23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

Lendmark Financial Service. is in violation of 15 USC 1692g, 15 USC 1692j and 18 U.S. Code 241.Lendmark Financial Service , unlawfully with out a court order or proof of claim arbitrarily deprived me of my property without due process of law. The  seizure  of my property without a warrant and without a court order is a violation of FRCP rule  41 and 18 U.S. Code 983.      I was never personally given any loan fr om Lendmark Financial Service and was never given any accounting or receipt disclosing the transaction which took place between Lendmark Financial Service and the seller. After further discovery I have learn that Lendmark Financial Service used my identity to   obtain a fraudulent loan from   XXXX   XXXX   XXXX   XXXX  . Therefor e Lendmark Financial Service is not the  holder in due course, which would explain why they could not provide validation for the allege debt.     It is more then clear that  Lendmark Financial Service  has committed fraud being that  Lendmark Financial Service is a Co rporation and corporations or banks can not lend credit and that  Lendmark Financial Service pro vided false representation to the credit bureaus which is defamation of character, for a loan that never existed. Due to the fraud committed by  Lendmark, my  property was stolen from me unlawfully, I have been denied credit based off false information and been the victim of identity theft.
Product: Debt collection

I received a message from XXXX company who said it was attempting to collect a debt I owe. I called the number back who said it was a non working number for Chase. This same company left a message on XXXX other phone numbers that have never been associated with any account I have. It was disclosed on answering machines/voicemail that they were attempting to collect a debt from me.
Product: Money transfer, virtual currency, or money service

I am deeply troubled by the way Zelle handles disputes, particularly in light of the CFPBs recent findings, which highlight significant shortcomings in the platforms security and accountability. Despite numerous attempts to address discrepancies with both Zelle and my bank, my concerns were dismissed, and I was told that retrieving lost funds or tracing transactions was not an option. This lack of action has left customers like me vulnerable to fraud and exploitation. The CFPBs investigation further underscores that Zelle has failed to protect its users and has enabled repeat offenders to misuse the system, exposing critical gaps in consumer protection.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was used on applications for American Express and XXXXXXXX XXXX Credit cards. I did not apply for these credit cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report Published as Company Info : XXXX  Account No - XXXX XXXX. Past Due- {$3800.00} 2. Last Payment XX/XX/XXXX XXXX. Account Verified XX/XX/XXXX I already contacted the Company on the Account and received inaccurate response. 

In Accordance with the Fair Credit Report Act XXXX XXXX XXXXXXXX Credit Card account XXXX violated my rights. 

15 U.S.C. 1681 Section 602 A 1 States I have the right to Privacy.

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

Kindly delete the account. 

Thanks XXXX XXXX
Product: Debt collection

After filing a recent tax return, the day before my refund was deposited I recieved a letter stating my refund was intercepted to pay a collection from AAFES. After downloading my IRS transcripts from XXXX XXXX XXXX I noticed every single refund was intercepted. I contacted XXXX which was the third party collection agency and was informed AAFES had been intercepting my refunds and I still had a balance of XXXX as of XX/XX/XXXX. The rep on the phone said notice was sent to the address they had on file and I informed I had a new residence and updated my mailing address. On XX/XX/XXXX I recieved my XXXX  file in the mail. This file is incomplete, contradicting and full of errors. Returned Check Fees, Interest and civil recovery charges, plus transactions stating I wrote a check to AAFES for XXXX dollars and another check for XXXX dollars. Copies of those checks are not in the file. The 3 copies of checks in my file are for different amounts and are not in the transaction statement. I see credits to the balance but then 10 dats later those credits were reversed. with no justification. copies of the checks also have XXXX XXXX  checks but on the back the account says XXXX XXXX XXXX. NSF should be stamped on the checks but not. Im a victim of Identity Theft. The funny thing is AAFES and XXXX ar nowhere to be found on my credit report. Im being robbed.
Product: Student loan

All student loan payments were completed early XXXX. I moved to a new address mid XXXX. However, I am still receiving communication from debt collection agencies requesting that I send them more money. All credit card and student loan debt reported on my credit score should have been offset by my XXXX federal tax refund. But they were not.
Product: Student loan

Aidvantage is my new loan servicer. They sent me a notice dated XX/XX/2022 saying that I have {$120.00} and that it will be debited on XX/XX/2022. This is inconsistent with the current federal pause on student loan payments -- they seem to be planning to charge me a student loan payment despite those loans not currently accruing interest. This seems predatory and they should be investigated.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX  XXXX Account # : XXXXXXXX XXXX XXXX Account XXXX XXXX XXXXXXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Student loan

XXXX XXXX, XXXX NJSince I have XXXX in XX/XX/2012, I have not make enough money to pay off my monthly student loan payment, which has led to them being in default. 
I am currently looking into different banks that could help me by consolidating my private student loans, but my credit is horrible. I need help!, because I am willing to pay just not at a high monthly price.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$940.00} XXXX XXXX XXXX Balance Owed : {$5400.00} ; XXXX XXXX XXXX Balance Owed : {$6100.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$1000.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Checking or savings account

My identity information has been compromised, most likely with the XXXX XXXXXXXX XXXX XXXX that occurred earlier this year. I have frozen my credit with the three reporting agencies, which has successfully prevented people from opening credit card accounts in my name. However, two banking accounts have been opened in my name in the last week. One with XXXX XXXX, and another one with Capital One. With XXXX XXXX, I learned an account was opened because new account emails were sent to an old work email address that I still get. I learned of the Capital One account because I received a debit card in the mail. I have placed fraud notices with both banks. 

I've learned that banks often do not pull credit with the three agencies, so it's still very easy for someone to commit identity fraud through banking services. I have since put a freeze on ChexSytems ( which I didn't know existed because everywhere I read, you are to protect yourself by placing freezes on the " the big three '' ), but I'm still unsure that I am sufficiently protected. 

Why is it that banks can get away with opening fraudulent accounts so easily?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting my car loan payment late XX/XX/2019 to all three credit bureaus. 

This payment was late due to incorrect information provided over the phone from a XXXX representative. I remember calling and asking when they reported to credit bureaus and the representative said I still had a couple days to make the payment not regarding it was a weekend and that it would not process my payment until following week.
Product: Credit reporting or other personal consumer reports

I pulled a copy of my credit report and noticed a fraudulent account. XXXX XXXX XXXX XXXX XXXXXXXX XXXX CITICARDS XXXX XXXXXXXX XXXX XXXX XXXX XXXX theft happened. Remove account. The FTC said I had the right to dispute this account. I have been a victim of Identity Theft. The following accounts are fraudulent : To protect myself from further harm, I have filed a police report and an Identity Theft report. ( See attached reports. ) These fraudulent accounts were not authorized by me. I REPORTED IDENTITY THEFT AND FILED A POLICE REPORT YEARS AGO REGARDING THIS MATTER AND IT IS STILL HURTING MY CREDIT. I DID NOT OPEN THESE ACCOUNTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX sent me a letter denying me credit based on Serious deliquency and public record or collection filed. Proportion of balances on credit limits on bank/natl revolving accts or other rev accts to high. Length of time accounts have been established. Too many inquiries last 12 months.

The reports they used to make an analysis on my credit is erroneous and violates the fair credit act can not be 100 percent verifiable. I need to know what reports this bank used to make their analysis. They only stated Experian was the source. This is a red lining tactic done by this bank which is illegal.
Product: Credit reporting or other personal consumer reports

My address is incorrect on my Transunion and XXXX credit report, it should read : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I had filed a dispute for a {$200.00} transfer when my phone had been hacked and used all payment methods to send them money including Pay Pal when I had called again they told let at other person win the dispute and now I owe the money.
Product: Debt collection

I have been disputing with Receivables Performance Management against inaccurate and unverified collection account on my credit reports. I have sent letters informing them that I am unaware of this account with them, sent debt validation letters for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to them. I have yet to receive any response from them with the proper proof. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. Also, the bureaus have been reporting collection agencies own the same accounts. My credit report, as of XX/XX/18, shows XXXX XXXX XXXX collection agency owns XXXX XXXX at {$1200.00}, and Receivables Performance Management collection agency owns the same XXXX XXXX account listed with Receivables Performance Management at {$770.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me to get XXXX XXXX to delete these inaccurate and unverified accounts from XXXX, XXXX, and XXXX. I have been fighting with them about these accounts for over three months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Since the time the Equifax data breach was made public, I have been trying to place a security freeze on my Credit Report. The automated system is unable to locate my file. The website does no good either, redirecting me to a page that says the service is unavailable or again, we need more information. I called the Equifax hotline and spoke with a CSR, but only to be told that they can not help me if the website and the automated system can not help. I tried again, this time, the floor manager gruffly read out what is on the website and hung up. I do not want to send my details in mail and wait for an eon before my request is processed by them. This is a gross mishandling of the breach and in this year of 2017 I am ashamed to interact with such a company who is doing nothing to help the people who are suffering.
Product: Credit reporting, credit repair services, or other personal consumer reports

South Carolina Bankruptcy Court Docket # XXXX I have a Bankruptcy on my Credit report that does not belong to me already in dispute. I have contacted Transunion several times about this account on my credit report and the sourceXXXX that gave them the report about this public record. I'm am including a document clearly stating that XXXX have deleted this Public record because it was not mine. please remove this Bankruptcy asap from my TransUnion credit report or legal action will be enforced.
Product: Debt collection

" NEW ISSUE '' I have completed papers in XXXX  District Court in XXXX XXXX XXXX and called Synchrony to speak with XXXX XXXX several times with no response. I am seeking litigation for violations for neglience under the Fair Credit Billing Act and Truth in lending acts and not honoring police reports in Third district court in XXXX for damages to my credit reports and not being able to move due to this and my safety been jeopardized due to criminals knowing where I live. And fraudulent balances being reported to the credit bureaus willingly and freely without any contact with the Detectives or police department. I am now requesting since XXXX XXXX Synchrony Bank representative who refuses to answer or respond to my phone calls. The address where to send legal affidavits for Synchrony. If they do not won't to answer my responses on the amount of well-documented negligence then I am requesting from a Judge in XXXX District court to look at the matter. 

" MARKING THIS AS A DUPLICATE '' will show a Judge further negligence.
Product: Checking or savings account

So I have PayPal Credit Line for use on-line. I have PayPal Mastercard. And then I guess it was checking account because I had a debit card through PayPal. An unauthorized payment came out of around XXXX  dollars. Because there was no funds. I'll came out of my XXXX XXXX checking account. Somehow was linked. So file complaint. They said the refunded money. But yet somehow they now tried to charge the XXXX something form XXXX I think was the fraud. But they said they were waiting for refund. They never got it supposedly. Amd charged off my debit account. Amd freezer my credit line and credit card from PayPal. Even though there never should have been a negative balance on the checking. I never used. Because they say it's my fault. It's clearly their fault. I need this fixed. I need my credit back in good standings. I pay my monthy card and line.
Product: Student loan

Hello I talked to them and other programs and repayment plans or options and they said that my plan will just be getting interest but a fixed one and that was not true and another person said I can cancel my loan but I have to give up my degree for the XXXX XXXX. Also on my credit score they put it as a default.
Product: Checking or savings account

This is the second time this problem has happened with US BANK. I login to the app two weeks ago and the US BANK app tells me my available balance was XXXX dollars maybe a little more. This was around the time of XXXX XXXX. I made a few purchases that were no more than XXXX dollars. After I made those purchases my account was still positive {$15.00}. I hadn't checked my account online for 6 days. When I log in on that 6th day I see that my account is in the negatives and that two overdrafts fees were applied tAVAo my account 5 days after i made any purchases. When I called US Bank someone told me that my account was already in the negatives when I made those purchases. I was told that several times. They kept telling me that I was look at my account balance which is wrong!! When I log in to my account my AVAILABLE balance is the first thing I see. SO I hung up the phone. I go into the bank branch in XXXX XXXX last week they told me something different. I was told that I never had XXXX dollars as an account balance or an available balance. They refused to refund my account for all those overdraft fees. I am very angry with US BANK because i keep several different things from over the phone and from the branches themselves. I can't take screenshots of my account when I am logged in on the app so I can never prove to them that I'm not wrong!!! If this happens a third time, I'm filing a lawsuit, This bank is wrongfully taking money away from me and I can't prove it because I can't screenshot what the app is showing me about my account. There are huge discrepencies in US BANK 's system. I tried to open up an account with a different bank but I can't because I " OWE '' US BANK money. I don't owe them anything. This is a horrible bank who REFUSE to admit they are wrong. I want XXXX dollars refunded back to me and I want the option to close my account and take my money and business elsewhere to a different and better banking institution. This is the second time this has happened!
Product: Checking or savings account

I opened a new free checking and savings account on XX/XX/2020 with First Citizens Bank. I signed up through a promotion that stated I would earn a {$300.00} bonus by making 10 debit card transactions and enroll in eStatements. I have met these terms as of XX/XX/2020. The bonus terms stated that the {$300.00} should be paid out within 120 days. As XX/XX/2020, the bonus has not been paid. I contacted the bank through secure messaging on their website on XX/XX/2020 requesting when the bonus would be paid, but they have not answered my question. I am now filing this complaint on XX/XX/2020 to seek a resolution.
Product: Credit reporting or other personal consumer reports

TransUnion has made it extremely difficult to file a dispute regarding items on my credit report. On multiple occasions, including XX/XX/XXXX and XX/XX/XXXX, I attempted to file a dispute online but was met with a message instructing me to either call a phone number or submit the dispute by mail. The phone number provided, ( XXXX ) XXXX, does not workit does not ring and immediately returns a call failed message. I attempted to call this number at least XXXX times during their listed hours ( XXXX XXXX XXXX XXXX XXXX XXXX  ), but was unable to connect. 

In addition, I attempted to mail in a dispute in both XXXX ( XX/XX/XXXX ) and again in XXXX, but I never received any response from TransUnion on either occasion. When trying to find the mailing instructions on their website, I was redirected to a separate page : XXXX XXXX XXXX  However, this page only leads to another login prompt, which circles back to the same starting point, creating a frustrating loop that provides no clear instructions on how to dispute by mail. 

Ultimately, I had to search for the mailing address through a third-party search engine, as TransUnion does not make this information easily accessible. This ongoing lack of access and responsiveness has made it nearly impossible to dispute information on my credit report or even verify details, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ).