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

I have fraudulent accounts on my credit report, which I reported to COMENITY BANK, yet XXXX XXXX is not removing this fraudulent account. COMENITY BANK has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet COMENITY BANK has refused to do this. The following is the fraudulent account : COMENITYBANK/VICTORIA  XXXX XXXXXXXX and COMENITYCB/ULTA / XXXX which was open at an address which I have never lived at and it has nothing to do with me.
Product: Checking or savings account

I maintain a lockbox account with Illinois Bank and trust. There were unauthorized withdrawals from my account totaling {$100000.00} in the month of XXXX. I contacted the bank and filed a formal complaint with them regarding this. They have delayed any type of response for these unauthorized charges. Ive reached out several times asking for resolution and answers, and Ive been told that they need additional time. After several months, I deserve a response. I miss small business owner and physician who has been taken advantage of and unfortunately will likely have to be terminating employees due to cash flow issues secondary to these unauthorized withdrawals.
Product: Debt collection

Original creditor was XXXX. I couldnt keep up with the loan payments and defaulted on the loan which led to the vehicle being repossessed on XX/XX/year>. Approximately one year after the repo I received a notice from AZ Attorney General advising me of a lawsuit against XXXX for unfair loan practices and horrific predatory lending practices. Long story short, XXXX forgave the delinquent balance, I received a restitution check from XXXX. Prior to receiving the notice from the Attorney General office, XXXX sold this debt to NCB Management. NCB Management is showing this as an OPEN debt, the originator creditor XXXX forgave the loan and NCB Management needs to update my report to show this debt as closed and be removed from my credit show just as XXXX did. Thank you for your assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report information regarding my federal student loans is incorrect. My federal student loan debt is misrepresented on my credit report with Experian, XXXX and XXXX. Initially I had 4 student loans prior to consolidation, in the amounts of XXXX, XXXX, XXXX and XXXX that were being serviced by Dept of EDXXXX XXXX My current loan servicer is XXXX with a balance of XXXX XXXX after consolidation and transfer from XXXX thus zeroing out these amounts with XXXX. 
My XXXX report currently shows my correct balance of XXXX with XXXX in addition to an extra XXXX and the XXXX under XXXX that was consolidated and transferred to XXXX. This makes my student debt total with XXXX XXXX when it should only be XXXX XXXX and the XXXX balance should be XXXX. 
My XXXX report shows the correct XXXX amount of XXXX and an XXXX balance of XXXX for a student debt total of XXXX when the XXXX balance is XXXX and the XXXX balance should be XXXX. 
My Experian report currently shows XXXX with a balance of XXXX and XXXX balances of XXXX, XXXX, XXXX for a total student debt of XXXX, XXXX. The correct information is XXXX XXXX, XXXX and XXXX balances are XXXX. 

My attempts to correct these discrepancies began in XX/XX/2022 with Dispute Report # XXXX. Experian reports investigating and resolving the matter and sent me their results on XX/XX/2022 with the only change made was the date of balance update to the same incorrect balances. I filed another dispute ( Report XXXX  XXXX ) explaining the issue on the website and by phone on XX/XX/2022 describing the discrepancies that the representative reported that she entered into the system a statement describing the problem and reason for the dispute after the supposed resolution of the first. The results of this dispute were received on XX/XX/2022 with no change and a combined balance of {$71000.00} in student debt on my credit report and the correct amount should be {$35000.00}. This significantly increases my debt to income ratio. Another dispute was filed by phone and on the website following the procedure required by Experian, Report # XXXX, on XX/XX/2022 for the same issue after calling both XXXX and DEPT OF ED XXXX to confirm the current balances and what would be reported to the credit agency should they call. Both XXXX and XXXX reported the same information that I have relayed here. XXXX reports that my loans have been transferred from them to XXXX and are closed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Subject : Dispute of Charge-Off on Credit Report Lack of Form 1099-C To Whom It May Concern : I am writing to dispute the information reported on my credit report related to a charge-off account with [ Creditors Name ]. I have reviewed my credit report and found that the charge-off account, [ Account Number ], is inaccurately reported.

According to the Fair Credit Reporting Act ( FCRA ) and IRS guidelines, a creditor is required to issue a Form 1099-C for any canceled debt of {$600.00} or more. I have not received a Form 1099-C from [ Creditors Name ] for the charge-off account in question. The failure to issue this form suggests that the debt may not have been properly canceled, and therefore, the charge-off may not be valid. 

Additionally, the lack of a 1099-C may indicate non-compliance with federal regulations, and it could imply that the debt is still legally collectible, contradicting the charge-off status reported to you.

I am requesting that the charge-off be thoroughly investigated and removed from my credit report if it can not be substantiated with proper documentation, including the issuance of a Form 1099-C. Please verify this information with the creditor and correct the inaccurate information on my credit report.

In accordance with the FCRA, I request that you : 1. Investigate the disputed information with the creditor.

2. Remove or delete the inaccurate information on my credit report.

3. Provide me with an updated copy of my credit report once the investigation is complete. 

Enclosed, please find a copy of my credit report with the disputed account highlighted, as well as a copy of my identification for verification purposes. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX Enclosures : Copy of credit report with disputed account highlighted XXXX XXXX XXXX XXXX XXXX XXXX-ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX ( XXXX ) XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Copy of identification
Product: Mortgage

MR COOPER Payoff wire to Mr. Cooper XXXX {$320000.00} - The amount sent was mistakenly a typo error and should have been for $ XXXX short by {$9000.00} from the title company. 

On XX/XX/XXXX a representative from Mr. Cooper contacted XXXX XXXX XXXX regarding the {$9000.00} shortage, this was confirmed and XXXX XXXX XXXX immediately sent a second - Payoff wire {$9000.00} to Mr. Cooper XXXX XXXX. The second wire referenced the loan number and all information used for the wire on XXXX. 

By conversation with a representative from Mr. Cooper we understand the remaining funds in our escrow account over {$9000.00} were used to close the account. The {$9000.00} wire was never applied to our account. As of today XX/XX/XXXX, {$9000.00} sent to Mr. Cooper on XXXX is still unaccounted for. XXXX XXXX nor XXXX XXXX XXXX has not received back the {$9000.00} sent on XX/XX/XXXX. 
We have called Mr. Cooper several times and filed a dispute with them to help to locate these funds and return them to either XXXX XXXX XXXX or to send to us as they are due to us immediately. We are owed our escrow funds back of {$9000.00} and still the no response.
Product: Debt collection

I got this information from XXXX  regarding zenresolve. The problem is with my bank account. My checking account was closed on XX/XX/2020. My money wasn't deposited into my new checking account in time. So I was unable to make my payment. I will just pay the {$1000.00} of what I borrowed when I get my stimulus check and my money deposited into my new checking account. But I will not be paying any interest.
Product: Credit reporting or other personal consumer reports

i was outside of united state and i was a victim of identity theft the account opened XX/XX/XXXX and was close on XX/XX/XXXX XXXX
Product: Checking or savings account

Multiple transactions were made on my card my card was stolen and used {$390.00} capital one is refusing to return my money they keep saying XXXX business days then when the XXXX business days comes and gos they say another XXXX business days I need my money my power is off and I have XXXX child In my home and I need my money returned to me!
Product: Credit reporting 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 be investigated and corrected from erroneous reporting in my file are listed on my credit report 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It was revealed in my credit report that inquiries are made that I did not authorize, as well as some accounts I wasn't aware of. I would like these accounts immediately remove from my XXXX, XXXX, TransUnion credit reports : In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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.
Product: Debt collection

On XX/XX/XXXX XXXX I asked them to send me verifiable proof they refused also they would not respond I since sent out 6 letters with no response. I ask them to delete the item from my credit profile, and they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with KOHLS/CAPONE, XXXX  XXXX, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and KOHLS/CAPONE, XXXX   XXXX, and XXXX XXXX  with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

The following accounts are fraudulent accounts which were NOT initiated be me. These accounts were initiated on the dates listed in a fraudulent manner. I am requesting that the following inquiries be REMOVED from my credit reports : XXXX XXXX, date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX date XXXX XXXX XXXX XXXX date XXXX XXXX XXXX / XXXX XXXX date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX. Date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX XXXX XXXX date XX/XX/XXXX XXXX XXXX  date XX/XX/XXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX XXXX XXXX. Date XX/XX/XXXX XXXX. Date XX/XX/XXXXXXXX XXXX XXXX. Date XX/XX/XXXX XXXX Date XX/XX/XXXX XXXX XXXX. Date ( No date listed ) XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXXXXXX XXXX. Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXXXXXX XXXX  Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX. Date XX/XX/XXXX XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXXXXXX XXXX date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXXXXXX XXXX  Date XX/XX/XXXX XXXX XXXX. Date XX/XX/XXXX XXXX. Date XX/XX/XXXX
Product: Debt collection

I have received multiple calls from phone number XXXX A revrese lookup said theyare Receivables performance management located in XXXX va. They are looking for someone named XXXX XXXX. I have told them i dont know who she is but they keep calling me asking fer her hanging up etc. Once person went so far as to say well records show you have the same address. She was most likely the person that was renting here before me. I dont know how they got my number they just need to stop calling me.
Product: Student loan

I have contacted Wells Fargo several times due to a recent financial setback due to health issues and asked for a forbearance in order to catch up and continue making payments. However, each time they say that I am not eligible because I need to make XXXX full payments first. That is the problem I am unable to make my payments. After trying to get a reduction in payment or forbearance and being denied each time. I had no option but to stop making payments. They are now harassing me daily and asking when I can pay and to speak to there loan resolution department and each time I tell the rep that I have and they ca n't help me.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
AMEX XXXX XXXX {$3600.00}
Product: Student loan

I have been on 8 separate phone calls with Different EdFinancial customer service people and have been trying for over 3 weeks to paid the unpaid accrued interest on two loans. First o tried with using my credit card, they told me they only accept debt. 
I moved the funds to my checking and called back. Then I was told they need my banking information and I gave that, which they did not entry correctly and funds were trying to be removed from my saving. This processes happened twice, each time with me calling back. This last time over the phone I removed all banking info from my online account which they had placed two different accounts, one checking and one saving. I removed all the info and re-entered banking info myself. While on the phone the customer service person told me the payment I have been trying to apply to the unpaid accrued instead did not get allocated correctly and now I have a call back request in for a second time to speak with a supervisor and the customer service person told me they are having issue with the allocation on loans and IT is aware of the problem. He put in a request for accounting to fix the allocation issue. 
So at this point I have no confidence in EdFinancial in handling payments on student loans.
Product: Credit reporting or other personal consumer reports

There is a loan on my credit report that was financed with Ally. The account is now charged off. I have been told by my CPA that should have received a 1099. He also stated that if they can not provide the 1099 then it should be removed from my credit report.

Thanks for any assistance you can provide.
Product: Debt collection

I keep receiving calls from random numbers, all of which hang up shortly after I answer them. Not a single one has actually spoken to me or identified themselves. The calls come from many area codes set up across many states. When I call any of them back the group is identified as PNB Capitol Group LLC.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have disputed multiple times information that has already been removed from XXXX. 
These are not my accounts. 

XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 
They havent provided any sort of documentation holding me to these accounts. 
Im requesting my written signature on any contract tying me to any of these debts. 

XXXX/Equifax refuses to cooperate and respond timely. 
Its ridiculous.
Product: Student loan

On XX/XX/2016, I completed the rehabilitation process of my student loan with XXXX. Rather promptly, XXXX deleted their default tradelines from all of my credit reports as agreed. XX/XX/XXXX, I received correspondence from XXXX ( Sallie Mae ) that my loan was assigned back to them after rehabilitation. This correspondence was dated, XX/XX/2016. I took this as the start of the 30 day clock of notification that my student loan had been rehabilitated and to remove their default status per 34 CFR 682.405 ( b ) ( 3 ) ( ii ). 
On XX/XX/2016, I disputed the Sallie Mae tradelines with XXXX and XXXX. The tradeline was updated on both credit reports ( not sure what was changed ) however the default status persisted. In addition to that, on XXXX a new tradeline was added with the same account number, under the XXXX name with the default status also and tanking my scores! I have since disputed that tradeline which the investigation is ongoing as of today. 
On XXXX, I disputed the Sallie Mae default tradeline on XX/XX/2016. The investigation completed on XX/XX/2016 with an updated status. Like the other XXXX credit reports, the default status remained and is present today. 

The above clearly shows Sallie Mae/XXXX to not only be negligent as the lawsuit filed by the CPFB alleges but also willfully non-compliant.
Product: Credit card or prepaid card

When I would view my credit card statement online, it would show that if I paid a certain amount how much the credit would cost me and how long it would take me to pay it off. 

I am an online statement customer. 

I logged into my Discover credit card on XX/XX/XXXX and looked at my statement to find that information and it was no longer there. It used to show that information. 

From research, I found that there was a law initiated in XX/XX/XXXX, that this information is suppose to be available to consumers.

I was looking for this information as I was thinking about taking out a loan at a lower rate than the Discover card and without that information, I am unable to move forward. 

The first agent I initiated chat with online stated that it is on the paper statement. Again, I get my statement electronically and again, it used to be available until they updated their website. The site is user friendly and pretty, but if it doesn't have the information I need ; what good is it? 

Please advise if this law is still in effect and if it is ; how do I make Discover accountable. 

Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive requested the three bureaus spell and hyphenate my name correctly and remove all variables that are said to be incorrect and they refusedmy name is XXXX XXXX XXXX and NOT XXXX XXXX XXXX
Product: Vehicle loan or lease

Carmax Finance is charging {$11.00} per day finance fees. My payments are rejected. Money is just sitting in my account.

Payment dates are shuffled around.

I don't know if it's a digital error.

They gave me 14.5 % APR so my interest alone is XXXX XXXX.

I have paid XXXX on the car and it reflects that I owe the same as purchase. I owe XXXX XXXX today for late fees. Which are criminal and they aren't even allowing me to return the car. So I don't know what to do.
Product: Debt collection

See attached letter from Chase that I red lined. I stated over phone in XXXX that all charges were fraudulent when my card was stolen. Yes I found out who thief was as stated on the sheriff 's report on XX/XX/XXXX. I stated I do not know who she purchased items for. I remember being asked and I felt the question was ludicrous. I never received XXXX XXXX of anything after card was stolen. A CIVIL MATTER??! Who determined this to be a civil matter?? It wasn't me. I filed a sheriff 's report on this person on XX/XX/XXXX. I left a message for XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My credit report has been shared and pulled without my authorization and I have not benefited from such inquiries. Wrong addresses, employment and information retaining loans are incorrect and false representation of me. I have reached out to Experian on several occasions, stated my laws and rights according to FCRA and my requests have yet to be fulfilled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already sent a validation of debt and creditor letter to these accounts which are violating my federally protected consumer rights. XXXX XXXX [ TransUnion and XXXX XXXX, XXXX XXXXXXXX XXXX XXXX [ TransUnion and XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ TransUnion and XXXX ] XXXX XXXX XXXX, XXXX XXXX XXXXXXXX. Under the Fair Credit Reporting Act and HIPAA Privacy Rule, these accounts listed above have violated my rights. According to 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. 
Especially this account XXXX XXXX it is inaccurate and appears multiple times in my account.
Product: Debt collection

I have an account from XXXX XXXX reporting on my credit report for a cell phone from sprint that I have never had. I have sent this company a cease and desist letter regarding this account because I am a victim of identity theft and they still accessed my report and reported the fraudulent account anyway. I requested them to provide me with a XXXX and a validation letter for this account and instead the reported on my credit report. 
I am a victim of identity theft and I am also a victim of the XXXX data breach and would like them to remove this fraudulent account off my credit report. 
15 US code 1681c a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted in an alleged identity theft not later than 4 business days after the date of receipt. Please delete IMMEDIATELY.