23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Ditech Mortgage has committed fraud by changing information on my account. After asking repeatedly to get an account detail list of my payments, the company that just purchased them send me a list. I discovered in XXXX Ditech claimed I refinanced a loan. There are no documents shown to prove this. Furthermore I would never attempt another loan with the company or refinance. In fact I've been paying down on my principal. 

Another situation is their reporting of late payments in XXXX and XXXX which is affecting my credit. I have tried to explain this many times and may have to resort to legal aid. There were a few times when I communicated with Ditech by phone. An employee of Ditech, XXXX approved of having my payments deferred. Three months later I was contacted by Ditech telling me this was not approved even though XXXX told me it was. I made up the payments slowly but there should not be a bad credit report because I acted in good faith and believed this was settled. 

Ditech Mortgage is in bankruptcy and another company has taken over but they can not answer for the past errors. Please help. I have a mobile home about to fall apart. I'm trying to buy a new home and will pay off my mortgage with the sale of my land. Everytime I look my credit keeps changing. It went up to XXXX now it's below XXXX and I've not made a late payment to anyone since early XXXX. I desperately need help!! 

Thank you, XXXX XXXX
Product: Vehicle loan or lease

My lease on my XXXX XXXX XXXX expired on XX/XX/XXXX. A week before this, I was talking with a representative of Prime XXXX XXXX that was sending me car options to buy since I would be trading in my vehicle. I informed the representative that I didnt see any cars on their lot I was interested in and would be continuing my search at another dealership. During the conversation, we talked about my car mileage and how it was over XXXX below my lease agreement. The representative then informed I could use the equity my leased vehicle had accumulated and I would be able to put towards a new car for me. We scheduled an appointment for XX/XX/XXXX, to talk through this option and view some cars available for purchase. When arriving to the dealership, I test drove XXXX different cars, and wanted to continue a conversation on a XXXX. At this point, my husband and I were told we would not be receiving any equity from the leased vehicle because there was an open manufacturer recall without a remedy. We were told by the representative that if they gave us any money for the XXXX, they would suffer a loss because of the recall. This was the first we were hearing about any open recalls on the leased vehicle. This seemed to me as a bait and switch tactic which was very deceptive to get me into the dealership. The dealership would have known about the recall before I went in and should have never offered any equity if it was not an option for me. In addition to this, a recall on the leased vehicle with no fix should not have anything to do with equity from not driving the car. Again, very deceptive and would be the the responsibility of the manufacturers XXXX XXXX XXXX. I have tried to rectify this situation with Toyota Financial Services, who agreed with me, and they encouraged XXXX to work with me. XXXX never did. A complaint was filed against XXXX with Toyota Financial Services, but I still believe my rights as a consumer have been violated.
Product: Credit reporting or other personal consumer reports

I requested a hard copy of my credit report and received instead XXXX CDs with no content on them. I was notified by a third party that my TransUnion credit score had plunged XXXX points to XXXX XXXX XXXX. This is a little hard to justify as I have no debts or delinquencies ; and there is no derogatory information. I have XXXX secured credit card with XXXX called XXXX and XXXX credit card with XXXX XXXX, both of which are up to date.TransUnion has nonetheless rated me a XXXX XXXX based on non-existant data. TransUnion does this deliberately because they want to stay in the good graces of their primary clients, the big banks, who want the credit pool to be as limited as possible. This is called conspiracy. TransUnion has made up out of whole cloth what amounts to defamation of me. Permit me to back up for a second and descibethe corrupt methods TransUnion shares with XXXX and XXXX. A business, a TransUnion client, reports as fact one side of a dispute. Say XXXX XXXX XXXX claims they were not paid. The consumer, who is at a disadvantage, because he is not a client of TransUnion, says XXXX XXXX XXXX couldnt hook up his TV. To add another layer, XXXX XXXX XXXX places the bogus debt with a collection agency who knows nothing about the dispute. When the consumer complains, TransUnion verifies the debt with the collection agency which is ignorant of the facts. This is fraud. Once the facts come to light through the diligent efforts of the consumer ( me ) or XXXX years pass, the false information is deleted. The next phase of this sorry fandango is denial of credit because there is no credit history, for which TransUnion is responsible. Consumers who successfully climb out of that conundrum are still defamed by TransUnion and its unholy brethren because their credit usage is too recent. Back to Square One. TransUnion is a knowingly corrupt enterprise. Their one goal is to please the banks by eliminating as many creditors as possible. Again, my current TransUnion credit score, a meaningless number concocted out of willful malice, is XXXX and not high enough to rent an apartment. If TransUnion does not raise my credit score to XXXX by XX/XX/XXXX, I intend to file a lawsuit through XXXX registered agent, XXXX XXXX XXXX of XXXXXXXX XXXX charging : invasion of privacy, fraud, conspiracy, conspiracy to defraud, defamation and intentional infliction of emotional distress. It is about time somebody stood up to these corrupt entities that ruin peoples lives. You have 15 days or legal action will follow.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete these unknown accounts This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute. I am requesting the original contract con to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So, I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or handwritten verification directly from a person at that. Please delete/remove the following unverified account : XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

TO : Whom It may Concern This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 4 ) There is a need to insure that CONSUMERreporting agencies excercise their grave responsibilities with fairness, impartiality, and a respect for the CONSUMERS right to privacy. 

I demand the deletion of all personally identfiable information from my CONSUMER report with the exception of : MY FULL LEGAL NAME : XXXX XXXX MY ADDRESS : XXXX XXXX XXXX XXXX, La. XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses. 
Please delete these outdated addresses and update the address with the one above!!! 

My only phone number is XXXX Delete any and all other phone numbers. 

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 

Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( A ) ( 4 ), I am a federally protected CONSUMER and have a right to privacy.

Not granting me my rights is in direct violation of 15 USC 1681 and all subsections. 

Please send an updated credit report once the changes are complete to my contact information listed. My contact information is as follows : NAME : XXXX XXXX XXXX : XXXX ADDRESS : XXXX XXXX XXXX XXXX, La XXXX XXXX Sincerely : XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the repeated attempts to expedite the removal of fraudulent items from my credit report. Despite multiple requests and assurances of prompt action, these fraudulent entries persist, causing significant distress and financial harm. 

As a victim of XXXX XXXX, I have diligently followed the procedures outlined by your agency to dispute and remove inaccurate information from my credit report. However, despite providing extensive documentation and evidence of the fraudulent nature of these items, they continue to negatively impact my creditworthiness and financial well-being. 

The delays in resolving these issues are unacceptable and have further exacerbated the stress and inconvenience caused by the fraudulent activity. I have made numerous attempts to communicate with your agency and have been met with assurances of swift resolution, yet the problem persists. 

I urge you to prioritize the immediate removal of these fraudulent items from my credit report and to take all necessary steps to prevent their recurrence in the future. Additionally, I request transparency regarding the reasons for the delays and a clear timeline for resolution. 

Furthermore, I expect compensation for the damages incurred as a result of the prolonged delay in addressing this matter. The financial and emotional toll of dealing with XXXX XXXX and its aftermath can not be understated, and I demand fair restitution for these hardships. 

I trust that you will treat this matter with the urgency and seriousness it deserves and take immediate action to rectify the situation. Failure to do so will leave me with no choice but to pursue legal action to protect my rights and interests. With this, I am asking for your assisstance to remove these fraud items in my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/XXXX Phoenix financial put this on my credit report when they know they got the money through my employer at the time in XXXX they collected their debt throughout weeks of taking money from my check. This should not be in my credit report or anywhere since it was already paid off. They trying to get double their money. Thats not fair specially when theres a pandemic of Covid-19 and currently Im unemployed and trying to get XXXX. Ive had XXXX insurance for years. Thanks in advance
Product: Credit reporting or other personal consumer reports

I want all old addresses & multiple names gone from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries repeatedly reporting on my credit report from Comenity Bank XX/XX/XXXX on my XX/XX/XXXX Credit file and I never authorized or applied for credit with that company.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XXXX Bankruptcy - XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX 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 XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/21 a person who stated they were a XXXX bank personnel and was notifying me that there were unauthorized transactions occurring. 
When I checked there were none but the personnel insisted they have security protections that detect when its happening to customers. They clearly had every bit of my personal information from first and last name, phone number and email that is linked to the account they then had me confirm several security updates by pressing commands on my phone as they text me. 
They even called me from an actual XXXX bank tel number. 
When I called to report it they rejected my claim as it was done through a XXXX XXXX and assumed I had transferred my life savings to my checking to and withdraw/pay some stranger in Texas, US that I have no knowledge of who that person is.
Product: Credit reporting or other personal consumer reports

i am a XXXXXXXX XXXX XXXX  and i was a victim of XXXX XXXX, someone here in the united states took advantage of me and used me for work labor and they told me that this was the process of becoming an XXXX XXXX, i was lied to for many years and i was used, sadly this whole ordeal took an impact on my credit which is XXXX please look at the uploaded documents and support my cliam in this matter. thank you. 
XXXX XXXX.
Product: Debt collection

I had two memberships with The XXXX XXXX in XXXX ct. I went to the gym to cancel the memberships. They said I needed to contact ABC Financial. I called many timeS and was out on hold. I never was able to speak to someone. I then sent an email on XXXX. I canceled a gym membership with ABC Financial for XXXX XXXX. They gave me such a hard time ( I have email proof ) that I told them not to charge my card anymore. They continue to send me texts requesting payment. I contacted them again XXXX and they are again giving me a hard time and trying to continue to charge me. I sent a screen shot of my email from XXXX to not charge me and cancel the membership. They then stated they will not cancel until payment is made but I do not owe them any money. I canceled back in XXXX and requested never to be charged again. They havent charged me but they are continuing to bill me and are harassing me for payment. I have not attending the gym since COVID back in XX/XX/2012.
Product: Checking or savings account

On XX/XX/2022, my husband 's wallet was stolen in the subway system in XXXX, XXXX. He lost his JP Morgan Chase debit card along with driver 's license, credit cards, etc. We notified Chase about the theft as soon as possible the same day. ( We were in a XXXX XXXX  with limited cell phone functionality, so we weren't able to report the theft as quickly as in the XXXX ) The thief or his accomplice used the debit card to make XXXX purchases totaling {$1000.00}. All transactions took place on Friday XX/XX/XXXX and were processed on Tuesday, XX/XX/XXXX. 
At first, Chase reversed the charges, then changed course, said we were responsible for them after all, and removed the funds from our checking account. We had XXXX fruitless phone calls to the service line to try to understand the bank 's reasoning. The only information we were able to get was a schedule of the charges ( with dates, no time stamp ) and a statement that they were deemed valid because we approved or authorized them. We know the theft took place between XXXX XXXX  and XXXX XXXX  because we were on the subway during that time, on our way to a lunch date at XXXX. Chase must have a time stamp for the disputed charges that would show they took place after XXXX or so.
Product: Credit card

1. I received a written letter in the mail on XX/XX/23 confirming that I opened a paypal credit account. I noticed the email address in this letter was NOT mine and know that I DID NOT apply for this account. 

2. The account was opened on XX/XX/XXXX  and the same day a charge was made against the account for {$3200.00}. I did not authorize these charges. 

3. On XX/XX/XXXX  I called Synchrony Bank ( the issuing bank for PayPal Credit ) to report that this fraudulent account was opened. The agent I spoke to ( XXXX with ID # XXXX ) stated that she closed the account, updated the credit bureau 's and that I should also call the credit bureau 's myself. She also stated that I should receive confirmation about the dispute within 60 days of XX/XX/. 

4. I called XXXX, XXXX, and XXXX on XX/XX/XXXX  to place a 1 year fraud alert on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602A. states i have the right to privacy.

15 U.S.C 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint. 

Items that need to be disputed : Credit Score XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX still reports delays in payments on cars that I have paid in full, this is due to the fact that during the COVID 19 pandemic, I had a delay with the payment of the bills of my 2 vehicles, however this delay was generated by adjusting to the refinancing policies and payment options that they offered due to the world problem, I adapted to their consideration measures for those of us who were without commercial and productive activity, by phone call we agreed that the payment of the delayed bills would be made at the end of the credit commitment, and indeed we agreed on that, now time later it continues to stain my reports and I appear in 3 credit bureaus with delayed payments, affecting my growth, my reputation, my capacity and credit reports, I have spoken with them on several occasions, telling them that these delays occurred in accordance with the payment policies previously agreed with them, but no, they still have not removed me from the re postage nor do they seem to comply with what was negotiated at the time. Even though the 2 vehicles I bought from them are paid, I have already paid off the total debt, but the stain that occurred during the pandemic and that I had agreed with them as a financial institution continues to appear.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( XXXX XXXX XXXX ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( XXXX ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( XXXX ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations