23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After the bankruptcy date of XXXX/XXXX/XXXX, Ditech Financial LLC kept the account opened and continued to try to collect on a discharged account. When they were first contacted about this error and asked to stop, Ditech did not stop collecting on the account. In XXXX of XXXX Ditech was again asked to stop collecting on a discharged account, at that time they stopped communication, but they kept the account open. The account history for XXXX to XXXX should be cleared from from all XXXX credit reporting agencies because the account was discharged back in XXXX. After multiple communications with Ditech, they have not agreed to follow the mandates of the bankruptcy discharge, and to this day they refuse to close the account. They have not provided any reason for their refusal to follow the bankruptcy court discharge. Ditech has been reporting this as a foreclosure. This is illegal! The debt has been discharged through bankruptcy on XXXX/XXXX/XXXX. 
Ditech financial 's customer service representatives admitted that they show all of the bankruptcy paperwork on file, but they have told me that they will continue to collect on the debt because the account is open and active. I talked to the trustee in charge of the foreclosure process on behalf of Ditech. Ditech is attempting to foreclose on the home that we no longer own and of which the debt I 'm no longer responsible for. The trustee sent me an email telling me that they know we surrendered the home through bankruptcy and she told me that I should escalate this to a Ditech supervisor because Ditech may be reporting this debt as a foreclosure instead as a surrender in error. I called Ditech back to speak with a supervisor who told me that she can not do anything about it and that I have to send a letter to their correspondence department with my issue proving that they are making an error. This is after the Ditech people admitted to having the bankruptcy information on file and admitting that they have never followed up with my calls when I have called to have this reviewed on their end. Ditech representatives admitted that the account is still active and that they are actively seeking to collect on the debt.
Product: Debt collection

I had a bankruptcy in XXXX and all outstanding debt was cleared at that time. Since that time I have been 100 % on time with all credit, have an excellent credit score, and I check my credit thru all 3 credit agencies at least 2x per year. I show no history of any late payments or defaults. 

Have received numerous robo calls from XXXX XXXX XXXX ( XXXX XXXX ) regarding threats of legal action regarding an unpaid debt. I returned a call in XX/XX/XXXX and was told that I owed for a credit card I never had. I was also told that liens would be placed on my XXXX XXXX ( one of several registered vehicles currently in my name ) and also on my primary residence and that a law suit was being drawn up against me. 

I am still receiving threatening messages. I returned a call again today XX/XX/XXXX and I told them that I would pay anything that I owed but I needed written proof of the account and balance. They told that me the balance was regarding a GE Capital account ( XX/XX/XXXX thru XX/XX/XXXX ) that I defaulted on and they offered me a {$620.00} " settlement offer '' or a sheriff would be delivering me a notice of suit and summons to appear at my work or home.. It does concern me that they did have the correct last 4 digits of my social security number. I did not provide additional identification from my end. I told them that they would have to provide me with written documentation of the debt or sue me. 

I contacted GE Capital ( through Synchrony Financial at XXXX XXXX today and spoke with XXXX. He searched for accounts by my name, social, and mailing addresses. He confirmed that I have only had one account through them with a department store from XXXX. He stated that the account in XXXX was closed and that no debt was owed. 

The phone number that I received a call from and called and actually spoke with a person on today was XXXX. 

I am requesting that someone please follow up on XXXX XXXX XXXX  ( XXXX XXXX ) XXXX because I believe this to be a scam to illicit over the phone settlement payments from unsuspecting citizens
Product: Student loan

I was awarded forgiveness by XXXX ( attached ) and XXXX has a {$0.00} balance on their website. The Department of Education no longer matches my XXXX account, they still have a balance due of {$17000.00}, and I would like it if the Department of Education matches XXXX at a {$0.00} balance and provides me with an account forgiven letter similar to XXXX. ( attached ).
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved  in the filing of this complaint and this complaint has not been made in error.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
RESIDENT VERIFY - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX  XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - The following inquiry was not authorized and should not be reporting XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX The following inquiry was not authorized and should not be reporting
Product: Credit reporting, credit repair services, or other personal consumer reports

ORIGINAL COMPLAINT : XXXX DID NOT FIX MORTGAGE XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wi XXXX Equifax : XXXX XXXX XXXX, XXXX, GA XXXX RE : REQUEST TO UPDATE CREDIT REPORT, PLEASE RUSH LOAN PENDING To Whom It May Concern : In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ). I am practicing my right to UPDATE information that does not reflect the current status of certain accounts. More specifically pertaining to comments on accounts. I am requesting that you remove ALL comments & disputed comments on each of the accounts below with immediate effect. The accounts have either never been disputed to begin with or are no longer in dispute. I am asking the dispute comment to be removed from the following items : XXXX XXXX XXXX XXXX XXXX Once again this is not a request to investigate, but to update so I expect you to update my file as soon as possible and not the regular 30 day period you are allowed for disputes. Truly, XXXX XXXX
Product: Checking or savings account

In reference to Case ID : XXXX. I in fact am not responsible for the charge below : Date : XX/XX/2023 Amount : {$150.00} Description : XXXX XXXXXXXX XXXX XXXX XXXXXXXX. The merchant did not deliver the goods as promised. When I arrived to complete check-in at the hotel I observed bed bugs, stained mattresses, and poor room standards. The room I purchased with the merchant XXXX was not the same room standards that were actually presented at check-in. I immediately declined staying at the hotel. I was in the hotel room all of XXXX minutes. The front desk clerk informed me that the XXXX XXXX  XXXX would not be able to reimburse me because I purchased the room with XXXX. I was informed by the clerk to obtain my full refund from XXXX. I was out of town for a family wedding and was hugely inconvenienced. There were no other hotels available at the rate I purchased the XXXX XXXX  XXXX. XXXX XXXX  declined any refund stating that I authorized the charges. I was treated extremely poorly by XXXX 's customer care support team. I agree that I did authorize the charge with the condition that I would be provided a clean, healthy and upstanding room. The merchant failed to provide the " goods as described '' and I did not get to utilize the services I invested my monies into. At the last minute I had to come out of pocket a total of {$300.00} in additional monies. I opened a dispute with CitiBank. I sent all requested information to CitiBank. Citibank notified me that CitiBank would side with the merchant because the merchant provided their rebuttal stating I approved the transaction. However, XXXX is responsible for holding the hotels, airlines, and car rentals responsible for providing substantial services to XXXX 's customers. XXXX is not to hold the consumer responsible for the lack of good faith provided by XXXX 's contractors. 
Exhibit A shows the photos of the actual room conditions of the XXXX XXXX XXXXXXXX. Exhibit B shows that I provided the information requested from Citi Bank to which I responded : Neither I, nor anyone authorized by me, made this charge or received any benefit. Hence, as the card holder I have provided all requested information from CitiBank and have fully cooperated in this matter.
Product: Credit reporting or other personal consumer reports

I have disputed these inaccurate items. My information was misused and now I have some false not XXXX XXXX  accurate items on my credit report. Unauthorized use of my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My privacy rights as a consumer are being violated by unwarranted credit reporting that is optional pursuant to the Fair Credit Reporting Act. TransUnion and XXXX is reporting, selling, and communicating false debt without my consent. My credit report is inaccurate and is causing the consumer significant harm. I demanded several times that TransUnion and XXXX send the description of their reinvestigation of a disputed account that they said was a verified account. These charge off XXXX XXXX accounts are not mine. They refuse to send me proof of who verified these alleged accounts, who they spoke with, and the documents used to verify alleged debt. Credit reporting is not mandatory by law, and TRANSUNION & XXXX have my information without my consent and have not received permission from myself the consumer. Both companies are showing transactional history between consumer and alleged creditor in which all transactional history my be excluded from my report.
Product: Checking or savings account

On XX/XX/, I received a letter from BMO 's Enterprise Fraud Management, requesting that I visit the nearest branch with my ID, SSN, and Utility Bill to verify my identity. The letter stated that my deposit account would be closed on XX/XX/, if I failed to comply. 

However, I want to clarify that I have never had any association with a bank named BMO, nor have I opened any account with them. Therefore, I immediately contacted BMO to report the account as fraudulent. Since then, I have had multiple conversations with four different representatives from BMO on XX/XX/XXXX and XX/XX/XXXX. 

While speaking with these representatives, I have been given conflicting information regarding the status of the account. Some have assured me that the account is closed, some have indicated it is in the process of being closed, and others have given varying explanations. They have also advised me to report this incident to the local police department and the Federal Trade Commission ( FTC ). 

In accordance with the guidance provided by the FTC, I have requested that BMO : 1 ) Confirm in writing that the fraudulent account is not mine. 
2 ) Verify that I am not liable for the account.

3 ) Confirm that it has been removed from my credit report. 

Despite these requests, BMO has refused to provide the requested documentation. Depending on whom I speak with, I have been informed that they either do not provide such letters or that they will only do so if there is recent activity on the account. This leaves me in a position where I must trust BMO 's verbal assurances that the necessary actions have been taken, with no tangible protection in case issues arise due to their failure to verify the account properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a loan XX/XX/XXXX and completely forgot about it. Within a week my dad committed suicide and things havent been so good. I tried to call and cancel it but it had already been approved. So now Summit Financial is deducting {$240.00} something like that out of my checking account every week. I am on a very tight budget now. I cant pay any bills or hardly put food on the table now. 
Im at my wits end with these people!! 
XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I tried calling synchrony bank, but no one ever answers, plus they use the gimmick of a recording to repeat that your on hold, when in reality you can be there for hours and never get an actual person to pick up. On XX/XX/XXXX tried it again, no answered. I went on XXXX XXXX to see the reviews and what I found was scary. If Id had known care credit was this bad I would not have even signed for a card from them. They always take theyre payment off late even though I paid 3 days early, then I get a late charge fee of XXXX bucks, then I found out they opted me in for a security fee charge when I never gave them permission or my authorization to opt me into anything and thats another whopping {$39.00}. Then recently XX/XX/XXXX I got locked out of my own account so now I cant even see my balance and again, trying to get someone on the phone is XXXX near impossible. Its funny cause on my credit reports it shows I paid synchrony bank on time and never had a late payment, but care credit, or synchrony bank says Im late even though I payed them early. Plus the interests sur-charges? I mean i already paid a lot of money toward them, and in the end of it all, instead of paying back what I owe which was {$2500.00}, in the end Im paying almost XXXX XXXX dollars or more. They got me locked in so tight and they are screwing me over left and right and Im now left in a hard spot. And the estimate payoff is a whopping 13 or more years. Ill be paying this card till Im 30 something years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX XXXX credit card today XX/XX/20 and I was not approved because apparently there are several accounts in negative standing appearing on my credit report. I was confused because none of my accounts have ever been in bad standing. I looked through my credit report and i saw six accounts that I never opened. The accounts are from these companies. XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX  XXXX  and XXXX/XXXX   XXXX. I do not have any written/verbal contract with any of these companies nor did I ever allow them to run or access my credit. I did not benefit anything form 4these accounts being opened in my name such as money, goods, services or any other benefit nor did I ever make any payment towards these accounts.
Product: Debt collection

XXXX XXXX I do not owe this and I am receiving nasty harassing calls.
Product: Credit reporting, credit repair services, 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. 
All companies listed below have violated my rights. 

XXXX XXXX XXXX - ACCT # : XXXX XXXX XXXX  - ACCOUNT # : XXXX XXXX XXXX XXXX XXXX - ACCT # : XXXX XXXX XXXX XXXX XXXX XXXX ACCT # : XXXX XXXX XXXX XXXX - ACCT # : XXXX XXXX XXXX XXXX Bank - ACCT # : XXXX XXXX / Dept. of Ed - ACCT # : XXXX XXXX XXXX XXXX XXXX - ACCT # : XXXX XXXX XXXX  - ACCT # : XXXX XXXX XXXXXXXX XXXX ACCT # : XXXX XXXX XXXX XXXXXXXX XXXX ACCT # : XXXX XXXX XXXX - ACCT # : XXXX PLEASE SEE RESOLUTION BOX BELOW FOR LIST OF VIOLATED RIGHTS!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I submitted 2 deposits for a total of {$600.00} to Binance US for use on their crypto currency platform. The money was immediately withdraw from my credit union. After several days the money was not deposited to my account on Binance US. I opened a ticket for support and subsequent tickets on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All requests. Have gone unanswered. Trading on platform with previous funds has also been disable without reason causing a loss in value of account.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of identity theft, which has resulted in the unauthorized appearance of accounts on my credit report. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting the immediate blocking and deletion of the following unauthorized account : XXXX XXXX XXXXount Number : XXXX o Date Opened : XX/XX/year> o Balance : {$1400.00}
Product: Mortgage

XX/XX/year> I assumed a home loan through a house purchase. I tried to create an online account because the website and phone tells me to use the online portal. I was told it would be a few weeks, then I was told it would be a couple months. I have been told it they don't know how long it will take and most recently I have been told it will not happen ever and they are not IT so I need to write a letter. I understand things take time but this is getting ridiculous and I'm just tired of being lied to repeatedly and honestly being treated like garbage for just asking the question of why this is taking so long. Freedom mortgage has not been honest from the beginning and I wish they would just sell my loan.
Product: Credit reporting or other personal consumer reports

I am writing to formally attest that I am a victim of XXXX XXXX XXXX, Im requesting for Blocking of Adverse Information as defined under section 605C of the Fair Credit Reporting Act ( FCRA ). I kindly request your assistance in complying with the legal obligations outlined in the FCRA to ensure the protection of my rights as a XXXX XXXX XXXX 

Attachments have been updated and are now available to be downloaded!
Product: Checking or savings account

City Bank : I have deposited $XXXX on XX/XX/2019 which Citi gave me $XXXX out of $XXXX  on XX/XX/2019 and since then I have been waiting for the rest of the the amount $XXXX I have called and called I have been told all kinds false information I know resolution takes to complete with 45 business days with 10 days provisional credit supposed to be given but no one is willing to get to the bottom of this issue I am also gonna attached the document from the the research team also the case or inquiry #is XXXX   thank you hope to hear from you soon thank you.
Product: Checking or savings account

A victim of identity theft. Tried to handle it through the bank they said they have no history with me having an account or anything even given my ssn and still no trace of me next you thing I go into the bank and they said my account is closed
Product: Debt collection

Has repeatedly attempted call my private number and at work, despite multiple requests, and at XXXX ; I asked for a written notice with the amount, and have yet to receive anything. I asked them not to call me at work, and this has happened twice.
Product: Credit reporting or other personal consumer reports

I did not authorize OR grant my permissible written or verbal consent to Global Lending Services to pull my consumer report and neither did you provide me a consumer financial product or service pursuant to Title 12, United States Code, section 5841 ( 15 ). I demand your company immediately remove the hard inquiries from my credit report. I never intended to do business with your company and never authorized the use of my SS # or any other personal info to be used by Global Lending Services or any of its partners.
Product: Mortgage

I need my    XX/XX/XXXX    statement to include with my application for  XXXX   XXXX .     I do not receive monthly statements from  Franklin Credit Management   XXXX   XXXX   XXXX ,   XXXX   XXXX      XXXX   XXXX , NJ  XXXX  I was advised statements were discontinued because I authorized automatic monthly debits for my payments.   I called the  Franklin Credit  on   XX/XX/XXXX  , to request a statement  for  XX/XX/XXXX . I was advised I could not get a statement because I 'm on automatic debit. On advice, I called again and was t hen advised Statements would be reinstated and  one  would be mailed o n  XXXX -17  for   XXXX    2017. N ot having receive d one by tod ay,  XX/XX/XXXX , I called the company and was advised a statement would not be mailed unti l  XX/XX/XXXX . I  told the representative what I had been told on  XX/XX/XXXX . He said the previous representative 's notes only mentioned he advised statements would start soon. I want/need this   XX/XX/XXXX  sta tement due to time constraints of my application for  XXXX   XXXX . The inconsistencies of information and delay in receipt of the statement  may  be negatively impacting my consideration by  XXXX   XXXX  for the program. I want a prompt response to my request to  Franklin Credit.
Product: Vehicle loan or lease

XXXX of XXXX I went to XXXX XXXX to purchase a vehicle and I traded in my truck. The car went south 4 days later and XXXX XXXX told me to bring it back they will give me a loaner and check it out. Come to find out the car had been wrecked and XXXX XXXX refused to fix it and lied about what was wrong etc ... .well this transpired over an 8 month period that I was in their loaner. The finance company ( Exeter Finance ) refused to finalize my loan because I did not have the car. Fast forward to XXXX of XXXX and the dealer called me and said they fixed the car come in so I did but the car was not there they told me i had to sign a new contract this was XX/XX/XXXX and tell the finance company that I had the car because that was the only way to keep the loaner and get the car fixed because they had already sold my truck ( they told me this 4 days after the initial contract in XXXX ) A couple days later I felt bad and called the finance company and told them I really never had the car that the dealer made me lie to they would get the money from the finance company and use that to fix the car. They told me to send in a statement saying that exact thing and they would open a fraud investigation but they never did I sent the email to XXXX in XXXX I believe of XXXX, Never heard anything back. Everytime they called me and wanted me to pay I told them I never had the car and I asked for a copy of the contract and never received it. We did this for about a year. Fast forward to XXXX of XXXX this one lady in particular called me wanting payment I explained the situation to her she read through the notes and then said oh yes I see there is an invoice from Sooner XXXX here charging us for Storage of the car saying they had the car since like XX/XX/XXXX and wanting Exeter XXXX to pay storage from that time. I also will say that Exeter Repoed the car from the dealership. XX/XX/XXXX is way before when I supposed to sign this XXXX contract with them that I never saw. So i said there you have proof now that i didnt have the car and the refuse to rescind the contract they have messed up my credit by over XXXX points for almost two years now. I do have a lawyer concerning the car lot but I just want this off my credit report becuase I have never received the vehicle. I do have exact dates and names but my lawyer has that information he has everything that I have but this company still refuses to take this off my credit I have disputed it with these exact facts with every credit company and everyone refuses to take action. As I said it has wrecked my credit and my entire life now for two years! Please I need help with this situation this is unfair and illegal. I still have no vehicle because I have had a repo on my credit now for a car I never had. I told them where the car was to pick it up. They finally did after calling me several times wanting to repo it i told them the same information every time. I also asked to speak with supervisors up there and have been denied that as well. I do have a log of everytime I spoke with them and like I said my lawyer has that info.