23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Chase closed down all my accounts, one is the checking account with money inside and chase bank never refund the money inside the closed account. 2 were the credit cards, ( freedom and SPR ), chase bank locked all my accounts and I was unable to make payment on both credit cards. I was unable to log in the account to make payment and I do not have the card info with me since I barely used the physical card because I used apply pay most times. I went yo branch, they were unable to process payment because they said account were all closed but I keep getting email said my cards been charing interesting and I have to make a payment on that. But I was unable to log in the account even since the account was closed. They been saying my checking account money still being investigated and I do not know when will I have my money back even I need that money for rent, and day care and for living. I was very disappointed with Chase bank and I've been having them for over 10 years. This is very unacceptable since they holding my checking fund never send me back my money and keep charing my interesting on both credit cards I can not make payment to.
Product: Credit reporting or other personal consumer reports

I've explained that I was a part of a XXXX XXXX organization, my personal information was stolen and used against my knowledge. Each bureau removed the charge from my credit report and the charge was just put back on my credit report and not one person has contacted me from Chase informing me that this charge would be put back on my account. Please remove this from my credit report as soon as possible. This is fraud on my account...
Product: Prepaid card

I was charge by a company that posed to be XXXX XXXX l when contacting them via phone to handling a negative that is been reported to my credit report. The rep told me that it was discrepancy because the dates where errors on my credit report. I ask the rep to provide me with a letter about this error to provide to an apartment complex I was trying to move-in. The rep told me that I will need to pay {$370.00} on XX/XX/year> for the letter and will receive it within XXXX to XXXX hours via email. When I received the letter on XX/XX/year>, it didn't say anything about XXXX XXXX was reported as a error on my credit report. Then the same company that posed to be XXXX XXXX sent me a email to settle the for {$440.00}. I dispute the amount I was charge {$370.00} due to the false information from the company that posed to be XXXX Funding but was actually XXXX XXXX with CashApp and explain my issue in the dispute with CashApp and they denied my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Student loan

I have not heard from navient for a long time. All of XXXX I received bills stating that payments were being made. I know I was added to a law suit, but when I called they said my XXXX yr old mom had been making payments. She stated she made no payments. Then XX/XX/XXXX they started sending bills stating we owe XXXX. This is their negligence Don't send bills to 2  seniors citizens trying to collect on their negligence, plus I am a XXXX former XXXX worker with over 20 plus years of service, so I am dealing with that issue also. I became XXXX in my place of employment. I was never told within the year window of time to apply for retirement disability. I even submitted disability paperwork to Navient from my doctor. I lost my home and belongings behind all this. I have nothing. I have been actively been trying to find a federal position working from home which had been requested by my doctor years ago before he passed away.
Product: Checking or savings account

My son 's PNC Bank account was fraudulently hacked by some one depositing a check in his account and withdrawing the money before PNC realized the check did not clear. Because my son is a college student and does not work so no money is deposited into his account on a regular basis, PNC withdrew the monies owed by this fraudulent check from my account causing my account to not be able to pay my rent fur to the bank taking my money. Heedless to say. this has caused me all sorts of financial hardships.
Product: Checking or savings account

I wrote a check to XXXX XXXX XXXX to make a payment for my visa account on XX/XX/2022 in the amount of {$590.00}. I mailed the payment from my drop box at my local post office. The check was cashed by XXXX XXXX  XXXX XXXX and on XX/XX/XXXX of XXXX my bank, KeyBank funded the check from my account. I didn't realize what had happened until my payment to XXXX XXXX XXXX was not credited to my account. XXXX XXXX XXXX  said it could take 2 billing cycles to resolve. After I water for 2 billing cycles, I spoke to the fraud dept of KeyBank and they said I needed to filed a police report and fill out their paperwork and they would send it on to the fraud dept. The bank said it could take 90 days to be resolved. I have called every month since then and Keybank says they are waiting for XXXX XXXX XXXX XXXX XXXX to refund my money or that they will email the fraud dept. again but, they never call me back. It has been a year and I feel I should have been refunded by now. 
It is not my fault that XXXX XXXX  XXXX XXXX funded this check and Keybank paid XXXX XXXX XXXX XXXX XXXX as well. 
This account is in my XXXX mothers name and I am a signer on her account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope you can help! I sent a letter to the credit bureaus on XX/XX/2023 and gotten a response and i still have inaccurate information on my report! My understanding is that Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate. I will list the accounts below! 

1. Validate Account XXXX XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
2. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
3. Identity Theft XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 
4. Identity Theft XXXX  Account Number : XXXX Please investigate and delete from my credit report 4. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report. 
5. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report. 
6. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report. 
7. Identity Theft MONTHLY PAYMENT Account Number : XXXX Please investigate and delete from my credit report
Product: Debt collection

A concerning collection entry has unexpectedly appeared on my credit file without any prior notification, raising serious questions about its legitimacy and accuracy. The Fair Debt Collection Practices Act clearly establishes my right to request validation of any claimed debt, yet I was never properly informed of this collection or provided with the necessary documentation to verify its authenticity. This situation requires immediate attention to prevent unwarranted damage to my credit standing.
Product: Checking or savings account

I received a debit card from Wells Fargo, despite never requesting a card or opening an account. The debit card says that I have been a customer since 2021. I called Wells Fargo, and the customer service representative said that I do indeed have an account. I am concerned that Wells Fargo may have opened an account in my name without my permission, in order to solicit my business.
Product: Debt collection

On XX/XX/scrub> 2025, I received a call from Columbia Debt Recovery LLC ( Genesis Credit ) regarding an alleged apartment debt for {$5400.00} from XX/XX/XXXXat XXXX XXXX. During the call, the representative, XXXX, used intimidation tactics to pressure me into making a payment. 

He threatened wage garnishment if I did not pay, despite there being no court judgment against me. 
He claimed that it would be difficult for me to find housing with this debt on my credit report, which felt like an intimidation tactic. 
He pressured me into providing my bank account information, even after I stated that I did not feel comfortable giving it over the phone. 
He also stated that if I did not agree to payments, they would add more interest to the balance. 
Under pressure, I authorized a {$200.00} payment, which was withdrawn from my account on XX/XX/year>2025. However, despite this payment : Genesis Credit has not updated my credit report to reflect the payment. 
I have never received a mailed debt validation notice as required by the Fair Debt Collection Practices Act ( FDCPA ) only an email. 
Since learning more about my rights, I have : Revoked authorization for any future payments Disputed the charge with my bank Formally requested debt validation via certified mail I am requesting that Genesis Credit be required to validate this debt in writing before continuing any collection efforts. Additionally, they should be investigated for using coercion, misrepresentation, and intimidation tactics to obtain payments.
Product: Credit card or prepaid card

I have a loan with KOHLS/CAPITAL ONE. 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 and KOHLS/CAPITAL ONE with no successful resolution. XXXX  was the only one reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2017.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX from TD Bank, 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

all of these accounts are fraud that i came across i now have a identity iq that was able to help me filter through these unrecognizable accounts These inquiries were not authorized XXXX  XXXXXXXX XXXX XXXXXX/XX/XXXX also same company again XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX additional companies of unrecognized transactions are stated here as well XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX ACCOUNT opened XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ACCOUNT XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on [ date of first dispute ]. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : EQUIFAX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section. 
Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report. 
Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes. 
Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.
Product: Checking or savings account

I was victim of identity theft and fraud. I been going through a hardship and constantly trying to communicate with the bank on these issues. Unauthorized transactions through my debit card online, stolen debit cards, and XXXX  transactions are accumulated to overwhelming fees as I struggle to close the gap. I wanted the bank to understand what's was going and to help me, unfortunately they closed my account and sent me to collections with unfair staggering charges to never reimburse for my lost funds I suffer from and through.
Product: Credit reporting or other personal consumer reports

I would like to express my deep frustration with the repeated attempts to correct the status of several open accounts that have been erroneously marked as late. Despite my diligent efforts to rectify this issue, it persists, causing significant inconvenience and adversely impacting my creditworthiness. 

The inaccurate reporting of late payments on these accounts not only misrepresents my financial responsibility but also undermines my credibility as a borrower. As a conscientious individual, I take great care to manage my financial obligations promptly and responsibly. Therefore, it is both distressing and unacceptable to be unfairly penalized for purported late payments that do not reflect the truth of the matter. 

I have made numerous attempts to address this issue through the appropriate channels, including contacting your customer service representatives, submitting dispute forms, and providing supporting documentation. However, despite my persistent efforts, the necessary corrections have not been made, and the erroneous late payments continue to tarnish my credit profile. 

I hereby request immediate action to rectify this matter. Specifically, I expect : The accurate adjustment of the affected open accounts to reflect the correct payment history, removing any erroneous late payment notations. 
Prompt notification to the relevant credit bureaus and agencies to update my credit report, accordingly, reflecting the accurate status of my accounts. 
Transparent communication regarding the steps taken to resolve this issue and a timeline for the completion of the corrections. 
Furthermore, I demand assurance that measures will be implemented to prevent similar errors from recurring in the future. It is imperative that your organization upholds the highest standards of accuracy and integrity in its reporting practices to maintain the trust and confidence of its customers. 

Failure to address this complaint satisfactorily will leave me with no choice but to escalate this matter to regulatory authorities and explore legal recourse to protect my rights as a consumer. With this, I am asking for your assistance to correct these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A debt validation was sent via certified mail requesting information where I agreed to pay this debt & for agency to show me that they are licensed to collect the debt. It was never received.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX : {$550.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$320.00} XXXX XXXX  XXXX XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX, XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXXI XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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

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 XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX 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 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: Debt collection

YOUR COMPLAINT I am filing a complaint against XXXX, XXXX, and Experian Credit Reporting Company. I have contacted them on multiple occasions and a quick fix is done, but it reverts back to either reporting another persons information or not at all. Specifically with XXXX, after removing again someones information they state had a name similar to mine but a different social security number now approximately 2 months ago, XXXX has decided to completely stop report my credit score completely. Because if they actions as stated above I have been denied credit and charged higher interest rates. I have been denied credit and have paid higher interest fees because of their misreporting and may take legal action if it is not remedied immediately. Include a copy of your drivers license, social security card, proof of address, and the attached screenshot. Please let me know if you have any questions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX. Please remove these things off my credit report they do not belong to me. Highest Regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The complaint that was submitted in XXXX of 2022 for Equifax XXXX The company had 60 days to investigate no results nor have they removed the inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had a charge off with XXXX XXXX credit card thats been on my credit report since XXXX. Problem is, not only do I not know how this account got on my report, but neither does XXXX! Yet it remains there. Finally, today, fed up with the negative mark on my credit reports, I decided to give it another shot and call them. Ive already disputed this with the credit bureaus several times, but each time this company validated that the information they reported was correct. I asked today l, XX/XX/XXXX how much it would cost to just pay them to get rid of this, even though I truly believe its fraud. They were actually super nice and friendly, but after talking to the higher ups in the company, they said they couldnt accept a dime from me because they have NO record of me ever having an account with them. Thered be no way to apply it to my account because there is none! I asked them so if it actually were my debt and I wanted to pay it, how would I? They stated that I couldnt have. That thered be no way for them to accept money from someone theyve got no record of owing them. I then asked the woman, XXXX, ok, well then what is it youve been using to verify my account when you reply to the disputes Experian keeps sending you? She stated that it wouldnt be possible for them to verify something that doesnt exist in their system. I then asked is it possible this mystery debt was sold to a collection agency? She stated that they only do in house collections, and that even if it were sent to an outside collector, they never get rid of that information. So naturally, my last question was well can you remove it from my credit file? She stated that shed love to since clearly this is affecting me ( and my ability to purchase a house as the lender requires it to me removed, even if I must pay a debt that isnt mine. ) she stated unfortunately, shes not able to reach out to the bureaus and ask them to remove something she cant locate, and that my only course of action would be to dispute it again. Ive done this. At least 3-4 times with no success. I then called Experian, the one reporting these bogus charges. They said the same thing, the only way to remove is to dispute it. I can not have any open disputes while purchasing my home. Its my first home and Ive got a family of XXXX to care for. Im now stuck with a horrible mark on my credit that no amount of money could even help, because I do not exist in this companies system, yet they continue to report it, and Experian continues to allow it. Yet my family gets to suffer the consequences of this clear case of fraud. All possible reports pertaining to this have been filed. I await a swift response so I can proceed with my home purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was refused a XXXX XXXX card because my credit score and or Fico has not been available for about six months. I have tried to access my score from all three credit reporting agencies and they do not have a score for me. The screen will say that my score is a XXXX and that is the score I need for this card. 

It is also an identify theft crime from XXXX men because i am not interested in XXXX women for XXXX. So they are both fighting me any and every way they both can. I am trying to file with the XXXX XXXX XXXX because it is unlawful. I am trying to get a mortgage and they are using hate tactics at me.