23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I went down to best buy XXXX of 2014 and purchased a laptop where I was putting it on my best buy credit card that I currently had with them. When I purchased it they asked If I wanted to put it on my Best Buy credit card and I said Yes. So the purchase was made and I had automatic payments set up so that it would be paid off in a couple of months. XXXX XXXX to XXXX XXXX I received a letter in the mail from best buy stating that I have not made any payments to the credit card and they hit me with multiple late fees. I tried to explain to them that how is it possible to have more than XXXX credit card with them through best buy and that I purchased it knowing that it would go on the current credit card that I had with them. I asked them to remove the late fees and I just paid it off. Best Buy would not remove the late fees or would they remove it from my credit. Due to this error my credit score has declined and now it is hindering me from getting any loans or any type of credit. They said they understand my point but would do nothing to resolve it. If I knew that they were going to open a separate card I would have declined it. I just want it removed from my credit, It has all been paid off and I just want it gone from my history because it was not my fault that this happened but I have not had any help in this matter.
Product: Checking or savings account

Company : US Bank I opened an account at this bank in XXXX of last year and after 2 or 3 weeks I had the account closed without any prior notice, I had around {$370.00} and I am a XXXX  and this money is really important to help me paying for my expenses. I called the support number and they said that I had entered the wrong address, but that my check with that amount had returned to their database, and that I should go into the app and enter my correct address so that I would receive my check, I did this but I didn't receive anything. I tried to go to the branch to talk and they only told me the same thing, and they didn't help me at all. I've been trying to contact them for over a year now and I haven't gotten an efficient response.
Product: Credit reporting, credit repair services, or other personal consumer reports

( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I Have been an a victim of Identity Theft for a few years now.. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!
Product: Debt collection

I am the consumer natural person making this report notifying Credit Control of there Federal violations pursuant to federal law. Pursuant 18 USC 1028a ( 2 ) is in possession of my credit card without my direct consent. Pursuant 18 USC 241 & 18 USC 242 Credit control LLC & XXXX are conspiring together to coerce payment from the consumer and both negatively affecting my individual credit reporting. This was an extension of credit from my credit card as defined by Congress in this Consumer Credit transaction. I envoke all remedies as detailed in my affidavit and civil liability for damages pursuant to 15 USC 1692K. Furthermore federal law states you need my direct consent and you do not have my direct consent to have my information or contact any farther about this debt which is an alleged obligation. I am the consumer here to enforce my rights and secure damages caused by your organization. If you shall find any of my claims frivolous I will need that in a sworn statement by the CEO of your company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have student loans and tuition fees being charged to my credit from XXXX XXXX XXXX college and I have never attended the establishment. There is a man on my credit report by the name of XXXX XXXX and I do not know who he is and he is using my social security number. First financial and XXXX XXXX many. Please remove these as they are not mine.
Product: Checking or savings account

Attempted a XXXX transaction with Capital One. Was sending money to someone I normally send to and have plenty of funds. This morning the transaction wouldnt go thru and it was tagged as fraud. This was XXXX money going to my nephew in the amount of {$350.00}. When I called to get it unblocked, the agent told me she could see it was blocked, but couldnt see why and she couldnt do anything about it. Her name was XXXX and her badge number was XXXX. When I asked to be moved to security to get the account unblocked, she refused and said there was nothing she could do and my money could not be used for this transaction. I have no idea why I cant send my own money and they should not be able to place a hold on an account without there being a way to remove it. I still do not have access to my funds. I believe this is illegal behavior by Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent a formal request via certified mail to The Bureaus Inc regarding a collection account they are reporting under my social security number. 

I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local North Carolina laws. as well as competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them. 

They are also in violation of the NORTH CAROLINA DEBT COLLECTION ACT, NC.GENERAL STATUTE.CODE XXXX et seq. which prohibits a debt collector or credit bureau from engaging in debt collection in North Carolina unless the debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

The NORTH CAROLINA DEBT COLLECTION ACT ( NCDCA ) defines a debt collector as any person who directly or indirectly engages in debt collection and further applies to creditors attempting to collect their own debts. NC. GENERAL.STATUTE. CODE XXXX ( b ). Furthermore, NC. GENERAL.STATUTE.XXXX  states that a person, firm, corporation or association conducting or operating a collection agency without the permit shall be guilty of a class I felony. 

As of today XX/XX/22 they are in violation of NORTH CAROLINA DEBT COLLECTION ACT, NC. GENERAL.STATUTE.CODE XXXX et seq. as well as the DECEPTIVE TRADE PRACTICES-CONSUMER PROTECTION ACT, SUBCHAPTER E. 

To my knowledge, The XXXX XXXX DOES NOT have a XXXX bond on file with the NC Office of the Secretary of State, and are continuing to violate NC State Laws as well as Federal Debt Collection Laws. Due to this violation, any negatice tradelines on my credit report must be removed.
Product: Credit reporting or other personal consumer reports

I am submitting this Complaint to delete the following fraudulent information in my Credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that the Credit Bureaus immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete these items as soon as possible XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several accounts on my credit report that were opened fraudulently in my name. Under 15 U.S.C. 1681c-2, I request the immediate blocking and removal of these fraudulent accounts from my credit report. These accounts were opened without my authorization, and I have never given written permission for them to be reported, as required by 15 U.S.C. 1681 ( a ) ( 2 ).

In accordance with 15 U.S.C. 1681c-2, please block these accounts from my credit report within four business days and provide written confirmation of their removal. Additionally, I have frozen my credit profile to prevent further unauthorized activity.
Product: Vehicle loan or lease

My complaint is with Wells Fargo Auto Loans. I have my auto loan with them, I haven't had any issues until now. I call them at least once a month to ask questions about my account and get payment amounts and then log in and make payments. I had not idea I had late fees. When you log in online it doesn't show you any late fees, it's just says the amount due is the regular payment amount, even when it gives you the amount to make it current. And when I call they never say you owe more than your payment amount, even when you ask them for the amount to bring it current, they purposes avoid making the late fees part of your past due amount so they just accumulate. It wasn't until I called in early XXXX that she said the past due amount is {$590.00} when my payment is {$330.00} and i was shocked and she said, that's your late fee. I said all of sudden I have an astronomical late fee for the first time? And she said no, it's been accumulating. I asked why I can't see that online and why when I call it's never been said. She said we have been having issues with the way we apply our fees. I asked the amount of the late fee and she gave me a total and said I could have a breakdown sent to me within hours. I asked for it and got it 3 days later, like they needed to create something to back up the fees they change my manipulating the way they speak a to their customers intentionally to mislead them and get them to pay the wrong amount and keep accumulating fees they don't make accessible. I feel completely mistreated and intentionally lied to and misled because of their unfair ways. She said there is nothing they can do except send me a breakdown and she apologized I was mislead and would forward it to the complaint department but they will say the same thing and nothing can be done. Don't XXXX  your language and be deceptive on purpose. When I asked what is past due why would that not include late fees? The late fees are like a completely separate account they don't mention and don't openly show you in hopes they can just keep collecting. I have heard bad things about Wells Fargo and I always said that they were great and I never have any problems, until now. It's unfair.
Product: Vehicle loan or lease

As I partially mentioned in my previous complaint, XX/XX/XXXX I decided to do split payment option for my monthly car payment and the agent assured me the split payment would go to my monthly AS I KEPT STRESSING TO HER that I wanted it for my monthly payments. XX/XX/XXXX I called to try to pay ahead for the month of XXXX and was told that half my payment went to the miscellaneous fees that I REPEATEDLY told the agent I did not want. I was told by the agent that they would put a ticket in to correct it. I then went ahead to ask the agent if I could pay ahead for XXXX and ONLY XXXX while they extract the missing {$270.00} and place it back to the month of XXXX. The agent ( male this time ) told me that I could pay AHEAD for XXXX. Once doing so I've called periodically since because I do not want any issues surrounding the XXXX payment. I was given ( as with the title situation ) many stories of people placing tickets then being told someone did not complete the request to move the money from the fees ( which should NEVER have happened ) back to its intended purpose of paying for the month of XXXX. I called again and was informed the {$540.00} I payed for XXXX was used for XXXX. SO WHERE IS THE XXXX TOTAL FROM XXXX?? XX/XX/XXXX is in 2 days!! I've been doing my due diligence in keeping contact with you guys. Please correct this it's It's been nothing but hardships dealing with global lending service agents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account status/comments incorrect. This account was NOT paid from collateral. This was a credit builder savings account for which they kept the CASH they never actually lent. This should reflect as PAID/CLOSED.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with 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 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 on those accounts 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 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

Multiple credit report inquiries that i do not recognize were done on XX/XX/XXXX. Some were even duplicates and I already have a car loan that i purchased earlier this year. 

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

My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX/XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 2020
Product: Vehicle loan or lease

The salesman at XXXX XXXX, XXXXXXXX XXXX  deceived me : He told me that I would be getting a {$7500.00} Nissan Discount IN ADDITION TO the Federal EV Tax Credit ( = {$15000.00} ). Turns out they were merely taking over my Federal Tax Credit and applying it to the cost of the car. But by doing so, they left me stranded without transportation for 2 1/2 weeks ( XXXX miles from supermarket ) while XXXX took their time approving my credit. ( XXXX had told me I needed to partially finance car to get additional fictional Nissan XXXX. ) The XXXX weeks being shipwrecked was totally unnecessary! And in paying off the partial loan, Nissan Acceptance got a little extra bucks from me, too.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit reporting act XXXX  Account # XXXX XXXX Has violating my rights 15 USC 1681 section 602 states that I have the right to privacy.

15 USc 1681 section 604 a section 2 Also states that a consuming reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote dispute letters and sent in my FTC identity report to experian because I strongly believe the accounts I disputed is subject to identity theft. I was told by one of their customer service representatives that they do not investigate disputed items. The representative informed me that all dispute letters sent in will only be verified through mailing addresses only and if it comes back with my address on it then they will do nothing and it will remain in collections for 7 years. My dispute process also took longer than 45 days.
Product: Debt collection

Frontline Asset Strategies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Current Account Number XXXX XX/XX/2023 Thank you for your response, however there are some things I do not agree with. You say in your response that you mailed me proof and answers to my inquiry on the validity of the debt, but all you did was confirm my personal information and, in your response, you only addressed the fact that you are not required to provided me a copy of my wet signature. You made a false statement in your response because you failed to answer the following questions in my correspondence to you to provide proof and not just validation of my name address sand ocial security number. 
I asked you to provide the following information and you did not.

1. Agreement with the creditor that authorizes you to collect on this alleged debt ; 2. The agreement bearing my signature stating that I have agreed to assume the debt ; 3. Valid copies of the debt agreement stating the amount of the debt and interest charges ; 4. Proof that the Statute of Limitations has not expired ; 5. Complete payment history on this account along with an accounting of all additional charges being assessed ; 6. Proof that you are licensed to collect in my state ; and 7. Your license numbers and Registered Agent.

Instead, you told me to hire an attorney and make a dispute with the original creditor. My business is not with the original creditor you are the one that is trying to collect the debt. I asked you to provide the above information and you did not. It is your obligation to provide me with proof from the original creditor whom is your client, it is your obligation to provide me the information. It is not my job to dispute the claim with the original creditor since you are the one who is affecting my credit and trying to collect the debt. If you can not provide me with the above information I ask that you remove the collection permanently from all three credit reporting agencies. I am not contacting the original creditor, nor do I need to hire an attorney your attempt to try and put the responsibility on me and not answer the questions that you are obligated to do, shows that you are trying to sidestep your obligations to provide proof that the debt is mine. Again, the creditor is your client you must provide me the proof that I requested. 


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

XXXX XXXX, Equifax and XXXX are ignoring my requests to investigate, verify and correct accounts in my credit reports that are reporting incorrectly.
Product: Checking or savings account

I received a letter from the IRS earlier in XXXX ( around the XXXX ) stating that I owed them money due to only receiving XXXX estimated tax payments. I had sent XXXX so I called them immediately, While they were checking into it, I pulled up the cancelled IRS payment that I sent on XX/XX/XXXX and that had cleared on the XXXX XXXX XXXX, to be able to prove they received the funds as the check had cleared my account. In pulling up the check image, I discovered that the check I had written was not the check that I had mailed. The cleared check was a clearly fraudulent check, when you matched it to every other check I had written on this account. So I called Wells Fargo to report the fraud. I received a letter from them a number of days later stating that they have researched the unauthorized transaction paid on my account, but they could not reimburse me because too much time passed before I contacted them about the fraud. I called them again and eventually received a call from XXXX on XX/XX/XXXX from the fraud department who informed me that while they did determine fraud occurred, they can not return my {$7500.00} because I need to check the statement and report fraud within 30 days. I DO check my statements every month. However, by " statement '' I assumed it was the actual bank statement they were referring to, and since the check had cleared on the statement, I had no reason to suspect fraud. Apparently, they mean that you have to pull up all the check statements, but that has never been explicitly stated. As we bailed out Wells Fargo with XXXX XXXX dollars of our tax money, it is shocking to me that they do not protect the customers they serve, whose money helped to bail them out.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I have recently found I have been a victim of identity theft. Someone has stolen my information and used it to open account with XXXX Opened on XX/XX/2022 with an account balance of {$8800.00}. I don't know how the thief got ahold of my personal information but I am certain I have not opened this account nor have I authorize anybody to open these accounts for me. Please process a block on this account ASAP.
Product: Credit reporting or other personal consumer reports

I have tried dispute errors on all three Credit Companies XXXX, XXXX and Transunion and none of them are actually fixing the errors on my credit reports. 
XXXX XXXX {$480.00} XXXX XXXX {$990.00} XXXX XXXX {$240.00} XXXX XXXX XXXX {$26.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$480.00}