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

Dear CFPB Representative, I am writing to request an urgent investigation into multiple companies listed on my TransUnion credit report, which appear to be engaging in fraudulent practices. Specifically, these companies have reported accounts as charged off as bad debt on my credit report but have failed to issue IRS Form 1099-C for the canceled debt, as required under federal law for debts exceeding {$600.00}. Additionally, these actions may constitute violations of 15 U.S.C. 1692g, and 18 U.S.C. 1028A.

The companies in question, as listed on my TransUnion credit report, include but are not limited to : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to Issue IRS Form 1099-C : These companies have written off debts as charged off or as profit and loss write-offs in their books but have not issued 1099-C forms to me, nor reported these cancellations to the IRS. This failure to meet federal reporting obligations creates a misleading representation of their financial activities and raises concerns of potential tax fraud. 

Violations of 15 U.S.C. 1692g : Under the Fair Debt Collection Practices Act ( FDCPA ), consumers are entitled to proper validation of debts. These companies have failed to provide the required validation and verification of the debts they report. Their lack of compliance leaves me with unverifiable and likely inaccurate accounts on my credit report.

Potential Violation of 18 U.S.C. 1028A ( Aggravated Identity Theft ) : Reporting inaccurate or fraudulent information and failing to issue proper documentation, such as 1099-C forms, undermines my ability to verify these debts. This could be construed as an abuse of personal information or even identity theft under federal law. Their actions have inflicted harm on my financial standing and exposed me to potential legal and tax consequences. 

I have also filed IRS Form 3949-A to report these companies for suspected tax fraud and abuse related to their failure to issue 1099-C forms for canceled debts. However, I believe the CFPBs intervention is necessary to address their broader practices of noncompliance and potential fraud.

Requested Actions : Investigate these companies failure to comply with the requirements of 15 U.S.C. 1692g and other federal laws, including their obligations under the Fair Credit Reporting Act ( FCRA ).

Investigate the potential tax fraud stemming from their failure to issue IRS Form 1099-C for debts they have canceled.

Hold these companies accountable for the harm caused to consumers and take appropriate enforcement actions.

I have attached a copy of my TransUnion credit report and additional documentation for your review. I am available to provide further details or evidence as needed. 

Thank you for your attention to this matter. I trust the CFPB will take the necessary steps to protect consumers and ensure these companies comply with federal laws.
Product: Debt collection

Cash central XXXX XXXX called me to collect a payment I defaulted on. I called company to take the payment out would not help he said I defaulted so now someone else was taking over my account transferred me asked the person for a payment arrangement of XXXX a month laughed at me and said it would take 5 years to pay this off. Very rude said that was n't enough and they ca n't help and would prosecute. I have to idea who this company is and sounds like they have doubled what i originally owe. They call and harass me on my phone fron New York XXXX both companies are very rude and ridicule you. Tried to make payment arrangement by me calling them but wo n't accept XXXX a month and that 's all I can afford.
Product: Mortgage

In XXXX of XXXX I returned from a hike with XXXX XXXX. I went to my primary care doctor to get examined. He was unable to realize any immediate problem but wanted me to go to a XXXX  and ultimately the hospital for additional examinations. During an XXXX, it was discovered that I needed and immediate XXXX XXXX and on XX/XX/XXXX I had the XXXX XXXX XXXX. 
I fell behind on my mortgage payments as I could not work and was able to secure a loan modification from Nationstar Mortgage ( now Mr. Cooper ) in early XXXX. My recovery took much longer than expected and I fell behind on my mortgage payments again but was able to borrow enough money to make the payments up ( reinstatement of the loan, {$45000.00} ) in XXXX. 
Still unable to work I fell behind again and have filed numerous loan modifications over the last 18 months all with the same result ; they will not modify my loan as the payment will go up. I have continually stated " I will accept a higher payment as I can now afford it as I am working full time now. '' Mr. Cooper always says NO! I have secured the help of a HUD Counselor to see if he can get Mr. Cooper to agree to the higher payment ( just a few dollars more a month ) or allow me to make the payments I am behind by paying the mortgage plus 50 % ( I am {$23000.00} behind ) and of course they say NO! 
I have a loan modification in their hands now as directed by the HUD counselor and they served me with a Notice of Default on XX/XX/XXXX while in loan modification and while negotiating with the HUD counselor on my behalf. It seems their only interest and motivation is in getting my $ XXXX cash equity in my home. 
The actions by Mr. Cooper are very unfair as you have a person that wants to stay in his home of 15 years and wants to pay a higher modified mortgage payment or wants to pay the mortgage payment plus 50 % to make up the past payments but they say NO! It makes no sense! Please help me!
Product: Payday loan, title loan, personal loan, or advance loan

On Sunday, XX/XX/year> I signed up for Beem, a payday cash advance app, expecting to receive a {$20.00} cash advance as I was prequalified for this amount in the app. After paying a non-refundable subscription fee of {$5.00}, I was informed that I only qualified for {$10.00}, which was misleading. Additionally, the funds were not immediately available even after paying the subscription fee. Charging {$5.00} to borrow {$10.00} is excessive and abusive, preying on people who are desperate to make ends meet.

Beem positions itself as a payday cash advance service and appears as the # 5 result when searching for " payday cash advance '' in the XXXX XXXX XXXX. While {$5.00} might seem small, it is a huge burden when youre trying to make it to payday. This caused significant financial hardship and stress, making it difficult to eat and get through the week. Despite canceling my subscription immediately due to the inability to access the promised advance, Beem refused to refund the fee. I believe I have been unfairly charged for a service that did not deliver as advertised.
Product: Credit reporting or other personal consumer reports

TransUnion is reporting inaccurate and non-mailable addresses on my report, I only have one address not multiple addresses this violates my privacy and accuracy credit reporting rights
Product: Debt collection

Transunion claims to have verified these fraudulent late payments. I've never missed a payment on any of my accounts. Please show me how you verified these accounts.

15 U.S.Code 1637 ( b ) ( 2 ) ( A ) is a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done a creditor/collector can not report late payments. The creditors/collectors did not provide the documentary evidence as requested in to be eligible to report late payments without meeting the requirements under 15 U.S.Code 1637 ( b ), which is a violation of 15 U.S.Code 1666b
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE THIS UNCONFIRMED INQUIRY LACKING CERTIFIABLE EVIDENCE UNLESS PHYSICALLY CERTIFIED VERTIFIED PROOF IS DEMOSTRATED PER U.S. CODE 15 U.SC 1681 ET SEQ. SECTION 604 OF FAIR CREDIT REPORTING ACT. ONCE YOU HAVE FULFILLED MY REQUEST, MAIL ME AN UPDATED CREDIT REPORT REFLECTING THESE CHANGES! 


I AM SHOWING 5 INQUIRIES I DID NOT APPROVE, MY ACCOUNT IS SUPPOSE TO BE FROZEN TO AVOID FRAUD, HOW IS THIS STILL EVEN CATCHING INQUIRIES? 

HARD INQUIRY NAME - XXXX DATE XXXX HARD INQUIRY NAME - XXXX DATE - XX/XX/2022 HARD INQUIRY NAME - XXXXXXXX XXXX XXXXXXXX DATE - XX/XX/2022 HARD INQUIRY NAME - XXXX XXXX XXXX DATE XXXX HARD INQUIRY NAME - XXXX XXXX XXXX  DATE XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
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 or other personal consumer reports

Rushmore has not answered my original question. XXXX shows the mortgage with XXXX as closed. However, I am being billed for a XXXX XXXX  that was closed according to XXXX in 2015. I have attached all documents provided by Rushmore. Please investigate this company is dealing in bad faith.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/1975 ss # XXXX  In accordance with the Fair Credit Reporting Act I have the right to have all inaccurate or unverifiable accounts removed from Credit bureau. 
Also, In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681 XXXXXXXX XXXX XXXXXXXX Recently I was analyzing my credit report and noticed some irregularities on some of my accounts. I have contacted the Bureaus verbally and filed a simple dispute to verify theses accounts. Please reinvestigate these accounts. In Accordance with the ( FCRA ) FAIR CREDIT REPORTING ACT I have a right to accurate reporting and some these accounts are not accurate at all. I ask that you remove these accounts immediately.
Product: Debt collection

There is a debt from XXXX being collected from Syndicated Office Systems on my XXXX credit report that I 'm not responsible for. I am a VA XXXX Veteran who has 100 % Medical from the VA Hospital. It is the VA Hospital responsibility to pay all medical bills from other medical facilities.
Product: Vehicle loan or lease

I made extra payments on my car loan to go towards principle. XX/XX/XXXX I made a principle only payment of XXXX, XXXX I made an additional principle payment of {$500.00}, XX/XX/XXXX I made an additional payment of {$500.00}. I called into reliable credit to ask that these payments be applied correctly and to not advance my payment date to which they told me I was making principle only payments. I explained that I did not want it to be advanced and that they were just paying future payments instead of principle only therfore causing me to pay the interest that I have not accused. I made a complaint with XXXX where their response states that they can apply payments however they see fit. This is deceptive and unfair. In their response they did say that I can bring in checks or money orders and those could be applied to future payments, which I will do going forward. However they have miss applied XXXX dollars and refuse to fix the issue.
Product: Debt collection

I do not understand why they have place this collection on my credit report. these items were not to be reported to my credit because they were paid in full of my settlement. XXXX XXXX XXXX XXXX  account XXXX report these 6 items of collection on these items are mis reporting and are wrong and I want these items to be removed from my credit report. They never contacted me and they should have reach out to my attorney or myself they are wrongfully reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20 was declined for a minimal amount of credit approval by Synchrony Bank. They listed several reasons all related to my wife of over 40 years. Synchrony has not disclosed the credit reporting agency used which would allow me the opportunity to request and review the report. 
Synchrony has also not fully answered my questions regarding the individual items listed for the rejection. 
To my knowledge, our credit has been exceptional for those XXXX years.
Product: Credit reporting or other personal consumer reports

Finally, on XX/XX/XXXX, XXXX XXXX XXXX issued a letter by postal mail and I received it on XX/XX/XXXX. It said that based on the information that I submitted with my application for financial assistance for my outstanding balance was reduced by 100 %. I had been granted full financial assistance with 100 % reduction on hospital bills. 

On XX/XX/XXXX, I received and email from XXXX XXXX, letting me know that an adverse action was reported on my credit report. After accessing the report, I found that STATE collection agency had reported this account as unpaid and and still outstanding. Immediately, I filed a dispute with XXXX and included documentation that should have proven the XXXX balance. However, STATE insists that their records are correct and the balance is still outstanding. 

On XX/XX/XXXX, I again checked my credit for a different reason and still saw that the negative collections mark from XXXX still existed on my report. Again, I disputed it with XXXX, this time including the letter that I had been sent from the hospital, proving my 100 % reduction for the balance. 

On XX/XX/XXXX, I received the results of the XX/XX/XXXX dispute, and again, XXXX maintains that the balance is still unpaid and outstanding. 

I do not know how to clear my name of this collection action. The bill has been reduced by XXXX XXXX XXXX. I will provide all documentation proving that fact.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Response : Dispute Regarding XXXX  Information Dear Experian, I am writing in response to your recent communication regarding my dispute of XXXX  information on my credit report. Let me make it very clear that my dispute was not submitted in error, nor do I agree with your findings or your refusal to remove the XXXX  information. 

You state that " your request to block was made in error '' or based on a " material misrepresentation, '' but I have substantial evidence to support my dispute. Specifically, I have attached a letter from the XXXX  court itself confirming that they do not verify XXXX  information to the credit bureaus. This makes the XXXX  entry on my report not only inaccurate but illegal, as it violates the Fair Credit Reporting Act ( FCRA ) by relying on unverifiable public record data. 

You also mention that if I have " additional relevant information, '' I should contact you again, but I have already provided all the relevant information, including the XXXX court 's letter, the FTC identity theft report, and any necessary documentation regarding this dispute. Your assertion that I did not identify fraudulent accounts or submit a valid identity theft report is both inaccurate and frustrating. I will not tolerate these incorrect claims, and I expect your team to take immediate action to investigate the legal implications of this XXXX  entry. 

To reiterate, the XXXX  entry should not be on my credit report under any circumstances. 

I expect a prompt resolution to this matter and a written confirmation of the deletion of the disputed XXXX  entry from my credit report.
Product: Mortgage

I received a letter from my lender US Bank stating my mortgage was audited and found that I am now required to carry flood insurance. At which point I acquired the required insurance and forwarded the proof to US Bank. The original analysis date was marked XX/XX/XXXX. I was told via phone that the charges to my account would be remitted. I was post charged from the date of the new flood maps covering dates from XX/XX/XXXX to XX/XX/XXXX. I received another notice dated XX/XX/XXXX stating that I am still being billed for the previous year. I have been able to find the instance stated by consumerfinance.gov that states a required 45 day hold before coverage is applied by lender. Please advise me if I owe this balance or I am not able to be charged.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I have been a victim of identity theft and found fraudulent account and inquires in my credit report ( XXXXXXXX XXXX Date opened XXXX ) ( XXXX date XXXX XXXX XXXX  XXXX XX/XX/year> ) Please remove this fraudulent account and inquiers from my credit report. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within XXXX days. 

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 XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is failing to comply with FCRA Sections 605B and is also in breach of Sections 616 & 617 for willfully non-complying and neglecting to adhere to the rules and laws of the FCRA. I have submitted 4 complaints informing Experian that I was a victim of identity theft. Experian is failing to block or remove the accounts from my report. I followed their guidelines. I filed a report on the FTC website, I specified how the identity theft took place, that I did not benefit or receive goods or services from the alleged accounts, I validated the identity theft with a federal law enforcement agency ( which they're claiming I haven't ), I submitted the identity theft reports, provided a report circle the fraudulent accounts, an affidavit from the FTC website & provide a photo ID for their records. Experian has claimed the accounts listed below have been verified and are accurate. I'm truly confused by their antics/tactics on how to report this issue but they are ignoring this dispute and failing to comply with the rules set forth in the FCRA. I need them to be held accountable & have the following accounts blocked/removed : 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

I filed several complaints with XXXX  concerning a Capital One credit card account that was charged-off in XX/XX/XXXX in the amount of {$1200.00}. Capital One charged-off the account and submitted the amount that was charged-off to the Internal Revenue Service ( IRS ). I received a 1099-C form in the amount of {$970.00} for the cancelled debt and I filed the 1099-C form with my taxes in XX/XX/XXXX. In DXX/XX/XXXX Capital One reported the debt as a new debt to all credit reporting agencies. I informed XXXX that the debt was not new and I submitted my 1099-C form and copies of prior years credit reports that disclosed the debt as not being new and the debt being cancelled. Since XX/XX/XXXX XXXX  is reporting that I have a new late payment and this is not true. I filed several complaints and I tried filing a complaint again on XX/XX/XXXX, and I was informed that they would not review my complaint anymore concerning the Capital One account. There debt reporting practices are unfair and do not adhere to the federal laws that are in effect.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below are in accurate. I did not consent or authorize anyone to benefit from my credit. This is a violation of my consumer right. 

Account Name 1. XXXX XXXX XXXX  XXXX 2. Opp loans 3. XXXX
Product: Checking or savings account

XXXX, I went into the Navyfed located in XXXX TX. I went in there with my spouse to deposit a check of XXXX and do a cash advance for XXXX out of an external account. The teller ( XXXX ) was very rude and unprofessional. She stated that to do my cash advance, she would need to ask two identifying questions. Never had to do that. So I inquired why? If I never had to, did something change? She stated the policy Changed XX/XX/XXXX. I said that's false. I've never been asked anything, besides the two forms of id. She asked if I wanted to speak to her manager, I said I didn't request to speak to your manager, I'm asking you the question ( the teller ) that called us to the window to assist us. She displayed unprofessionalism by huffing and puffing under her mask, chewing her gum aggressively, and rolling her eyes. I addressed it, she didn't like it. She walked away to go get assistance. I started to converse with my spouse, I guess she heard me, and became confrontational in the lobby. I told her to continue to get her manager like she suggested was the best remedy and to stop addressing me. She came back and my spouse and I both said that she was unprofessional and she started to cry. A guy walked up excusing her, and directed us to wait in the lobby area and said someone else would assist us. So now we are waiting additional time after other members that came after us. He then came to get us, he asks our nature of being there. We told him. As he is checking the database, he never asked the two identifying questions, like she said was policy. I went to describe the issue to him, he didn't apologize, he did not say anything to make us feel like members of the institution. I'm a veteran who has been a member with Navyfed since XXXX. I asked him his title, he said he was the branch manager ( XXXX ). In my mind, I'm like as a branch manager, you should implement professionalism. If someone is complaining about their interaction with your staff, you shouldn't deflect from the questions or display that you don't care or you're uninterested. As we left, there was no salutation, no thank you for our business. In addition, my other complaint within consumers affairs in regards to the branch in XXXX XXXX, plays hand in hand with this complaint I'm doing right now. The branch in XXXX XXXX declined my cash advance due to " policy change '' of not being able to verify my card information. But if the policy has changed, how was I able to complete the same thing with the branch in XXXX, if the policy is for all Navyfeds. The disrespect displayed in the branches are beyond me. This makes me feel as if they pick and choose who to service. Navyfed represents All Military personnel and their dependents. I do not appreciate these interactions. And I want some resolution. I plan to make this issue public and civil. This is the second interaction with Navyfed that I've had where the staff displays disrespect, dishonesty about policy changes, and seems to be unethical.
Product: Checking or savings account

Due when the nation was getting a stimulus check. My account was very low, and when the XXXX was put in my account, there was a XXXX deposit it my account as well. I didnt know where the XXXX came from. Well almost a month later, Wells Fargo took the XXXX out of my account leaving me negative. I called, sent emails and tried to call corporate. To no avail I was forced to close the account after 5 years plus.