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

In XXXX XXXX, I called XXXX XXXX, to clean my AC unit and furnace. XXXX XXXX was having a special price to complete both cleanings for {$29.00}. The XXXX XXXX service person, was in the process of cleaning the furnace and brought to my attention the condition of the furnace. The circuit board was burnt around the holes where the diodes and resistors are soldered in. The previous owner installed the furnace directly on the floor, instead of platform, which is the proper way to place a furnace. There were numerous and dangerous issues with the furnace. The service person, advised me that it would be best to replace the furnace. After seeing the pictures of the furnace, I was in agreement. The XXXX XXXX service person, then called the office and a manager was instructed to come to my house to sign a loan agreement. I signed the agreement, thinking that there wasn't an option or an alternative for me, as I didn't have the funds to buy a new furnace and have it installed. Once I began making payments, I noticed the principle balance never decreased. After going over the details of the loan, I also noticed that the majority of the monthly payment, is interest charges on the loan. To date, the balance still remains at above {$10000.00}. I called Greensky and asked them to have the furnace removed and I would find a new one on my own and have it installed. Greensky advised me to call XXXX XXXX, to see if they would be willing to remove the furnace, they refused. Now I am stuck in this payment that is quickly going nowhere. The principle balance and the interest remains the same, after making payments for almost a year now, the same figure remains on the invoice, it does not go down.
Product: Credit reporting, credit repair services, or other personal consumer reports

After many unsuccessful occurrences of forwarding disputes to Equifax by certified mail to inform them of the negative effects their false and Inaccurate reporting has caused. At this juncture I'm moving to provide evidence of Equifax 's willful defamation of my character due to the continued false reports that are being published by their firm. These reports stand as violations of the FCRA and continue to cause a burdensome strain on my credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - I submitted a dispute to LVNV Funding ( a debt buyer ) to delete the inaccurate information from my credit report. As of today XXXX XX/XX/XXXX ), LVNV Funding continues to break the law by reporting erroneous, unverified, and inaccurate information on my credit report. LVNV is a CA and not a factoring company ; thus, I have no contract with this company. Further, this company has not proved they own the debt ( as they would have to do in a court of law ). Statements with my name are not " proof '' they own the debt. I've even sent letters to LVNV and they have failed to validate the debt. Moreover, the account is reporting inaccurately and is in violation of FCRA. I have no agreement with this company. I would like this account deleted from my credit report based on violations of FCRA and FDPA. LVNV Funding is a typical debt buyer who violates the law and fails to prove they own the debt as a judge would require in court or validates the debt. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX inquired on XX/XX/2022. 

The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.
Product: Debt collection

This is an ongoing dispute with a Mortgage Service company that is intent on foreclosing despite my good faith and will towards this company. We have remained in contact, our income and jobs have changed for much better, we currently have no problem paying either the mortgage or a significant increase for modification, and this provider continues to deny modification and uses inappropriate and deceitful practices to push forward with trying to take my home. Everytime we submit a resolution or documents they wait till the last moment to then say they did not have important signatures or something was not checked or crossed off. We need help.
Product: Student loan

I may be posting this feedback in the wrong place, but I did n't know where else to go. This complaint is about MOHELA, n ot  XXXX .     A couple of years ago I reached out to Mohela for clarity on how my payments were being applied. I was confidently told the way my payments were being applied was correct and nothing else could be done. I was payi  ng ( a small amount ) over my bill and wanted the additional money applied to my principle. I was told my accrued interest had to be satisfied before I could make additional payments to the principle. Fair enough, however every month the additional money I sent was applied to future payments. The way I understood it, all of the additional money should have gone to my interest, or per my request, my principle. The whole thing was so confusing I did n't pursue it further.
Fast-forward to present, I 've apparently paid off my accrued interest and now -- because of the additional money I pay every month -- I 'm 4 months ahead on my payments. I just called to again ask that any $ over the monthly bill is applied to my principle. Mysteriously the first call was disconnected. The 2nd time I called the man tried to tell me it was ok. All the money was going to my account, it was just being applied in the future AND the principle. Fortunately I 've become a little more persistent over the years so I again explained that I did n't want the additional monthly $ applied to future payments, I want it all applied to my principle the month I send it, and I want a full bill every month, not a smaller bill every month because my overage is being applied to the future.       The man  (  XXXX  ) told  me he had to put me on hold. I was on hold for less than a minute at which point he came back and said I 'd have to send a letter  ( either   through the mail or their site ) stating that I want to " permanently remove paid ahead status ''. He told me if I did n't explicitly say " permanently '', my account would eventually default to applying the additional money to the future.     So all in all I think my issue is resolved but I 'm very frustrated that I did n't get helpful information the first time I called a few years ago. I have t o imagine I ' m literally paying for the bad/lack of information.
Product: Debt collection

Medicredit & XXXX XXXX breached the XXXX XXXX XXXX XXXX 15 U.S. Code 6802. Medicredit just sent me a letter with private information and I have attached it to this complaint for your records. This has invaded my privacy and this is identity theft since I never gave them permission for this transaction to take place.

There is information thats on my credit report that is a result of identity theft. I did not provide written information or instructions for the identified transactions to be report on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. These transactions should be removed according to 15 U.S. Code 1681c-2. You are required to do what I am asking and block these transactions from being report to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.
Product: Money transfer, virtual currency, or money service

I had a Coinbase account that was compromised beyond my control. My account was inaccessible on or about XX/XX/XXXX and allegedly hacked on XX/XX/XXXX XXXX XXXX pst. My devices and accounts show no sign of being tampered with. My phone carrier checked my device and confirmed that the Sim card was never ported to a new device. My email has been protected with XXXXXXXX XXXX  Account XXXX since XX/XX/XXXX according to my activity log and shows no suspicious 3rd party activity. Furthermore My email account was blocking all messages from Coinbase so it would of never received a " hyperlink '' to make any changes with my Coinbase account.

When my Coinbase was recovered it shows that I lost approximately XXXX Shib Inu coin.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information on my credit report. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Mortgage

I refinanced my home that I built with XXXX in XX/XX/2004 and they later sold my loan to XXXX being that XXXX was not allowed to practiced mortgages any longer. I paid any attorney in the past the initial fees, but it was too much. They stated that the loan with XXXX was a Predatory Loan and that I should be able to get out of the mortgage free and clear ; but they want money up front, and I could not pay it up front. 
I did get a modification before and I fell behind again because I had to stop working because of health reasons and I was in and out of the hospital. I reapplied for a modification and they are saying I do n't qualify although the income is the same or maybe even more. Now they are saying XXXX XXXX  is foreclosing on my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  aka Check N Go are reporting to both my XXXX  and XXXX credit reports that this account is charged-off and is closed and past due for more than {$1400.00} dollars in past due payments none of which is true. 

I spoke to the this creditor 's branch office at phone XXXX XXXX XXXX and was advised by XXXX that the account was not charged-off, but 30 days past due. I didn't agree and asked for an itemized statement on XX/XX/2021 which was met with the excuse that she would email her manager to get an itemized statement. I paid the allegded past due payment without proof that the account was past due. 

I contacted XXXX  to have the item disputed. They didn't updated to reflect current accurate information that account was not charged-off. 

I contacted XXXX  XXXX  corporate office referred to the collection department and was advised account was not in collections and was referred back to branch office to resolve this matter. Branch office when contacted said they don't have authority to make corrections to credit report but did agree that account wasn't charged-off or past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

These people place a fraudulent account from ( XXXX XXXX/XXXX XXXX XXXX ) on my credit report that doesn't belong to me after. I've never done business with these people. My ex-husband and his girlfriend pretending to be me stole my information to get this loan. Her name is XXXX from what I was told by his ( XXXX ) sister. XXXX used an account we had to make payment while she talked to them acting like she was me. I sent the Credit Bureau the police report and 605B! 605B of the Fair Credit Reporting Act, which requires the Credit Bureau to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I have provided Equifax/XXXX with the police report and my identity package which they have on file and still they place this fraudulent account on my credit report. I am a victim of identity theft. The information from ( XXXX XXXX  XXXX XXXX XXXX XXXX ) which appears on my credit report. does not relate to any transaction ( s ) that I have made. It is the result of identity theft. [ Identity item ( s ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section 605B of the Fair Credit reporting Act, and send the required notification to all furnishers of this information. I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I called experian credit solutions for the 3rd time that day to ask them again to remove the 8 hard inquires from my credit report after already speaking with them earlier about the same subject of going in to apply for a new home loan and the loan officer informing me about the inquiries being over the top. As I explained to the loan officer like I did experian agent when I went into buy my car last year in XX/XX/XXXX I had already had a pre-approval letter for {$22000.00} and a co signer with me and I had no idea the used car dealer ran credit checks on my report like that otherwise I would have said no but I was nevet asked or nor did I give my consent to access my credit report because I already had my approval letter i had obtained on the XXXX of XX/XX/XXXX from XXXX XXXX  plus my mother as a cosigner. The loan officer said that is a violation and fraud to do that without your explicit consent and I needed to call experian and have them removed because its a violation of the fair credit reporting act to " shop out '' ( thier words ) your credit information like that especially numerous times impacting your credit score and overall ability to obtain proper financial backing to support your family. When i called experian they told me that I needed to obtain a letter of declaration from each place that violated my rights and send it to experian and then after review they would then take the proper actions. I called 3 of the 8 places that were reported to have made a hard inquiry on my credit report on XXXX XXXX. Every one of them first didnt know what a letter of declination was and secondly couldnt write or send me any kind of verification because I am not in any of thier records or have an account with them and have never been in thier syestems by checking with my full name and the last 4 of my social security number they could not find anything with my name or date of birth. So regrettably thier supervisor was informing them that they couldnt send me any letter because they had no records showing that I had ever been involved with thier company. At that point I called back to esperian and was given to the same man who had given me the information to get the letters in the first place and explained to him exactly what these companies had told me and I was sure the rest of them would say the same and was told they ( esperian ) couldnt remove the inquires because it was the credit company who were reporting to esperian to be placed on my file. When I told him they do not have any records of me or my social in thier files or databases to do that he again informed me that he could do nothing I had to speak with the company 's who were making the reports to esperian and there was nothing further he could do it was out of his hands.
Product: Debt collection

I was threaten by my case manager several times in the beginning of my debt being sold to this company. I was threaten over and over again. However, once I set up a payment plan with this collection agency XXXX XXXX  continues to post on my credit report that they are not receiving a payment. Where is my money going? Why am I being threatened?
Product: Debt collection

I was being inundated with phone calls from this company and threatened with a law suit if I did n't pay. The next thing I know someone appeared at my door and said he way a process sever and I was being sued by Credit Consulting. 
I called them immediately and made arrangements to pay them. After I paid them a total of {$1500.00} I was told I needed to make a lump sum payment of {$2000.00}. I advised them I did not have the money to pay all at once but that I could continue with our previous arrangement of {$500.00} every three weeks. I was told that I needed to hurry up and pay the lump sum or I would be taken to court. 
I told them I would call back. After that, I called my previous employer and asked why the medical bills was never paid and they told me I was not supposed to pay the bills because I had coverage but they were never submitted to my insurance for payment. 
I did try to explain to the representative from Credit Consulting in the beginning that I had insurance but was told this was the balanced I owed from what my insurance already paid, so when they threatened me with a law suit I agreed to pay them because I was scared and they had already placed the accounts on my credit. Now I have paid them {$1500.00} of money that I had to borrow and I do n't even owe them and they have damaged my credit.
Product: Debt collection

I have contacted GM financial several times. I was never notified that this vehicle was in debt. I was the co-signer on this truck. Not the original owner. I never was notified by mail or phone that the truck was repossessed and that there was a vest on this. Until I seen it on my credit report. This debt is over XXXX years old. Its almost XXXX years old. It is still showing on my credit report. I would like to have it removed. The truck was sold at auction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in processing disputes on my credit report with transunion alot of data is inaccurate an interested in removing all information In the files asap. please review an delete all items shown to help my file asap.
Product: Credit card

One of my credit cards handled by Capital One expired XX/XX/year>. During the past few months I have had an issue with mail being redirected to another address without my permission. That's a fault of XXXX, not Capital One, but I do expect to be able to communicate with Capital One about my account. 

The problem is that they refuse to tell me when a new card was mailed, if it was delivered, or if it was activated. I am told that my account in particular needs to be discussed with another department whose hours just so happens to be restricted such that I am not able to call them. However, they said that they can not tell me the name of this department, why this department is handling my account, and that all I can do is call back during those specific times. 

Note that this isn't specific to the type of account I have. It's just me. I verified this by handing the phone to someone else who has the same kind of card and had her verify that a new card was sent and they told her both the date it was mailed and the date it was delivered, so they are capable of assisting me, they just choose not to. 

When I raised concerns over if my account might be used without my permission I was simply told that I am not response for fraudulent use of my account. However, if I am not permitted to speak with anyone about my account when I am available what good is that? 

I believe that I have the right to verify basic information about my own accounts and to ensure that a card in my name does not end up in the hands of third parties. As such I do not believe that what they are doing is reasonable. They are capable of providing basic information about my account, but have chosen to restrict that information to a super secret department whose very name is apparently just as secretive. 

Oh, and it's not just an issue of my own hours of availability. My phone is broken so I am only able to call in when my hours and that of my partner matches and we are on completely different sleep and work cycles. It just so happens that our schedules only overlap when this super secret department is closed and since they won't otherwise provide me with the most basic of information about my account this is my only recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, closed my credit card account didnt disclose any information an sold my information to a third party.. I didnt give consent and also I sent a cease ab desist! Per 15 usc 1692 ( c ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 we proceeded to buy a used car through XXXX XXXX. Without problems we unlocked our credit information with XXXX  and XXXX. Equifax, however, did not immediately respond with unlocking our info, and I had to repeatedly navigate through their interminable menu ( providing the same personal authentication information several times ) before our credit information was provided to XXXX XXXX. 

Shortly after this we began communicating with our bank to consider refinancing our home mortgage. Again Equifax proved impossible to deal with. I have through their website changed my account password numerous times and when trying to log in, each time I'm told that the information I provide doesn't correspond with their info -- this, immediately after I've changed the password and clicked on " Log In. '' Likewise I was unable to unlock my credit information by telephone. I tried several provided phone numbers to no avail. Eventually the loan officer at the bank gave me a number, then another different Equifax number, and eventually I was able to unlock. But it took numerous attempts ( I estimate 9-12 times ) before success.I will now provide the most recent letter I received ( dated XX/XX/XXXX ) indicating that the password change has been successful. No, it hasn't been successful as of today ( XX/XX/XXXX ). 

Today I finally got through to a live individual in telephone customer service whom I asked to help while I was actively on Equifax 's webpage. After asking for personal information which Equifax should have had for years ( date of birth , street address, etc -- " In order to fill in some blanks on your account '' ) I was placed on pause -- and after about 4 minutes the call was dropped and I was transferred to an automated survey on how well Equifax does. I have not received a follow-up call from the same individual or from someone in his department to complete the correction process. 

I want to complain about the sheer resistance Equifax has shown toward customers and its failure to improve its customer service. To date I still can not access Equifax or my.equifax.com and must do so only by telephone.