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

In accordance with the fair credit reporting act this creditor ( NAVY FEDERAL CR UNION ) has violated my rights under 15 usc 1681 section 602. States I have the right to privacy.. 15 usc 1681 section 604A section2. It also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 usc 1666B a creditor must not treat a payment on a credit card account as late on a open end credit card account for any purpose
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

On multiple occasions I have reached out to Bank of America pre-paid account representatives who have unfortunately been less than helpful in assisting me to resolve the issues with the EDD debit card. On XX/XX/2021 I had a debit card purchase attempt and failed to reply to the text in a timely fashion. Since then, it has been a nightmare. I have no access to my online account and am being told that my card is closed. Bank of America reps tell me continuously to refer to my sponsor ( EDD ) who have attempted to no avail, both verbally and electronically to confirm with Bank of America there are no security issues, no request to close my account and so on. 

Quite naturally this has placed me in a compromising position as bill payments have been rejected and I am unable to receive the funds that were on the card as well as the new benefits payments. As recent as today, I spoke to XXXX at XXXX XXXX and was advised Sorry, we are working on it. Just be patient. A supervisor XXXX that I was transferred to states the card was closed on XX/XX/2021 by the fraud department the same date the transaction was attempted at XXXX XXXX. She confirmed that EDD played no role in this and no check has even been sent out for the credit balance that has now been essentially stolen, seeing as though I cant even access my online account nor the statement sent XX/XX/2021. 

I have been repeatedly lied to, and told there is a so called investigation ongoing. No-one, has been investigating this matter ( as there is nothing to investigate ) and at the end of today 's call as a show of understanding at XXXX, XXXX advised me that some customers have been waiting longer than a month for similar issues to be resolved. That is absolutely horrific and I need immediate resolve.
Product: Debt collection

In accordance to FCRA Section 609, these accounts was further disputed in XXXX XXXX. Ad Astra Recovery did not respond to initial dispute within 30 days as allowed by the FCRA. They have continued to report inaccurate information and these XXXX accounts to XXXX credit bureaus. In accordance, they are bound by FCRA to remove alleged debt from that is being reported. It is now XXXX XXXX, XXXX and past 60 days when these accounts were initially disputed. Ad Astra Recovery Service has continued to attempt to collect debt that they know is not valid and not able to be verified. Multiple disputes in regards to this issue have been filed over this, including a previous dispute with CFPB. In addition, Ad Astra Recovery removed the XXXX accounts in question from my XXXX reports but still failed to remove the XXXX accounts from my XXXX and XXXX reports. They have blatantly broken the law as they relate to FDCPA and FCRA guidelines. On more than one occasion, I have tried to resolve this issue with them but they are refusing to follow the law in regards to this issue. The accounts need to be removed. They also stated that documentation was mailed to me which is false. Nothing since they placed these accounts on my reports has been mailed to me. The second issue is that it had been has been proven that the accounts are not valid, no information was provided to verify this account. They state that they are about professionalism but it is obvious that they are not. They have been deceitful, dishonest, and unprofessional in the manner that they have handled this issue from day one. I feel that the only course of action is to file a civil suit which my attorneys have drafted up and will present with my signed petition on XXXX/XXXX/XXXX. I am tired of dealing with this company and this issue. I will also be filing a complaint with the Attorney General as it is within my rights. They have made this process long and hard. I have also provided proof that they deleted the items from XXXX report but not from the other XXXX credit reporting agencies. Also they could not verify definitively that the accounts are mine and that they belonged on my credit. If they were sure they belonged to me, why did they remove them from XXXX credit report ( XXXX ) and not from XXXX or XXXX? This is what I mean by dishonest and unprofesisonal business ethics and practices. They have cost me money in this process of disputing with them and this is getting out of hand. They stated that they have a right to collect but they indeed DO NOT by rights and provisions provided to consumers under FDCPA and FCRA. This harassment and blatant disregard for the law is what is have me want to seek damages from Ad Astra Recovery with filing legal suit against them.
Product: Mortgage

On or about XX/XX/XXXX. 2018 we received a letter from SunTrust Mortgage stating our account was past due.

We found this to be strange as we have automatic payments and the money was taken from our account.

My spouse called SunTrust the same day and the representative said that we are not in arrears and the mistake was theirs. My wife asked for a letter to that effect and was told their was no need for a letter and not to worry. 
On XX/XX/2018 we received another letter about the delinquency of our mortgage and that it is a serious matter. I called SunTrust on XX/XX/2018 and was told that the letter was automatically generated do to the glitch in their system and to ignore it. i stated that i could not ignore the problem and would like a letter stating that we were not at fault, in case the problem arose in the future. I was told to call their customer service at XXXX. 
i called that number and was told that they were a different company not affiliated with SunTrust. 
We are beginning to suspect this a scam and would like help in obtaining written acknowledgment from Suntrust.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I have noticed hard inquires I do not recognize. I have contacted all 3 CRAs, and they refuse to dispute or investigate the inquires. Attached is an FTC report indicating all the unauthorized inquiries ( including in the personal statement section ) that should be removed from my credit profile.

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries. Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit reporting, credit repair services, 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  Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit card or prepaid card

I have a Venture card with Capital one and I made a car rental booking with them for XXXX XXXX  and they have banners showing free cancellation on the booking page, but when calling to cancel the reservation they refuse to refund me my money back mentioning fine print abusive tactics.
Product: Debt or credit management

I was charger in my credit something I didnt purchase an its dropped my credit score drastically I dont know what else to do
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, there were a few accounts listed that did not belong to me. Here are the accounts listed XXXX XXXX XXXX Bal- {$20.00} Opened- XX/XX/XXXX XXXX XXXX XXXX- XXXX Bal- {$360.00} Opened : XX/XX/XXXX XXXX XXXX XXXX- XXXX Bal- {$0.00} Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX Bal- {$6100.00} Opened : XX/XX/XXXX XXXX XXXX XXXX Bal- {$250.00} Opened : XX/XX/XXXX
Product: Checking or savings account

On XX/XX/year> I received an invoice from a vendor for US {$3200.00}. I paid with by business checking account debit card in US . I later found out that Citizens charged a " foreign exchange fee '' of {$89.00}. Even though there was no foreign exchange involved. I contacted Citizen 's who claimed that, despite what it said on my bank statement, this was a " foreign transaction fee '' and they were entitled to it by the terms of their " product disclosures '' although they refused to show me exactly where that was.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, aresidential leases was signed. 

On XX/XX/XXXX, I provided expressed and written notice that the lease will not be renewed given the monthly rental rate increase. As a result, the lease was fulfilled and a month-to-month agreement was created. 

On XX/XX/XXXX, I moved out of the subject housing unit at the agreed upon date leaving the apartment cleaned and in normal wear and tear condition. 

On XX/XX/XXXX, National Credit Systems , Inc., notified me that there was a rental balance owed of {$2000.00}. I responded shortly after receiving this email that the alleged debt was not accurate, there would be legal action taken if this file was reported to the actual Credit Reporting Agencies ( given there are reporting agencies that handle residential leases and tenant history ) and choosing to post this account would cause financial losses. 

Between XX/XX/XXXX and when I moved out of the leased apartment, I received no correspondence, demands, court filings, service, letters, notification of any amounts owed, evidencing their claim, etc. 

Prior to and after vacating the unit, there were no notification of damages to the unit, charges that would be paid from the security deposit, monies owed, balances for rent due, opportunity to cure, etc. 

InXXXX XXXXXXXX, Defendant decided to put this fraudulent and none credit account, on my credit report. 

Since XX/XX/XXXX, Plaintiff has been unable to access credit or conduct business, suffered profit losses and faced financial discrimination - due to this inaccurate consumer credit account. 

To date, no debt verification, validation or proof that a debt is owed has been received. Yet, the Account remains posted on XXXX and XXXX after I forwarded proof of payment. 

Its without question, if the Company had not acted in fraud, negligence, retaliation, and unjustly - I would have not suffered monetary damages in the form of credit denials from business lenders that use personal Credit Reporting Agencies to determine funding. Since the Company 's actions, I have been unable to refinance or purchase any properties given the drop in credit score directly affecting commercial transactions, business performance and economic opportunities.
Product: Money transfer, virtual currency, or money service

I was scammed of over XXXX dollars and sent money to a Chase account supposedly was supposed to be sent to help a romantic scammer, he had me wire money to a Chase Bank account, I did not know this person and have provided the persons name and account number from Chase back and nothing has been done, I'm sure I have not been the only one that has sent money to this account and would like this account and person investigated. 
Chase Bank XXXX XXXX Routing number XXXX Account number 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc . ) Due to inadequate customer service and 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 unfair and deceptive, as they did not comply with error resolution requirements under the The Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss and i seek appropriate redress for these violations.
Product: Debt collection

On XX/XX/2018 I was called on my mobile phone number by an " UNKNOWN NUMBER ''. The caller left a message as such : " This message is intended for ( First name, last name - both correct ), my name is XXXX XXXX contacting you about a complaint in my office being considered for legal action. Contact the firm at XXXX with any questions or concerns regarding case # ( 6 digit number ). No contact may result in a decision perhaps made without your consent. '' I dialed the number and a young lady asked to confirm my case number and then read me that last 4 digits of my social security number to confirm my identity. She stated that the company was going to file a judgment against me on behalf of XXXX   XXXX XXXX  for a debt that I owed. ( That debt is over 10 years old and the Statue of Limitations has passed and the amount was very small ). I asked her the name of her company and she stated " XXXX XXXX XXXX ''. I asked her if they were a collection agency or attorney firm and she couldn't answer the question so I asked to speak to an attorney there. She put me on a long hold and finally a man named XXXX XXXX answered. I asked him to clarify the name of the company and he refused. When I stated incorrectly XXXX XXXX XXXX, he said, " well obviously you don't hear well because the name is XXXX XXXX XXXX. '' He was extremely rude and I informed him that I didn't feel I owed the debt and that possibly the SOL had expired and he said, " Well, since you are a CSI guy and watch television you think you know the law now '' I informed him that I was well aware of my rights and the nature of the FDCPA and that I believed he was in violation. I asked the address where he supposedly sent the demand letter with all supporting documentation. The address he gave has never been an address at which I lived or worked, nor is it an actual address in any of the places I have ever lived. I asked to speak to an attorney there and he said one had not been assigned and that I was wasting his time and that I wouldn't get to speak to an attorney. I asked him if my attorney called would my attorney get to speak with an attorney. He became extremely rude and stated that he was busy and I was wasting his time. He hung up on me in mid sentence shortly after that. 

Additional calls were more of the same banter - I tried inform him that his company name was not listed as a company with the CA Secretary of State and he said that was my problem for not know how to use a computer and  again was extremely rude. He stated I was harassing them for trying to get clarification. 

After research online, it seems that this company has many complaints from other consumers on various telemarketing bulletins boards and complaint sites that they never have the correct information and threaten legal action to collect money. 

Here are some examples : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a written request for my consumer file to XXXX XXXX and TRANSUNION. TRANSUNION replied with a refusal to send me a copy of my consumer file stating that I've already received a copy which is completely false.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts / information reporting to my credit report. These remarks have been detrimental to my life and credit health.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found XXXX  days late payment on the dates XX/XX/XXXX, XX/XX/XXXX and XXXX  days late payment on the dates XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian In opt out by letter and CFPB and on my Report # XXXX for XX/XX/2021 shows Clarity Services INC/XXXX/XXXX/XXXX XXXX shows XXXX has all these soft inquires. I opt out with Experian. I did not request or ask Clarity for n.o services by phone internet or contract or ask for any credit of any form. 
I have also filed with the US Attorney office and file a police report for fraud on Experian/Clarity If Experian opt out all this fraud would not be going on
Product: Student loan

I sold my home in order to pay off my student debt. I had the money from the sale of my home put into a bank account through XXXX so I could easily pay the debt online. When I made the payment through XXXX I could only find one account number online with Navient, the company servicing my loans, so I submitted the full amount for all 6 loans ( 4 for the Department of Education, 2 for Federal Student loans ). Navient took the money and paid of my 2 Federal Student Loans on XX/XX/2018 and set the remaining {$25.00}, XXXX  in my account as a credit! When I found out my Department of Education Loans were not paid and still accruing interest, I called them. Their comment was " The Department of Education does not take wire transfers ''. I explained it was not a wire transfer, but a payment directly from my account, and they told me it was not. I asked them to refund my money and they stated it would have to stay in my account for five more days, until XX/XX/XXXX as their policy was it had to remain there for 15 days after receiving it to make sure it was good. On XX/XX/2018 I went into the Navient website and manually paid each Department of Education loan off separately through the same account and they went through. The Federal Student Loans have been paid in full, shows they are paid in full, but are keeping the {$25000.00} in case it was not good? I explained it did not make sense, but they assured me it would be refunded. I still do not have the money in my account and now it shows a - {$25000.00} reversal on the Navient website, but it has not reached my account. How long are they allowed to keep my money?? I asked them if they would be paying me interest on my money since they have been holding it so long and they replied " We do not pay interest ''. They have had my money for over 20 days and I still haven't received the refund. What is my recourse???
Product: Debt collection

XXXX called my sister told her " if I did not contact him that my job will be in jeopardy. ' I contacted XXXX asked why he was communicating my debt with persons other myself. he proceeded to threaten me by telling me he will put a lien on my mortgage and vehicles. He also stated that he will contact my boss to make sure he knew about the debt.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, this statement is being generated by me. Per the Fair Credit Reporting Act, accounts should not be furnished on my consumer report as they are in VIOLATION under, 15 U.S. Code 1681-B : the permissible purpose 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 instruction of the consumer to whom it relates. I NEVER GAVE this consumer my INSTRUCTIONS OR WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT! I am demanding removal of these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I demand removal of this inquiry : XXXX XXXX  XXXX. I demand the removal of this incorrect information : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX