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

To Whom It May Concern, I am submitting this complaint against Venmo for its failure to properly investigate and resolve a disputed transaction, in violation of consumer protection laws and regulations. 

In early XXXX, I signed up for a free seven-day trial with XXXX. I canceled the trial XXXX days later, well within the trial period, ensuring that no charges would be incurred. However, despite my timely cancellation, I was still charged for the service. Since I had not authorized the merchant to withdraw funds after the trial cancellation, I promptly disputed the charge through Venmo. 

Venmo denied my dispute almost immediately without conducting a thorough investigation, which appears to be a violation of **Regulation E ( 12 CFR Part 1005 ) ** under the Electronic Fund Transfer Act ( EFTA ). Regulation E requires financial institutions to conduct reasonable investigations into disputed transactions. The lack of due diligence in my case suggests noncompliance with these consumer protection requirements.

Further, when I contacted Venmo regarding the dispute, I was informed that my provided information was deemed insufficient, and I was asked to submit additional documentation. However, when I attempted to upload the requested information, I encountered an error within the Venmo app that prevented me from doing so. Despite informing Venmo of this issue, I was initially told my information would be submitted on my behalf. However, upon following up, I was met with inconsistent responses and a lack of resolution. 

Venmos handling of my dispute also raises concerns under **Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) as outlined in the XXXX XXXX XXXX Reform and Consumer Protection Act ( 12 U.S.C. 5531, 5536 ) **. The failure to provide a fair and accessible dispute resolution process, as well as misleading responses from customer service, demonstrates unfair and deceptive practices that negatively impact consumers. 

This experience has not only caused financial harm but has also resulted in unnecessary disruptions to my work and business operations. I urge the Consumer Financial Protection Bureau to investigate this matter and ensure that Venmo adheres to federal consumer protection laws. 

I appreciate your time and assistance in addressing this complaint. Please let me know if any further information or documentation is required. 

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

At this time, I respectfully request a copy of my XXXX, XXXX and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX, XXXX, NJ XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

PORTFOLIO XXXX Late Payment This is an incomplete report because all of the important information are missing, like the date of last payment, past due, credit limit, terms and monthly payment. Also since this is in collection as they claim, there shouldn't be a balance. Please delete this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported to all three credit bureaus, XXXX XXXX, XXXX, and XXXX that this account is over XXXX years old. This account should have been deleted as of XX/XX/1923 ones. Ive contacted all of the credit bureaus inquiring on the deletion of this account at that point target made the account a collection.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX SSN : XXXX ID TYPE : Drivers License ID Number : XXXX Address : XXXX XXXX XXXX  XXXX XXXX, XXXX  XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warnings Systems consumer report. I have NEVER opened or used the following account numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I dont recognize the following accounts in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my Early Warnings Consumer report immediately! Ive attached a copy of the report to this request. 


Thank you for your assistance. 
Sincerely, ( XXXX XXXX XXXX
Product: Checking or savings account

My name is XXXX XXXX. Owner of XXXX XXXX XXXX XXXX, XXXX. 

On XX/XX/22, Bill.com sent a business payment scheduled by their Client, XXXX, XXXX, XXXX XXXX XXXX to XXXX and XXXX XXXX, XXXX to an incorrect personal account number. 

Upon multiple request, Bill.com still have not resolved this issue. I have been legally counseled on this matter and was advised that Bill.com has to dispute there transaction with he receiving Bank ( XXXX XXXX XXXX ). 

This has been a HORRIFIC CUSTOMER EXPERIENCE with Bill.com and XXXX XXXX XXXX. Each financial institution has been pointing figures at each other for over 6 months with no resolution to have funds deposited into the account for XXXX XXXX XXXX. I have been humiliated by both financial institutions customer service representatives and managers when attempting to get assistance on multiple occasions. 

This matter has caused me Emotional Stress, Financial Issues & Damage to Business Practices. 

With over 6 months pleading with both financial institutions for this matter to be corrected, Personally, I have been bullied verbally and belittled mentally. 

We are victims! 

I never felt so small and powerless!
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter for the fourth time disputing inaccuracies on my credit report with proof of the inaccuracies and how the bureaus are in direct violation of my consumer rights. On top of the obvious violations after they keep claiming account meets FCRA requirements and i just showed on the attachment how they are not. I have a right to claim {$1000.00} per violation i have pointed out. It has been more than 30 days i mailed my letter off on XX/XX/21 and i have not received a response. I dont expect this complaint to become a stall by stating you dont recognize the user when i am attaching you proof of my identity. I demand these accounts get deleted immediately.
Product: Credit reporting or other personal consumer reports

I am the Beneficiary and Surety with equitable interest in the XXXX XXXX XXXX XXXX consumer report that is being illegally and unlawfully furnished by XXXX, TRANSUNION and XXXX ( CRAs. Thirty days ago, we contacted the CRAs requesting a copy of the written instructions authorizing them to furnish this consumer report as we as a copy of the full credit file disclosing sources from which this information was procured. The CRAs failed to provide us with this information and continue to report private information without the express written authorization of the Surety. The actions and/or inactions of the CRAs have caused serious harm and this is our NOTICE OF INTENT TO SUE to seek equitable remedy for our injury.
Product: Checking or savings account

I have a joint account with my Daughter. She goes to XXXX  in XXXX XXXX, and I live and work in XXXX XXXX. There was a Fraudulent ATM withdrawal in Florida on XX/XX/XXXX for {$1000.00}. The account only had around {$240.00} balance at the time of withdrawal. Wells Fargo ATM allowed the transaction because they said the account had overdraft protection. There had never been a legitimate {$1000.00} withdrawal from that account and neither I nor my daughter ever asked for overdraft protection and not sure how it was added. I immediately contacted Wells Fargo and reported it as fraud and filed a claim. They said they'll investigate it and on XX/XX/XXXX responded that they denied the claim and said I must have provided my account info to someone else to withdraw on my behalf. That is a lie. This was a fraudulent transaction that Wells Fargo allowed and they need to accept responsibility for it.
Product: Money transfer, virtual currency, or money service

I received a payment yesterday from my XXXX XXXX company for auto injury via Venmo. I tried to instant transfer the money to my XXXX XXXX account. After several attempts to send money instant transfer I was directed by a Venmo manger via phone her name was XXXX XXXX to try various steps to get my money. When all steps didn't work she told me the only way for me to get my money is to have money sent via bank eft regular transfer which will take 1-3 business days. Fast forward to the next day I get an email from Venmo that says my account is being frozen and that my money is also on hold. Venmo has no legal right to freeze my account or money when everything that was done on my account was directed by a Venmo manager. I even have an email from that same manger because of all the inconvience I received from Venmo and its service.
Product: Debt collection

I was attempting to fix my credit and applied for a credit card through XXXX. They requested I deposit {$200.00} in the account. WHen I used the amount ( MY MONEY ) it turned into a negative, impacting my credit severely. Then Calvary SPVI, LLC took over this and have been sending me letters and calls and it is ridiculous. THis was my own money that I put in my credit card. Please help me resolve this mess. thanks
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : Notice of Dispute and Request for Correction of Consumer Report Information Dear Sir/Madam, I am writing to bring to your attention several inaccuracies and discrepancies present on my credit reports maintained by your respective agencies, XXXX, Experian, and XXXX. Pursuant to the provisions of the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681a and the Privacy Act of 1974 ( U.S. Code 552a ), I hereby assert my rights to dispute and request correction of the information contained within my consumer reports. 

As per the FCRA and Privacy Act, a consumer report is defined as any collection or grouping of information about an individual, including but not limited to their financial transactions, maintained by an agency, and containing their name or other identifying particulars. Furthermore, the law stipulates that no agency shall disclose any record contained in a system of records to any person or entity without prior written request or consent from the individual to whom the record pertains, except as provided under specific circumstances. 

Upon reviewing my credit reports, I have identified several accounts that are inaccurately reported. The following accounts contain erroneous information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account Number XXXX I want to make it explicitly clear that as of XX/XX/XXXX, I hereby revoke any consent, whether it was given knowingly or unknowingly, for the dissemination of my information to your agencies by any of the mentioned companies or entities. 

I demand that you either mark these accounts as paid and never late or remove them entirely from my consumer reports. 

I am giving you a period of 10 days from the receipt of this letter to rectify these inaccuracies. Failure to do so will leave me with no choice but to pursue legal action. Under the provisions of the FCRA, I am entitled to seek damages for each violation, and I will be seeking a total of {$8000.00}, which amounts to {$1000.00} for each violation. 

Please take this matter seriously and act promptly to resolve the discrepancies on my credit reports. Enclosed with this letter, you will find copies of relevant documents for your reference. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

Upon checking my consumer report, I have become aware that Aidvantage has many errors, including false and misleading information, these collection accounts do not meet the credit reporting Standards of reporting 100 % accurately. This has ruined my reputation, has caused embarrassment and humiliation and is damaging my entire life by Keeping me from getting new credit for personal, family and household purposes. I respectfully demand the Consumer Financial Protection Bureau to enforce the deletion of these accounts.
Product: Credit reporting or other personal consumer reports

I have been disputing a fraudulent account that someone opened in my name for the past 4 months. I contacted. XXXX, who the account was opened with, and they have told me the person who opened the account was using a different email address, phone number, and social security number. I was asking can they contact Experian to block and delete the account. They informed me they would open up an investigation, even though they confirmed the information was a mismatch and fraudulently opened. Experian said XXXX has yet to respond to them in reference to this case, even after the disputes each month.
Product: Checking or savings account

First Citizens Bank not paying a new account opening bonus of {$300.00}. I fulfilled all the requirements as requested. They still did not honor the agreement for paying the {$300.00} bonus. 

My account was opened on XX/XX/20. Did the required direct deposit requirements for three months and waited for more than 120 days. Called them twice, but they refused to honor the agreement.
Product: Debt collection

Dear Sir/Madam, I am writing to formally request validation of the debt referenced below, as well as a copy of the assignment contract that grants the collection agency the right to collect this debt. This request is made pursuant to the Fair Debt Collection Practices Act ( FDCPA ). I am writing this letter to dispute a recent credit report listing on my account, which I believe to be inaccurate and in violation of the Fair Credit Reporting Act ( FRA ).

According to the FCRA, 15 USC 1681 et seq., I am entitled to a fair and accurate credit report.

Specifically, section 1681e ( b ) of the FCRA requires that credit reporting agencies must use reasonable procedures to ensure the accuracy of information contained in my credit report. 

Given the recent XXXX data breach, which exposed sensitive personal information of millions of individuals, I am particularly concerned about the security of my personal data and the potential for identity theft. Therefore, I request additional verification of this debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ).
Product: Credit reporting or other personal consumer reports

Complaint Description : I am filing this complaint against both XXXX and Experian regarding the inaccurate reporting of my auto loan account # XXXX with XXXX XXXX XXXX The vehicle associated with this account was voluntarily surrendered on XX/XX/XXXX, due to financial hardship. Despite this, both XXXX and Experian continue to report late payments through XXXX and XXXX, which is inaccurate, misleading, and unlawful under the Fair Credit Reporting Act ( FCRA ). 

The ongoing reporting of late payments after the voluntary surrender date violates the accuracy requirements outlined in FCRA Section XXXX. Additionally, there are discrepancies in the balance amounts reported by XXXX and Experian, further highlighting the inaccuracies in the reporting. 

Summary of Issues : XXXX. Inaccurate Late Payment Reporting : Both XXXX and Experian continue to report late payments on this account beyond the voluntary surrender date of XX/XX/XXXX. 
XXXX. Failure to Update Account XXXX : The account status has not been updated to reflect the correct status of XXXX Surrender. 
XXXX. Discrepancies in Account Balances : XXXX reports a past-due balance of {$14000.00}. 
Experian reports a past-due balance of {$14000.00}. 

These discrepancies indicate that XXXXXXXX XXXX is not providing consistent and accurate information to the credit bureaus.
Product: Checking or savings account

I XXXX money from my account to the wrong person and XXXX told me at the time of XXXX hrs they were unable to get my money back.
Product: Student loan

I have been trying to pay off in full my 6 loans, one by one. They are applying it to the incorrect loan, when I call they tell me they will fix it. Its never fixed, I ask for things in writing before the call is completed. I never get anything in writing. This is negatively affecting my credit score, which is affecting my home buying process. I have perfect credit other than my student loans because Navient has played games with me for years now.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit reporting agencies stated that this account was properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

Account name : US Dept of education Account number : XXXX As a consumer, I request to know all the steps your agency took to insure this account were 100 % accurate under 15 U.S.C 1681i ( 7 ) Method of verification Description of reinvestigation procedure. I had provided documents from the US Department of education stating that this account should be removed from my credit report & is inaccurate.
Product: Money transfer, virtual currency, or money service

I received a call XX/XX/2019 from XXXX pretending to be XXXX Customer Service.They said XXXX XXXX had taken XXXX put of my bank account and that they wanted to refund my money since I did not want XXXX XXXX.Told me to download western union app so they could refund my money.I did not receive a refund they took money out of my bank account using my debit card.transfer # XXXX in the amount of XXXX sent to XXXX XXXX ( whom I do not know in XXXX XXXX XXXX ) .I received an email saying he picked money up.Also they transferred more money the same way transfer # ( MTCN ) XXXX in the amount of XXXX as a donation to western union.I did not send money to neither one and these transactions were not approved by me.My bank is XXXX XXXX XXXX  in XXXX WV XXXX.Contacted them canceled debit card or they would have hacked more money out of my account, bank said they tried 3 more transactions.Thank you for any help you can provide.
Product: Debt collection

I recently checked my credit report and notice a collection on my report from Portfolio Recovery. I was never made aware of this collection. I did not recieve anything in the mail notifying me of this debt.
Product: Debt collection

XXXX XXXX XXXX ( XXXX XXXX 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 {$130.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/2018 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: Credit card or prepaid card

I am attaching my letter to XXXX with more details. To summarize : we paid {$780.00} to XXXX with my Citi credit card on XX/XX/XXXX for health insurance coverage. Later the premium was reduced to {$140.00} /month and we were forced by XXXX to initiate a partial payment dispute to get an overpayment of {$500.00} back. However XXXX blamed Citi for withdrawing all {$780.00} payment on XX/XX/XXXX and not leaving two month premiums of {$280.00} from my credit card to pay XXXX. XXXX reset our insurance policy termination date from XX/XX/XXXX to XX/XX/XXXX based upon their record. ( Please note that we also paid XXXX for insurance premiums with personal checks ). On the other hand, Citi said that the two month premium payments from my credit card was made to XXXX from the very beginning so that it is not Citis problem. But Citi refused my request to provide detailed evidence to challenge XXXX 's record. Neither Citi nor XXXX takes responsibility for this and we received full medical bills from medical providers and debt collectors like we didnt have coverage for the time period that we actually paid for. We have filed complaint to New Jersey Department of Banking and Insurance ( NJDOBI ). I also attached their investigation letter here. I would like to have CFPB investigate this to see if Citi or XXXX is responsible for this. If this is not Citi 's problem, please provide conclusions/investigation results on this so I can continue to seek help from NJDOBI or other government agencies.