23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for and was given a {$50000.00} loan for home improvements and solar from a company in XXXX, California called Goodleap in the month of XX/XX/2021. 
I also contracted with a XXXX company galled XXXX XXXX from Utah for the installation of a solar electric system on my property. Value of contract was {$50000.00}. 
The solar system was installed on my property at the end of XX/XX/2021 but the job was not completed as of that date. On XX/XX/2021 Goodleap wire transferred to XXXX XXXX {$36000.00} for the solar system without my approval and was not the full payment of the contracted {$50000.00}. I reached out to XXXX XXXX regarding this payment and asked why they only received a partial payment for the contract and was told by XXXX XXXX of XXXX solar that Goodleap ( finance company ) takes 27 % of the contract as a dealer fee and that the {$50000.00} contract with them is complete and fully paid for. 
I asked XXXX where in the contract does it say that I am paying a 27 % fee which is {$13000.00} and was told that Goodleap charges that to the customer on every transaction. So the cost of my solar system was much less than the {$50000.00} that I paid and the finance company is stealing {$13000.00} from me on this loan. I did call the finance company and they have denied any fees that they paid although they confirmed that they only paid {$36000.00} to the solar company from my loan proceeds and there is nothing in the loan documents that says the loan company is going to take a 27 % fee for my loan. 
This is total fraud and the finance company has stolen {$13000.00} from me and will not tell me or give me any information regarding the transaction and only have told me that the loan has been fully funded. I know based on what he solar company has told me that this has gone on for hundreds or possibly thousands of consumers and entails millions of dollars if not tens or hundreds of millions of dollars in stolen money from unsuspecting customers purchasing solar and financing it through this company called Goodleap.

I did reach out to a lawyer regarding this and he did some inquiry and did confirm my complaint, however I do not have the tens of thousands of dollars that it is going to take to file a suit against Goodleap to get my money from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of account/item which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2015 Balance : {$45000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but XXXX and Equifax are neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy ... and the bank 's records ( learned through more research both parties require ). Please block/remove this file. If you feel there is a possibility this account belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on this account is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on this account is a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind.
Product: Money transfer, virtual currency, or money service

I have btc in a coinbase vault wallet and have been trying for weeks to get the links to authorize the withdrawal of funds to a regular XXXX XXXX  but the links do not work have sent in several emails reached out on several social media platforms with no clear solution or honestly a clear response other than generic emails saying my issue is being looked at when the support case is initiated the latest case number I have is XXXX which I have also sent to coinbase support in XXXX
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 

Please have these inquiries removed from my credit file immediately because it is making it very difficult for me to acquire credit. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Hello I have no knowledge of these inquires as I am a victim of identity theft. Below are the inquires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

After filing several disputes through XXXX XXXX that did not remove the credit reporting, I sent a letter with evidence shown below on XXXX XXXX. If you need to see the post office receipt, I can send that upon request. There was a letter sent to me after that, requesting that I pay the debt for debt collection. I have had no communications other than attempting to collect a debt. They did not send me anything in the mail, showing why they declined to remove the credit reporting on this false debt. The only types of communications has been them trying to collect the debt. I called yesterday, XXXX XXXX to ask about why they sent me another letter after I did the dispute in writing, they could not get a hold of the person only one person I can talk to about this problem. I had to leave my phone number for callback. I informed them that I work during the day and its hard for me to take a phone call. He did call back, as requested to leave the information, I was able to get to the phone and start talking with him about the dispute. He informed me it would take several weeks for the dispute to be reviewed and then proceeded to ask me why I disputed the debt and was attempting to collect the debt again. The call ended in frustration and I dont think theyre doing the right thing. 

The reason being I had my lawyer, send a letter, talking about the damages to my car, stolen tools, and the constant infestation of cockroaches they could not get under control or advise me how to fix. The XXXX XXXX manager, XXXX XXXX responded in writing, saying if I be OK with relinquishing my security deposit, the lease would be released. After that letter I moved out, returned to my keys and did not receive any other notifications that there was a problem. I forwarded my address they had my email and they had my phone number. I have not received any bills for damages or request for rent, the only way I knew there was a problem was the was when I received a letter from debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the company to let them know it was not me however they will not move the hard inquiries that IIn accordance with the Fair Credit Reporting Act. The List account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.

15USC 1681 Section 602 A States I have the Right to privacy.

15 USC 1681 Section 604 A Section 2. It also states consumer reporting agency can not furnish a account with my written instructions.

15 USC 1681 ( a ) ( 5 ) Sections States : no consumer reporting may make any consumer report contains any of the following items of information any other adverse of information, other than records or conviction of crimes which antedates the report by more than seven years. 
15 USC 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relation to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate did not authorize. 

Creditor Name Date of Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is in the Fresh Start Program anything over 7 years must be removed from credit report. It has been a total of 12 years I contacted Department of Education and they told me they would remove it they also told me to dispute is on my credit so I did the reported it as accurate this account should not be on my credit report it is stopping me from living basically I cant get a house because of this I need help
Product: Debt collection

ENHANCED RECOVERY COMPAN XXXX XXXX XXXX XXXX, FL XXXX Has been sending me collection notice in the amount of {$170.00} the collection has been reported past due. I do not know this company. I have never done any business with this company. This company do not have a contract with my signature.
Product: Credit card

Paid Wells Fargo credit card by phone on XXXX XXXX. Funds are still not available as of Thursday XX/XX/year> as of XXXX XXXX. 

My experience with Wells Fargo is that funds paid online from my XXXX XXXX XXXX are made available immediately. This is why I chose Wells Fargo to handle my responsibility to rent an vehicle to pick up a XXXX XXXX  at the XXXX XXXX and take to his hotel so he can perform tomorrow in concert.

If I had known that Wells Fargo has changed their policy, I would have used XXXX, XXXX XXXX XXXX or XXXX XXXX, who do not hold on to funds.

I offered to submit proof, that being a screen shot
from my XXXX  XXXX XXXX checking account, that the funds were taken from my checking account on XX/XX/year>.
Product: Debt collection

I had a {$300.00} credit limit with Capital one. The police took a rental car from me during a raid on a house I was at XXXX day. There was nothing illegal in the car. Me and my attorney informed the airport what happened cause they didnt return the car like they said they were going to do. Then the credit card company allowed the airport to make a large purchase more than my credit limit. I believe it was around XXXX. I didnt pay the company so they passed the info to a collection agency and they were calling me. I informed them of the incident and put a dispute in but was denied. I asked how the company allowed a purchase to be made that was more than my limit. The company still calls me ( XXXX )
Product: Debt collection

I was sent a collection debt notice from XXXX XXXX. My drivers license that was stolen was used to rent the cargo van fromXX/XX/XXXX-XX/XX/XXXX. I did file a police report in XXXX and will be submitting a copy to the collection agency to resolve it.
Product: Debt collection

I am filing this complaint in regards to an account that is being reported on my credit report by this collection agency. They brought this alleged debt from a different collection agency that in terms had no right to collect so they withdrew from collecting and now this collection agency is reporting on my credit report in violation. They did not send me any notification or any chance to even dispute this account that they are reporting under my social security number. if they claim to have send me something I would like to know what the tracking number is so that I can track where this was send because this is a clear violation of my rights and I demand that this account is removed immediately and not continued to be sold that this stops here and right now!
Product: Credit card or prepaid card

Macy 's Amex  card ( now closed ) shows remarks on late payment in XXXX and XXXX ( 60-89 days late ) which is incorrect and I am disputing to have the remarks removed from my record. Macy 's Amex acknowledged the returns made in XXXX but posted them 3 months late in XXXX. Due to their internal irregularities, the balance on XXXX and XXXX statement was incorrect and they charged me interest and fine for overdue balance. Since then I have disputed the overdue balance, the interests and fines and the company finally resolved and reversed them late XXXX. My account clearly shows I never had dues since XXXX and therefore no payments were needed. However, the company is reporting late payment in XXXX and XXXX ( 60-89 days late ) on my account, which is hurting my credit score. The late payment remarks of XXXX and XXXX need to be removed. So far, the company has been slow and uncooperative in helping out clear everything at one go.They do it in bits and pieces, and have made it a miserable experience for me. My credit score was badly damaged because of them. I need you to take serious action againt this fraudulent behaviour on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I mailed the attached documents to Equifax Information Services, LLC. and asked that they provide an original, signed contract from XXXX  XXXX   car company. If they couldn't provide me the information, I demanded they remove the item under FCRA 609 ( a ) ( 1 ) ( A ). The returned my investigation results as the account being verified without providing me the original, signed contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is breaking the law. 15 USC 1681s2 ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. I have disputed XXXX XXXX acct XXXX And XXXX XXXX XXXX XXXX. These are fraudulent accounts that I have disputed to experian and cfpb. These fraudulent accounts did not report that I, the consumer, disputed these accounts on the credit report. This is in direct violation of the law I stated above. I took a picture of the account info and you will notice that it is not on the credit report that I disputed these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 sent a 3 letters regarding fraudulent accounts on my credit report. To this day over 60 days later and I still have not received a response yet. I like im being take advantage pf and being ignored of my disputes.Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I was also affected by XXXX  breach and ive been getting alert that my information was compromised on the dark web. I have never done business with these companies and i am asking that these fraudlent account tp be removed. I have attached my Drivers license and the FTC reports
Product: Consumer Loan

I purchased a XXXX Chevy HHR XX/XX/2013 from Drivetime for XXXX-XXXX. I ca n't remember the exact price because I do n't have the paperwork with me but it was in that range and I do have the paperwork. At the time I did not realize that this price was way too much for this vehicle. I admit I did not do my research. Be that as it may, some how I find myself 3 years and 4 months into a 6 year loan and I still owe over XXXX dollars on this car. This car in excellent condition for trade is only valued at $ XXXX- {$4300.00}. How is this fair? I 'm in the military and my family has grown since the purchase of this car and we really need to be able to trade or sell this vehicle for a larger one but we are upside down and trapped so it is hopeless and impossible. I 've have talked to several dealerships, private sellers and auctioneers, and even drivetime themselves to see if anyone can do anything for me and all of them have said it 's not possible with what you owe on the vehicle. I even tried to see if drivetime would allow me to trade to them for a larger vehicle and just roll the remaining balance into the new loan and they said I just owe too much. Which is crazy cause I owe exactly what they told me to pay for the vehicle. I 'm just lost and at my wit 's end and hope you can help me remedy this situation. I 'm not looking for anything extravagant or any extras I just want to be treated fairly so that me and my family can have the proper sized vehicle.
Product: Credit reporting or other personal consumer reports

Report Number : XXXX Dear Experian, I am writing to formally dispute inaccurate information on my credit report and to remind Experian of its legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically the following provisions : 1.15 USC 1681i ( a ) ( 1 ) : This section requires you to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving my dispute. I am formally disputing the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please verify and investigate these accounts and provide documentation showing their accuracy or remove them immediately from my credit report.

2.15 USC 1681i ( a ) ( 6 ) ( B ) ( iii ) : This section requires Experian to notify me of the results of your reinvestigation within five business days after its completion. Please ensure that your response includes all relevant details of your investigation, as well as the updated status of the disputed items.

3.15 USC 1681i ( a ) ( 5 ) ( B ) : This section prohibits you from re-inserting previously disputed information into my credit report unless you provide written notification to me within five business days prior to the reinsertion. Furthermore, this notification must include certification that the information has been verified as accurate.

Additionally, I request that Experian only contact me via certified mail at the address listed above regarding this dispute. Any failure to comply with this request or the provisions listed above will be considered a violation of the Fair Credit Reporting Act.

I expect full compliance with these provisions and your timely response to this dispute. Please provide all documentation supporting the continued reporting of the disputed items or delete them permanently from my credit file.

If Experian fails to comply with the aforementioned laws, I reserve the right to escalate this matter further, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be 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  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.