23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened my Chase checking account online around XX/XX/XXXX. I had a coupon code for a {$200.00} bonus if I had direct deposit made into the account by XX/XX/XXXX. 
It took a couple weeks for my employer to update my direct deposit information. So my first actual direct deposit into my new Chase account was made on XX/XX/XXXX. I receive direct deposit every Thursday now. I went into Chase on or around XX/XX/XXXX to speak to a banker and sign papers. I told her about my direct deposit and the coupon code and she verified and said yes you will be receiving that within 10 business days. I told the banker that my employer deposits my money through their bank and that bank direct deposits to my bank account. She told me not a problem. A week later I called Chase and they told me yes we see your direct deposit made by your employer and you will receive your {$200.00} bonus within 10 business days. Today I called to check the status and they told me they can not give me my bonus because my employers bank does the direct deposit and not the actual employer. I informed everyone I talked to in person and on phone how my employer does the direct deposit and they said yes its still direct deposit. Now they are going back on their word after I was promised!!
Product: Debt collection

This is my third formal request to address and resolve the unauthorized accounts and inquiries that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. This is particularly critical as I am preparing to apply for a loan that explicitly requires a high FICO score to be considered eligible. Your prompt attention to this dispute would be greatly appreciated and would help me move forward with my financial plans. Thank you in advance for your support and cooperation.
Product: Debt collection

I just received a call today XX/XX/XXXX from Midland Funding regarding a debt owed for an XXXX XXXX XXXX XXXX opened in XX/XX/XXXX ( when I lived in XXXX  ) . I have NEVER had an XXXX account until this year via XXXX XXXX, which is currently valid and in good standing. This debt has never once shown on my credit report to where I would have been alerted to this fraudulent card. The address they had for me then is for an address I lived at briefly in XXXX  ( XX/XX/XXXX-XX/XX/XXXX ) with an ex boyfriend. Midland said statements ( 4 ) were sent to that address in XXXX. Again, if i had seen a statement it would have alerted me to the fraud and I would have reported it sooner. Again my current XXXX credit card is the 1st XXXX credit card I have ever had.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a bankruptcy on my Experian credit report due to the fact they did not directly co fact the courts to verify the information and I have a letter from the courts confirming they did not. I have tried to submit the documentation to them and they will not allow me to do so. It has been removed from XXXX  and XXXX  already.
Product: Credit reporting or other personal consumer reports

I am formally requesting the removal of this inaccurate late payment from my account. My payment history demonstrates consistent timeliness, and it is unjust for me to face repercussions for an error beyond my control. I respectfully ask that you promptly update my account to accurately reflect the correct information..
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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
Product: Checking or savings account

I sell items on resell websites. I listed items for sale on XXXX. I received a message From XXXX stating that I made a sale and needed to enter my bank/card info in order to verify that I in my bank are legitimate. They would then charge a XXXX time transaction that would instantly be reversed. So I followed the instructions and gave my card information. They said I would receive a text from my bank asking if it was me making the transaction and to say yes so I did. They took {$190.00} from my account, but did not reverse the transaction and give my money back like promised. That is when I found out that it was a scam and not really XXXX. I tried contacting my bank ( fifth third ) to dispute the transaction twice. I provided info and proof that it was a scammer and that they were not who they said they were. However, my bank denied the dispute and declared it a legitimate transaction both times. So my account has been negative for about XXXX months now. They will not reverse the charge and give me my money back. They are letting the scammers keep my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to dispute this with trans union and XXXX  but they wont allow me to dispute it anymore. I settled this account in full on XX/XX/20 with XXXX XXXX XXXX XXXX. There number is XXXX. Please update. Please see attached letter. I have been trying to dispute this but trans union/XXXX  refuse to allow me to dispute again.
Product: Debt collection

CHASE AUTO XXXX AND XXXX XXXX KEEPS CALLING MY NO.XXXX, 11 CALLS FROM Chase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Credit Bureaus to delete these suspicious items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT and I'm including them again. 

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: Money transfer, virtual currency, or money service

Unlinked ( XX/XX/2020 ) a previously authorized/linked account. Unable to complete a routine transaction/ gain access to account through platform ( XXXX ) .previously linked for over 1 yr
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was 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 that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My complaint is for Beyond Finance, it is a debt consolidation company that offer " help '' people with economic hardship like me now. They offer to make settlement with creditors to low the total balance and monthly payments, but they do tricky things to get tge 25 % of each debt upfront instead to pay at creditors. They are not clear with customers about it, I was now in collections, I have a sue, because Beyond Finance stated me do not make more payments to creditors because they will be in charge to do that directly to the creditors. It is an abusive company that must be controlled, there are many reviews about the same complaints. I contacted them to cancel the program, but they do not want to return {$5500.00} dollars that they steal me. Please help me.
Product: Debt collection

I dispute this account off of my report because this account does not belong to me. They have not sent me an original contract with my original signature or the date it was signed or anything like that. All that they sent me was a bill and that does not show proof that the debt is mine. This debt does not belong to me, incorrect information is on my credit report because of this and I will be getting this resolved!
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with Santander Consumer USA on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but Santander Consumer USA took cash. The Finance charge is supposed to include insurance, but Santander Consumer USA made me purchase insurance separately.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX -- INQUIRIES -- XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

In XXXX of 2018, a XXXX XXXX payment was sent to Ditech Financial Services to catch up the mortgage on the house I am currently staying in. From that point, the normal monthly payment was sent in XXXX. I called to set up for automatic payments to be set up in order to keep the account current so that there would no longer be a payment issue. When I was on the phone with the customer service representative, they representative informed me that the company denied taking any form of payment and would not work with me on making the account current unless I paid for their lawyer fees. I was then told that my money was sent back to me via XXXX XXXX. The money was never returned to me and I went to seek legal counsel. The lawyer advised me not to pay Ditech Financial any more money due to them refusing any form of payment. I have tried to make the account current and I have also tried to guarantee payment through automatic bill pay. The company has refused to work with me and has now decided to foreclose on my home without trying to work with me.
Product: Credit reporting or other personal consumer reports

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX, Equifax XXXX XXXX credit report on XX/XX/2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
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 or other personal consumer reports

XXXX XXXX, XXXX, XX/XX/XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Asset Acceptnce, LLC has re-aged the debt on several accounts they hold in my name. They are reporting in accurate earliest delinquency information to the credit agencies.I have sent letters to them to verify the debt and to send me confirmation of the first delinquency date. They failed to do that and sent me only a letter saying they will note my account as disputed. Each of the debts they hold was first delinquent in 2009. They are all scheduled to fall off my credit files this year after the 71/2 time frame elapses. The re-aging of debt is illegal and Asset Acceptance , LLC is doing this to purposely scar my credit beyond the 7/12 year limit. The accounts as of now that I am referring are : XXXX : # XXXX XXXX XXXX # XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXccount Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX  Account Number : XXXX and list of Inquiries. 

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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 information is inaccurate.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 

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  15 U.S.C1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 C ( A ) ( 5 ) section states : No consumer reporting agency may make any consumer report containing any of the following information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than Seven years.

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

For several years, I work with a third party company called Earnuup, that makes payments on my behalf to my mortgage company. My mortgage was sold to XXXX and the third party sent payment to the previous servicer instead of sending to the new servicer XXXX. The third party payment company Earnup, has confirmed that they did have the funds in reserve to send to XXXX, but for some reason because of the switch to new servicer XXXX, the first payment wasn't sent. Due to their negligence, I now have a 30 day late on my payment history, and it is causing me great financial harm and emotional distress. I recently applied for a home improvement loan, and was denied due to this frivolous late payment due to Earnup gross negligence.
Product: Credit reporting or other personal consumer reports

according to 15 USC 1681 b ( 2 ) your negative accounts are 100 % inaccurate because i never gave my written consent to have them reported. 
15 USC 1681n = Civil Liability For Willful Noncompliance
Product: Debt collection

XXXX XXXX XXXX  charged off my account to XXXX XXXX XXXX per my credit report. They have not contacted me AT ALL via mail or phone call regarding this matter. Now suddenly they are calling my employer, and worse than that they are calling my boss 's direct work number!!! They have called him 4 times now just today - they tell him they need to speak to me regarding a personal credit matter - and on another call to him they told him it is regarding a collection for debt owed!!! My boss has transferred them to my direct line every time - and i don't answer because i am on the clock - so i let it go to my voicemail box - but they don't even leave a voicemail for me on my voicemail! not once have they left me a voicemail! now my boss has called me into his office and is telling me these phone calls need to stop - they are completely harassing me and they are stating details to my boss that they should not be - and they have never even contacted me directly!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my XXXX XXXX : XXXX XXXXXXXX {$790.00} XXXX  XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts DEPTEDXXXX XXXX Balance : {$7100.00} DEPTEDXXXX  XXXX Balance : {$3600.00}