23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Every time this Publisher - XXXX XXXX sends me my royalty deposit they are not mentioned correctly in the legal ledger of the bank. The say content distribution. I am the only one to get royalties. There is no other distibution. What is going on is one employee changing the deposit information. The bank should clearly know who is sending it a deposit for a customer not a vague discription. The company should be the only one sending me money for my book with XXXX XXXX titled - The XXXX XXXX XXXX XXXX. It could be making thousands and a bank teller could be giving me a dollar and say it is content distribution and not the direct name and discription. I need the right description for my account deposits. 

Mailing Address XXXX XXXX XXXX XXXX, IN XXXX Toll-Free Phone Number XXXX Fax Number XXXX News Media Contact XXXX XXXX PR Department XXXXXXXXXXXX From Bank of America below my consistant editing of my account to tell them and XXXX I need things specifically idetified when receiving deposits. Is it that easy to hide content, by just describing the content of a deposit as content. This is something that needs to be made specific other wise any one could hide money by not describing who it came from or the amount. I need my account ledger correctly noted. Now I can see how banks likes XXXX can be dishonest. 

XXXX/XXXX/XXXX Hideadditional information for activity type deposit XXXX XXXX  XXXX : PAYABLES XXXX INDN : XXXX XXXX CO ID : XXXX PPD Edit Description activity type deposit status type icon cleared Cleared. Select to mark activity type deposit XXXX XXXX XXXX XXXX : PAYABLES XXXX INDN : XXXX XXXX CO ID : XXXX PPD as Reconciled XXXX XXXX Type : Deposit Description : XXXX XXXX XXXX : PAYABLES XXXX INDN : XXXX XXXX CO ID : XXXX PPD Merchant name : XXXX XXXXSelect toEditthe merchant name Transaction category : Income : Paychecks/SalarySelect toEdit
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX  and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Vehicle loan or lease

I was Financed through Santander for a vehicle by way of XXXX XXXX in XXXX. I've had an Involuntary repo in XXXX through Santander. I was told by Santander, that if I released the vehicle, they would sale at auction & potentially could be pro-rated a paycheck after the sale of the vehicle via the auction. Santander has potentially sold the vehicle at auction and has yet to notify me, & the balance is still reporting negatively to all three credit bureaus. I have also contacted my GAP insurance provider ( XXXX XXXX & XXXX ) who I still have a premium & contract with to cover the cost & claim due to loss. I believe this balance should be taken off my report due to being Factually Inaccurate. - Thank You
Product: Credit reporting or other personal consumer reports

A hard credit inquiry is on my credit report. It is from XXXX in XX/XX/2023. I did not apply for credit with this company. There should be no hard inquiry. Someone else must have used my information otherwise there would be no inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), Experian must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent the credit bureau letters asking them to verify the debt on my report. They have sent it back stating that everything is verified correctly. My credit report still shows inaccuracies. 15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair credit Reporting act. The list of accounts below have violated my federally consumer protection rights to privacy and confidentiality under 15 USC 1681. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all these accounts have violated my rights!!!! 

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

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section States no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

please take this letter in consideration these in accuracies is causing a lot of problems in my finance when trying to apply for anything including jobs, please fix this problem asap thanks!!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Returned merchandise at the store level On XX/XX/XXXX invoice return credit did not post Paid monthly bill at store level via check Check was not processed on my bank statement On XX/XX/XXXX balance showed {$180.00} did not reflect check payment On XX/XX/XXXX still showing $ XXXXbalance Late fee added to the XX/XX/XXXX statement still no credit adjustments shown Frustrated paid the {$230.00} which included the lates fee and requested XXXX to close my account On XX/XX/XXXX Received another bill for a balance of {$44.00}. That was paid even though no further purchases. Through this ordeal I have paid for merchandise I returned along with 2 late payments totaling {$88.00}. 

All balances along with two late payments were paid, closed the account, frustrated and only open this account credit card because the store representative encouraged me to receive the 30 % off sales. 

I called Comenity Capital Bank several times of which was transferred to several departments. I recently spoke to a XXXX representative at XXXX XXXX XXXX and she said that she would sent my concerns to the finance dept. 

I am in the process of buying my third home and was informed that I have a blemish on my credit report from XXXX / Comenity Capital Bank. 

You can clearly see by reviewing my credit history and banking w/ XXXX  XXXX XXXX that I am a responsible consumer- I still buy my clothes from XXXX but use my MasterCard from XXXX XXXX  and ALWAYS pay the balance in full each month. 
I charge approximately XXXX per year with this card and NEVER missed a payment in full. 

I am asking that the companies involve to reconsider removing this blemish from my credit history. 

See XXXX XXXX and Comenity Bank records. 

Thank you
Product: Credit reporting or other personal consumer reports

Background of the Issue : On multiple occasions, I have reached out to Equifax via certified mail, phone calls, and online requests to report instances of identity theft and fraudulent activity. Each time, I have provided proper documentation in accordance with the law. Despite these attempts, Equifax has failed to take appropriate action to block or remove and delete the fraudulent accounts from my credit report. 

Violations of Federal Law : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681c-2 : According to the FCRA, credit reporting agencies are required to block any information related to fraudulent accounts upon the consumer 's request, provided that the consumer has submitted the necessary documentation, such as a police report or identity theft report. The fraudulent accounts and addresses on my report fall under this category, yet Equifax has continued to report them.

2. FCRA - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : The FCRA mandates that credit reporting agencies investigate disputes within 30 days. My repeated requests for investigation and removal of fraudulent information have gone unresolved, which constitutes a clear violation of this provision. The documentation I provided clearly shows that the accounts in question were opened without my consent or knowledge.

3. FCRA - 15 U.S.C. 1681e ( b ) : The law requires that credit reporting agencies maintain accurate records. Equifax 's failure to remove the fraudulent accounts and addresses directly contravenes this requirement and has harmed my creditworthiness and financial reputation.

4. Identity Theft and Assumption Deterrence Act - 18 U.S.C. 1028 : This act defines identity theft as the use of someones personal information without authorization. I have reported the fraudulent activity as required, yet Equifax has not taken reasonable steps to protect my identity or prevent the reporting of these fraudulent accounts.

Conclusion : Equifax ongoing failure to comply with federal law, despite my repeated requests and provision of evidence, constitutes a violation of my consumer rights. I am requesting that the Consumer Financial Protection Bureau ( CFPB ) investigate this matter and ensure that Equifax takes immediate action to resolve these violations.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Checking or savings account

To whom it may concern, My name is XXXX XXXX. I live in XXXX XXXX, Idaho. And I have been a longtime standing member of Chase bank. There was an issue with my account that was not of my doing, that has ended up costing me approximately {$260.00} in lost wages.
Product: Credit reporting or other personal consumer reports

MY NAME IS XXXX XXXX, AND I AM A VICTIM OF IDENTITY THEFT, I AM WRITING THIS TODAY BECAUSE I DESPERATELY NEED ASSISTANCE WITH THIS SERIOUS MATTER IN REGARDS TO IDENTITY THEFT, I AM RECENTLY NEW TO THE UNITED STATES AND I HAVE JUST RECENTLY DISCOVERED THAT SOMEONE HAS BEEN USING MY PERSNAL INFORMATION TO OBTAIN SERVICES AND GOODS USING MY IDENTITY AND FRAUDULENT ADDRESSES TO CAPTURE LOANS AND CREDIT CARDS WITHOUT MY CONSENT!. 
THAT BEING SAID I HAVE CONTACTED XXXX CREDIT BUREU MANY TIMES AND THEY HAVE REFUSED TO HELP ME IN THIS MATTER AND DELTE ALL THE FRAUDULENT ADDRESSES FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

IT HAS NOW BEEN 32 CALENDER DAYS PAST FROM THE DATE XX/XX/2023, UPON RECIEVING MY REINVESTIGATION DISPUTE LETTER FOR BOTH TRANSUNION LLC XXXX XXXX THE FOLLOWING DOCUMENTATION OF FURNISHED INFORMATION IN DISPUTE IS INDEED SHOWING MULTIPLE INACCURACIES, INCOMPLETE & UNVERIFIED ACCOUNTS! 

AND ARE NOW AND HAS BEEN IN VIOLATION OF THE FOLLOWING FDCPA LAWS! 
15 US CODE 1681i ( a ) ( 1 ) ( A ) 15 US CODE 1681i ( C ) 15 US CODE 1681i ( 2 ) ( A ) 15 US CODE 2681i ( 6 ) ( 7 ) PLEASE DELETE THESE ACCOUNTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to help my daughter get an apartment, while I was there. I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. 

XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX  {$670.00} XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$560.00} XXXX   XXXX {$370.00} XXXX  XXXX {$510.00} XXXX   XXXX {$5000.00} XXXX  XXXX {$800.00}
Product: Credit reporting or other personal consumer reports

I have been disputing reporting issues to the Nth degree. Experian told me that they wanted information on a an identity theft claim via email. The attachment satisfies their claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection I do not recognize from XXXX  XXXX XXXX in the amount of {$650.00}. At first the company appeared as XXXX. I filed a dispute over 10 months ago without hearing a resolution.
Product: Money transfer, virtual currency, or money service

I applied for a debt consolidation loan with XXXX XXXXXXXX in the amount of $ XXXX. XXXX XXXX applied the money yo my Apple Card through Goldman Sachs. 

I contacted Goldman Sachs and requested the money be transferred into my personal banking account with XXXX XXXX. I was told it would take 10 business days. After the 10 days expired I contacted them again. I was told the request was under review and I had to wait 10 days. I waited and still my request had not been handled. I contacted Goldman Sachs a third time spoke with a supervisor who said the request had been canceled for some reason. The supervisor said she would put the request in again and it should take 7 business days. Still nothing! I contacted them again and was told the matter was under review due to the amount and making sure no fraud was involved, i was given another 7 day timeframe and told the matter had been escalated. 

I contacted XXXX to see if they would contact Goldman Sachs on my behalf. They gave me a number to provide to Goldman Sachs for them to call which, I provided. I still have not been able to get my request resolved and have been getting the runaround and XXXX poor service from Goldman Sachs. Since they refuse to give me my money do they have to pay me interest on my credit on the Apple Card? Please HELP.
Product: Mortgage

I fell behind on my mortgage when the XXXX went through an economic collapse. I have tried to work things out with my servicer but got no cooperation. I was forced into bankruptcy because the current servicer ShellPoint refused to offer assistant for me to keep my home. I submitted all paperwork for a loan modification to ShellPoint Mortgage earlier this year. I qualified for the program. During that time, ShellPoint pretended not to get the paperwork. After stalling for months, ShellPoint approved some type of trial plan that has mystery terms that they do not disclose. I have been forced to make payments on a trial plan and this servicer has not disclosed the new principal balance and interest rate. I was hoping for a reduced principal balance but I believe that this servicer is discriminating against me because of my XXXX background. To this date, ShellPoint has not given me a chance to save my home.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/2017 XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5100.00}
Product: Mortgage

We have been working and trying our hardest to modify our mortgage with SPS, it 's been nothing more than stress for us. We do n't talk with the same person, no one knows the same answer. You can call one minute and talk with someone get an answer, call back and get a completely different answer. We 've been trying since XX/XX/XXXX to modify our mortgage our interest rate is 7.5 %. Also the paperwork we need to fax, one person says it 's all complete then we get a letter saying missing information we fax, then they need another paper. So we have a customer rep that we ca n't get a hold of. It 's been exhausting we do n't want to lose our home we are trying but they just delay in reviewing our case. Why our mortgage was given to them, it 's been XXXX. Our mortgage is {$1100.00} we live in a twin home and have bad credit we are trying to work with them but they do n't seem to really care. I know the answer they will give as I 've seen the automatic response so all complains. Then we 're getting act XXXX letters, why are we getting them and foreclosure when we are in middle of modification, is n't it dual tracking. We just want results and save our home we 've had for 32 years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX is a victim of identity theft