23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

XXXX XXXX has called my phone 4 times a day for 2 months stalking my residence threatened my daughter if she did n't give them XXXX they would call the cops and I 'm tired of the harassment
Product: Checking or savings account

I opened an account with Marcus Goldman Sachs in XXXX. In XXXX my twin sister opened an account as well. Since that time both of our accounts have been forced closed without notice. When I called to get my account unlocked I was notified of this. While on the phone, the representative stated I would have my funds back in 7-10 days. Every time I call I get a different answer. When I called this morning Im now being told that my funds will be locked until XX/XX/23. I am not okay with this. My sister spoke with someone who said her funds will be released back to the original bank within 1-3 days. I need this resolved sooner than XX/XX/23 and Im hoping you can help.
Product: Bank account or service

I accidently sent XXXX to a closed account at TD Bank. I immediately tried to reverse and was told by TD Bank my account I sent from would be credited by TD. This happened XXXX XXXX, 2016 and I am still awaiting a positive response from TD. I have provided the tracking number to them from my " send '' account with no reolution bt TD. I am at a loss
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made repeated complaints on the same issue for the last 5 years on XXXX XXXX XXXX XXXX ( XXXX ) and Experian. It has been much work for me because I was being ignored and I need to be a squeaky wheel to get anything done. Both companies unlawfully accessed my credit report without permissible permission in XX/XX/2017. I have repeatedly requested the valid permission they used to access my report and they both refuse. XXXX company had this permission. Experian passes the buck to XXXX to protect themselves and XXXX then labels all complaints as duplicate and nothing gets accompllshed with their game.
Product: Checking or savings account

Hello, this complaint is against Chime. My transactions were XXXX XXXX {$50.00} XXXX XXXX {$65.00} XXXX XXXX {$70.00} XXXX XXXX {$90.00} XXXX XXXX {$100.00} XXXX XXXX {$50.00} XXXX XXXX {$8.00} XXXX XXXX {$100.00} XX/XX/2022 {$80.00} These transactions were made to XXXX XXXX and XXXX XXXX. XXXX XXXX was the event Planner for my XXXX XXXXXXXX. I signed a contract that would be effective XXXX, XXXX. Where it states that her and her team would be coming and decorating my daughters party. The only thing I received from her was invitations that she charged {$400.00} when they were {$340.00} she came to my house I have witnesses where she got paid cash for them. XXXX received {$180.00} from me. I got a call on XX/XX/XXXX from XXXX XXXX from XXXX XXXX phone saying she wasnt going to be able to do my daughter party due to an XXXX  I told him I was sorry not to worry. I let day go on and ask for my money from every single account including XXXX XXXX thats {$150.00} dollars she owes me from there as well. XXXX got upset and I have messages and recording where he told me he was sorry but he had nothing to do with anything but that he would try and see where my stuff was at. He then said he couldnt do anything. I asked for my money he got upset. I said theres a contract that states she would have a team regardless if anything happened to her. He said everyone is worried for her. I said I understand but I dont want to take this to court he then said he had no access to the accounts. Yet somehow he knew I was asking for the money back.. I started the disputes with CHIME and all of them were denied the disputes started since XX/XX/XXXX I have tried about more than 10 times to through e mails and calls to tell them to please help me get my money back. Today was the last call and e mail. I sent all the information to them but they just keep closing the dispute. They allowed me to get scammed. Like I said I only received the invitations and they were paid cash. I explained everything in detail to CHIME sent pictures audios but they dont care and dont help Im very upset. How many more people are they going to allow this to happen to.
Product: Credit reporting or other personal consumer reports

I am a XXXX XXXX XXXX. The information listed below, which appears on my credit report, is the result of that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX   2017 I pulled  my credit report for all  XXXX  bureaus to find an ope n    XXXX   XXXX   XXXX   account that was not mine on my credit report I sent a certified letter on  XXXX   XXXX ,    2017 ( signed for on  XX/XX/2017  ) to the provided address on the report asking the company to pl ease send me information that bearing this was indeed my account and to provide me with documentation that contained my signature and that the information they were reporting is being disputed. On  XXXX   XXXX ,    2017 the c ompany sent me a billing statement stating this was there proof. On  XXXX   XXXX ,    2017 after 31  days I did not receive anything bearing my signature so I rechecked my credit report to find the company had not placed the disclosure " notice of dispute '' on my account. I resent another certified letter on  XXXX   XXXX ,    2017 ( see   attached ) signed for  on  XX/XX/2017  asking t hem to remove this from my report since they had not provided me sufficient evidence showing this account belongs to me nor did they place the notice of dispute on my account within 30 days of my original lett er therefor violating t he Fair Credit Reporting Act and the Fair Debt Collection Practices.. It has been almost 60 days and the notice still does not appear on my consumer report nor has the company responded to  my letter s to pro vide evidence.
Product: Debt collection

I emailed the company and asked them to send a debt validation letter. It's been a little over 30 days and I have not gotten anything.
Product: Credit reporting or other personal consumer reports

On XX/XX/scrub>/2025 XXXX XXXX  from XXXX XXXX, Oregon ran my credit without letting me know they were running it until I received alerts on my email. We had an appointment at XXXX and thats when I thought they would run my credit after I test drive the vehicle which we werent able too, yet they already had ran my credit without my knowledge. Then later that day he called me saying my credit was frozen and I let him know no its not frozen since you already ran my credit trying to gaslight me. I talked to my XXXX XXXX XXXX XXXX on XX/XX/scrub>/2025 and was told the XXXX  was being too pushy and saying I had agreed to everything which is not true!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a previous complaint against Equifax case number XXXX which has been resolved, but since I filed the complaint Equifax blocked me from assessing my credit profile. 

1. Equifax placed security questions on my credit profile that has nothing to do with me.
2. I called them several times and can not get the issues resolved. 
3. One of the security questions say that I open an auto loan/lease, I have no car loan or lease.
4. The payment for the security question says I that the auto loan/lease is between {$700.00} - {$1000.00}. Now the change the payment questions to {$75.00} - {$270.00}. 
I have no open credit, but my student loan. 
5. The security says that I have open credit cards, which I do n't. 

This only occurred after I submitted my complaint against Equifax.
Product: Credit card or prepaid card

Sent documents to Comenity Bank/ XXXX requesting copy of contact with my authentic signature that started this alleged debt. Several months has past and never received contract with my authentic signature from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

We applied and were approved for COVID forbearance. PNC bank has acknowledged this. PNC has since reported those payments as late. You will see that the payments listed as late occurred during the peak of COVID and before and afterward our payment history has been perfect. PNC continues to refuse to reported updated credit information to the credit bureaus and as a result continues to damage our credit numbers. This complaint applies not only to my credit report but to my wife 's. PNC 's failure to address this after two years, is unacceptable. I have called and written several times. My wife has submitted online complaints/disputes both at the creditor and the credit bureau . To date, these payments are still reported as late. 

We ask that the government require the creditor to remove any mention of late payments as well as any other derogatory reporting. 

Thank you
Product: Credit reporting or other personal consumer reports

In XXXX, I reviewed my credit reports from Experian, XXXX, and XXXX and identified several inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). These include the reporting of late payments, charge-offs, and derogatory accounts without proper validation or investigation. The inaccuracies involve accounts with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX among others. 

For example : A XXXX XXXX account, opened XX/XX/XXXX, shows a {$230.00} past-due balance as of XX/XX/XXXX, despite disputes about its accuracy. 

An XXXX XXXX account, opened XX/XX/XXXX, reflects {$100.00} written off despite being paid and closed. 

A XXXX XXXX XXXX XXXX account, opened XX/XX/XXXX, inaccurately reports a {$360.00} past-due balance as of XX/XX/XXXX. 

I have submitted disputes and requested validation under 15 U

.S.C. 1692g, but the companies failed to correct or validate these debts. This inaccurate reporting has caused harm to my credit profile, violated the FCRAs reinvestigation requirements under 15 U.S.C. 1681i, and included practices that violate FDCPA provisions, such as harassment ( 15 U.S.C. 1692d ) and false representation ( 15 U.S.C. 1692e ).

I seek the removal of all inaccurate and unverifiable information, proper validation of debts, and compliance with federal laws.
Product: Debt collection

I sent a letter to Midland Funding LLC requesting that they validate Not verify a debt that they are reporting to the three credit bureaus. I specifically asked for a signed agreement and other supporting documentation. They provided me with no documentation to prove that I am obligated to pay them anything. They have reported delinquent information to the credit bureaus that I am asking to be deleted
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I paid in full for 11 accounts from XXXX XXXX XXXX for a total of {$2100.00} I disputed the collections and uploaded the same receipt im sending you. 2 of the accounts were deleted off my report but there are still 3 that are still on there and shows as a negative even though its completely paid off and closed. the dispute came back with accurate but still not removed. 

I also contacted XXXX XXXX XXXX about this and they said they don't do anything but report to the agencies they cant remove items that's up to the reporting agency. 

I'm trying to get my first mortgage so i'm trying to clean up my credit that is why i'm asking the credit bureaus to delete the info so that my score goes up. when i spoke to XXXX yesterday they said it has to stay on my report for 7 years which is not correct if 2 already came off. i'm trying to do the right thing here and need your help to get these removed from my reports any XXXX XXXX XXXX  on the reports.I don't see them on XXXX anymore so its just XXXX and transunion. 

On XX/XX/XXXX I paid in full {$170.00} for XXXX XXXX same as above still on report on XX/XX/XXXX i paid in full XXXX XXXX {$140.00} same as above paid, closed but not removed and lastly XXXX shows that I still owe for a car loan that was a judgement that was dismissed in court and i sent the court order and is still under collections and has not been removed or changed documents uploaded to show the accuracy. 

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

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX pa and XXXX I have a credit freeze with Transunion. I have worked hard to get to 0 hard inquires and a credit freeze is suppose to stop all creditors from pulling my credit. Well I had 6 in last week and this is with credit freeze. This is against the law and they moved company to XXXX and they are XXXX and liars. 
Fair credit reporting act section 604 says they have to verify that they will have to show evidence I did this which nobody should be able to do this with credit freeze and the fcra 604 says that have to prove this. I sent paper work in and they admit they don't know how it got through there system so it has to be through XXXX doing this. 
I want these fraud 6 hard inquierysoff my report now. Credit freeze should have stopped this but these lying XXXX says I have to prove I made inquierts but that us not are federal law.
Product: Debt collection

When my lease dated XX/XX/XXXX - XX/XX/XXXX ended I was charged " mandatory cleaning fees '' on moving out of my apartment at XXXX XXXX XXXX XXXX in XXXX AZ. I reviewed my lease and did not see any mandatory charges listed in the document. I asked the property manager to explain the charges and they produced an additional sheet of fees which was signed but with an older lease dated XX/XX/XXXX- XX/XX/XXXX. I asked them to produce this sheet with dates corresponding to the current lease of XX/XX/XXXX- XX/XX/XXXX and they were unable to produce the document. The property management said it did not matter, they would charge the fees anyways and that they did not need anything signed with the correct dates to charge these mandatory fees. They stated, " the value is too small, you won't take us to court over it. '' This is fraud, companies do not get to charge fees not agreed upon in an active lease. They have been unable to produce the correctly dated document for my last lease. 

Eventually the property manager sent the amount to collections and the collections company COLUMBIA DEBT RECOVERY LLC DBA GENESIS keeps " verifying '' that the debt is correct by supplying the last lease XX/XX/XXXX - XX/XX/XXXX which does not include the mandatory fees being charged. They are joining XXXX XXXX XXXX XXXX in committing fraud. They do not respond to communication explaining the situation.

I have included the sheet with the mandatory cleaning fees listed ( that I was charged on move out ) that is dated to match an older lease and some email communication with the property manager. Subsequent communication was over the phone, no document with correct dates was ever produced by XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The accounts XXXX XXXX XXXX ( ORIGINAL CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX  ( ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX ), which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft
Product: Checking or savings account

I have a bank account with JP Morgan Chase. After I retired, I have called the bank on problems related to charges for transactions not signed by me. Chase opened a Fraud Unit to which I submitted information and contracts. The Fraud Unit stated the claims were sustainable and reversed some of the transactions not all. This happened in two occassions this year. One of the claims stated I had to pay {$640.00} to an Accounts Payable Company and I explained why I felt I did not owe the funds. The charges occurred under circumstances not caused by my actions. Other claim was on other company asking me to pay, but I did not sign the contract. In both occassions Chase said I was Wright. 
I submitted a complaint last XXXX. It was for the retrieval of funds issued to a politician XXXX. While my mother was at the hospital, I went to bring clothing for her. The Congressman was in my way and he offered to walk with me. He left me in front of the hospital and left. After this he said I had to donate to him because he had to walk with me and he took his time to get to the hospital. My accounts were really low but I issued a {$35.00} dollars check. Chase said they will not pull the check back because I signed the check. My account ended up with {$.00} for 10 days until I received my pension check. 
Chase has closed my account with them. I had been with chase since it was XXXX XXXX in 1982. Chase said the reason for them closing the account was that I file too many claims to the fraud unit. Chase offered these services, and I appreciated the fact they did. 
I am asking that they reconsider the closing of my account but Chase Executive said the case was discussed and they are not willing to enter into further conversations. Their acts are influenced by the next door neighbor XXXX XXXX. This female showed to the bank two months ago. She was inside the bank. I had never seen her there. XXXX also showed to my office in XXXX XXXX XXXX XXXX and spoke to me there. I had to let her talking because she is constantly harassing me, and she and her husband bother me a lot. She caused two commotion in front of the house and a judge who lives on the opposite side of the street sided in her favor though I have not taken my case to civil court. He sees her bothering me but he feels I am the problem. 
For now, I need to open a bank account and I was not able to open it. The money orders get lost and it takes a long time to recover the funds paid to the Postal Office.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent letters regarding in accuracy and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute section 611 ( a is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 days so they should be deleted properly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you calls me. My information was also impacted by the echo effect data breach and may have got into the hands of the wrong person..

I feel that these accounts are adversely affecting my credit report and cost me thousands of dollars in interest every year. This is not a regular dispute. I have filed a complaint with the Federal Trade Commission and XXXX XXXX XXXX because to my knowledge. I do not recall any of these accounts. I need this problem fixed ASAP. I will not wait another 50 days to receive no response because clearly you all are ignoring me. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. Section 611 ( a ). It is plainly stated that Filion to investigate these accounts within 30 days gives a reason to immediately remove these items from my credit report has been 50 days so they should deleted promptly
Product: Mortgage

I would like to supplement my prior complaint against USBank with additional information. I believe that they have engaged in deceptive and misleading behaviour in regards to loan servicing of my construction loan. 

1. their communication that my loan would begin full amortization on XXXX/XXXX/17 would suggest that my full P & I payment would begin in XXXX 2017. However, they wanted PAYMENT of full P & I in XXXX 2017- which means that the amortization began in XXXX XXXX, 2017 -- and contrary to their representation. 
2. they have sent loan statements LATE and in a misleading fashion. I have attached their mailed notices -- please make note the postmark date as well as the amounts. With regard to the postmark dates -- they have violated servicing rules by sending notices for payment due on XXXX/XXXX/2017 on XXXX/XXXX/17. also, they have stated incorrect amounts. I just now received a loan statement for double the amount due.
Product: Credit reporting or other personal consumer reports

I disputed these charges off on my account in XX/XX/year> with no response of follow up letter. I have sent information that these charge off does not belong me and no proof were given by the creditors that these accounts belong to me. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXXXXXX XXXX ( XXXX ) XXXX Account # xxxxxx XXXX Reason for dispute : I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX,XX/XX/XXXXXXXX ( XXXX ) XXXX Account Number : XXXX XXXX Reason For Dispute : I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX ( XXXX ) XXXX Account Number : XXXX Reason for dispute : I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX (XX/XX/XXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists XXXX XX/XX/XXXX XX/XX/XXXXXXXX ( XXXX ) XXXX Account Number : xxxxxx XXXX Reason for dispute : I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I XXXX Presume that no proof of the alleged Debt, nor therefore any such debt in fact exists
Product: Bank account or service

On XXXX XXXX, XXXX I continued to pursue the collecting stolen funds {$80000.00} at Capitalone XXXX branch. In the mean time, I also lost my deposit {$9.00} at this branch. The branch manager XXXX XXXX was extremely hostile to me stating that all my accounts were closed by Capitalone bank, that I am not allowed to access the branch anymore. I have asked him to return my stolen funds especially the huge loss on XXXX XXXX, XXXX stolen by theft XXXX XXXX. He asked my to leave to contact corporate office. I have contact the customer service immediately and spoke with XXXX XXXX, he told me he filed a complaint against XXXX XXXX at XXXX branch to fire him. At this time, I file this complaint again via CFPB to ask my stolen funds to be back. See attached lawsuit. I have nothing to do with this theft bank anymore. DO NOT OWE ME. 
Acct : # XXXX Date of lost funds : XXXX XXXX, XXXX & XXXX XXXX, XXXX Amount : {$79000.00} Interest Charge : XXXX % based on the lost principle Late fee : {$100.00} per month total {$3600.00} Collection Cost : {$150.00} for 7 times branch visit Time to Spend to Collect : 14 hours at {$200.00} per hour Total {$2800.00} Pain & Suffering : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICED FRAUDULENT INCORRECT AND QUESTIONABLE ACCOUNT ON MY CONSUMER REPORT. THIS ILLEGAL ACCOUNT IS NEGATIVELY AFFECTING MY CREDIT SCORE AND HINDERING MY ABILITY TO OBTAIN CREDIT. I DEMAND THIS ACCOUNT REMOVED FROM MY CONSUMER REPORT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

Hi TransUnion, this is the last time I contacted you about this fraud account from XXXX before I have a lawyer take over this case. My information was stollen and I found this fraud account opened using my name without my knowledge. I already sent the FTC report and police and still having getting any response. I am aware that, as per 15 USC 1681 i ( a ) 6 ( B ) and 15 USC 1681 i ( a ) 5 ( B ), you are require to delete this fraud account from my credit report.