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

Equifax reinserted a bankruptcy on my credit report on XX/XX/XXXX, after they took it off over a year ago. Equifax stated in an online dispute that they verified/validated the bankruptcy with XXXX XXXX which is untrue. I called XXXX XXXX at XXXX and spoke with a representative explaining that Equifax stated they verified a bankruptcy to Equifax. XXXX XXXX stated there was nothing in there files that shows I requested anyone to pull my credit since XX/XX/XXXX and that was a insurance company. My XXXX XXXX  file is froze due to identity theft and XXXX XXXX  assured me they did not verify any information with Equifax. Equifax stated they called a number that supposed to belong to XXXX XXXX  but the number they have on the file that equifax stated they used is a phone number that is to another country which is XXXX. XXXX XXXX does not have a number connected in XXXX. I have disputed numerous times an address that does not belong to me which is XXXX XXXX  XXXX XXXX, XXXX, ohio XXXX. Equifax reinserted that address also after taking the address off my credit report and reinserting with no validation. equifax has removed accounts that belong to me that I never disputed. Equifax removed my current permanent address without my permission. I live in nevada and have been her since XXXX. My address is XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, nevada XXXX my ohio address is XXXX XXXX XXXX, XXXX XXXX ohio XXXX. Equifax has ruined my credit report causing my score to plum XXXX plus points causing my score to go from XXXX to XXXX. This is a major problem and need to fixed immediately!
Product: Debt collection

Ive tried disputing this account with this company several times and the company failed to provide me with verification of a contract with their agency bearing my signature. Ive also called the company to ask them to provide me with information that theyre legally bonded and licensed to collect on a debt within the Maryland area. The representative got rude and hung up on me after I disclosed to her that, I researched the company name and license in the state of Maryland and their license has been expired since XX/XX/2020. Which makes them not legally bonded nor licensed to conduct business in this state. She then told me that I needed to take that up with a supervisor who she transferred me to their voicemail, where I left A message and have yet to get a response back. This was over three weeks ago.
Product: Student loan

I am writing this email to express my dissatisfaction with the incorrect information I have been given regarding my loans from Navient. I am diligent about keeping my loans from defaulting, but Navient of XXXX XXXX is not providing any assistance. My goal is to find someone who can help me prevent my loans from defaulting. I want to talk about obtaining an assistant to discuss my financial situation before defaulting on my loans with XXXX XXXX. During my conversation with Navient 's agent on XX/XX/XXXX, I was given incorrect information about the loan process. Due to my inability to pay the monthly repayment for these loans that are due this month, I am feeling confused and uncertain about how to proceed. Navient agents consistently give me inconsistent information when I call them. 
I called on XX/XX/year>, and spoke to a supervisor named XXXX. I explained to him the inconsistent information that was given to me. The agent didn't see any other loans on her computer while working with me, as he informed me. He insistent that I was not given inaccurate information and he suggest that the only thing he can do is provide deferment for 3 months which I must pay a fee and I declined because I didnt have the funds. 
After having that conversation, I requested information about the available options because I graduated on XX/XX/year> and am currently unemployed. I need a deferment until I am able to find employment. He informed me that I need to send you to the private collection loan area, which has more options to assist me. He assured me that XXXX XXXX has various offers that are workable and have several repayment options, which will prevent you from defaulting. 
Upon being transferred to that department, the agent informed me that there are no alternatives other than paying {$100.00} for a XXXX deferment. I reiterate that I am not working, and I do not have an income. She replied by saying 'I am sorry, that is all I have to offer from my computer program. ' She said I am due to make a payment in XXXX and I said I will not be able to make these payments and I dont want to go into default can someone work with me to avoid default. I was informed during the XX/XX/XXXX conversation that if I consolidate and move all of my loans to the XXXX XXXX XXXX XXXX, it will contain all of my loans to a XXXX plan with a onetime adjustment of past payments. Now I am in a predicament where I can't pay for these loans and there is no option available to not go into default. Could you assist me in rectifying these issues? Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is alleging that more information is needed by them, a private company, than is required by the law that regulates fraudulent activity on consumer reports. As the consumer I have alleged that my rights have been violated and that I am a victim of identify theft. I have provided all four necessary documents to assert this claim by the law. According to 15 U.S. Code section 1681c-2, Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of aconsumer that theconsumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency ofappropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Experian is claiming I need more for their private company to assert my rights as a consumer than what is required by consumer law. This is a clear violation of my rights.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
Late Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a new mother XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am writing to express my deep distress and frustration regarding the inaccurate information that has been reported on my credit file. This situation has placed an immense burden on my family, causing emotional turmoil and financial strain that we can ill afford. 

Navigating the challenges of motherhood while coping with the repercussions of an unjustly damaged credit report has proven to be an overwhelming experience. As we eagerly await the arrival of our second child, the financial stability and peace of mind necessary for a growing family have been compromised. 

Furthermore, I want to bring to your attention that you have violated the Fair Credit Reporting Act ( FCRA ) 15 USC 1681a 2Ai by reporting transaction or experience payment history and credit utilization on my consumer reports. Congress clearly states that this information is not to be included in consumer reports. This not only impacts my financial standing but also infringes upon my right to accurate and private credit reporting.

Additionally, my right to privacy has been violated, as outlined in 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. The inaccurate information on my credit report has exposed personal details that should have remained confidential, adding another layer of distress to an already challenging situation.

I kindly request the Consumer Financial Protection Bureau 's intervention to expedite the resolution process and address the financial hardships my family is enduring. I am not only seeking correction of the errors on my credit report but also fair compensation for the emotional distress, financial strain, FCRA violation, and the violation of my right to privacy. 

If these requests are not granted, I want to emphasize that I am fully prepared to exercise my legal rights as a consumer and initiate the arbitration process. The arbitration process will not only underscore the gravity of this matter but also incur additional costs for the involved parties. The business filing fee is {XXXX} for a decision without a hearing, {XXXX} for one arbitrator, and {XXXX} for three arbitrators, with a {XXXX  case management fee for one arbitrator, XXXX for three arbitrators, and a XXXX hearing fee. Arbitrator fees are {XXXX  for no hearing and {XXXX} for a hearing.

I sincerely hope that a fair and timely resolution can be reached without resorting to the arbitration process, and I appreciate your understanding and assistance during this critical time. Your prompt intervention can make a significant difference in alleviating the burden on our family and ensuring a more stable and secure future for my children. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

Consumer Information : - Name : XXXX XXXX XXXX XXXX - Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX - Date : XX/XX/year> Bureau Information : - Bureau Name : Experian - Address : XXXX XXXX XXXX XXXX, TX XXXX Subject : Complaint Regarding Inaccurate Late Payments on Credit Report Complaint Details : I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Experian. I believe these late payments are erroneous and do not accurately reflect my payment history. 

Nature of the Complaint : 1. Inaccurate Reporting : The late payments listed on my credit report are inaccurate. I have consistently made my payments on time, as I have been enrolled in autopay for all my accounts.

2. Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as they misrepresent my creditworthiness.

3. Potential Violation of Fair Debt Collections Practices Act ( FDCPA ) : The reporting of false late payments may also constitute a violation of the FDCPA, which protects consumers from misrepresentation regarding their accounts.

4. Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate reporting of credit information.
Product: Credit reporting or other personal consumer reports

Mountain Land Collections is reporting a debt on my file that is not mine. Years ago I was in an accident and ended up in the hospital. I had to hire a lawyer who showed the insurance the cost of my medical expenses and insurance paid 100 % of my bills. I have not been to a hospital since. This collection could not be mine, I called the hospital who advised my bills were all paid up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$720.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting

I have been trying to rectify inaccurate information on my credit file with Equifax since XXXX of XXXX. In XXXX XXXX, I received email correspondence with Confirmation # XXXX that accounts that were inaccurate on my file were deleted. In XXXX of XXXX I also received confirmation # XXXX with results of two more deletions of inaccurate information. I have continued my effort in correcting my file with Equifax since then, and they have been very reluctant to provide me with any proof of validation or evidence for the remainder any inaccuracies. I was then placed in the office of Consumer Affairs which then fraudulently placed a Fraud Alert on my file that subsequently relayed to the other two main bureaus. I did not authorize this nor did I ask for it in writing or verbally. They have tried to make it impossible for a consumer to rectify any inaccuracies. They also added accounts that are identical to other accounts and continue to say that is legal. They did not notify me within 5 days of any reinsertion or any reinsertion of previously deleted information. I had a dispute for two inaccuracies on my file with confirmation # XXXX dated XXXX XXXX that was initiated on XXXX XXXX. I received that in the mail on XXXX XXXX, XXXX. There are breaking the law and have not given me a Certification of accuracy of information as stated in FCRA 611 ( a ) ( 5 ) ( B ). They have also never sent me results for the initial two items I disputed which were disregarded in their last correspondence. This is my last goodwill effort to rectify this matter and if these items are not deleted I will be filing suit in my county for the disregard and damage done to my credit file by not following the FCRA and Laws that govern Equifax Department of Consumer Affairs. 
I am also requesting that they take off the Fraud Alert on my account. I am unable to pull a credit score or information from EQUIFAX because they are blocking my file from 3rd parties. I want that taken off Immediately.
Product: Credit card

I was ask by a store employee to open a kohls department credit card and they have really been difficult to deal with they harrased me when it came to pay my payments and i was not allowed to return the items that i purchased back on my credit card and they also gave me instore credit instead of putting the return items on the card and when i return something they gave me less and i was upset about this some of the items are really cool. They also had issues with pricing the items. alot of my payments i made on due date and they would say it was not on time and then they try to put me in some hardship program which really did not help the consumer at all and you were receiving late fees and other issues.
Product: Mortgage

The bank we have a home equity loan with charged us approximately {$1700.00} for a six week lapse in homeowner 's insurance. They based the insurance on the value of the XXXX mortgage ( approximately {$450000.00} ) instead of the value of the home equity loan ( approximately {$38000.00} ). Furthermore, our bank ( USAA ) is an insurance company and knows that they are overcharging for this insurance. Clearly, USAA has overcharged us for insurance and has taken advantage of us. Also, USAA has reported the failure to pay the {$1700.00} for insurance to the credit agency as a past due bill, when it clearly is in dispute.
Product: Credit reporting or other personal consumer reports

unsure about the dates, but I have been talking to all 3 of the Bureau XXXX, XXXX, and XXXX constantly for the last several time about this. And trying to depute it online about this. And no reply! Now have all 3 BureaXXXX freeze, because different companies running my credit without my approval or they will tell me that it's a soft pull. and when I check my credit report, It pull my score down to XXXX to XXXX points. So now I have all 3 of my Credit Bureau freeze.
Product: Money transfer, virtual currency, or money service

To whom this might concern, My PayPal account is now permanently limited and currently has more than {$1100.00} that I couldn't withdraw for 180 days. 
On XX/XX/2022, at XXXX XXXX, I received an email from PayPal, with the title " You can no longer do business with PayPal ( Ref ID - XXXX ) '' and there was no in-depth explanation why. 
On XX/XX/2022, at XXXX XXXX, I emailed XXXX to inquire about the reason and seek help. No response was made for this attempt. 
On XX/XX/2022, at XXXX XXXX  I emailed XXXX to inquire about the reason and seek help. No response was made for this attempt. 
On XX/XX/2022, at XXXX XXXX I emailed XXXX again with more explanation on my side, hoping that someone can reply. No response was made for this attempt. 
On XX/XX/2022, at XXXX XXXX, I emailed XXXX again with more explanation on my side, hoping that someone can reply. This time I received an automated reply, but no other than that. 

All of my attempts to contact PayPal regarding my PayPal account were met with unhelpful responses. 

XXXX, CFPB can help escalate this issue to PayPal, I really hope to get my accounts back and continue my relationship as a customer with PayPal Inc. 
I have been nothing but respectful toward the company and would really appreciate it if they can resolve this issue. 
I will attach as many documents as possible ( my attempts to contact the company through emails ) I appreciate all the help and response I could get, thank you very much.
Product: Credit card or prepaid card

I was enticed to sign up for a Shell Fuel Rewards Mastercard because of the following promotion : " Earn 10 % Shell rebates on your first {$1200.00} Shell non-fuel purchases per year. '' I was led to believe, by the lack of clarity in the pitch, that any non-gasoline purchase I made on the card would give me a 10 % rebate on the first {$1200.00} ( XXXX dollars ). 

After speaking to the card company on the phone, asking why I was not receiving the promised rebates, I was informed that the rebates only applied to non gasoline purchases made in a Shell convenience store. Seriously? They think I understand that I am going to purchase XXXX a year in candy bars, chips and sodas? I am not a smoker, so there is no savings to be had for me. I was deceived into signing up for this card. The advertisement was ambiguous and deceitful. 

It is not clear when the say " Shell non-fuel purchases '' that they mean purchases in a shell retailer. I understood " shell non-fuel purchases '' to mean purchases made with the Shell Fuel Rewards Mastercard.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 information is inaccurate.
Product: Consumer Loan

I took out a title loan in XXXX 2014 for {$5700.00}. I asked that night of signing the contract how the payoff process works and was told to just " pay off as much as you can ''. I was unsure of the principal balance and payoff balance but they insisted that it was the same. There was no explanation. I 've asked for a settlement after paying over {$7000.00} to them already and I 've lost my job and can not work right now due to medical reasons. I 'm considering bankruptcy if loanmart does not offer a settlement offer I can afford. I got the vehicle appraised for {$2000.00} and showed them the paperwork and pictures but they still refused and want {$4000.00}. I 've filed a complaint through the XXXX as well and their response was that they would be willing to negotiate the settlement offer of {$4000.00} or lower my interest. I can not afford to continue to make monthly payments so I refused the lower interest option. They stated in their response that they would negotiate the {$4000.00} but whenever I call the number they list, I 'm refused a negotiation and say they will not go lower than {$4000.00}. Why does loanmart state in their public response that they will negotiate the offer but in reality when I call they become rude and unwilling to negotiate. I spoke with multiple supervisors and the manager will not return your call for months unless you call them and demand them to speak with manager. They even wrote on their XXXX repsonse that I refused to leave the manager a voicemail once, but they did n't mention the fact that I had already left the manager a message multiple times before with no repsonse, that 's why I refused to leave ANOTHER pointless message. I also spoke with my account manager XXXX regarding my debt owed on XXXX XXXX, and he became very rude and started threatening me that even if I filed for bankruptcy, they will still come after me for the balance I owed and rudely hung up on me after further stating that he was going to proceed with legal matters. This information he gave me is false, I spoke with my bankruptcy lawyer already and he said XXXX is not allowed to threaten me regarding the debt I owed in this manner. I 've already gone through the XXXX and loanmart responds with false actions. I want to settle my loan with them honestly but am being lied to and treated unfairly through this process. I feel like I was led into a trap by signing this loan with unclear explanations and now can not escape this loan. I 've raised my settlement offer to {$3000.00} by borrowing money from family but that is the most I can borrow for this settlement but loanmart still wants more. My credit is already ruined and I do n't know what loanmart wants me to do.