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

I went to the local US Bank ( XXXX  XXXX XXXX XXXX, XXXX, TN XXXX, XXXX-XXXX-XXXX  ) on XX/XX/2019 to close my checking/debit card accounts with US Bank -- withdrawing all funds -- due to their inability to resolve a recurring ( for 3 consecutive months as of XX/XX/2019 ) monthly double-billing of my account by XXXX XXXX. I specifically mentioned this to the manager -- XXXX XXXX -- as the reason I was closing my accounts, at which time he said that it was not their fault, as they used a 3rd-party group to resolve disputes. On XX/XX/2019, I noticed that yet another inappropriate charge from XXXX  had been posted to the accounts that he was supposed to have closed on XX/XX/2019. Once I was finally able to get him on the phone on XX/XX/2019, he said that there was nothing he could do about it, that I would have to pay the charges or he would turn it over to a collection agency. When I asked for the name of his manager, he responded that " I don't have a manager ''. He could not  possibly have been any more rude and belligerent. When I forwarded a summary of what had occurred to US Bank Customer Service via the link on their website, they responded that I would have to pay the charges, leaving no contact information, but suggesting that I would need to go to the branch office to resolve the issue! They have continued to post charges to the closed account, and have indeed forwarded the " amounts due '' to a collection agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a XXXX letter disputing two accounts that have been paid for legally and closed but still appears delinquent on my credit report. I also mailed the required documents and information to them on XXXX XXXX, 2022. Experian reached back XX/XX/2022 stating everything is accurate. I don't think it is fair to have a delinquent account remaining active on an account if it has been paid and resolved already.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I received an email from XXXX XXXX regarding an new hard inquiry on my XXXX credit report. It showed the inquiry was from CitiBank N.A. and was reported on XX/XX/year>. I do not have any accounts with that financial institution, nor did I apply for any loans or credit. I did not authorize any inquiry by CitiBank N.A. 

I filed a dispute with the credit bureau and they advised since inquiries are matter of fact, I needed to contact the company that did the inquiry. I contacted CitiBank and they advised there were no accounts, loans, or credit that was opened or applied for in my name or with my social security number. They also advised they can not make the correction with the credit bureau since they do not have anything on file under my information. They stated I needed to dispute it with the credit bureau. 

I then called the credit bureau again and XXXX who I spoke to, advised he would then file a dispute ( XXXX ) but I have not been updated to the status nor has the inquiry been removed from my credit report. 

I have been told by both companies to talk to the other an no one has been helpful. this is unacceptable. I did not authorize any inquiry and n

ow my credit score has been impacted. I have had to place fraud alerts and freezes on my credit to ensure identity theft has n
ot occurred since neither company has been able to give me an answer as to why an inquiry was done without my authorization. 

This inquiry needs to be removed immediately.
Product: Credit card

Received unsolicited mail offering pre-approved visa card from XXXX. 
Called the number to opt out. Call prompter system required I input my social security number. There was no option to take to a representative. In the fine print on the back of the offer, that number was the same as listed for XXXX, They also listed several credit rating services.without phone numbers and only addresses or XXXX XXXX XXXX. 

I called multiple numbers on the flyer. No one could take action, Was transferred to customer service who would only help me if I had their credit card. Classic Catch 22 situation.

This is an identity theft concern. We should never be asked for our social security numbers in order to prevent an action, I'm not even sure this is a legit offer from VisaXXXX XXXX Maybe just a scam to get people 's private info to use for other, not legal purposes. 

I don't want these mailers. 
I don't wish to give them my private information, I am concerned that many consumers XXXX blindly give up their critical private information and experience harm as a result. 

Even if this is a legit offer, it is not acceptable that they direct you to phone numbers soliciting this private information. 

Something is not right and I can not find a way to stop or prevent it in future unless I am willing to write multiple letters to multiple credit bureaus - and I don't know that would even be productive.
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. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

Schlee & Stillman , LLC claim I owe XXXX to XXXX, a XXXX account. I have not purchased anything from XXXX Since XX/XX/2014, XXXX fraudulent orders were placed on my account subsequently for XXXX products which I have no use or need for. Prior to these orders being placed, XXXX was advised to close account. However, request ( s ) were ignored and orders were placed thereafter. There is tracking info for only XXXX of the XXXX orders, supposedly signed for by XXXX. For the record, I do not ever sign my name as XXXX. The XXXX order, also an XXXX product, does not have any tracking info or a signature. XXXX was advised numerous times that I did not place these orders and did not receive them. Several affidavits were sent in, however, nothing done and insist I continue to send in additional ones which I refused to do. Complaints were filed with XXXX against XXXX and XXXX as well as with FDIC, CFPB ( Consumer Financial Protection Bureau ), all unresolved. They insist I pay the debt for items I did not order or receive and claim to have " thoroughly investigated '' the orders. Their " thorough investigation '' consists of verifying billing and shipping address which proves nothing. Obviously the billing and shipping addresses match, otherwise the orders would not have been processed and shipped. I have not ordered anything from XXXX since XX/XX/2014 because their prices are extremely high, you can find most of their items for less at most retailers, their service is VERY poor as I have described above. Please advise Schlee & Stillman , LLC I refuse to pay them or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The relentless presence of these fraudulent accounts is not only an inconvenience but a severe violation of my financial security and mental well-being. I was the victim and Im not sure why the CRA is not complying with the law. Im very confused why this one seems to ignore my requests. I have taken all necessary steps to report and address these incidents of identity theft, yet the continued inclusion of fraudulent accounts on my credit report is exacerbating the distress caused by the initial breach. The continuous inclusion of these unauthorized accounts is not only irritating but is causing significant distress to my mental health. I can not comprehend why the bureau persists in allowing fraudulent accounts to tarnish my credit report. 
XXXX  XXXX XXXX PLEASE DELETE!!!! 
XXXX  XXXX XXXX PLEASE DELETE!!!! 
I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ) and expect your bureau to adhere to the highest standards of accuracy and security. The current state of my credit report is not only unacceptable but poses a direct threat to my financial stability and mental health.
Product: Credit reporting, credit repair services, or other personal consumer reports

My adult son has a history on not managing his bills or money. He wanted to rent an apartment and they required a co-signer. They gave him the lease to take home and bring to me. I declined to co-sign due to his history. He brought it back to them with my name and signature on the co-sign line along with social security and driver license info ( which was available since I leave my wallet on the kitchen counter at my house ). When he got the apartment he told me he had a friend co-sign for him.

After a few months he left the apartment and defaulted on the lease.

Shortly after that I bought a new vehicle and when doing the financing, found that I did qualify for the best rate because this debt was on my credit record as reported by one of the large three credit rating agencies and was in collection. My credit report has been flawless over the past 30 years and has averaged a score of XXXX each month.

I contacted the reporting agency with the problem. They did their investigation with the collection agency and landlord. They were told that my name was on the lease and they accepted that and denied my dispute. I spoke with the collection agency, told them the story and they said I had to contact the police ( which I will not do ) and refused to remove the collection debt, I asked for a copy of the lease. They sent it and the signature is not even close to my real one. It was signed " XXXX XXXX XXXX " or " XXXX XXXX '', I sign all my letters, checks, etc.as XXXX  XXXX. 
I realize that my son is responsible for this debt but I certainly am not. This error has already cost me money on my car loan since I now must pay nearly 1 % higher on my monthly installment. 
I contend that this is the result of sloppy rental procedure on the part of the real estate company since they obviously do not require that a lease be signed in office, in the presence of their representative. Under their system, anyone can obtain personal information on another person, fill it in on the lease, take it back to the office and then bind them to the responsibility. This is what happened in this case. 
I would like to get this resolved without having to spend additional funds on legal assistance. I appreciate your help.
Product: Debt collection

Zwicker & Associates continues to harass, mislead, and intimidate me with hostile collection practices. Multiple representative claiming to represent Zwicker & Associates contact me throughout the day, threatening additional legal action. Unbeknown to me, Zwicker & Associates sent a summons to a Michigan address for which I did not reside. At the time, I was living in California and was not aware of any legal proceeding by Zwicker & Associates. As of XX/XX/2022, I offered to settle with Zwicker & Associates at {$570.00} per month for 12-months. Zwicker & Associates declined my offer ( {$6900.00} ) and thus, demanded immediate payment including my bank account information. The following are the hostile tactics used by Zwicker & Associates. 1. Sued without properly notifying of a lawsuit, sued me in a state where I did not live, sending summons to Michigan, while I was living in California. 2. Threatened and suggested my credit would be damaged. 3. Attempted to seize my property, personal bank account, demanding my debit card information. 4. Communication tactics ( repeated phone calls, using threatening and abusive language, transferring me to numerous Zwicker & Associates personnel. 5. Threatened to take additional negative legal action, taxes, and garnishment if I did not provide access to my bank account. 6. Contacted me after requesting them to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed an account that is fraudulent thats on my credit report XXXX XXXX XXXX  account with an amount of {$9800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Addresses added to my credit report that I do not reside at, incorrect balances reported. 

My social security card was stolen was I was XXXX so my information could be all over the world. 

I have full faith and credit due to XXXX  XXXX 

All debts are to be discharged by the government.

Real money is gold and silver. 


These companies are agencies and not bureaus which is false advertising. 

I do not consent to have my information shared with anyone. 

My social security card is a credit card and it has unlimited credit. 

I have full equity in the birth certificate and social security.
Product: Credit reporting or other personal consumer reports

Despite my repeated efforts to resolve the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. These items have had a profound effect on my life, causing considerable stress and anxiety. It is important to emphasize that I did not authorize or consent to the association of this information with my name, as I am a victim of identity theft.
Product: Student loan

On Tuesday ( XXXX ) around XXXX, I called XXXXGreatLakes to arrange a payment to pay XXXX of my Stafford loans IN FULL. The customer service rep gave me an amount and then took my card info so that the payment could be processed. To my surprise, I checked my online account info and found that this payment amount was not directed to the XXXX loans that I requested, but it was also spread onto my other XXXX loans. My account says that it is paid ahead by over a year, however, my request was to completely pay off XXXX loans, while not touching the others. This request was made well before the monthly due date so there is no reason to apply any type of payment to the other loans, especially considering the payment applied to the other loans included both interest and principle. Whether the payment being applied this way was due to error or due to policy, it is completely unacceptable and the customer service rep acknowledged my intent to completely pay XXXX specific loans ( XXXX with the highest interest rate ) and failed to follow through properly.
Product: Credit reporting

i got letter from XXXX that my information get exposed and to avoid identity theft they offer 1 year in Equifax silver membership for free at the same week i tried to apply for mortgage and get refused i ask why they told Equifax score XXXX and i have unpaid medical bill for XXXX $ this amount for XXXX they will take from the my lawyer after the faulty guy pay and no body contacted me that i have to pay it now they so i try to dispute my report they block my identity they said for me rong info and i have to send passport driver licence social security as fax i faxed from my layer office they did n't answer i call back they told me i have to make membership so i give them the activation code provided from XXXX they said it is not working and i have to pay for a full membership to see what is going on and be able to solve it i paid they unblock me and give me XXXX is my credit score at them XXXX XXXX at the XXXX other bureau so i ask why my bank say that my score at equifax XXXX the agent answer how if you see your score is XXXX in front of you and all the info was yes mine so i believed equifax this was XXXX/XXXX/2016 till XXXX/XXXX/2016 i went to buy a car and i decided to buy it with loan so they run my credit and my wife credit after hardly 1 hour only XXXX accepted to lend me because Equifax credit score is XXXX with high rate because i have this law score and XXXX uncollected medical payment in Equifax only the XXXX other bureau my credit is good i call them again they said that my score is went down to XXXX from XXXX because of the car loan in XXXX/XXXX/2016 i said that they give the lender XXXX as my score they said no impossible i said i have the paper from my lender show XXXX your score and the XXXX other are normal they make from other planet that i have to keep my membership running to watch my score blablabla that i have to pay again every month and no silver membership or activation code accepted it is XXXX and miss use of my info to fraud the american consumers and all the phone calls are answered in other country how our info is exposed in other country call centers it is a social security and all the USA vital info in the hand of other country and even not government just a call centers XXXX how???? the same country we get every year a fraud and the law enforcement ca n't do any thing for this gangs because they are out of rich so please stop give this equifax and any similar company dealing with vital info on foreigner soils. and I'am sure I'am not the only or XXXX of few cases it is XXXX they are complaining and XXXX impacted from the Equifax please for the security of our nation investigate this company seriously and escalated before the no tern back time thanks
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be FIXED. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/XXXX Wells Fargo XXXX XXXX staff introduces a traveling credit card, I got Introducing the Propel Card paper ( see attached file XXXX.for To qualify for the 30,000 bonus rewards points, ) and online apply and got new card # XXXX that 3 % travel ( item ) : Airline, passenger railway, hotel/motel, timeshares,, XX/XX/XXXX I pay {$1200.00} to XXXX XXXX XXXX AZ that is timeshare Owner Resort Maintenance fee belong Travel ; But I only got 1 % rewards points. I sent Message to Wells Fargo, before they said only phone talk. XX/XX/XXXX talk XXXX still no answer. XX/XX/XXXX I sent Message why I dont see Get 30K bonus points when you spend {$3000.00} in purchases in the first 3 months. item, and insist on ask Message reply. XX/XX/XXXX XXXX XXXX reply Message how important it is for you to be able to find out when your promotional 30K rewards points will reflect on your account. XX/XX/XXXX I spend more/over {$3000.00}, but still dont see bonus points. XX/XX/XXXX I sent Message again my Credit card # XXXX already use over {$3000.00} until to XX/XX/XXXX, please keep the honor as Get 30K bonus points when you spend {$3000.00} in purchases in the first 3 months. item, and deposit 30K bonus points to my reward account. But XX/XX/XXXX XXXX XXXX reply Message If you currently have an open Wells Fargo Credit Card account, or that was closed within the last 12 months, you may not be eligible for introductory offers on new credit card accounts., I dont agree description, XX/XX/XXXX I talk with Mr . XXXX XXXX who said within 15 months apply 2 credit cards, new credit card cant get bonus offer. I tell XXXX branch introduce Propel Card paper dont show you mentioned 15 or 12 months reason, If you delete bonus offer for my new card, you must notice me before, or dont accept my application. He said No, No, No., think didnt need. I also mentioned XX/XX/XXXX pay {$1200.00} timeshare Owner Resort Maintenance fee, only get 1 % rewards points, he terminated phone. XX/XX/XXXX XXXX calls said send 15 months description paper to me. I find Wells Fargo already amend/plus 15 months item to webside. Why now become 15 months, because I apply another card # XXXX in XX/XX/XXXX that just is 13 months. I claim them pay 30K bonus points and less XXXX points ; and also remind Consumer notice Wells Fargo dishonest and immoral way. Of course have other story for this card. 
Thanks,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In accordance with the Fair credit reporting act the account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

On ( XX/XX/2024 ) Aldous and Associates The amount of the debt is {$400.00}. 

I have never signed any written document saying that I owe this debt collection. 

They are violating my rights of the FCRA as a consumer. 

I do not know who they are and have no written consent from my end. 

Also, they have not verified that I owe this debt to alleged company. 

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. 

Please have this removed from all three bureaus. 

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

I reached out to the three bureaus and told them about at debt on my report that doesn't belong to me and asked them to prove the debt with my signature and the validity and send me the results and they have not. The item is XXXX XXXX # XXXX.