23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  
ACCOUNT NUMBER:XXXX 
LOCATION INFORMATION: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


 TO WHOM IT MAY CONCERN, THIS IS ABOUT THE XXXX XXXX TRANSACTION INITIATED ON XXXX XXXX XXXX WITH YOUR FINANCIAL INSTITUTION EXECUTED BY WAY OF SIGNING AN AGREEMENT ( DOCUMENT).

 AS PER 15 USC 6827(3) THE TERM DOCUMENT MEANS ANY INFORMATION IN ANY FORM. THE PROVISIONS OF 15 USC 6801(A) REQUIRE FINANCIAL INSTITUTIONS TO NOTIFY CONSUMERS OF THEIR INFORMATION SHARING PRACTICES AND PROVIDE FOR A RIGHT TO OPT OUT OF CERTAIN SHARING. IN THE ABOVE MENTIONED CONSUMER CREDIT TRANSACTION, WITHOUT GIVING ME THE OPPORTUNITY TO OPT-OUT, YOUR INSTITUTION FURNISHED MY NONPUBLIC PERSONAL INFORMATION TO NONAFFILIATED THIRD PARTIES ( I.E XXXX XXXX XXXX XXXX ) ACCORDING TO 15 USC 6809(4)(A), THE TERM  NONPUBLIC PERSONAL INFORMATION MEANS PERSONALLY IDENTIFIABLE INFORMATION- (I) PROVIDED BY A CONSUMER TO A FINANCIAL INSTITUTION; (ii) RESULTING FROM ANY TRANSACTION WITH THE CONSUMER OR ANY SERVICE PERFORMED FOR THE CONSUMER;OR (iii) OTHERWISE OBTAINED BY THE FINANCIAL INSTITUTION FURTHER, PURSUANT TO 15 USC 6809(5) THE TERM NONAFFILIATED THIRD PARTY MEANS ANY ENTITY THAT IS NOT AN AFFILIATE OF OR RELATED BY COMMON OWNERSHIP OR AFFILIATED BY CORPORATE CONTROL WITH THE FINANCIAL INSTITUTION BUT DOES NOT INCLUDE A JOINT EMPLOYEE OF SUCH INSTITUTION. THEREFORE, AS PER THE LITERAL INTERPRETATION, THE ORGANIZATION NAMED TRANSUNION, EQUIFAX AND EXPERIAN ARE NONAFFILIATED THIRD PARTIES AND YOUR INSTITUTION HAS VIOLATED THE PROVISIONS OF 15 USC 6802. IN CASE YOUR COMPANY ADMITS THAT THE ORGANIZATION NAMED; XXXX XXXX XXXX XXXX IS AFFILIATED, IT HAS STILL VIOLATED THE PROVISIONS OF THE FAIR CREDIT REPORTING ACT. PURSUANT TO 15 USC 1681A (D)(2)(ii), THE CONSUMER REPORT WILL NOT INCLUDE ANY INFORMATION COMMUNICATED AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY XXXX XXXX. 

FURTHER, 15 USC 1681A (D)(2)(A)(ii) STATES THAT IF THE COMPANY WANTS TO COMMUNICATE OTHER INFORMATION AMOUNG PERSONS RELATED BY COMMON OWNERSHIP OR AFFILIATED BY XXXX XXXX, IT SHALL BE CLEARLY AND CONSPICUOUSLY DISCLOSED TO THE CONSUMER THAT THE INFORMATION MAYBE COMMUNICATED AMOUNG SUCH PERSONS AND THE CONSUMER SHALL BE GIVEN THE OPPORTUNITY TO DIRECT THAT SUCH INFORMATION NOT BE COMMUNICATED AMOUNG SUCH PERSONS. THEREFORE, YOUR COMPANY HAS NOT ONLY INFRINGED MY RIGHT TO PRIVACY BUT ALSO VIOLATED MULTIPLE FEDERAL LAWS.

 I HEREBY DEMAND YOU TO REMOVE THE BELOW MENTIONED INFORMATION FROM MY CREDIT REPORT AND UPDATE ACCOUNT TO PAID AS AGREED; LATE PAYMENTS: 1. XXXX XXXX. IF YOU ACCEPT MY REQUEST, I WILL NOT ESCALATE THIS MATTER TO A FEDERAL COMPLAINT. THANK YOU FOR YOUR ATTENTION TO THIS MATTER.

 SINCERELY, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

THIS DEBT WAS CHARGED OFF BUT FOR WHICH I HAVE NOT RECEIVED A FORM 1099-C ( CANCELLATION OF DEPT ). AS PER IRS REGULATIONS, I UNDERSTAND THAT CREDITORS ARE REQUIRED TO ISSUE A FORM 1099-C WHEN A DEBT OF {$600.00} OR MORE IS CANCELED, FORGIVEN, OR DISCHARGED. THE AMOUNT IS {$760.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection agency alleges that they updated the credit bureaus to reflect that the corresponding {$360.00} collection was paid. Neither my Equifax nor  XXXX  reports reflect this information. In fact, both show that as recently as  XXXX   XXXX ,    2017, the account was still reporting a {$360.00} balance owed and is still in collection status.      This account does not appear on my  XXXX  file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The ITEMS I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have private loans services through FirstMark Services. I have been consistently paying since they worked with me last time after my last complaint. I was paying in the XXXX consistently for awhile. My payments went up to XXXX which I have been consistently paying. If you look at my balance it is going down. I can barely afford the XXXX but have been paying. All of a sudden my payment went up due on the XXXX to XXXX. I payed XXXX on XX/XX/XXXX and messaged them on XX/XX/XXXX stating thats all I can afford. They messaged me back saying my interest rate increased to XXXX XXXX, they cant change the rate, loan terms ; rate, etc. They suggested I could also go through another company to consolidate. However I have tried this numerous times and no one will work with me as my balance is too high. My argument here is I cant afford anymore than my monthly payment of XXXX. It was my understanding the last time I complained on here the loan term did get extended. I dont necessarily need an extension but we did the math and even at XXXX percent the XXXX it more than covers the interest accrued.
Product: Credit reporting, credit repair services, or other personal consumer reports

The US Postal Service errors on an individual Change of Address ( COE ) for one member at a household address by applying the COE to other member ( s ) of the same household address. The US Postal Service reports the erroneous change of address to a bank and/or credit card company, who changes their records for the erroneous person.
The bank ( XXXX XXXX ) then informs the Credit Reporting companies of the change of address of the erroneous person.

The bank also informs the Credit Reporting companies of the change of address of a second erroneous person. This second person is on the account with the first erroneous person but was not reported by the US Postal Service as having a change of address.

The Credit Reporting companies effect an erroneous change of address for two people.

There is a potential for ID theft!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax and filed a dispute because they are reporting a bankruptcy disposition date of XX/XX/XXXX. However, the disposition date is XX/XX/XXXX. They are also reporting a date reported of XX/XX/XXXX. This is also inaccurate. I did everything right and waited two years post bankruptcy to buy a home using my VA eligibility. However, the whole process has been halted for months because when the mortgage company runs my credit they see a bankruptcy disposition date of this year, not the correct date. Because of this, they say I must wait two years from XX/XX/XXXX. This is not right. Equifax closed all of my disputes and did not update the date reported or disposition date. I even supplied them with my federal court discharge paperwork showing disposition of XX/XX/XXXX. XXXX and XXXX   are both reporting correctly. It's only Equifax that is causing a system error when processing mortgage. This needs to be resolved so I am privileged with my rights as a consumer to buy a mortgage and use my VA eligibility.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I am the consumer, natural person consisting of flesh and blood, I have proof that I was discriminated against by capital one. They have denied me my right to use credit. Pursuant to 15 USC 1691a. The first few lines.

Verbatim : 15 USC 1691a ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction
Product: Credit card

In XX/XX/year> I sent an electronic payment for {$5000.00} to my Citibank AA XXXX XXXX. It was meant for another account and was erroneously sent, I understand this was MY fault. As soon as I realized the error I reached out to Citibank for a refund. My balance was {$99.00} with the card account. On XX/XX/XXXX a request was processed to refund my money and a check was sent. I reached out after XXXX more weeks and let them know my check hadn't been received. I was told another check was processed, AND would be here by the end of the week. After another XXXX weeks I called and requested an immediate wire to my bank due to the fact that after XXXX weeks I haven't received any checks! I have spoken to multiple agents and escalation managers, but no one can get me my money! 
I am accruing interest on the {$5000.00} in my other credit card account and Citibank offered miles to help with the inconvenience. Not sure if and when I will receive my money, HELP!
Product: Credit card or prepaid card

IT'S CARD FROM FROM ESPICALLY 2014 UNTIL TODAY - ALL I HAD. PLUS I WENT TO GET COPIES OF EVERYTHING - I HAVEN'T RECEIVED ANY MAIL AROUND 2 YEARS. I KNOW SOME IN MY HOME I USE TO OWN - WHICH WAS TAKEN FRAUDLENTLY. A POWER OF ATTORNEY WAS USED VOIDED 4 WAYS. SEVERAL LIVING THERE ARE INVOLVED. BUT I CAN'T GET HELP EVEN FROM REGIONS BANK. I KNOW ONE INVOLVED PAIED THE BILL 'S OF OTHERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

First Advantage  ( Fadv ) ran a background check using XXXX XXXX instead of my legal name which is XXXX XXXX XXXX. When the international background check came back theres a criminal conviction for XXXX XXXX for a murder. The court records shows that the record is for a man named XXXX XXXX not a XXXX XXXX XXXX and they refused to delete the record on my background check report. 

This has cost me a lot and potentially lose my job offer for something I didnt do.
Product: Credit card or prepaid card

Sony Card ~XXXX XXXX transferred to Comenity Bank in XX/XX/2019. 

Did not receive new credit cards or notices that Sony Card was  transferring its ' credit card accounts to Comenity.

Credit cards were requested several times.

No billing statements were ever sent by Comenity.

My payments ( 2 ) were not accepted by Comenity, as I had a wrong routing number for my on-line checking account. 

Comenity has suspended by use of the Sony Card, even though I now have a {$0.00} balance. My account is frozen for three months.

I have called Commenity many times ~ always the same answer ~ that's our policy. No one here can change that policy.XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX disputing XXXX that is being posted on my credit report, by XXXX XXXX and XXXX. The credit Card was issued to me by XXXX XXXX. who takes care of XXXX. This amount is XXXX. All I asked for is an itemized list of products that I Am supposed to have purchased. Without the list, the purchases can not be true. Prove me wrong? XXXX XXXX XXXX are the ones who purchshed this bogas debt. XXXX # XXXX.
Product: Bank account or service

I have notice over and over again my accoutn being minus and find myself paying well over {$200.00} of over draft fees. And thing that I pay via debit should automatically show as being cleared the smae day. Bank of America shows everything as processing even the things I have debited. They could not answer my question when I asked. Long story short they had to refund me {$320.00} because they were wrong. This has been going on for a while and I am sick and tired of wasting my time EVERYTIME this happens. For all I know they may owe me alot more money. Can someone please investigate this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I got the XXXX XXXX XXXX loan for the XXXX XXXXXXXX XXXX XXXX. I commissioned XXXX XXXX upon graduating school and there was some confusion with XXXX as to what documents I was supposed to give them. I was finally able to resolve the issue after a terrible amount of communication with XXXX, and then disputed the claims with the credit agencies. I thought that the issue had been resolved. Unfortunately, it had only gotten resolved with XXXX and not Experian. The Experian credit agency dispute shows the same way that it did before the dispute. I took the loan my last two years of school, where it was supposed to be paid off by years in service.
Product: Debt collection

On XX/XX/XXXX, I see a Collection account was posted on my SSN from all 3 credit bureaus. Below is the collection detail : Company : SEQUIUM ASSET SOLUTION Address : XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/XXXX Balance : {$1400.00} The original creditor of this debt is XXXX XXXX I've called XXXX and confirmed I don't own them any money. Since I've got identity theft incidents happened before ( 1 credit card and 1 bank account was opened under my SSN in XX/XX/XXXX ), I believe this collection is also the result of identitfy theft.
Product: Debt collection

" XXXX '' employee XXXX of Sears ( my phone however indicated that the call was from " Citi '' ) called one business day after another such caller called probing in the same way about a non existent debtor in my home. Both were told that they did not have the debtor they sought. XXXX asked if I denied a relationship with the debtor despite my comment that on my belief and information the debtor lived in XXXX, not XXXX. I also informed her that I was born XX/XX/XXXX. She promised, as did the caller the week before ( Friday ) not to call again. The phone number XXXX dialed from read out XXXX XXXX XXXX
Product: Credit card or prepaid card

I just received my unemployment state debit card and it wont let me activate my card online, on the app, or over the phone because its saying my information dont match records but i am giving the correct information
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX an account from Portfolio Recovery was reported to my credit profile. Available data shows the last date this account was reported was on XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account has passed. Today is XX/XX/XXXX and is past the date the law allows this to be reported.
Product: Credit reporting or other personal consumer reports

My credit file was comprimised in XXXX data breech.
Product: Student loan

I received a phone call this morning from naviant attempting to collect a payment on my student loans. They have been in default do to financial hardship this year which I have been in touch with them all along and they know each situation. They told me I needed to make a payment and they needed it now. I said I do n't have the money by I just lost my job they said you need to get the money whether it be a bank a credit card or XXXX paying it for me I said I have nothing and no one who can pay it. They told me to make phone calls and to put them on hold. I said there is no one I can call they became threatening and told me they were going to take action with out telling me what action, and that they needed me to get them their money. I said I could n't have it for them right now they said they were n't going to wait. This conversation took over a half hour in the morning after the day I lost my job. I am a good person but feel like they are making me out to be a criminal. I have no problem paying when I have the money but they hound me and make accusations and tell me they are going to take action I honestly scared. They asked me about my tax return witch I do n't want to give info on my taxes to anyone. I feel violated and harassed with the calls I get and the information they wanted to give them.
Product: Debt collection

I attempted on several occasions to resolve a debt issue by offering a settlement and was ignored outright and then sued for the debt. When I attempted to resolve the debt after notification of the debt, they ignored me again to force a judgement in court. I last spoke to someone a week ago who said they would have a resolution in 24 hours and are not responding to my attempts to settle.
Product: Credit reporting or other personal consumer reports

I paid XXXX loans off and affirm is not reporting them per their contractual obligation
Product: Mortgage

My escrow account had a shortage this year, and they are going to raise the monthly payment a bit to cover it But this happened after insurance went down considerably this year. From about XXXX to XXXX. 

I went to great lengths last year to sort out escrow to make sure I understood how they calculated it, and what was happening. It all came out the same way - the cost of my insurance policy was too high. So now I have a much cheaper policy, and they not only hit me with a shortage, but a considerable one. 

Something isn't right here. Someone miscalculated, and this after I went through so much last year to make sure we were all on the same page. I really want some help here.