23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Lendmark Financial for the unlawful reporting of my personal information to credit reporting agencies. I am requesting immediate action to stop the sharing of my personal data, including any payment history, and to remove any associated account information from my credit reports. 

As per the Fair Credit Reporting Act ( FCRA ), I understand that credit reporting agencies and companies must ensure that any information provided about me is accurate, verified, and does not violate my privacy rights. Under the FCRA, no entity has the right to report or disclose my personal information without my explicit consent or without ensuring that it is accurate. I assert that Lendmark Financial has failed to comply with these requirements. 

Additionally, under the Privacy Act of 1974, personal information, including credit data, can not be disclosed or shared by any company or agency without my consent, unless there is a legal basis for doing so. I assert that Lendmark Financial has failed to provide sufficient, legal justification for the continued reporting of this data to credit bureaus, especially in light of my rights under both federal and state law. 

As a result, I request that Lendmark Financial immediately cease all reporting of my personal information and remove any associated data from my credit files. I demand that they cease sharing this information with all credit reporting agencies. 

Please investigate this matter under the full extent of the laws governing privacy, the sharing of credit information, and consumer protections. I request that you take all appropriate action to ensure that my personal data is no longer reported or shared and that Lendmark Financial complies with applicable laws regarding the protection of my privacy. 

If Lendmark Financial does not remove the inaccurate and unauthorized information, I am prepared to pursue additional actions with your office and any other relevant authorities to ensure my rights are fully protected.
Product: Credit reporting or other personal consumer reports

Violation of the PRIVACY ACT OF 1974 Violation of I.R.S PUBLICATION 4681 under canceled debt, charge off account is considered a certificate of indebtedness and it is considered as income and income should not be showing on my consumer report. 
Violation of 15 USC 1666b, showing late payments is illegal
Product: Money transfer, virtual currency, or money service

BANKS OF NORTH CAROLINA   NC General statute article 22 53-282 ( b ) The licensee shall ensure that each customer cashing a check shall be provided a receipt showing the name or trade name of the licensee, the transaction date, amount of the check, and the fee charged.
( c ) A licensee shall ensure that in every location conducting business under a license issued under this Article, there is conspicuously posted and at all times displayed a notice stating the fees charged for cashing checks, drafts, and money orders. A licensee shall further ensure that notice of the fees currently charged at every location shall be filed with the Commissioner.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has failed to send dispute results and is reporting the following items inaccurately ( see below ). 

ACCOUNTS XXXX XXXX XXXX XXXX-XXXXX inaccurate XXXX XXXX XXXX XXXX inaccurate US DEPARTMENT OF EDU XXXX inaccurate US DEPT OF EDUCATION XXXX never late XXXX  XXXX XXXX {$870.00} not mine XXXX XXXX {$870.00} not mine XXXX XXXX XXXX XXXX-XXXX {$420.00} not mine XXXX XXXX XXXX XXXX-XXXX {$660.00} not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

When I check my credit report the date of last activity, high credit, credit limit, etc is not the same across the board. Collections account shouldnt show status as open or with past due balance.

It has a list inaccuracies and all the corporation does is verify the information on my consumer report and tells me its accurate as if they never checked it in the first place.

15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave permission or received a letter in the mail for this to be reported on my credit, also the credit corporations has not verified the information only asking the other party the accuracy of the info
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian several times to dispute these inquiries and I have received multiple answers to throw me off. The following inquiries were made without my granted consent : XXXX XXXX/XXXX  XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance : {$8900.00} XXXX XXXX XXXX Balance : {$8900.00} XXXX  XXXX XXXX Balance : {$8900.00}
Product: Credit reporting or other personal consumer reports

found fraudulent inquiry in my credit report.please remove. XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

My bank account was used using XXXX XXXX ATM cards myself and business partner received but we're never ever used by us. Meaning we had possession of these cards but never used them since we received them because we had not decided what to do with the business yet. We noticed in XXXX that there were charges to the account from my ATM and their ATM card to a merchant hotel chain across the US. Since our cards have never been used before we were shocked someone got a hold of these numbers. We contracted TRUIST on the XXXX of XXXX and on the XXXX and XXXX of XXXX the same hotel fraudulently charged us from different states. Truist which is our bank refused the fraud claim citing that it was too late to get a claim even though we reported it on the same day and the day before the 2nd fraudulent charge was placed on the account. Also Virginia gives us 2 years to report fraud from the day it's discovered so this denial flies on the face of every logic and all the funds in the account were stolen. 

None of this makes sense and we believe that it could be someone who has knowledge of ATM cards as they go out or something like that we haven't used these cards with ANY vendor for ANY amount. I don't have any recourse because they already denied our claim.
Product: Mortgage

We received a chapter XXXX bankruptcy charge off in XXXX. Bank of America ( BOA ) stopped reporting our payments to the credit bureaus in XXXX. In XXXX, BOA stated that the changed the way mortgages are reported to credit bureaus. This is based on a ruling that did not exist in XXXX.
Product: Student loan

Nelnet has indicated the SAVE repayment plan waives interest so as long as monthly federal student loan payments are made. However, Nelnet 's response did not indicate the interest accrued between XX/XX/2023 until the date my SAVE repayment plan application is processed will be removed/waived. This issue was not addressed in Nelnet 's response. Thus, the letter dated XXXX was informational about the SAVE repayment plan features and apologetic for frustrations regarding the SAVE repayment plan extended processing delay. However, the letter did not address the concern regarding the accrued interest I have no control over. It is assumed at this point I am personally responsible for the financial burden of thousands of U.S. dollars in added interest costs due to Nelnet 's processing delays. Again, like many, many other Nelnet clients I do not see how this fair or acceptable. If Nelnet 's final response either now or after the SAVE application is processed that I am responsible for these fees, it is with 100 % certainty it will be necessary for me to take swift and serious action.
Product: Credit reporting or other personal consumer reports

Derogatory Account ( s ) are appearing which were paid off. Im not sure why the description is displayed on my report. XXXX and XXXX XXXX are the accounts.
Product: Debt collection

Hello, as a result of the COVID-19 epidemic, this payday advance loan from Speedy Cash went into default in XXXX. The account was placed in collection, and this writer agreed to pay a lower sum than the posted amount due in exchange for the customer 's release from any further financial obligations with Speedy Cash. 

Now, two and a half years later, in the month of XX/XX/XXXX, we received a letter from a corporation called Ad Astra Recovery Services , Inc., situated in XXXX, Kansas, claiming we owe a balance of {$1700.00} and if left unpaid, will be reported to the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

This credit bureau has information on my report that is inaccurate. I have never opened an account of any kind ever in my entire life. I have never authorized any accounts to be opened in my name, ever in my entire life. This bureau and any accounts/creditors can not prove or provide any evidence of me opening any accounts in my life. I have never had a utility in my name, a credit card in my name, or any debt in my life. I have never provided my social security number to anyone/entity or authorized the use of my social security number to be used. This bureau is reporting false information on me and in no way can supply my signature on any contract or my identification associated with any account that is reflected on the false report it continues to house. I have never authorized any inquiries on my credit report and will be having this bureau audited and all creditors/inquires audited as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please help as this situation has really plagued my life for the worst. These malicious bureaus must be held accountable for all the wrongs that they place onto the american public. I will trust you take this formal complaint seriously and enforce these acts to the fullest extent of the LAW. On XX/XX/XXXX I sent a letter regarding inaccurate and unverifiable and misleading accounts on my consumers report. To this exact date over sixty days later i have not yet received a timely response yet. I feel as if i am being taken advantage of as a consumer of this great country and my disputes are being ignored. Section 611 ( a ) it is plainly stated that a failure to investigate these items within thirty days gives a legitimate reason to IMMEDIATLY delete and remove these items from my consumers report. It has been over sixty days so these should be deleted PROMPTLY. I demand these accounts be deleted immediately or i will be forced to file litigation due to the stress this misleading reporting has caused me. My information and personal information was also affected by Equifax Data Breach that took place in XXXX and may have gotten into the wrong hands. I AM THE PERSON WHO WROTE THIS COMPLAINT AND ONLY ME. PLEASE DONT RESPOND SAYING OTHERWISE.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am a survivor of Human Trafficking. The adverse information attached which may appear ( or currently appears ) on a Consumer Report or Background Check, is the result of Trafficking.

Pursuant to 605C of the Fair Credit Reporting Act, I respectfully request that you block the reporting of the adverse information identified above ( and any other information related thereto ) within XXXX business days ( see 1XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) ). In addition, please send me notification of the action taken pursuant to this request within XXXX business days ( see XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Company is trying to collect rent money not owed as I never resigned a lease in XXXX due to uninhabitable living as there was fiberglass as well as rodents in the common area and units.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past three days, I have been trying to have my credit freeze temporarily lifted in order to allow a company to access my credit information. With XXXX, the security lift took about 5 minutes. With XXXX, the security lift took about 5 minutes. 
However, with Experian, this has been a three day nightmare. I first attempted to do it online ( experian.com/freeze ). While the procedure seems as if it would be simple, it is circuitous, and never allows the consumer to lift the freeze. If attempting to call Experian at XXXX, the experience is even worse. The bot sounds as if can deal with fraud or a credit score but it will not allow the consumer to lift the freeze. How in the world can Experian even be allowed to exist since it seems that they have absolutely no interest in assisting a consumer and the consumer has no possibility of opting out of Experian?
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, Equifax consistently responds within 24 hours stating that the account is accurate without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Here are the accounts I'm have dipsured as inaccurate : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT WAS NEVER INCLUDED IN ANY XXXX  XXXX XXXX XXXX The following account is not mine XXXX Account says charge off and that is not correct please investigate or delete file TN XXXX XXXX  THIS ACCOUNT WAS PAID OFF AND SUPPOSED TO BE DELETED XXXX XXXX  LETTER ENCLOSED FOR DETAILS
Product: Checking or savings account

I have a checking account with 5/3 BANK, XXXX Illinois XXXX. My account was briefly overdrawn - this was only able to occur because I opted in to ''overdraft protection '', a service that is offered so as to protect the account holder from being unable to cover charges drawn upon the account. Within mere days of the overdraft I received incessant calls to my smartphone, to my landline, as well as paper letters demanding I cover the overdraft. Sometimes as many as half a dozen calls a day. I had neither given 5/3 Bank my landline telephone number nor granted their representatives permission to contact me by way of this number.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX, Consumer Social Security Number : ( ), Cosumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists 7 Separate fraudulent accounts appearing on my consumer FICO report which i do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of Accounts : XXXX XXXX Date XXXX ( XXXX {$120.00} ) XXXXXXXX XXXX  Date Opened XXXX ( XXXX {$120.00} ) Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Equifax XXXX XXXX XXXX, XXXX, GA XXXX Subject : Fraudulent Charge-Off/Collection please remove XXXX XXXX XXXX Account Number : XXXX Last XXXX digit card XXXX Account XXXX, XX/XX/XXXX Account XXXX, XX/XX/XXXX Dear, XXXX, Equifax, XXXX I am writing to inform you that the account referenced above, which is listed on my credit report as a charge-off/collection, was opened or incurred fraudulently as part of identity theft. I did not open or authorize this account, nor am I responsible for any related charges. 15USC CODE 1681 As a victim of identity theft, I am requesting that this fraudulent account be removed from my credit report immediately. In accordance with the Fair Credit Reporting Act ( FCRA ) and Identity Theft and Assumption Deterrence Act, I demand that the account be fully deleted from my records with your agency, as well as from my credit reports with the three major credit bureaus ( Equifax, XXXX, and XXXX ). 

To support my claim, I am enclosing the following documents : Police Report/FTC Identity Theft Report A copy of the police report or FTC Identity Theft Report filed regarding the identity theft. 
Proof of Identity** : A copy of my driver 's license, passport, or other government-issued ID to verify my identity. 
Proof of Address A utility bill, lease agreement, or bank statement showing my current address. 

Please respond to this request within 30 days, as required by law, confirming the removal of this fraudulent account. If you need additional information to complete your investigation, do not hesitate to contact me. 

Thank you for your prompt attention to this urgent matter. 

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

I seen some fraudulent inquiries reported to my credit report Ive been tryna get them removed no one will remove them
Product: Credit card or prepaid card

Hello, I have  a credit score o ver  XXXX  and a credit history  of 20+ y ears y et Capital One always re jects my application. It appears that they do not grant credit cards to customers who have   XXXX   XXXX  . When completing the form they ask if I am a citizen of another country and ask which country. I question the legality of this. Thank you
Product: Credit card

Best buy citibank is my credit card issuer. I have had nothing but hardship from them from the beginning. I had a credit limit set at XXXX and had made a XXXX payment on the XXXX of XX/XX/XXXX to bring down my debt and so as to have it reflect on my credit report. After I made this oaynent 3 days later I get a letter stating that my credit limit has been lowered and so now my credit doesn't even reflect that I paid down my debt. That I'm not using all of my available credit, etc. Citibank sends me another over t my credif limit again today XX/XX/XXXX. This will affect my credit. When in fact I paid over my minimum payment amount yesterday citi bank holds on to my payments and then charges me late charges. Over limit charges, extra interest charges etc. They held my payments in XXXX XXXX and then stated I was late. This company is crooked.