23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Dear cfpb, I hope this message finds you well. I am writing to express my deep concern and frustration regarding a recent transaction that took place on my account without my knowledge or consent. I discovered a {$100.00} transaction from my bank account linked to Venmo, which I had not authorized. Upon reviewing my Venmo account, I realized that this transaction occurred while my phone was left unattended. 

I immediately contacted Venmos dispute department and provided details regarding the unauthorized nature of this transaction. Unfortunately, my claim was denied without explanation, and I was not given the opportunity to fully explain the situation. I also pointed out that the recipient of the funds had purchase protection turned on, which should have triggered a more thorough review, yet my concerns were not addressed. 

I am a recent XXXX XXXX XXXX with significant student loans, and this unauthorized transaction has put me in a difficult financial situation. As a result of studying at public places such as libraries and cafes, I believe someone may have taken temporary control of my phone and processed this transaction without my knowledge. 

What makes this situation even more distressing is that I was advised to contact the recipient directly, despite having no prior knowledge of this person and feeling unsafe reaching out. Given the circumstances, I do not feel comfortable engaging with someone I believe may have acted dishonestly. 

I kindly help my case and provide any assistance in recovering the funds. I have been a responsible user of your platform, and I hope you can understand the severity of this situation. Your attention and prompt action on this matter would be greatly appreciated. 

Thank you for your time and understanding. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two accounts with XXXX XXXX and they are reporting inaccurate late payments payments were deferred and should not be reporting late XXXX XXXX tells me to take it up with the bureaus while they bureaus tell me to take it up with XXXX XXXX I have been reaching out to both with no help I would like all late payments off my reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax incorrectly shows a XXXX XXXX XXXX revolving credit card account as OPEN. It is CLOSED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Freedom debt relief has ruined my credit. they may have a lawsuit against them. Need help getting my money back. How do i get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two items that on my Experian report is in collection when I have two documentation that one item XXXX XXXX was settled but still show negative on my report which should be in positive status, and paid for deletion removal letter from XXXX which also still show negative in collection. XXXX and XXXX remove both of these items, so I do not know why Experian will not update this information as all three credit bureau should be working hand in hand.
Product: Debt collection

I have an outstanding bill of {$310.00} that I am disputing. I have been dealing with XXXX XXXX XXXX  and XXXX XXXX customer service teams sinceXX/XX/XXXX. My issue started when I initially tried to do a transfer of billing responsibility. After numerous 60+ min phone calls with their XXXX  lines, I eventually went into an ATT store, where they advised me to just cancel my account and start over. They ensured me that I would not be charged for the months I was without cable ( XX/XX/XXXX) - however, I recently received a bill from a collection agency in XXXX. Followed by numerous harassing phone calls from the Collections Agency ( they've called me 12 times today alone, in the past hour ). When I did try to settle my bill with them, XXXX, the bill collection agency, was incredibly rude and threatening.

Therefore, I tried to call XXXX XXXX XXXX and XXXX   to resolve the bill directly with them, neither of who will actually take responsibility and offer any helpful solution. They are stating I have an outstanding bill for two months of service that were never paid. However, I did not have cable in my house from the months of XX/XX/XXXX In XX/XX/XXXX, my service was finally re-installed per XXXX XXXX XXXX XXXX  suggestion, to set up a new account. I should not have to pay for two months of service I did not have, due to lack of record keeping. They are trying to say my services were not turned off until XX/XX/XXXX- which is not true.

All in all, this has been the most miserable experience. There has not been a single customer service representative who has been able to provide me with a helpful solution, and instead I've been passed off from department to department, just to have to start my explanation over. I originally signed up for XXXX internet + cable, but through the transfer of billing responsibility, my bills were split and my headache began. I was never provided with a XXXX account number, login information, etc., I also called numerous times to have the information on the account switched, to which lead to never being saved. So, when I called to get assistance, I would spend 45 min just trying to log into the proper account because XXXX has no insight into XXXX XXXX  and vice versa.

Let me end by saying I have been dealing with this headache since XXXX XXXX XXXX, coming up on 9 months now. I am exhausted and would just like to a resolution. I don't feel its right I pay a $ 300+ bill, for services I did not have and an experience I deemed so terrible I ultimately *paid more* to cancel.
Product: Credit card or prepaid card

TD Card Services charged my checking account for the full balance on a balance transfer of 2 months earlier via their balky and confusing digital payment website. Why would I transfer a XXXX balance XXXX a 3 % fee only to pay it off 2 months later. I made it clear when bal xfer was done I intended to pay it down at $ 100 monthly. After the XXXX XXXX worked as intended they charged the full balance in month XXXX against my checking account. I have spent many hours, incl multiple XXXX minute wait times to reach them, to explain and have this matter resolved. They agreed to reverse the full pmt, only to treat it as a new purchase rather than the transfer incurring XXXX interest thru XX/XX/2023. 
The whole experience was a nightmare of failures on their part to correct the problem. I have finally resolved to pay of the amount remaining that I borrowed less all fees and interest they have charge over the last XXXX 9 months. 
This due to the many hours of my time and aggravation getting a fair resolution of the matter, which they have refused to do. I will mail the full payoff on XX/XX/2023.
Product: Debt collection

IC SYSTEM ( XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1900.00} does not belong to me. This account claims was fraudulently opened through this company in XXXX of XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Vehicle loan or lease

I received a voicemail on XX/XX/18 by a Bank of America phone rep. They did not leave a name or phone number/extension to contact. I have been receiving calls from phone # XXXX however no voice messages were ever left. When I call the number back it takes me to the call center and no one seems to know why I was called. 

When I finally reached someone on XX/XX/18 who directed me to the car loan department the rep ( XXXX XXXX or XXXX ) stated my car was out for repossession. And I requested to talk to a manager to try to get resolved today they stated 24-72 hours it would take for call back. The rep stated nothing he can do and I need to go into a financial center to try to make payment. He could not make payment arrangements or anything. Then stated once I make payment at the Financial Center then I need to call XXXX when I am there to ensure they have payment.
Product: Debt collection

These disputes have been escalated several times, and I have provided extensive documentation to support my claims. However, despite my efforts and the escalation of these matters, the inaccurate late payment accounts persist on my credit reports. I was the victim and Im not sure why the CRA is not complying with the law. The other bureaus have followed suit. Im very confused why this one seems to ignore my requests. I am concerned that despite my continued efforts to resolve these issues, the inaccuracies in reporting have not been rectified. I question why your bureau has not conducted a thorough investigation into the validity of the late payment accounts and failed to provide accurate information on my credit reports. The lack of resolution suggests a deficiency in your investigative processes. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 

I am aware that under the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to conduct reasonable investigations into disputed information. I am troubled by the apparent failure of your bureau to fulfill this obligation, resulting in the continued reporting of inaccurate information.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against Experian Bureau for their failure to properly investigate and correct inaccurate information on my credit report in violation of the Fair Credit Reporting Act ( FCRA ). 

On XXXX submitted a dispute to Experian Bureau regarding a late payment reported on my XXXXXXXX XXXX, account number ending in XXXX. I have never missed a payment for this account and requested that the credit bureau either provide proof of the alleged late payment or correct the error to reflect on-time payments. 
Experian Bureau responded, stating that the late payment had been " verified. '' However, they failed to provide any documentation or proof of the alleged late payment, nor did they explain the steps they took to verify the information. This indicates a failure on their part to conduct a thorough and reasonable investigation as required by the FCRA. 
After receiving this unsatisfactory response, I contacted the credit bureau again to demand proper proof or the removal of the inaccurate late payment. To date, Experian Bureau has not provided any sufficient evidence to support the claim of a late payment, nor have they corrected the error on my credit report.

As this inaccurate information is negatively affecting my credit score, I am requesting the CFPB 's assistance in resolving this issue. Specifically, I am asking for : XXXX. A thorough re-investigation by Experian Bureau with clear documentation or proof of the alleged late payment, if such exists. 
XXXX. The immediate correction of my credit report if no evidence of a late payment can be provided. 
XXXX. Confirmation that Experian Bureau is following proper procedures for handling disputes in compliance with the FCRA. 
Please find attached copies of my previous correspondence with Experian Bureau, including the original dispute letter and their response. I would appreciate your help in ensuring that this matter is resolved fairly and that Experian Bureau is held accountable for their failure to follow federal guidelines. 
Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving this issue. 
Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

Disputed a charge made on XX/XX/2019, by the XXXX XXXX for {$300.00}. Along with my dispute, I provided proof of payment for a higher amount made with an alternative payment method. The provided document shows provide the payment method used which is not the CHase card the dispute is being filed on. It also displays a final balance reflected of XXXX dollars, with a charge authorization code for my alternative payment method. Chase representatives have refused to complete the dispute, wanting my personal financial information from another bank. This demand represents a breach of my personal financial information which chase has no need of or right to. The invoice displays the last 4 digits of the alternative card used clearly showing it not the card associated with this disputed charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FIFTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite four previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance : {$0.00}.
Product: Credit reporting

I did not have a charge account with XXXX Card that began with Charge Account No. XXXX back in XXXX XXXX, 2014 They have violated my rights and stated that I had a balance of {$3400.00}. They marred my excellent credit. I have faxed and repeatedly called them but they will not address this situation with me. Would you kindly escalate this matter. 
Regards, XXXX XXXX XXXX email : XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

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

Hello I have a credict card that I have always paid in time but when applied to others theaswer is negative by claiming a disgusting track record that is not true I found out about that account and it was a mistake that someone commited with my son 's XXXX account and now this messes up my record.This disgust me a lot and I want some one to fix this
Product: Credit card or prepaid card

Received credit card bill in the amount of {$190.00}. 

I never applied for credit from this company.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : LXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent inquiries in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, please help me immediately delete these inquiries Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

I had opened a secured credit card account with Citi Bank last year by depositing {$1000.00} USD as a security deposit. This Credit card was converted to an unsecured credit card ( Regular credit card ) in XX/XX/2023 this year. After conversion, Bank was supposed to refund me my Security Deposit account through a check but even after multiple requests the check was never delivered to me. I even asked them to do a direct deposit in my checking account or refund the security deposit by posting a {$1000.00} credit on my credit card but they are not doing that. I have called them over 20 times and have been complaining to them on XXXX as well. Everytime they say that we will mail you the check but nothing happens. Please help resolve this matter with Citi and help me get my Security deposit back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax recently did an investigation on my credit profile for an alleged debt with XXXX XXXX XXXX. In the conclusion of the investigation it was concluded that the item was deleted and now has been placed back on my report and has dropped my score tremendously.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this letter finds you in good health and high spirits. I am writing to seek your valuable assistance in resolving an issue that is hindering my entrepreneurial aspirations. As a dedicated and driven entrepreneur, I am eager to expand my business and contribute to the economic growth of my community. However, repairing my credit has become an essential step in achieving these goals. 

I have recently encountered challenges in securing favorable financing options and business partnerships due to negative account XXXX XXXX account XXXX that appears on my credit report. This account has a significant negative impact on my credit score, impairing my ability to access the financial resources necessary for business growth and development. 

Understanding the crucial role the Consumer Financial Protection Bureau plays in safeguarding consumer rights and promoting fair lending practices, I kindly request your intervention and assistance in addressing this matter. I believe that the presence of this account is inaccurate and unjust. 

I have made diligent efforts to rectify this situation on my own by disputing this account with the credit reporting agencies. However, the response received thus far has been insufficient, leaving me with limited options to effectively resolve this issue. I humbly request your intervention to ensure a fair and accurate representation of my creditworthiness, thereby enabling me to pursue my entrepreneurial endeavors without undue obstacles. 

Enclosed with this letter, please find copies of my credit reports where the disputed account is clearly visible. I trust that this evidence will aid in your assessment of the situation and assist you in facilitating a resolution. 

I kindly ask that you undertake a thorough investigation into this matter, ensuring that my credit report accurately reflects my creditworthiness as I strive to expand my business. Your assistance in removing this account from my credit report will significantly enhance my chances of accessing the necessary financial resources to propel my entrepreneurial journey. 

I am truly grateful for your attention and support in this endeavor. I eagerly anticipate a favorable resolution that will positively impact my ability to grow and contribute to the economic prosperity of my community. If there are any further details or information required from my end, please do not hesitate to contact me at your earliest convenience. 

Thank you for your time, consideration, and dedication to consumer protection. I greatly appreciate your commitment to ensuring fairness and accuracy in credit reporting. 

Yours faithfully, XXXX XXXX
Product: Credit reporting or other personal consumer reports

My accounts 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 my 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/updated. 

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!