23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I am writing to formally dispute the following accounts on my most recent credit report due to significant violations of the Fair Credit Reporting Act ( FCRA ), Consumer Financial Protection Bureau ( CFPB ), & the Federal Trade Commission ( FTC ). These violations pertain to inaccuracies, incomplete reporting, and failures to comply wither federal laws requiring accuracy & proper handling of disputes. All of these accounts below have been completely paid in full for several years now. The accounts in dispute follow : XXXX. BANK OF AMERICA Account ( XXXX ) After reviewing my credit report, I have identified several discrepancies & violations that render these accounts invalid for reporting. Below are the specific violations of the FCRA, CFPB, & FTC : XXXX. BANK OF AMERICA Account ( XXXX ) Documented Inconsistencies : XXXX. Payment History Discrepancies : o XXXX  : Reports multiple XXXX late payments o XXXX : XXXX " Paid or paying as agreed '' o XXXX : XXXX " Pays account as agreed '' XXXX. Consumer Statement : " PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE '' Applicable Laws & Violations : 1. Section 605 ( a ) of FCRA [ 15 U.S.C. 1681c ( a ) ] : " No consumer reporting agency may make any consumer report containing adverse information which antedates the report by more than seven years. '' Violation : Potentially reporting obsolete late payments 2. Section 611 ( a ) ( 5 ) ( A ) of FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] : " If the credit bureau can not verify the accuracy of the disputed information, it must delete the information on the credit report. '' Violation : The Credit Reporting Agencys failure of accurate reporting means the disputed items/accounts should have been removed.

3. Section 607 ( b ) of FCRA [ 15 U.S.C. 1681e ( b ) ] : " 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. '' Violation : Contradictory payment histories across bureaus 4. Section 623 ( a ) ( 2 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 2 ) ] : " A person who furnishes information to a consumer reporting agency shall promptly notify the agency of any determination that information provided is not complete or accurate, and provide corrections. '' Violation : Failed to maintain consistent reporting across bureaus 5. Section 623 ( a ) ( 1 ) ( A ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) ] : " 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. '' Violation : Reporting inconsistent payment histories despite negotiated payment arrangement 6. Section 623 ( a ) ( 3 ) of FCRA [ 15 U.S.C. 1681s-2 ( a ) ( 3 ) ] : " If disputed by consumer, furnisher must indicate account is disputed. '' Violation : No dispute indicator despite consumer statement 7. CFPB Regulation V, 12 CFR 1022.42 ( a ) : Furnishers must establish and implement reasonable policies regarding accuracy
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. 

Account Name : XXXX XXXX Account : Account Number : XXXX Account Name : XXXX XXXX XXXX Account : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

In XX/XX/2024 I received XXXX and began the process of getting my student loan forgiven. A few months later my loan was forgiven. The problem was I had a joint loan with my x XXXX. I tried to get it separated. 
I have been calling since this summer and get conflicting information. One time customer service says its been separated. Another time I was told do paperwork with the Department of Education to separate the loan. I don't know why I wasn't told about this earlier!? I recently did the paperwork in XX/XX/2024 and waiting to hear back. 

I have received bills with my address but my x XXXX  's name which to me was insult to injury. The bills are incorrect because it still has the forgiven part of my loan listed as a bill. 
I do not want my credit damaged because of their incompetence. It is a very stressful situation. 
I need help and I also contacted XXXX, XXXX and the Department of Education about these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

account information does not belong to me
Product: Money transfer, virtual currency, or money service

At this point we are at the end our rope dealing our banks and Zelle. I have tried speaking with someone several times at XXXX, Zelle and XXXX XXXX about a Zelle transaction that was never received and I am getting nowhere. So I hope this message gets to someone who can help me. We can not afford to lose any money. 
My mother XXXX XXXX sent me a Zelle transaction ( confirmation XXXX ) of {$75.00} on XX/XX/XXXX at XXXX from her XXXXXXXX XXXX account. She sent it my phone number of XXXX. My XXXX XXXX Zelle did not have my phone number associated with it. I updated it on XX/XX/XXXX within the XXXXXXXX XXXX. I was told to wait until the end of the day by a supervisor at XXXX. Low and behold no {$75.00} deposit was ever posted to my account. I then waited several BUSINESS DAYS and NO DEPOSIT. My mother called her bank and she was told the Zelle was processed and it was completed and they could not do anything. I called both XXXX and Zelle customer services and I was told to have my mother call her bank again and see if they can dispute it. She called her bank and disputed it and they again said they found no error on their end and there is nothing they can do. The customer service person at XXXX  did tell her that my phone number was associated with a XXXXXXXX XXXX XXXX Account which I never had a bank account with said bank. I have only had a XXXX  account and an account with XXXX XXXX XXXX XXXX XXXX have tried speaking with someone several times at XXXX, Zelle and XXXX XXXX about a Zelle transaction that was never received and I am getting nowhere. So I hope this message gets to someone who can help me. We can not afford to lose any money. 
My mother XXXX XXXX sent me a Zelle transaction ( confirmation XXXX ) of {$75.00} on XX/XX/XXXX at XXXX from her XXXXXXXX XXXX account. She sent it my phone number of XXXX. My XXXX XXXX Zelle did not have my phone number associated with it. I updated it on XX/XX/XXXX within the XXXXXXXX XXXX. I was told to wait until the end of the day by a supervisor at XXXX. Low and behold no {$75.00} deposit was ever posted to my account. I then waited several BUSINESS DAYS and NO DEPOSIT. My mother called her bank and she was told the Zelle was processed and it was completed and they could not do anything. I called both XXXX and Zelle customer services and I was told to have my mother call her bank again and see if they can dispute it. She called her bank and disputed it and they again said they found no error on their end and there is nothing they can do. The customer service person at XXXX did tell her that my phone number was associated with a XXXX XXXXXXXX XXXX  Account which I never had a bank account with said bank. I have only had a XXXX account and an account with XXXXXXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

I leased a XXXX XXXX through Toyota Financial Services. On or around XX/XX/XXXX, approximately one month before the lease ended, XXXX XXXX bought out the lease ( which included the XXXX and XXXX payments ) and I leased a new vehicle through XXXX XXXX. On or around XX/XX/XXXX, I received a statement from Toyota Financial claiming my payments were past due and I owed {$1300.00}. I called Toyota Financial on XX/XX/XXXX and was told the following : - Toyota received payment for the purchase of the vehicle ( including XXXX and XXXX payments ) on XX/XX/XXXX ; - Toyota was " behind '' on processing payments, and so my payment was being held and had not yet been processed ; - Toyota " usually '' processes the payments within 15 days ; - Toyota had already reported by loan as unpaid to the credit bureaus ; - Toyota would process the payment at some point and then I could contest the inaccurate credit reporting at that time. 

I notified the agent, XXXX, that I believed holding the payment and reporting my loan as unpaid to credit agencies AFTER the payment was received was in violation of consumer protection laws. I asked how the late fees that were inaccurately applied to my account would be resolved and the agent did not have an answer. I asked when my payment would be processed and the agent did not have an answer. 

The agent put me on hold for an extended period of time to transfer me to a supervisor but " no one was available. '' I was told I would receive a call from a supervisor within 72 hours. I never received a call. On XX/XX/XXXX, I received another statement from Toyota Financial claiming I still owe {$1300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX XXXX XXXXXXXX. 
OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX  OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX XXXX 
OPENED : XX/XX/XXXX XXXX. XXXX THEFOLLOWING INQUIRIES WERE ALSO FRAUDULENTLY OPENED IN MY NAME : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Debt collection

On XX/XX/year>, I was contacted by Sequoia Financial Services regarding a {$110.00} debt that they claim I owe. I do not owe this debt. 

In the previous complaint # XXXX, Sequoia Financial Services acknowledged this mistake. On XX/XX/year>, they agreed to terminate all communication with me. However, clearly they have violated the agreement by continuing to send me mail communication.
Product: Credit reporting or other personal consumer reports

I am writing to dispute a fraudulent inquiry on my credit report that was made online without my knowledge or consent. This is a serious matter, and I demand that this fraudulent inquiry be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

I AM WRITING TODAY IN REFERENCE TO SEVERAL FRAUDULENT ACCOUNTS, UNAUTHORIZED HARD
INQUIRES, AND INCORRECT PERSONAL INFORMATION THAT KEEP APPEARING ON MY CREDIT REPORT. THESE
THINGS DO NOT BELONG TO ME AND SHOULD NOT BE SHOWING UP AGAINST ME. I DEMAND THAT THEY BE
REMOVED IMMEDIATLEY. THIS IS THE SECOND TIME THAT I'VE WRITTEN YOU REQUESTING A 'PROOF OF
CONTRACT FROM THE CREDIT BUREAUS AND THE COMPANIES LISTED IN MY IDENTITY THEFT REPORT AFFIDAVE
MORE THAN 30 DAYS AGO I WROTE AND REQUESTED "PROOF" OF THE ORIGINAL CONTRACT WHICH
CONTAINS MY SIGNATURE IN REGARDS TO THESE FRAUDULENT ACCOUNTS TO THE CREDIT BUREAUS. THE
CREDIT BUREAUS NEVER PROVIDED ME WITH ANY PROOF THAT A CONTRACT EXIST, NOR DID THEY RESPOND
BACK TO ME.
I AM NOW ASKING YOU TO DEMAND TO THE CREDIT BUREAUS THAT THEY IMMEDIATELY REMOVE THESE
FRAUDULENT ACCOUNTS, AS THEY ARE HINDERING MY ABILITY TO OBTAIN CREDIT, AS WELL AS RUINING ME
FINACIALLY! - Fraudulent Accounts -
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report. 
2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/2022 Please remove this inaccurate information from my credit report.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed 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 XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax Legal Grounds ( Fair Credit Reporting Act , FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract. 
Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent 4 rounds of letters to the credit bureaus, but they are not doing what they should do. I have a inquiries I didn't authorized and errors on my credit report.
Product: Debt collection

I had a debt with a phone service which I paid thru XXXX. So I checked my credit report and it says that I still owe for that phone bill but now it 's says from diversified agency. How can I take off this XXXX debt from diversified?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and Experian are reporting accounts that were included in a bankruptcy, as " derogatory '', this is a direct violation of FCRA. I sent a dispute letter in XXXX and have not received any response m not even that an investigation has begun. Ive attached copies of all accounts reporting derogatory, including the letter sent. 
Here are the accounts that are inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was driving to XXXX in XXXX NC. I received a phone call while driving. I didn't recognize the phone number, but it look important. The phone # was XXXX XXXX. I answered it and the person identified themselves as Federal Agent XXXX XXXX, number XXXX. 



He said my Social Security was being used for laundering drug money and if I don't help the FBI, I will be arrested for working with the illegal drug organization. I told XXXX that I would help them. XXXX instructed me to take my money out of my Bank ( which is XXXX XXXX XXXX and buy Target Gift certificates. By doing this I would be safe guarding my money. I was instructed to go to the XXXX XXXX and buy 10 XXXX  gift Certificates, which was a 2 minutes from were I was. I told them that my bank was past the XXXX and I didn't have any cash on me. XXXX said to use my credit card, then get your bank money. I went into XXXX. CVS only allow me to buy 4 XXXX Gift  Certificates at {$500.00} each. I used my Credit Card, but my Credit Card Company refuse to accept the purchase. I then used my Bank Debt Card, but my Bank also refuse to accept the purchase. I had my wife 's Credit Card and used it. Her Credit Card Company accepted the purchase. Then the " FBI Agent '' then told me to go the XXXX XXXX supermarket. They only allowed me to buy one XXXX Gift card. Then the " FBI Agent '' then told me to go to Target and buy 10 XXXX  Gift Cards. When I drove to XXXX  and asked the employee at the door where the gift cards were. He told me it was a scam and hang up on the people. That's when I went back to XXXX XXXX and interestingly I did by a Target Gift card from them, but took the wrong gift card from the pile. I then called XXXX and told them to block the credit card purchase. They refused to do it. Then I called my wife to notify her Credit Card Company of the scam. Her Credit Card Company closed the credit card. I thought that was the end of it. Two weeks later my wife 's Credit Card Company said what happened wasn't consider fruad and re-charged my wife 's Credit Card for the {$2000.00}. I believe, number 1 - XXXX should not have allowed the sale, and number 2 - My wife 's Credit Card Company should not have allowed the purchase. In short, XXXX and my wife 's credit card company did not demonstrate any type of Consumer Protection that My Credit Card Company and my bank provided me. What can I do to have the {$2000.00} taken off my wife 's statement?
Product: Student loan

I was working with XXXX XXXX XXXX XXXX since XX/XX/XXXX. They promised me I would not have to pay anything towards my loans and within 240 months my loans would be forgiven via the Revised Pay as You Earn ( REPAYE ). for my student loan payments if I paid them {$790.00} up front and {$39.00} a month for their services. They took payments from me until XX/XX/XXXX totaling about {$1400.00}. My credit score plummeted by 48 points in regards to my student loan on XX/XX/XXXX. So I reached out to the company to not get any response or help with figuring out what was going on with my loan and credit score. I then received an email from XXXX saying that there was a lawsuit with the federal trade commission and XXXX XXXX XXXX XXXX for charging inappropriate fees. I immediately called my loan servicer to make sure everything was okay with my loan, and then ensured that XXXX could no longer take payments from me by calling my bank account. Since then I have received a couple of emails of them still trying to take these payments out of my account, but were unsuccessful because of my bank being notified not to allow them too. I have print outs of everything regarding this incident if needed.
Product: Credit reporting or other personal consumer reports

This letter is a formal follow-up to my previous correspondence regarding the fraudulent accounts that appeared on my credit report ( see attachment ) due to identity theft. Despite my earlier dispute on XX/XX/, and in clear violation of the fair credit reporting act ( FCRA ) you have failed to remove the inaccurate information from my credit report. This letter serves as an official reminder that I am a victim of identity theft, and I have NO responsibility for the fraudulent accounts ( referenced attachments ). Despite providing all necessary documentation, including an FTC identity theft Affidavit, your agency has chosen to ignore its legal obligations under the FCRA, which requires you to thoroughly investigate disputed claims and remove any inaccurate information from my credit report. As required under section 611 of the FCRA, you are mandated to immediately remove all inaccurate information related to the fraudulent accounts, send me written confirmation that fraudulent items have been removed and cease reporting these fraudulent items to any third- party entities including creditors and collection agencies.
Product: Credit reporting or other personal consumer reports

XX/XX/year> this was placed in my credit in the amount of {$1200.00} dont even know where this camed from
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

This account is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.