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

Dear CFPB, I am writing to formally lodge a complaint regarding Venmo, a subsidiary of PayPal , Inc., for repeated and unjustified suspensions of my account, which caused significant financial harm. 

On XX/XX/2025, Venmo flagged my account for suspicious activity, resulting in the return of a direct deposit of {$3500.00} from my employer. Despite my efforts to resolve the matter, a second direct deposit of {$3400.00} was similarly returned on XX/XX/2025. 

Although my employer will reissue these payments as checks, the delays caused by XXXX actions had devastating consequences, including : Food and heat insecurity : I was unable to afford basic necessities like groceries and heating oil for my home. 
Imminent car repossession : The delay disrupted my ability to make timely car payments. 
Medical care disruption : I underwent XXXX XXXX XXXX months ago and am still recovering, requiring frequent appointments and transportation. 
Venmo advertises its direct deposit service as reliable and convenient, promising features like getting paid early. However, its repeated failure to provide these services as advertised has caused severe hardship. 

Requested Action I respectfully request the CFPB to investigate XXXX practices regarding account suspensions and evaluate whether they comply with consumer protection laws, including the Electronic Fund Transfer Act. I also urge Venmo to : Improve its internal review processes to prevent unwarranted disruptions. 
Provide clear, timely explanations to customers when accounts are flagged. 
Compensate affected customers for financial losses resulting from their actions. 
Thank you for your attention to this matter. I am happy to provide additional documentation or details upon request.
Product: Credit reporting or other personal consumer reports

JPMCB - CARD SERVICE Account type - Flexible Spending Credit Card Date opened- XXXX XXXX XXXX Address JPMCB - CARD SERVICE XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, DE XXXX Above Account created under JPMCB - CARD SERVICE without my consent. It does not belong to me and should be deleted and removed from all three credit bureaus under my credit file immediately please.

According to15 U.S. Code 1692j a person shall not furnish any information relating to a consumer reporting agency if the person knows or has a reasonable cause to believe that information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, Last 4 of SSN XXXX, XXXX XX/XX/XXXX Contents of complaint, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 5 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate and false information consist of a personal credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under alcount number XXXX, an account at XXXX XXXX XXXX  opened on XX/XX/XXXX under account number XXXX, other accounts such as XXXX XXXX XXXX XXXX opened on XX/XX/XXXX under the account number XXXX, an account at XXXX XXXX opened on XX/XX/XXXX under account number XXXX, an account at XXXX XXXX opened on XX/XX/XXXX under account number XXXX, an account at XXXX XXXX opened on XX/XX/XXXX under account number XXXX. Collection accounts at XXXX XXXX XXXX opened on XX/XX/XXXX under account number XXXX, a collection at XXXX XXXX  opened on XX/XX/XXXXXXXX  under account number XXXX, a collection at XXXX XXXX  opened on XX/XX/XXXXXXXX  under account number XXXX and 1 Hard inquiry with XXXX XXXX 
These accounts have resulted in several fraudulent collections and hard inquiries appearing on my FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer FICO credit report maintained by you were not opened, made or initiated by me. All of the aforementioned accounts, collections and hard inquires are the result of identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint & ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a latter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX- Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt Bondage and would like for all listed accounts to be blocked and deleted company information XXXX. Please delete these accounts.
Product: Credit card or prepaid card

in accordance with the Fair Credit Reporting act XXXX Account # 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 1681b permissible purpose
Product: Money transfer, virtual currency, or money service

I am filling a complaint against Cash App ( Block , Inc ) due to inadequate customer service and unfair practices, which violate the customer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore. Their dispute resolution process was unfair and deceptive as they did not comply with error resolution requirements under the electronic fraud transfer act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy f my credit report where XXXX XXXX XXXX   continues to report and account past due however they agreed to a settlement with me and I have paid the account as we agreed however they continue to report the account as past due with a balance over {$600.00} dollars ... .I have send a copy of the settlement agreement to the credit bureau but each month continental reports the account as outstanding again This is a factual dispute as each credit bureau is reporting a different open date, date of last activity and payment history per the FCRA information should be Reporting the same on all bureaus Attached letter from XXXX XXXX / XXXX XXXX XXXX for ID
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding Experians handling of my credit score, which I believe is unfair and inconsistent with responsible financial practices. 

For years, I have diligently maintained an excellent credit history. All my accounts have been paid on time, and my credit card utilization has consistently been kept between XXXX %, significantly below the recommended 30 %. However, this month, due to an exceptional circumstance, XXXX of my credit cards exceeded the 30 % utilization threshold. 

To my dismay, Experian deducted nearly XXXX points from my credit score because of this single instance. This deduction is disproportionate and penalizes responsible financial behavior. On the other hand, when adhering to best practices, such as keeping utilization low and paying on time, the improvements to my score have been minimal, often amounting to no more than a XXXX increase. 

I find this treatment to be not only discouraging but also a questionable reflection of the fairness and transparency that consumers should expect from credit reporting agencies. It appears punitive to those who strive to manage their finances responsibly and undermines the credibility of Experians scoring methods.

I request the CFPB to investigate this matter thoroughly and ensure that Experian reviews and corrects my credit score to accurately reflect my long-term responsible financial behavior. 

Thank you for your attention to this matter. I look forward to your response and am happy to provide additional documentation if required.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Account XXXX I have already tried to resolve this old debt with the company. This account is listed on my XXXX and Experian credit reports as OPEN with a past due balance of {$480.00} which is incorrect. This is a charged-off account ; as we all know, it is illegal to post a charged-off account with a current past-due amount {$480.00}. They have not responded to my inquiry so this account needs to be deleted from my credit reports.
Product: Debt collection

This collection reporting agency is using a tactic called re-aging a debt. This is a violation of section 807 FDCPA. This tactic is used to misrepresent the account and when it became delinquent. This collection agency is collecting on an account previously that they stated occurred many years ago and re-age the account to show first reported XX/XX/XXXX. This is a violation that must be immediately corrected. 

They are also deliberately hiding the fact that this account is a medical debt by indicating nothing where it says type of account. This is deceptive, practice and illegal. This is done deliberately to hide the fact that its a medical debt as the CFPB has worked hard to change the laws with reporting medical debt. 

I have submitted proof of a hardcopy of my credit report that shows the debt was reported in XX/XX/XXXX and today I received notification from XXXX that it was reported as a debt that was reported in XX/XX/XXXXXXXX XXXX
Product: Credit card or prepaid card

My complaint is in regards to a missing credit issue. I have been dealing with this issue since XX/XX/XXXX I have gotten gotten no resolution. On several occasions Ive waited on hold multiple hours at a time only to be given the same response by countless representatives. 
Whom all say they will do their best to help. In XX/XX/XXXX I was a victim of credit card fraud and a little over {$1000.00} was taken from my account on authorized I just paid it is transactions and was given back the credit. Due to some issues in the system XXXX Bank of America prepaid deducted {$500.00} or a little more from my account it was found that the products were in fact due to go back into my account and I was receives know that the credits would be refund it. I have not received the money back in all this time I continue to call and follow up and have not once received any email from XXXX or male Correspondence besides the letter stating that I would be given back my credit. My last letter stating that they would in fact deposit back the money to my account so they would do so within a Few business days. That letter was sent in XX/XX/XXXX it is now XXXX and I have received nothing. I am a single mother of XXXX on unemployment and in dire need of this money and have experience overwhelming stress and anxiety due to this set back I am in jeopardy of losing my apartment and have exhausted all options of obtaining resolution. 
XXXX XXXX : XXXX XXXX XXXX Description : I would like the credits returned to my account as soon as possible
Product: Credit reporting or other personal consumer reports

I contacted XXXX XXXX XXXX back in XXXX  to have them remove the incorrect information that's hurting my credit report/score and my ability to obtain a new car loan. And further my credit building progression.
Product: Money transfer, virtual currency, or money service

XXXX XXXX {$77.00}. i contacted the financial institution numerous times ( Chime ). Checked with my employer XXXX XXXX XXXX XXXX XXXXXXXX ) making sure the account and routing number was correct.
Product: Credit card or prepaid card

Online and on monthly statement account is informed that a promotional balance is expiring. There are two different promotions being used. One is deferred interest if paid in full, the other is equal payment no interest. Nowhere does it tell how you can pay off the deferred interest if paid in full balance off. Example : Online showed $ XXXX balance due to pay off promo and a minimum payment of XXXX {$160.00}. I paid {$270.00} online, expecting it to cover the promo balance. Next month, I still had $ XXXX deferred balance left. I called to ask how much I had to pay the promotional balance off. ( the minimum payment was still about {$150.00} ). The agent started adding a list of equal payment no interest amounts ( these are no listed in my monthly statement, so if I hadn't called I could not have done this myself ). Then he cam up with a minimum payment I had to make of {$220.00} to get rid of the promo balance that would have added interest for the whole amount and time I had borrowed the money. Furthermore he had me pay the balance online and stayed on the phone so he could apply them a certain way. If I had paid that same {$220.00} without an agents intervention to apply it a certain way, that same payment would not have covered the promo balance and all that interest wound have been applied the following month. My complaint :!. Disclose the information needed on the statement, 2. Spell out the amount to clear the promo balance, and, 3. apply the payment to the customers advantage and not trick the customer into paying additional interest by distributing payments to maximize Synchrony 's bottom line.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Bank account or service

I have been a victim of fraud in XXXX I received a phone call saying they were from bank of america and they were calling from the loan department saying that I qualify for another loan modification everything seem so real paperwork had bank of america logo and calls were made from bank of america loan department he will always call me to make sure I made payments on time I made XXXX payments by XXXX he say it will go direct to the loan modification department I when I was ready to make my third payment I made a mistake and XXXX and when I was trying to make the corrections they told me to check with bank of america because there is been a lots of complain of people been fraud so I call bank of america and talk to them they say there is no modification been offer to me I walk into a bank of america on my home town and show them all paper work and to them they say it all locks legit they fax all paperwork to the loan department but they insist that there in no modification they recommended for me to go to the police station but police told me that I need some kind of report from bank of america that say that I reported this to them I been calling bank of america there is a report on the fraud department but now they say they can do anything for me now my hose is going on foreclosure bank of america told me to do a short sale bank of america does not care if they leave a family on the streets I been a victim of a fraud some XXXX is impersonating bank of america and nobody cares about it I do I do not want to lose my house and I need to help prevent this from happening to someone else the reason I am writing is because I need some kind of paper that say that bank of america is aware of this issue to take to the police department so they can open a case so please I will like for you to send me something so I can report this to the police
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account name XXXX and Account # 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
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, My brother XXXX, sent me {$2000.00} from his Paypal Account to my account under ( XXXX ). The money left his account and was directed to my Paypal Account has been in a " Pending '' hold situation past the XX/XX/XXXX, advisory date on their schedule listed under a Help Tab, and on the automated phone response system. I have called them each day since theXX/XX/XXXX, and they continue to state you payment should clear today and no longer than the XX/XX/XXXX. 

I have found there explanations to be " not credible '' as to the delay and it is my belief that there delay is for profit of interest, since they do not earn a fee for their services. 

This is 2019, and there is no reason acceptable to expect this amount of time for a financial transaction, unless you have a house closing in Escrow.
Product: Credit card or prepaid card

I filed a charge dispute around XX/XX/2021 regarding a XX/XX/XXXX dispute with Agoda.com. I outlined that XXXX used deceptive marketing practices and offered on their final confirmation page an option to cancel a hotel booking. I clearly saw before I clicked purchase the statement that a few days before the stay date at the hotel, the purchase would be fully refunded and that after those few days, there was a period of time that decreasing refunds would be provided, i.e. 50 %, then 25 %, then 0 %. I paid careful attention to those dates in case my trip changed. And it did but after I canceled, XXXX was now saying free cancelation was not being offered. In fact, I specifically filtered for free cancelation hotel rooms only and I followed links to the hotel room I purchases dated XX/XX/XXXX. -Later on I discovered that this was part of the deceptive and misleading practices that XXXX used to secure purchases. 

After communicating with XXXX and not going anywhere, I disputed the charge with Capital One. They provided the temporary refund and reached out to XXXX. They then heard back from them and accepted their simple statement that the charge was valid. They provided zero information on my allegation concerning what I clearly saw before clicking submit to purchase. Capital One accepted this and provided me with no documentation addressing my concern. 

I then provided additional information and none of that extensive information was considered in their decision. They did not follow up on my allegations and when I asked why, they stated they relied on XXXX information. XXXX information also did not address my allegation I was not provided a fair investigation. When I asked Capital One whether they viewed my claims as incredible, they did not respond. 

They issued a Can Not further Assist letter and established the charge on my card. They also refused to delineate the charge and send it to collections per my request an my assertion of my right to do so. They only provided as an option to close the credit card to do so.
Product: Mortgage

Wells Fargo approved mortgage deliberately on a few investment properties without the due process of checking documentations and qualifications, which drag me into foreclosures. I realized that I was absolutely never qualified at that time, based on my income and overall financial status. Bank offered me mortgage with no documents, no credit check. I believe this kind of act is illegal for any financial institutions. As a result, I lost so much money of my hard-working life savings.