23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I rented an apartment in XXXX, AZ around XXXX or XX/XX/2017. Within the first month or two, I was able to terminate the 12 moth lease early because my apartment was deemed uninhabitable due to a roach and silverfish infestation. They had said there were roaches around the complex, and to be careful even though the complex was sprayed often. However, upon move-in day and over the course of my time living there, they only sprayed once despite several complaints. I gave full permission to enter premises to spray for roaches. Several times they said someone was scheduled to spray but just never showed up. There was bug infestation in and around the dishwasher, kitchen sink, bathroom sink, behind/around the fridge, in ALL of the kitchen cabinets. A hole in the cabinet also led to droppings falling in my sink. Also, I was able to break the lease because they lied about certain and specific facilities ( even when asked before I signed the lease ). They said they had a gym, a pool, and a tennis court. They had none of these. They said there was a personal trainer XXXX times a week for an hour instead of a gym. Regarding the pool and tennis court on the complex 's map, it was just a parking lot, storage, and grass. I found evidence of an undisclosed mold/mildew problem that was merely painted over ( you could still smell it ). The dishwasher leaked causing a large mold problem that rotted the cabinets and warped the floor. There was mold everywhere in the bathroom and a kitchen sink area. The bathroom breaker box did not have a cover. There was a very large ( think full jansport backpack ) sized hornet/wasp nest in our outdoor storage shed. They showed me a model apartment and said the apartment I was to be renting looked virtually the same. I was told I could not view the apartment due to it being rented. Then XXXX XXXX put me in filthy, unsanitary, unhealthy conditions. I was intentionally misled about facilities, common areas, and the ability to rent in livable conditions. There were many more issues as well. I have all documents involved with my lawyer and the XXXX XXXX complex if you would like more info. My lawyer helped me terminate the lease legally. There is no public judgment against me. However, XXXX XXXX sent me to collections for {$3200.00} with National Credit Systems. I even paid for a credit repair team named XXXX XXXX XXXX to help take the collections off. I still have the collection on my Experian credit report. I do not owe the debt. I do not deserve a near hundred point drop in credit. I can send over any and all documents, emails, and communication, if requested. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

After seeing a collection report to my credit file I hurried and called this company, never got anything in the mail, I was told I owe and if I took care of it, they would remove it. I took care of it and it is still reporting. I don't know if it's just the credit bureaus just not doing there job. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd 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 items 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 items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$1500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$560.00} XXXX XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$250.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$55.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX XXXX : {$55.00} XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$90.00} XXXX XXXX  XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX Balance : {$310.00} XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX  ( Original creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} XXXXXXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original creditor : XXXX XXXX XXXX  ) XXXX Balance : {$310.00} XXXX XXXX Inquired on XX/XX/2022 XXXX
Product: Credit reporting or other personal consumer reports

Chex systems has repeatedly cost for me to get denial of services by various banks after requesting documentation in regards to my report and theyre showing no discrepancies at this point I am confused as to how I am being denied and referred to Chex system each time but theyre saying they dont have nothing on me I believe this is in regards to a XXXX XXXX XXXXXXXX account that has been successfully disputed on their end. Chex system is refusing to disclose information and remove any in accurate information on my report I asked for an immediate removal of any information from report is not accurate.
Product: Credit reporting or other personal consumer reports

Ive contacted these companies multiple times trying to dispute these accounts. Im a victim of identity theft so these accounts are not mines. 

Accounts : XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX THESE ACCOUNTS THAT WAS FRAUDULENTLY OPENED IS CAUSING ME TO NOT RECEIVE HOUSING FOR MY DAUGHTER & I. IM A SINGLE PARENT
Product: Credit reporting, credit repair services, or other personal consumer reports

the collection account in my report, the name of the account XXXX is reporting on my file and this account dose not belong to me the original creditor is XXXX XXXX account no is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payment on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. This is unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below is a list of the disputed account. 
XXXX XXXX XXXX Balance : {$28000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ( XXXX XXXX XXXX  ) Back in XXXX of XXXX I was looking at the XXXX XXXX site, and submitted my information into a pre-approval check portal. 
It stated I was pre-approved, but I did *NOT* approve/accept the offer. I immediately backed out of it, but a card still appeared in my mailbox days later. 

After I received it, I reached out to XXXX to have them close this, which was not successful. I then started a dispute with Credit Agencies, which FINALLY got them to " terminate my account '' back in XX/XX/XXXX. 

I not once used this card. 

Today, I check my credit report and this account is still showing as open.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a critical issue regarding an unauthorized negative account associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  that continues to appear on my credit report.
Product: Credit reporting or other personal consumer reports

Transunion and XXXX refuse to remove a 90 day late that was placed on my credit report by XXXX XXXX XXXX. The report shows CURRENT TERMS MET all months until XXXX which abruptly becomes 90 days late. Then in XXXX it indicates CLOSED because I paid it off. 
Prior to my dispute, the report showed a 90 day late in XXXX and XXXX with CURRENT TERMS MET in all prior months. They modified the report by removing the 90 day in XXXX but kept the 90 day in XXXX, all other months are CURRENT. 

How could I have a 90 day late in XXXX when I paid it off ( in full ) XX/XX/XXXX? The account was posted as 90 day late XX/XX/XXXX. They did correct that but refuse to remove the 90 day in XXXX. Again how could the account go from CURRENT to 90 days late in one month? XXXX corrected this but the other two bureaus have not. 

The irony of this situation is the account was actually paid in full 2 years prior through a XXXX XXXX BK due to hardship when two family members became XXXX ill and I had to leave my job to care for them. I sold my home to pay off the BK at XXXX XXXX which included the XXXX XXXX XXXX. Months after the BK was discharged and the debt had been paid in full, XXXX XXXX contacts me stating I owe an additional XXXX. I have no idea why they added this after they were paid in full through the XXXX XXXX pay back. I made arrangements to pay them in full as soon as I received funds I was expecting which I did on XX/XX/2024. Then a week after paying them, they added 90 days to both XXXX and XXXX. 

I disputed and Tu and XXXX both refused to remove after. I disputed again and they removed XXXX 90 day but not XXXX.
Product: Student loan

Please contact me about the serious concerns I have with Navient personnel in matters of falsifying company records, lack of integrity ( intentionally making untrue accusations and proven deceit ) and unacceptable customer service.
Product: Credit card or prepaid card

My name is XXXX XXXX. I am a cardmember with CareCredit since XXXX. I have a already made a complaint to them with CFPB a few months ago because of discrimination, I had asked for a credit limit increase since I have been with them for so long and it had been the same and they denied. Yet, I know 2 people who are XXXX who have been with them for less time and they increased their credit limit when they asked. CareCredit contacted me and said they were going to look into it and never did. Now, they waited till this pandemic and in bad faith they decreased my credit limit in retaliation for the complaint that I previously filed against them. That is what they do. It is surprising to me hoe other bank institutions and big corporations are helping their consumers during this difficult time with disaster relief help in place and CareCredit awaits this hard time to lower my credit limit with no reason at all. I called them and the supervisor was extremely rude to me saying '' I Could not pay the month of XXXX '' I explained that I had called them before and explained I was directly economically affected by this pandemic and they removed the payments for XXXX and XXXX and the interest '', he also said I had missed payments when between the months of XXXX, XXXX or XX/XX/XXXX ( dont remember the exact time frame ''. I told him that I had called complaining that I had not received the bill neither any email alert and when I called about that they had fixed it. I told him that why they decided to decrease the credit limit now and if it was really my fault they would have decreased the limit around that time. In that moment I realized that they did that in a form of retaliation, specially in this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISCOVER BANK {$1900.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$2100.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$4000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX  XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX - XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX  - XXXX  XXXX {$9000.00} POSTED ON XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT DISCOVERBANK {$1900.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$92000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$2100.00} XXXX XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$4000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXXXXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT DISCOVER BANK {$1900.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$92000.00} POSTED ON XXXX XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$2100.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX  XXXX {$4000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX - XXXX {$10000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$9000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$13000.00} POSTED ON XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX - XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made me the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX - XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Debt collection

XX/XX/2023 I file a dispute with inaccurate debts and unknown inquires on my XXXX XXXX XXXX and experian hvae not respond yet I patiently waited now its been 6 months and still no change
Product: Credit reporting

Dear Consumer Bureau, I ask for you help as my husband and I are trying to purchase a home with both of our credit. I sent Equifax a letter explaining items on my credit that do not belong to me. I have filed a police report with the XXXX XXXX Police Department and have also sent a copy of the police report to Equifax. Since XXXX XXXX, I have been disputing with Equifax and they have not removed a judgment account associated with a XXXX credit card that does not belong to me. They have removed the XXXX credit card but not the judgment which is linked to this XXXX credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX 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 an account without my written consent. 

XXXX saw this error and deleted the accounts in XX/XX/2020!
Product: Checking or savings account

Each time the app or the on-line account information displays it states what the balance is. After seeing account is negative, I then make seposit to show positive. I immediately deposit, usually before the XXXX XXXX XXXX  time frame. The bank sends a notice that " You may have a overdraft fee for this account. '' The system charges me and the account is in the positive and they explain it away by stating it was from the day before. If I am shown an amount and I deposit that amount, how am I still being charged the fees for the associated items? They also see where the deposits are made and take from the deposit, fees, which then keep me overdrawn. I have contacted the bank on numerous occasions and their response is " you've reached the allowable COURTESY reversal of fees. My concern is that public reporting of balances is done in a way to keep you unaware of actual balances. The " pending '' policy should not be applicable when the funds are tranferred from one internal account to the other. This is unfair business practices and an intentional way to " milk '' my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  Account XXXX has violated my rights. 
In Accordance with the Fair Credit Reporting Act : XXXX  Account XXXX has violated my rights. 
In Accordance with the Fair Credit Act : XXXX Account XXXX has violated my rights. 
In Accordance with the Fair Credit Reporting Act : XXXX XXXX account XXXX has violated my rights. 
In Accordance with the Fair Credit Reporting Act : XXXX XXXX XXXX  account XXXX has violated my rights. 

USC 15 1681 section 602A States I have the rights to privacy.

USC 15 7681 section 604A section 2 Italso states a consumer reporting agency can not furnish an account without my witten instruction.
Product: Mortgage

I am having a hardship as a result of covid XXXX. I have a loanm owned by XXXX XXXX and serviced by Loandepot. Loan depot refuses to offer and deferment plan. I called on XX/XX/21 and requested a cares act covid hardship deferal. I was told loandepot is not offering any deferments. I believe this is in violation of the cares act. 

Loan Depot Account # XXXX XXXX XXXX Mortgage address - XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am hoping to buy a house for the first time this year, so I want to be able to check my credit reports to make sure that everything is accurate before I apply for a mortgage. I checked my credit scores and noticed that one of my scores, run by Equifax, was almost 100 points lower than the others. This was obviously a red flag and told me I needed to check my credit reports. I found that the way to access your free credit reports is through XXXX, so I went there and filled out all of my information. I was able to access my XXXX and XXXX reports fine by answering identity verification questions about my credit history. However, when it came time to answer those identity verification questions to access my Equifax report, every question asked about loans and credit cards that I do not have and have never heard of ( another red flag ), so I was forced to answer N/A to all of the questions. For this reason, I was unable to access my Equifax report on that website. I tried going on the Equifax website, which told me that other than XXXX, the other way to receive a free Equifax was via mail by mailing the company a copy of my driver 's license, etc. This reminded me that I actually did this last year when I had the same trouble accessing my report and never received any mail back ( a third, huge red flag ). I called Equifax and explained all of the above, the employee verified my identity and then tried to make me pay {$15.00} to access my report. I know they are required by law to give me access to my report for free once per year, so this is illegal. When I complained, he said, " you expected to access your credit report FOR FREE?! '' He then proceeded to tell me that if I wanted a free report to go to XXXX, despite the fact that I had started the phone call explaining that I had already tried that. 

I am afraid this issue could ruin my potential to own a home at no fault of my own. They clearly have inaccurate information on my credit report, which could impair my ability to obtain a loan, so they should be the ones to fix it. I should not have to pay to do so.