23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Wells Fargo is failing to properly itemize my balance transfer ( s ) on my billing statement. 

If you review my account history, you will see that the entire amount of the balance on my card is in balance transfers. There is a {$2900.00} balance remaining. The statement reflects my balance transfer promotional rate will end XX/XX/XXXX,  and the remaining balance is $ XXXX.The problem is the remainder of the balance is not itemized on the statement. 

I spoke to two representatives onXX/XX/XXXX. The first representative advised me the remainder of the balance would expire XX/XX/XXXX. This promotional expiration date for the balance transfer as well as the balance is listed nowhere on the statement. I finally asked to be transferred to a supervisor because she didn't seem to understand my problem with the statement. The supervisor I spoke to was XXXX. He also didn't seem to have a clear understanding of the problem on the account. He stated someone from their executive team would contact me regarding the problem, but I advised XXXX that I planned on filing a complaint with the CFPB, because clearly the statement should accurately inform customers when his or her balance transfer is expiring in order to better prepare the customer for the interest that will begin to accrue. My recent statement is attached to this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

- In accordance with fair credit reporting act XXXX XXXX XXXX XXXX. Account number : XXXX Has violated my rights - 15 USC 1681 section 602A states i have the right to privacy - 15 USC 1681 section 604A section 2 also states a consumer reporting agency can not furnish an account without my written consent and or instructions. Fraud was committed on my account and i was charged for it instead of just closing the account
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 90 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion
Product: Mortgage

Dear SPS, I am in receipt of your letter dated XXXX XXXX XXXX, In that letter, you assert that Select Portfolio Servicing ( SPS ) is the " servicer for the account. '' You may have answered part of my questions, but I need clarification on what you mean when you use the words " servicer '' and " account. '' In plain language, are you stating, asserting, or alleging that you are providing services in connection with an existing unpaid loan account maintained on the books and records of XXXX XXXX XXXX ( or some other company or institution ) wherein said loan account is due from me and payable to XXXX XXXX XXXXXXXX as the creditor? 
are you stating that you physically receive my payments, account for those receipts, and distribute the money to a creditor ( s )? 
Can you provide me with the contact information of anyone who owns the alleged or implied unpaid loan account? 
I ask these questions for what are obvious reasons. Without receiving direct acknowledgment of the existence and ownership of the unpaid loan account, I can not confirm or deny the truth of the matters you assert, to wit : that you have the authority to administer, collect or enforce any debt, note, or lien issued by me. 

The claims of securitization have resulted in a wide variety of conclusions in court -- - including but not limited to findings of fact and conclusions of law that the alleged trustee was not entrusted with ownership of any debt, note or mortgage issued by the homeowner. 

Further, some decisions have held that the " servicer '' could not produce evidence that it was, in fact, performing the servicing functions that were argued or implied in court. 

All of this can be resolved by the creditor 's corroboration of the facts and authority you want me to accept as true. 

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report, This complaint will be my follow-up complaint to ensure the fixing of these accounts. 

OFFICE OF THE ATTY GEN XXXX Date opened : XX/XX/2023 Balance : {$15000.00} OAG CHILD SUPPORT ENFORE Opened XXXX XXXX, 2023 Balance : {$15000.00}
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/XXXX To : Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Request to Remove Fraudulent Accounts Due to Identity Theft Dear Experian, I am writing to formally dispute and request the removal of fraudulent accounts from my credit report. I am a victim of identity theft, and my personal information was compromised in the XXXX data breach. The following accounts were fraudulently opened in my name without my consent : XXXX. XXXX Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX. XXXX Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX XXXX. XXXXXXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX. XXXX XXXX Account XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX I respectfully request that you block and remove these accounts from my credit report as required by the Fair Credit Reporting Act ( FCRA ). To support my claim, I am enclosing the following documentation : 1. A copy of the police report or FTC Identity Theft Report.

2. A copy of my government-issued photo ID.

3. A copy of proof of residence ( e.g., utility bill or bank statement ).

4. A copy of my credit report highlighting the fraudulent accounts. 

Under the FCRA, I understand that you are required to investigate and remove fraudulent information from my credit report within XXXX XXXX Additionally, I request that a fraud alert be placed on my file to prevent further fraudulent activity. 

Please confirm in writing once the disputed accounts have been removed and my credit report has been updated. If you need further information to process this request, feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX Enclosures : Copy of police report or FTC Identity Theft Report Copy of government-issued ID Proof of residence Copy of credit report with highlighted fraudulent accounts
Product: Credit reporting or other personal consumer reports

Address shown is wrong I have never resided in XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the document needed and a letter from an advocacy group helping me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of Human Trafficking of Debt Bondage and would like all listed accounts to be blocked and deleted company information. Please delete the following information : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX open XXXX XXXX, XXXX XXXX open XXXX XXXX, XXXX XXXX open XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX  open XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit card or prepaid card

Hi This is XXXX XXXX. JP Morgan Chase Bank always discriminate me getting Amazon Prime Visa Credit Card, recently I have noticed that I have received a call from collection company regarding my sister 's old account of XXXX ( XXXX XXXX ) which was managed by Chase Bank, and they were threatening me that I want to speak XXXX XXXX ( my sister ) about important business matter about settlement of old credit card, and court documents will be sending etc etc., I said, how did you get my number, I am not related to this account, they were keep harassing, this is second time they have called me and I am not related to this account at all. JP Morgan Chase keep banned my house address, credit card offers, and other limits. I have wonderful auto loan payments of two years, wonderful payment history on other cards, never missed any payments, but CHASE is the only company, never send any offers nor they approve any credit cards because of my sister very old account, I know this account has been removed from credit history of sister 's credit profile, but still whole family were banned getting CHASE offers, collection department calling me, my another sister got call for this account and threatening court documents, this is unfair. they have kept secret system blocking my credit history and any offers. I have noticed it since XXXX and after second threatening call from collection, I have analyzed that CHASE discriminating me. I will leave their checking account and Chase Freedom card..I request from CFPB to inquire about this matter and get evidences from CHASE BANK, they can not restrict me based on same address. I am not legally responsible to pay XXXX XXXX old credit card of my sister.
Product: Vehicle loan or lease

Wells and its vendor charged some customers for unnecessary insurance even though these customers had provided Wells Fargos dealer-partners information about their existing insurance. Wells Fargo has agreed to provide remediation of more than {$380.00} XXXX to approximately XXXX auto finance customers. The remediation will include payments to over XXXX customers whose cars were repossessed, and for whom the unnecessary CPI charges could have led to the repossessions. The CFPB and OCC are working to ensure that the auto finance customers are fully remediated by Wells Fargo. 

Wells Will Pay Auto Financ This is part of the agreement wells fargo made with the states they put cpi onmy truck and it made my payment way to much for the income I get from XXXX. I had full coverage on the truck and they never even asked me if i did. They are trying to settle on XX/XX/2020 for XXXX and then XXXX it is my fault I am so sick of dealing with these people I want outside arbitration. I have asked 5 times.
Product: Credit card or prepaid card

XXXX is lying and stated that my flight is still valid. I called XXXX XXXX   and they told me that the flight was cancelled. 

I tried calling XXXX and emailing them with them not responding. They responded only once demanding I give them more money. 

I have been given no proof showing that the flight was still available. The flight was cancelled 100 % and I would like a refund. 

The flight is cancelled if you actually look into it you can see that XXXX   is lying. 


I was not provided a service and my money is being stolen from me. 

Chase is defending thieves. 


I would like proof that my flight was still valid or I want my money back.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX All Acccounts Have Violated My Rights per 15 U.S.C. 1681 section 602 A. States : I have a right to privacy.

15 U.S.C. 1681 section 604 A section 2. States : A Consumer Reporting Agent can not furnish an account without my written instructions.

15 U.S.C. 1681c. ( a ) ( 5 ) States : No Consumer Reporting Agent may make any Consumer Report containing any of the following items of records of information, any other adverse information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681's-2 ( A ) ( 1 ) States : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Also Known As : XXXX, XXXX, XXXX XXXX Off : XXXX XXXX XX/XX/year> {$8300.00} XXXX XXXX XX/XX/year> {$7300.00}
Product: Debt collection

On   XXXX   XXXX    2016, I  had an   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   and I could n't  XXXX .My doctor gave me a prescription telling me to go to  XXXX   Hospital, a   doctor will see me maybe in  15  mn. When I arrived my niece and an employee asked for a   XXXX   to help me. I did n't get it, I did all I could with   XXXX   XXXX   to get inside. They had done nothing, they just put my name and address in their system and asked me to evaluate the pain.I sat for more than  3 hours hop ing to be seen by a doctor.I would like to go to the restrooms but I could not then I called my niece to come back and pick me up. Now I have a bill for  XXXX  for what. I do n't know.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Social security number XXXX XX/XX/XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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. 

These fraudulent accounts consist of XXXX opened XX/XX/XXXX, XXXX XXXX opened on XX/XX/XXXX, XXXX XXXX XXXX  opened on XX/XX/XXXX, XXXX XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX XXXX opened on XX/XX/XXXX & XXXX opened on XX/XX/XXXX ... .I would like a investigation and have an accurate FICO credit report
Product: Vehicle loan or lease

I purchased my XXXX Hyundai XXXX XXXX for {$27000.00} from Hyundai Motor Finance XXXX ( HMF ) on XX/XX/XXXX the check was chased on XX/XX/XXXX. After receiving notification the check was cashed I called the finance company to coordinate the release of the title. XX/XX/XXXX they told me they had sent the title to my home address through XXXX and should receive it within XXXX business days. After a couple of weeks, I still had not received the title so I called back letting them know around XX/XX/XXXX and they told me they would mail it out promptly. I still had not received it after another XXXX weeks so around XX/XX/XXXX I called again letting them know it had not been received and I was informed then that it had been returned by XXXX because the address was not found so they would mail it out again. During this conversation, we confirmed my address once again ( I have received numerous communications from them with no issue previously ) they let me know they would Re-send it. Following this conversation, I checked my mail frequently and after another XXXX weeks, I noted I had still not received it. On or around XX/XX/XXXX I called XXXX, asked to speak to a supervisor, and explained the situation. I was informed they were sorry and would expedite it to me. Since then I have been told many times that XXXX has sent it out but I have yet to receive it. On XX/XX/XXXX I visited the VA XXXX where I learned the XXXX on the vehicle had not been released. Ive not received the title yet and it's XX/XX/XXXX almost 3 months after they cashed my check
Product: Debt collection

XX/XX/XXXX FOR THE LAST TWO YEARS I HAVE SENT SEVERAL LETTERS TO XXXX XXXX/AD ASTRA RECOVERY SERVICES AND XXXX DEMANDING A COPY OF APPLICATION ON FILE WITH MY SIGNATURE, IDENTIFICATION CARD AND SOCIAL SECURITY NUMBER. I HAVE A NEGATIVE DEBT OPENED XX/XX/XXXX, TOTALING {$740.00} ON MY CREDIT REPORT, THAT I AM UNAWARE OF. I HAVE NOT RECEIVED ANY OF THE INFORMATION I REQUESTED AND THE AMOUNT IS UPDATED MONTHLY. 
I HAVE NEVER RECEIVED ANY WRITTEN VERIFICATION OF LOAN DOCUMENTS FROM AD ASTRA/XXXX XXXX OR XXXX. AS A CONSUMER I FIND IT UNACCEPTABLE AND UNFAIR TO PLACE THIS ITEM ON MY CREDIT REPORT WITHOUT ANY PROOF OR JUSTIFICATION. 
UNTIL ANY DOCUMENTATION IS SUBMITTED AND RECEIVED BY ME IN WRITING, I WOULD LIKE IT REMOVED FROM ALL CREDIT BUREAUS IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. A am a victim of Identity Theft and have filed a report with the FTC. 
2. My Name, SS #, and Date of Birth were stolen, and the thief was allowed to add a fraud XXXX email account, add another phone # and address to my TransUnion Credit Report, and were able to obtain a Credit Card in my name mailed to the address they added to my Credit Report. 
3. I called XXXX today after checking my report to make sure corrections were made and I do have a 7 year free credit report alert monitoring - which I confirmed - I have a " Pin # '' which I would need to use if I needed to get information - or unfreeze - my credit report - XXXX   did not ask me for this information - which I thought was concerning - since this is supposed to protect me. 
4. I have opted out from receiving any direct mail from banking agencies etc. as well as other direct mail over a year ago. 
5. Although I am not receiving those, Companies are STILL ALLOWED TO MAKE " soft inquiries '' and get my CREDIT REPORT.

6. XXXX will NOT stop " soft inquiries '' without me sending more " personal '' information - including - Driver 's License, Bank or other type Date of Birth, etc. in writing - I do not feel I should have to mail them MORE personal information. 
7. I do not want anyone checking my credit report for any reason without my permission.

8. I don't think any of the requests should be allowed or honored - this is an invasion to my privacy which has already been compromised. 
9. TransUnion and XXXX indicated that existing creditors are allowed because of the CRA Credit Reporting Act can continuously look at my report - EVEN if I am never late and have a great credit score. 
10. XXXX  said I can OPTOUT of these inquirie in # 9 - by furnishing in writing the more intense " personal data ''. 
11. SO THERE IS CONFLICTING INFORMATION GIVEN TO ME - IF THE CRA IS ALLOWING THIS - IT SHOULD BE STOPPED - AT LEAST FOR THOSE OF US THAT CONTINUE TO HAVE GOOD CREDIT.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

( Credit Clearing House of America ) at ( po box XXXX XXXX KY XXXX ) has been sending me collection notices in the amount of ( {$75.00} ) the collection opened XXXX has been reported as past due balance. I do not know this company. I have never done any business with this company. This company does not have a contract with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported medical bills on my credit report which is a violation of my HIPPA rights. Reported to all 3 credit bureaus, XXXX, XXXX, and Equifax.
Product: Mortgage

I called PNC Bank in XXXX, requesting them to delete my PMI. They sent me a letter saying that they couldnt because the equity wasnt at exactly 20 % or below. This was because they didnt credit the amount that was in the suspense account to my mortgage so that it could be at the amount that makes me eligible for deletion. 

When they resolved that, I called again XX/XX/XXXX and asked that they remove it per the instructions on their website. I received no letter in the mail for XXXX business days. I called back XX/XX/XXXX just to double check that someone was actually working on the request and that id receive the letter soon. They said the task had not been submitted. Its strange how all of a sudden Im eligible to have this amount removed but now their tasks arent submitting. Nevertheless, I said OK thats fine, can you please submit it? The lady said she submitted it. I called back today, XX/XX/XXXX to find out why they were holding funds in the suspense account when they had a full monthly payment again and also just double checked if the task for PMI was actually submitted and she said no she didnt see a task in the system since XXXX. Therefore no one submitted it these past XXXX times. She claims she submitted it again but Im having a hard time believing her. They literally do not want me to remove PMI and theyre playing little manipulative games to make me jump through hoops to remove it