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

The supported company " Equitable Acceptance Corporation ( EAC ) '' is a fraudulent company that has taken my personal and highly secretive information ( such as name, address, bank info, SSN, etc ) and used it for fraudulent purposes without my permission. They claim to forgive student loans in 3 years if you pay {$49.00} a month to them to consolidate your loans. Meaning after 3 years all your loans will be totally be wiped clean. NOTE : Loan consolidation can be done for free by the person taking out the loan. The information on the contract is incorrect and the information in which the Student Advisors for this company put on my credit line is false. The Terms of agreement are false and all affiliation with EAC should be cancelled. Upon contacting the USA Department of Education, they have never heard of this company and advised that it is more likely a scam to fraud student out of money. NO LOAN CAN BE FORGIVEN IN 3 YEARS. The EAC consciously obtained my information to commit fraudulent acts and have now attacked my credit with an account that was opened on false pretenses. The account in which they ran against my credit is not even a loan, it is addressed as a credit card. If trying to pay back my student loans were not hard enough it has become increasingly challenging now that I have to worry about identity theft. Please help me dispute this activity on my credit and report this company as fraudulent. I did not agree for them to use my information to pay them and not forgive me student debt. 

In attempts to call and cancel with EAC, no one ever answers. However, when receiving calls from them, they harass you. They told me I could not cancel and that they already ran my credit. It is hard to see people of this nature taking advantage of those trying hard to live a good life. I have currently disputed this with both XXXX and XXXX in hopes of removing it from my credit because it is hurting me and my credit ; also to report this company so this does not happen to any other struggling people or families.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against XXXX, XXXX and Equifax for willfully violating the Fair Credit Reporting Act ( FCRA ), specifically Section 1681i ( a ) ( 6 ) ( B ) ( iii ), which relates to the requirement that consumer reporting agencies must provide the relevant information about the results of any reinvestigation into disputed items on my credit report. I have made a written request to XXXX, XXXX and Equifax for specific information regarding a dispute I filed under the FCRA, as outlined under 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). Despite my request, XXXX, XXXX and Equifax has failed to provide the required documentation or a valid explanation within the legally mandated time frame.
Product: Student loan

I have been making payment son a Parent Plus loan with Navient for many years. I have made additional principal payments that were applied to interest instead of the principal. I called them numerous times over the years, but nothing was ever done to correct the payments. 
XXXX payments that should have been applied to the principal were applied to the interest instead. 
I payed off the loan in full on XX/XX/21 with retirement funds when my husband was laid off due to COVID.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX XXXX XXXX Account Number:XXXX XXXX XX/XX/2023 - Unauthorized Inquiry XXXX XXXX XX/XX/2023 - Unauthorized Inquiry According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer reports XXXX addresses I have never been associated with. 
These addresses are affiliated with fraud and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was informed that XXXX closed both of my accounts because they stated I was in default. Neither account has ever been 30 days late. Due to financial issues, I have fallen a bit behind but I always made the payment before 30 days. I have never missed a payment. 

On XX/XX/XXXX, I went on XXXX 's website to attempt to make a payment to avoid any 30 day lates. XXXX was reporting that there were no payments due on either account. Please see attached picture. 

On XX/XX/XXXX, XXXX XXXX  reported my credit card as a charge off. Once again, I have never been 30 days late with XXXX. For the past 3 months, I have been making the payments around 28 days late but NEVER 30 days late. On XX/XX/XXXX, XXXX XXXX charged off the account and reported the inaccurate negative information to XXXX, XXXX and TransUnion. Their actions were improper. On XX/XX/XXXX, the account was only 28 days behind. When I logged in to make an additional payment on XX/XX/XXXX, the account was no longer listed on the website because they had discharged it. Payments are due on the XXXX of each month. There is no record of this account ever being 30 days late nor have they reported it late. 

In accordance with the Fair Credit Reporting Act, the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  : Account # XXXX XXXX XXXX XXXX. Account Name : XXXX XXXX, Account # XXXX XXXX XXXX XXXX. Account Name : XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 602 ( a ) ( 1-4 ) states ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C. 1681b Section 604 ( a ) ( 2 ) states any consumer reporting agency can not furnish an 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 ) states 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

I have reached out to the involved companies through the credit bureaus, and it has been XXXX days without any response. This lack of communication is concerning and disappointing, as I am only trying to resolve the issue with these accounts. The unresponsiveness from the company may be perceived as an admittance of incorrect or inaccurate information. 

I demand that this unverifiable information be removed from my credit report immediately. The XXXX-day delay in addressing this matter is unacceptable and impacts my financial standing. I expect prompt action to resolve this issue and ensure that my credit report accurately reflects my financial history. 

Please let me know if you would like any further revisions or if you have additional concerns.
Product: Credit reporting or other personal consumer reports

For the last past year I have disputed erroneous information being reporting to the credit Bureaus asking them to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable Reinvestigation of disputed account and personal information on My Consumer Report. leaving misspelling of name, wrong Social Security Numbers, Incorrect address ( Stating the addresses are Attached to Accounts, Leaving unverified Account information which leaves the disputes unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging Systemic issues such as filing to forward Consumer-provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. these failure align with my Experiences with all three credit bureaus, where by there own admittance have not removed the listed accounts or personal information. also under the 605 FCRA The credit bureaus has Only 4 Days to correct these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Oh XX/XX/XXXX I was sent a letter from self financial stating that they was allowed to furnish anything on my account with my consent. I was never given the chance the opt out of there privacy disclosure at all. They are not following the XXXX XXXX part XXXX under The XXXX XXXX about giving a chance to allow the consumer to opt out of the disclosure of the consumers nonpublic personal information to a nonaffiliated third party if the disclosure is outside of the exceptions. So now that they violated my rights under that act.I would like this removed all late payments and all negative information related off my credit report on Experian account # XXXX is self account number.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed inaccurate information on my credit report under 15 USC 16c-2, which is negatively affecting my credit score. The inquiries were not authorized by me
Product: Credit reporting or other personal consumer reports

I was affected by Equifax and XXXX data breach. My information was hacked and leaked. This Credit reporting agency is in violation of FRCA laws. 

According to FRCA 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assemble by credit reporting. USC 1681c-2 ( a ) A consumer reporting agency shall block the reporting of any information in the file of a consumer that identifies as information that resulted from an alleged identity theft, not later than 4 business days after date of receipt.

1681g ( a ) 1 Information on files, source, reporting receiptents.

_Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer ; ( 1 ) All information in the consumer 's file at the time of request. This agency in violation of not being able to supply what you have on file to verify the following accounts : XXXX XXXX ( acct # XXXX ) XXXX XXXX ( acct # XXXX ) XXXX XXXX ( acct # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ( acct # XXXX )
Product: Credit reporting or other personal consumer reports

I disputed the error in my TransUnion credit report and despite providing evidence that the debt was previously settled, TransUnion is still not correcting the error. 

Section 611b of the Fair Credit Reporting Act ( FCRA ) entitles me to add a statement ( 100 words or less ) to my file giving my version of the dispute so I demand that TransUnion LLC add this to my file under the erroneous information.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

The name of the company is  Oracle  rep calling  XXXX   XXXX   XXXX . She was told to stop calling my job and that I could n't accept personal calls. My employer at that time hung up and  XXXX   XXXX  called back to speak with my supervisor and asked to speak with her directly. My supervisor then contacted me and told me that she had spoken with  XXXX   XXXX . My job is in jeopardy because of the harassment this person is doing. She was told to stop calling on numerous occasions and yet she continues. She called on  X/XX/2017    once,  XXXX  once,  XXXX  twice,   XXXX   twice and the  XXXX  three times and that was when she spoke with my supervisor.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), this creditor has violated my rights. Specifically, XXXX XXXX XXXX ( a ) ( XXXX ) states that a consumer reporting agency can not furnish a consumer report without the consumer 's written instructions. Additionally, under XXXX XXXX XXXX, a creditor must not treat a payment on a credit card account in a manner inconsistent with the terms of the agreement or without proper disclosure. 

This dispute concerns a late payment entry reported by XXXX XXXX XXXXXXXX for XX/XX/year>. The inaccurate reporting of this payment violates my rights under the FCRA.
Product: Credit reporting or other personal consumer reports

I am unable to sign into my Experian account because someone stole my identity and changed the email and phone number on my experian account. Experian customer service has not been able to help me recover my account. I absolutely despise the monopoly that these credit reporting agencies have. Experian is the absolute worst reporting agency out of all of them.
Product: Debt collection

This company has reported a charge off on my credit report. I paid this account in full through a wage garnishment. Garnishment stopped when it was paid in full, yet it is now listed as a charge off. When I called the company, they state the debt was not paid XXXX full and garnishment was stopped in error. This is absolutely NOT true. I want this charge off and all bad reports from this company removed from all of my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report with the intention of trying improve my credit and take care of my responibilities and notice a few accounts that i wanted a little more explantation on, According to Fair Reporting Credit Act by law i have a right to challenge the validity of this inacurrate Falsely reported account 15 USC Sec. 1681b ( a ) Ive notice they cant provide soiid proof validating through XXXX XXXX, XXXX, XXXX Experian never contacted the alleged creditor, 15 Usc 15 Usc Sec. 1692g ( a ) ( 1 ) ( 2 ) they never provided proof CFPB please assisit me with Experian removing these fraudellent accounts
Product: Mortgage

XXXXjust recieved a letter from sls that they approved a new modification and we will be getting it soon with the new terms thank you for helping us
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX  via email received profile update confirmation XXXX XXXX received same email profile update XXXX  Bank of America in XX/XX/XXXX stated someone called numerous times changing all my profile info. 
XX/XX/XXXX state of CA direct deposit funds transfer to checking savings {$3100.00} balance {$0.00}. Called Bank of America XX/XX/XXXX changed info back to me. Filed complaint same day. 
XX/XX/XXXX received letter from Bank of America stating no fraud was founded. Was also told that fraud was done online and gave last 4 digits of acct it was sent to. Not my acct. Filed police report on XX/XX/XXXX. Same day called Bank of America stating it was fraud. My claim is now pending reconsideration.
Product: Checking or savings account

Check writer from XXXX XXXX ( routing code XXXX ) who made electronic deposit to my account in person at Well Fargo bank ( XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX ) on Friday XX/XX/2022 with status " Pending '' means fund is not available and in process. The fully funds available will be on Saturday XX/XX/2022 which was printed out on a Wells Fargo receipt. ( XXXX was a bank teller at that time who handled a check and printed out receipts ). The full funds were posted on my account on Saturday XX/XX/2022 through Tuesday XX/XX/XXXX, XXXX Wednesday XX/XX/2022, Wells Fargo reversed the fund due to the check writer closing her account at XXXX XXXX  XXXX 

Now I lost {$4800.00} due to mishandling by Wells Fargo. As a customer, I saw a posted available fund which means the deposit transaction has been completed and I released a good and service to the check writer. 

Now Wells Fargo denied my claim and they did not want to go after XXXX XXXX  to protect their customer and pursue legal action against XXXX XXXX  and the check writer. 

Based on Wells Fargo deposit agreement, they said all types of deposits will be subject to withhold and process later to prevent defraud. Therefore, they put " pending status '' on the customer account. 

I asked Wells Fargo what the difference is between " Pending Status '' vs " Posted Status ''. They said " Posted status '' means they are still processing deposit transactions which were never mentioned in the Wells Fargo deposit agreement. Therefore, they just reversed the funds from my account. 

As customers, we all will be victimized by bad check writers if they use this type of loophole to take advantage of us. In addition, the bank did not state clearly in the agreement what they mean by " Posted Status '' vs " Pending Status '' Please help us as customer and consumer on this type of check fraud.
Product: Debt collection

I received credit alerts from : XXXX XXXX  and XXXX that Americollect inc., company flagged my accounts for collection. Americollect inc., flagged my credit file with inaccurate collection information on XX/XX/XXXX, and XX/XX/XXXX. 
Their account was opened on XX/XX/XXXX : I have not received any goods or services from Americollect inc., and I do NOT now nor have I ever agreed to this contract! Proper documentation from Americollect inc., was NOT provided to NAME to allow Americollect inc., to verify the accuracy of their data before placing their account with the credit bureaus for collection. 
Americollect attempted this same tactic in XXXX of XXXX and was unable to validate their accounts. As a result, each credit bureau immediately removed their accounts.
Product: Credit reporting or other personal consumer reports

Why on earth would equifax allow those affected by the data breach between XX/XX/XXXX XXXX XXXX XX/XX/XXXX not allow you to file your complaint information on XX/XX/XXXX?? It only makes sense that you should able to file your info after XXXX in order to have all your correct info for those dates. I was affected by the breach and just needed to have my info through XXXXXXXX XXXX in order for it to be legit. This was just another way that they could XXXX me again. Seriously, how can you get the data for XX/XX/XXXX until XX/XX/XXXX?? Am wrong? Seriously XXXX off
Product: Credit card

A charge posted on my account in the last billing period that I did n't authorize. The charge came from a merchant whose services are pushed on me through mail marketing by the credit card company. I called the merchant and did get the charge reimbursed. I also called the credit card company and voiced my concern regarding a charge that was unauthorized and came from a merchant that is frequently marketed on me by them ( being the credit card company ). The credit card company offered to block the merchant and look into any wrong doing on the merchant side. The service associate told me that the credit card company did own the merchant company at one time. I now have the credit card company reviewing any wrong doing by the merchant. My question is, who will check on the credit card company for any wrong doing? Normally, I would not be that concerned about a charge dispute, but in this case, I am very concerned that the credit card company is not treating my information in a secure manner. I have had no dealings with the merchant ( that I can remember ) but yet they were still able to acquire my credit card information to charge it. I would like the credit card company to answer the question of, how did the merchant get me " secure '' credit card information?
Product: Mortgage

Please assist in an additional attempt to a resolution with Bayview Financial Services in regards to mortgage of Estate Property as each attempt I have tried, they have responded with insufficient evidence, to support they're claim. 
Bayview Case Number : XXXX Regulatory Case Number : XXXX * I have enclosed the court record. 
* Bayview has both death certificates * Bayview has copy of my birth certificate, showing I am the sister of XXXX XXXX, additionally, they have aknowledged I live in the home. 

I can provide my spouses, XXXX XXXX sons birth certificate as well, if needed, as he too is a successor of interest. 
I can provide verification that we hold note, & Security Deed as well as the Quit Claim Deed to property. 

I understand Bayview is not familiar with the prior situations at hand, nor the disputes, or the questions concerning Mr. XXXX actions regarding the Estate. I am offering a simple gesture of accommodation, in hope of crediting Bayview, with good business ethics, as well as a mortgage company that works with they're clients in such a time of despair.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these queries. I lack any relevant information about them, and the company initiated them without my authorization.
Product: Credit reporting or other personal consumer reports

KIMBALL TIREY ST JOHN IS A FRAUDULENT MARK ON MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and remove a fraudulent account from my credit report, in accordance with the Fair Credit Reporting Act ( FCRA ). I have recently been a victim of identity theft, and the account in question was opened without my knowledge or consent. Below are the details of the fraudulent account I am disputing : XXXXXXXX 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

Please update credit report to show no late payments for the last 24 months in accordance with the Good Will Letter attached