23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I participated in a HAMP modification with performance payments which I have now successfully received. However, much like I've previously had issues with the way SunTrust ( now Truist ) has serviced my XXXX XXXX loan, they now are refusing to respond to my repeated inquiries about why I have not received a recasting / re-amortization of my payments per the HAMP guidelines. I've tried to reach out by both phone and secure online communications ( and have attached copies of these communications ) and have made it clear I would indeed want to take advantage of a recasting to reduce my payments per federal guidelines. I'm told each time that someone from that department will be contacting me or I will be receiving some sort of official communication regarding my recasting inquiry, but I never do. I completed the five-years in the HAMP program in XX/XX/2019, which is when the final {$5000.00} performance payment should have been made ( it was significantly delayed with no explanation even though I made many inquiries, but eventually showed up ). I also should have, as is my understanding from reading the HAMP federal guidelines, been offered a recasting of my loan at this time. I was not and I have been calling and messaging without resolution. I'm just told it will happen or is happening or I'll hear something by an apparently ill informed mortgage customer service rep. 

I do want to bring up that last time I contacted CPFB about a Suntrust ( now Truist ) HAMP modification issue and spoke to the US Department of Justice regarding a  breach of their settlement agreement in regards to criminal conduct on their processing of HAMP modifications, Suntrust offered me {$1000.00} to drop my complaint and go away which I did, but then they never paid. I continue to remain shocked that Suntrust gets away with so many violations of the HAMP program and how it's supposed to be run. They received deferred prosecution and here they are, breaching it yet again with me. I guess corporate officers will never go to jail no matter how purposeful or negligent. 

I'd really appreciate some investigation and oversight here. There is absolutely no reason why I should be denied a recasting, be required to pay my interest payments in full, and pay off early. That is very convenient for Suntrust ( and even more so the new combined Truist, looks better on their balance sheet while it continues to harm me ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe the reporting credit bureaus are in violation XXXX XXXX And Trans Union stated I have a verified bankruptcy on file, The US Bankruptcy Court States they do not report to reporting agencies : -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX XXXX XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number XXXX XXXX -XXXX XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX -XXXX  XXXX Bankruptcy Case Number : XXXX This Is A Violation In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 the reporting agencies has violated my rights 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 15 U.S.C 1681 b
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an authorized user account being reported on my credit report that is not accurate. I am not an authorized user on the following account : Creditor : XXXX XXXX ; Date Opened : XX/XX/2020 ; Balance Due {$350.00}.
Product: Credit reporting or other personal consumer reports

I paid them between XXXX XXXXXXXX a month for XXXX  years to fix my credit and they never did. This was in XXXX. I called them on numerous occasions and I was told either someone would call me back or they would mail me out something neither happened.
Product: Credit card or prepaid card

I forgot to add my American Express XXXX card to my monthly budget sheet and therefore, forgot to make some payments. In XXXX, I began to receive phone calls that I did not recognize ( I'm still not sure if this was AmEx or not ). On XXXX, my brother in law texted me " I'm sure this is a scam, but just so you know, someone claiming to be from American Express keeps calling my number saying that you need to call them. I didn't even confirm that I know you because I'm pretty sure it's a scam but just so you know that they're doing that. You might need to warn other friends. '' Then on XXXX my sister in law sends me a text and a voicemail. In it the person says they are " looking for '' ( my full name, middle name included ). 
I have never given AmEx my family 's name or any of their phone numbers, which means they ( a ) cross referenced their database to find people I might know ( b ) called them and provide them with my full name ( c ) divulged my personal information. 
In short, they used their data base to divulge my personal information to other people ( aka, not a spouse ). I would like to file this complaint for the reasons I've listed.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been led to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened with XXXX XXXX on XX/XX/XXXX, a collection account opened with XXXX XXXX XXXX on XX/XX/XXXX, and 3 collection accounts opened with XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, a auto loan  account opened with XXXX XXXX on XX/XX/XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, and another personal loan account opened with XXXX, 2 credit card accounts opened with XXXX  XXXX on XX/XX/XXXX and the other on XX/XX/XXXX, a credit card account opened with XXXX  XXXX on XX/XX/XXXX, a installment loan account opened at XXXX on XX/XX/XXXX appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or any of the hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I notice an inquiry were a company pulled my credit report were the place indicated XXXX this place pulled my credit report XXXX  times there is no way I can call the place there is no address or phone number. Why would Experian even let some company pull my credit that just says court. That can be anyone just pulling my credit report. I hope Experian can look into something like this becasue they pulled on XXXX different occasions. This is very upsetting. All my information is out there. Who is this court that is pulling my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date XX/XX/XXXX Consumer Bureau : XXXX CFPB Case # : XXXX Original Creditor : XXXX XXXX XXXX, Closed Dear Credit Bureau Transunion, Dear Credit Bureau, This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise I have been fighting a case of identity theft case # XXXX As a result of these reckless and intentional acts, I have suffered and continue to suffer general and specific damages please be reminded too that the Fair Credit Reporting Act provides that when disputed debt items can not be supported by evidence, then such items should not appear on my credit report. Moreover, when such debt items remain unverified after 30 days, then inaccurate information on my credit report should be removed. Your responses in writing claim to have " verified '' the debt information that I have challenged. However, the law requires more in the case of an identity theft. You asking alleged creditors to match numbers on the computer is not verification in my case. An identity thief used my information without my knowledge and/or authorization hence, those numbers will match up. Simply stated, your action in this matter is not sufficient. 

XXXX XXXX XXXX are the same company I have received letter from them stating that they have did their part and that your company Transunion have not removed the negative item I have fax police report to show my identity was compromised the account was closed to. they sent me a letter saying that they had forward the removal of that Item from my credit and also advise me that Transunion is refusing to removed they item as now I am very disappointed from your company even do you guys was in the news for practicing the same method I am not here to fight any major company I have the proved needed I just need you guys to do your part of following the law in removed this Item in my credit I also attached the police report. 


XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I receive a response in the mail from Equifax which stated that they had verify inaccurate accounts on my consumer report. I would like to state that Equifax has violated my rights as a protected consumer. Equifax has violated 15 USC 1681 ( a ) ( 4 ) which states that I have a right to privacy as a consumer. My privacy has been breach because I never gave Equifax any consent to report these inaccurate accounts. Equifax has also violated 15 USC 1681b ( 2 ) which states that I the consumer have to give Equifax written consent to furnish anything on my consumer report. I the consumer never gave Equifax any written consent to report anything on my consumer report. No consent is Identity Theft. Pursuant to 15 USC 1681a ( e ) Equifax is suppose to personal interviews with my neighbors, friends, or associates of me. They are suppose to also not report factual information on a consumer report from a creditor. Equifax 's has not interview anyone who personally knows me which make this a violation because they have to interview these people to know my personal reputation. When Equifax reports payment information from a creditor this is personal information which is also a violation. Equifax is also in violation of 15 USC 1681a ( 2 ) ( B ) which states that what should be excluded from a consumer report " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. '' Under 15 USC 1681 a credit card is define as the same thing under section 1602 ( I ) which states that " The term credit card means any card, plate, coupon, book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I would like to state my social security card is my credit card which is also the credit card I used to begin every consumer transactions which I have listed in the attachments. Equifax has also violated 15 USC 1681 ( a ) ( 1 ) which states the banking system depends on accurate and fair credit reporting because inaccurate credit reports will directly impair the efficiency of the banking system and will undermine mine the public confidence which is needed so that the banking system can function. Equifax has being reporting inaccurate balance for accounts that I have label in the attachments. While Equifax continues to report these accounts they have cause injuries to me which consist of denial of credit, loss of income, XXXX and XXXX XXXX
Product: Checking or savings account

I stayed at XXXX XXXX XXXX in XXXX. Arrived XXXXXXXX  checked out XXXXI was charged for 3 night, {$600.00}, I have a receipt for that. XXXX XXXX XXXX charged me for a second room, I did not have for {$780.00}. They realized their error and refunded the money to Bank of America. Bank of America has not replaced the funds to my account. I have filed a claim with them, but the matter has not been resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit reporting bureaus, Equifax, XXXX, and XXXX, list several incorrect variants on my name in my credit reports. In some cases, these variants conflate my name with my husband 's first name ; in others, letters are missing and spaces are inserted ; and in others, my first, middle and last names are out of order, or are misspelled.
Product: Credit card or prepaid card

On XX/XX/XXXX I filed a dispute with Barclays card services ( XXXX ) protesting the refusal of XXXX XXXX to grant me a refund for the flight that had been cancelled because XXXX XXXX closed its borders because of Covid-19. 

Also on XX/XX/XXXX the very day I filed my protest, The US Department of Transportation ordered all airlines to offer a refund of Covid-19-cancelled flights. I sent Barclays the link for the order on XX/XX/2020. 

Barclays granted provisional credit for one ticket only. I advised them on XX/XX/XXXX that there were 2 tickets @ {$430.00} XXXX each for a total of XXXX. They did nothing to revise the amount of the dispute. 

In a letter dated XX/XX/2020 Barclays removed the provisional credit and reinstated the charge for the one ticket. They told me that because the contract terms between the consumer and the airline provides only for a credit that, the merchant bank did not have to honor the refund. I told their representative XXXX, by phone today that this ignores the order issued by the DOT. She said that they don't consider anything but the contract. I believe the DOT order supersedes the language of the contract. To date they've done nothing about it.
Product: Credit card

I have sent Wells Fargo, N.A Bank two different Billing error notices disputing a balance of {$6100.00}. First letter was received on XXXX and my Second billing error plus notice of default was received XXXX. Wells Fargo failed to perform all administrative duties and procedures related to billing error notices. 
Wells Fargo XXXX XXXX XXXX XXXX XXXX gets access to the Billing Error notices and CONVERTS them into complaint cases. They SHOULD NOT be converting anything. This tactic is used for them to elude the required procedures of handling billing error cases. Wells Fargo have created XXXX different complaint cases on my account and I never filed a COMPLAINT with them ever. The case numbers are : XX/XX/2023 # XXXX, XX/XX/2023 # XXXX, # XXXX, XX/XX/2023 # XXXX. They use these case numbers deceptively to give account holders the false impression as if they are responding to a Billing error notice but in reality they create a complaint case numbers and NEVER OPEN A BILLING ERROR DISPUTE CASE. I have never sent a letter expressing a complaint, nor have I did over the phone. WHY do I have XXXX Complaint cases????? 
In my XXXX billing error notice of default I instructed them not to contact me by telephone and respond by XXXX mail only. There are already numerous attempts by them to contact me by phone which is considered harassment at this point. I want the Bureaus to investigate WHY is Wells Fargo allowing and instructing their XXXX XXXX XXXX XXXX XXXX ) Change Billing Error Notices into Complaint cases. This is pure NON COMPLIANCE with the Billing error dispute process. My notice of default was to request them to forfeit the balance of {$6100.00} for the Complete FAILURE of ALL the Procedures required and that is in compliance with XXXX XXXX XXXX, TILA Part D XXXX, XXXX, XXXX, XXXX and XXXX. Any other regulations or procedures applicable to my case. As I write this complaint now Wells Fargo is Still in Non compliance and they are also still trying to collect on a balance that is being disputed for the XXXX time. They are also still reporting the disputed balance on my credit report as accurate. There was never a reasonable investigation completed nor are they taking any responsibility for the Unauthorized electronic transfer of {$6100.00} made on my account. The money should've never left my account and they were offered XXXX business days to contact me to provide WRITTEN authorization. Wells Fargo never attempt to contact me to provide that information, Therefore Wells Fargo is Liable for the {$6100.00}. And I am requesting for them to XXXX  out my balance.
Product: Credit reporting or other personal consumer reports

There is inaccurate information. There are no documents showing my correct social security number. My name, surname and place of residence to register are not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion LLC  XXXX   XXXX   XXXX   XXXX , PA  XXXX  ;  XXXX   XXXX   Maintenance Document Control   XXXX . Box  XXXX   XXXX , TX  XXXX  ;  XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX  have been reporting erroneous information on my credit report since  2013 . I have asked them to remove the information and they have found ways to collude with  XXXX   XXXX   XXXX  Bank to keep the mortgage information on my credit report.   They just recently acknowledged receipt of le tters ( respons es attached ) from property requesting information be corrected. We have even provided copies of the notorized QUIT CLAIM DEED to Transunion,   XXXX   XXXX   XXXX   in  2013 , yet they turn ed a blind ey e and willfully violated the Fair Credit Reporting Act ( FCRA ), Service members ' Reli ef Act ( SCRA ) a nd the Fair Debt Collection Practices Act ( FDCPA ).  XXXX   XXXX   XXXX  was also informed of this matter and chose also to violate the FCR A, SCRA and  FDCPA. Both I and my wife have written countless letters to remedy this with the credit bureaus to no avail. They have caused us economic and emotional duress as a result of their violation of the cited above. We hereby ask that the mortgage pertaining to property at  XXXX   XXXX   XXXX   XXXX   XXXX  TX  XXXX  be deleted from our cred it files IMMEDIATELY.
Product: Credit card or prepaid card

Eppicard denied a dispute in the amount of {$7300.00} on my account without telling me the reason. My account was hacked on XX/XX/2020. I received an email notification at XXXX on XX/XX/2020 that my pin had been changed. I called to check the status of this alert and discovered my debit card had been fraudulently used to withdraw {$7300.00} from six different transactions in Maryland. I called Eppi Customer Service around XXXX to report this suspicious activity and close my debit card. I have not used my debit card since XX/XX/XXXX ( XXXX ) at XXXX XXXX. My PA Eppi debit card was in my wallet the entire time during these fraudulent withdrawals and still in my possession. 

I immediately opened a police report on XX/XX/2020 with the Police Department reporting the theft of my money. 


In my Eppicard Agreement it states : Your Liability. Tell us AT ONCE if you believe your Card or PIN has been lost or stolen or your PIN has been compromised or you believe a transaction has been made without your permission using information from your Card account. Contacting us by telephone at the number listed on the back of your card, is the best way to minimize your possible losses. Or write us at Customer Account Services, XXXX. XXXX XXXX, XXXX XXXX, Texas XXXX as soon as you can. You could lose all the money in your Card account. If you tell us within two ( 2 ) business days, after you learn of the loss or theft of your Card or PIN you can lose no more than {$50.00} if someone used your Card or PIN without your permission. If you do not tell us within two ( 2 ) business days after you learn of the loss or theft of your Card or PIN, and we can prove that we could have stopped someone from using your Card or PIN without your permission if you had told us, you could lose as much as {$500.00}. 

My card was compromised on XX/XX/2020 and I called the Customer Service the same day XX/XX/2020 to report my card being used fraudulently and my card was closed and another issued. I also opened a police report on XX/XX/2020 reporting this theft. 


Also, there is a daily limit of {$500.00} but somehow someone was able to take {$7000.00} in two hours. 

This is really looking like an inside job and a disgrace that government agencies are trusting Eppicard/XXXX XXXX.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the accounts as followed XXXX Account Number XXXX XXXX Account Number XXXX XXXX  XXXX Account Number ( Opened XX/XX/2018 ) XXXX ALL have violated my Rights 15 U.S.C. 1681 section 602 A. States as follwed " I have the right to privacy '' 15 U.S.C. 1681 section 604 A Section 2 states as followed " A consumer reporting agency CAN NOT furnish an account WITHOUT my written instructions '' Instructions on which I NEVER gave to any reporting agency