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

In response to my 1099c copy b form iv received. The claim made of my copy B document from Nelnet stating the document enclosed with your complaint determined the IRS Form 1099-C provided is fraudulent and was not sent to you by Nelnet To this my question is, in writing what exact evidence is XXXX XXXX of Nelnet providing to make such a claim? of the legitimacy of my Copy B form. To then follow through with your false assumption of the1099C copy B form as that of a Fictitious Financial Instrument '' yet with no stated evidence on this claim? As it seems to be of either ignorance or lack of capability to uphold your duties appropriately.

Three copies originate from the 1099C Form for forgiveness or cancellation of a debt. Copy A, B and C. Copy A as that of what the lender or Nelnet in this case has filed with the IRS. Copy C then being retained and kept for the creditor, while sending copy B to the debtor in this case myself to be kept for my own records as well as filed and included as income taxes on form 1040.

As provided and attached to this complaint the following information matches Nelnet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX address ( as specified exactly from the address XXXX XXXX you provided in your own letter in the top left hand corner? ) Attention to XXXX XXXX XXXX, current CEO of Nelnet. XXXX XXXX number provided as shown in the creditor box, As well as my own social in the debtors box. All necessary requirements as for any other Copy B form one would receive from a creditor. It'd be a wise decision to even call the IRS yourself when this 1099C Form was submitted for acceptance to further prove its validity. I ask again, what exactly have you come to deduce that makes this document fraudulent? If no evidence is provided then I respectfully ask to make the following reflection for the 1099C Copy B student loan nelnet account E951999315. With the 1099-C IRS form Copy B total amount forgiven and discharged of {$13000.00}. If this escalates into further conflict and your avoidance ultimately leading to alleged tax law violations. I'll have no other choice but to inform the IRS upon these violations you are commiting via filing a 3949A, or Information Referral immediately for these alleged income tax violations committed by you and Nelnet.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to experian Credit bureau and they directed me to loans for mortgage, I looked at them but did not apply. This information I believe with Lenders is provided and they take that opportunity to try to make an application for the person looking at it. 

XXXX XXXX actually sent me my fico score and then turn down as if I applied. 
I would have never applied as I am searching for a refiance and am talking over the phone with companies without opening up credit. 

this is a gimmick Experian is using to sell to these Lenders to force lead generation without our permission. 

this is happening over and over again and I am going to file a legal complaint against their misuse of my credit.
Product: Credit reporting

I have reported this account with creditor and credit reporting agencies but this account is still showing " Late 30 Day '' XXXX 2014. I have contacted XXXX because I made large payment XXXX and XXXX payment in XXXX which were suppose to cover XXXX. I was even told by representative that they will not report negative information for that month because clearly she could see that I made XXXX payments on XXXX different dates and how I would have thought It was being applied for XXXX also. I have been promised by this company that they will investigate and pull recordings and no return calls. instead I had to call to find out they have record of me calling, but someone all these calls are not recorded. I was treated by most at XXXX XXXX Bank so horrible that I closed my secured credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has opened an account using my information to report misleading and inaccurate information on my credit report. I never entered into any contract or signed any documents or made any agreements with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission to. They should be shut down. They are taking advantage of XXXX VETERANS like myself. They are adding stress to my life and is making it impossible for me to obtain credit. I have only few weeks to purchase a home but XXXX is making impossible by reporting misleading and inaccurate information or my credit report. Please remove this fraudulent information from each credit bureau XXXX, Equifax, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please read Equifax has some kinda of block on my credit file. 

I can sign in to equifax trustedID however my credit report does not display and I can not lock my credit file. when i call the customer service number I am told I do not have a credit file. 

Trusted ID worked for me only on 1 day XXXX/XXXX/2017 and one day only. 

After that equifax placed some kinda of block preventing my credit report from displaying. 

I can not lock my credit file thru trusted id. I get an error. 

See attached.
Product: Mortgage

I reached out to Freedom Mortgage to inquire about different lines of credit that I could obtain in order to renovate my property. Representative XXXX XXXX convinced me that what I was looking for was a Cash Out Loan. As we began the process, he explained that I could cancel at any time before close without charge. After hours of going back and forth and sending paperwork, etc- we got to the very end of the approval process where I needed to sign in order to start the official closing process. Towards the end of providing signatures, XXXX QUICKLY explained away the {$1000.00} Rate Lock Fee page stating that it was in case I cancel during the close process, the fee was for the work that was done by the loan reps. Again, at that point we had been back and forth for hours and I was confused because he originally said that there was no charge to go through the approval or closing process. If they provide you with the recordings, you will hear the discrepancies. 

As soon as I hung up the phone, I reached out to my husband who explained that I was wrongly advised and that what we were looking for was a HELOC not a Cash Out Loan. Within 5 min I called XXXX for him to cancel the process. In the attached documents you will see in yellow highlight/comments that once I completed the signatures, I got off the phone with XXXX around XXXX. I then called him back and emailed him at XXXX to stop the process. 

He took 20 minutes to respond and said that he already ran my card, but that it was likely he could get it back since we were so early in the process. Again, it was my understanding that a rate lock fee is charged only for when the loan team does WORK. Nothing was done because I cancelled within 5 min. 

XXXX XXXX and his manager gave me the run around for 2 weeks and he said that his manager called, but I NEVER received a call from his manager. Having been a loyal paying customer, I feel bamboozled and misled. And I don't feel like they even attempted to get me a refund and the $ XXXX was for what he felt was HIS inconvenience. I never heard back from them in regard to the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3700.00}, {$7800.00}, {$5000.00}, {$0.00}, {$1000.00}, {$13000.00}, {$7800.00}, {$6000.00}, {$7700.00}, {$1600.00}, {$6900.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7800.00} -This is not my account. 

8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

10. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

11. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6900.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I have previously disputed these charges directly with the credit bureausXXXX  XXXX, and Experianas well as with your offices, supplying all necessary documentation to support my claims. These charges are not only fraudulent but have also been reported inaccurately. It is now almost a year since my initial dispute, and despite my efforts, there has been no satisfactory resolution. 

The failure of the XXXX credit bureaus and Experian Rental Bureau to conduct a thorough and complete investigation, and of the furnisher and your company to respond to my dispute inquiries, is not only frustrating but is e a violation of the FCRA, which mandates that all disputable information be investigated and verified accurately. 

This unresolved matter has adversely affected my ability to secure housing and is damaging my credit standing undeservedly. Given the gravity of this issue and its impact on my life, I am compelled to escalate this matter to higher authorities, including the FTC and Consumer Affairs, and have already filed a complaint with the Fair Housing Authority Authority regarding the illegal reporting of money judgements without a valid court order money judgement. 

The account and associated fees reported are without merit and inaccurately reflect my financial transactions with XXXX XXXX located in XXXX Michigan and XXXX aka XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently contacted experian and alerted them that I had been a victim of identity theft. The rep stated that he could see the alert had been placed on my profile. I advised him that I would like my info updated as well as to dispute several items that I had no knowledge of!! I just received the results of the dispute and nothing was deleted, just updated EVEN THOUGH IT ISNT MINE!!!!!!!! XXXX nor XXXX didnt give me any problems when correcting my information! When experian is the one that breached my information to begin with!!!!
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN refuses to acknowledge that the XXXX XXXX XXXX XXXX account attached to my credit profile belong to another persons bankruptcy. 

This account does not belong on my credit report. 
This same account was disputed with XXXX due to the fact this account is on my family members bankruptcy and was deleted immediately. Experian should follow suit due to this information hindering my credit score. 

FCRA 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) ( A ) Reporting information with actual knowledge of errors 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 or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XX/XX/year> 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
Product: Credit reporting

I have notified Experian on many different occasions that the following addresses do not or have never belonged to me. Please remove the following addresses from my credit file : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX
Product: Debt collection

On XX/XX/XXXX I wrote a letter to Americollect Inc stating that they are reporting on my credit report a debt that I do not owe. They sent me back a letter stating that the debt was mine with no evidence proving it was mine. The company stated they can't update my records reflecting that I do not owe this company.
Product: Debt collection

Dear CAPITAL ONE / Sir/Madam, I am writing to formally dispute the charge-off balance of {$1400.00} associated with an account that is being inaccurately reported under my name. I must emphasize that this is not my account ; it is fraudulent. I have no knowledge of this account and have never entered into any contractual obligations with your company or the original creditor. 

The reporting of this account as mine violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this matter promptly and expeditiously, I am requesting the following documentation : Evidence of Authorization : Provide evidence under 15 USC 1692e and 1692f that you are authorized to handle this matter.

Legal Basis : Clarify the legal basis for the collection of this debt. 
State Authorization : Proof of your authorization to operate in my state. 
Proof of Debt : Submit evidence of the alleged debt, including any contracts or agreements bearing my signature.

Complete Account History : Provide a complete account history, including all charges related to collections. 
I am also filing a formal complaint due to the violations of my consumer rights under the FCRA and FDCPA. In accordance with 15 U.S.C. 602 ( a ), I demand the immediate cessation of all communication and collection activities related to this account. Furthermore, per 15 U.S.C. 604 ( a ) ( 2 ), no account can be furnished to credit reporting agencies without my explicit written consent.

Your actions have infringed upon my rights under the following sections of the FDCPA : 1692d : Harassment or abuse in connection with debt collection.

1692e : Use of false, deceptive, or misleading representations.

1692g ( b ) : Failure to properly disclose my rights.

1692f : Use of unfair or unconscionable means to collect a debt.

Given the fraudulent nature of this account, I demand the immediate deletion of this disputed account from all credit reporting agencies. Your prompt attention to this matter is appreciated, and failure to comply may result in further legal action to protect my rights and interests.

In a good faith effort to resolve this matter amicably, I insist that you provide proof of this debt, specifically the alleged contract or any instrument bearing my signature, as well as proof of your authority in this matter. In the absence of such proof, you are required to delete any erroneous reports of this debt from all three major credit bureaus immediately. 

Thank you for your attention to this urgent matter. 

Sincerely, XXXX.
Product: Debt collection

I tried to contact this collection company, in reference to Resurgent Capital Services asking them to send Verifiable Proof ( Original Consumer Contract with my signature on it ) stating the debt of {$820.00} is mine from XXXX XXXX XXXX. They have failed to verify this account which has hurt my ability to obtain credit. This collection company has sent several collection letters but no sign agreement. This acct doesn't belong to me. Under the FCRA, unvertified accounts must be deleted if the company is unable to provide me a copy of vertifiable proof and this company is refusing to do so. Please assist in having this account removed from my XXXX, XXXX and XXXX report permantently.
Product: Credit reporting or other personal consumer reports

On or about XXXX/XXXX/23, I was sent an email by XXXX XXXX XXXX requiring me to have a waiver by obtaining a public notary for income information which included three months of a bank statement along with a waiver for me for some undisclosed IRS documents. I informed the rep at that time that I had no intent with complying with that request because it is my belief that it is unconstitutional that a private credit card company could make me do something that the IRS does not require. On or about XXXX/XXXX/23, I called XXXX and I talked to XXXX. I asked XXXX why was I picked out for an income verification. XXXX could not explain why, and I asked to speak to a supervisor. XXXX, who identified herself as supervisor, come to the phone, and said the exact opposite of what XXXX has stated. XXXX stated emphatically that this was not an income verification, but rather an identity verification. I told her " I was not required by law to file a income tax statement that the Internal Revenue Service did not require me to file. '' In fact, the Social Security Administration says that I can use the figure they assign for all types of loans. I told her I was willing to provide this federal documentation. That I have a valid US passport, a valid Illinois driver 's license, and a valid Illinois state ID, and I would gladly provide that information if she would provide me a reasonable way to provide this. On or about XXXX/XXXX/23, I was told that this issue would be resolved. I was given specific dates. I was suppose to get a call XX/XX/23 before XXXX XXXX. I was supposed to receive a call on XX/XX/23 before XXXX XXXX  as well. I did not get a call. I talked to a XXXX XXXX, and I let him know that we were coming up on XXXX/XXXX/23, and I wasn't going to comply with signing an IRS document, getting a notary affidavit, or providing three months of notarized bank statements. I wanted to know what the internal process was of being to resolve this issue since it has been from XXXX to XX/XX/XXXX to resolve it. I informed XXXX XXXX that I think this is discriminatory and arbitrary, and had no reasonable system for the consumer to resolve the issue with the credit card company. Moreover, if the problem was truly identity verification why were there no procedures in place for the consumer either by email, snail mail, or fax to provide the requisite identity information. I think this is an attempt by XXXX XXXX and XXXX to either purge/interfere/or manipulate the customer 's of a rival, in this case Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  accounts # XXXXXXXX XXXX XXXX XXXX XXXX have violated my rights.

15 U.S.C 1681 Section 602 A states I have the right to privacy.

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

15 U.S.C 166B A creditor may not treat a payment on an account under an open end consumer credit plan as late for any reason.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF ID THEFT THESE TWO ACCOUNTS HAS BEEN REPORTED TO FTC AND NEED TO BE REMOVED FROM CREDIT REPORT ( XXXX XXXXXXXX XXXX XXXXXXXX Account number XXXX .... 
Recent balance Not reported Date opened XXXXXXXX XXXX XXXX XXXX Account number XXXX XXXX 
Recent balance Not reported Date opened XX/XX/year>
Product: Credit card

Per my last complaint with Lowe 's credit card Synchrony Bank, I was told I would be refunded the {$560.00} the next billing cycle. Well, it's the next billing cycle and I have not been refunded. 

Can you please reach out to Lowe 's as I have tried calling Lowe 's and corporate office with no response. 


XXXX
Product: Credit reporting

I was reviewing my Transunion Credit Report and I confirmed that Transunion is still reporting my XXXX XXXX account still to be open. I paid this account in full 2 months ago and this is account is reflecting correctly on XXXX & XXXX as paid in full ( {$2100.00} - Never any late payments ). The dereliction of duty of Transunion to be reporting factual information on my Transunion Report is causing a negative impact on my credit worthiness and credit score and is a direct violation of the Fair Care Reporting Act.
Product: Mortgage

The problem is with NewRez C/O XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, NJ XXXX on my account no. XXXX, their case # XXXX. My name is XXXX XXXX. I sold my home on XX/XX/XXXX XXXX the mortgage is paid in full ) and at closing I had to pay Real Estate Taxes in the amount of {$3900.00}. NewRez had also paid the same amount to XXXX XXXX in XXXX NC, and as such, the payment was duplicated. I had contacted the XXXX XXXX XXXX XXXX and they had informed me that they had returned {$3900.00} in XXXX of XXXX to New Rez. Therefore, NewRez owes me {$3900.00} as a refund of my duplicate escrow tax payment. I had initiated the inquiry to NewRez on XX/XX/XXXX and the matter never got resolved. I then wrote a letter to their CEO, Mr. XXXX XXXX on XX/XX/XXXX complaining about the lack of response on my refund. They send me a letter on XX/XX/XXXX acknowledging that I was due my refund but to date my refund has not been received.I am tired of waiting on them for my refund. To me this should have been resolved a long time ago. Why should I have to wait 6 months for this to be resolved?
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped 113 points in one day. I have called several times to ask why and they refuse to answer me. I clicked on the see why is changed button and it said no changes found. I am trying to buy a house and this is killing my TransUnion score.
Product: Debt collection

Received a voicemail threatening to arrest me. XXXX contact with an individual who said he was an attorney in New York. He said he would sue me for not paying a debt. He called me names and used vulgar and threatening language. I have never heard of the company that he claimed the debt was owed to.
Product: Credit reporting or other personal consumer reports

I have 2 hard inquiries about XXXX XXXX XXXX XXXX on my file and the credit bureaus are telling me they cant be removed because I have to contact them directly. So when I contact them directly I get the run around they tell me to contact the credit bureaus and 15 usc 1681 tells us that anyone who fails to comply with any requirement imposed under that certain sub chapter is liable to the consumer and my credit and living has been affected its inaccurate and it states I could get from {$100.00} - {$1000.00} for false pretenses.