23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

US Bank does not notify customers if/when any payment has not successfully gone through. They are clearly making the paying option so extremely difficult so they can collect additional fees for " late payments ''. 

Each payment must be made by inputting your routing and bank account number EVERY time you wish to make a payment. Once completed, they immediately credit your account. 4-7 days later if there is any typo in those sequence of numbers, or if US Bank could n't define it as a savings or checking account, they refuse the payment and do not notify the borrower in email, letter or online message that the payment was unsuccessful. They mark your account late and reverse the payment. In doing so they fraudulently back date the payment reversal to the day payment was made ( which is completely erroneous ). 

In my case, the payment was made on XXXX/XXXX/XXXX but on XXXX/XXXX/XXXX they reversed the payment. However, on their end they falsify the report stating is was made and reversed XXXX/XXXX/XXXX. Additionally, I receive a letter in the mail when payment is due, an email when payment is made and NOTHING is emailed, messaged or notified when the payment was unsuccessful. They also do not indicate why the payment didnt get applied. they can not definitively say it was a typo on inputting the data, or a outright error on US Banks end. 

This company is clearly doing this to erroneously add fees to consumers accounts. They are not trying to remedy this matter. It requires consumers to call them days/weeks later to try and figure out why they have refused the payment. Resulting in customer service not being able to tell you why, how or what cause the reversal. 

I believe US Bank is violating the FDCPA and FCRA. They should be investigated as not so many consumers are now aware of their deceitful acts as I am. They need to be compliant like all other lenders who are running a reputable payment option. I 've never seen something so antiquated and illegal occurring with what should be a big bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 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 Code 1681a -Definitions ; rules of construction- Exclusion- Expect as provided in paragraph the term consumer report does not include any report containing information solely as a transaction or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late purpose.
Product: Money transfer, virtual currency, or money service

On the day of XX/XX/2018, I was scrolling my XXXX page when I saw a page for offering discount goods, like sneakers and cell phones. I direct messaged the seller per their request for " serious inquiries only '' when I firect messaged the seller, they responded within the hour. I asked was there an XXXX XXXX available for sell and the answer was " Yes '' the person said it would be {$420.00} that's including 2 Day shipping. On the page, the seller takes XXXX, XXXX XXXX, etc which I used XXXX, I also screenshotted our conversation. XXXX requested a First and Last Name, along with the sellers email. Once I transfered the funds it was rather late. So I tried contacting the seller the next day asking for a tracking number, they did not respond, so I waiting until after my classes which I would be in all day. When I tried to contact the seller again, our conversation had been deleted and I was blocked that's when I knew I was scammed. I tried contacting him through a different profile asking him amount my funds and phone, I was blocked again. His XXXX name is XXXX the email he gave through XXXX he also has another email listing on his XXXX I did not message him through email out of fear of being blocked through there. I let him know that I had been saving for months, which I had, to see if that would gain some regret in the seller, it did not.
Product: Debt collection

Sent a debt Validation letter to company to I.Q Data international in order to Validate a debt they stated I owed.. In the letter of Validation I asked the company to provide me with a Signed copy of the agreement staying that I owe what they said I owe. i also asked company to provide me with the proof that they were able to collect in my state.. After request sent priority mailI, I.Q Data International responded with only a print out of charges that included a number that did not belong to me.. After receiving, I sent a followup letter to give them another chance of properly validating my debt as I asked but I have received no response of proper paperwork from them since and its been past 30 days since I sent the follow up letter priority mail..
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I reached out to Experian regarding old address on my profile and also sent out a dispute letter with the document attached of proof of residence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX, Account # XXXX, Amount {$90.00}, but original balance is {$100.00}. XXXX XXXX XXXX has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the XXXX period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.
Product: Credit reporting or other personal consumer reports

I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exist pursuant to 18 USC 8 I owe no debt, this company is violating my consumer right to privacy pursuant to 15 USC 1681 1. ) XXXX XXXX  XXXX I owe no debt. 
XXXX. ) XXXXXXXX XXXX I owe no debt XXXX XXXX XXXX XXXX I owe no debt XXXX XXXX XXXX XXXX XXXX I owe no debt
Product: Debt collection

On XX/XX/22, I received a collections notice in the mail from FBCS. On XX/XX/22 I replied to the letter with a certified letter to FBCS ( Collection agency ) requesting a debt validation for a collections notice that I received for an electric bill on behalf of XXXX XXXX XXXX. I notified FBCS that this account does not belong to me nor have I ever conducted business or held an account with XXXX XXXX XXXX nor FBCS. I requested verification/validation of the alleged debt and specifically requested a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. FBCS did not provide the requested information. Instead they sent a response stating that I needed to complete identity theft and affidavit forms. FBCS did not comply with my request for debt validation which is a violation of the FDCPA. 
On XX/XX/22 at XXXX I spoke with XXXX XXXX XXXX XXXX XXXX ( original creditor ) to inquire about the collections notice that I received for a bill in the amount of {$260.00}. I explained to XXXX that the name on the letter is not my legal name and that this is not my bill. I also let her know that I have never lived at the alleged address that the bill is for, nor have I ever had an account with XXXX XXXX XXXX. XXXX confirmed that the social security number that is on file does not match mine and she confirmed that this is not my bill. XXXX stated that when the skip tracing was done that my contact information XXXX have mistakenly been mixed up with the person who the bill belongs to. I expressed my concern about receiving a collections notice and she told me to disregard the collections notice since the bill is not my bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) U S DEPT OF ED/XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) U S DEPT OF ED/XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately 4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 5. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately
Product: Credit card

I opened up a Jared jewelry credit card XX/XX/year>. Interest free 2 years.l 've paid my bill on time but realized my bill recently increased. I called Comenity bank and they informed me my promotional offer ended 2 weeks ago and they're unwilling to remove the charge. I offered to pay my balance while on the phone minus the interest fee and was told they still will not remove the extra finance charge. Im asking for grace a one time courtesy as a loyal customer to pay what l owe minus the interest charge.
Product: Credit reporting

EQUIFAX has refused to investigate my dispute and refused to provide me evidence to support their claim to refuse to remove a collection claim in my name despite proving to them that I took the company to court where the judge point blank told the woman to stop harassing me, treat her customers right and to remove all remarks on all XXXX credit bureaus reports.Despite me providing EQUIFAX a copy of the woman 's own written statement that she has informed them to remove collection account from my name, EQUIFAX continues for the third year in the row to refuse to remove the account. What does it take for EQUIFAX to follow the law and remove false reporting in my name? All they say that they have " investigated it " but refuse to provide me any type of evidence and documents, and completely ignore the written statement from the woman behind the claim to remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

1.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : FDCPA section 807 Violation misleading false reporting XXXX XXXX XXXX XXXX FDCPA section 807 Violation misleading false reporting XXXX XXXX  XXXX XXXX Account : XXXX
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 information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts 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 XXXXXXXX XXXX XXXX XXXXXXXX Balance : - ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; If the credit bureaus 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 item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX is still on my Equifax even though I provided a police report opened fraudulently and XXXX and XXXX XXXX are still on my XXXX as well and they refuse to remove as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an inquiry that was falsely made by Capital One Auto Finance. This credit inquiry was made on XX/XX/XXXX and XX/XX/XXXX. I sent a letter to the creditor via certified mail on XX/XX/XXXX this letter was returned, I think their address was changed or they relocated, I tried a 2nd time by resending the same letter I previously sent on XX/XX/XXXX, this letter was sent on XX/XX/XXXX which was received on XX/XX/XXXX, this company did not respond to my letter. I did not authorize anyone employed by Capital One Auto Finance to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act Spring Oaks Capital LLC, has violated my rights. 

15 USC1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : ALSO STATES A CONSUMER REPOORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT A WRITTEN INSTRUCTIONS.

15 USC 1666B : A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURP [ OSED.
Product: Credit reporting or other personal consumer reports

This situation has caused me considerable stress and sleepless nights. I have spent countless hours and days over the years on the phone, researching, and disputing these errors on my credit report a problem I didn't cause. The negative impact this has had on me, my children, and my ability to hold a steady job has been severe. I've even been on the verge of filing for bankruptcy. XXXX and its associated companies like XXXX, XXXX, LexisNexis, XXXX, XXXX XXXX and XXXX have all played a part in disrupting my life. Their errors prevent me from securing housing or stable employment, despite this being completely out of my control.
Product: Credit card or prepaid card

I applied for XXXX XXXX Application Reference No : XXXX. Chase declined the application due to previous credit card closed by Chase. There was two cards opened under my name which I reported to Chase and they sent me letters I attached which state they removed me from liability from those accounts. However, they are still using those fraud account against me when I applied for the XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I have made several attempts to have the Equifax XXXX XXXX accurately report the XXXX student loan debts on my credit report, to be either removed, paid in full, or no balance owed. 

These loans have all been XXXX by XXXX, The XXXX. Department of Education 's servicer for XXXX and XXXX XXXX XXXX. 

I have provided documentation from the loan holder stating that they have been XXXX, and I no longer have a contract with them. The Equifax XXXX XXXX still has not made the changes I have tried to dispute with them. 

XXXX and XXXX XXXX XXXX are reporting accurately.
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX, XXXX XXXX  XXXX, and XXXX XXXXXXXX XXXX XXXX XXXX XXXX Please delete these fraudulent accounts ASAP.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$13000.00} XXXX XXXXXXXX Balance Owed : {$7100.00} XXXX XXXXXXXX Balance Owed : {$170.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$1600.00} 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

basically my account was on hold for XXXX years no one emailed me back I was finally able to login and see you guys still took money out for a maintenance fee on an account i couldnt use and I never got the funds back or a new card ordered or anything Ive included screenshots showing i emailed back and appropriate time to call and also showing the fees
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX  is still showing my account was 150 days delinquent on XX/XX/XXXX. I have provided proof of payments thru XXXX of XXXX, which would not make the delinquency valid or possible. The lender has informed me they did not report negative information, but my XXXX still remains reflective of bad history.
Product: Credit reporting or other personal consumer reports

I was in the hospital and someone stole my Credit card and charged my card at Best Buy Citibank credit card
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit line increase on my VISA card ending XXXX. Request was denied on XXXX XXXX, 2017 simply because I did not yet make 12 monthly payments ( not related to my credit ). However, needlessly Cardmember Services afterwards on XXXX XXXX, 2017 made a hard inquiry against my credit and even advised " ... the consumer reporting agency played no part in our credit decision ... '' This was improper and clearly needless hard inquiry that did not play any role in creditor making decision which was already made for other reason.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the elimination of any erroneous accounts from my credit report. These accounts contain inaccuracies in their reporting. Compensation of {$1000.00} is expected for each flawed entry in my credit file.
Product: Checking or savings account

Hi I'm XXXX XXXX and I want to put a complaint on cashapp I steadily getting charged for stuff I didn't even purchase. They don't even take the time to fix it or try to and I'm tired of getting charged for random stuff... it's annoying I've had it with them not helping me fix the problem and having to lock my card constantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/ I have sent multiple letters to the Credit Reporting Agency regarding : XXXX XXXX XXXX ) ACCT # XXXX their negligent handling of my credit information. Despite numerous attempts to rectify inaccuracies on my credit report, the Credit Reporting Agency has failed to address the issues promptly and efficiently.

The Credit Reporting Agency has incorrectly listed several delinquent accounts on my credit report that do not belong to me, tarnishing my creditworthiness and hindering my financial opportunities. Despite providing ample evidence proving the errors, the Credit Reporting Agency has not taken appropriate action to correct these inaccuracies within the mandated time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

This the third time I have filed an affidavit and compliant over fraudulent and in accurate information showing on my credit report. I have never done business or opened up a line of credit with XXXX XXXX # XXXX, XXXX XXXX # XXXX this is a error please delete at once. I have a FCRA XXXX, XXXX, XXXX DISPUTE for a late payment XXXX XXXX XXXX XXXX # XXXX this is not accurate please delete. I have never been late on my XXXX XXXX XXXX XXXX. PLEASE DELETE THESE ACCOUNT THEY ARE NOT ACCURATE! I am unable to locate documentation that they complied with the of federal and state laws requirement, which is a violation of the FCRA & FDCPA. State FDCPA Laws I fail to see XXXX XXXX XXXX XXXX # XXXX in compliance with sTA OHIO LAW 1319.12 O.R.C. TAKING ASSIGNMENT OF DEBT. I also have report this account to the FTC, and XXXX Police Dept. I need this collection account to be removed from my credit report where with XXXX XXXX has not even tried to contact me regarding this Fraudulent collection if they had done so they would have known they had in fact Purchase two fraudulent third party collection accounts. Please have them remove this collection account immediately. I have submitted an FTC AFFIDAVIT for the addresses and unknown accounts on my credit file please see the attached document and FCRA 605B ( 15 U.S.C. 1681c-2 ). I HAVE ATTACHED MY POLICE REPORT AND FTC RPORT AND ID