23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This property management company is full of greed and do not care about their tenants HEALTH. I was a tenant on their property for a couple years and Ive finally had enough when they become even more negligent with their emergency property maintenance. In an email on XX/XX/2022 I stated to the property I have a XXXX XXXX XXXX daughter who lives with me and this is unacceptable. Im breathing in mold stagnant water and have been doing so for a couple days. Im going to have an inspector come and look at my apartment to see if its even habitable. 
They responded I have made the Maintenace request for you. We will get someone out there as soon as we are able to get this fixed for you. 

Best, XXXX XXXX my plumbing was never fixed and they didnt seem to care. I put in multiple emergency maintenance requests and nobody ever came to fix the issue. The bathtub wouldnt drain, the bathroom sink wouldnt drain, the toilet wouldnt flush, my washer made my clothes smell horrible, the smell of stagnant water quite possibly mold, as well as the contents of my toilet filled the apartment with the smell/odor of indescribable words. My XXXX XXXX XXXX had to brush her teeth and wash her hands in the kitchen sink for weeks. My daughter and I had to use our toilet without flushing it for WEEKS, as a result typed a letter to terminate my lease with the property, and moved into a different leasing property at this time. I stated to the attorney that My daughters and my health were at risk living at XXXX XXXXXXXX XXXX XXXX  XXXX. He did not seem to care. And he gave me the next court date for us to proceed. 
The next court date I was waiting for my docket number to present my case to a judge via zoom and I was told the case was dismissed by the clerk. I was not able to explain to a judge or jury my situation because they dismissed it. The fact that they are trying to get money from me is very disturbing given the circumstances my family had to endure. 
I have kept all of the video, picture, emails documented of all my evidence over the course of my lease. I feel that justice needs to be brought to XXXX XXXX. This company is concerned more about money than the health of its tenants. They need to be held accountable for their actions and mistakes.
Product: Checking or savings account

In XXXX of 2024, a check was sent to me for XXXX. I deposited the check to my account and after the hold period began to use the funds. Several days later i was informed that the XXXXXXXX XXXX on which the check was written declined the check due to what they termed fraudulent activity. As a result the check was denied on my account. However, we had already used {$15000.00} of the money. We requested to be refunded this amount due to the check being fraud. I was informed that this was denied because i had deposited the check not someone else.
Product: Credit card or prepaid card

On XX/XX/XXXX, I disputed a charge for XXXX from XXXX XXXX XXXX. Citibank immediately reversed the charge on that date. When I realized the charge was valid on XX/XX/XXXX, I went into the statement, selected that charge and asked to reverse the chargeback. When I did that, it took me to another screen and it said an error happened. And I noticed at that time that a disputed charge from XXXX of XXXX for XXXX appeared, but I took no other action. When I went into the statement again on XX/XX/XXXX to pay, the charge of XXXX was now part of my balance ( attached statement ). I immediately contacted Citibank and reported this. We spoke to XXXX who gave us a case number of XXXX and said it would have to be sent to their investigation unit and we should hear back within 7-10 business days. On XX/XX/XXXX, we still had not heard anything and the charge was not reversed, we contacted Citibank once again and spoke to someone else who said, after we explained what happened, that this is a KNOWN problem and it has happened to others before and that not to worry, it will get taken care of. On XX/XX/XXXX, we still had not heard anything and no changes had occurred to our account, we asked for a supervisor. We spoke to her and again she acknowledged on a recorded phone call that they are aware of this problem but they could not do anything about it. We asked to have it escalated to her manager. We received a phone call later that day from XXXX who said there was nothing that could be done. We have also contacted Costco since it's through them that we have our credit card. After numerous emails with them and phone calls, they determined they could not assist. We had a chat conversation again with Citibank on XX/XX/XXXX ( see attached ) where they said we would have to go back to the merchant since they could no longer do anything. This was their computer glitch error and we are not going to chase this money down that should not have been reversed. I hope you can assist. thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with the Credit Bureaus has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the Credit Bureaus is required by law to remove any item which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records ( learned through more research both parties require ). Please remove these files. If the Credit Bureaus feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. I need the following items deleted as soon as possible : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$150.00} XXXX XXXX  XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. DPT EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. U S DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. U S DEPT OF EDXXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 6. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 8. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 



XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e 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 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity.

Furnish information about accounts or other relationships with an accurate consumer. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, to make a lawful report, you must follow the Metro 2 compliance standards. 
Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Summary of Accounts being Challenged in list form : XXXX XXXXXXXX - Account Number:XXXX  Please investigate and delete it from my credit report. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX Account Number:XXXX  Please investigate and delete it from my credit report. 

XXXX XXXXXXXX - Account Number:XXXX Please remove inaccurate reported late payments and update to paid as agreed XXXX XXXX XXXX - Account Number:XXXX  Please remove from my public record XXXX XXXXXXXX - Account Number:XXXX THIS CONTRACT IS CANCELED XXXX XXXX XXXX XXXX - Account NumberXXXX My parent has the same name as me.
Product: Debt collection

I have contacted company to have removed because the bill is not correct. I asked for documentation validating charges but they weren't able to provide any. I asked that this account be removed off my credit report because the fair credit reporting act states they must supply me with an agreement between i and creditor and they have failed to do so and i do not owe the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of accounts and items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$10000.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I have been disputing with Equifax XXXX since XXXX Regarding account XXXX AUTO which has been reporting as a charge-off since XX/XX/XXXX. I have not received a XXXX from the company or the IRS stating that my account has been filed as a charge-off since XX/XX/XXXX. This account is also reporting a charge off XXXX in XXXX of XXXX and in XXXX of XXXX. Showing a repossession of XXXX of XXXX. This is very inaccurate and misleading information. 
This account is reporting the first delinquency occurred in XX/XX/XXXX and the last payment was made in XX/XX/XXXX Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( a ), furnishers of information are required to provide accurate information. Repeatedly reporting the same repossession as new violates this requirement and may lead to a distortion of my creditworthiness.

Additionally, according to 15 U.S.C. 1681e ( b ), you as a credit reporting agency are required to follow reasonable procedures to ensure maximum possible accuracy in the information reported. The presence of these duplicate entries is a clear indication that this standard has not been met.

15 U.S.C. 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The dates listed for my account do not reflect the correct information, which results in an inaccurate portrayal of my payment history.

Furthermore, 15 U.S.C. 1681c places specific limits on the length of time that negative information, such as delinquencies, may remain on a consumers credit report. Reporting an incorrect date of first delinquency could result in unfairly prolonging the negative impact on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The small bank has reported an " overdraft installment loan '' to my credit report late every month since 2014. I told CFPB and they said they sent to branch that over sees credit union 's but I never heard back. Additionally I told the big 3 credit bureaus that I never had an overdraft agreement with that bank, or an installment loan. I lived in another state ( Virginia ) and received no communication from XXXX   after we moved and the account was closed. Additionally I called them today, and they said the account was sold to a 3rd party and they had no control over the 3rd party and couldn't even speak to me about the balance or any loan documents. It is a real shame that no one can provide documents or help to fix this error. One last shot trying to contact everyone before attorneys get involved - I'm sure there are many consumer laws being broken. Please someone help.
Product: Credit card or prepaid card

I attempted to use my USAA VISA card to purchase tour tickets for the XXXXXXXX XXXX on XX/XX/XXXX of this year. The purchase was through the recreation.gov web site. The bank denied the charges. On XXXX XXXX I called USAA Bank and was told the credit card couldn't be used for foregin transactions. I explained that the website was clearly a government domain with the United States and that the charges shouldn't be denied. After over two hours on the phone, I was assured the issue was resolved. 
I attempted use the credit card on successive days and it was denied each time. Repeated conversations with the customer service at USAA failed to resolve the issue. Repeated attempts to use the card by recurring or programed payments were also denied by USAA. 
During a conversation on XX/XX/XXXX, I was told I would be contacted within XXXX hours by the resolution team to correct the issue with the credit card. That telephone call never came. On XX/XX/XXXX, I attempted to use the card and again it was declined. I had to cancel the card and terminate a 48 year relationship with USAA Federal Savings Bank.
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 XXXX XXXX  Account Number : XXXX Account Name : XXXX BANK Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX BANK Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  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

On XXXX/XXXX/16 tried to get Experian and XXXX credit reports through XXXX. The reports appeared but the session expired before I could print them, and when I tried to see them again ( within a couple of hours ) the system said I had to get them by mail, and could only get them if I provided a pay stub, a copy of my social security card, and a XXXX form. This does n't make sense since I did not have to provide those to see the report online. However, it said I would be able to access the reports for 30 days online, and I ca n't. So now I have used up my XXXX free annual report request with them but I do not have access to the reports. I filed a complaint on XXXX/XXXX/16 but did n't realize I had to file XXXX separate complaints, XXXX for XXXX and XXXX for Experion.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  hard credit inquiry without permission. I didn't apply for account nor increase. Unknown why hard inquiry appears on XXXX and Experian. Please remove and update score. As of XXXX no hard inquiries should appear. 

XXXX XXXX or XX/XX/XXXX hard inquiry without permission nor application. Experian. Please remove and update score. As of XXXX no hard inquiries should appear. 

Experienced many dark web activities and ALL credit bureaus should be locked and frozen due to identity theft attempts. Birth certificate, social security card stolen by landlord in XXXX. Drivers license stolen in purse in XXXX XXXX GA and by ex. Filed with each bureau credit still left vulnerable. All pertinent Information available on dark web. Please assist. Victim of breach and bureaus didn't apply extra security measures. Received email confirmation and small electronic pmt but no security measures. Please assist. Discrimination factors.
Product: Debt collection

I am showing a debt amount owed to Account Resolution Corporation for an XXXX utility bill. I currently have open accounts with XXXX with a {$0.00} balance that was paid in full to XXXX confirmation number XXXX. XXXX confirmed this was paid in full directly to them and I have disputed directly with Account Resolution Corporation who refused to remove from my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/year> showed late XXXX and it wasnt. They sent a printout ahow8ng the date was within the 30 days but still placed ir past the date. States that they can not correct the information with the bureau it is not their policy.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA - 15 U.S.C. 1681b ), a credit inquiry can only be conducted with my explicit permission. Since these inquiries were not authorized by me, I request their immediate removal from my credit report. 


XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts and inquiries deleted or updated. These are the items I demanding to be deleted immediately : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX XXXX  XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report XXXX - XX/XX/XXXX - This inquiry was not authorized - I did not authorize these inquiries please remove this from my credit report
Product: Checking or savings account

So today on XX/XX/XXXX I finally got my account cleared with Citibank. They were able to verify my phone number and send me the XXXX passcode to register phone number. XXXX hours later I was locked out once again while speaking to a different individual a different representative XXXX with the most horrible attitude with the most unwittingly way to helping a person. I am now exhausted overwhelmed and very well startled because of this I might lose my vehicle when bills are all doing behind when I trusted Citibank down in my phones are just save it to my trusted bank. I am screaming for help as this is ridiculous you speak to one individual that has no idea what happened earlier what happened then whats really going on. Someone please help me use my funds
Product: Credit reporting

On XXXX XXXX, 2016 I disputed XXXX XXXX and requested validation of the account via certified mail ( XXXX ). 
On XXXX XXXX, 2016, I received a letter stating XXXX XXXX could not locate my file and I needed to provide the full account number and social security number. 
Clearly, if XXXX XXXX is reporting this information the the credit bureaus, they should be able to validate the account. I have enclosed a copy of the signed letter with my full name along with my address. It has been over 30 days and XXXX XXXX still has not validated this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

accordance with the fair credit reporting act XXXX Account xxxxxxxx XXXX, has violated my rights. XXXX5 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: Student loan

I completed the Fraud paperwork mailed to me by Navient, obtained a police report and gave a detailed letter as to what I believed happened and how XXXX was able to get access to my social security number and other personal information. They received my completed packet called XXXX XXXX, the representative for Navient said the case is closed as they called XXXX asked if she had permission to use my personal information for the purpose of the loan, they stated she confirmed I did give her permission to place me on the loan as a cosigner and they then closed my case.