23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had not thought of asking CFPB for help. However, I received the following email from a XXXX Banking agency : Dear XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is the regulating authority for state-chartered institutions in the XXXX of XXXX. TD Bank is not a state-chartered institution, but rather a federally chartered institution, as a result, TD Bank falls outside the Division 's regulating authority. TD Bank is regulated on the federal level by the Consumer Financial Protection Bureau ( " CFPB '' ). The CFPB may be reached at XXXX or at the address listed below : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX www.consumerfinance.gov ( F ) ( XXXX ) XXXX The Division appreciates your correspondence and hopes that this matter can be resolved with the appropriate regulating authority. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following is the email I had sent to them : Have Checking Account with TD Bank. Ordered checks from their required source XXXX XXXX on XX/XX/XXXX and received email confirmation from XXXX. 
Unfortunately, they do not accept replies. Was unable to login to my TD Bank account. Could not even change my password. Wrote a letter to the Manager of the TD Bank on XXXX XXXX in XXXX, on XX/XX/XXXX ( attached ), where I had established the account. No response other than ignoring my letter. 

XX/XX/XXXX ( attached ) wrote a letter to TD Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX XXXX, XXXX  XXXX, with Ccs to XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX. I did not expect a response from your office because I specified that I was not asking for help. I incorrectly presumed that one of the companies would help. Both TD and XXXX XXXX have ignored my correspondence. 

I have not attempted to call because I have profound hearing loss. 
Please help! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Firstly, I would like to state that this complaint does not serve as a letter to request reinvestigation of my disputes. I have given each company listed in this complaint well over the 30-day limit mandated by the Fair Credit Reporting Act. This complaint serves as a demand letter to DELETE all items listed for willful noncompliance. 

I am deeply concerned about the blatant disregard for my consumer rights in the handling of my dispute letters submitted to the three major credit bureaus, beginning on XX/XX/2023. It is disheartening to note that all three credit bureaus have not only ignored my letters but also violated the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ), by failing to respond within the mandated 30-day period.

Under the FCRA, consumers have the right to dispute inaccurate information on their credit reports. The credit bureaus are legally obligated, as per Section 611 ( a ) ( 1 ) ( A ), to investigate these disputes within 30 days and provide a response. I have previously sent failure-to-response letters after 35 days went by with no response, and even those letters have been ignored, proving willful noncompliance.

By neglecting to adhere to this timeframe, the credit bureaus are in direct violation of Section 611 ( a ) ( 1 ) ( A ) of the FCRA, undermining my rights as a consumer. I want to emphasize the gravity of this situation, as it not only impacts my financial standing but also erodes my confidence in the integrity of the credit reporting system.

The inaccurate information on my credit report has far-reaching consequences, affecting my ability to secure loans, obtain favorable interest rates, and even impact my employment opportunities. I urge you to take immediate action to rectify this situation by deleting all items I have previously disputed, as each company is far out of their 30-day window and is now further into violations.

I demand that the credit bureaus promptly DELETE all items listed and provide me with a written confirmation of the corrections made. I am well aware of my rights under the FCRA, and I am prepared to take further legal action if necessary to ensure my rights are upheld.

I expect a timely response and resolution to this matter, as it is not only my right as a consumer but also a matter of upholding the laws designed to protect consumers like myself. Your cooperation in this regard is essential, and I anticipate your swift action to rectify these violations and provide the accurate credit reporting I am entitled to under the law.
Product: Debt collection

I requested detail information of the contract for the lease agreement with XXXX XXXX XXXX XXXX. Was contact by PROCOLLECT INC. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, requesting a debt collection of {$660.00}. My Account # XXXX and Customer # XXXX with procollect. I did not agree to this lease agreement nor did they have any part of it. I believe my ex-wife committed identity theft to obtain this lease. I have also filed a FTC ID XXXX REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXXXXXX XXXX XXXX my XXXX and XXXX business account ending in XXXX was compromised as a result of fraud. I disputed the account immediately when I became aware of the activity. XXXX and XXXX did reverse the transactions and provided a resolution to my account to where I had a {$0.00} balance. But as a result of the fraud the credit bureau agencies are reporting late payments for the months of XXXX and XXXXXXXX XXXX XXXX. I have submitted all credit card statements confirming that these transactions were all reversed as a result of fraud and I should not be responsible for late payments. I request my credit reports with the credit bureaus be adjusted to accurately reflect such.
Product: Student loan

Navient is charging customers an extra 10 days of interest on loans being paid ELECTRONICALLY over the phone. The only time Navient states to collect extra interest fees is if payment is MAILED.  After payments are processed and updated retroactively to DATE paid over the phone, Navient is NOT returning the entire 10 days of extra interest paid on SEVERAL loans. It is fraud, deception, and corruption! 

Also, once a loan is paid in full, a customer is UNABLE to retrieve any history of the loans online. The customer service reps will repeat the same over the phone. I want a COMPLETE history of ALL of my loans with Navient and all information transferred over from Sallie Mae. I was not granted the request of all history from origination dates. Navient is corrupt and makes things very muddy and customers are NOT afforded honest transparency. 

Thank You, XXXX XXXX
Product: Credit card or prepaid card

CAPITAL ONE CREDIT CARD I am writing this to request to Capital One for a refund of the following late charges ; Date Amount XX/XX/XXXX {$39.00} XX/XX/XXXX {$39.00} XX/XX/XXXX {$39.00} The reasons for this request are ; 1. I did not receive any statements from you since XX/XX/XXXX 2. The government had informed you that my card was compromised 3. But you did not inform me. 
4. You locked my online card account. 
5. I can not access the card account online because I am still locked out 6. Someone had taken over my account and changed the address so the statements, I believe were sent to that address. 
7. You were delinquent in your duty in not sending me the statements and above all for not informing me of the fact that my account was compromised and that you had locked my account. 

Actions taken by me 1. In XX/XX/XXXX. I was made aware of past due payments by an e-mail and I immediately called Capital one and paid {$150.00} over the phone. 
2. When I spoke to the person over the phone, I told them that I did not receive any statements and to please send them. She promised to do it but never did, and neither did she inform me that my account was compromised or had been in locket down. 
3. I wanted the statements to make sure that all the charges were accurate. 
4. If I had known about the fraudulent situation, I could have initiated action to get a new card. 
5. On XX/XX/XXXX, I called Capital one and asked them again to send me the statements. They promised to do it but never sent it to me. Again, I assume it was sent to that fraudulent address. Even at that time you did not inform me of the fraudulent situation. 
6. On XX/XX/XXXX I got an e-mail advising me of the past due amounts. I immediately called and paid it the past due sum over the phone. It was only on this occasion I was told that the account was under lock because of a fraudulent situation. 
7. I then got the address changed back to the correct address. I then requested statements which I received on XX/XX/XXXX 8. On XX/XX/XXXX, I I spoke to XXXX ID XXXX and requested a refund. He said it is my responsibility. 
9. I am still locked out online Considering the above, I am requesting that you refund all past dues fees as shown above, because you were negligent in ; a. Not sending my statements b. Not informing of the fraudulent status of my account c. To continuing to lock me out of online.
Product: Credit reporting

I am no longer responsible for any collecting account and I have completed all terms of my bankruptcy. I should have no negative factors on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a CFPB complaint to receive the data that was shared to XXXX XXXX XXXX XXXX XXXX. SafeRent Solutions LLC is a reseller consumer reporting agency that provides tenant screening reports to its clients who are typically property management companies, landlords, and apartment complexes in the multi-family housing industry to support their evaluation of housing eligibility of an applicant. I'm concerned about my privacy as I do not recall signing anything to give SafeRent Solutions LLC my consent to to share my personal information. If I am mistaken, please send documentation with my acknowledgement and signature of agreeing to this. If I never consented to this, who authorized these transactions? I do not have any POA or authorized rep on the record who I've authorized to speak on my behalf.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. I also attached evidence This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Credit card or prepaid card

I recently filed a fraud dispute with tjx reward card in XX/XX/XXXX. I was a new member and someone got a hold of my credit card and basically maxed it out. My limit at the time was XXXX, I had never used the card ever my credit was negatively affected by a closed account and high utilization and that was the only negative thing on my credit report. Today tjx finally  resolved the dispute reversed all the fraudulent charges but unfairly decreased my limit from XXXX to XXXX as punishment for something I didnt do and now this will affect my ortherwise perfect credit. To add injury to insult the dispute wasnt even properly resolved, some charges were not reversed and I now have a late payment from during the period the dispute was going on which will also affect my credit and I never even used the card one time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written several letters to Experian, XXXX, & XXXX about an account on my credit report " XXXX XXXX ''. Each time the dispute results says the account is verified. I have written letters and contacted XXXX XXXX several times and either I got no response or they could not find any information with my name on it. I finally got a letter from them after many months of disputing this account stating that the account reporting could not be located. How are you conducting your investigations? Are you really doing a true investigation? Where are you getting your information? If the company could never provide me with information and now I finally got a letter that says " account could not be located '' are you really doing an investigation on my account. Now I have questions about other accounts that I have disputed and wondering if you are accurately doing an investigation.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of an unverifiable account from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, this pertains to the account identified as a {$720.00} charge-off with XXXX XXXXXXXX XXXX XXXX 
After disputing this account with XXXX their investigation was completed on XX/XX/2024. Following the investigation, XXXX deleted this account from my credit report, as the information could not be verified. If XXXX has removed the account due to its unverifiability, I urge you to take similar action and remove this account from my credit report promptly. 
Under the FCRA, all credit reporting agencies are required to ensure that the information on consumer reports is accurate, complete, and verifiable. Specifically : Section 611 ( a ) ( 1 ) ( A ) of the FCRA mandates that credit reporting agencies conduct a reasonable investigation of disputed information.

If the disputed information can not be verified as accurate, Section 611 ( a ) ( 5 ) ( A ) requires the credit reporting agency to delete it from the consumers credit file. 
Furthermore, under Section 623 ( a ) ( 1 ) ( A ), furnishers of information must not provide information that they know or have reasonable cause to believe is inaccurate. 
Since XXXX has deemed this account unverifiable and deleted it, I expect the same resolution from your agency. If this unverifiable debt is not removed within 30 days from the receipt of this letter, I reserve the right to pursue further legal action under the FCRA. 
Failure to comply with FCRA requirements may subject your organization to statutory damages, actual damages, court costs, and reasonable attorney fees under Section 616 and Section 617 of the FCRA. Additionally, if willful noncompliance is found, I may be entitled to punitive damages. 
To ensure a clear record of this request, I have attached the relevant documentation, including confirmation from XXXX regarding the deletion of the account. 
Please confirm in writing that this account has been deleted from my credit report or provide a detailed explanation of your investigation findings. I expect a response within the time frame outlined by the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : 1. Copy of confirmation from XXXX regarding account deletion 2. Copy of my credit report showing the disputed account ( if applicable ) 3. Any additional supporting documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

Since my identity was stolen in XX/XX/XXXX, I have checked my credit often to stay on top of fraudulent activity. I kept noticing that I have repeated negative reporting from the same company ( XXXX XXXX ). Due to their illegal collection practices they removed one of the accounts from my credit report and ceased collecting on that account - but the other one, they are keeping there but have made no attempt to collect ( since I welcome the opportunity to dispute this in court ). They are doing this out of spit - since they were unable to collect on the other debt they bought. The last few disputes I have had -XXXX , has only accepted the minimal agreement from this predatory collection company that the debt is valid and refused to investigate further. Stating that that's all they have to do - ask the collection company and if they say the debt is valid, that's what they accept - regardless of the information I provided to the contrary. The account is listed by the original creditor as a charge off and as a collection with this company - causing two derogatory ( negative ) hits on my credit report. The last time I disputed this with XXXX  was XX/XX/XXXX. I am doing it again because I am trying to clean up my credit to buy a home and this has to be resolved. A collection company should not have the ability to remain on your credit for 7 years without attempting to collect on the debt - the statute of limitations for collection on a debt in my State is 3 years. If they are not going to collect on this debt then it should not be on my credit to sit for an additional 4 years, along with the original creditor.
Product: Credit reporting or other personal consumer reports

I 'am a victim of XXXX XXXX, an unfortunate ordeal that has profoundly impacted my life in a dramatic manner. 

As a result of this harrowing experience, I have suffered severe injuries and continue to endure immense pain. It is crucial for my well-being and future prospects that the information pertaining to this traumatic event be blocked from my credit report immediately. I fear that the presence of such sensitive details on my credit history could have far-reaching repercussions and hinder my ability to move forward.

I implore you to take swift action in addressing this matter and ensure that the necessary steps are taken to safeguard my privacy and protect me from any potential harm that may arise from the unauthorized disclosure of this information. Your cooperation and prompt attention to this request are deeply appreciated.

I kindly request that you provide me with confirmation once the information has been successfully blocked from my credit report. Please be assured that I am committed to providing any additional documentation or information that may be required to facilitate this process.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX XXXX XXXX XXXX GAXXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX Balance : $ XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$62000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$890.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$350.00} 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
Product: Credit reporting or other personal consumer reports

I have repeatedly called XXXX XXXX XXXX regarding an account that I paid off. I purchased a mattress and it was paid immediately, so I can't understand why this is even on my credit report. Its showing a balance of XXXX. Shows XXXX  XXXX XXXX accepted less than the amount, these are lies! I never financed anything with XXXX XXXX XXXX. 
THE XXXX : XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX 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 Sections 604 Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 U.S.C. 166b A creditor may not treat a payment on a credit card account an open end consumer credit plan as late for any reason. 

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

I was arrested on XX/XX/2021 however the accusation was false and after an investigation was completed by a Detective I was released immediately and no charges were filed. Now it is on my background report.
Product: Debt collection

Opened XXXX XXXX, 2018 PORTFOLIO RECOVERY Account status Open {$1200.00} that i owe. 

I have never signed any written document saying that I owe this debt to the collector. 
they are violating my right of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end. 
also, they have not verified that i owe this debt to this alleged company. 
please have this removed from all three credit bureaus. 

XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX received 4 emails from PayPal indicating my PayPal transaction for crypto on my PayPal accounted needs approved. I dont have a PayPal account and dont deal in crypto. I send the emails to PayPal. This is dangerously fraud.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts and inquiries I do not recognize are continued here. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX Original creditor : XXXX XXXX. XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX  XXXX Inquired XXXX XX/XX/XXXX XXXX