23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Complaint Regarding Venmo Credit Card Account : App Bug, Miscommunication, and Customer Support Failures Dear PayPal Customer Service Team, I am writing to formally raise a complaint regarding Venmo and its handling of my Venmo Credit Card account. This issue has caused significant financial and emotional distress and has not been addressed adequately. While XXXX XXXX  the financier of the Venmo Credit Card, has responded to my previous complaint, it is clear that the responsibility for the problems I encountered lies with Venmo/PayPal. 

Background of the Issue On XX/XX/year>, I received an alert from my credit monitoring service about a drastic drop in my credit score, suggesting potential identity theft. I immediately investigated all my accounts and discovered an unexpected balance of {$9900.00} on my Venmo Credit Card, along with approximately {$2600.00} in interest charges.

As a loyal Venmo user, I have relied heavily on the Venmo app to manage my account. However, despite checking the app frequently, I never saw this balance or any alerts about the accrued interest. The apps display consistently showed Venmo Credit Card without any clear balance or payment information, misleading me into thinking my account was in good standing. 

Additionally, I received paper statements from Venmo every month, and none of them showed this balance or the accumulating interest. This failure of communication from Venmoboth through the app and via mailed statementsprevented me from addressing the issue in a timely manner. 

XXXX XXXX XXXXXXXX XXXX  has confirmed that their billing processes are compliant and that all statements were sent according to their records. While I acknowledge their explanation, my complaint is not about XXXX or its processesit is about Venmos app functionality, its failure to display accurate account information, and the failure of its customer support team to resolve the issue.

Key Points of My Complaint Venmo App Bug and Miscommunication : The Venmo app failed to display my balance or provide adequate notifications about my account status. This is a technical failure that misled me into believing there were no outstanding balances or interest charges. Screenshots of the apps misleading interface are available to demonstrate this issue. 
Failure of Customer Support : When I discovered the issue, I contacted Venmo customer support and spent over an hour speaking with multiple representatives. Despite raising valid concerns about the apps functionality and lack of communication, I was met with dismissive responses and no actionable resolution.

Unacceptable Shift of Responsibility to XXXX XXXX  Venmo has effectively deflected responsibility to XXXX Bank, yet this issue clearly stems from Venmos platform, which users like me rely on to monitor and manage accounts. XXXX can not be held accountable for Venmos app bugs or customer service failures.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX/XXXX XXXX have received payment for all students loans account under page 4 section B of the promissory note regarding payment to XXXX XXXX from XXXX. 

Equifax has deleted the accounts after payment was made regarding the promissory note under the FCRA regulations. 

To report all accounts as paid in full according to the promissory note with the department of education.
Product: Credit reporting or other personal consumer reports

Credit bureaus did not respond ay all and according to FCRA in the first request they are suppose to in 15 days which they chose to ignore see request below. 

Under 1681 U S C i ( 7 ) Method of verification-DESCRIPTION OF REINVESTIGATION PROCEDURE A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

Also under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b - Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report.

Please send the following information used to validate the items below and show where I gave written permission to be on my credit report in the first place, otherwise delete from my credit report immediately or I will seek monetary damages.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 card

There are fraudulent inquiries on my credit reports. XXXX : XXXX XXXXXXXX. Trans union : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I called comenity LLC to ask them for the 5th or 6th time not to charge my Bjs credit card for the membership fee and to shut the account down. 
My family hasnt been to Bjs in over a year even though I asked these companies not to charge me anymore were still being charged.
Product: Checking or savings account

re : XXXX This is hardly a new problem. I have two separate issues, which I will deal with in two separate submissions. They do all stem from the same initial problem. First new inquiry : I'm returning to this unfinished matter about Capital One and their failure to handle a problem of their own making in a proper way. 

I want the following question answered. It should be easy but I'd like an answer that makes sense. Here goes : WHY did Cap One cash an improperly-endorsed check ( " improperly '' according to their lights ) and then freeze the funds? 

Clearly, they discovered the issue right away, given that the money was deposited into my account and frozen, insofar as I can tell, virtually immediately? I checked my account the day right after my deposit and the monies ALREADY were frozen. Why, seeing there was an issue, did they not return the funds to XXXX immediately? What in the world impeded their return of the funds as soon as they realized that the checks were not endorsed properly? As it is, we are now firmly in month XXXX Can you not see that this an outrageous situation? XXXX months for $ XXXX? And they're still sitting on it. I want an answer to this question. An answer that makes sense. Anxiously awaiting your reply. 

Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past year I have been attempting to navigate a debt with experian and have not been given a thorough investigation inregards to my consumer transaction report with experian. I have sent multiple letters asking for Validation of debt, method of verification and have not been given any. I have asked for experian to show me how they are validating a debt that the other consumer reporting agency could not and have not gotten anything. I also wasnt given the proper notification to validate debt, and as the original creditor I DO NOT validate this debt. Section 15 USC 1681a ( 2 ) ( iii ) I have the right to deny anything being reported on my credit report.Section 611 ( a ) it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. These inaccurate findings are causing me distress and have stopped me from getting a home and riding employment. Attacking my character as someone who doesnt pay his alleged bills which is a violation of 15 USC 1692d ( 1 ). I am highly upset the credit bureaus have not responded back to me about my investigation. This is a serious matter. I need these accounts that aren't mind to be removed from my credit report immediately.
Product: Credit card or prepaid card

Chase bank XXXX XXXX card : BUSINESS CARD ( ... XXXX ) in name of XXXX XXXX Activity ended XX/XX/XXXX and card was unused for a year. IN FACT, I DON'T EVEN HAVE THE FULL CREDIT CARD NUMBER OR KNOW WHERE TO FIND IT. 

On XX/XX/XXXX, charges were attempted. These were reported as Fraud. The card was no longer active at all and all following activity should be XXXX. However, Chase has added illegitimate payments and {$40.00} fees every month since I reported fraud. 

I called in XX/XX/XXXX to report the fraud that began XX/XX/XXXX. The customer service rep acknowledged the fraud, but filed my report without completion, and lied that it was complete. Actually they only took responsibility for some of the charges and fees, and began adding new illegitimate fees on top every month after. 

This forced me to call back on XX/XX/XXXX. The second call was refused by the XXXX department, telling me that a fraud charge made on XX/XX/XXXX was not fraud, even though I had already reported it in XXXX. 

This charge is post-dated after the fraud charge from XX/XX/XXXX and can not be mine. 

Chase bank is violating my consumer rights by : ( 1 ) Adding illegitimate late fees ( 2 ) Failing to complete the first fraud report in XX/XX/XXXX, and lied that it was complete. 
( 3 ) Refusing to fix their mistake when I reported the same problem on XX/XX/XXXX. 

I demand that Chase stop adding illegitimate fees on my now closed account after I've reported the same fraud twice.
Product: Credit reporting or other personal consumer reports

1. FCRA Section 609 ( 15 U.S.C. 1681g ) I have the right to request full verification of all late payments reported on my credit file. If they can not be fully validated, they must be deleted.

2. FCRA Section 623 ( 15 U.S.C. 1681s-2 ) Data furnishers are legally required to ensure complete accuracy in their reporting. Any failure to verify late payments or incorrect reporting is a violation of federal law. 
3. FCRA Section 605 ( a ) ( 5 ) ( 15 U.S.C. 1681c ( a ) ( 5 ) ) Late payments older than seven years must be removed. If any of these late payments are beyond the reporting period, they are illegally being reported and must be deleted. 
4. FCRA Section 611 ( 15 U.S.C. 1681i ) Credit bureaus must promptly investigate any disputed item. If the late payment can not be verified with full documentation, it must be immediately removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give these companies my permission to post or give my credit information. It is a violation of my consumer rights according to Fair Credit Reporting Act under 15 USC 1681. 

15 USC 1681, section 602 A, states I have a right to privacy.

15 USC 1681 section 2 states that a consumer can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) section states : no consumer reporting agency may take any consumer report containing any of the following items of information, any adverse item of information, other than records of conviction of crimes which
antedotes 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

I have reviewed my credit report in XX/XX/2022 and sent certified letters to creditors as well a Experian, XXXX and XXXX Credit Reporting agencies, asking them to delete the information from my credit report because of inaccuracies, not my accounts and/or because it was published without my permission. Of course it is well over 30 days and they have not deleted these accounts from my credit report. 

On XX/XX/2022, I sent a certified letter for XXXX XXXX {$5900.00}, it has been charged off, it is still on my credit report. 

On XX/XX/2022, I sent a certified letter to Experian for XXXX {$2600.00} ; XXXX {$2100.00} ; the accounts are charged off, but they are still on my credit report. 

On XX/XX/2022, I sent a certified letter to XXXX for XXXX {$2600.00} ; XXXX {$2100.00} ; XXXX is on my new credit report 4 times for 2 loans. Some of the accounts dont have account number or other information is missing making it look like its a different account. the accounts have been charged off, it is still on my credit report. 

On XX/XX/2022, I sent a certified letter to XXXX for XXXX {$2600.00} ; XXXX {$2100.00} ; the accounts have been charged off, it is still on my credit report. 

On XX/XX/2022, I sent a certified letter to amshercollectionsservices for XXXX {$84.00} ; it sold it to XXXX XXXX XXXXXXXX on XX/XX/2022 and the accounts is on my XXXX credit report, but I never owed them anything and it is still on my credit report.
Product: Credit card or prepaid card

Hope all is well during this covid-19. Listen, i normally go to the store to pay the bill because i never receive statement, however, due to COVID-19 and the store being closed down, I was shocked when I reviewed my credit report and found late payment mark on XX/XX/2020 for 30 days late. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XX/XX/2023 Subject : Dispute of Inaccurate Information per 15 USC 6802 & 15 USC 1681-c-2 Dear Consumer Relations Department, I hope this letter finds you well. I am writing to formally dispute certain information contained in my consumer report as provided by your company. According to the provisions of 15 USC 6802 and 15 USC 1681-c-2, I have the right to request the accuracy and validity of the information being reported about me. 
I recently obtained a copy of my consumer report from your agency and found some inaccuracies that require your immediate attention. The discrepancies pertain to the following items : XXXX XXXX - XXXX : Account # XXXX {$2400.00} This is not my account, unfamiliar with such account Please Remove Account Due To Permissible Purpose 15 USC 1681b I must emphasize the significance of having accurate consumer reports, as they play a vital role in determining various aspects of my financial life, such as loan approvals, interest rates, and job applications. These inaccuracies have the potential to adversely impact my creditworthiness and financial standing, which is why I request your immediate attention to rectify these errors. 
Per the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ), it is the legal obligation of consumer reporting agencies to conduct a reasonable investigation upon receiving a dispute regarding the accuracy of information in a consumer report. I hereby request that you initiate a thorough investigation into the disputed items mentioned above. 
During your investigation, I kindly request that you verify the accuracy of the disputed information with the original creditor or data furnisher. 
Promptly update my consumer report with the correct and accurate information. 
Provide me with a written statement of the investigation results and any changes made to my consumer report. 
Please be aware that as of the date of this letter, it has been 65 days since my last letter, and I have not received any response from your agency regarding the investigation. This lack of response is in violation of the FCRA, which requires consumer reporting agencies to respond to disputes within 30 days. 
As such, I urge you to expedite the investigation and provide me with the results as soon as possible. Failure to comply with the FCRA 's timeline for investigating disputes may result in legal action. 
I have enclosed copies of relevant documents that support my claim. Additionally, I request that you inform all parties that have received my consumer report within the past [ number of months ] about the corrections made as a result of this investigation. 
I expect your prompt attention to this matter to ensure the accuracy of my consumer report. Your cooperation in this dispute is greatly appreciated, and I trust that you will handle this matter with the utmost professionalism and expediency.
Product: Mortgage

I closed a cash-out refinance with ( Rocket Mortgage by ) Quicken Loans on XX/XX/21. I signed the " 3 day right to rescind '' disclosure at closing, and I chose to invoke it on XX/XX/21. 

on XX/XX/21 I emailed my closing agent stating I wished to invoke my right to rescind, which they acknowledged, and I mailed a physical copy of the same letter, via certified mail on XX/XX/21. 

on XX/XX/21 the transaction executed, despite my rescission on the deal. I received the closing funds via wire transfer and my mortgage was paid off and my new mortgage opened with Quicken Loans with a balance of {$500000.00} It has now been 40 days since I invoked my right to rescind and I still do not have my mortgage back. have been in contact with a " resolution advocate '' at Quicken, but have not received any guidance on when the transaction will be unwound. They have repeatedly requested that I initiate a reversal of the wire transfer
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I learned that an address I did not enter or authorize was on my XXXX credit report. 

XX/XX/2024 XXXX informed me of fraudulent activity. Closed account and issued a new card. 
XX/XX/2024 I learned an XXXX online membership account was created. Not authorized by me. 
XX/XX/2024 Credit monitoring system informed me of hard inquiry on my XXXX. Not authorized by me. 
XX/XX/2024 I learned a phone number was added to my XXXX credit report. Not authorized by me. 
XX/XX/2024 Credit monitory system informed me of hard inquiry on my XXXX. Not authorized by me. 
XX/XX/2024 XXXXXXXX XXXX emailed & text that I applied for multiple accounts. Not authorized by me. 
XX/XX/2024 XXXX called if I applied for a XXXX XXXX credit. Not authorized by me. 
XX/XX/2024 XXXX XXXX emailed that my usernames were retrieved. Not authorized by me. 
XX/XX/2024 XXXX XXXX XXXX informed me of application for loan. Not authorized by me. 
XX/XX/2024 XXXX XXXX emailed that my usernames were retrieved. Not authorized by me. 
XX/XX/2024 XXXX XXXX emailed that my usernames were retrieved. Not authorized by me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I mailed a formal dispute to Experian by CERTIFIED MAIL via USPS with tracking information XXXX. USPS reports that the dispute was received by Experian on XX/XX/year>. 

In this letter, I demanded resolution of THREE ( 3 ) issues : - A credit furnisher XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has been incorrectly reporting my SSN. I provided my correct SSN, including a photocopy of my SSN card. I demanded that Experian update my reports to remove the incorrect SSN. 

- On XX/XX/year>, Experian provided INCORRECT information during a credit inquiry by XXXX XXXX. This inaccuracy resulted in an adverse action against me by XXXX XXXX, as they could not verify my SSN. I demanded that Experian remove this hard inquiry from my credit report, as the information provided was inaccurate and resulted in a wrongful adverse action. 

- On XX/XX/year>, Experian provided INCORRECT information during a credit inquiry by XXXX XXXX As in issue two, this resulted in an adverse action by the creditor due to their inability to verify my SSN. I demanded that Experian remove this hard inquiry from my credit report, as the information provided was inaccurate and resulted in a wrongful adverse action. 

Enclosed with the dispute was a copy of my Experian credit report from XX/XX/year>, a copy of my SSN card, my driving permit from the Ohio BMV as proof of identity and address, and a copy of my renter 's insurance and a bank statement as proof of address. 

As of XX/XX/year>, I have not received any correspondence or notice from Experian regarding my dispute. It has been well over the 30 day limit.
Product: Credit reporting or other personal consumer reports

I am currently rewriting my complaint with TRANSUNION concerning inaccuracies in the information on my accounts. Despite sending a letter requesting an investigation into the mentioned accounts, the process took over 30 days to complete. TRANSUNION claims to have finished the investigation, but upon reviewing my recent report, I observed no changes. They assert that the information is verified, but discrepancies in the date of last activity, date opened, date of last report, payment history, and status suggest otherwise. This situation seems unjust. I am aware of my rights under 15 U.S.C 1681 section 602 A, which guarantees my right to privacy, and 15 U.S.C 1681 section 604 A Section 2, stipulating that a consumer reporting agency can not furnish an account without my written instructions. I have attached my FTC with the report number XXXX for this complaint.