23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX, I contacted GoodLeap regarding damage to my roof, which occurred during the installation of solar panels by XXXX, a company that has since gone out of business. GoodLeap, despite being the financier, refused to take responsibility for the damage. I reached out multiple times, but they insisted their only role was providing financing and declined to address the issue.

In addition to refusing to resolve the damage, GoodLeap makes it difficult for customers to update payment information on their website and in their records. I escalated the issue by contacting my state senator, but GoodLeap continued to deny responsibility, stating they are simply the financier and not accountable for the damages. 

On XX/XX/XXXX, I agreed to a payment plan with GoodLeap, with my first payment scheduled for XX/XX/XXXX. However, on that date, GoodLeap processed three payments instead of one and refused to return the overpayment. When I contacted them, a representative incorrectly claimed I made an error, even though one payment had already been credited to my account. Despite repeated attempts to resolve the overpayment, I was told no one could assist or issue a refund. GoodLeap continued to bombard me with text messages and emails, demanding multiple paymentsan aggressive and harassing tactic.

In addition to these issues, on XX/XX/XXXX, I set up a new payment arrangement with GoodLeap, providing my banking information for an ACH withdrawal to bring my account up to date by XX/XX/XXXX. They processed the payment as agreed, and the subsequent payments were set at {$110.00}. However, in XX/XX/XXXX, GoodLeap altered the agreement, sending me a bill for {$380.00}, contradicting the terms we had established. Despite my attempts to resolve this, GoodLeaps customer service continues to mishandle my account and refuses to adhere to the agreed terms.

GoodLeaps persistent harassment, including sending a representative to my home with threats of legal action, needs to stop. They have not taken responsibility for the damage to my roof, and their continued mishandling of my account is unacceptable.
Product: Credit card or prepaid card

Back in XX/XX/2018 my husband and I went to participate in a timeshare presentation where we believed to be signing up for an honorable service. At the conclusion of the process, in order to qualify for the program we applied for a credit card through Barclay 's to cover the initial payment. After our interactions, we found that I was approved and he was denied. After a couple weeks, we never received the credit card and the promise of a very luxurious vacation. We were given 30 days to sign up for the luxurious vacation and experienced extreme delays and contacted XXXX several times about the vacation. Once the 30 days lapsed we no longer found the firm to be reputable and felt we were victims of a deceptive act in order to get us binded into the contract which has many contradictions. We contacted Barclays and declined to make any payments as a result of the above interactions. Barclay 's  promised to do an investigation and sent various letters however never got back to us about our concerns with a resolution to cease the contract and void payments. They posted to my credit report as well as to my husband 's ( who was denied ) and as of Tuesday, XX/XX/XXXX Barclay 's posted a past due on my credit report. 

We contacted XXXX a few days ago who stated they were coming up with a " resolution '' which for us is to be removed from all communications, cancel of the contract and removal from our credit reports.
Product: Credit reporting or other personal consumer reports

When I fell on hard times, I resorted to settlement agreements with multiple credit lenders following a divorce. XXXX XXXX XXXX agreed to a settlement with which when it was finally paid off, they said they would initiated a good faith removal of any negative reporting to my credit report. Late payments, settlement status, and clean the report underneath their accounts. This same agreement was reached with XXXX XXXX as a joint loan with my ex-wife. Once this was paid off, they said that they would remove the negative remarks with regards to late payments and settlement status. I have reached out multiple times directly to the companies and all of the credit bureaus to initiate investigations and every time it is closed almost immediately without any update. Aside from this, XXXX closed my accounts without notification, and these amounts were sent to a debt collector who does not have my debt agreement or debt amounts so all it shows is closed accounts with a balance. XXXX said they closed the balances at an operating loss and had no need for reporting anymore so I discussed with them to remove the amounts but they said it was no longer within their hands because it was sent off to a 3rd party agency. This agency does not have the agreement however so it is stuck in limbo. Then finally, the XXXX XXXX XXXX XXXX that shows a missed payment is incorrect. I sold the vehicle to a car dealership that underpaid XXXX XXXX from their profit. XXXX XXXX acknowledged this issue and said they would remove the remark within 90 calendar days. They have not. Despite multiple attempts to contact them and initiate disputes with the credit bureaus. These disputes also get shut down almost immediately with no update
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX Balance : {$570.00} ; XXXX XXXX XXXX XXXX Balance : {$770.00} ; Medical XXXX Balance : {$500.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

Someone stole my debit card a couple months back and made several transactions before I realized it was being done and when I finally realized my card had been being used I immediately called navy federal and reported it they canceled my card right then and issued me a new one and opened up a fraud claim at the time then as we waited for the investigation they temporarily put the money back in my account as I waited as was uneasy as through my phone navy federal app I could only see that months worth of transactions so I called back and asked could they send me the last 6 months worth of transactions so I could look over them months to make sure I didnt have any fraud on those months and sure enough I found more fraudulent transactions on those months as well when they arrived I called back in and reported those months as well. They totaled up how much was taken from me and put it back in my account until the investigations was over. And then after all of that they told me they saw no error in my accounts and took all my money back out of my account and gave me no time frame. I did everything I was supposed to do on my end and someone got away with stealing thousands of dollars from me
Product: Payday loan, title loan, personal loan, or advance loan

I joined a course called XXXX XXXX XXXXXXXX ( XXXX ) back in late XXXX of this year. Around XX/XX/XXXX. It was going great until the CEO of XXXX claimed bankruptcy. I was provided services for about half of my promised term, which was supposed to be 6 months. I only received about 4. I filed a claim on XX/XX/XXXX to cancel my loan with Universal account service because the initial company ( XXXX ) that made me go through this 3rd party, has claimed bankruptcy ( Around XX/XX/XXXX ). They were not able to provide me with the full terms of service, which has made me decide to stop paying off the loan. I payed 4 months ( From beginning of XXXX beginning of XX/XX/XXXX ) worth of payments of {$210.00} for a total of {$870.00}. I currently have a remaining balance of {$9900.00}. When it comes to actions taken by me, I call UAS about 2 times a week to get an update, and am responded with nothing but rude answers. I've talked to XXXX XXXX, XXXX, and the worst one of them all XXXX XXXX They continue to say, '' We are waiting for the merchant to respond '' or " We are in merchant review '' " You're just going to have to play the waiting game. '' But the merchant ( XXXX ) has gone bankrupt. Are they every going to get back to them? I'm assuming they're not. I have gone back to the website where I signed documents for XXXX and yet, there is nothing to be found. It's hurting my credit because it is considered a late fee. I would love to have the loan canceled and my credit saved.
Product: Credit reporting

I recently pulled a copy of my credit report and noticed the following information are in error : Credit Inquires : The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following credit inquiries are related to none of the aforementioned permissible purposes : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I talked with a representative for XXXX XXXX for my XXXX Store card and I was told I had to make equal payments on three phone purchases I made which made my minimum payment {$100.00}. I tried to dispute with them to lower the amount to {$51.00} as I been paying way over the minumum payment requirement to cover the phone purchase that had a balance of {$810.00}. The representative told me that I had the option to see the purchases, and the current balances on them and that I had the option to allocate the payments. This is incorrect, my billing statement and my account online does not have any of those balances visible, and no allocation options like my other cards from this provider. My XXXX store card let 's me see these balances and allows me to allocate but not the XXXX store one. I find this unfair as I have the dates of payments where I paid higher then the mentioned {$100.00} and payments that occurred twice in the same month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account in XXXX and XXXX to the Credit Bureau and to the 2nd collection agency that purchased the account. To this date Perfection collection has never provided a signed original contract validating the Debt. Last year in XXXX the account was removed from my credit report and placed back on in XXXX of XXXX. The company keeps claiming they validated the account but as the consumer requesting a copy of the original contract with my original signature which I am entitled, perfection collection continues to ignore my request for this document. 

Recently I just requested information from the listed original creditor which is listed as XXXX   XXXX, they provided a letter stating the original delinquency date was XX/XX/XXXX the date of the first missed payment which is about 7yrs ago, also I was provided a copy of a letter from the original 3rd party  collections agency which is XXXX XXXX XXXX XXXX dated XX/XX/XXXX so even if this debt were to be validated with an original contract with my original signature this should be off or coming off of my credit report on XX/XX/XXXX
Product: Credit card or prepaid card

I opened my account in XX/XX/XXXXwith an interest rate of 9.24 %. For the past year the interest rate on my account had been modified to 11.24 %. On XX/XX/XXXX I received a notice that my APR will be increased to 15.24 %. 
On XX/XX/XXXX I called Chase customer service, the representative stated due to market, they have decided to increase my rate to reflect the market. 
Please note for the 10 plus years that I am a card member, all payments were made on time.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

ON MY CREDIT REPORTS, I HAVE A XXXX DAY LATE PAYMENT ON MY SUN FEDERAL ACCOUNTS WHICH WAS DONE IN ERROR. I SPOKE WITH A REPRESENTATIVE FROM XXXX XXXXXXXX BY THE NAME OF XXXX XXXX WHO ACKNOWLEDGE THE ERROR AND STATED THAT THE CREDIT BUREAUS WERE CONTACTED TO CORRECT THE ERROR. I HAVE DISPUTED THIS INFORMATION WITH THE CREDIT BUREAUS AND THEY CONTINUE TO SAY THAT THEY INVESTIGATED THE INFORMATION AND FOUND IT TO BE CORRECT ; WHEN IN FACT IT IS AN ERROR THAT THEY REFUSE TO FIX. MY ACCOUNT WAS NEVER XXXX DAYS LATE AND THE XXXX XXXXXXXX XXXX XXXX SUBMITTED THE CORRECT INFORMATION WHICH XXXX, XXXX AND EQUIFAX WILL NOT FIX. 
THIS IS A VIOLATION OF THE LAW TO HAVE INCORRECT INFORMATION REPORTING ON MY CREDIT FILE, NOT ONLY THAT, MY CREDIT SCORE DECREASED OVER XXXX POINTS BECAUSE OF THIS. IT ISN'T FAIR THAT MY CREDIT SCORE AND MY CREDIT FILE HAVE TO SUFFER DUE TO AN ERROR THAT HAS BEEN DISPUTED NUMEROUS TIMES AND THESE CREDIT REPORTING AGENCIES REFUSE TO FIX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had SIX late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXXXXXX XXXX  : [ # XXXX ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently checked my updated personal credit report and I noticed that there are unauthorized inquiries reporting on my personal credit report. I contacted the company and asked them to remove their credit inquiries from my credit profile. I request that CREDIT BUREAUS initiate an investigation into the following inquiries listed on my credit report to determine who authorized these inquiries. If, once their investigation is complete, find my allegation to be true, please remove these unathorized inquiries as soon as possible : XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

In XX/XX/XXXX, I read an article which indicated that the student loan servicing company, Navient, cancelled {$1.00} XXXX in private loan student debt in 36 states including DC. Either knowingly or unknowingly, the Texas Attorney General did not enter into the litigation which unfortunately leaves me and I'm sure many other Texans excluded from what could've resulted student loan debt cancellation. 

These are the details of my loan : Loan Type PRIVATE Current Owner NAVIENT XXXX XXXX XXXX Disbursement Date XX/XX/XXXX Original Principal {$12000.00} Unpaid Principal {$13000.00} Unpaid Interest {$58.00} Current Balance {$13000.00} Interest Rate 10.000 % Interest rates on private loans are set by the lender. 
Interest Type Variable Repayment Start Date XX/XX/XXXX Estimated Payoff Date XXXX/XXXX/XXXX As the co-signer, I have been paying on this loan for over 10 years and as you can see the balance is well of the original loan amount. This is predatory and I do not understand why it takes the Attorney Generals in each state to resolve something that should be resolved by the government for all the states. 

I am disheartened by what has happened and do hope there is something CFBP can do on behalf of people who reside in states that were not represented in the litigation. 

Below is the link to the article regarding the settled litigation with Navient : XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

This company is attempting collect an alleged debt of {$590.00} that is reporting onto my credit report and I have contacted them multiple times requesting debt validation. This company refuses to validate this alleged debt and it is still showing up on my credit report. 

On XX/XX/2020 I spoke with someone at XXXX XXXX  about the dispute letters that I have sent. I was told that they have my dispute letters yet The Bureaus has no media on file to validate the debt and that is why I have not heard anything back. They said they will send validation when they can find the documentation. 

How are they reporting onto my credit report and they have no media to validate the debt. I also updated my mailing address with them so that they can make sure that anything they send makes it to the correct address. It has been almost a month and a half and I have received nothing, yet they have not validated. 

I want this alleged debt removed from my credit report and my file closed in their offices!
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to remove inaccurate collection account from Credit Reporting Agencies. Failed to remove after supposedly verify with collection company. This is in regards to a collection agency that is trying to collect on an account from XXXX XXXX that was closed and paid in full. 
Attachment 1- Final negative account balance Attachment 2 - Account noted closed in comments section.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my transunion credit report on line. There were Tax Liens from the County Recorder of Deeds, and U. S. Bankruptcy Court items listed on my credit reports. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. 

The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. 

My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed XXXX Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unawares to the consumer, and in most cases, incorrectly. Considering the information indicating a Fair Credit Reporting Act violation, I need all tax lien and bankruptcy information currently showing under my social security number to be PERMANENTLY DELETED from my credit report immediately. 

The transunion Credit Bureau needs to provide me with copies of all documentation associated with these Public Record Accounts bearing either a court order to place this information in my credit report, or my authorization of release bearing my signature. In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under Public Records needs to be immediately deleted from the credit file you maintain under my name and social security number. Be further advised that I am closely monitoring my credit file. Per the Federal Law, you have exactly 30 days to complete this investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). 

Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. Otherwise, anyone paying for your reporting services could fax, mail, email in fraudulent and erroneous account information. As such, if this unauthorized public record information is not deleted from my credit report within the next 30 days, I will be filing a complaint to the Federal Trade Commission, Consumer Financial Protection Bureau.
Product: Mortgage

Loan was sold off to Greentree with clear directions for taxes to be paid from our escrow account. XXXX months after Greentree took over we received a late tax notice from our county treasurer. The loan documents given to Greentree at the time of transfer clearly state that taxes are to be paid through escrow. Greentree took not only a lump sum escrow payment at transfer ( specifically for taxes ) but has also been collecting escrow money from our monthly payments ( specifically for taxes ). When we called to see why Greentree was not paying our taxes from escrow we hit a wall of ineptitude and rudeness. Greentree required we send a copy of our late tax bill to their escrow department even after verifying that the original loan documents did indeed state that taxes were to be paid from escrow. Why are customers required to clean up the messes of Greentree when it 's their backwards company policies that are causing these issues? Why do consumers have no say on who buys their loan from their original servicer? Why is Greentree allowed to still do " business '' even after settling with the government for just such infractions? A horrible company with horrible staff. Steer way clear if you have any choice in the matter.