23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This particular account has been closed since XX/XX/2017. It is a charged off account that has a {$0.00} balance. 

According to the XXXX XXXX five points of compliance, this particular credit bureau ( Transunion ) is using ACDV ( Automated Credit Dispute Validation ). When using automated validation, information is not being correctly investigation because the e-Oscar system is simply just " copying and pasting '' old information and treating it as new. 

This account needs to be removed and deleted from my credit report. I have sent numerous letters to have this account removed to no avail.
Product: Payday loan, title loan, personal loan, or advance loan

Repeatedly have revoked authorization to withdraw from account. Dave inc continues to make withdrawals. The most recent was XXXX, even after multiple times revoking authorization and filing a prior complaint. It has to stop.
Product: Checking or savings account

When Truist was Suntrust, I opened an account and deposited {$100.00}. When I went back to withdraw some of the money, I was informed by the banker that I couldn't get my.money and to call support. The workers were rude and nasty as they said this. I called support and they informed me that my account was closed and that I couldn't get my money back. So essentially they stole {$100.00} from me. Fast forward to months later, I receive in the mail a bank statement from truist that says I have an account w them and it's {$75.00} in the account. So the company took from my starting balance. When I called truist to get my {$75.00} and take the {$24.00} as a lost, I was informed that I can not withdraw my money because I had never used the account. The thing is when I tried to use the account when it was suntrust I was denied access to my money. A bank stealing a measly {$100.00} from consumers and then taunting me w it by sending monthly statements saying I have money in this account I can't access
Product: Debt collection

This CFPB complaint serves as direct notification to the collection agency XXXX Credit Control , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX It is apparent that the collection agencies in the above complaint were unable to follow the law as stipulated by FCRA and FDCPA has sold this debt AGAIN to the current debt collector, Credit Control , LLC XXXX 
Again, this complaint is serving as an official notification to Credit Control LLC has 30 calendar days from the date the company opens this complaint or 30 calendar days from the XXXX XX/XX/year> ; whichever comes first ; to send a VALIDATION of the debt, a copy of the ORIGINAL contract with my signature, proof that Credit Control LLC has been assigned by the creditor to collect this debt, NOT assigned by another collector, per FCRA and FDCPA guidelines. 
Credit Control LLC also agrees NOT to resell this debt to another debt collector for the illegal attempt to capitalize off the Federal OPM Data Breach, or by doing so they agree to pay me, the undisputed amount, ten times the amount they are reporting, which is the sum of XXXX XXXX plus an additional amount of XXXXXXXX XXXX for pain and suffering. 

Both XXXX XXXX and XXXX XXXX XXXX were aware and notified of the OPM Data Breach and as such it was their responsibility to pass that information on to Credit Control , LLC as they should have received it upon purchasing this debt. I will not yet AGAIN, provide this information. 

I will NOT accept " verification '' as owing this debt per law as stipulated by FCRA and FDCPA guidelines.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep frustration and dissatisfaction with the multiple unsuccessful attempts I have made to rectify late open accounts associated with my financial profile. The persistence of these inaccuracies is causing significant inconvenience and distress. 

The late open accounts that have been inaccurately associated with my financial history are adversely affecting my creditworthiness and overall financial well-being. I first brought this matter to your institution 's attention, and since then, I have made several diligent attempts to have it resolved. Regrettably, my efforts have not led to any meaningful resolution. 

I initially submitted a request to correct these late open accounts, providing all the required documentation and evidence to demonstrate their inaccuracy. However, my dispute was denied without a clear explanation or thorough investigation. 

Undeterred, I submitted a second request, reiterating the evidence that these late open accounts are indeed erroneous. To my dismay, this request was also denied without any indication of progress or resolution. 

In light of these unsuccessful attempts, I made a third and final effort to address this matter, hoping that my concerns would finally be addressed appropriately. Unfortunately, I have not received any communication indicating that my dispute is being actively investigated or that there has been any progress toward its resolution. 

I can not overstate the serious consequences these late open accounts have had on my financial well-being. They have hindered my ability to secure loans, credit, and favorable interest rates, making it exceedingly difficult to meet my financial obligations and achieve my financial goals. 

I urgently request that your institution takes immediate and effective action to correct this situation. I expect a comprehensive review of the late open accounts and, if found to be erroneous, their prompt removal from my financial records. Furthermore, I request written documentation confirming the correction of these inaccuracies and their impact on my credit score. 

I also urge your organization to improve its dispute resolution process to better serve customers. The repeated failures to address this matter properly have eroded my trust in your ability to handle financial matters accurately and fairly. Please assist me to correct the following late open accounts : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I made a purchase from XXXX XXXX XXXX on XX/XX/2022 in the amount of {$6000.00}. This merchant had an " Anytime Refund Guarantee '' stating they would offer a full refund at anytime. When i requested a refund from this merchant, they stopped communicating with me and are no longer responding. Apparently, they have scammed quite a few consumers. I reached out to my credit card company to dispute the charge and sent over supporting documentation to them. However, and unfortunately, they only sent me a letter with a vague response stating that the documentation i provided " did not support '' my claim- with no further explanation of their findings. This was the second time i opened the same dispute, with the first one being denied as they needed documentation.
Product: Credit reporting or other personal consumer reports

THE ACCOUNT IS OVER 7 YEARS REPORTING ON MY CREDIT FILE AND BY LAW FCRA A CHARGE OFF CAN NO EXCEED 7 YEARS REPORTING TO YOUR FILE. ALSO A CHARGE OFF AT XXXX CAN NOT BE PAST DUE OR ACCURE MORE AMOUNTS ADDED TO THE CREDIT FILE. THE CREDIT BUREAU HAS THIS ACCOUNT REPORTING ON MY REPORT AND THIS IS ILLEGAL
Product: Credit reporting or other personal consumer reports

I am listing 2 inquiries fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/year>. XXXX XXXX XX/XX/year>. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my credit report.
Product: Credit card

On XX/XX/year> at XXXX AM I scheduled an In Office massage for XXXX PM for the same day and paid a deposit for {$77.00} with XXXX XXXX of XXXX XXXX. I booked and paid for the service using the third-party app ( XXXX ) which showed availability for the time slot. Please see attachment receipt_1 which shows the deposit I paid of {$77.00}. Please see attachment XXXX which shows that I had booked an In Office massage. Please see attachment XXXX which shows that the appointment was pending. On XX/XX/year> at XXXX XXXX  I texted XXXX XXXX to confirm the appointment time. I did not hear a response. I arrived to the XXXX XXXX massage location for the XXXX XXXX  massage. The sign on the door said XXXX XXXX XXXX, which has the same address as the receipt for the massage. The door was locked and I left the location at XXXX XXXX. At XXXX XXXX  XXXX left a voicemail stating that he received my text and appointment request but he recently moved out of that location and he can only do mobile visits so he can not accept my appointment. I did not book a mobile visit massage so I texted XXXX requesting a refund for the deposit. He did not respond and did not offer a refund for the deposit. Please see attachment XXXX which shows my texts to XXXX. Please see attachment XXXX  which shows the voicemail transcript from XXXX. Please see attachment XXXX which shows the front door of the office location with timestamp of XXXX XXXX  on XX/XX/year> at the top of the picture. Please see attachment XXXX which shows the google maps address matches the address on the appointment receipt email. Please see XXXX which shows the google maps address matches the address on the appointment email.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written AESXXXX several letters disputing information reporting inaccurately in my credit file and they have NOT done an investigation. If they had, they would see the errors and they should not have sent me a verified as accurate letter. I informed XXXX XXXX XXXX and XXXX as well as AESXXXX that there are two different dates for last payment. IT HAS NOT BEEN CHANGED OR UPDATED. I informed them of no account number on my XXXX report. IT HAS NOT BEEN CHANGED OR UPDATED. This was not an accurate investigation at all!!!!! AES and all the credit bureaus continue to report in accurately damaging my credit. All information must be correct on all of my credit reports according to the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

These 3 accounts are not mine. Please remove it. Thank you.
Product: Consumer Loan

My lender automatically compounds the interest on my loan daily while only offering a facility to pay semi-monthly.
Product: Debt collection

Ive mailed Progressive Management Systems for them to validate this alleged debt. They have sent me a letter that looks like it was generaded using XXXX XXXX. Nothing on this letter validated that it is indeed myself and that I owed them any money. Anyone could of easly generated this letter, obtained my name and say that I owe them money. It contains no contract agreement, no signatures or anything saying that I owe this XXXX   company money. This does not seem like a valid form of Validation. Ive also tired to contact them to just settle this amount even though they didnt properly validate so I can move on from this but XXXX failed to respond.
Product: Checking or savings account

On Saturday XX/XX/XXXX at XXXX XXXX I went to deposit the amount of {$560.00} at the ATM in XXXX in XXXX with zip code XXXX ATM code XXXX and since then the bank opened a claim where they informed me that in 48 hours they would resolve the situation but So far they have not returned my money, affecting me a lot since for this reason I have not been able to pay for some services. 

Today is XX/XX/2022 waiting...
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting a tradeline that I never applied for to my consumer credit file. I never authorized an account with XXXX XXXX XXXX nor was I aware that an account was ever opened in my name. XXXX XXXX XXXX is in violation of the FCRA by reporting this tradeline to my consumer file as I never agreed to any line of credit with XXXX. In accordance with FCRA Section 609 I am requesting all contractual documents stating and proving that I am responsible for this account and that I agreed to and authorized such an account. I can not see any type of account number listed for the tradeline on my credit report. Remove this erroneous tradeline immediately as this is a complete violation of the FCRA. XXXX XXXX XX/XX/1980 XXXX
Product: Debt collection

Consumer Adjuster says that i owed XXXX and this is already paid out and they are trying to extort more money out of me even though i dont have it so please do something about this matter.
Product: Credit reporting or other personal consumer reports

I have written to the companies listed on this complaint, I have written to XXXX, XXXX, XXXX and levied complaints about these unknown transaction. I have sent certified letters that, That have been signed and verified with a notary public stamp and signature.
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification.

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General\ 's office, should you continue in your noncompliance. I further remind you that, as in Wagner v. Trans Union Corp., No.95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance.
Product: Debt collection

Debt company - Frost Arnett https : //www.frost-arnett.comXXXX First contact was received on XX/XX/XXXX at XXXX XXXX CST. They informed me they were calling to collect a debt of $ 600-ish for medical debt almost 4 years old, i requested a verification of that debt be sent to me before any more communication occurred. They agreed and the call ended. 

Second call was received on XX/XX/XXXX at XXXX CST informing me they were attempting to collect a debt. I stated i had not received the validation of the debt and asked they not contact me until that validation was received. 

Third call was made by me from my work phone the week of XX/XX/XXXX. I had NOT received a validation of the debt and asked for them to send it. They agreed to send one. 

Fourth call was made by me from my work phone the week of XX/XX/XXXX. I had NOT received a validation of the debt and asked for them to send it. They agreed to send one. 

Today is XX/XX/XXXX and i have yet to receive a validation of the debt. I am sending them a formal request via certified mail with receipt request today. Also filing a complain with you because this shady behavior is unacceptable. 

I wish to add that You keep sending Mail to a PO BOX that doesn't work. I keep asking you to send any and all correspondence to XXXX XXXX XXXX XXXX, XXXX TN. XXXX.
Product: Mortgage

On  XXXX   XXXX ,  XXXX  I contacted my mortgage lende r ( Nationstar ) to reques t information about my adjustable rate mortgage. It was scheduled to reset ( for the second time ) beginning with my  XXXX   XXXX  payment. I have on file a statement from them indicating that my 3.5 % mortgage rate was good through  XXXX   XXXX   XXXX . On  XXXX ,  XXXX  a new statement was sent to me indicating that, beginning  XXXX   XXXX ,  XXXX , my interest rate would increase to 4.0 % and my payment would increase by {$130.00}. I received NO correspondence, written or electronic, that this increase would occur. In fact, I was told by phone that my 3.5 % rate was good through  XXXX   XXXX ,  XXXX  and my  XXXX   XXXX ,  XXXX  statement indicates the same. I am about to cont act Nationstar to tell t hem about their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX Original Creditor : 01 XXXX XXXX XXXX ) XXXX ... SW CRDT SYS ( Original Creditor : 11 XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Student loan

I have been in contact with MOHELA since XX/XX/XXXX concerning XXXX payments that, as of XX/XX/XXXX, have yet to be credited to my loan account, resulting in the accrual of interest on an incorrect balance. A supervisor I spoke with in XX/XX/XXXX indicated that she had reached out to MOHELAs accounting department to investigate the status of my payments, as she acknowledged the existing discrepancy. Additionally, I have submitted my bank statements from XXXX and XX/XX/XXXX as evidence that the funds were indeed withdrawn from my account. Unfortunately, I continue to receive vague responses each time I communicate with a representative. Each individual I have spoken with claims that the matter is still under investigation and advises me to wait 30 to 90 days for an update, a timeframe that has long since elapsed. To rectify this situation, I want my payments to be applied to my account and that the interest be adjusted retroactively to align with the dates of my payments. I made a payment of {$1000.00} on XX/XX/XXXX, followed by a second payment of {$1000.00} on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I discovered through our mortgage loan back ground check that I had a late payment in XXXX of XXXX that says I was 90 days late on payment. The status of my school loans has always been current and doesn't make any sense why in XXXX of XXXX I was 90 days late when the XXXX month shows current and XXXX as well. My score in XXXX of XXXX was XXXX and the mortgage lender is suggesting that the XXXX late payment was added recently. But I have never missed a payment. I contacted Mohela who has the loans and they said to contact XXXX XXXX XXXX which had my loans before. I never moved to Mohela that was done automatically by the gov.
Product: Credit reporting or other personal consumer reports

Please block and remove the unauthorized accounts from my credit report as soon as possible. I did not open or authorize these accounts and have no knowledge of their origins. In compliance with USC 1681g, I request their removal within 15 days. Attached are the relevant documents for your review and reference.
Product: Credit reporting or other personal consumer reports

these companies have been notified to cease and desist all credit reporting and communication with the consumer. misuse of consumer report is a violation in accordance to FCRA. specific remedy has been demanded pursuant to 15 USC 1692c. ( c ) ( 2 ) failure to comply will result in legal action against all companies in violation.
Product: Money transfer, virtual currency, or money service

( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redres for these violations.
Product: Credit reporting or other personal consumer reports

Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit card

I was charged interest on my credit card account when the account was entirely paid off. The account had a balance of {$440.00}. On XX/XX/24 I paid {$100.00}. On XX/XX/24 I paid XXXX. The entire remaining balance. XX/XX/24 is my payment due date. On XX/XX/24 I was charged {$7.00} in interest, yet there was no balance owed on the account. I contacted them and was ignored and told to pay the money. Then contacted again to get another agent and was told it was interest. When I explained you cant charge interest on {$0.00}, they told me I was charged interest on my balance. I asked for a supervisor and was denied. So I hung up and called again, again asking for a supervisor. After sitting on hold I was told someone would contact me in 24 hours or less. A week later I get an email from someone claiming to be a supervisor, they list the payments and amount owed and then tell me it was interest. They completely contradicted themselves by saying the dates that it was paid off. So there was no balance on the card to charge interest on. They told me this would be resolved right away yet now they reported late payment to my credit hurting my credit badly. I paid the interest ( which they now doubled with late fees! ) of {$16.00}. Which was fraudulently charged. I want my money back and this company should be fined for its illegal charging of clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis stated they obtained my bankruptcy from the U.S Bankruptcy court which is not true the bankruptcy court does not provide third parties with public records. I never consented to Lexis Nexis obtaining my information from a third party which they used pacer.gov illegally to obtain my Public record then they furnished my information to the three credit bureau XXXX, XXXX, XXXX. This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. 

This is affecting me and adding emotional stress to my life I am trying to buy a home and certain things like this are preventing me from doing so I am requesting for you to please review and do your due diligence by me the consumer to get this matter corrected as soon as possible