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

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XX/XX/XXXXDate of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XX/XX/XXXXDate of Inquiry XX/XX/XXXXXX/XX/XXXX Date of Inquiry XX/XX/XXXX, XX/XX/XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XX/XX/XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XX/XX/XXXXDate of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XX/XX/XXXXDate of Inquiry XX/XX/XXXX, XX/XX/XXXXDate of Inquiry XX/XX/XXXX, XX/XX/XXXXDate of Inquiry XX/XX/XXXX, XX/XX/XXXXDate of Inquiry XX/XX/XXXX, XX/XX/XXXXDate of Inquiry XX/XX/XXXX, XX/XX/XXXXDate of Inquiry XX/XX/XXXX, XX/XX/XXXXDate of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX,
Product: Credit reporting or other personal consumer reports

I sent a letter to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors.

This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Debt collection

Professional collection consultants came to my place of employment and are attempting to garnish my wages for a debt I die not owe not ever have owed. They are attempting to collect {$4100.00} that I do not owe to anyone. I have no judgements, public records or collections of any kind. Proffesional collection consultants need to issue my employer a letter stating that I do not not never have owed this debt and all attempts to collect alleged debt need to seize immediately. I have already contacted a lawyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company wrote a fraudulent statement that I closed this case. I demand a retraction and an actual reporting of any and all collective information including recordings and documents of their investigation.
Product: Mortgage

Regarding case  XXXX  The issue is NOT whether  XXXX   XXXX  understood the terms he was offered on a purchase of primary residence. The issue is our current residence WILL not sell before he closes on the home in DE. Therefore he will not be eligible for the terms quoted.  XXXX   XXXX  's verbal response that as long as he is making his payments it wo n't matter is not adequate- it 's mortgage fraud. It could ta ke 3-6+ m onths for home to sell and that is being optimistic!! Cashing in retirement savings to pay  XXXX  mortgages and or have adequate reserves on hand is not acceptable
Product: Credit reporting or other personal consumer reports

I have encountered an issue with TransUnion regarding their failure to remove inaccurate account information from my credit report, despite clear evidence provided that supports my dispute. XXXX and XXXX have already acknowledged the inaccuracies and have accordingly removed the disputed accounts from their reports. However, TransUnion has not taken similar corrective action, which I believe violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Specifically, under 15 U.S.C. 1681i ( a ), credit bureaus are required to conduct a reasonable investigation of disputed information within 30 days and remove or correct any inaccuracies. Despite submitting proof of the inaccuracies, TransUnion has failed to remove these disputed accounts, which raises concerns of non-compliance with this provision of the FCRA.

Moreover, the continued reporting of incorrect information by TransUnion contravenes 15 U.S.C. 1681e ( b ), which mandates credit reporting agencies to ensure maximum possible accuracy in their reports. This persistent inaccuracy in my credit report is causing me undue financial harm and could unjustly affect my credit score and borrowing capabilities.

The lack of action from TransUnion seems to constitute a willful neglect of their obligations under the FCRA, potentially subjecting them to legal liabilities as outlined in 15 U.S.C. 1681n ( willful noncompliance ) and 15 U.S.C. 1681o ( negligent noncompliance ). Given the evidence I have provided and the corrective actions taken by XXXX and XXXX, I expected TransUnion to comply with these legal standards and correct my credit report. 

I am seeking the intervention of the CFPB to ensure that TransUnion adheres to the FCRA 's requirements by conducting a proper investigation into my dispute and by removing the inaccuracies from my credit report immediately. The failure to correct this information not only violates federal law but also continues to unjustly impact my financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need these items removed from credit profile XXXX XXXX  .XXXX..XXXX XXXX.. these companies have violated my privacy rights.. under 15 U.S.C 1681 section 604 A section 2 a consumer reporting agency can not furnish a account with out my written instructions.
Product: Money transfer, virtual currency, or money service

Good morning, I am reaching out to express my concerns about how Zelle manages disputes, particularly in light of the recent CFPB lawsuit highlighting major flaws in the platform. Although I have used Zelle extensively and reported discrepancies, my claims have not been properly investigated. I was told that recovering lost funds is not possible and that tracking them can not be done. According to the CFPBs findings, Zelle has failed to protect its users and has enabled repeat offenders to take advantage of the system, leaving individuals like me vulnerable to scams.
Product: Money transfer, virtual currency, or money service

I paid my step daughters college tuition for last semester. She was paying me back a portion of the tuition in the amount of {$3000.00}. She transmitted the money to me via PayPal , Inc. GA XXXX # XXXX, XXXX # XXXX on XX/XX/XXXX. I received a notice from PayPal Inc on XX/XX/XXXX stating the transaction was on hold. They requested several documents to verify my identity including my driver 's license, bank statement, among other documents. I provided those documents to PayPal, Inc on XX/XX/XXXX. 

I then received an email stating the transaction was declined. I contacted PayPal via telephone and was told my transaction was flagged as fraud and the money would be held for six months. I asked why it was flagged, and was told they can't tell me and it was done in the back office. I called several more times. I finally got a supervisor and explained the situation. He said the money would be held for six months. He stated the reason for the hold was for possible complaints by the buyer or seller. I explained this isn't a sales transaction. I further asked if my step daughter and I signed a release stating there wasn't any dispute would they let the transaction go through or just refund it to my step daughter. She then could transmit the money via a check. I was told that wasn't a possibility. 

My step daughter also contacted them and was told the money would be held for six months and there was nothing they could do about it. It is clear they don't want to return the money. 

I have reviewed the company on line. There was a class action lawsuit for the same issue of them holding onto people 's money for no justification. The company hold s the money in a corporate account and earn interest off of this money according to the class action lawsuit. Paypal , IncXXXX paid out a tremendous amount on that class action lawsuit. 

I have no additional course of action at this point in time. I have also sent a letter to the CEO of PayPay, Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$3000.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX PA ) XXXX Balance : {$420.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX PA ) XXXX Balance : {$750.00} ; ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} ; XXXX XXXX XXXX XXXX Balance : {$420.00} ; ( Original Creditor XXXX XXXX XXXX ) XXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. 
Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. 
Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : Under 1681b, a consumer reporting agency may furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified. 
15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any.

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not readd or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date of last payment is incorrect And is not accurate between all 3 major credit bureaus. XXXX Account name : XXXX XXXX XXXX. 
Balance : {$25.00}
Product: Checking or savings account

This complaint is about TD BANK.   ON  XXXX / XXXX / 2017  was charged a maintenance fee {$25.00} even though the account balance was more than minimum. TD bank calculates balance based on pending transactions before they clear. Example : Min Balance requirement :  XXXX  Charge of  XXXX  pending deposit of  XXXX  pending While pending balance becomes  XXXX  for time being and then when posted, the ending balance becomes  XXXX  =  XXXX  They still charge maintenance fees of {$25.00} since the account went below the min req. in pending status. This type of calculation should not be allowed. They should be charging fees after the transactions are settled.   XXXX  We contact TD bank and they said this is their standard business policy. Maintenance fees should be only charged when the balance actually goes below the min req.
Product: Debt collection

I have been sued and had a levy put on my bank account twice now by Velocity Investment without any notification of lawsuit or buying of debt. Requested multiple times to be provided proof of debt, proof of original creditor, etc and have received nothing. Through research, I can only determine they may be attempting to collect on an old auto debt that is already past statute of limitations and on a vehicle that was returned to them years ago. I have disputed this amount with credit agencies and have received no notification from Velocity Investment at all in any form. Only informed of their existence due to their name being on the levy provided by my bank. Clear violation of multiple consumer protections and invalid lawsuit resulting in the theft of funds.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX {$640.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX {$250.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$9300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$350.00} XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXXXXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX Balance : {$10.00} ; XXXX XX/XX/2022.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding multiple unauthorized inquiries on my credit report, all dated XX/XX/year> : XXXX XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( two inquiries ) XXXX XXXX XXXX  Despite numerous attempts to contact these companies for clarification and resolution, I have received no response. These inquiries were made without my knowledge or consent and have adversely affected my credit score.

Under the Fair Credit Reporting Act ( FCRA ), these companies are legally obligated to remove any inaccurate information from my report. Failure to comply can result in legal actions and penalties. 

I kindly request an investigation into these fraudulent inquiries and their immediate removal from my credit report. 

Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is currently being reported on my credit report. XXXX is incorrectly reporting the following details about my alleged account with : Current Closed balance : {$820.00} Original balance : {$6500.00} Last payment : {$0.00} Account status : Voluntarily surrendered, XX/XX/XXXX Settlement offer does not match credit report balance due. 
These details are inaccurate and misleading for the following reasons and must be DELETED IMMEDIATELY. The account shows as " voluntarily surrendered '' in XX/XX/XXXX, which misrepresents the situation. The total purchase amount changed to {$6500.00}, which is why I wanted the merchandise return. Again, this furniture, was surrendered in XX/XX/XXXX, NOT XX/XX/XXXX. The creditor is offering a settlement amount of {$1300.00} and if I pay this, I would have full ownership of the merchandise. If I voluntarily surrendered the merchandise in XXXX of XXXX, how can I have full ownership. I have been harassed by the creditor for 3 years by emails and text messages requesting a payment. Obviously, someone dropped the ball at their end. I was authorized to surrender these items by XXXX XXXX, from the resolutions dept. None of these amounts reflect what the credit agency is reporting on my Experian credit report. Obviously, someone at your end has dropped the ball. This is clearly a violation of the Fair Credit Reporting Act ( FCRA ), section 611. Correct this error by deleting this account. I was approved for {$2.00} and not {$6500.00}, which is why I stopped payment on all attempted transactions. ( See attached docs. ). I complained about this various times. My name not XXXX XXXX XXXX. It is XXXX XXXX. See attached doc.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXXXXXX XXXX XXXX XXXXXXXX, has violated my rights. 

I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Checking or savings account

That Wells Fargo account I had does not recall in my memory. I had it open for XXXX years. I want it dismissed and off of my FCRA report. I never used it really. I can't remember using it all if I'm being honest. Waste of space on my report.
Product: Debt collection

This is an attempt to collect a debt that I don't owe. I was only XXXX and did not apply for this credit. Please have this account removed from my credit report. 

Thank you.