davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2019-09-26
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lendmark Financial Services (MD)

On XX/XX/XXXX I spoke with a Mr. XXXX XXXX about my inability to pay being that i was unemployed at that time. He informed me that i could have the XXXX payment waived by going on a payment plan that would push my account out to XX/XX/XXXX. When The XXXX came around i had just began back working starting XX/XX/XXXX. Being that i was unemployed for a total of 6 months, I also had other bills ( Carnote, Insurance, childcare, ect. ) that i had to take care of or else i wouldve continued to be unemployed without the proper means to get to work. Starting XX/XX/XXXX and almost every day there after i would recieve at least 6 live phone calls a day from Their Place of business LENDMARK FINACIAL SERVICES Located in XXXX, MD XXXX. It didnt really bother me until Yester day XX/XX/XXXX, I received a phone call from an unknown number not saved in my phone. Turns out it was the Branch manger, Mrs. XXXX XXXX Contacting Me Using HER PERSONAL PHONE, Once I identified my self, mrs. XXXX preceeded to tell me that i was past due, which i was aware of and explained to her that i can not send what i dont have and that i was working on trying to fulfil my balance. She then threatened that she would foward my file to an attorney that would then move foward with garnishing 25 % of my wages and then hung up the phone. I called her back to ask what other options did I have because i was planning on making a payment today XX/XX/XXXX, in which i did in the amount of {$200.00}. She then preceeded to tell me that i was behind 2 payments as if to say she did not believe i was activley trying to fulfill my my balance or would be able to. I feel this was a form of harrasment because I recieved i high influx of calls from the company while at work with patients and then to have a Manager use her personal phone to contact me was just mind blowing. I understand there was a job to be done which was getting in contact with me, however it was done incorrectly and Unprofessionally.
Consumer complaint received 2022-07-25
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I have been defrauded of at least {$14000.00} from my BoA EDD debit card account. I have submitted multiple fraud claims with BoA claims dept. They have all been denied. 
There is more than enough evidence in my case to support my fraud claims. It is my understanding that BoA has the legal responsibility to ensure their customers funds from fraud, including very specifically fraud through means of electronic funds transfers, which have been employed in the theft of my funds. Nobody with whom I have discussed this in the past month has found reason to believe that what I have been through is anything but fraud, except for BoA ... Not the police, not the AG 's office, not the FBI, not even the BoA employees with whom I have discussed this, have had any reason to doubt my claims of fraud. 
I was contacted today by XXXX XXXX in the BoA Regulatory Comlpaint dept per XXXX XXXX, whom I have never spoken to. XXXX told me that I was going to be receiving XXXX XXXX 's findings in response to my complaints, and that the findings support BoA 's previous judgements against my claims. This is OUT OF CONTROL. 
I HAVE HAD ALL OF MY MONEY STOLEN AND Bank of America WILL NOT REFUND ANY OF IT. AREN'T THERE LAWS AGAINST THIS?!
Consumer complaint received 2019-09-29
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY (NJ)

Today ( XX/XX/2019 ), tried to withdraw XXXX XXXX from the ATM at TD Bank ( XXXX, NJ ) at XXXX. The ATM broke down while dispensing the cash. When contacted TD Bank, the representative said that TD bank was not responsible and keeps no record of transactions that happen at the ATM because they are only a middleman. If anything, the withdrawer would have to have the card issuer ( in this case, XXXX XXXX XXXX ), file a complaint against TD Bank. However, from XXXX XXXX XXXX XXXX perspective, the cash has already been withdrawn. The two banks are blaming each other and in the meanwhile, this sum of money has evaporated. I believe TD Bank owes me this sum and should be held responsible.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX  XXXX, NC XXXX, XXXX XXXX Balance XXXX {$860.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$890.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$290.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$430.00}, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$100.00}, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$240.00}, XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$74.00}, XXXX  XXXX XXXX : {$200.00}, XXXX  XXXX Balance : {$31.00}, XXXX XXXX Balance : {$540.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX, 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, 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 XX/XX/XXXX.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Transunion is reporting income on my consumer report as charge-off. 
The account information below is wrongfully categorized by both XXXXXXXX XXXXXXXX XXXX  and Transunion. 
XXXX XXXX # XXXX According to the IRS and FRCA XXXX This item on my credit report is violating the following US code Transunion and XXXX XXXX XXXX are in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) Transunion and XXXX XXXX XXXX  are in clear violation of the law. Pursuant 15 US code 1666b ( a ) Transunion and XXXX XXXX XXXXE are is in clear violation of the law by wrongly characterizing an income as a collection account. 


XXXX XXXX XXXX is in clear violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) -- Exclusions - Except as provided in paragraph ( 3 ), the consumer report does not include - ( A ) subject to section 1681s-3 of the title, any - ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The Law clearly states : Transaction or Experiences between the consumer ( XXXX ) and the person ( You ) XXXX XXXX XXXX making the report is NOT INCLUDED on the Consumer report! 

Utilization and late payment are experiences with the line of credit that was extended between the consumer ( ME ) and the person ( You ) XXXXXXXX XXXX XXXX that is making the report. Congress clearly states that the reporting of transactions or experiences between consumer and the person making the report is not included on the consumer report. 

You are violating the FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting this transaction or experience ( utilization ) on my consumer reports which congress clearly states that is not included on my consumer reports. 


XXXXXXXX XXXX XXXX is in clear violation of the law. Pursuant 15 US code 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

XXXXXXXX XXXX XXXX is in clear violation of the law by wrongly characterizing an income as a collection account. 
Once 1099a or 1099c is filled as a result of charge-off the account becomes a taxable income. This makes the characterization of the account wrong. XXXXXXXX XXXX XXXX is reporting an income. See attached Instructions for Forms 1099-A and 1099-C ( Rev. XX/XX/2022 ).
Consumer complaint received 2017-07-20
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Please take notice that I have taken all necessary step in supplying all needed evidence in order for the corporation ( s ) TRANSUNION/XXXX/XXXX to adjust and remove all negative reports from my credit file. As of X/X/2017 it is still reflecting the negative remarks as of XX/XX/2017, which is hindering me from any future financial growth. I am informing you of these direct '' violations '' with the desired outcome of you helping me in getting said violation removed from my credit report. as of today I will fax you copies of said completion on my behalf. Please help me help myself.
Consumer complaint received 2021-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: National Credit Adjusters, LLC (TX)

I sent a validation request on XXXX XXXX, 2021, which was delivered on XXXX XXXX, 2021 to National Credit Adjusters , LLC ( NCA ). This company has " verified '' an alleged debt multiple times in the past few months, so I contacted them directly. It is now XX/XX/XXXX, and I have yet to receive any validation or proof of the alleged debt from NCA. This company is using outdated information to " verify '' the alleged debt, and have not responded to my request within the 30 day time frame.
Consumer complaint received 2016-04-20
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC (TX)

The Nissan motor acceptance company has called me at least 31 times in about a two week time span. We are n't even XXXX full payment behind. They have called me over 6 times in one day at some point also. It is causing issues at work to have them repeatedly call my phone
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL)

On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

Good Day! I am writing to you guys due to some Inquiries that are fraud and reporting on my credit report. I never authorized any of these companies to run my report. When I called them they didn't have any solutions for me and could not find my information anywhere so why are the credit bureaus reporting these items? Please have them investigate them and delete them from my credit report. I also filed Identity theft/fraud because I did not give them the authorization to run my credit you can see them found attached. Please have these removed asap. I tried contacting them and sending letters and nothing was solved.
Consumer complaint received 2024-03-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES TRANSUNION, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (NJ)

XXXX XXXX XXXX  submitted false information to the credit reporting agencys this violates my consumer right. I don't think investigation was done thoroughly and accurately. Even after disputing accounts ( I have yet to receive any letters directly from said company providing proof account is mine ). How can credit reporting agencys verify as accurate please provide all letters sent from credit card company as proof that they mailed any documents to me after credit bueru did investigation up year 2022. I suggest credit card company don't provide false letters either all my XXXX account is set up that I can view all my receivable mail..
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, NC XXXX, XXXX XXXX Balance XXXX {$860.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$210.00}, XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$890.00}, XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$290.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX  ) XXXX Balance : {$430.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$100.00}, XXXX XXXX  XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$240.00}, XXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$74.00}, XXXX  XXXX XXXX : {$200.00}, XXXX  XXXX Balance : {$31.00}, XXXX  XXXX Balance : {$540.00}, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX, 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, 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 XX/XX/XXXX.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TN)

There were numerous inquiries on my credit report that I did not recognize. They are here listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Ive filled a police report for identity theft and mailed copies to all of the companies listed. No changes have reflected on my credit report and I was not the person who requested those inquiries.
Consumer complaint received 2022-12-01
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XXXX XXXX XXXX  ), you may be liable for your willful noncompliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act 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 XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 XXXXd XXXX XX/XX/XXXX.
Consumer complaint received 2021-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (PA)

received notice of inquiry from Experian regarding an inquiry from the XXXX XXXX XXXX XXXX in my name. I have not applied to them in my name, ever. 
XXXX confirms a request in my name for $ XXXX. I informed them it was fraud.
Consumer complaint received 2022-12-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

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. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$19000.00} ; XXXX XX/XX/XXXXXXXX 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  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 them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they 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.
Consumer complaint received 2023-03-26
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (FL)

Department of Education Account number:XXXX XXXX XXXX XXXX Account number : XXXX They have violated the following : 15 USC 1681 section 602 A states that i have the right to privacy.

15 USC 1681 section 604 A section 2 It states that a consumer reporting agency can not furnish an account without my written instructions.

15 USC 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 7 years.

15 USC 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.
Consumer complaint received 2022-10-14
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (PA)

XXXX XXXX XXXX IS REPORTING ADVERSE INFORMATION ABOUT ME TO CONSUMER REPORTING AGENCIES. I DID NOT GIVE WRITTEN CONSENT TO FURNISH PRIVATE INFORMATION ABOUT ME TO ANYONE. AFTER VIEWING MY CONSUMER REPORTS, I NOTICED INCONSISTENCIES IN THE INFORMATION BEING REPORTED FROM CONSUMER REPORTING AGENCIES BY XXXX XXXX XXXX XXXX ALONG WITH THAT INFORMATION BEING ADVERSE TO ME. I DEMAND THAT XXXX XXXX XXXX  DELETE THE ACCOUNT IMMEDIATELY. ATTACHED WITH THIS COMPLAINT IS MY COMPLAINT LETTER, PROPER IDENTIFICATION, AND SCREENSHOTS OF THE ALLEGED ACCOUNT FROM CONSUMER REPORTING AGENCIES SHOWING THE INCONSISTENCIES OF THE REPORTED INFOROMATIONXXXX XXXX XXXX XXXX HAS DISHONORED THE UNITED STATES CODE AS WELL AS MY RIGHTS TO PRIVACY AND KILLED MY CONFIDENCE IN THE BANKING SYSTEM. I DEMAND A RESPONSE WITHIN 10 DAYS FROM THE RECEIPT OF THIS COMPLAINT. HAVE A NICE DAY!