23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Re : SPRING OAKS CAPITAL LLC XXXX To Whom It May Concern : I am in receipt of your response dated XX/XX/year>, regarding the above-referenced account. While I appreciate the documentation provided, it remains insufficient to validate the debt as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. 

Specifically, the bill of sale and assignment documents do not establish a contractual obligation between myself and XXXX XXXX XXXX. I reiterate my demand for evidence of a binding contract, such as the original loan agreement or credit application, as required under 15 U.S.C. 1692g ( a ) ( 1 ). 

As you have failed to provide adequate validation within 30 days of my initial request, I demand that you immediately cease all reporting of this account to credit reporting agencies and remove any negative marks associated with it, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

Failure to comply with this demand will be considered a continued violation of the FDCPA and other applicable laws. I will not hesitate to pursue all available legal remedies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquiry, this is result of identity theft XXXX XXXX XXXX XXXX XXXX XXXX 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 have recently reviewed a copy of my credit report. I am concerned because there was 8 inquiries by TransUnion that i do NOT recall authorizing.XXXX- Inquiry from XX/XX/XXXXXXXX Card- Inquiry from XX/XX/XXXXXXXX- Inquiry from XX/XX/XXXXXXXX- Inquiry from XX/XX/XXXXXXXX XXXX- Inquiry from XX/XX/XXXXXXXX- Inquiry from XX/XX/XXXXXXXX/XXXX- Inquiry from XX/XX/XXXXXXXX XXXX- Inquiry from XX/XX/XXXXIt is my understanding that you can only make an inquiry to see my credit report if i authorize it. I would like for you to remove this unauthorized inquiries for it is negatively affecting my credit score. Please send me conformation that this has been done.
Product: Checking or savings account

Subject : Formal Complaint Against TD Bank for Harming Small Businesses To Whom It May Concern, I am filing this complaint to urge the Consumer Financial Protection Bureau to investigate TD Banks harmful practices, which are putting small businesses at risk. My account, in good standing for over 14 years, was frozen without notice after a routine payment was falsely flagged as " fraudulent. '' Despite resolving the issue with my local branch, my account was frozen again, disrupting payroll, vendor payments, and daily operations. Resolving this issue ultimately required escalation to the CEO 's office and wasted over 15 hours of my time.

TD Banks arbitrary actions and lack of transparency have caused significant financial hardship to my small business. Such practices not only violate the trust of their customers but may also breach regulatory standards. It is critical to hold TD Bank accountable and ensure they operate within regulations to prevent further harm to small businesses.

I respectfully request that the CFPB take swift action to investigate TD Banks conduct and impose measures to protect small businesses from such damaging practices.

Please see my original email to TD Bank CEO 's office : Dear XXXX XXXX, Re : Account # XXXX I am writing to report a deeply concerning incident with your bank. My bank account was frozen without any prior notice, causing significant disruptions. Below is a detailed timeline of events : XX/XX/2024 : I made an online payment to XXXX for {$9100.00}, as I have done annually for the past 14 years. However, after this transaction, my account was locked for " fraudulent activities. '' Despite this being a routine payment, the bank deemed it necessary to " protect '' me this year. I visited my local branch, where the manager assisted in restoring access to my account on XX/XX/XXXX. 
XX/XX/2024 : I encountered error messages while attempting online payments. 
XX/XX/2024 : I received a phone call from TD Bank stating that there was fraudulent activity on my account. However, no details were provided, and I was advised to contact my local bank manager. 
XX/XX/2024 : My local bank manager informed me that my account was frozen again due to suspected fraudulent activity and provided an XXXX number to call. 
XX/XX/2024 : Upon calling TD Bank, I was informed that the payment to XXXX on XX/XX/XXXX was still considered fraudulent. My account has now been permanently frozen.

This situation is highly disruptive. I run a small business, and my account receives automatic payments from insurance companies. Freezing my account jeopardizes these payments, hindering my ability to pay employees and cover essential expenses.

I respectfully request that you urgently reactivate my account to avoid further impact on my practice and my patients.

Thank you for your prompt attention to this matter.
Product: Mortgage

For XXXX payment, mortgage company pulled from wrong account, tried to call and resolve, was told to send certified check. Sent certified check via XXXX with insurance and signature, mailroom of Amerihome received on XX/XX/XXXX. XXXX still has not cleared as of XX/XX/2023, with letters of late payment, reporting late payment on mine and my husband 's credit report. Called multiple times to resolve and payment still has not been cleared, transferred to multiple supervisors, given false email address to send in proof of payment. Given different ways to " resolve '' the issue, unable to make online payment for XXXX despite supervisor telling me I can make the payment after XX/XX/XXXX online due to their mistake for XXXX payment and having to pay {$130.00} extra for overnight and insurance fees for certified check. We have never missed a payment and a new mortgage company is taking over our loan, we need this resolved and clear our credit of late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX Account is showing inaccurate on the amount due on 2 bureaus, XXXX reflects a balance of {$200000.00}. XXXX reflects a different balance of {$200000.00}. Equifax reflects a balance of {$200000.00}. 
This account also shows that a foreclosure was initiated in XX/XX/2021, that is also inaccurate. The balance was paid in full on XX/XX/2021 so it should not be reporting a foreclosure being initiated in XXXX. This account also shows late payments that are different on all bureaus. This XXXX account also shows different payment amounts as well on all bureaus.The inaccuracies from the XXXX account effects my credit report, score and XXXX ratio. I have attached documents for review
Product: Credit reporting or other personal consumer reports

The mistakes on my report are more than an annoyancetheyre actively hurting my score and my ability to pursue new opportunities. Its draining to keep finding errors that shouldnt exist, knowing theyre negatively affecting my life. This has gone on long enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; 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 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 XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act consumer XXXX XXXX  account # XXXX, XXXX XXXX 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 consumer reporting agency can not furnish a account without my written instructions. 


These accounts are reporting inaccurately and are impacting my livelihood. I have filed disputes to have these account removed. Please remove these accounts from my credit report
Product: Credit reporting or other personal consumer reports

I do not consent to electronic communications. I request all responses be in writing through the USPS. As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This has been my several attempts to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on the accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the accounts are mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 


XXXX  XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$1300.00}, XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX  XXXX XXXX Opened XX/XX/XXXX Balance {$640.00}, XXXX XXX Date Opened XX/XX/XXXX Balance {$100.00}, XXXX/XXXX  XXXX Inquiry Date XX/XX/XXXX, XXXX/XXXX  XXXX  Inquiry Date XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX continues to report INACCURATE payment history! The response in the previous case # XXXX states my XX/XX/year> payment was received on XX/XX/XXXX per their records. Per my BANK STATEMENT, my XX/XX/year> payment was received on XX/XX/XXXX!!!!!!! The payment received on XX/XX/XXXX was for the month of XXXX! This is NON SENSE that I have to continue to go through this. I have shown payments made and you all come up with a very long dissertation about why my account status is what it is. I continue to provide you with BANK STATEMENTS and yet my credit bureau has NOT been corrected to reflect my bank statements. I have NOT paid more than 30 days past due. I never had a problem until XXXX took over my account. Since Shellpoint states they can't not find my payment history, I have once again attached MY BANK STATEMENTS!!!!!!!!! 

REMOVE THE 30 day late on my XXXX! It's not correct! I do not understand why I have been trying for months to get this corrected.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reinvestigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to validate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXXXXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$3900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

several hard credit checks within a short period of time without my authorization. XXXX XXXX and car financing institutions
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

List of Unauthorized Inquiries : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

CFBP, I have never received any debt notice from this collection agency. I have paid XXXX directly in full and never authorized XXXX to share my information to any third party. The only reason I became aware of this collection being reported to the credit bureaus is because I had started monitoring my credit report. I have never received any notification of debt from Stellar Recovery. This is causing a financial hardship and needs to be deleted from all of my credit reports promptly. I will not consider this complaint closed until it is removed and I receive notification of this action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submittin this Follow up Complaint to the most recent CFPB complaint I submitted requesting the removal of the fraudulent accounts and information off of my Credit File. I was a victim of identity theft as my personal information was used to open these accounts wihout my knowledge nor permission. I have made a lot of research and found that under the Federal Law, Fair Credit Reporting Act section 605b, the Credit Reporting Agencies, you, are required to remove any accounts and information that resulted due to identity theft. I have heard a lot of news nowadays that identity theft has become rampant causing many consumers to have unknown accounts and information under their name without such knowledge. I am requesting you to remove the fraudulent accounts and information being reported on my Credit File that have greatly impacted my Credit Score. Here is the list of the fraudulent accounts anf information that should be removed off of my Credit Report : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX 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 XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$260.00} XXXX XXXXXXXX Balance Owed : {$570.00} XXXX XXXXXXXX Balance Owed : {$500.00} XXXX XXXX XXXXXXXX Balance Owed : {$550.00} XXXX XXXX XXXXXXXX Balance Owed : {$410.00} XXXXXXXX XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} 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 Please remove the disputed accounts and information off of my Credit File as soon as possible. In the event you conclude that the disputed accounts and information belong under my name, please send me any documents proving such claims. In the event that you find no signed agreement, immediate deletion of the disputed accounts and information will be greatly appreciated.
Product: Money transfer, virtual currency, or money service

This is the 2nd time I have tried to link my checking account at PNC using XXXX to pay my personal loan at XXXX XXXX and they have blocked it. I don't see the issues as to why this keeps happening when I am simply trying to pay my loan payment. Can someone please help?
Product: Money transfer, virtual currency, or money service

In received money on XXXX  and they will not allow me to withdraw the funds. I could not add a bank account to withdraw the funds. Then my account was locked. I was told to upload identity verification documents and I would hear a response within 7 business days. An entire week has gone by after uploading all of the required documents with no response. I need to access this money for gas and food for the rest of the month.
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some inaccurate accounts reporting. See attached.
Product: Money transfer, virtual currency, or money service

Money was took out my account and people were calling telling me my money was missing I never transferred money woth Zelle
Product: Credit card

I would like to make a complaint about an issue Im experiencing with this credit card company, Ive been with Apple credit card for almost 3 years with no direct issue or any purchase problems. However someone recently gain access to my personal beginnings along with my Apple credit card and made several pieces which I properly report to Apple credit card. They immediately shut down the card and issued me a temporary credit while the unauthorized investigation is ongoing. Now as of today XX/XX/year> I have not received any documents or correspondence from the credit card company, not even a mail with updates about the unauthorized transaction. Yet today Im checking my account and noticed a reversal of the temporary credit and a emailing saying the transactions will remain on the merchant website. I have not done any such business with the merchant and my card was used frequently and Apple Card claims that i am covered by the zero fraud policy. Yet they refuse to properly investigate these transactions and provide valid information! Im kindly asking the CFPB to step in and help me address this issue. Thanks
Product: Credit reporting or other personal consumer reports

For 18 years now all three credit bureaus XXXX, Equifax, XXXX credit bureaus, have continued to deny me my rights to receive my credit report. At least three times a year I've requested it for 18 years XXXX gave it to me in XXXX but the minute I started disputing stuff they locked me out of it again. XXXX just sent me one this year only because of the complaints here and now they're blocking my ability to dispute stuff on my reports. Equifax has still yet to respond to me. I've sent all three credit bureaus copies of my ID and Social Security card notarized signed affidavit of Said copy of my ID and Social Security card. Yet they continue to deny me the rights that they are required by law to give me. Not only are they harming the very natures of my personal livelihood. They are also harming the very natures of my business XXXX XXXX XXXX XXXX Because without a proper and accurate credit report with a good credit score I can't get business funding. They know very well that is truthful, and know exactly what they're doing. As they continue this onslaught of disrespect and blatant violation of the laws CFPB I got to ask you at what point do you send all these complaints to the proper authorities. They are in violation of many laws at this point including my right to accuracy 15 USC 1681. But they just keep laughing like my life is just a joke. OKAY FINE ... I guess it's time to let a JURY decide. I mean really, someone is going to come to the CFPB And complained that they're not getting someone else 's credit report. Everyone else can get it, but I'm not allowed to have access. I sat down with a car salesman and he pulled my credit report right up no problem but me I'm not allowed to see it you continue to refuse me the actual owner of said credit reports, OKAY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hope this email finds you well. I am writing in regard to issues I have with my account, and I am in search of transparency, assistance and resolution. My student loan was deferred from XX/XX/XXXX to XX/XX/XXXX ( my loan was actually deferred for various periods but this is the time period I have an issue with ). However when reviewing my credit file I noticed that my student loan payments were marked late every month from XX/XX/XXXX to XX/XX/XXXX ( for a total of 11 late payments that appear on all of my credit reports - all three bureaus ). Aside from allowing students to defer a student loan payment for a specific period, a deferment should also protect borrowers ' credit rating while they are facing financial hardship or are in school. 

I have contacted XXXX several times regarding this matter and I keep getting the runaround. I was told by one of your reps to file a dispute with the credit bureaus, and when I filed the dispute, XXXX told the credit bureaus that the late payments were correct, even though my loans were in deferment - this is where the questionable business practices begin. I then contacted the office and asked for a letter that outlined my deferments, and received a letter that did not include all of my deferments - they ironically left off the years I was inquiring about. Then, I contacted the office and asked for a manager and was referred to XXXX XXXX who sent proprietary internal information ( screenshots from your database ) so that I could decipher my deferments on my own using a reference key that she provided ( see below email thread ). 

I am not sure what your best practices are but this is extremely frustrating to borrowers. It seems as if borrowers are penalized for deferring payments - this entire experience has discouraged me from taking advantage of something that is supposed to assist me in hardship because of the negative impact it is having on my credit worthiness. In many ways, these practices seem to be in violation of the Truth in Lending Act. During this pandemic, the last thing consumers need is to be penalized because they are facing hardship.