23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion & XXXX are refusing to correct all fraudulent & Identity theft accounts on my credit report. Neither Credit Reporting Agencies are Abiding with FTC rules, 609, 605, 607, 611, and 623. I have been in a constant battle with ALL THREE CREDIT REPORT BUREAU’S. My credit report was compromised and/or breached with my information. XXXX, XXXX, and TransUnion have repeatedly ignore FTC rules for conducting investigations by the consumer, also neither agency has provided me with their Method of Verification I'd requested excluding verification by XXXX is not acceptable. Each Credit Reporting Agency- stated, the Bankruptcies found in Public Records were verifed by the furnisher "US Bankruptcy Court XXXX TN", which is highly unlikely according to the US Bankruptcy Court XXXX TN. I have filed Identity theft/Fraud Affidavit with the FTC and the IRS in hopes to Block Fraudulent Accounts on my Credit Report. I will attach all documents with FTC. I included an Expedited Correction of 10 days or less from today's date XX/XX/2019. This matter has been going on for over a year. I am asking for this matter to be resolved IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

The address of XXXX XXXX XXXX XXXX XXXX IL is listed on my credit report and this address does not belong to me. My sister and mother moved out of my apartment and changed the address of their mail ; and for whatever reason my address on several accounts were changed to my sisters & mothers forwarding address. 

Experian is the only CRA who refuses to remove this account others have done so after seeing usps were at fault for this mistake ; when contacting businesses who bare this address they also state usps gave them this address not me. 

This CRA wants me to state this is fraud which its not its just the United States postal service forwarded the wrong mail cause we share the same last name. I share the same last name and same first name as my mother so I had mail going to two different address other CRA have removed the address cause it was XXXX fault not mines
Product: Credit card

Credit Cards ( Discover went boosted to my SS # identified to XXXX print report. I want help blocking with consumer protection laws inhibited with this program. XXXX has XXXX credit cards with Discover monitored and video camera tracked to my knowledge from XXXX credit counselor/disquise fly over to help in cases clearing up credit reports. USDOJ judges winging help for counselors list research help from former match time and place issues conflicting with work managers : XXXX XXXX or XXXX and fly away to help cases when working with XXXX Forum.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been working on getting these accounts off my credit for about two years. None of these accounts are mine. I've never filed XXXX in my life.
Product: Credit reporting or other personal consumer reports

I have contacted Experian by phone over XXXX times within the last 2 months to figure out why I no longer have access to my credit report through their website in which i have an account. Each time i call i get a different answer with different obstacles and my issues have yet to be resolved. I have an account with Experian.com and it has not updated my credit report information since XX/XX/scrub> 2024. I keep getting the run-around and I've even been hung up on, given random attitude because I want this issue resolved so i can have access to the personal information they are reporting. I just want access to my information and give straight answers, I am beyond frustrated.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX an unauthorized access occurred to my online Wells Fargo bank account in order to add a phone number to my account. My email was being spam bombed to hide the email that was sent out stating a change was made. 

On XX/XX/XXXX a fraudulent wire recipient was set up and a fraudulent wire was done for {$4500.00} around XXXX XXXX  EST. Again my email was being bombarded with spam to hide this activity. However, this time I saw the email notifications shortly after this fraudulent activity occurred and called Wells Fargo. It took me 40 Mins to get in touch with someone who could freeze my account and was unable to get my funds back. 

I filed a claim with the bank as I did not authorize this activity. After speaking with a claim handler who verbally told me on the phone it was a clear cut case of fraud and they were going to recommend I be reimbursed, a manager reversed that decision and denied my claim. I escalated to the Manger of that department who reviewed my claim and Wells Fargo is claiming my " device id '' was the one that performed this activity so they can not reimburse me. 

The device they said performed these actions was my work laptop. I opened a ticket with my work IT who performed a scrub of my pc and said there was no malware and they also could provide logs showing my pc was not turned on when the unauthorized phone number was added on XXXX and I was not accessing the Wells Fargo proxy server on XX/XX/XXXX when the wire activity occurred. I informed Wells Fargo of this and I was told by the claim handlers manager that because their logs show my " device id '' They won't reimburse. They also refused to share their logs with me so I could have my IT department refute their " evidence ''. 

I can't even defend myself and the proof I have this activity was not performed by me does not matter to Wells Fargo. I've closed both my savings and checking accounts with Wells Fargo and had them open new accounts to avoid further exposure. I've filed a police report. I've notified the credit bureaud to flag my account as a victim of fraud. I've changed all my online credentials. I've done everything I can and have clear evidence I am a victim but I am being treated as a criminal by Wells Fargo. 

This is the most horrific customer service experience I've ever had. All I want is to be reimbursed for something I had no involvement in.
Product: Credit card or prepaid card

Purchased furniture at XXXX XXXX store in XXXX of XXXX and financed {$5700.00} through Synchrony Bank with a promotional period of no interest until XX/XX/XXXX. 
The furniture was delivered in XX/XX/XXXX. 
The following are the transactions by statement month processed by Synchrony Bank. 
XXXX statement Charged {$3600.00}. Called Synchrony Bank to dispute charge. 
Synchrony Bank said it would credit and close the account and open a new account. 
XXXX statement XXXX account is charged {$3600.00} and credited {$3600.00} twice. Leaving a credit balance of {$3600.00} which is incorrect, called Synchrony Bank to inform them of their error. Told it would be corrected. 
XXXX statement Received credit of {$3600.00}. All is good. 
Furniture delivered in XXXX. 
XXXX statement Charged {$5700.00} for the furniture which is correct. 
Now the fun starts : XXXX statement Charged {$3600.00} and {$3600.00} and receive a credit for {$3600.00}. Call Synchrony Bank to dispute and spoke to several representatives ( 2 hours on the phone ) including one representative who said We really messed up this account. Told it would be fixed by the end of the next billing cycle. 
XXXX Statement The account is not fixed but I am also charged interest of {$170.00}. Call Synchrony Bank and ask the Representative to transfer me to their boss. After a two hour wait, I hang up and call the next day. After only a 45 minute wait, I speak to the Account Executive ( XXXX, who would not give me his last name or his bosss name or number. I told him I worked for a bank for 41 years, you have to report to someone, he said he reports to no one ). He told me it takes two billing cycles to correct disputes. 
XXXX XXXX The issue is still not resolved. 

I need help to resolve this issue, I have a charge for {$3600.00} on my account which I did not make. I have not been already charged {$350.00} in interest during the promotional period and I had to make three minimum payments of {$450.00} instead of {$200.00} to avoid causing further issues.
Product: Credit card or prepaid card

I notified Wells Fargo credit card services for 2.5 years regarding the numerous repetitive erroneous, false charges appearing on my credit card statements, for items never purchased, nor were ever delivered, and several times while reporting the fraudulent charges, I requested my card number to be changed. Instead, they increased my credit limit on the already-compromised account, still being fraudulently charged, of which they didnt investigate, make the then-XXXX  acct number unusable to combat falsely-charged items, nor did they ever remove the false charges after my numerous requests to get them to remove the false charges, change the card number or turn the card off as it continued to be falsely charged with the newly inflated credit limit. They can certainly, and should verify with delivery services ( like XXXX, XXXX, XXXX, etc. ) that the merchandise they were charging me for was never delivered to me. I spent an enormous amount of time trying to get them to be accountable, and for them to not hold me responsible for falsely-charged, reported falsely charged items, of which I would certainly not charge up on a credit card, which was eventually maxed-out with continued fraudulent charging upon the new, inflated credit limit. This should not reflect poorly or as negative on my credit report, as they were notified of the false charges in a timely manner ( XXXX ), all actual truthful charges I paid off, and the numerous hours Ive spent in sending letters and via phone calls should have been enough to warrant them verifying that I never received the products/merchandise, and for them to remove these charges from my account, I shouldnt be responsible for the reported fraudulent use of my account-credit card number after my notifying them, ( XXXX was my acct # then ), that these charges were bogus, I shouldnt have to pay for false charging on my account, I believe that they should be responsible to me for verifying these items, non-ordered/non-delivered, are removed from my account charges and corrections should be made to reflect truth. I especially should not have this account reflect negatively against me on my credit report, considering the extraordinary amount of time and energy I have had to spend in order to attempt to have these false charges against me corrected for truth, and to have the fraud removed off my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am writing to you regarding crazy situation that happened with me. I found accounts that do not belong to me. I mean they are not mine. I am identity theft victim and I am very XXXX out because of this situation. These unknown items just killed my report. Please do something and delete them
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023. Capital XXXX bank pulled my credit report without my concern and knowledge.Same issue happens on XX/XX/2023. These XXXX inquiries by XXXX was done without my knowledge.The credit inquiry listed below is unauthorized and I have attempted multiple times to contact this company directly to have them remove them and havent received a response.
Product: Debt collection

Jefferson capitol is trying to collect a debt and they failed to give me information so the debt could be validated. The debt is past the statute of limitations in Virginia.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX am notifying you that I dispute this ALLEGED debt pursuant to 15 USC 1692g. Im reaching out to make a formal complaint on the listed company. I received a notice on my credit report that my credit was decreased due to a company that Ive never heard of being added to my credit without any formal notice from this company. I reached out to the company for an original purchase agreement along with itemized statements and wasnt given one by the representative. I request the company provide me validation of this ALLEGED debt. I never gave consent to the listed company to of having my personal and private information. This constitutes aggravated identity theft. I also did not consent to this listed company reporting my personal information in my name to consumer reporting agencies.
Product: Consumer Loan

Currently my husband and I have a car loan with Lendmark Financial Services. On Tuesday night, XX/XX/XXXX, Lendmark repossessed our vehicle. The payment for the loan was 45 days past due. When we called to make arrangements to get our car out of repo, the lending company proceeded to breakdown the fees we would need to pay to get the car back. Among the fees was our XX/XX/XXXX and XX/XX/XXXX payment ( understood ), a {$620.00} repo fee ( only {$300.00} of which goes to the repo company ) AND a demand that we make our XX/XX/XXXX payment ( obviously not even due yet ) before we could get the car. 
In researching their tactics, I 've found multiple people who are having similar issues with the same lending company ( same location actually - XXXX, GA ). We also found out ( from our repo company who are more honest and XXXX than anyone we 've dealt with to date at Lendmark ) that the terms of contract have been changed by Lendmark to 25 days past due considered default. Our loan was initiated in XX/XX/XXXX and we have never received an amended terms of contract from Lendmark with this information. Each individual I have spoken to in my research have had multiple repossessions, some not even 30 days delinquent and often with payment arrangements made. After speaking with Lendmark Wednesday morning to make arrangements for payment today, XXXX ( their crooked branch manager ) went ahead and sent a send to to sale notice to the repo man. Only because the repo company is run by decent human beings, they called to question the notice since they knew we were coming to get the car today and refused to process the send to sale command or our car would have gone to the sale. There is no limit to what these people at Lendmark will do to fleece hard working families in the XXXX Georgia area. They know what they are doing is wrong and will respond with " if you ca n't make your payment how are you going to hire an attorney to fight this '' this comment was actually made to us today when I brought up many of the points above. Lendmark did not send us a letter of intent or any warning before repossessing the car. These unscrupulous practices are costing families XXXX in fees they should not be forced to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed identity theft on my credit report. There is an account on my credit for XXXX XXXX  in the amount of {$4600.00}. I have disputed this account with the company and also with XXXX, Transunion and XXXX and it is still on my credit report. It is unlawful to report this fraudulent account.
Product: Vehicle loan or lease

XXXX  of dollars in additional funds beyond amount due were improperly applied to interest rather than principle. Was essentially told thats how its done and email sent through online portal disappeared! Record of correspondence was deleted by Wells Fargo.
Product: Mortgage

We have been trying to refinance for months and we kept getting conflicting information about what FG needed from us to process our application - we went through the whole thing twice. I posted a XXXX  complaint and got a number to call which was just a generic CS number, and no one ever called us back. Now they denied our refinance application and send a debt collector to our door on a Saturday - we're refinancing with someone else, and we've been on the mortgage deferral program, so we owe them nothing
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked credit companies to do verification. They did and I found inaccuracies on my end. 

In accordance with the fair credit reporting act XXXX XXXX XXXX  has violated my rights.

15U.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 INSTRUCTION
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A IDENTITY THEFT AFFIDAVIT AND REPORTED THE FRAUDULENT ACCOUNTS TO THE CREDIT BUREAUS, XXXX, XXXX AND TRANSUNION. 
I MAILED THE AFFIDAVITS ON TWO DIFFERENT OCCASSIONS. I HAVE BEEN WAITING FOR 3 MONTHS. THOSE ACCOUNTS, ADDRESSES AND INQUIRIES ARE STILL ON MY CREDIT REPORT. 
IT DOESN'T TAKE 90 DAYS TO INVESTIGATE IDENTITY THEFT. I FEEL AS THOUGH, MY PAPERWORK HAS BEEN PUSHED ASIDE. 
THIS IS UNFAIR TO ME AS A CONSUMER AND VICTIM. 
I NEED HELP ADDRESSING THIS PROBLEM. 
THE CREDIT BUREAUS ARE NOT TREATING ME FAIRLY.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XX/XX/year> XXXX XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Acs XXXX XXXX XXXX  account and XXXX, have violated my rights. 

15 U.S.C 1681 section 602 A, states I have the right to privacy.

15 U.S.C 1681 section 602 A section 2, also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

On XX/XX/XXXX I purchased an online course called the XXXX XXXX XXXX XXXX for {$390.00} first payment and 2 more additional {$390.00} payments the following months. 

I wasn't able to start the course as soon as I purchased it as they force you to have a phone call first and this call couldn't be booked for several days as they had too many customers. I tried without the call but it didn't work as you could not go through the course no matter what you tried to do, I was blocked to proceed. 

I was finally able to talk to them like days later but was unpleasantly surprised to be told that if I really wanted this course to work properly I needed to hire them. Basically they upsell you AUTOMATION which costs anywhere from {$3000.00} to {$12000.00}. Not at all what this was supposed to be all about. 

In their sale pitch they make it sound as if it is so easy to do on your own with me putting in the due time obviously, which I was all in to do as there is not such a thing as easy money. 

The tone went from I will teach you how to do this to " I am not a pro at this but I will try my best to teach you ''. The information sold here is basically the same I can get from watching any XXXX video on how to create a channel. 

I asked to have a refund on the first payment I made immediately but was denied by XXXX without any valid reason and closed the case without giving me any other chance to dispute it. Their decision was extremely quick as they made it sound as they had given it real thought, not listening to a customer that felt scammed about a purchase. 

I have stopped all recurring payments and not planning on using XXXX XXXX system at all as it is a waste of time and money.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and disappointment regarding the persistent issue of late open account associated with my account. Despite my repeated attempts to address this matter, I find it disheartening that I am now compelled to do so for the XXXX  time. 

Despite my efforts and the assurances I received, the late open account persist, tarnishing my credit history and causing undue stress and inconvenience.

The repeated failure to address this issue is unacceptable and reflects poorly on your company 's commitment to accuracy and customer satisfaction. I have cooperated fully and provided all necessary information, yet the problem persists, with no resolution in sight.

I demand immediate action to correct this egregious error. I insist that the late open account be promptly rectified, and any adverse effects on my credit score resulting from this oversight be remedied without delay. Furthermore, I expect a formal apology for the persistent inconvenience and frustration caused by this ongoing issue. With this, I am asking for your assistance to correct this account in my credit file : XXXX XXXX Balance : {$0.00}.
Product: Credit card

I regularly make on time payments online to the credit card " XXXX '', fromantic XXXX. For some reason, a payment I made online in XXXX was not taken from my bank account. When I called to find out what had happened, the employee I spoke with said he saw the payment and to " give it a few days ''. So, I waited, and saw that it still had not withdrawn. I called back and the employee I spoke to asked which website I paid on. Apparently, according to him, they sent out emails that the website changed. I received no email, and told them I ticked on the card 's site " Paper Mail Only '' option. He said that the company decided to send emails because it was " so sudden a change ''. Yet, I was still able to make payments online on the old site. Unfortunately the payments did n't take. There were no disclaimers or notices on the old site that they changed addresses. The employees I spoke with previously did n't even mention the site change. I disputed with them, and they eventually admitted fault and refunded my late fees and took the payment. However, the credit reporting was reported as over limit with a number that did n't even reflect my balance. I called to dispute it again, and they said it would be taken care of. As of XXXX, nothing was done, and the balance still did n't match the reporting. I had a balance of XXXX, yet they reported it as XXXX. They were also reporting me as 30,60,90 days past due. I disputed with trans union and they found my claims to be correct. NOTHING has changed on the credit reporting as of today, XXXX/XXXX/2015. My credit has been SEVERELY damaged because of this. Now, they are saying my payments do not go through online because of an incorrect account number, yet, nothing is wrong. After disputing it YET AGAIN, they refunded the late fees and took my payment over the phone ( at a XXXX phone pay fee ). Now, my payment was due yesterday, but still has n't posted on my bank account. I double checked my account info on their website and it is correct. I have a feeling they are going to try to get me to pay for the over the phone fee yet again. This is criminal practice. The last rep I spoke with told me that being over balance would n't hurt my credit, then proceeded to ask me personal questions about where I live. This is illegal, is it not? I want my credit back, these criminals held accountable, and this balance fixed!
Product: Consumer Loan

I borrowed {$8900.00} dollars and the being reported to the credit bureau is {$16000.00}. I asked why is an inaccurate amount being reported to the credit bureaus, they replied that they are reporting interest just in case the loans carries out to XXXX years. This is a misrepresentation. How could they report unearned interest over time plus principle instead of just principle. Other creditors will assume that I took out a larger loan than I did and it messes up my debt/ratio balance. I want the balance corrected. 


This complaint is against One Main Financial ( a subsidiary of CitiFinancial ) Branch number XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA, XXXX ( XXXX ) XXXX