23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/2023 I learned that my statement was reflecting an incorrect payment date, due to CONCERNING DISCREPANCIES seen in my online account and billing statement, I requested assistance and direct contact information for the dispute department. 

The representative who took my call upon transfer REFUSED to give me the appropriate contact information, thus violating my consumer rights and preventing need an opportunity to send in documentation. In total I was in the phone over 40-minutes.

The representative would not provide the necessary information required to enforce my rights as a consumer. Im concerned
that Capital one may be involved in fraudulent activity as my concerns to have the suspicious and inaccurate information in my bill investigated.
Product: Credit reporting or other personal consumer reports

My account was never late! I have had exceptional payment history 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 to be updated. 


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 XXXX days before the payment due date. 


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


I have requested proof that this information was mailed or delivered XXXX  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! 


Update the late payments from my consumer reports
Product: Debt collection

I paid my account in full XXXX XXXX with Procollect , Inc . The amount owed was {$750.00}. On this day, I was told that I would receive a letter advising that my account is paid in full. I never received the letter. I have confirmation numbers for each account. Each time I call and ask questions, they advise that my account can only be accessed by " XXXX XXXX '', who I had not been able to get a response from as he does not have a phone number or an extension ; only an email address. He did not respond to my email sent XX/XX/XXXX. I decided to call again a day later and was transferred to XXXX XXXX for the first time. He advised that my letter was sent via email XX/XX/XXXX. I advised that I have not received a letter and that it is still showing on my credit score. He said that it is not still showing however it was still showing as of XX/XX/XXXX. I asked him can he send me an email with my letter attached and I could verify that I received it this time while we are on the call. He immediately raised his voice and he stated verbatim, " I do not know who you think you are. I do not work for you and as a matter of fact, I will be adding this inquiry back to your credit report. It's was not on there but now it will be. '' XXXX also stated that doing his job was doing me a favor and that he has the power to keep this inquiry that I have paid in full on my credit. On top of him screaming at me to the top of his lungs, he stated he is the only person that can help me and he is not helping me, his actions hurt me and have a negative impact on my credit score. I have no proof from ProCollect that I have paid this in full. All I am asking for is my letter. If I received my letter in the mail as they stated, this could have all been avoided. 

Company : ProCollect Inc XXXX XXXX XXXX # XXXX XXXX, TX XXXX Confirmation # XXXX and # XXXX
Product: Vehicle loan or lease

I have a loan with CHASE AUTO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and CHASE AUTO with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dont recognize inquiries on my credit report.
Product: Debt collection

I reached out to XXXX XXXX via certified mail requesting validation of debt on XX/XX/2018. I received no response from XXXX. I waited 30 days and sent out a failure to respond letter via certified mail. I still have not heard back from XXXX and they have not provided any validation the debt is mine. 

I do not owe this debt. Please provide the following to prove this is my debt : 1 : Please provide the original contract with my signature.

2 : Provide proof that you were hired/allowed by original creditor to collect on this alleged debt.

3 : Provide proof that XXXX is allowed to collect in the state of Louisiana. 

4 : How are you validating this debt is mine? I reached out to the original creditor to request a signed contract and they stated they don't have that kind of proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts and their respective creditors are in direct violations of the FRCA laws put in place to protect me as a consumer in this country. I have contacted by phone, and mail addressing my concerns regarding these fraudulent accounts formed as a direct result of identity theft, and there was no response or solution given as far as rectifying my issues is concerned. Please see below the accounts/creditors referenced above. 

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 Below are the following US Code violations these entities have committed. 

16 CFR 681.1 ( 2 ) ( iv ) 16 CFR 660.4 ( b ) ( i ) 16 CFR 660.4 ( b ) ( iii ) 16 CFR 660.4 ( d ) ( 1 ) 16 CFR 660.4 ( e ) ( 1 ) 16 CFR 660.4 ( e ) ( 2 ) 16 CFR 660.4 ( e ) ( 3 ) 16 CFR 660.4 ( e ) ( 4 ) 15 USC 1681 ( i ) ( 7 ) states that the consumer reporting agency shall provide to aconsumera description referred to in paragraph by not later than 15 days after receiving a request from theconsumerfor that description. 15 USC 1681 ( i ) ( 8 ) states that the deletion of the information should also come within 3 business days, and 15 USC 1681 ( i ) ( 8 ) ( a ) states that I must be informed by telephone of the deletion, which would show Experian, XXXX, and XXXX are all in direct violation.

These credit bureaus and creditors are also in direct violation of 15 USC 1681c-2 ( a ) by continuing to report this fraudulent account to my credit report after numerous submissions of the necessary documentation proving I am not responsible for this debt. My rights are being violated and I will have to report this to the CFPB, FTC, XXXX  and the attorney general as well. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail, or email in a fraudulent account. None of the creditors listed above are physically capable of supplying this information, yet proceed with the continuous reporting of these fraudulent accounts ; directly violating my rights as a consumer that I am entitled to per the FCRA. 

I have attached documentation the credit bureaus deem " required '' to block fraudulent information, to this complaint. I have previously supplied this information numerous times, and the credit bureaus, even while complying with their documentation requests, continuously refuse to comply. This is a blatant disrespect for the law, as well as my rights.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> These companies abused my credit profile without my consent, even making several inquiries about it. bank without any reason or authorization
Product: Checking or savings account

XX/XX/year> I was in XXXX early XXXX/Black Friday shopping I made a deposit in a local branch & stopped at a XXXX XXXX  gas station as the day continues I noticed that my phone was no longer working & my wallet was missing which contained my debit cards & identification XXXX night I was able to re access my Wells Fargo XXXX account to discover $ XXXX of my funds were taken out of my account though a cash app name XXXX XXXX me and XXXX This person have no ties what so ever and have never done any business with said person or XXXX XXXX account Im not sure if I was sim swapped or what I just know that my funds were Stolen these transactions are completely unauthorized
Product: Credit card

Card issuer closed my account without my knowledge or permission. I was not late or had any adverse reason to close it. When I called to inquire all they would say is that I closed it and if I wanted another card I would need to reapply like a new customer. This will hit my credit and affect it. I dont agree that I should have to apply again when I already have the card and applied & was approved the first time. I tried to dispute the closing of the card but the card issuer does not care and they are of no help at all.
Product: Credit reporting or other personal consumer reports

the following list of credit pull is unknow to me I did not ask for my credit to be pulled or did I tell anyone they can pull my report this is not right how can a credit pull your file with out me saying so here is a list of the credit pulls XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> please remove these from my file because I do not know anything about these credit pull please
Product: Credit card or prepaid card

on the XXXX th of XXXX i recieved my first direct deposit from my Job in the amount of {$440.00} to my American Express acount. on XX/XX/XXXX an unauthorized money transfer to an individual whom i do not know, removed my direct deposit funds. On XX/XX/XXXX i discovered this fraudulent activity and notified American Express about the suspicious activity and opened a dispute. I changed all of my banking login information with the rep on the line with me. He told me i was all set an be on the look out for an email with the resolution to said dispute. On XX/XX/XXXX i was notified by email that my dispute was denied and my payroll check would not be credited back to my account. i called AMEX and was told to basically write a letter. i implored them to reconsider, as i work very hard for my pay as a XXXX. Again i was told there was no fraud or error. well something happened without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I received an email from Experian ( Attachment # 1 ) to my secondary email address indicating that my email address was changed on my Experian account. I attempted to login to my account and change my login credentials to prevent my credit information from being stolen. However, my credentials were no longer recognized, and when I tried to retrieve my username or password using my SSN and DOB, nothing was sent to my email as it has been changed in the system. I called Experian using various customer service numbers they list on their website ( XXXX, XXXX, XXXX, and XXXX ) and was unsuccessful. The automated messages asked me to access my account online or enter my credentials ( which were not recognized anymore ), and the only live representatives I could reach were in Business department. These representatives were not able to assist me or transfer me to a manager or Individual department. I then sent two emails to the support team on XX/XX/XXXX and XX/XX/XXXX ( Attachments # 2 and # 3 ) and never received a response. I am a former victim of identity theft and had a credit freeze on my Experian account. Despite having a notice on my account that I do not want changes made to my account without first being contacted, someone was able to take over my account. I am very concerned for my credit health.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of inquiries and accounts was unknown and erroneous. The inquiries were pulled without my knowledge while the accounts ' information was marked incorrectly. Please be noted that I have sent out letters prior to this complaint to Equifax and to the companies for them to investigate. However, there was no response from either of the parties and this is terribly causing my credit. Have these following items be corrected and removed accordingly. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX  XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX Balance : {$15000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX 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 XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX {$190.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$440.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$740.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$620.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$440.00} ; XXXX XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXXXXXX XXXX XXXX {$1200.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Checking or savings account

I went to a branch to deposit my check on XX/XX/XXXX with a teller and have had delays with my check due to what I believe was discrimination and retaliation. On the date of XX/XX/XXXX, I had a bank teller problem where she had treated me unfairly and I think she retaliated against me by " delaying '' my transaction and causing my funds to take longer than normal. It's been as of today ( XX/XX/XXXX ) that my check has still not cleared yet with the bank and I've called XXXX and XXXX to get a clear understanding of the hold time. The first customer service agent I've spoke to told me it was the branch that has the power to clear and hold a check longer than normal, then the second customer service ( on a different day ) told me it was their system that determines this which she said was too long because, and I agree with this being 11 days already. Now, before the institute responds with a rehears line, I've always deposit this financial institute check before for many years with US Bank and this check is a well established company ( XXXXXXXX XXXX ) that I have had for over 5 years as well, and this check was about the same amount as prior check amounts ( under {$1000.00} ) and I've never had a check bounce, decline or suspiciousness with a check nor my account. I've never had an overdraft or any fraud related suspicious activity with my 10 plus years with this bank. All of my accounts with US Bank is, and has been in excellent standings prior to this teller encounters which is why I believe was an act of retaliation and discrimination on that date and a person like her should not be in the banking profession mishandling Federal currencies any way she feels when she get upset with a customer. This 11 day hold is unreasonable and unprofessional when my checks always is 2-4 days ( at least from XXXXXXXX XXXX of a hold. And strangely this teller withheld my funds doing such a tragic event in world history that I guess she thought I would be like most and in dire need of money to survive during this pandemic.
Product: Mortgage

Re : Grievance Notice under Clause 20 of the Deed of Trust & 12 C.F.R. 1024.35 I am writing to report my grievances regarding the mortgage transaction involving my previous property at XXXX XXXX XXXX XXXX, XXXX, Pennsylvania XXXX. 

I recently obtained a forensic audit of all my mortgage documents. As a result, I was made aware of a significant misrepresentation within the appraisal process for my home I Purchased on XX/XX/XXXX. More specifically, the appraiser gave bad comparisons of other homes sold in the same time period for a 97 year old home. All in which only shows poor due diligence and lack of competency on the behalf of  Mr. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Thus, having proved my home was not properly valued at the time of purchase. 

Furthermore, it was discovered that the notary signed my documents before i signed my documents. I am missing several key and crucial documents ( mortgage application, HUD 1, 4506T, notice on servicing ), to my closing documents that i received 30 days after closing and not the same day or within a few days as required by law. I recently contacted Wells fargo and requested the same documents along with the Abstract title company ( dissolved ) and found the same said documents are missing to date. It was equally discovered that MERS played a part in this process which negates Wells Fargo at the time of the foreclosure was not the true holder of the note and mortgage ( date was  in XXXX ). During my foreclosure process I was not served properly, all notification was going to my next door neighbor whose mailing address was XXXX XXXX XXXX XXXX, which is my legal address, but was not my postal mailing address. I never received any notification, my neighbor had been looking online and shared with me she saw i was in foreclosure. Even when i was evicted, they went to her house first and she pointed them to my house.
Product: Credit card

i am writing to you about a dispute i filed with my capital one card.i paid a company XXXX on XXXX XXXX the company name is XXXX.i was issued a credit on XXXX XXXX iwas told there would be no refund.the company sent in the contract i signed as i knew they would.capitol one sent me a form letter about a billing dispute which is not how i wanted to dispute the charge.the charge was disputed as services not rendered or provided to me.they took way more money from me than just this on several of my credit cards.capital one never even gave me the opportunity to answer what XXXX sent in.i tried on several occasions to talk to capital one but it seems nobody would listen.this company also promised me a grant which i also found out was fraud.i am the victim and the customer but capital still lets them operate with a merchant account to commit fraud.why do they not have to prove what they did for such a ridiculous amount.i do not feel capital one even did an ounce of investigating.
Product: Payday loan, title loan, or personal loan

I have a charged off /closed account with Sun loan and every month they still adding between $ XXXX {$50.00} on my charged off account .and doing unauthorizes hard inquiries.
Product: Credit card or prepaid card

XXXX Accountnumber XXXX ... ... ..failed to notify me about reporting derogatory info.In section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after 05/2015, furnishing the negative derogatory 30, 60,90,120, 150, CO information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ) .Plus broke commercial law under UCC 9.501 that all notices were timely and properly given bydated certified mail receipt. They were not met. I asked for documentation & received no response.
Also, SYNCB/WALMARTDC '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of TX allows treble damages.
Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) SYNCB/WALMARTDC failed to send me my initial communication before placing this alleged derogatory 30, 60,90,120, 150, CO status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well.
I attached a copy of the law and the actual document from the federal reserve XXXX is held liable as well for defamation and in the state of TX a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX XXXX writ dism 'd w.o.j. )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these inquiries that does bot belong to me and i want them to be remove from my credit report. 

XXXX 1. Identity Theft XXXX  Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft MB FIN SVCS Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX Bank Account Number : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX. 
Account Number : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX XXXX Account Number : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XX/XX/XXXX This is not mine.