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

XXXX XXXX XXXX  XX/XX/23

XXXX XXXX inquiry.XX/XX/23


I want these inquiries removed immediately.
Product: Mortgage

I have made extra payment this year to reduce my balance to < 78 % of the original purchase price of my home so that I could automatically eliminate PMI insurance on my Mortgage. 

The original purchase price / appraised value of my home was {$210000.00}. On my statement dated XX/XX/XXXX my outstanding principle was {$160000.00}. The equity in my home is 77.489 % which should have triggered an cancellation of PMI insurance. 

On my statement dated XX/XX/XXXX my outstanding principle was {$160000.00}. The equity on my home 77.26 %. I was still charged PMI of {$91.00} on XX/XX/XXXX. 

On XX/XX/XXXX, I called Freedom mortgage and the agent on the phone confirmed my balance was below 78 % and was not sure why my PMI was not cancelled. He state the department that handles that does not take customer calls and I would need to submit an email. 

I emailed XXXX on XX/XX/XXXX Attn Correspondence department. 

I am requesting that PMI be removed from My account. I have paid down the balance so it should no longer be required. 

Loan XXXX signed with my name address and phone number. 

I received and letter dated XX/XX/XXXX. In this letter they are basically only listing options that would require and Appraisal be done on the properly. One of the statement even state the new appraisal must demonstrates a loan-current value of 75 % for loans aged between two to five years. 

They are total ignoring the fact that the Homeowner Protection of of XXXX required and Automatic Termination of PMI when the principle balance of the mortgage reached 78 % of the original value of the property. 

It is my under standing from reading CFPB Bulletin XXXX that a new appraisal is not required and PMI should have been cancelled on my account. 

I believe they owe me a credit for {$91.00} per month since XX/XX/XXXX and I should no longer be charged PMI.
Product: Credit reporting or other personal consumer reports

Because XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Experian thinks only they are allowed to write what I think or dont think in the comments section of my credit report - and since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( who does ) but at the same time I should be the final arbiter of what I agree or disagree with.
Product: Debt collection

Daily calls from the debt collector to collect a debt for someone that does not live at this residence.
Product: Money transfer, virtual currency, or money service

The transaction in question was unauthorized and does not reflect any action or approval on my part. I have taken all necessary precautions to secure my account, and this issue has caused an unexpected financial burden. The transactions date start XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. I have reached out to flix bus they determined fraud occurred and refunded my funds back, cashapp declined my dispute pertaining to a. XXXX 's transaction that was supposed to be refunded due to reaching out to corporate who initiated the refund, haven't received refund asked cashapp to look into, no avail they denied it without thorough investigation, XXXX was attempted to be withdrawn from my cashapp account, blocked it, then mins later {$530.00} was withdrawn from my cashapp, cashapp has been allowing money to be withdrawn despite me reaching out complaining that my account is compromised and someone is sending themselves money. Account is being used in a whole other state then where I'm currently at
Product: Debt collection

I am filing a formal complaint against United Auto Credit for inaccurate reporting practices and noncompliance with federal tax regulations regarding a charged-off account. This account is being reported inconsistently across credit bureaus, and the company has failed to provide the legally required IRS Form 1099-C ( Cancellation of Debt ). 

Details of the Account : Creditor : United Auto Credit Account Number : XXXX Date of Charge-Off : XXXX Amounts Reported : Differing balances reported to XXXX, XXXX, and XXXX Complaint Summary : Inconsistent Reporting to Credit Bureaus no 1099-C to IRS : The balance and status of the account are reported differently across the major credit bureaus. Such discrepancies violate the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ), which mandates accurate and consistent reporting of consumer credit information.

Failure to Issue IRS Form 1099-C : According to Internal Revenue Code Section 6050P, creditors are required to file Form 1099-C with the IRS when a debt of {$600.00} or more is charged off or canceled. On XX/XX/year>, I contacted the IRS, and they confirmed that no 1099-C has been filed for this account.

I requested the form directly from United Auto Credit, but they denied my request, stating that payment in full was required before issuing the 1099-C. This response conflicts with IRS guidelines and raises concerns about the legitimacy of the charge-off designation.

Improper Classification of Debt as Charged Off : Without the issuance of Form 1099-C, the account can not be legally classified as charged off under IRS regulations . This misclassification misrepresents the true status of the account and further violates the FCRA.

Requested Resolution : I request that the CFPB : Investigate United Auto Credits reporting practices and compliance with federal regulations.

Require United Auto Credit to delete the account entirely due to their failure to provide accurate documentation.

Enforce compliance with IRS Form 1099-C filing requirements, ensuring that creditors properly classify and report charged-off debts.

Supporting Documentation : Correspondence with United Auto Credit denying my request for Form 1099-C. 
Screenshots or reports from XXXX, XXXX, and XXXX showing the inconsistent balances. 
Notes from my conversation with the IRS on XX/XX/year>, confirming no 1099-C filing. 
I appreciate your attention to this matter and look forward to a resolution. Please contact me at
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a dispute letter to XXXX XXXX XXXX to have a false and misleading account removed from my credit. On XX/XX/2021 I called XXXX XXXX XXXX because I had not heard anything from the agency about that dispute since the letter was sent. A representative told me that the investigation process had not been started and that she'd have a manager reach out to me. A manager reached out to me XXXX  days later and then I was sent a letter via email stating that the account wouldn't be deleted even though they were in violation, failed to perform an investigation in the fair allotted time frame according to US law of XXXX days, and at fault. 

This agency is violation of several laws according to the Fair Credit Reporting Act XXXX XXXX ( a ) ( XXXX ) ( A ), Section XXXX unfair and misleading reporting, and violation of XXXX U.S.C. XXXX. I sent a third and final letter to XXXX XXXX XXXX on XX/XX/2021, as per this complaint the account is still on my report. According to XXXX XXXX XXXX the agency that reported the negative on my credit was to notify me within XXXX days after the initial communication in connection with the collection of any debt. They failed to notify me, as the original creditor, only I can validate the debt. However, I do not validate the debt. Therefore according to all of the above referenced law breaking violations, I want this account removed at once.
Product: Credit card

On XX/XX/XXXX I purchased a refrigerator from Home Depot using my store credit card that had a promotional interest rate of 0 % for 24 months on purchases of {$1900.00} or more before taxes and fees. My purchase met this requirement and I had qualified for the 0 % for 24 months and confirmed this rate at check out. I then set up automatic payments and paperless statements and kept my account in good standing. Knowing that the 24 months would be coming to an end this year I checked my account online to see how much I would owe on the last payment so that I would not have to pay interest. I then discovered my account balance seemed higher and then discovered there was an error and the 0 % was only applied for 12 months instead of XXXX. I then called the customer service number XXXX on XX/XX/XXXX and spoke with a customer service representative, their supervisor and their manager and explain the situation and told them I no longer cared about the promotional rate and asked that they reimburse the interest that should not have accrued in the first place until after 24 months. They told me that because it was 60 days past when the promotion expired they couldnt do anything but they could waive this months interest fee. When the accrued interest charge hit it was {$760.00} therefore I did not feel their offer of waiving around {$50.00} was adequate since this was an error with their system and not what was agreed upon when the purchase was made. The Home Depot credit card is through Citibank.
Product: Debt collection

Capitol One Bank ( USA ) sold a balance of {$470.00} to XXXX XXXX XXXX. XXXX XXXX XXXX has been trying to collect this balance since XX/XX/XXXX. This is not my debt nor did I give Capitol One Bank ( USA ) permission to send my personal information to any agency or organization. Which is a violation under the FCRA.

Please take notice that this is a criminal investigation of the business practices of the above named organization or agency to determine violations of the United States criminal laws. Your enclosed claim of collection of a purported debt appears to be founded upon false record in violation of U.S.C Title 18 2071 and 2073 ( falsifying records ) and further ; uttering and possessing false obligations and counterfeit securities based upon the falsified records in violation of U.S.C Title 18 471, 472, and 473 and or 513, and further : using corrupt business practices to make and posses false records and claim obligation, not substantiated by truthful facts in violation of the Ferderal Racketeer Influences and Corrupt Organization ( RICO ), U.S.C 18 1961 et. seq. and further : using the U.S.Mail to to present such fraud and false instruments amounting to mail fraud, criminal conduct failing under Title 18 U.S.C 1341 - Frauds and Swindles laws, and further sending mail with fraud and fictions names, a criminal conduct falling under Title 18 U.S.C 1842 - Ficticious Names.
Product: Credit card

Synchrony Bank, during the month of XXXX 2015 closed my Old Navy Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal Credit Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the Old Navy Credit Card account has been closed due to returned payments on another Synchrony Bank Credit Card Account. The referenced returned payments were additional payments on account ; a payment that was due for the regular monthly payment has never been returned nor has any account been late. 

According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only XXXX which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to bring to your attention an issue that I have recently encountered with TransUnion, a credit reporting agency. Specifically, TransUnion appears to have violated the Fair Credit Reporting Act ( FCRA ) by failing to validate a debt properly. I have requested TransUnion to validate an account that is reported on my credit report, XXXX XXXXXXXX XXXX. As I have expressed to TransUnion, this account is inaccurate and should be removed immediately. 

As you are aware, the FCRA requires credit reporting agencies to ensure that the information they report is accurate, and to investigate any disputes that consumers may have about their credit reports. In my case, I disputed a debt that was being reported by TransUnion, and requested that the agency validate the debt in accordance with the FCRA. 

Despite my request, TransUnion failed to properly validate the debt, and continued to report it as valid. This is a clear violation of the FCRA, and has caused me significant harm by negatively impacting my credit score. 

I believe that it is essential for the CFPB to take swift action to address this issue and ensure that TransUnion is held accountable for its actions. Specifically, I request that the CFPB investigate TransUnion 's practices with respect to debt validation, and take any necessary enforcement action to ensure that the company is complying with the FCRA. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from XXXX XXXX in response to my dispute of inaccurate information being reported by Experian on my credit report. Both other credit bureaus are showing correct informatiion but XXXX maintains that what is reporting is accurate. According to the Fair Credit Reporting Act, all information being reported must be 100 % accurate and 100 % verifiable. By just looking at the excerpt from my current credit report ( see attached ) it is obvious that Experian reporting differs from what XXXX and XXXX are reporting with respect to Payment Status and the Comments section. XXXX   XXXX refuses according to their letter ( see attached ) to make any changes in its reporting.
Product: Student loan

My payment plan was income based driven, which needs to be updated annually. While I submitted the paperwork on time, and thought everything would be the same continuing into the next 12 months of payments, it mysteriously never made it to NAVIENT. Never received emails stating that my paperwork was n't received on their end and was completely blindsided when I saw that my payment had almost doubled. After frantically calling to remedy the situation, the gentlemen on the other end could really not care less and offered no other solution than to pay it or do n't. So I paid it, re-filled out the necessary paperwork, called NAVIENT to confirm this time that they received the paperwork and thought everything was settled. Wrong. This time around the same payment that I had been going with for years was now wrong, and my doubled payment remained the same. Completely aggravated, I call them back for the third time and spoke to a woman this time and provided me with the option to forebear a payment, which I find out any payment 's interest not paid under this option will automatically be added to the principle amount. Paying what I could, I went with the aforementioned option and was reassured that my monthly payments would now go to normal ( around {$180.00} ). Not even a few days later I receive two emails from the company, one stating that my next payment would be the doubled payment and the next email states that my payment would be {$220.00}. Now I still have n't called them back a FOURTH TIME to remedy the same situation, but it 's a little ridiculous to have to follow up this many times to give someone my money.
Product: Debt collection

Its complicated. XXXX XXXX Illegal debt collect. XXXX car was voluntarily surrendered. First I knew about was XXXX. She falsified papers n show judge she served me in XXXX. In my old address. No one had been at the residence she claims she served me. The house had been boarded up for years. Now XXXX I get handed my first any only paperwork from her. This lady is know for illegal debt collections. She been fined umpteen times by gov n also sue. Ive been on XXXX  XXXX since XXXX. Now she wants XXXX I need help. These lady is going to put me in a grave. PleSe Im looking for a defense attorney to go after her XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due, in addition this account has been closed. Please keep in mind that it is impossible to past due on an account with a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been  successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent my letter off on XX/XX/2023. I told the credit bureaus to investigate every piece of information on the accounts I have listed below. Also, I have attached the certified XXXX # XXXX, According to the FRCA the term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with whom he is acquainted or who may have knowledge of concerning any such items of information.

They stated my account was verified but how is that possible if they didnt not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything must be 100 % Accurate. I have the credit reports showing the inaccuracies. The Credit Bureaus stated my accounts was properly investigation, but how is that possible if the opened dates is inaccurate, the dates last active is inaccurate, last reported Is not accurate, last payments is not accurate. This is grounds for removal. They also violated my rights under 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Also next to each account In parenthesis is the count of violations. Also, I have downloaded a current copy of my credit report and I have circled each violation.

List of the Accounts XXXX XXXX Account # XXXX ( 9 Violations ) XXXX Account # XXXX ( 9 Violations ) XXXX XXXX XXXX Account # XXXX ( 8 Violations ) XXXX- Account # XXXX ( 8 Violations ) XXXX XXXX- Account # XXXX ( 9 Violations ) XXXX XXXX- Account # XXXX ( 9 Violations ) XXXX XXXX XXXX Account # XXXX ( 10 Violations ) XXXX XXXX- Account # XXXX ( 7 Violations ) XXXX XXXX XXXX- Account # XXXX ( 9 Violation )
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date ( XXXX, XXXX  ) since then this account has incorrectly been reported as a charged off account with a balance due. A charge off account should NOT have a past due balance. This inaccurate information is highly injurious to my ability to obtain credit. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : Account name XXXX  XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Several times I have communicated with XXXX XXXX, Experian and XXXX to notify a mortgage account that does not belong me. The account reported in my credit is XXXX XXXX XXXX XXXX * XXXX. This account I try to fix this problem and sending the evidence that I found in XXXX XXXX county clerk. Even with the evidence XXXX XXXX, Experian and XXXX do not answer to the investigation as the law required. I want that they present the evidence that they have or otherwise this account must be erased of my credit report immediately.
Product: Debt collection

On XX/XX/2019, Diversified Consultants , Inc is attempting to collect a debt. While I do not remember the debt and has not refused to pay, I requested that the collector validate the debt under Fair Debt Collection Practices. My final letter to the collector was sent via certified mail ( cert # ending in XXXX ) on XX/XX/2019 requested the aforementioned. Collector has opted NOT to communicate with me but communicate directly with the credit agencies AND provide false and/or unverified information despite my request.
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter of noncompliance by the credit bureau concerning an account currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in XXXX XXXX XXXXXXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists. 

To date, the bureau has neither removed the disputed item from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 

XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # XXXX XXXX XXXX XXXX Has 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 a account without my written instructions
Product: Debt collection

Account Name : WELLS FARGO Account Number : XXXX Date Opened : XX/XX/2015 Balance : {$110.00} Reason : Identity theft Please remove it from my credit report.
Product: Credit card or prepaid card

NavyFCU offers cardholders fraudulent promotions wherein only those transactions in excess of a certain amount are subject to a promotional 0 % APR -- say, either {$500.00} or {$1000.00} for 6 or 12 months, respectively -- but fails to specify in the terms of the offers that these promotions create a situation whereby the only way to avoid paying interest on any purchases not subject to the promotions is to pay the balance in full, including any portion of the balance subject to the promotional 0 % APR. I made 4 transactions total on my NavyFCU credit card within the past 2 months, only 2 of which were not subject to a 0 % promotional APR. Despite making payments by the due date which were in excess of those 2 purchases each month, I still wound paying interest on those purchases. I have been informed today by " XXXX '' that the only way I could have avoided paying interest on those purchases was to pay the balance in full, including that portion subject to the promotional 0 % APR, rendering the promotions fraudulent.
Product: Checking or savings account

I have a bank account at Wells Fargo. I was charged an overdraft fee for about {$600.00} when I wasnt even close to {$0.00} in my account. It was taken and I havent gotten it back.
Product: Credit reporting or other personal consumer reports

This account has a first late payments XX/XX/XXXX  which I need a detailed report for this month that shows the balance, scheduled payment, amount paid and amount due to verify the inaccuracy. I recently received one report from you but it does not have the information I requested mentioned above, that is not what I am asking for. I attach the report that I do not want to be sent again. I demand one as detailed above that you must send. I am within my rights to be provided with this proof since this affects my credit. otherwise this must be removed from my AccounXXXX XXXX XXXX XXXX XXXX XXXX ( CLOSED )