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

Dear CFPB, On XX/XX/2023 was completed as a regular monthly credit card payment of {$43.00} dollars as I am due to complete a payment on the XXXX of every month. 

I saw in my online app. that US Bank charged me a returned payment fee of {$41.00} as well as an interest fee charge of {$3.00}. Once it was brought to my attention I addressed US Bank, to rectify the situation in regards to my account ending in # XXXX to remove and reverse the returned payment fee {$43.00} and to remove and reverse interest charge fee of {$3.00}. These rate fees are also more than what they should be has this been a case of late payment processing. 

As the language states on my monthly bank statement under the important message section at the top stating that I have 24 to 30 day interest-free period for purchases provided. 

I also requested to speak with the communications department to discuss and submit my reasonable accommodations in regards to my XXXX and reference to the negative activity that took place on my account and was not successfully connected to that department but a Customer Service representative who assisted me by leaving notes on my account for someone to follow back up with me. 

I have not heard back from US Bank, nor has the fees been removed as they remain still populated in my account. The negative activity on the account ending in # XXXX has impacted and affected my credit history and credit score. 

To resolve this particular issue I am requesting a credit limit increase without a hard credit pull being ran. 


As for any fees I am filing a complaint for my account to be reviewed of the fees mentioned above returned payment fees and interest fees that are inappropriately applied to my account immediately and for my account to be updated as the resolution. 

Review and remove fees that were inappropriately applied to my account ending in # XXXX as well as submitting a physical paper copies via emailed to the listed email address of all that was corrected and updated. 

This would be my second complaint filed on US Bank regarding interest fees and returned payment fees. First complaint number # XXXX There is a unresolved problem, conflict with the online technologies with US Banking structure tat calls for a resolution especially for those of XXXX like myself and for those of mental XXXX to be able to work with and be connected as a Private Client on personal matters regarding their finances within the Communications Department that I have also requested as a resolution to speak with. 

Kindly submitted,
Product: Debt collection

I Do Not Owe this debt this account is not mine I want it deleted From My credit Reprt before I take court action against the company and or original creditor as it would be there obligation in court to Show they are owed debt.
Product: Checking or savings account

Today, XX/XX/2020, I went to make a cash deposit at the Capital One ATM in the XXXX Target, at XXXX XXXX XXXX XXXX, XXXX, XXXX, WA. 

I inserted {$830.00}, XXXX - {$20.00} bills and one {$10.00} bill. The machine pushed the {$10.00} bill back out. The machine continued to make noise, and nothing else came out. A yellow banner appeared on the screen stating I hadn't removed rejected bills and they were being " retained ''. 

I assumed it was an error, reinserted my card and proceeded to deposit the remaining {$10.00}. I checked my balance and it read {$41.00}. I removed my card, reinserted and checked again. Same thing. {$41.00}. I stood in front of the ATM and called the bank immediately. I was told ; only the {$10.00} was seen. I was then transferred to the claims department and explained the situation verbatim. I was told the matter would be investigated and could take 10 business days.
Product: Credit card

I was on the Credit Karma website and saw that my chances of applying for a XXXX XXXX XXXX XXXX with XXXX annual fees was good so I applied at the end of the application. When I hit done it sent me back to the beginning to begin the application again I do not know if the application Went through. I did not receive any email or text notifications that there was an application. I called XXXX  XXXX and they said that they had no information that I had applied for a credit card. They used my Social Security number to look for it since I inputted my information I have received dozens of calls from across the United States, there is a brief message left that only states select an option and then it hangs up. I received one call from a gentleman who said that he could not offer me a cash offer at this time. I called and inquired what this was about and he said that there was a request made to sell a property in my name with my information but that when he checked the property address did not match my name oddly the address was only a few doors down from my actual address and now Im here. Im going to report tomorrow morning to my local police department.
Product: Debt collection

The company had what they called " locators '' call me non stop, these people demanded personal information such as address. They told me that if I did not call a certain number, they would be coming to my house to serve me papers. I called the number and they said there company was called Global. They told me that if I did n't set up payment plans, they would not call off the locators and they would come to my home and serve my with legal papers that day. I was scared into setting up a payment arrangement. I lost my debit card, so when they went to process the second debit, it failed. I just received repeated calls from a number of only '' XXXX '' the voicemail left was threatening in nature..they said I only had hours to correct the error. They then said that if I did n't fix this, The exact words were " Good Luck '' They have called my job, and harassed my boss over this XXXX. This ca n't be legal!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. the list of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX Account Name : XXXX XXXX Hard inquiry company name : XXXX XXXXXXXX via company name : XXXX XXXX XXXX XXXX : XXXX bank company name XXXX XXXX XXXX 15 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2, states a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C 1681c. 9 ( a ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following items of information : Any other than records of conviction and crimes which antedates the report by 7 years.

15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the delete these accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to block any items or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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 Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX Inquiry Date XXXX XXXX, XXXX ; XXXX XXXX XXXX BANK Inquiry XXXX XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX XXXX If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each items are 100 % true, accurate, correct, complete & VERIFIABLE ). If CREDIT BUREAUS do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

Collection agency is still in violation and has illegally obtain my personal information from original creditor with out my permissible permission and has never sent me the original purchase agreement with my signature. you have 4 business days to remove as this is identity theft. and a violation
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX Transunion XX/XX/XXXX I need you to attend the following shown items in this letter which contains data taken directly from my credit report which you have provided. 
Hard Inquiry Removal XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX ) XXXX Inquiry Date : XXXX XXXX, XXXX Delete this unconfirmed inquiry lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S CODE 15 U.S.C. 1681 ET SEQ. Section 604 of Fair Credit Reporting Act.

Once you have fulfilled my request, mail me an updated credit report reflecting these changes. 
XXXX XXXX
Product: Debt collection

Stenger & Stenger has PROVEN nothing of the legal process of Debt Collecting! NOT ONE OF THE DEBT COLLECTING AGENCIES ... THERE HAVE BE 3 ON THIS DEBT ... HAS EVER!!! SENT ANY PROOF OF SUMMONS TO APPEAR IN COURT TO DISPUTE SAID DEBT CLAIM!!! We have asked Stenger & Stenger to sent validity of this JUDGEMNT!!! TO DATE ... THERE HAVE BEEN NOTHING SENT!! So, until Mr. XXXX get to have his day in the court to dispute this debt.. they are in false debt colleting. And.. this debt is TIME-BARRED according to any laws regarding credit reporting. https : //www.consumer.ftc.gov/articles/0117-time-barred-debts. What should I do if I'm sued for a time-barred debt? 
Defend yourself in court. If you're sued to collect on a time-barred debt, pay attention, and respond. Consider talking to an attorney. You or your attorney should tell the judge that the debt is time-barred and, as proof, provide a copy of the verification from the collector or any information you have that shows the date of your last payment. The lawsuit will be dismissed if the judge decides the debt is time-barred. In any case, don't ignore the lawsuit. If you do, the collector likely will get a court judgment against you, and possibly take money from your paycheck, bank account, or tax refund. 

Assert your FDCPA rights. It's against the law for a collector to sue you or threaten to sue you on a time-barred debt. If you think a collector has broken the law, file a complaint with the FTC and your state Attorney General, and consider talking to an attorney about bringing your own private action against the collector for violating the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

CASCADE CAPITAL you are in violation of 15 USC 1692G due to not VALIDATING THE ALLEGED DEBT. 
CASCADE CAPITAL I respectfully request that your company provides me with competent evidence. 
I am also informing you if your company has or continues to report false information to any of the three major credit bureaus this action might constitute fraud under both federal and state laws. 
If any negative mark is found or continues to repost on any of my consumer reports by your company or the company you represent. i will not hesitate in bringing legal action against you and your client for the following : VIOLATION OF THE FAIR CREDIT REPORTING ACT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason
Product: Vehicle loan or lease

I, XXXX XXXX XXXX recently went to XXXX XXXX on XX/XX/2023 located at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I was looking to make a Consumer credit transaction for my first ever XXXX purchase. I test drove a XXXX XXXXXXXX XXXX XXXX which is listed at the value of {$47000.00}. I was looking to Finance the vehicle & I was not able to do so due to Credit Denial. I filled out a Credit Extension Application which was denied by over 5 Financial institutions. I was asked to make a down payment of {$5000.00} which I declined because I am aware of 15 U.S Code 1605- Determination of Finance charge ( illegal down payment ). I left the dealer & received adverse action letters from 5 financial institutions regarding the credit Denial. Only one financial institution disclosed the Amount Requested which is {$50000.00} on XX/XX/2023. My sources for this complaint are, Truth in Lending Act, Equal Credit opportunity Act, 15 U.S Code 1601, 15 U.S Code 1605, 15 U.S Code 1611. This Consumer Credit Transaction was done in good faith, exercised any right under the Consumer Credit protection Act. I've also shopped around for New and used vehicles at other dealers including XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX which I got the same results so I would like to include these dealer & financial institutions that they went through as well. The reasons for Denial based on my Consumer report does not represent the Equal Credit Opportunity Act which makes it unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction, on the basis of race, color, religion, national origin, sex or marital status, age ( provided the applicant has the capacity to contract ), because all or part of the applicants income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. 

ATTACHMENTS Adverse Action letters .pdf ( XXXX MB )
Product: Credit reporting or other personal consumer reports

I have been victim of identity theft and I found fraudulent inquires in my credit report.Please remove that inquires XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number was CHANGED in XX/XX/2022. After this change was made by the XXXX, they had provided a notice to me, explaining why such a change was made. 

I have conveyed this information to all the XXXX credit bureaus ( XXXX, XXXX and Experian ), my credit card agency - XXXX, my bank ( XXXX XXXX ), as well as all my brokerage accounts. 

However, whenever I try to access my credit reports from https : //www.annualcreditreport.com - after providing my name, DOB, SSN, Address - I do not get to see any of my credit reports or the credit scores.
Product: Credit reporting

I disputed items from my Equifax file or report on XXXX XXXX 2015 ( USPS Tracking Number : XXXX ). Eqiufax received my dispute notice on Tuesday, XXXX XXXX, 2015. The results I received from Equifax did not include any investigation and Equifax did not verify any information I originally disputed nor did they send me a corrected and updated credit report but only received pages from my credit report of items I disputed stating that the items were verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a DISMISSED Bankruptcy that was filed in XXXX and is almost at the 10 year mark ; I have disputed it with the bureaus trying to get it removed prior to the 10 years, especially since it's dismissed and doesn't legally exist any longer and can only be verified through public record. My first dispute with the bureaus was on XX/XX/XXXX followed by a 2nd dispute on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history with capital one 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 ( MONTHS REPORTING LATE ) 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.

EQUIFAX 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: Debt collection

This collection company was contracted by XXXX XXXX to continue collecting and listing the 'debt ' on my credit report although I have underwent the process of shameful bankruptcy. The Federal court has already discharged my debts but this company still listed the collection on my credit report. I saw this in my Experian report and I am sure it is the same for the other XXXX.
Product: Credit reporting or other personal consumer reports

incorrect information in my credit report showing in all my credits frauds and identity theft.
Product: Debt collection

I had disputed an account with the bureaus and they came back and stated the account was validated. I then sent a letter to XXXX XXXX requesting a full payment history from when the account originated to charge off date. The letter they sent was indicating that I had to have a subpoena sent to get the information. My question is how in the world without having evidence can they report anything?? They said they only had to keep the statements for a certain amount of time but what I was asking for was the payment history not statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a outstanding balance of {$390.00} showing on my credit for a capital one credit card that was opened last year. It's now in collections with XXXX XXXX. I have tried to dispute it several times and they keep marking my credit every month. This was not opened by me this is fraud my last credit card from capital one was over 10 years ago. It's closed completely and no longer showing on my credit. Can you please remove this off my XXXX and my XXXX report.
Product: Mortgage

XXXX XXXX is complaining that she is the part owner of premises. That XXXX XXXX was a constructive trustee. That ASC ( the servicer ) has failed to assist her or XXXX XXXX to keep the home. The investor is XXXX. Although I have been authorized on the account. XXXX has reported and continues to report negative information regarding this account against XXXX XXXX although there information is incorrect. Please note that this lender has not submitted to any proof of debt, standing and/or default of the terms of loan. In fact I believe that the original note no longer exists and the are attempting to foreclose with a electronic note scanned and altered. There is currently a scheduled foreclosure auction on XXXX XXXX, 2015. I would like for the auction to be stopped pending investigation, negative reporting stopped and for a copy of all credit files including mortgage and mortgage not be sent to me. Please note I have on XXXX/XXXX/2015 i filed a complaint # XXXX however I made a mistake with the name of the lender. It 's the same complaint. Please stop the sale date until we find a solution
Product: Prepaid card

Have amex bluebird prepaid card. I purchased new service a few weeks back never recieved serviced and suppose tonbe refunded back the amount XXXX two weeks ago and still no refund. Did a dispute over a week ago. Still giving me the runaround
Product: Debt collection

Dear FCOSir/Madam ; There are 2 alleged accounts under my report of over {$8800.00} that i'm not aware of. I am disputing the alleged debt reported by your company. This account is fraudulent, as I have no prior relationship or contract with either the original creditor or your company. 
The reporting of this account violates the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To verify the legitimacy of this claim and your authority to collect, please provide : XXXX. Proof of Authorization under 15 U.S.C. 1692e and 1692f. 
XXXX. Legal Basis for attempting to collect this debt, including applicable statutes. 
XXXX. Proof of Authorization to Operate in my state. 
XXXX. Evidence of Alleged Debt, including any contract or agreement bearing my signature. 
XXXX. Full Account History, detailing all charges, fees, and payments. 
Your lack of documentation would constitute a violation of FDCPA 1692d, 1692e, 1692g ( b ), and 1692f. Therefore, I demand the immediate removal of this account from my credit records.

Per the doctrine of estoppel by silence ( Engelhart v. Gravens, Mo. 281 S.W. 715, 719 ), as I have not acknowledged any debt, I presume none exists. Failure to provide evidence within 30 days will confirm this accounts invalidity. I expect a written response confirming its removal from my credit report. 

Sincerely, XXXX.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 
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 recently obtained a copy of my credit report and was taken aback by the unsettling findings therein. My scrutiny revealed the presence of late payments, which, in accordance with established regulations, unequivocally should not be part of the recorded credit history. Below, I have detailed the specific discrepancies for your reference : Account Name with Late Payment ( XXXX ) : PHL Date ( XXXX ) of the Late Payments : XX/XX/XXXX, XX/XX/XXXX Account Number ( XXXX ) : XXXX I assert the following based on applicable legal provisions : the law unequivocally stipulates that late payments must not be included in my consumer credit report.