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

XX/XX/2024 Subject : XXXX XXXX XXXX TransUnion for Failure to Correct Inaccurate Late Payment Reporting. 
To Whom It May Concern : I am filing a formal complaint against TransUnion for its failure to correct inaccurate information regarding late payments reported on my credit report for account XXXX XXXX XXXX, account number XXXX. Despite multiple requests for correction ( letters dated XX/XX/2024 ), my requests have been ignored. This ongoing inaction constitutes a violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations Under 15 U.S. Code 1681i, credit reporting agencies are mandated to ensure the accuracy of information within consumer files. The continued reporting of erroneous late payments on my account by TransUnion directly breaches this legal requirement. Furthermore, 15 U.S. Code 1666b mandates creditors to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on this account suggests a failure to comply with this statutory requirement.

TILA Violations The Truth in Lending Act emphasizes the necessity of accurate and timely disclosures to consumers. The misreporting of late payments on my account has directly harmed my creditworthiness, which TILA aims to protect.

Protection Against Non-Payment of Obligations Act ( PAANL ) This act highlights creditors ' responsibility to provide timely statements, preventing unfair penalties to consumers. The continued inaccurate reporting violates this protection, unjustly affecting my financial stability.

Payment History and Errors Across Credit Bureaus XXXX records display multiple inaccuracies in my payment history : XXXX : Incorrectly marked as 30 days late. 
XXXX : Reported as 60 days late, despite account closure with a {$0.00} balance. 
Days Late - 7 Year History : TransUnion has listed 30 days late ( XXXX occurrences ) and 60 days late ( XXXX occurrence ), which inaccurately affects my credit rating. 
Lack of Resolution Since Previous Dispute Despite submitting multiple disputes, each bureau has continued to report these errors without change, damaging my creditworthiness and violating my rights under the FCRA and TILA. The inaction on these inaccuracies has resulted in ongoing harm to my credit profile and financial stability.

Desired Resolution Immediate Removal : I am formally requesting the immediate removal of all inaccurate late payment notations from my credit report, including assurances of corrected and accurate reporting across all three bureaus.

Written Confirmation : Please provide written confirmation of these corrections once the inaccuracies are removed.

If this issue is not resolved promptly, I will escalate my complaint, potentially involving legal action and further complaints with appropriate consumer protection agencies. 
Thank you for your attention to this matter. I look forward to a swift and accurate resolution. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

I received a collection notice on my credit report. I open a dispute with Experian and they answered me it was a debt from XXXX XXXX. I contacted XXXX and spoke to a representative about the fact that I have never had any service from them. They could not help me resolve the problem. Now, I have a collection on my credit report that is not mine. I would like to make it clear that I have never signed any contract or even received services from them. I never got a call to try to collect the amount, or to ask me anything regarding the matter. They are charging me XXXX dollars for an account that is not even mine.
Product: Credit reporting or other personal consumer reports

I'm writing to express my extreme frustration with the handling of my identity theft case. In XXXX, I was a victim of identity theft, which I only discovered in late XXXX. I immediately took action by filing reports with the police and FTC, and informing all three credit bureaus. 

XXXX and XXXX have been helpful in addressing the issue, but TransUnion has been unresponsive and unhelpful. I have submitted XXXX disputes over the past year, and all I receive in response is a request to submit another dispute. This is not a resolution, and it is causing me significant XXXX  and XXXX. 

I have taken proactive steps to protect my credit by freezing it and creating accounts with all three credit bureaus. I expect fair and equitable treatment from TransUnion, and I demand a resolution to this issue. 

I look forward to your prompt response and a satisfactory resolution. 

Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. 
Also I have attached the credit report and here I listed the tracking numbers of the letters I sent out to the credit bureaus # XXXX, # XXXX, # XXXX. 
According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's 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 others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account were verified but how is that possible if they did 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 has to be 100 % Accurate. 
- Authentic Persona information : Full Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, OH XXXX Employer : XXXX XXXX  - Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX 
These accounts are on my credit report and they need to be removed.
Product: Mortgage

My wife and I refinanced our home in XX/XX/XXXX with XXXX XXXXXXXX XXXX ; MB Bank bought the mortgage and 5th/3rd Bank merged with MB Bank. We were  monitoring when we would have the mortgage insurance removed for years. MB Bank told us it would be removed in XX/XX/XXXX. A few months before this date 5th/3rd Bank sent us information telling us they were the new mortgage holder. We contacted 5th/3rd to have the PMI ( mortgage Insurance ) removed by XX/XX/XXXX and continued paying the same premium, as we were told by 5th/3rd Bank, to not cause a default. We were told the excess money of approximately {$63.00} would be returned. We spoke again and were told they would get this information right in and we would hear something in writing in 10 days. After paying XX/XX/XXXX 's premium we contacted 5th/3rd Bank again and were told it was denied because we had to have a loan equity ratio of 78 % and our ratio was 78.5 %. We spoke with a supervisor that told us this was based on an appraisal of {$170000.00} made in XX/XX/XXXX, and that no new appraisals are being accepted. I had an appraisal today XX/XX/XXXX of {$190000.00}. 
This appraisal was done without them knowing about the new roof in XX/XX/XXXX, total remodeled bathroom and granite countertops in the kitchen. If I put my house up for sale I would ask {$190000.00}. The numbers are ambiguous, its not right and the PMI should be removed. I have inclosed the original closing document showing the mortgage insurance of {$74.00}
Product: Mortgage

PennyMac Call Requests/Voice Servicing Call Requests provided to me were incomplete. 

Loan # XXXX Regarding CFPB Compliant XXXX previously filed. 
Missing - Pennymac did not comply with providing call logs specifically requested for and related to the following dates : 1 XXXX XX/XX/XXXX Spoke with XXXX 2 ) XX/XX/XXXX Transferred spoke with XXXX. 
3 XXXX XX/XX/XXXX Loan Mod Paperwork Request 4 ) XX/XX/XXXX XXXX XXXX. Spoke with XXXX 5 ) XX/XX/XXXX Spoke with supervisor XXXX  6 ) XX/XX/XXXX. Spoke with XXXX. 

My expectation is that PennyMac complies and sends me the above complete phone call/voice servicing logs that were missing from the CD sent to me. 

Additionally, the following call logs/voice servicing logs are a new request made XX/XX/XXXX via two phone call requests and two website messaging requests. Additional follow-up requests will be made today, XX/XX/XXXX, using PennyMac 's website messaging system and via email to XXXX. 

Pennymac has exhibited reluctance providing copies of phone calls/voice servicing logs, and answer questions related to the following dates, stating different requirements to fulfill ( such as going through online messaging or submitting a subpoena in order to request call logs ) 1 ) XX/XX/XXXX to XX/XX/XXXX a. XX/XX/XXXX XXXX at PennyMac transferred me to Modification Team b. XX/XX/XXXX Spoke with XXXX Customer Service. Transferred me to XXXXXXXX cXXXX XX/XX/XXXX XXXX transferred me dXXXX XX/XX/XXXX XXXX XXXX. XXXX with XXXX. Transferred me to loan mod dept ( XXXX? ) e. XX/XX/XXXX XXXXXXXX XXXX. XXXX with XXXX. Transferred me to loan modification dept. 

f. XX/XX/XXXX XXXX XXXX XXXX with XXXX gXXXX XX/XX/XXXX Spoke with Customer service. Transferred call to loan modification team. ( Spoke with XXXX? In loan mod dept. ) hXXXX XX/XX/XXXX XXXX with XXXX in escalation Unit. Transferred me to loan modification dept. 

i. XX/XX/XXXX XXXX with XXXX. Transferred me to XXXX in XXXX mod dept. 

j. XX/XX/XXXX XXXX with XXXX. Tx to XXXX. 

k. XX/XX/XXXX I spoke with XXXX at PennyMac l. XX/XX/XXXX XXXX XXXX. XXXX with XXXX at PennyMac Cust service My expectation is that PennyMac provide all of the new call requests, along with the previously requested call/voice logs.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block Inc. ) due to inadequate customer service and unfair practices which violate the consumer financial protection act ( CFPA ). Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution process requirements under Electronic Funds Transfer Act ( EFTA ) and Regulation E. This actions have caused significant inconvenience and financial loss and I seek appropriate redress for the violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX in regards to the credit card I have with them ending in XXXX. I have had this card for major than a year, my credit card is not being reported to XXXX, Trans Union or XXXX. The card is not prepaid, ALSO my credit score was in the mid XXXX at the time I applied, now my score on XXXX  in reflecting XXXX, XXXX XXXX uses XXXX XXXX  which reflects XXXX, TransUnion reflects XXXX and XXXX  shows no score. Capital One Fails to report my score to XXXX, Trans Union and XXXX  which does not help my bank with the application for a home loan.
Product: Credit card

A few years back ( I do not recall exactly ), I received a notice from my Sam 's Club Mastercard about an offer for cell phone insurance protection ( attached is the notice I received ). I do not recall if the notice came in my bill or was sent via email. The insurance coverage included, " up to {$1000.00} in yearly protection coverage ( {$600.00} max per claim, 2 claims per year ) '' according to the notice. To receive the cell phone insurance protection, I had to pay my bill with the Sam 's Club Mastercard. I did this in order to take advantage of the insurance offer. 

Approximately a year after taking advantage of this offer, my son broke his phone. We filed a claim and was ultimately reimbursed for the repair. 

Fast forward to XXXX of this year ( XXXX ), I dropped my XXXX XXXX XXXX XXXX and shattered the screen. I had the phone repaired at a cost of {$520.00} ( receipt attached ). I called Sam 's Club Mastercard to file a claim and was told the insurance was no longer offered. 

I had not seen any notice this protection was discontinued, so I called customer service to inquire. I was initially told by a customer service representative that no notice was given to customers about the cancellation. I asked to speak with a supervisor because I felt this was ridiculous. I eventually spoke with XXXX in customer relations, who informed me that on the back of my XX/XX/XXXX statement, I was informed the insurance was cancelled. 

I ordered a copy of the XX/XX/XXXX statement ( attached ). Upon reviewing the back of the statement, and in fine print, it said this coverage was being cancelled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were Unknown - XXXX and XXXX XXXX XXXX  - XXXX.
Product: Credit reporting

There are accounts open dating back to 2010, home loans and credit cards open under my information. I was in XXXX school at that time therefore have not opened a home loan, recently became an adult, i have never started my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is against Experian. I have XXXX accounts from Dept of EdXXXX showing on my Experian credit report as " open '' and " creditor can not locate individual '' when the accounts are all CLOSED due to consolidation and the creditor has sent me communication which I received! The creditor knows exactly where I am because how could I consolidate my loans and make contact with them through phone and email if they can't locate me? I even had Dept of EdXXXX send me an official letter stating that the accounts are closed and paid in full due to consolidation and that they no longer hold the accounts. I provided this information to Experian and they still report the accounts as " open '' and " creditor can not locate individual. '' I have tried disputing this with Experian XXXX XXXX already and they continually fail to accurately report the information. The dates of these disputes were : XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, and currently XX/XX/22. Experian even admitted in a recent email to me that they made a mistake, yet they won't delete these erroneous accounts off of my file and they continue to severely damage my credit score and profile! I am SICK OF IT and I want these erroneous accounts deleted IMMEDIATELY since Experian clearly CAN NOT BE TRUSTED to handle my information correctly!
Product: Credit card or prepaid card

I have auto payment set up for Capital One. This payment was set up on XXXX. I was unaware, nor did I receive notification that it was short {$1.00}. I received a past due fee for {$45.00}. I tried to get a courtesy refund. It was denied. This is a violation of UDAAP act.
Product: Credit card or prepaid card

Hello. Hello I am currently in XXXX and I'm unable to access my two Capital One credit cards. 
When I log in they require extra verification which they say they will send via text or call to my phone. 
My phone does not enable me to receive texts or calls in XXXX. 
l have been a Capital One customer for many years and have never before had problems accessing my account from outside the United States. 
I used my girlfriend 's XXXX number and called customer service and they told me that they could not verify me any other way than by sending a text or call to my phone! 
They even told me that Capital One accounts are really just for the XXXX. 
I was unable to locate an email address for them but finally found them on XXXX. 
The XXXX representative told me that they could not verify me any other way than by my phone. 
I told them that I have no problems accessing my XXXX and XXXX accounts both of which I have held for much less time than my Capital One account. 
In addition when I had the same issue with XXXX XXXX wanting to verify me by my phone I told them that XXXX solved the problem by setting me up with a third party verification app called VIP Access. 
I receive no response when I point this out or when I tell them of my experience with my phone call to customer service. 
This has been going on for about a week now and I am concerned about incurring late fees. 
I have the entire conversation with XXXX in case you need it. Of special concern is the fact that I am the one who initiates and continues the dialogue. They ignore any responses I make or input I give. Not sure if I am dealing with a person or a robot. 
Thank you, XXXX XXXX.
Product: Money transfer, virtual currency, or money service

I'm wondering if this is a legal practice. The company Coinbase has a debit card that they say they issue rewards for your purchases. This is not entirely true. I have multiple purchases from weeks ago that I have not been issued the rewards. I've contacted Coinbase several times and never get anything other than the standard auto response saying it takes up to 5 days and if it takes longer to contact them, but when you do they send you the same response. Recently they've stopped sending the auto response to me which I'm not happy about. It's obvious they could care less about scamming their customers. Can a company say they will give you rewards for using their product but they don't have to? It's very frustrating. I've reached out on twitter as well since they obviously have zero concern from their so called customer service department ; no response. I have no doubt I'm not the only person experiencing these issues but there's no place im aware of to be able to speak on or address the subject. If they would at the least say they're aware of the issue I'd have some kind of peace of mind but they think ignoring their customers and giving them no guidance or feedback with their auto response system is ethically okay. I have no clue who to turn to. Please help if you can. Thank you for your time and concern.
Product: Debt collection

Capital One Bank has posted negative remarks of payment lateness on my credit report without providing me with any options to resolve this matter to the best of my interest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception, within my Transunion credit report. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit :
Product: Credit reporting, credit repair services, or other personal consumer reports

Please provide original copies of the contract with my signature on them, the same you utilized at the time of reporting these items and these alleged obligations on my consumer report. 

Please see attached.
Product: Payday loan, title loan, or personal loan

The loan was originally with XXXX XXXX XXXX XXXX opened XX/XX/2012 then transfered to AD ASTRA RECOVERY SOLUTIONS at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ... XXXX XXXX XXXX ... .How many years can this item remain on my credit??
Product: Credit reporting, credit repair services, or other personal consumer reports

Ref : Credit Freeze and related charges Equifax - Security Breech I was notified that my credit information was included in the Equifax Security Breech in XX/XX/XXXX of this year. It was '' recommended '' that I place a " Freeze '' on my credit line to ensure that my credit would not be impacted and to take their " Free '' one year credit monitoring program. This recommendation came from Equifax and I did take their recommendations. HOWEVER.. 

When I try to place a Freeze on my credit with the other two credit companies : IE : XXXX and XXXX - I 'm required to pay a " FEE '' to place a " credit freeze '' on my credit line with their companies. 

I feel that Equifax is responsible for these " additional charges '' due to the fact that the Breech of security was due to Equifax lack of the proper security on their computer system. Its their fault and NOT mine. Therefore ... and all charges related to placing a freeze on my credit line with the other two companies should be picked up by Equifax.. 

YES ... I understand Equifax have taken " some '' steps to help those who were caught unaware and involved.. BUT ... are " falling far short '' of their responsibilities and " covering/picking up '' the freeze charges from the other two credit companies. 

I have discussed this issue with Equifax and they simply state that is not their responsibility and they will not pay the " Freeze '' charges. 

I feel that the individuals who are caught up in the Equifax Security issue ... ( which is no way their creation but, now involved and at risk ) ... Should insist that Equifax pick up any additional charges that are involved with placing a Freeze on their credit line.. 

IF .... Their Ex-CEO ... can walk out of their company with XXXX XXXX - and take no responsibility.. is SIMPLY Wrong .... 

I want to see something done ... ... and for Equifax to step up to the plate and take full responsibility ... and cover those involved with the security breech. 

By not contacting each individual who " could be '' impacted by the breech ... and not automatically placing " Freezes '' on the credit lines for those involved ... and only doing so ... when a individual contacts them ... is simply wrong ... They are not " Protecting their Clients '' nor stepping up to take full responsibility ... 

Many people are still un-protected..from possible fraud.. 

What can be done???? Better Yet ... .. What will be done..???
Product: Credit card

I am writing to file a formal complaint regarding a foreign transaction fee charged by CITI BANK on my credit card account. 

During the month of XXXX, I traveled abroad and used my credit card for multiple transactions. To my surprise, at the end of the month ( XX/XX/year> ), I discovered a one-time {$96.00} foreign transaction fee on my credit card statement. This fee was not disclosed to me prior to my travels, nor was it informed when I make each transaction, nor was it applied to each individual transaction. As a result, I was unaware of the total cost of using my credit card abroad. 

I believe that this fee is unjust and unfair. If foreign transaction fees are applicable, they should be transparently disclosed to customers when they engage in transactions abroad. Moreover, if the fee were applied to each transaction, I would have a better understanding and management of the expenses associated with using my credit card internationally. 

I have attempted to resolve this matter directly with citi bank, but there isn't an option to dispute the transaction. Therefore, I am seeking assistance from the Consumer Financial Protection Bureau to address this issue.