocked and made the payment as soon as I could. However, this 90-day-late payment has now caused my credit score to go down 90 points, and will not leave my credit report for 7 years. As a medical student in my mid-twenties, this is a major problem. I need to have a good credit score in order to qualify for loans. I have taken this matter up with XXXX, and while they were able to reduce my late fee, they refused to do anything to help me get this delinquent payment off my credit report, which is the far more critical and pressing issue.
Product: Mortgage

Below is a continuation of the initial complaint first submitted and closed. 

The reason surrounding the hazard insurance discrepancy was at no fault of my own. Village Capitol had confusions at the refinance. This caused them to have an oversight and not pay the borrower assigned hazard insurance. As a result, they placed Forced Placed their insurance. This was during the peak of XXXX which heavily impacted my family resulting in a XXXX XXXX  and XXXX XXXX  I needed my mortgage company to perform as expected and they did not. Their inability to properly service my account lead to undue financial stress and frustrations. I now suffer an increased hazard insurance premium and the delayed analysis caused extreme payment shock. The reason relayed as to why they did not analyze my account does not excuse them from properly servicing the loan and being noncompliant with the RESPA guideline. I am not happy with the path of resolution given. Sine they will not spread my shortage over the 60 month term requested. I do not find it to much to as that they spread the shortage over 36 months. Doing so will keep me out of delinquency in a time when inflations are at an historical high.
Product: Credit reporting or other personal consumer reports

I have a XXXX XXXX XXXX  account # XXXX. I have disputed this account several times in XXXX  months. There is a XXXX  day late payment reporting on my credit report. 

The time of the delinquency in XXXX XXXX XXXX. I was facing a bad financial hardship. Honestly, I didn't have a job or financial support to meet my obligations. 

So I requested a courtesy or a Goodwill. In the removal and updated XXXX past due payment. XXXX XXXX told me to go XXXX myself. That they will Never EVER remove or update the XXXX day late payment for XXXX XXXX XXXX. 

I was later told that I had XXXX late payments. I reviewed my credit report and noticed only XXXX late payment. So I'm being told XXXX, but my credit report is reporting ONLY XXXX for XXXX XXXX XXXX. 

I have attached several versions of my credit report. While both show XXXX late payment for XX/XX/XXXX. They indicated that I had a Late payment for XXXX XXXX XXXX 

I as asking for the removal of the 30 day late for XXXX XXXX  XXXX. Along with the status remark of XXXX days late. 

My family and I can't purchase a VA home. Due to the fact that XXXX late payment from XXXX XXXX XXXX. That will not allow me to get VA approval. 

I hope to get some help with this XXXX  month ongoing battle Thank you
Product: Credit reporting or other personal consumer reports

In light of increasing concerns about data security breaches and unauthorized sales of personal information on the dark web, I demand assurance that my personal information is being handled securely. I request an immediate investigation into how my data is managed and shared, and I expect you to take steps to ensure its protection. 

Per the CDIA 's definition of your verification processXXXX XXXX XXXX XXXX  is a web-based, METRO 2 COMPLIANT, automated system. '' I expect you to adhere strictly to these standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am speaking to XXXX XXXX EQUIFAX, XXXX, AND XXXX! 
For almost four months now I have been fighting inaccurate scores based on XXXX XXXX careless actions and i'm XXXX sick of this. This battle has taken a tremendous toll on my health and financial well-being! I am submitting two separate complaints as there are two issues that has occurred relating to the same but I NEED TO BE CLEAR BECAUSE THIS HAS GONE ON LONG ENOUGH!!!!! 

IN XXXX, XXXX submitted a code to EQUIFAX, XXXX, and XXXX to update a remark after a Federal Disaster ended. I found out yesterday that the code they submitted to you " XXXX '' is the same code they submit when a loan holder 's account is in a current loan modification status. MY ACCOUNT IS CURRENT!!!! MY Loan Modification was in XXXX! Where is the common sense in using the same code for people in a current Loan Modification status and someone whose account is current, but needs remarks updated about a previous loan modification status? There is no sense in that! 

It all comes down to the code that XXXX submitted in XXXX that started all of this! EQUIFAX, XXXX, AND XXXX have still not recovered my scores they way they were before XXXX submitted that code in XXXX! I initially lost 54 points from Equifax, 41 from XXXX, and 34-41 points from XXXX. MY ACCOUNT IS CURRENT AND HAS BEEN FOR THE LAST THREE YEARS!!! There are no words to describe how hellish this nightmare has been since XXXX submitted that code in XXXX XXXX. A code that was simply to update a remarks however put my credit score in a devastating tail spin that has prevented me from getting the best insurance rate and the best rate after my promotional interest rate expired on my HELOC. Most importantly XXXX XXXX, EQUIFAX, XXXX, AND XXXX you took away my peace of mind and all of the hard work I've put into building a credit score that I was very proud of. 

I now have an attorney as this was too much for me to endure alone. XXXX, EQUIFAX, XXXX AND XXXX have violated my rights as a consumer under the Fair Credit Reporting Act.
Product: Mortgage

I own a home I tried to sell XX/XX/XXXX. No offers as it is underwater since XX/XX/XXXX. Realtor, then said short sale. I agreed but had to not make any mortgage payments for 2-3 mo. done. 1st Offer came in XXXX. I, realtor, lawyer did everything & beyond what SPS required. They have stalled, lied claiming they do n't have this document or that, yet they did and do. They have continued this from XX/XX/XXXX to XX/XX/XXXX when they finally approved a short sale that expired XX/XX/XXXX. THEY DID NOT APPROVE THE 1st or 2nd ( which is still on table as of XX/XX/XXXX ) OFFERS YET. The 1ST buyer backed out a day before SPS sent out the previous referenced letter. I fired that realtor due to his not informing me of things, let alone new damage done to my home during the hurricanes that summer. ( I live 3HRS inland & can not drive there willy nilly to check on my home ) Hired a new realtor ( XX/XX/XXXX ) and within a few weeks a new offer on my home @ substantially less now due to the damage to my home, hole in roof/ceiling etc. Again, SPS had XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX to approve the offer! Nothing, In XX/XX/XXXX I began getting duplicate letters from SPS as if I just began this short sale process all over from the beginning. I am going to lose this 2nd offer, my home is getting more and more damaged as SPS keeps fooling around with irresponsible requests for documents that they indeed do have. Please XXXX Select Portfolio Servicing Inc. You will see exactly what the problems I am having.
Product: Mortgage

As an owner on the subject property 's title, I have been making mortgage payments to Rushmore, and the company had been accepting payments. Payment processing issues began on XXXX XXXX, 2021, when I called Rushmore ( XXXX ) to make XX/XX/XXXX2021 mortgage payment over the phone according to the amount due ( {$1600.00} ) on mortgage statement dated XXXX XXXX, 2021. Representative ( XXXX ) said Rushmore was not accepting any payments. On the same day, I mailed a check to Rushmore to pay for XX/XX/XXXX2021 mortgage payment ( USPS certified mail tracking # XXXX XXXX XXXX XXXX XXXX ). The mail was delivered, but the check has not been deposited by Rushmore as of XXXX XXXX, 2021. Although the loan is current, Rushmore is not accepting any payment, intentionally causing the loan to be delinquent, forcing the loan to go in default then subsequently foreclose the subject property.
Product: Checking or savings account

Per the letter recived by Pentagon FCU, I was allotted till XX/XX/20 to log in or respond to said letter in order to keep my account in good standing. 

Their organization removed {$55.00} from my account under the title of unclaimed property prematurely on XX/XX/20. 

I logged into my account on XX/XX/20 which therefore would be my activation per the context of the letter. 

I emailed a copy of the letter and asked them to reinstate my account and replenish the funds, " I've receivd no response. '' XXXX also called and Spoke With XXXX XXXX at Pen Fed Credit Union and was told the  computer system transferred money and deactivated the account prematurly that it wasn't them, but he would do nothing to help or honer the context of the letter that if iI wanted my money I'd have to petition the state and If I wanted my account activated I'd have to reapply and pay for a new membership. I followed their rules and they broke them.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I started a settlement with XXXX XXXX through XXXX XXXX & XXXX. On XX/XX/XXXX I paid the final settlement agreement amount. I paid the settlement as agreed on time NEVER LATE. Unfortunately, XXXX representatives XXXX and XXXX XXXX unscrupulous, disingenuous, reporting practices maliciously intended manipulated my status updates each month, since the settlement began.
Product: Student loan

I have been filing for income driven repayments for several years. Each year on the application I check the box for Navient to pick the best plan for me. I have had a zero repayment for a few years now because I have had no taxable income during that time. After doing research on the options available and looking at my loans online I was shocked to find that I was not in the IDR plan that provided the most benefit to me. Currently they have me enrolled in the IBR plan and for the last couple of years I have qualified for the REPAYE Plan. Under REPAYE I would have received a credit for 50 % of the unpaid interest due on my qualified loans each year. This would have saved me $ 1000s each year on my student loans. I contacted Navient about this, verified with them that I qualified for this plan and they told me to submit the request to have this switched online. I filled out all the paperwork, paid the {$5.00} charge, had my loans switched to forbearance during the approval window and today received a letter saying I was rejected because I was outside of the application timeframe. 

I have qualified for this plan for almost 3 years. The plan would cut my accrued interest each year by 50 % and save me $ 1,000s of dollars per year and $ 10,000s over the life of the loan. Navient was given approval by me to pick the best IDR repayment option for me and they failed to do this. I informed them of this error, took the necessary steps to fix this going forward, verified I qualified, followed their instructions step by step and was still not put in the best plan for me. I have also noticed that during this process they have removed the .25 % interest reduction I had for being set on autopay. So now not only am I on a more costly plan they have raised the rate I am paying on these loans.
Product: Bank account or service

I have a direct deposit account the Rush Card. On XXXX XXXX, 2015 i had a deposit into my account of {$1200.00}. I am missing {$300.00} out of my account. I deducted my transactions that were listed on my statement just to make sure, and i came up {$300.00} short. Now I am locked out of my account altogether and they are making it hard for me to receive my money. 
The bank that Rush card uses is XXXX XXXX XXXX, Ohio XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this entry on my account with XXXX  bureaus as well as with Accelerated Financial. Accelerated Financial placed this erroneous, inaccurate entry on my credit report without providing a dunning letter or any sufficient documentation that would have informed of their intent to collect this alleged debt. The response I received from the bureau stated the account entry was verified ; however, I immediately sent Accelerated Financial ( see attached letter ). Accelerated Financial did not pick up the letter ( see attached letter ) that was returned to me undeliverable although the address I sent was the address listed on my credit report. How then was XXXX able to verify that the information was verified? 

By not providing the dunning letter as required by law and not picking up the dispute that was sent, Accelerated is in violation of my consumer rights. In my letter that I provided to dispute the validity of their account entry I specifically requested : *An agreement that states their authority to collect on this alleged debt *Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor *Alleged account number *Date this alleged debt became payable *Original delinquency date *Verification that this debt was assigned or sold to collector *Complete accounting of alleged debt *Name and address of the bonding agent for collection agency in case legal action becomes necessary No correspondence was provided. This entry should be DELETED immediately.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXX XXXX - XXXX XXXX XXXX XXXXXXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX  days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you