23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX SSN : ***** XXXX Contact : XXXX XXXX XXXX Re : Disputing Inaccuracies on My Credit Report TransUnion XXXX XXXX XXXX XXXX, XXXX  XXXX OR XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX Original Creditor : 5 XXXX XXXX XXXX  To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from a total of ( 1 ) XXXX XXXXXXXX Collections Account with no Account Number. This Collection account is reporting not only as Open on all accounts, except XXXX but also shows a past due balance of [ 1 {$150.00} ]. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Finally, please send me the names and addresses of all individuals you contacted so that I may follow up with them directly. Thank you for your assistance in this matter. 


Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Capital one consumers credit card, charging me {$38.00} per month late fees, I pay all my bills every month and have done so for years. They also reported a missed payment to credit bureau and couldn't even explain which month and this dropped my score by 50 points. I pay all my bills around the XXXX to the XXXX of the months. But this capital one will charge late fees after one day.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX*** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021
Product: Checking or savings account

On XX/XX/XXXX, my mother and I opened a joint savings account at our local Chase Bank branch to deposit family inheritance from XXXX. The accounts ' purpose was explained to our local branch manager at the time, and it is our understanding that such transactions are authorized under existing regulations ( for example, Section XXXX of the XXXX Transactions and Sanctions Regulations ). I am also an existing Chase bank customer, have been banking with Chase for several years. 

On XX/XX/XXXX the first check for {$35000.00} was deposited ( remotely ), followed by a check for {$33000.00} on XX/XX/XXXX. In all, XXXX checks were deposited totaling {$69000.00}. Given the size of the transfer and the lack of direct banking relationships between the U.S. and XXXX, the funds were sent via several transfers. 

On XX/XX/XXXX, we verified the status of all XXXX deposits and Chase Bank informed us XXXX of the XXXX checks cleared. However, XXXX check was withheld for verification, totaling {$6900.00}. The bank explained this was standard banking practice. 

On XX/XX/XXXX Chase Bank closed our Savings account and froze all its funds, totaling {$69000.00}, again without customer notice or explanation. 

Despite a dozen phone inquiries, XXXX official complaints, and a written letter, we have been unsuccessful in making any progress in understanding where our money is, what the bank plans to do with it or even when/if the bank will return it. 

On a personal note this whole process has been extremely stressful on my elderly parents and myself. My parents are on fixed income and the money was intended for my fathers ' XXXX XXXX 

To date we have had absolutely no official communication from Chase Bank, which is unacceptable. These assets were transferred lawfully and while I am happy to provide additional clarification regarding them, Chase Bank has no right to seize the funds and keep them from our family indefinitely and without explanation. We urge the Consumer Financial Protection Bureau to look into this matter and urge that Chase Bank both communicate with us and release the assets.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was sold to XXXX and are reported the same old loans multiple times on all three credit bureaus Equifax, XXXX XXXX, XXXX as open. There is currently a legal action taken for fraudulent activity.
Product: Credit card

I purchased a generator from a 3rd Party seller on XXXX but used my Discover It card to pay for the purchase. 3rd Party seller sent me an E-mail saying the generator was damaged in shipment so I contacted Discover to tell them. They did a charge back from XXXX, but of course they had to notify XXXX that we did not receive the generator. Evidently, the 3rd Party seller provided XXXX a XXXX Tracking number which both XXXX and Discover used as proof that I did indeed received the generator. However, and here is the rub, written in black and white on the proof XXXX sent to Discover the UPS Tracking number was for a ONE POUND ENVELOP!!!!! By the way, I did receive the envelop, it was empty and I still have it as proof. I contacted Discover many times, also XXXX. Here is what Discover told me, they paid XXXX based on the information XXXX provided and I had to call XXXX to get the money refunded. XXXX told me that they couldn't find the transaction. 
Discover has written this debt off, however, this negative ding on my credit will be of record for the next 7 years, and has lowered my credit rating. I am being penalized because of whom ever reviewed the information, did not do their due diligence.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on XXXX. 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 XXXX. 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 to be removed. They are not in compliance with the following law. XXXX USC XXXX 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! XXXX USC XXXX ( 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX never sent the periodic statement along with the disclosures from section XXXX ( 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 XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed my student loans under bankruptcy and received a discharge.
Product: Debt collection

I asked the collection agency to validate the XXXX debt they have been trying to collect on. I received no response. Instead, I experienced more aggressive collection activity. I explained to them that this has been paid long ago and that they were reporting this same account several times. Since they refused to validate the bill I then disputed this account information as inaccurate with the bureaus. 

When I asked for validation of the debt I asked for very basic items. Absolutely no response. FCRA requires a debt be verified 30 days during which time the disputed debt is not supposed to be reported. 

The collection agency is ignoring my requests for validation, reported a disputed debt, and is re-aging and duplicating the same exact debt that was paid long ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payments are being reported on my credit reports that and inaccurate. Never had a late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX showing XXXX XXXX as delinquent. I have already tried asking them to remove as I have received the car title for this account. It has lowered my XXXX XXXX drastically and asked them to remove it however not done yet. Privacy act of 1974. I have submitted another dispute and waiting to see what the results are but need this removed immediately.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. XXXX XXXX XXXX Balanced {$0.00} XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

Please check the information concerning equafax data breach below in attachments
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 


I have included supporting documentation to substantiate my claims, including a copy of my credit report with the inaccuracies highlighted, identification documents, and any relevant proof of payment or account closure. I ask that you thoroughly investigate these errors and provide me with confirmation once they have been resolved and removed from my credit file.
Product: Debt collection

Company Name : Vance and Huffman , LLC Contacted me ( XXXX XXXX ) on behalf of a relative ( XXXX XXXX ) multiple times. 

- Without identifying myself, they told me they were attempting to collect a debt - Multiple times, my sister and I have both requested they not contact us or any relative by phone regarding this debt - I recorded a conversation with the debt collector regarding this, but they said they could not speak on a recorded line. I do have voicemails indicating illegal contact, however.