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

Greetings credit reporting agencies, my name is XXXX XXXX and I as a consumer, have observed that my information on my consumer report has been inaccurately and incorrectly furnished! Below are the creditors and companies that have violated my rights as a consumer for publishing my information without my written consent according to 15 U.S.C. 1681 Section 602A and 15 U.S.C. 602A Section 2. please take a moment to look at the accounts below that are being incorrectly furnished on my consumer report and I as a consumer whose rights have been violated. I fully am expecting to see positive changes to my report immediately thank you. 

In accordance with the Fair Credit Reporting Act. 
U S DEPT OF EDXXXX Account XXXX XXXX has violated my rights. 
U S DEPT OF EDXXXX XXXX XXXX has violated my rights. 
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  has violated my rights. 

Now, below are the motives as to why these violations on my credit report NEED TO BE completely removed from my report! It is a violation of my consumer rights, and the information on there is being inaccurately reported, and I did not give any creditor nor any company WRITTEN CONSENT or PERMISSION to furnish any of the data above to my consumer report! The companies/creditors who are publishing my personal information to the consumer report is also a violation of my consumer rights, because, I, as a consumer, have the right to privacy, and the creditors are clearly not respecting my rights. This is very unacceptable and action needs to be taken immediately in the works of fixing my consumer report. 

15 U.S.C. 1681 Section 602A. States, I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 states, that a a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

All XXXX  bankruptcies were unlawfully handled and reported to my consumer credit report by the XXXX credit agencies without my consent or knowledge or me being notified XXXX  days prior identity theft and violation 15 usc 1681as well as fingerhut and chime
Product: Credit reporting or other personal consumer reports

During a credit check for employment via XXXX, Toyota Motor Credit is reporting that I lived at XXXX XXXX XXXX XXXX, XXXX, WY XXXX. I never lived at this address. I did however, co-sigh for an auto loan for my son. 
XXXXToyota Motor Credit came back from my initial complaint saying the information was correct, It is not correct. My son lived there, I did not. Please help me remove that address as a previous residence for me. 

Thank you,
Product: Debt collection

XX/XX/2023 amount XXXX account # XXXX I never agreed to this
Product: Debt collection

Phone number kept calling me, and after googling the number found out it was registered to a debt collection group called The CBE group.  Blocked several iterations of their phone number and still keep receiving calls from them. Tried calling them and got directed to an automated voice message system. Receiving the call only results in a few seconds of silence before the call ends. Calls are repeated and happen daily.
Product: Debt collection

The phone number being called on the weekends is a business phone. The company is attempting to contact people who do not work at this business. I have requested that the company stop calling twice already in the past week but they persist. The company is Portfolio Recovery and the # is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Neither you nor the FTC make it possible to merely make an informative contact, so I have to use your complaint process. However, actually, it is a complaint ... about both CFPB and FTC. 

Data breaches are a routine fact of life. The news this morning about the Equifax settlement has motivated me to inquire about something that has baffled me for years. 

I am a victim of data theft. The major ones are Equifax and the OPM data breach. However, I also have been affected by a few other less spectacular failures of companies to secure their data. 

To be clear, I have not had any direct negative impacts ( though my PII obviously is out there to be misused ). I have availed myself of the credit monitoring services provided after each event, and I long have had my credit reports frozen/locked. Plus, my accounts all have 50 character, randomly-generated passwords, and I use multi-factor authentication on several. 

Now, to the crux of the issue, and my complaint. 

In all these failures of security and due care, the onus always is upon the consumer to react, with or without free credit monitoring. 

WHY IS THIS? Why must consumers always take the initial corrective action when it's the companies and credit reporting bureaus which need correct their shoddy standards and practices? 

There is no rational explanation for such a model of operation. And, the solution ( or at least a large part of the solution ) is so stone simple it defies logic that no action has been taken. 

To that end, why are not the credit reporting agencies required to lock/freeze ALL accounts as the DEFAULT mode of operation? 

The minor effort/inconvenience to temporarily unlock a credit report pales in comparison to the effort needed to respond to and recover from identity theft. 

Again, why are these agencies not required to secure their data in such a manner? Doing so would prevent illegal use after data breaches occur in careless companies, and significantly reduce the utility of stolen PII, not to mention lessening the expense, harm and aggravation for consumers-at-large. 

Therefore, what exactly must be done to make this change ( and make it immediately )?

Can CFPB and/or FTC order such an action? 

If not, why not? 

Alternatively, do we need Congressional action to implement such a logical process? If so, will CFPB and/or FTC initiate contacts to propose such legislation? 

If not, why not? 

Data breaches have become the digital equivalent of the " broken window '' syndrome. The actions of governmental agencies and commercial entities demonstrably are insufficient to dissuade such behavior from occurring and increasing. 

It's time to do something different and bolder and, at the risk of repetition, the default locking of all credit histories is a simple and easily implemented first step. 

Thank you.
Product: Prepaid card

I tried using an American Express gift card with {$250.00} loaded onto it, but it is not accepted anywhere online.
Product: Credit card

My X husband and myself have a joint Marriott Card together. When we got divorced on XXXX XXXX, 2013 the card balance was given to him as a liability. Last year he lost his job. He was unemployed for 6 months. He could not pay the amount of XXXX per month. We both talked with Chase and they said they will not do anything about changing the amount of the payment and are now reporting as a delinquency. 
I told them how much we could afford together to pay something to them they refuse. My credit is now being completely destroyed when this is not my debt anymore to begin with. Please help!
Product: Money transfer, virtual currency, or money service

can not access PayPal account under husbands email, someone else has control of it and two-step authorization directs to someone else 's phone number. 
My husband has a paypal account under his email address. someone has hijacked it and changed the phone number to another number, so when he tries to access it, it's not allowing us. We have tried for YEARS to have someone at Paypal help us and NO ONE will. My husband has stopped using the account, but we have no idea who has access to that account, and what information they might have access to, why they have access to the account, and why we can't get into the account. NO ONE at paypal will help us resolve this. We have tried to resolve this issue multiple times. he can't access ANYONE over there b/c you have to have an ACCOUNT to access customer service and he CAN'T access his account. I'm trying to help him through my account and i'm getting nowhere. we are at our wits end. We have submitted complaints through XXXX, tried to communicate with Paypal 's executive office ( XXXX ), etc., but they will not close the Paypal account tied to the email that my husband has had for 15 years.
Product: Credit card

I received an alert from a credit monitoring company on XXXX that an account had been closed and asking me to confirm I closed the account. I checked and it said my First tech credit card had been closed. I had not closed the account and thought it must be a mistake because I have a 100 % on time, payment record. I logged into my account and found it had indeed been closed. 
I sent a message to customer service on XXXX inquiring why my account had been closed despite a perfect payment record and significantly reducing my usage of that card. On XXXX I received a scripted response that my account had been closed based on performance or credit score monitoring per my agreement. I sent a reply to the scripted message but have not received a response. 

I attempted to access my agreement but it will not download, though I do not recall a particular score necessary to retain my account, only that my interest rate can be adjusted if my credit score changes. My credit score has reduced a few points due to paying off an unsecured loan and a store credit card closing because the company went out of business though the store card had a small credit limit of {$700.00} and a tiny balance. 
My credit score is not much different than when I opened the First tech credit card, so I was very surprised it was closed considering my 100 % on time payment record. 
Further I had a $ XXXX credit limit with First tech and them closing my account resulted in an immediate XXXX point decrease in my credit score as it significantly reduced my available credit which significantly affected my credit usage percentage. I expect my credit score will be further damaged as a result of their UNFAIR closure of my account, again with a 100 % ON TIME payment record.

I could understand a credit limit reduction or rate change IF my credit score was significantly different from when I opened the account or if I had a late payment but neither of those situations apply to me.
Product: Credit card or prepaid card

Greetings, The comenity website for Victoria Secret has been down for about 1-2 months, making it hard for customers to log into their accounts and make payments. I called last month to try and make a payment online and received an error message. Granted, I did close my account about 1-2 years ago, but Ive always been able to make payments online to pay down my balance. Fast forward, here we are today. I called comenity yesterday and today and all the agents could do was apologize and explain how they dont have an ET on when the tech issues would be resolved. I found out that I was charged a late fee and I explained to the agent today that I feel it should be waived since I have not been able to make a payment due to the system being down. The agent was nice enough to waive the fee, but I can not verify that since I can not access my account. The system is still down currently. I cant access my statements to view any odd activity and I dont feel comfortable making a payment until I can physically see my statement. I think this is beyond unprofessional and quite sad. I have never had this issue with other companies. I do plan to pay the balance off once I can view my statement and wipe my hands clean with comenity. Something really needs to be done about this. Peoples credit and lives can be ruined behind this! Never again will I open anything else with comenity bank. This has truly been a nightmare for millions of people.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX I am writing to dispute the following information provided to XXXX, XXXX and Transunion. I have given documentation showing the item has been requested for payment for removal from the collection 's agency. Spoke with XXXX, customer service agent, from XXXXXXXX XXXX  and completed the payment for request of removal. 

I am requesting the item is removed from my credit report to show the utmost updated information with accordance from XXXXXXXX XXXX sending on XX/XX/2022, establishing the payment for removal letter. 

Collections Agency : XXXX XXXX  Amount : {$260.00} Confirmation Number : XXXX Requested : Payment for Removal Note : Enclosed is the receipt for payment on the account. In addition, XXXXXXXX XXXX sends payment for removal letters on the second Friday of each month. In my case, is XX/XX/2022. Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete the above item as soon as possible.
Product: Debt collection

Dynamic Recovery Solution XXXX XXXX XXXX, XXXX, SC XXXX, XXXX XXXX XXXX XXXX sent me a notice in the mail trying to collect on a supposed debt. They said the original creditor was XXXX XXXX XXXX, and that I owed from a credit card back in 2002. I have never had a XXXX XXXX XXXX card!
Product: Student loan

I applied with the Department of Education to switch from the PAYE IDR plan to the SAVE IDR plan on XX/XX/2023 via their online system ( see IncomeDrivenRepaymentApplication.pdf ). MOHELA confirmed they received the documents on XX/XX/2023 ( see MOHELA cancelled IDR app XXXX ). As repayment is quickly approaching, I wanted to check the status of my IDR application, so I called MOHELA on XX/XX/2023 at approx. XXXX XXXX. The automated system told me that I would receive an update on my pending IDR application within 14 business days. On the morning of XX/XX/XXXX, I received an email letting me know I had correspondence in my online account ( see Correspondence Processing Delay ). Upon logging in, I was able to view the new correspondence, which was actually a letter dated XX/XX/2023 stating that my request would take an additional 90 business days to process ( see XXXX MOHELA Letter.pdf ). I was particularly concerns about this because the Department of Education website stated " [ i ] f you apply for an IDR plan ( such as the SAVE Plan ) this summer, your application will be processed in time for your first payment due date '' ( see SAVE Repayment Plan Offers Lower Monthly Loan Payments | Federal Student Aid ). Being on the SAVE plan is critical to me because it would drop my previous monthly rate from {$220.00} ( see XXXX XXXX XXXX XXXX XXXX ) to approx. {$210.00} per month ( see Student Aid Calculator XXXX XXXX ). Wanting to check my IDR application status further, the MOHELA website indicated that my IDR application was cancelled when logging in on XX/XX/2023 ( see MOHELA cancelled IDR app XXXX ). Concerned about this, I called MOHELA on XX/XX/2023 at approx. XXXX am XXXX. After approx. 30 minutes on hold, I spoke with XXXX who was extremely helpful and told me that the website appeared to be showing an inaccurate status and that my IDR application was actually accepted and my payment should be approx. {$210.00} per month and that I would see this take effect for my XX/XX/2023 payment. Unfortunately, he also informed me it will take 3 business days for me to see anything different in my account. Given the discrepancies between what I can see and what XXXX can see, I would like written confirmation sent via my online account that I am a ) currently on the SAVE plan and b ) expected to only pay {$210.00} per month at this time.
Product: Checking or savings account

On XX/XX/2018 someone made a purchase at XXXX using my account information, some how they got my pin number. I've had the same pin number for years and have never wrote it down. When I first made the claim the person i made the claim with said some must have gotten my card information from a scammer and generated a pin number. The person also made a balance inquiry at a non Chase atm using a pin number. When I inquired about why they denied the claim Chase said it was because a pin was used. I contacted XXXX and they said the person tried to use another card first but it was declined, then they used my account information and pin and the transaction went through. When I explained this to chase they said that this didn't matter. I've never been to the XXXX where my account information was used or the atm where the balance inquires were made. So both Chase and XXXX claim there's nothing they can do. Neither is willing to investigate further.
Product: Mortgage

We entered into a loan modification with Rushmore Loan Services about 5 years ago. We've made all payments, until XX/XX/2021, which was made on XX/XX/2021. We paid the full XXXX payment and an additional {$910.00} which was to be applied to our mortgage principal. Instead, Rushmore placed the {$910.00} in a suspense file and now refuses to apply it to our mortgage.

Rushmore is the sorriest mortgage company I have ever worked with, all they want to do is charge fees and foreclose on people 's property. We are in the middle of a pandemic never experienced by mankind before. They should be trying to assist people. 

They also engage in predatory lending practices and are well known as a lender who takes advantage of people on every corner
Product: Mortgage

I'm using Veterans United to buy a house, they want to know whether I'm still working for my employer ( XXXX XXXX XXXX ). The company has a policy about giving that information, they use XXXX, a contractor, Veterans United don't want to go that route because, according to them, they have specific questions they want answered, it is mostly regarding my being furlough during the pandemic. They are set on talking to XXXX HR, but I explained to them they won't get much information, if any, from XXXX HR because of company rules and policies. I gave them a number to HR and explained what a company representative had told me. XXXX will NOT offer any information over the phone, they will only answer YES or NOT to any question from Veterans United without volunteering any specific answers. That's why the company uses XXXX. So this is holding off my progress with closing the transaction with Veterans United and I'm seriously looking at another lender. I tried the VA to file a complaint, but have been unsuccessful. Every time I email or call to get an update on this issue from my loan agents they are always out of the office for a few days, I will get an auto response to my emails saying so, and every call is answered by a voicemail. In my opinion they are stretching this as much as possible for whatever reason and I find it unacceptable.
Product: Debt collection

Non stop calls from XXXX am until XXXX pm over XXXX a day XXXX  days a week even every XXXX hours calls
Product: Credit reporting or other personal consumer reports

As a consumer ( defined under 15 USC 1681a ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. 

The following accounts have billing error Under 15 USC 1666B and must be resolved immediately. 



DEPT OF EDUCATIONXXXX XXXX XXXX  -- Date opened : XX/XX/XXXX DEPT OF EDUCATIONXXXX XXXX XXXX XXXX- Date opened : XX/XX/XXXX DEPT OF EDUCATION/XXXX XXXX XXXX -- Date opened : XX/XX/XXXX DEPT OF EDUCATION/XXXX XXXX XXXXXXXX -- Date opened : XX/XX/XXXX DEPT OF EDUCATION/XXXX XXXX XXXXXXXX -- Date opened : XX/XX/XXXX
Product: Mortgage

This complaint is regarding the failure to reimburse escrow and overpayment, as well as final mortgage payment following payoff of mortgage loan as a result of refinancing Three primary complaints are as follows : 1. Payoff wire was made and confirmed on XX/XX/XXXX in accordance with XXXX Payoff Statement instructions received on XX/XX/XXXX. Wire was rejected due to unknown internal change at XXXX with new payoff instructions ( apparently they are the service provider for PHH Mortgage Services ). The title company was told they were rejecting the wire and they would not do an internal transfer to satisfy the loan. Wire was resubmitted according to new instructions on XX/XX/XXXX and loan was recorded as paid in full on XX/XX/XXXX. Increase in payoff amnt due to the delay in the amount of {$230.00} ; I expect reimbursement of this amount.

2. As of XX/XX/XXXX reimbursement for escrow account has not been received. I have contacted XXXX XXXX customer support no less than 4 times to confirm dollar amounts, processing, and shipment of the checks. Dates included XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Every time I have contacted them they have indicated that they would send emails to the escrow account and get it taken care of. On XX/XX/XXXX, and again on XX/XX/XXXX I was told that the check had been sent on XX/XX/XXXX, and I would receive it at our mailing address in 7-10 business days. As of XX/XX/XXXX I have still not received the check. In a call with XXXX XXXX on XX/XX/XXXX the customer support manager indicated he would send another email to find out why the check was taking so long, and he indicated to me that it would take 1-2 additional business days to get an answer from them. Additionally, the amnt due to me was not clearly articulated to me, and was inconsistent across the various calls with XXXX XXXX. I expect reimbursement of the addition interest owed me for the time XXXX XXXX has held my money. I also expect a clear, documented verification of the amnt paid, amnt due, and amnt to be reimbursed that I can verify with my records of all transctions.

3. An automatic loan payment for the month of XXXX in the amount of {$3700.00} was withdrawn from my personal checking account to XXXX on XX/XX/XXXX. I spoke with XXXX XXXX about this on each call, and had responses that first indicated a separate check would be mailed, but in the call on XX/XX/XXXX the XXXX customer support person indicated there was no record of a check being distributed. After working through the numbers, the individual did understand and acknowledge that an additional {$3700.00} was due to me for the XXXX payment, and that she would follow up with an email to a different department and they would investigate and follow up with me. As of XX/XX/XXXX I had not received any communication with XXXX, and when I called them the individual I spoke with did not confirm that a check for the XXXX payment had been distributed. I expect a full refund of the XXXX payment in the amnt of {$3700.00}, consistent with payoff being made according to complaint 1 on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Improper use of my credit report. reporting companies below has used my report improperly under 15 USC 1681. 
In accordance with the fair credit reporting act convergent account XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX Account # 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 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 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if person knows or has reasonable cause to believe that the information is inaccurate.