23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, this creditor was sent a Debt validation letter in accordance to the Fair Debt Collection Practices Act ( FDCPA ) to verify all information regarding this account which included a demand to show legal consideration that was owned, given and used by creditor to fund this account. A demand for proof of consideration and full accounting accuracy as well as proof creditor did not receive bank credit from Federal Reserve using my social security number and account. This Creditor failed to comply within the maximum time requirement to reply and provide requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has refused to investigate my credit file ( initially started XX/XX/XXXX ). XXXX  and XXXX have started investigations based on the exact same request. Additionally, Experians delays add up to more than 30 days which violates FCRA rules and subsequently the items in question must be removed. Please investigate this pattern of gross violations of my rights.

The items in question are as follows : ACCOUNTS XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2800.00} XXXX   XXXX XXXX-XXXX  XXXX XX/XX/XXXX {$650.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$86.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$320.00} XXXX XX/XX/XXXX {$9600.00} XXXX   XX/XX/XXXX {$5000.00} XXXX XX/XX/XXXX {$3100.00} XXXX XX/XX/XXXX {$160.00} XXXX   XXXX XX/XX/XXXX {$350.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$790.00} XXXX XXXX XXXX XX/XX/XXXX {$76.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$590.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

inquires part of my ftc that i sent already need the inquires to come off the dealership shot my credit all over the place without my permission XXXX XXXX XXXX classic XXXX XXXX XXXX XXXX XXXX XXXX  XXXX twice XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Capital One Venture Credit Card I had earned over 95,000 rewards points ( worth about {$1000.00} ) on a capital one Venture card. 

On or around XX/XX/2019 I used those earned points to purchase airfare, that trip was cancelled due to covid-19 the fees were refunded but the points never were. I called and requested that they are, they saw the purchase and points and they agreed they should be refunded, but said because it had been 180 days they can't credit the points back.
Product: Credit reporting or other personal consumer reports

RE : XXXX BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of XXXX. The information listed below, that is currently listed on my credit report is a result of that trafficking.Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Incorrect Name : - -- - Incorrect XXXX : - XXXX Incorrect Name : - XXXX XXXX Employer - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Employer XXXX XXXX XXXX XXXX  Incorrect Previous Address : - XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX - XXXX XXXX - XXXX XXXXXXXX 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 Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF XXXX IN PERSONS OR XXXX XXXX XXXX IF THE CONSUMER HAS PROVIDED XXXX DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX XXXX  REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Checking or savings account

I have business account with Bank of America and I opened another account online and made deposits totalling {$250000.00}. The promise was I could pay vendors by XXXX or by Wire. But when I tried to do so, their system made me use an ATM card except they never sent me an ATM card. After multiple calls I was able to figure out that they sent an ATM card to the office building my office is in but they failed to put the office suite number on the card mailer ( that suite number is on the bank account so why did they not put it on the mail ). I called twice again yesterday and was promised a call back from a superviser twice withing 24 hours but of course that has never happened. I now have a replacement ATM card but of course they did not send the pin so I can't do anything online. They could not help me online and I was advised to go into a physical location but the nearest one is nearly 300 miles away. So essentially I have {$250000.00} in the account that I can not access and I can't get anyone the phone that can help me. I have other accounts with XXXX XXXX, XXXX, and XXXX XXXX and do not have these problems with them.
Product: Debt collection

MIDLAND CREDIT MANAGEMENT has failed to validate an " alleged '' debt in the amount of {$390.00}. According to the FDCPA, the validation information must include : ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information. ( 1 ) Debt collector communication disclosure. The statement required by 1006.18 ( e ). Official interpretation of 34 ( c ) ( 1 ) Debt collector communication disclosure. Show ( 2 ) Information about the debt. Except as provided in paragraph ( c ) ( 5 ) of this section : ( i ) The debt collectors name and the mailing address at which the debt collector accepts disputes and requests for original-creditor information. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( i ). Show ( ii ) The consumers name and mailing address. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( ii ). Show ( iii ) If the debt collector is collecting a debt related to a consumer financial product or service as defined in 1006.2 ( f ), the name of the creditor to whom the debt was owed on the itemization date. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iii ). Show ( iv ) The account number, if any, associated with the debt on the itemization date, or a truncated version of that number. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( iv ). Show ( v ) The name of the creditor to whom the debt currently is owed. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( v ). Show ( vi ) The itemization date. ( vii ) The amount of the debt on the itemization date. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( vii ). Show ( viii ) An itemization of the current amount of the debt reflecting interest, fees, payments, and credits since the itemization date. A debt collector may disclose the itemization on a separate page provided in the same communication with a validation notice, if the debt collector includes on the validation notice, where the itemization would have appeared, a statement referring to that separate page. Official interpretation of Paragraph 34 ( c ) ( 2 ) ( viii ). Show ( ix ) The current amount of the debt.
Product: Debt collection

XXXX, XXXX if you are not. This is a confidential message for if you are not you must take up now. Hello. I'm not sure we had put a hold of your matter at your request, and that is a good thing, but it has expired. So you must call XXXX. I will be available today until XXXX XXXX. XXXX. We do need to follow up or unfortunately, the matter will be taken out of our hands to pay online. Go to XXXX XXXX XXXX XXXX, and click on the pay now link bank account number is XXXX.
Product: Credit reporting or other personal consumer reports

There was a hard and soft inquiry conducted on my, XXXX XXXX, credit report on XXXX XX/XX/2025 from XXXX XXXX was not initiated by me. After speaking with a XXXX XXXX agent, they looked in their system using my social security number to see if I had any products or applications with them and they could not locate any products or applications made fraudulently or by me. They advised me to contact the credit bureaus as they are not sure why this shows up as a soft and hard inquiry on my credit report. I am in the process of mailing all three credit bureaus notification of this and will enclose my driver license and copy of social security card to prove my identity as advised by the XXXX XXXX agent. In my XXXX record, there is a phone number ( XXXX ) XXXX listed and this is not a phone number associated with me. I have disputed this phone number also, as it appears on my credit report. HELP!!!
Product: Credit card

I viewed my XXXX credit report using XXXX. It shows I applied for credit to CBNA on XXXX XXXX, 2016. I submitted no application for credit of any kind at that time. This may be the result of identity theft and I want any record of this inquiry removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrectly a collection/chargeoff in the amount of {$5000.00} on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I had insurance coverage at the time and this account was paid. There is no outstanding balance due. I have attached a copy of my insurance card for reference. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureau to remove this however, I have not been successful.
Product: Checking or savings account

Wells Fargo has been a bank that has been charging overdraft fees to clients for over years, most of the clients try to make a cash deposits through ATM machines but still Wells Fargo system applies the transaction until next day, or applies the transaction same day deposit but next day still charging overdraft fees for the first transaction that got through the account, if there were 2 transactions Wells Fargo charges XXXX $ for each transaction making that a elevated negative amount charged to the clients. 

Like example, I got 1 transactions to my account on the XX/XX/XXXX of XXXX $ but my account was positive XXXX $ which give me a XXXX $ account balance, the XX/XX/XXXX I deposit a atm XXXX $ but later on I had a XXXX $ transaction coming to my account, when that was post same day on the XX/XX/XXXX Wells Fargo charge me a XXXX $ overdraft from the XX/XX/XXXX ( XXXX $ transaction ) bringing me to a XXXX XXXX so on the XX/XX/XXXX I made a deposit transfer from XXXX account to another account and pay the negative balance on the XX/XX/XXXX right bringing my balance to even, but later on was posted another charge from my car insurance, of XXXX $ and even Wells Fargo charge XXXX $ overdraft fee again base on the XXXX $ from the XX/XX/XXXX bringing my balance to XXXX XXXX 
Is so absurd how they managed their system to make seem is our foul and they are right to charge it!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been going back and forth with Experian, XXXX  and XXXX  on these accounts that reporting on my credit report. I reached out to them on XX/XX/2019 with no response from them at all. I have called about these items and disputed with a dispute Representative and still no outcome about theses accounts they just update with nothing changing. These accounts has been in forbearance with no payments that have to be made on them and I take care of my responsibility with keeping them in forbearance every year. These accounts are reporting current, then 90 days late, 120 days late, 120 days late, and 120 days late. How can that be when I have never been late and how can that be without being 30, 60, 90,  and then 120 days late that mean it's not reporting correctly and the late payments need to be removed or updated to current. They have also felt to send me validation of how they got they information showing me to be late 90 days, 120 days late on these accounts with the Dept of Education/XXXX. I sent out 13 letters to each bureau with no response from either bureaus. I just want this fixed and to report correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX. XX/XX/2023 I have a Hard Inquiry on my credit report from a company that i never authorized nor applied for any kind of loan or credit or any other financial service. I call them but no one answer the phone listed online. 

XXXXXXXX XXXX XXXX XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

Today on XXXX XXXX, 2024 around XXXX XXXX, I was discriminated against for my employment field when I went to open a checking account at Frost Bank . The location I went to is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX United States I was assisted by a XXXX lady that was working the front desk. She asked for my ID/DL, we sat down and began the enrollment process. She asked the basic enrollment question ( SSN, employer name/position, etc ). XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Once I told her my info she then asked me why I would like to open an account. I said because I need an account to put money in. I believe she asked me why I would like to open an account after I told her my occupation. She then gets up and says Ill be right back I have to speak to my manager. She comes back and said my application was denied because the address on my DL isnt in XXXX where I applied and also where I work. My address has never been an issue when I open bank accounts at physical locations. Frost Bank is not based in XXXX and only in XXXX, I just wanted to apply in person. Her and the MOD discriminated against me based on my employment and lied and said it was about the address. I know because I then went to go apply for an account online in the Frost Bank app and provided the same information I gave them at the bank. I got instantly approved with no issues. I believe they thought I was into online bank scams or anything else that gets negatively associated with the XXXX XXXX so they denied me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My id is canceled, non existent as of XX/XX/2022. Contracted XXXX to make arrangement not limited to address change. 

XXXX  cant take payments online, recently today was offered bill pay over the phone. 

What so ever they take too long to process payments according. 
I keep quoting the fact the company wont send me statements via regulated mail. 

They need to report accurate information will kindly ask to take accountability and repair my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting my Date Of First Delinquency inaccurate according to XXXX XXXX my Date of First Delinquency is XX/XX/XXXX and stated that last payment was XX/XX/XXXX before the account went to charge off. I agree that was the last payment I did was XX/XX/XXXX but the payment was returned by the bank and should have not credited to my payment history as payment last payment was XX/XX/XXXX. I am requesting Honda to delete this seven year account that they are still reporting inaccurate.
Product: Checking or savings account

On XX/XX/2018 deposit {$420.00} to my checking account, I printed the receipt with a balance of {$720.00}, next day I checked my bank application and for my surprised it showed four NSF, each one of {$29.00}. I called the bank and after almost hour on the phone the took one of the NSF charges, I called back after work and I spend two hours again on the phone, talked to a supervisor who also took two more of those NSF charges. That leave me only with one. I was asking the bank to paid the NSF charges and send a apology letter to my creditors on my behalf, but they didn't agree. I got proof of my balance before and after the deposit, also have shot screens from the bank app showing my balance. The person that I talked stated USAA is a we bank and they deposits after XXXXXXXX XXXX   are posted the next day, but he couldn't told me where in my contract this was, and like I told him isn't in the ATM for the customers to know. I'm asking for the refund of the NSF charges, and the NSF charge of {$29.00} refunded to my account, and the apology letter to my creditors. I have proof all the deposit, balance, the bank app who the person that I talked told me isnt correct ( surprise ), if that hey case, why bother. I always check my transaction on the bank app. 
Im asking for your help to resolve this issue Thansk XXXX XXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

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

The company reported to both XXXX  and XXXX  that my payments were late from XX/XX/XXXX-XX/XX/XXXX, three times as late by XXXX days then twice as late by 60-89 days late. I had paid on this loan within the XXXX day mark mid-month and paid it in full XXXX. Originally, this company re [ ported my account current but then when I received the 60-89 days late status to XXXX  and sought an investigation, the company retracted my current status ' from XX/XX/XXXX-XX/XX/XXXXas late for all three months, thus prompting me to believe this was in retribution. I paid this on this account XXXX  XXXX to cover any late fees and past due balances to ensure my account was not only paid for said month but had enough to be extra careful. Furthermore, I had taken on a new loan late XX/XX/XXXX ; said company is still reporting on my past loan ( the one I was just discussing ) and decided to report my status as 60-89 days late when I have a new loan established. My complaint is as follows : 1. My account balance was current for the months of XX/XX/XXXXand XX/XX/XXXX. 2. My account was not delinquent by 60-89 for XX/XX/XXXXand now, XX/XX/XXXX. I paid off my loan in full and closed the account during XX/XX/XXXX; my new loan was just establishedXX/XX/XXXX and was absolutely current for XX/XX/XXXX. I spoke with a company representative and asked for COVID impact relief over a late payment from XX/XX/XXXX, to which they said they would not offer. They did not take into account my active military status and would not offer any assistance. This is also the case for all this malice and everchanging credit reporting going on currently.
Product: Credit reporting or other personal consumer reports

I am requesting the information regarding the method of verification employed by your bureau to confirm the accuracy of disputed items on my credit report.

As per the Fair Credit Reporting Act ( FCRA ), consumers have the right to know how disputed items on their credit reports are verified. Therefore, I kindly request that you provide me with detailed information regarding the following : The specific method or process used by your bureau to verify disputed items.

The identity of the entity or entities responsible for conducting the verification process.

Any documentation or evidence used to substantiate the accuracy of the disputed items.

I understand the importance of accurate and fair credit reporting, and I appreciate your cooperation in providing me with transparency regarding the verification process. This information is crucial for me to fully understand the basis on which disputed items on my credit report were confirmed as accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX, and 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.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I applied for a credit card from XXXX  XXXX XXXX. The inquiry was not made through one of the credit agencies. It was made somewhere else by Early Warning Services , LLC. I had never heard of the company and was afraid to call them to find out what information they had. To protect myself, I have frozen/locked all accounts with XXXX, XXXX, and XXXX. 

I admit I am afraid to contact them. With all the misinformation and chicanery going on out here, my guts tell me to stay clear of it and not say anything. Do I need an attorney? How do I resolve this without receiving a backlash? I need help and am contacting you to find out what information was released. I hope you can help me.
Product: Debt collection

I disputed the XXXX XXXX XXXX debt on my credit report on XX/XX/year>. I let them know I was at a XXXX  XXXX shelter because the manager wouldn't accept the rent assistance from XXXX XXXX XXXX. I was not clearly told where to submit my documents. XXXX asked Kimball, Tirey, and St. John LLP to investigate my claim and update them. I only got a judgement in the mail with no other response. XXXX XXXX XXXX management Coerced my debt and has now proceeded with malicious prosecution by not investigating or attempting to acquire documents to investigate this dispute properly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of this credit account Capital One Bank Usa opened XX/XX/2016. Please investigate to ensure there is no fraudulent activity.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies my financial institution and Zelle failed to investigate my claims adequately. 
They informed me that recovering lost funds was impossible and that tracking these transactions were infeasible. The CFPB findings indicate that Zelle has not only neglected to protect consumers information but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raise a serious concerns about consumer safety.