23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT ACT ACCOUNT NUMBER : 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 CUSTOMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITH OUT MY WRITTEN INSTRUCTIONS.
Product: Debt or credit management

If a consumer notifies a debt collector thats the consumer refuses to pay a debt the debt collector must cease all communication.
Product: Checking or savings account

I have a savings account with Purepoint Financial ( " Purepoint '' ), a division of MUFG Union Bank, N.A. ( " Union Bank '' ). The latter 's website states that I may request from Union Bank and its affiliates a document called the " Verification of Deposit '' ( VOD ) for my account, which verifies various types of account information, including the average XXXX balance, among other items. I have attempted to request this document for immigration purposes, and have encountered unreasonable difficulties as a result of Purepoint 's deceptive practices in and blatant refusal for honoring its own corporate policies. 

I initially requested the VOD on XX/XX/2020 over the phone from Purepoint. The document I received was merely the " Verification of Deposit Request '' form, and not the actual VOD itself. I called Purepoint again on XX/XX/2020 to again request the VOD. The customer service agent repeatedly and falsely insisted that what I received was the actual VOD document, even though the form I received was nothing more than a fillable PDF form freely modifiable by anyone, and it clearly states that it is a request form to be faxed to XXXX for requesting the VOD. A similar form with the same fax number is in fact freely available for download from Union Bank 's website.

I did fax in the VOD request form given to me, and received a response stating that the request could not be processed because of incorrect social security number and incomplete account number. The former is simply false, and the latter is because the form provided to me does not permit inputting a full account number. After requesting to escalate the matter, I received a call from XXXX XXXX, XXXX XXXXXXXX XXXX XXXX from Union Bank, who advised me to use the Union Bank 's VOD request form, which does permit inputting a full account number. My resubmitted request for a VOD has generated no response even though the specified XXXXbusiness-day time frame has passed.

I again received a call from a customer service agent from Purepoint on XX/XX/2020. This time, instead of insisting that the document I was given was the actual VOD, I was simply told that I can not request a VOD, which is categorically false according to Union Bank 's own policies.

I have been a customer of Purepoint since its inception as a division of Union Bank, and have always kept a substantial balance in my account. I am deeply disappointed and gravely appalled by the level of dishonesty as well as the glaring disregard to corporate policies and customer needs this bank engages in, which have caused me enormous frustration for simply requesting a well-established document that verifies my account and deposit.
Product: Checking or savings account

Ive been charged multiple times over the years for overdraft Id like you to look into it
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1601 is part of the Truth in Lending Act ( TILA ), also known as Title I of the Consumer Credit Protection Act. It contains congressional findings and a declaration of purpose for the subchapter, which is to : Ensure consumers can compare credit terms and avoid uninformed credit use Protect consumers from unfair and inaccurate credit billing and credit card practices Strengthen competition among financial institutions and other firms XX/XX/XXXX Acct # XXXX, XXXX Acct # XXXX I want to dispute and delete this off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize any of the listed inquiries below and request that they all be Deleted from all three credit reporting agencies. Thank You. 

Inquiries Creditor Name Date of inquiry Credit Bureau XXXX XX/XX/2021 XXXX EXPERIAN XXXX XXXX  XX/XX/2021 Experian XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 Experian
Product: Credit card or prepaid card

On XX/XX/2023 i was told that someone had empty my balance on my bank of america card and made a claim on the funds. The funds were stolen by someone and that same person tried making a claim on the money. So calling in i tried to figure where my card was and found all this out. Its been 45 days since the claim has been filed and nothing has been resolved. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I realized there were numerous inquiries and accounts listed that are not related to any transactions made by me.
Product: Debt collection

This collection agency has been harassing me for months. I have asked them on more than XXXX occasion to validate this date. They have sent my letters of validation back to me twice. I have asked the credit agencies to look into this and dispute this information ; however, they have not been successful and they report that XXXX XXXX would send me verification ; however, they have not provided any additional information. XXXX weeks ago, I received a letter from a company called XXXX XXXX saying they brought this account from XXXX. XXXX is not following XXXX XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), Debt Validation gives you the right to request written proof from a collection agency, that you owe them a debt ; it also gives you the right to remove any inaccuracies on a debt and the right to request debt elimination.
Product: Credit card or prepaid card

I use a number of financial management applications that leverage fully legal financial aggregation services to pull my checking, savings, and credit account information together. Over the course of the last month, Capital One has taken an active role in blocking my ability to use these 3rd-party services with my data stored in Capital One 's systems.

I am filing this complaint in response to discovering that this was not just impacting me, but all Capital One customers -- My financial data is my own and I should be permitted to use my data however I so choose, not just in the prescribed, highly restricted access Capital One offers.

In calls with Customer Service, I was told that this restriction is put in place for my own protection, however that is not Capital One 's place to be able to make that distinction -- I get to choose where I bank, how I bank, and with whom I share my banking information. I get to vet the security of a given service not Capital One 's one-size fits none approach they have taken by blocking all 3rd party access to my financial data, be it through financial aggregators like XXXX, or XXXX XXXX XXXX.
Product: Checking or savings account

I called Chase again today to discuss how many fees they have assessed to my account, which since XX/XX/XXXX has been 12 fees total. That's {$400.00} in fees in one month. I am extremely frustrated. Their team keeps reiterating that they can't return any of the fees, but they also can't stop the automatic payments that are causing them. I opted opted out of overdraft protection. My card is supposed to be declined if I do not have the funds. I asked the customer service representative, " So you're telling me the only satisfactory way for me to have a relationship with Chase is to close my account or just never use my debit card for anything which is absurd, why even have it? '' She said, " Yes. '' So at this point, they haven't contacted me yet since the last consumer complaint, I just want the fees refunded and I want to close the account. I've never in my life had so many problems with one bank. They've also consistently informed me that there's no way for them to stop these automatic payments, but based on what I've read on the ConsumerFinance.Gov site that's not true. They just haven't been forward about telling me how to stop it which would mean putting a stop payment on each merchant. That's shady. They are not interested in helping their consumers.
Product: Debt collection

My name is XXXX XXXX, and I am reaching out on behalf of myself and my fiance, XXXX XXXX, regarding a collection account erroneously reported by I.Q. Data International , Inc. This account reflects a balance of {$3000.00}, along with {$230.00} in fees, allegedly owed to our former landlord, XXXX XXXX. 

We wish to clarify that neither of us has a contractual agreement with I.Q. Data International , Inc. Furthermore, this collection is negatively impacting both of our credit reports. 

On XX/XX/year>2024, I mailed a certified letter ( tracking number : XXXX ) to I.Q. Data International , Inc., requesting validation of the debt and offering a settlement of {$300.00} under a " Pay for Deletion '' arrangement. While the letter was confirmed as delivered, we have not received any response.

Additionally, the attached lease agreement from XXXX XXXX confirms that no additional charges should have been applied. This further supports our position that the fees added by the collection agency are unwarranted.

We kindly request your assistance in having this collection account removed from our credit reports. Please find the following documents attached for your reference : A copy of the lease agreement with XXXX XXXX. 
Confirmation of certified mail delivery.

The letter sent to I.Q. Data International , Inc.

Thank you for your prompt attention to this matter. Should you require any additional information, please do not hesitate to contact me at [ XXXX XXXX XXXX  ] or [ XXXX XXXX XXXX ]. 

Sincerely, XXXX XXXX
Product: Debt collection

Was contacted by XXXX XXXX  XXXX constantly. I told them not to call but they continued. I asked for proof of the debt and they have not responded to that request. They sent someone with documents indicating they were going to sue me.And this person came to my door and tried to force his way in my home, I blocked him took the papers and then went out and took a picture of his licence plate and reported him to the police.
Product: Credit reporting or other personal consumer reports

I mailed Transunion XX/XX/XXXXXXXX  and in XX/XX/XXXXXXXX  and XX/XX/XXXXXXXX  my FTC Identity Theft report, notarized letter itemizing the theft and FTC legal notices. 
Transunion will not let me upload my documents and this is fraud. 

I uploaded XXXX my documents attached and no response XX/XX/XXXX. 

I want my credit score increased.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Card refuses to report correct balance to Credit Reporting Agencies. I have warned XXXX Customer Service that they are ruining my credit score because they refuse to report the correct balance on time each month. Currently the entire balance has been paid off as of XX/XX/2023, and I filed a dispute twice with Experian, and XXXX responded lying and stating that I owed them {$130.00}. I can prove with my bank statement that I paid the account off. It is very important that credit card companies submit the correct information each month to the credit reporting agencies. 
My credit score is low and I should have excellent credit with a much higher score over XXXX. I am now canceling the XXXX account after XXXX years of trying to improve my credit score and they continue to lie to the credit agencies. My next step is to file a lawsuit against XXXX for violation of the Fair Credit Reporting Act.
Product: Student loan

On XXXX XXXX XXXX I submitted a one page form to Edfinancial, together with a cover letter explaining what I needed. The letter and form asked Edfinancial to verify the amount of my outstanding loan ( {$1100.00} ). The Edfinancial website does not have an obvious place to upload these forms, so I called and spoke to a representative who advised me to upload the form using the " cancelled check '' option. After a month, I didn't hear anything, so I called Edfinancial and was told that they " faxed '' it. Yes, its XXXX and they would have me believe that they faxed it instead of emailing it. Sure. So I checked with my employer XXXX XXXX XXXX who confirmed they did not receive it by fax or otherwise. I called Edfinancial again and asked that they email it to my employer and to me, so I would know when it was done. Another month passed, and I tried to contact Edfinancial to get the status and can not get through. I tried emailing, live chatting and calling. You literally can not get through. 

I think they are engaging in at least one obviously fraudulent and abusive practice. They have an option during long call wait times to have them call you back. Here 's what they are doing : After many hours, they call you and as soon as the call connects, THEY HANG UP. This happened to me twice. I think they are doing that to give auditors the impression that they are clearing calls.

Anyway, they are not responding to emails. The call wait times are 10 hours long. Their " live agent chat '' is " unavailable. '' I've complained to everyone I can think of. 

I'm XXXX XXXX XXXX and I don't owe a lot of money and my own inability to get through to Edfinancial is not going to wreck my credit or anything. But I can only imagine what this is like for a XXXX XXXX XXXX who owes real money and for whom getting through is very important. These servicers are all terrible and abusive, but EdFinancial is the worst I've dealt with.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found 30 days late payment on the dates XX/XX/2019. 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: Debt collection

I have two credit cards through commenity bank, one with XXXX and one with XXXX Victoria Secret. Both cards are being paid on time or nothing is owed. I started recently receiving up to 20+ calls a day coming from various numbers with a XXXX area code. Example of numbers is XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX etc etc. As soon as I see this number I block it and then almost immediately it calls again with a new XXXX number. I googled a few of these numbers and each time it shows up as complaints people are making for robo calls and it says this is coming from Commenity Bank. The super weird part of this is that my account is in good standing and Im a good customer that always pays on time. I dont understand why they would be harassing me. Just so that this stops I made an extra payment today for {$40.00}. Regardless they are relentless and they are putting my son and I in jeopardy because we are experiencing XXXX XXXX and they are also calling from unknown numbers. The problem is that so does law enforcement. The calls are getting so out of hand that I have silenced unknown numbers. This means when law enforcement is trying to contact me as a victim of ongoing XXXX XXXX  they cant get through because they also often use unknown numbers. I believe this robo calling is unlawful harassment and it needs to stop and is making my life as a victim of abuse and my childs even worse. This needs to stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX CREDIT BUREAU ' HAS REFUSE TO EXCEPT DOCUMENTATION FROM LOCAL LAW ENFORCEMENT AND FEDERAL TRADE COMMISSION TO HELP A IDENTITY THEFT VICTIM THAT HAS SUMMITED ALL ACCOUNTS THE PERSON HAS BEEN A VICTIM XXXX HAS NO COMPASSION FOR THE CONSUMERS THAT HAS BEEN VICTIMIZED BY CRIMINALS.
Product: Debt collection

I was told that the last payment on this account was made on XX/XX/. It has now been over 7 years and they are reporting on my credit. When asked what my XXXX date was they refused to answer the question. When i asked for a manager i was left on hold for 30 mins and then hung up on. This account is falsely on my credit report ad nor do i admit ownership of this account.
Product: Debt collection

XXXX I received a call from Procollect and requested validation and itemized statement to be mailed to me. I am not disputing that I don't owe anything but I wanted an Itemized statement. They advised that they would mail it to me. I never received. 

On XX/XX/XXXX I sent a certified letter in attempt to settle the debt with a settlement offer since I was not provided with a itemized statement and started to have financial hardship and wanted to avoid bankruptcy. I received the confirmation of receipt back but no one responded to my letter. 

On XX/XX/XXXX I called Procollect to discuss with company and the rep that answered the phone advised me to email the account manager XXXX XXXX at XXXX as no one in the company can access the file but XXXX XXXX then hung up in my face so I sent an email as advised. 

Then on XXXX called back because i had not got a response and was advised the same thing again so I emailed again. 

Today ( XX/XX/XXXX ) I called the company again and again advised that I will have to email XXXX XXXX and wait for a response. I explained that I have been trying to resolve this matter since the beginning of XX/XX/XXXX. The staff was very rude and advised that I have to wait for XXXX XXXX to respond and hung up in my face. 

I am trying to resolve the debt and not getting anywhere with this company. Please help.
Product: Debt collection

I contacted portfolio recovery associates llc to have them validate an unknown credit collection account ( XXXX XXXX XXXX XXXX ) that I saw on my credit report. Upon asking them to validate the debt and send a signed copy of the contract with my signature on it they instead sent me a bill and documents related to the collection account but no signed contract from the original creditor
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few accounts on my credit report that I've been having issues with, I've already tried disputing the information through the XXXX credit bureaus with no responses ; as well as the creditors directly, also with no responses! This is not following the law, they are required to respond to me and since the information is false and invalid anyways, I want it investigated thoroughly. The first time I disputed with the credit bureaus was on XXXX XXXX XXXX then I followed up on XX/XX/XXXX. At that point, I sent a XXXX dispute to the bureaus on XX/XX/XXXX but this also included a dispute to the creditors. No one has responded to me, no one has provided " proof '' of these late payments. 

With Shellpoint Mortgage, this is an alternate mortgage company. My mortgage company originated elsewhere and I was given a forbearance due to XXXX, but apparently when the mortgage sold to Shellpoint, they didn't follow suit and put it in forbearance and started reporting late payments. I caught it too late but they refuse to correct the issue and say it's not in the notes and they won't do anything. This is not valid and the late payments are not valid either! 

For the XXXX XXXX XXXX XXXX XXXX account, there are XXXX late payments reporting, neither were valid either! XXXX of them, they admitted to their system being down due to XXXX and the autopay wasn't processing as it should've been. I was told it would be corrected and removed but it never has been. The other late payment was during the time of everything shutting down and the payment I submitted didn't get processed on the creditors end in time, then reporting me late. This is not my fault that it was late, they received it on time. I even have since opened XXXX new accounts with this company ; I believe this shows my loyalty to them as a customer and I want to continue to do business with them, but I would like to be treated fairly as well and have this rectified. 

For XXXX XXXX XXXX XXXX, I do not recall being late on this, I have requested documented proof of this but they've never provided it. If I was truly late I will accept it, but the records I keep do not reflect this, so if there is documented proof I was, then I want the company to provide this to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove the following items as they are fraudulent & were opened without my consent or knowledge XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX you claim these items are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained to Equifax about the following inquiries several times. These are NOT authorized. Their investigation is general very quick with a response that they are a factual part of a record. However, I did not at any point authorize dozens of inquiries. I'm in active chapter XXXX bankruptcy and am not even allowed to apply for credit. Numerous complaints and calls to Equifax have gone unanswered and they have never at any time provided proof that I authorized the inquiries listed below. Per the Fair Credit Reporting Act I would like these removed ASAP as they are detrimentally affecting me and they are not authorized. 

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