23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I will not go into the backstory of how XXXX XXXX got us into this mess. Or how we were cheated by XXXX XXXX. This is a complaint about goodleap. However, I believe and at some point I believe it will be proven if the powers that be will investigate that XXXX XXXX and goodleap were colluding with each other in an alliance to get people who could not afford the loans to believe they could with promises of rebates and the payments of first year on them ( XXXX XXXX ) and the huge federal rebate we would get along with not only not having an electric bill but selling our excess back to the electric company. So we were talked into getting more panels to sell more electric and get a larger rebate. This all started in XXXX of XXXX. We did not fill out a loan application. When we realized we were not getting either of the two rebates we were promised the Goodleap pointed out to me in their email exactly where it said they were not promising a rebate and that it says to contact a tax expert. Now to me that proves up front they knew we were getting nothing. Why would that need to be in there. I started doing research and apparently this company gas a history of this type if bad faith loans. I later heard they put a lien immediately on the solar on your roof so if you sell your house they get paid off. So i checked. They put the lien on immediately. No waiting period. Just poof- a lien . No late payments-nothing. Them i checked my credit score as I regularly do and found out I now owe more than when I started. So we owe around XXXX on nothing. We own our home. Cant sell it. Dont have solar. Greenleap knew exactly what they were doing. When they payment balloons at 18 months because there is no rebate to keep it low. We will have to file bankruptcy. We can not make that payment. If they checked our credit they knew we do not owe taxes and that taxes is where the rebate cones from. We did not. We thought it was a government incentive. We offered a payment plan to them based on what we can afford no answer from them. I have filed a complaint with XXXX They have responded with ridiculous solutions that are not acceptable. I would like this company to be investigated and I ask to be released from this loan that should be illegal. My husband is XXXX and i am almost XXXX. We are going to lose everything due to their deception. Please help us.
Product: Credit reporting or other personal consumer reports

For many years, I have been unable to login to Equifax. I can not see my Equifax credit report, and more importantly, I can not create and manage a freeze of my equifax credit report. 

XX/XX/year>, I was told that I can not create a new account because I already have an account, and I was told to sign in, and click to reset my password. When I tried to reset my password, I was told, We are temporarily unable to complete this request. Please try again later. 

XX/XX/year>, I had the same experience. I could not sign in, with Equifax saying that my email/password was wrong. Then I tried to create an account, and was told there was already an account for that email address. I was prompted to sign in again. Then I was told to leave and come back later. 

The problem is that I can not see my Equifax credit report, and more importantly, I can not create and manage a freeze of my equifax credit report.
Product: Credit card

RE : Transaction Date XX/XX/2023 Merchant name : XXXXXXXX XXXX in the amount of {$410.00} Chase website does not allow me to open a dispute against aforementioned merchant in aforementioned amount, therefore I called Chase on XX/XX/2023 to open dispute against aforementioned merchant in the aforementioned amount. 

Chase Representative additionally refused to let me open a dispute on aforementioned transaction but promised an investigation will happen to ask merchant to refund my account. No more than 30 minutes after this phone call I received an emailed letter from chase stating we resolved your dispute. However, nothing was resolved, nothing was refunded, What a farce and a Sham. Chase did nothing to resolve my dispute, chase refused to open a dispute and you refused to let me upload supporting documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit 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 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

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. Its been over XXXXdays so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me.

Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Student loan

Loan provider ( Navient ) lowered month due amount by XXXX %, while also preventing me from easily setting up recurring automatic payments. This option was previously available by other lender ( XXXX XXXX ) before being sold. This makes it more difficult to pay off loan amount quickly and shows the provider is seeking to get as much interest as possible. I did not approve lowered rate, but was rather opted into it by Navient.
Product: Credit reporting, credit repair services, or other personal consumer reports

CRA is erroneously reporting derogatory items and inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX REQUESTED INVESTIGATION The credit bureaus never did a proper " investigation '' according to the FCRA. Section 1681a of the Fair Credit Reporting Act defines an investigative consumer report as a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They did not do this. Also they have violated my rights even more. The credit bureaus stated my account was properly investigated but how is that possible if I never gave any these creditors written consent to use my personal information or social to open any of this fraudulent account.Someone is using my personal information pretending to be me to obtain credit. I don't know anything about this fraudulent account. I don't have any closed accounts with XXXX XXXX XXXX. Also they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. The credit bureaus stated it was properly investigated but how is that even possible if XXXX XXXX XXXX DID NOT GET ANY WRITTEN SIGNATURE OR AUTHORIZATION FROM ME. This account is fraud or a mix match file that does not belong to me BUT SOMEONE ELSE WITH A SIMILAR NAME, this is in accurate, I have never opened or closed any account with XXXX XXXX XXXX This account does not belong to me. I have never gave XXXX  MY SOCIAL SECURITY NUMBER OR PERSONAL INFORMATION TO OPEN ANY ACCOUNT. This grounds for removal and deletion immediately. I never gave XXXX XXXX XXXX ANY WRITTEN CONSENT OR AUTHORIZATION TO USE MY PERSONAL INFORMATION TO OPEN THIS ACCOUNT. THIS IS FRAUD OR MIX MATCH FILE. I'VE ASK FOR SIGNED DOCUMENTS WITH MY SIGNATURE GIVING WRITTEN CONSENT TO OPEN THIS FRAUDULANT ACCOUNTS. SOMEONE USE MY PERSONAL INFORMATION PRETENDING TO BE ME WITHOUT MY AUTHORIZATION OR CONSENT TO OPEN OR CLOSE ANY ACCOUNT WITH XXXX XXXX XXXX They also violated the law because according to 15 U.S.C 1681 section 602 A. states i have the rights to privacy 15 U.S.C 1681 section 604 section 2 : it also states a consumer reporting agency can not furnish a account without my written consent. THIS ACCOUNT IS Obsolete Outdated AND Too old to be on file ACCORDING TO THE FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these erroneous items. 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. These were already included in my prior complaint and I'm including them again. 

XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I HAD AN AUTO LEASE WITH ALLY BANK. ON XX/XX/18 THEY RECIEVED A LEASE BUYOUT CHECK FROM THE DEALERSHIP. I CALLED ALLY BANK 4 TIMES IN XXXX TO CONFIRM THIS INFORMATION, THEY TOLD ME EVERYTHING WENT WELL AND I NO LONGER HAVE A LEASE WITH THE, TODAY I WAS NOTIFIED THEY REPORTED THE LEASE AS DELIQUENT. I CALLED ALLY BANK AND SPOKE TO XXXX XXXX IN CUSTOMER ESCELATIONS WHO SAID THEY NEVER REPORTED ME AS DELIQUENT. I TOLD HIM I WAS LOOKING AT THE NEGATIVE REMARK ON MY CREDIT. I ASKED HIM TO PROVIDE ME SOMETHING IN WRITING TO SHOW THIS IS INACCURATE AND HE SAID HIS DEPARTMENT CAN NOT PROVIDE ANYTHING. 

EVERYONE FROM ALLY BANK CONTINUES TO SAY MY ACCOUNT WAS CLOSED WITH THE DEALERSHIP BUYOUT AND THAT THEY NEVER REPORTED ME AS DELIQUENT.
Product: Checking or savings account

Between XX/XX/XXXX and XX/XX/XXXX, three fraudulent accounts were opened using my SSN with Bank of America. I don't have an account there. I did have a credit card with Bank of America up until 2018 but closed it due to my frustrations with their customer service. After the first fraudulent account was opened on XX/XX/XXXX and I was alerted by email, I did everything that was suggested to freeze my credit. I went to the XXXX and put a hold on that. But despite this, another account was opened with my SSN on XX/XX/XXXX. I thought maybe the XXXX freeze hadn't taken effect yet so I didn't get angry about it. I got this account removed like the other one. 

The main frustration came next. I sort of relaxed a bit and thought that it was done but it wasn't. It turns out that more accounts were opened by Bank of America. This included on XX/XX/XXXX, the account that I thought I got removed which was reactivated on XX/XX/XXXX. Moreover, another account was opened with my SSN on XX/XX/XXXX. Whoever was doing this wised up and removed my email from the alerts. I didn't know until I checked my credit reports on XX/XX/XXXX. I did finally get someone to put a freeze on my SSN but who knows if that means anything with Bank of America. I spoke with someone online who just had another issue with a fake account so who knows. 

My frustration isn't with the fact that someone opened an initial account with my SSN. I get that that sometimes happens. My frustration with Bank of America is the three accounts that were created after. It shouldn't be so easy for fraudsters to continue to create accounts online with Bank of America after this happened. When someone freezes an account, it should be frozen and there needs to be a process. It should be assumed that the person calling up to complain is that with the actual SSN.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Product: Debt collection

I send a FTC report to all three major credit bureaus on the XXXX of XXXX letting them know I have been a victim of identity theft. The unauthorized Account still remain on my credit company name XXXX XXXX amount {$190.00} date of charge off XX/XX/XXXX XXXX XXXX XXXX XXXX amount {$870.00} date of charge off XX/XX/XXXX XXXX XXXX XXXX amount {$450.00} charge off date XX/XX/XXXX
Product: Student loan

The cosigner on my private loans was paying one of my loans from Sallie Mae through Navient. He was assisting me with this loan because I have already been struggling with other student loan payments. After my cosigners death, the automatic debit from his bank account stopped and now the loan is a few months passed due. With an already extreme interest rate, the principle is now even larger. Only after contacting Navient did they inform me that there was nothing they could do and the loan would be completely on me to pay. Even with my other loans from Navient and XXXX being on an income-based repayment plan, if I were to start paying this outstanding loan by myself, I would be paying over {$1000.00} per month just in loan repayments. I am starting to believe that Navient is not giving me the lowest possible payment on an income based plan. People who I know that are in similar situations pay much less. I have over {$200000.00} in student loan debt, with a job that requires a XXXX XXXX and only pays {$55000.00} per year. This student loan debt is near crippling to someone who lives in an expensive metropolitan area for work, is newly engaged and wants to start a family. There is no end or relief in site for me or others in my situation. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, VA XXXX- This address doesnt belong to me. Remove this inaccurate information immediately from my credit report! 

XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX  XXXX Account Number : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX XXXXXXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX Account XXXX : XXXX XXXX. XXXX  Account Number : XXXX XXXX. XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXX XXXXXXXX XXXX  Account Number XXXX XXXX XXXX XXXX Account Number 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
Product: Mortgage

I am in the loan modification process and I was contacted by a SCAM company who said they were from my mortgage company. I provided them through an online form my loan number and SSN, but called my mortgage company about what this person told me and found out that I was being scammed into paying a payment in a couple of days. I am reporting that they are impersonating being a part of Veterans United Home Loans and asking for a payment on the loan.
Product: Payday loan, title loan, or personal loan

The company called Mariner Finance originally lent me {$1500.00}. Throughout the course of my relationship with the company additional loans and adjustments were made. 
Just because I got behind in the payments the company started making threats which began with a young lady in their XXXX, NJ office who mentioned the threat of legal action. 
Not because I wouldn't pay but because I couldn't pay it due to other bills that had to be paid. In a letter dated XX/XX/2019 one of the paragraphs reads as follows : The continued delinquency of your account has led to its potential referral for legal action to collect the balance due. Demand is hereby made for full payment of this debt to Mariner Finance. Payment in full, including any additional interest or costs that may accrue must be received with in ( 15 ) days of the date of this letter or suit will be immediately filed against you unless alternative arrangements are made. Once the judgement is made against you, Certain assets securing your loan may become subject to actions for collection and counsel for Mariner Finance will use all lawful means available to collect the total amount owed including the accrued interest, fees and costs. Mind you I just received this letter XX/XX/2019.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I sent a statement requesting a verification or proof of the alleged debt accounts and a copy of the original agreement signed by all parties involved related to many fraudulent accounts reported on my credit report. I have sent many requests disputing those accounts since I have been a victim of an Identity Theft. 
My information was sold and bought illegally because I was a victim of the Equifax, XXXX XXXX XXXX XXXX data breaches. After disputing many times with XXXX, Equifax and XXXX these accounts are continuing to be verified confirming that these accounts are my responsability. The accounts disputed with the credit bureaus are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX performed an inquiry on my credit that was for prescreening. I never authorized an inquiry on XXXX XXXX, 2016 that would be an impact on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, To whom it may a concern, I have recently pulled my credit report and noticed the closed account XXXX/XXXX being reported as a charge off, however the address associated with this account is incorrect and inaccurate. According to the fair credit reporting act I ask this account be deleted and completely removed off my credit report immediately.
Product: Credit card or prepaid card

On XX/XX/XXXX, I initiated a balance an online balance transfer with capital one to my credit line account I have with chase bank. The XXXX   account number and address was added to the online form to initiate the transfer. After 1 week of not receiving the transfer, I called capital one and the rep promised to look into it. It was about 2 weeks after I then received a note from capital one after a second call that indicated that the transfer was not processed because it needed to be transferred to a card number. Capital one letter to me just indicated that the transfer was unable to be processed. A month after that I observed the the transfer balance still continued to be reflected as a credit to be account. I called Capital one and they promised to investigate it. I did not not receive a call back and so I called again. This time the rep says that a ticket will be opened to sort it out. Over the last 5 months I have called capital one about 10 times to resolve the issue. One month ago I spoke with Capital one and XXXX together on the phone ( we were conference in by Capital one ). XXXX indicated to Capital one that they do not have any record of the transaction. To the best of my knowledge XXXX has communicated that in writing also to Capital one since I received a letter from chase indicating that they have no record of the balance transfer. I have spoken to at least 4 different account supervisor at Capital one and they are refusing to remove the {$2000.00} from my account. I want to close my account but I need this resolve before I close since I have no confidence in capital one keeping up the standards of a reputable company. In addition I need capital one to refund all my overpayment in interest payment. I will appreciate the CFPB helping me resolve this.
Product: Debt collection

Midland Credit Management sued me without my knowledge and got a judgment against me. They sent all paper work to a old address after I moved out.i moved out XX/XX/XXXX of XXXX they filed XX/XX/XXXX well over a yar after I moved out. The new tenants of old address fraudulently signed for certified mail. Every time I have moved I put in a change of address so don't know why it even went there. I have contacted chief of compliance twice about issue but never hear anything back. Guess cause they got a unfair judgment they won't reach out
Product: Credit reporting, credit repair services, or other personal consumer reports

Improper use of credit report : Late payments posted to accounts