23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Below is the letter that was sent to Equifax today along with a copy of the CFBP dispute case this is in reference to : " Equifax : I ordered my credit report from your bureau and found an inaccuracy I wish to bring to your attention. I previously disputed this directly through Equifax and did not get the result I was hoping for. I had to involve the Consumer Financial Protection Bureau to resolve this issue. The CFPB intervened on my behalf and the company that reported incorrect information gave me the attached response through the CFPB website. I opened another official complaint on the CFBP website to address this but am also sending this letter with tracking information to ensure delivery date and time. 
XXXX which is on my credit report as " XXXX XXXX XXXX '' incorrectly reported an account as charged off and late. After getting the CFPB involved XXXX agreed in XXXX to " reverse the charge off status of the account, and reverse any negative credit marks assessed after XXXX 2013. '' It is now XXXX XXXX and the negative remarks remain and the charge off status remains. 
I request that you honor this company 's request to reverse the charge off status and remove the negative marks as they are incorrect. I have this in writing from XXXX which was provided to me through the CFPB website. '' The CFPB case number in which XXXX agreed to reverse the negative remarks and correct their mistake is : XXXX The CFPB has my authorization to share all the details of this case with Equifax to expedite fixing this error. I am also attaching the printed off response from XXXX that was given through the CFPB portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX and XXXX are reporting negative information on my credit reports without my consent Section 604 15 U.S. code 1681 B states that the credit bureaus dont have a right to report any information without my written consent all 3 credit bureaus have wrong names and phone numbers on my reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Regarding XXXX Company claims it has responded, but I have received no response
Product: Debt collection

I never received a debt statement from this Hunter Warfield. I have asked them several times for them to mail or email me the information but they refused. I was told that I was being charged daily interest on a debt that is not interest bearing and was never told what the interest rate was. This debt was final bill from apartment after I moved out. I gave a forwarding address but according to Hunter Warfield they sent information to a totally different address in a different state. They were charging interest the entire time. I feel this is in violation of the fair debt collection practices act. Again I called today on XX/XX/year> to get letter sent to me because I did pay the debt so the interest will not continue. I was again denied a letter and told to go on the website. Advised them that I have tried to go on the website several times but it will not give me access. Finally I was told they are having problems with their website to try again in 24-48 hrs. I have been getting the run around.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY myequifax account was locked so I called the company to have it unlocked but it showed my sister account information instead of mine, so I tried to create a account with my information and wasn't able to because it said that there was already one made. Also tried putting in multiple disputes to have the information the information on myequifax changed but when I put in the in the reference number in they are not able to find the dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged XXXX or XXXX. 
XXXX, XXXX, A ; XXXX A XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3500.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance XXXX {$220.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I received a credit monitoring alert that an account had been placed on my consumer reports from a company I have never heard of or did business with. The company has no address reported on my report, no date when I supposedly opened this account, there is no creditor listed except the collection agency as well as no phone number listed for the company. This is hurting my consumer credit score and I have the right for them to prove this debt is mine before placing it on my consumer report. I want this removed immediately.
Product: Money transfer, virtual currency, or money service

Id like to be refunded for the transaction reported.
Product: Vehicle loan or lease

I purchased the first vehicle from CARVANA LLC on or about XX/XX/2019 they sent me a 2015 XXXX Terrain when it arrived the gas tank would not fill up all the way. The battery would continuously die on startup. I had them replace it with their 7 day return policy. They then sent me a 2015 XXXX XXXX when I took it in for an oil change a severe oil leak was found. XXXX of XXXX NY found a bad O ring around the oil pan drain plug. Numerous dirty filters as well. I paid over {$200.00} which carvana claimed they would cover {$150.00} of. Now the car has become a serious safety risk after just having the used vehicle for just over 69 days. 
The vehicle refuses to accelerate upon entering the highway causing severe safety problems. 
The traction control light remains on affecting the breaking system The break lights remain on after turning the vehicle off. 

During purchase of the vehicle I was NOT offered an extended warranty after contacting Carvana LLC numerous times about these safety issue they had stated since I was outside of their XXXX  ( 100 day or 4189 mile ) warranty I was on my own. The supervisor XXXX did not and would not assist me. 

I would beg and plead for anyone reading this report to NOT purchase a vehicle from CARVANA LLC as their QC process is an absolute disgrace. Now I have to take the vehicle back to the mechanic and I was told it is most likely not covered under a power train warranty. This company has basically sold me 2 lemons and refused to assist me with this latest issue. I would advise anyone looking to purchase a used vehicle to go elsewhere as CARVANA LLC does NOT stand by it's customers even after just under 60 days!
Product: Mortgage

Our residential property at XXXX XXXX XXXX, XXXX, OH XXXX was purchased on XX/XX/XXXX. The mortgage loan was refinanced with XXXX XXXX  on XX/XX/XXXX and concurrently a Home Equity Line of Credit ( HELOC ) for {$15000.00} was established. Subsequently XXXX sold the mortgage loan to XXXX XXXX XXXX XXXX XXXX ( XXXX  ) and the HELOC to Rushmore Loan Management Services ( RLM ). 
The mortgage loan was fully paid off on XX/XX/XXXX and the lien was released by XXXX in XX/XX/XXXX without any complications. 
The HELOC with account number XXXX continued with RLM even though funds have never been borrowed through that facility. 
In XX/XX/XXXX, RLM arbitrarily informed me that the borrowing facility would no longer be available. Their decision to freeze the HELOC was based on some unknown reduction in my credit score. My credit reputation has been and continues to be unblemished and their action was unjustified. Not only did they deprive me of this financing facility but they have continued to deny me the opportunity to obtain similar financing from other institutions. 
In repeated correspondence with RLM they are insisting that I should pay a {$40.00} fee for releasing the lien. This fee is not stipulated in my original agreement with XXXX nor was it assessed when the mortgage loan was paid off to XXXX.
Product: Credit card or prepaid card

sent chase some messages about account related issues. refuses to correct and has been in the process of prematurely closing cases out.
Product: Mortgage

We ( I & my wife ) are both retired, and a month and half ago my wife contacted our mortgage bank ( Wells Fargo ) to see if they forgive our remaining mortgage ( very little left ) since we have always paid on time and also finished most of the interest for the loan. The bank did not have any programs, but they mentioned " loan modification '' plan which we did not apply for it. They sent the application through the mail, anyway. A few weeks later, we received another package that indicated the bank had opened an escrow without our knowledge, had paid the XXXX County Tax ( for the property ) that we had already paid ourselves a few days earlier, and appraised the property. We contacted the W.F and expressed our shock and dismay with the steps they had taken on their own without our consent. They designated a case specialist and after going back and forth she informed us that the case is dropped and the bank would withdraw the escrow documents. Today ( XX/XX/21 ), I found out that we were overcharged in our bi-weekly mortgage payment by WF. I contacted the officials of the bank and to my surprise I discovered they had not withdrawn their escrow papers ; instead, they had charged us for their fees.
Product: Debt collection

Since XXXX I received threats phone calls from Westlake Financial services located XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX-XXXX saying that I was going to be sued. For a car Loan that was under XXXX XXXX x. 

When at the time I was going through a separation/Divorse. I ended up XXXX  with XXXX children at the time.I paid the Collection Company? Over the phone.The phone number that Westlake Financial Services had provided me for a third party Collection company, that represented them.I was told to call and make the payment.I was told by Westlake Financial services to make a one time XXXX XXXX payment and that the account would show Paid in full.And that I would receive a letter saying that the account was paid.With a XXXX Balnce NOt a charge OFF in my credit report. Westlake Financial Services Lied. They send me a letter from another company that says that they paid the charge off.After they took my money.WLF services stole my money {$2700.00} sold the truck and lied because I never received the " proper letter " that was agreed over the Verbal agreement over the phone.With there so called third party collection company? That every time since XXXX I been trying to get there information to sue them.West lake financials services never provids me with the knew contact info? .Keeps on saying that they will call me back and it never happens.Every time I complaint to Westlake Finacial Services I'm told by the Knew Supervisor 's that the information is going to be Fix and that a new letter is going to be send to me.And the wrong information is going to be Corrected. Westlake Financial Services keeps reviving the account in my personal credit report everytime that I complaint about this account with the updated dates of knew account.This is a very old XXXX? account that is not mine it was my ex 's XXXX XXXX. WHY don't they look for him instead of harrising me after the fact that I already stoled my money.
Product: Debt collection

I discovered the collection when I checked my credit report after being notified that a collection was added to my consumer report. I notified XXXX that this was identity theft. 
I was never notified by Radius Global of this account before this collection was added.
Product: Checking or savings account

- XX/XX/12 XXXX -- I marked as unathorized, company did not respond - XX/XX/12 XXXX -- I marked as unathorized, company did not respond
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

I tried to log into my MoneyGram account to send my mother {$100.00} on XX/XX/2021. When trying to log into my account I was told that my account was unavailable. I contacted customer service by chat. The representative researched my account. She told me that MoneyGram had closed my account due to prior loss of money. I had an issue several months ago where I sent a wire transfer to an individual. I never received the product, nor did I receive my money back. I did report this issue to MoneyGram at that time, and did not hear anything back. Why am I being penalized by having my account closed when I did nothing wrong? I reported the issue that occurred several months ago when it happened but didn't hear anything back. Also, MoneyGram never notified me that they closed my account. I find the closure of my account to be on unethical. Why should my account be closed for an issue that was not my fault? I was the one that was scammed several months ago. This issue with my account being closed and me never being notified forced me to search to find other options to send my mother {$100.00} that she needed emergently.
Product: Debt collection

I ended my XXXX XXXX service. They continued to bill me for two months after. I called customer service after receiving a collection letter. I thought it was resolve buy now a whole other agency is harassing me. I also still have their equipment here ( TWO years later ) because they never sent me the XXXX return label they said they would send. I owe them nothing and have disputed this through the credit agencies twice now to no avail.
Product: Credit reporting or other personal consumer reports

I am writing to formally report that I am a victim of a data breach, and the following accounts and inquiries have been fraudulently added to my credit file without my authorization. I am requesting that these items be blocked and deleted from my credit report as required under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$00.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$740.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$62.00} XXXX XXXX - XXXX XXXX XXXX XXXX  {$360.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$3300.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX {$640.00} XXXX - XXXX - XX/XX/XXXX - {$5800.00} XXXX - XXXX - XX/XX/XXXX - {$6200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$00.00XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX XXXX  {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$680.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00} Fraudulent 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 XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these account entries with the credit bureaus and The XXXX XXXX alike. Per my credit report, these entries were opened with The XXXX XXXX in XX/XX/XXXX. They began reporting these entries on my credit report in XX/XX/XXXX ; however, I never received any communication from this company that they were attempting to collect this alleged debt. I have never heard of this company nor have I ever did any business with them whereby a contract was signed. By not receiving a dunning letter, this is a direct violation of my rights. How am I to dispute the validity of an account if I am never notified. Had I not retrieved a copy of my credit report recently and noticed these inaccurate, unverifiable account entries, I would not have known they existed. Upon retrieving my report, I sent a certified letter with return receipt to The XXXX XXXX requesting that they validate this debt. I received correspondence from the XXXX XXXX dated XX/XX/XXXX and XX/XX/XXXX whereby they attempted to respond to my dispute. 

Preferred Collection and Management provided copies of documents that are in violation of HIPAA as well as only reflecting a balance of XXXX which is contradictory to what they are reflecting on my credit reports. The balance for the 2 account entries are {$210.00} each ( Total {$420.00} ). How then are they saying they are verifying the account entries. THIS IS A LIE AND DECEITFUL!! Further, if XXXX XXXX XXXX XXXX XXXX has access to private information regarding the nature of the visit and exams and the facility ; where is the financial responsibility page that they should have whereby I granted permission/consent for XXXX XXXX XXXX XXXX to disclose this information? I requested a copy of all paperwork that was sent to me regarding this alleged account as well as a copy of any documents that bore my original signature. To date, to no avail. How then is this company reporting that these account entries are valid? 

I am aware that HIPAA allows for certain information to be shared with 3rd party collection agencies for the purpose of collecting a debt but NEVER does it allow them to disclose confidential information without written consent. Preferred Collection does not have this information and were negligent in their reporting this entry as well as in the information they sent. 

This company continues to blatantly violate my rights. I am requesting that this erroneous, inaccurate, unverifiable entry be DELETED from my credit reports IMMEDIATELY!
Product: Credit reporting or other personal consumer reports

To whom this may Concern, I am a Victim of XXXX  where my information was Stolen And use these are not my account I need Help My Mind is all over the place can you Please help me This is Fraud all my Rights was taken from me.
Product: Payday loan, title loan, or personal loan

Please note, this is a resubmission as the company failed to address the primary point of my complaint in its initial response. There is nothing in my loan agreement that would indicate my first XXXX scheduled semi-monthly payments would be applied to interest only. The initial payment schedule I received when the loan was funded reflected payment allocation to both principal and interest beginning with the first payment. There is absolutely no accounting method that would show that I would need to pay over {$10000.00} in interest before my payments were allocated to principal as well as interest. This time, I would like to ask that both the company and the CFPB read the complaint and the provided documentation before a response is provided and my complaint is closed. 

On XX/XX/XXXX my loan with Net Credit was funded in the amount of {$5600.00}. My loan was initially issued on a bi-weekly repayment schedule. After my loan was issued, I advised that I was paid semi-monthly and asked if my loan could be re-amortized to a semi-monthly repayment schedule. Net Credit agreed and I have been paying my loan based on the semi-monthly schedule since that time. No where in my loan agreement or in any communication with Net Credit was I made aware that my loan payments would not start paying on the principle balance until XX/XX/XXXX. That is over two full years of payments at {$220.00} twice a month that goes to nothing but interest. I recently went into my online account to look at my balance as I wanted to see if I could pay the loan off. To my surprise, as of today, XX/XX/XXXX, my loan balance {$5400.00} meaning of the over {$7000.00} I have paid so far only {$190.00} has been applied to principal. I also will be submitting an attachment to show that my initial amortization schedule based on the bi-weekly repayment terms fully amortized the loan with principal and interest from each payment however when they re-amortized my loan to the semi-monthly schedule the payment allocation changed to what I described earlier. This, in my view, is not only unfair in that I need to wait until XXXX of XXXX before I start paying principle from my scheduled payments but also deceptive in that this amortization schedule change was not explained to me and was not part of my original loan terms that I agreed to. You could make a case for abusive as well considering I am essentially stuck in this loan until Net Credit has received all of the interest due to be collected over the full term of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute in regards to the items in my credit report. It has been well over thirty ( 30 ) days and I haven't received any investigation results.
Product: Debt collection

XXXX put something in my credit report for something I didnt get
Product: Mortgage

in XXXX of this year, XXXX our loan was once again sold. we were previously accepted by XXXX XXXX for a modification in XX/XX/XXXXXXXX with no notification were sold to Shell Point Mortgage. we have been working with the XXXX XXXX XXXX of XXXX XXXX with a contact of XXXX XXXX. she has multiple times along with myself reached out to shell point for assistance in litigation department. months after the purchase we were given a point of contact finally. all paperwork was sent over and over again and sent to underwriting. the income was not correct, they had an old employer never included the profit and loss income and when questioned only apologized and asked to restart all over again. we complied. resent all current paper work. each time we send in new paperwork, something else is now needed. for the last 4 weeks myself and XXXX reached out to shell point to find out where the modification stood. no response. when finally onXX/XX/XXXX shell point finally reached out, they said because three weeks had past we again needed to update. they said that they were affected by the floods in texas and were unable to contact us. on XX/XX/XXXX i resent updated documents, once again no contact back. when we finally spoke with someone after leaving 3 messages, on XX/XX/XXXX XXXX days after last contact, not only were the updated income needed 2 forms now were also in need of resending that were on XXXX on recorded line told to us were in tact and accepted.not once in any of this time were we told about a sale date or sent documentation of this. today on XX/XX/XXXX there was an auction. we are to be homeless, we have tried to work with this company along with the attor. general office to modify this loan. given the hardship we faced with no intent of them ever working back with us. all we want to do, is modify the current loan and keep our children safe. please let us know how we can do this.