23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to file a formal complaint against Venmo 's credit card services, which are backed by Synchrony Bank. As a consumer who regularly utilizes the Venmo Visa card for managing periodic bills and financial transactions, I have encountered a distressing issue that warrants the attention of the Consumer Financial Protection Bureau ( CFPB ). 

On XX/XX/2024, I made a payment of approximately {$1400.00} towards my Venmo Visa card balance, intending to clear the entire outstanding amount. Instead of promptly processing this payment, Synchrony Bank placed a hold on my available credit equivalent to the full payment amount. Consequently, I found myself unable to utilize the credit card for subsequent transactions, despite having cleared the outstanding balance. 

Upon contacting Synchrony Bank through their secure messaging service to seek clarification and request the release of the hold, I received a generic response devoid of any specific explanation regarding the reason for the hold. Despite my follow-up inquiries and the clearance of the payment from my checking account, I was met with the same boilerplate response, coupled with the alarming assertion that there is no defined criteria for placing such holds. This lack of transparency and clarity regarding their policies and actions has left me in a state of financial uncertainty, as I am unable to predict or prevent similar occurrences in the future.

It is deeply concerning that Synchrony Bank, as the issuer of the Venmo credit card, has instituted opaque rules and practices that impede consumers ' access to their own funds without adequate explanation or recourse. As a responsible cardholder who promptly pays off balances and utilizes the service in good faith, I am dismayed by the arbitrary hold placed on my available credit, which has disrupted my financial management and undermined the utility of the Venmo Visa card. 

Therefore, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and compel Synchrony Bank to provide transparent and accountable practices regarding the imposition of holds on credit card accounts. Consumers deserve clarity, fairness, and respect in their financial dealings, and it is imperative that regulatory authorities intervene to safeguard their interests and ensure compliance with consumer protection standards. 

I would appreciate your prompt attention to this matter and request updates on the progress of your investigation. Thank you for your consideration and assistance in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 accounts for XXXX XXXX XXXX ( XXXX ) appeared on Transunion credit report ... .I have never had this service ... .I have contacted Transunion twice as well as XXXX via mail and XXXX ... ... I have yet to hear back from XXXX ... how is Transunion verifying these accts? If they are not responding to me they are not responding to Transunion either ... there has yet to be a comment added that these accounts are in dispute on my report ... I am 100 % sure that they are not conducting proper investigations as required by law
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of identity theft resulting from a recent data breach, which led to unauthorized accounts and inquiries appearing on my credit report. In line with the Fair Credit Reporting Act, specifically 15 USC 1681c-2 ( a ) and 605 ( b ), I am requesting that the following accounts and inquiries be blocked and permanently removed from my report. 
Fraudulent Accounts : XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$530.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$900.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$570.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$710.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$710.00} XXXX. XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$570.00} XXXX. XXXX XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$4100.00} XXXX. XXXX XXXX - Account ending in XXXX - Date : XX/XX/XXXX - Balance : {$530.00} Fraudulent Credit Inquiries : XXXX. XXXX XXXX A - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX - Date : XX/XX/XXXX XXXX. XXXX XXXX A - Date : XX/XX/XXXX XXXX. XXXX XXXX A - Date : XX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/2022 Ally received by certified mail a XXXX $ money order from me with stipulations ( Exhibit A XXXX ) that were in accordance with what Ally has written on the back of the statement ( Exhibit B ) which indicates they know about the UCC codes and expect people to use them, i didnt expect it to work but i gave it try. after Ally received the payment they put a freeze on my account stating they were having problems processing it ( Exhibit C ) up until that point my account was in good standing then Ally returned the payment ( Exhibit D ) so i logged into my account to pay my bill on XX/XX/2022 and saw that there was still a block on the account so i couldnt make a payment i then gave Ally a call on XX/XX/XXXX & XXXX 2022 ( Exhibit E 1-2 ) to find out why i couldnt make a payment. Both times i was told after a XXXX convo that there was a stop payment on the account and that it would be off in XXXX hrs. so on XX/XX/2022 i sent Ally a certified and notarized notice of intent ( Exhibit F 1-3 ) letting them know i am filing a complaint with the FTC ( which sent me to CFPB ) and the XXXX  as well as the U.S. Attorney Generals Office so they can be investigated for this shady business practice because it didnt take XXXX to put a stop payment on my account but its taken more than XXXX to try to get it off so i can make a payment. As of today XX/XX/2022 the account is still on hold ( Exhibit G XXXX ) Ally is purposefully an with malicious intent keeping my account status like it is to force me into default on the loan so that they can ruin my credit an repossess the car this is a illegal business tactic being used by a predatory lending company. This blatant violation of MGL 93a section 2 is causing me unwanted pain and suffering. At this point a repossession attempt by Ally would be illegal because of the illegal business tactics that are being used
Product: Credit reporting or other personal consumer reports

FCRA VIOLATIONS : PLEASE REMOVE ALL NAMES AND ADDRESSES THAT ARE NOT MINE, AS THEY ARE IN VIOLATION OF FCRA. Wrong Names : XXXX XXXX XXXX, XXXX XXXX XXXX. Wrong Addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX FCRA VIOLATIONS PLEASE REMOVE XXXX, XXXX REPORTED : XXXX XXXX XXXX XXXX XXXX Reported : XXXX. XXXX XXXX XXXX XXXX Reported : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/year>XXXX  Balance Owed : {$79.00} Charged off Inquiry in Dispute : XXXXXXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX was never late! I have had exceptional payment history witH capital one 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 in 60 days to be removed. 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! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Never XXXXent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Credit reporting or other personal consumer reports

CAVALRY PORTFOLIO SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX I SEND THE THIS .Be advised this is not a refusal to pay.But a notice sent pursuant to the FAIR DEBT COLLECTION Act,15 USC 1692g stating your claim is disputed and validation is requested this is NOT a request for 'verification ' or proof of mailing address BUT a request FOR VALIDATION MADE XXXX THE ABOVE- NAME TITLE AND SECTION.I REQUEST YOUR OFFICE TOO PROVIDE ME WITH COMPETENT EVIDENCE THAT I HAVE ANY LEGAL OBLIGATIONS TO PAY YOU
Product: Credit reporting or other personal consumer reports

I RECENTLY PULLED A COPY OF MY CREDIT REPORT AND NOTICED ACCOUNTS BEING REPORTED THAT I HAVE NOT AUTHORIZED NOR HAVE ANY AFFILIATION WITH. MY PURSE INCLUDING MY PERSONAL INFORMATION WAS STOLEN. I CONTACTED THE CREDIT REPORTING AGENCIES XX/XX/year> ADVISING OF ACCOUNTS AND REQUESTING VERFICATION. THESE ACCOUNTS ARE UNVERIFIABLE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 I ALSO NOTICED ADDRESSES BEING REPORTED WHERE I NEVER RESIDED, AND REQUESTED THAT THEY BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of a result of a XX/XX/XXXX settlement between 31 state attorneys general and XXXX, Equifax, and XXXX, who together created the National Consumer Assistance Plan. The plan which went into effect in the second half of XX/XX/XXXX was designed to limit credit reporting errors that negatively impact scores. The settlements prompted the credit-reporting companies to take away some non-loan associated gadgets that have been despatched to collections companies. The companies additionally agreed to take away medical-debt collections which were paid by a affected persons insurance coverage. 

I have requested for both Equifax and XXXX to enforce this settlement, as it relates to my reporting of Non-Loan, ( specifically XXXX XXXX ) and the one medical dept listed ( XXXX XXXX ), as it  was paid by my insurance at the time, however they decided to Balance Bill the difference, which is illegal. - I am again requesting both Equifax and XXXX  enforce this settlement and remove these 2 items.
Product: Debt collection

IC Systems is reporting a {$180.00} collection on my credit report from  XXXX   XXXX   XXXX . I have spoken to  XXXX   XXXX   XXXX  directly, and they told me it is an error and they should not have sent the account to the collection agent.  XXXX   XXXX   XXXX  tells me that they have informed IC Systems that the collection account was reported in error, but now IC Systems refuses to take it off of my credit report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DEPTEDXXXX XXXXBalance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance XXXX : {$0.00} DEPTEDXXXX XXXX Balance Owed XXXX {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$0.00} DEPTEDXXXX  XXXX Balance Owed : {$0.00} DEPTEDXXXX XXXXBalance Owed XXXX {$0.00} DEPTEDXXXX XXXX Balance Owed : {$56000.00}
Product: Credit card

Account was moved from XXXX to Citibank. During this time I was out of town, but had auto-payment set-up. I was not notified before my departure that the move would be made, and this caused my account with a balance to be moved to Citibank. When that happened, my auto-pay was cancelled by Citibank and I was made delinquent. I contacted Citibank and they agreed to nullify delinquency and my fees/interest as the move to Citibank was made by them and my auto-pay was cancelled without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX, XXXX XXXX XXXX XXXX TN XXXXMy SS XXXX DOB XXXX. I had some issues with my income being affected by the COVID-19PANDEMICSHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. US DEPT OF ED / XXXX # XXXX, # XXXX accounts are reporting on XXXX, XXXX The was 30,60, 90 DAYS LATEsince requested assistance due to the pandemic. I found a few accounts that I have never done any business with these companies and the accounts do not belong on my report : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. 

I have some issues with the misspelling of my name, my correct spelling is XXXX XXXX. Please remove any other variation of my name they are not correct. The following addresses do not belong to me please delete them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : 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 XXXX Account XXXX : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : $ XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX is claiming that I owe {$710.00} in debt " via XXXX '' but will not resolve the problem without a police report, who have told me a report likely wouldn't accomplish anything. 

The debt is the result of my identity being compromised in XXXX 2020 where several fraudulent transactions occurred through my USAA banking accounts and I lost my phone number on XXXX, stolen by the same perpetrator.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries Unauthorized Transunion Report XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX &XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX For XXXX XXXX {$1800.00} XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Im getting reported late on a loan that I did not apply for the app automatically requested loan I did not sign up for taking out of my account without permission and marking me late for miss payments and charge off
Product: Credit reporting or other personal consumer reports

Pursuant to FDCPA Section 809 and FCRA Section 609 and Equal Credit Opportunity Act and 15 U.S. Code 1681b - Permissible purposes of consumer reports, you all being XXXX and XXXX and Experian and all those you service/serve are ordered to delete each and every invalid inquiry and invalid account and inaccurate account and invalid missed payment and invalid account balances within five days of failure to validate the information as well as unequivocal record proof that each person reporting invalid balances was the absolute and very first issuer of the credit in extension from XXXX XXXX XXXX with each inquiry and account subject to 15 U.S.C. 1635 for lack of full disclosure and failure to disclose my right to rescind my signature
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

My mortgage is with Suntrsut Bank. I am 14 months into an active Chapter XXXX. The mortgage lies outside the Chapter XXXX plan. I had made payments in full, ont time. In XXXX of 2019, the payment went up by almost {$500.00} per month. I feel this is egregious to anyone, let alone someone in my position. I had an initial conversation with the mortgage team at Suntrust who told me they could work on a modification plan with me. My attorney sent them the documentation giving permission for them to do this on two occasions. I never heard back. I was given an email alias only by the mortgage team to communicate with the Bankruptcy team. Several emails went unanswered. I have heard nothing back to this point. 

It seems this is being done by design.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding past complaint # XXXX The company obvious did not READ my complaint so I specifically request this be sent to a SUPERVISOR who can actually read and address the actual complaint. All they did was send me the regular instructions for unfreezing my credit. As the original complaint explained, I followed those steps one by one with no results. I tried calling. No human answered. I followed the steps of answering the security questions. I tried everything, even using my personal CODE that had been sent to me in the mail. The problem was that NONE OF IT WORKED. There has got to be a quicker system for when you need to quickly freeze or unfreeze your credit for a purchase. This is, by law, supposed to be a free service. Please advises.