23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Hello I did some exterior painting work for a supposedly investor turns out he was a scammer and got scammed XXXX $ of my own money through zelle. Deposited a check and did a transfer and the whole check was refunded and lost the XXXX $ as well didnt think anything of it was all from some work I did. Deposited the check last tuesday XX/XX/2022 and today XX/XX/2022 the money was taken out of my checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good day, I reached out to you guys about the lack of respect that Experian has shown me and for the Law, XXXX XXXX ' I disputed a couple of Alleged Debt Collections that were Charged off/Canceled that are still inaccurately reporting on my consumer report, I just got updated that they were verified and I wasn't asking for Verifaction I was demanding for the inaccurate reporting of the Alleged Debts to be deleted because according to XXXX XXXX 15 U.S. 1681 ( e ) income is not included in a consumer report so if income is not part of a consumer report and a charge-off/closed account has been reported it is fraudulent and deemed illegal because they are choosing to post it on my credit profile, they did not follow policy and inform/contact me with a 1099A form which is a violation and did not send me a 1099c form for the gross income that they have written off. IRC section 6500P states Canceled debt of {$600.00} or more is required to file form 1099-C with IRS and issue a copy to the borrower.

15 USC 1681s-2 Responsibilities of furnishers...

15 USC 1681b2 they had no permissible purpose by law to contact any third-party reporting agency with private or personal information without lawful authority. I did not give them written permission to put anything on my consumer report, also according to 15 USC 1681A ( 2 ) ( a ) ( i ) *Transactions are not to be used on a consumer report at all* ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; and this inaccurate reporting would be transactions or expressions according to 15 USC 1681A ( 2 ) ( a ) ( i ) and these transactions are not a part of a consumer report either I need these unlawful inaccurate reporting deleted asap and not brought back XXXX XXXX # XXXX {$4400.00} XXXX  XXXX # XXXX {$3900.00}
Product: Credit reporting or other personal consumer reports

My account with Equifax was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure tha
t each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Equifax Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

Student loan dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Student Loan Review and Potential Deletion Due to FERPA Violation Dear Loan Servicer or Department of Education, I am writing to formally request a review of my student loan records in light of potential FERPA violations that may have impacted alleged loans eligibility, terms, or disbursement. Under FERPA I have the right to privacy and accurate record keeping regarding my educational history. 


Upon reviewing records, I have identified discrepancies/ misuse, identity theft/misuse of my educational information, including but not limited to : all credit accounts showing in XX/XX/XXXX all accounts up to date and updated for XX/XX/XXXX. Accounts wrongly show 90 day delinquent which is inaccurate. All accounts are showing unpaid/balance which is incorrect and fraudulent. XXXX and XXXX have both been servicers of the XXXXXXXX XXXX XXXX XXXX. These incorrect and unauthorized RELEASE OF EDUCATIONAL RECORDS, unpaid balances/postings loan disbursements are all FRAUDULENT according to FERPA regulations and consumer protection laws. This has affected my credit scores negatively in a huge way and impacted me due to denial of credit and has left me in a financial deficit.

1. ) I request a FULL review of these student loan records, removal of all errors caused by improper record-keeping, and data misuse.

2. ) A correction or deletion of accounts, amounts and balances.

3. ) Proper written confirmation of the finds with authorized documentation/verified in detail within 30 days.

CFPB/FTC complaints are also notified by complaint of this misconduct. Also filing 1099 's with the IRS. 


Best Regards XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations.I am disputing the following information directly with you, the furnisher of information, and I am requesting that you send me all papework you have on this account so i can review the accuracy of your reporting If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Experian for failing to comply with federal laws governing credit reporting, including but not limited to 15 U.S.C. 1681e ( b ), 15 U.S.C. 1681s-2, 15 U.S.C. 1681i ( 5 ), and 15 U.S.C. 1681c ( c ). I have repeatedly disputed inaccuracies on my credit report, yet Experian has failed to conduct proper investigations or correct the errors, as required by law.

Details of the Issue : 1. Failure to Ensure Accuracy ( 15 U.S.C. 1681e ( b ) ) : Experian has continued to report inaccurate information on my credit report, despite my providing evidence to refute the inaccuracies.

2. Negligence in Investigating Disputes ( 15 U.S.C. 1681i ) : I have sent multiple dispute letters to Experian, yet they have not conducted a reasonable reinvestigation. The errors persist on my report without explanation or resolution.

3. Reinsertion of Errors ( 15 U.S.C. 1681i ( 5 ) ) : After disputing certain inaccuracies, I noticed that some removed items were reinserted without proper notice or certification, violating federal regulations.

4. Failure to Investigate and Correct Errors ( 15 U.S.C. 1681s-2 ) : Despite notifying Experian of these inaccuracies, they have failed to comply with their duty to investigate and ensure the accuracy of the reported information.

Impact on My Life : These reporting failures have caused significant harm to my financial standing. I have been denied credit and employment opportunities and faced higher interest rates due to the inaccurate credit report.

CFPB Sues Experian for sham investigate or credit Report errors, which highlights that Experian has a documented history of neglecting consumers rights by failing to remove or properly investigateerrors in the credit reports. 
This issue has significantly impacted me ability to access credit, housing, and employment opportunities, causing me financial and XXXX XXXX 

XXXX I sent a letter disputing Account, inaccurate collection account, incorrect late payment. 

XXXX Experian responded was they found no errors. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Relevant Context : I recently learned about the lawsuit filed by the CFPB against Experian, which alleges systemic failures in properly investigating credit report disputes. My experience aligns with the claims in the lawsuit, further underscoring a pattern of noncompliance by Experian. 
Actions Requested : 1. Investigate Experians handling of my disputes and their compliance with the Fair Credit Reporting Act ( FCRA ). 
2. Require Experian to correct the inaccuracies on my credit report promptly and remove these items from my credit report.

3. Hold Experian accountable for failing to comply with federal laws and ensure they take corrective action to prevent similar issues in the future.

4. Provide me with updates on the status of this complaint and any actions taken against Experian. 

Thank you for your time and attention to this matter. I look forward to your prompt response and resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

After finding out a XXXX XXXX security breach and learning that I was affect by the breach I received an alert, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX that three account had been placed on my TransUnion report. After checking the alert I notice that I did not own these accounts. I have no idea what and who these account are. There is no contact information for these two accounts. The XXXX XXXX XXXX. are already on my account ; why are they reappearing? Recently I disputed the SOL status on this account in question. A print out is provided in the drop box. I did call TransUnion, talked to a rep which stated that he did not see the accounts on my credit report. If this is not true, I am trying to prevent them from hitting my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 Discover credit card has reported a miss payment to my XXXX  credit report and also on XX/XX/2018 reported to XXXX  and XXXX  with inaccurate and obsolete information thats shows on all 3 credit bureaus and they will not remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX and Transunion are reporting incorrectly that I am past due on XXXX XXXX partial account number XXXX. This account is coded as an XXXX and it needs to be coded as an XXXX. ( Please see page 3 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Mortgage

for the last 1 1/2 years the loan management company that bought my mortgage has been billing me money above the principle and interest saying it was for escrow for Property Tax and insurance. I already pay for all insurance that is required by Law thru my condo management company and every year They send Proof of That insurance to the loan management company, Well the loan company keeps sending me letters saying they are buying insurance anyway and they didn't get the fax and I can't get them to acknowledge I already have it and they Threaten to foreclose if I don't Pay. I even had the insurance provider call them to make sure they had it and she sent me a letter with the name of the person she talked to and they told her they had all the proof of insurance they needed, and then I got another letter saying they needed proof of insurance. It's like they are harassing me until I pay them,, Also I got a letter from the Tax dept. saying my taxes haven't been paid in 3 yrs and I had 4 days to pay them or the property was going up for auction, ,Needless to say I was shocked and Immediately had to go pay almost {$2000.00} worth of taxes at the Tax dept to stop action on my property. I called the Loan management company and asked them why they hadn't paid my taxes they said the tax dept. told them I didn't owe Taxes .I asked them where did my money go that they have been charging me for escrow they said they would do an escrow analysis .The escrow analysis said they need more money,, I Faxed them a letter formally asking them not to escrow my account and that I'm responsible for my own taxes and they weren't paying them anyway. and I wanted the money back for the escrow and Insurance for the last 1 1/2 yrs yrs that they didn't pay. That are trying to raise my escrow by twice as much as my taxes are and won't even talk about where the escrow money that they already have went.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to permanently remove my name from the list that XXXX XXXX XXXX XXXX, Experian, XXXX, XXXX, and XXXX, provide to businesses that send firm ( pre-approved/ pre-screened ) offers of credit or insurance.
Product: Money transfer, virtual currency, or money service

Last year my friend transferred me XXXX through Wells Fargo Bank, but the bank staff put in my account number wrongly, so I didn't receive the money, which partly caused our financial issues and loss. Because my friend didn't have an account in Wells Fargo Bank, so the money will be returned his account in the XXXX XXXX. But because he broke the code of conduct undeliberately, his XXXX XXXX account was locked. So we can't get the money. My friend contacted the Wells Fargo Bank customers service, but they said we can only get the money after my friend 's account is unfrozen. 
But we really need the money to resolve our present financial issues. I hope the Wells Fargo Bank can continue to transfer the money to me.
Product: Bank account or service

I am contacting you for assistance in initiating a dispute with TD Bank in regards to excessive overdraft fees. I have a checking account with TD Bank and I am enrolled in TD Bank Overdraft Protection Coverage. However, TD Bank has been for a long time abusing this enrollment and excessively charging me fees. TD Bank does not properly allow their clients to be aware there are pending transactions on an account due to their outdated processing system which can take even up to three days to reflect an instant debt transaction on an account. TD Bank on Saturday and Sunday do not reflect any transactions not even as pending, then on either Monday or Tuesday they process transactions since Friday night and they are not processed in chronological order so they deduct from all those days ll at once starting with the transaction with the highest amount leading to multiple overdraft fees for transactions that were done when the balance was available. 

I was informed by multiple representatives of TD Bank that if an account goes into overdraft and the account is brought to a positive state on the same day by XXXX XXXX Eastern Standard Time an overdraft fee will not be applied. On Tuesday, XXXX XXXX, 2016 my account went into negative standing, However on the same day I made a deposit of {$22.00} at XXXX XXXX EST. which brought the account to a positive standing of {$0.00}, my receipt also reflects this. TD Bank charged me XXXX over draft fees of {$35.00} each. I believe it is unfair and misleading that TD Bank does this because there is no way for me to reference my transactions with them. Since this bank is not updating their processing system as mandated I can only go by the information that is provided. As I stated above my balance reflected a positive standing within the cut-off period of same-day processing. I attempted to resolve this with TD Bank directly ; I spoke to a manager XXXX in the New Jersey Contact Center but they refused to assist me and they were extremely hostile with me.
Product: Debt collection

On XX/XX/XXXX, Provider billed an incorrect ( higher level ) exam code then what was performed in the office which is insurance fraud. I tried REPEATEDLY to give them a chance to correct the code. Every time I called ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) I was told that the provider had not gotten a chance to review and correct the code yet but that they were working on it and would send the corrected code to insurance and then get back to me. After a year of me calling and them never following up except for sending me the same incorrect bill every month with no other explanation, they sent a letter saying we would be sent to collections. I called AGAIN and was told not to worry about it, we dont send patients under age XXXX to collections. I asked her to email me saying that since up until this point no one had followed through on anything that was said. A copy of that email is attached below although in the email she changed the verbiage from do not send to shouldnt send. 
Now, almost a year later, after not correcting the code or calling me back, they DID send it to collections.
Product: Credit card or prepaid card

I submitted a payment that was due on XX/XX/XXXX, and was received by XXXX XXXX on XX/XX/XXXX, a whole seven days prior to my due date. However, I still received a late fee. I have had issue after issue with late fees with *only* this card and company. This is the only card that takes five+ days to credit my account when using XXXX XXXX XXXX bill pay, so now I have started paying early to attempt to avoid the continued fees, obviously now, to no avail. 

In the last complaint the company blamed XXXX XXXX and indicated that I needed to have XXXX XXXX message/contact them to correct the issue. XXXX XXXX said they released the money to XXXX XXXX after their 2 business day delivery window and that the extended amount of time for XXXX XXXX to post the payment was on XXXX XXXX and there was nothing they could do other than print out the release of funds statement, which I had already supplied to XXXX XXXX in numerous previous complaints about this issue. I am unsure what to do, other than assume I am paying interest and a $ XXXX monthly fee ( late or not ) at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

print iconPrint Your Report Potentially Negative show tooltip button XXXX XXXX XXXXDispute XXXX   XXXX/XXXXDispute XXXX XXXX XXXXDispute XXXX/XXXX/XXXX XXXXDispute XXXX XXXX XXXXDispute ftc violation sent to everybody
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 Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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: Bank account or service

I had a USBank checking account. I have been keeping the account balance above {$1500.00} to avoid the service fee. When I decided to close the account last month, I transferred all the balance to another account outside USBank, and tried to inform them about my decision on closure via secure message. But I received their message back after several days, saying they can not close until I call them, and they already charged me a monthly fee of {$6.00}, making my account balance negative. I called them to close the account, and later I found the account was no longer in my online banking account, and I had no way to access it anymore, or pay the monthly fee. But today I received an email saying they are going to charge me {$25.00} per week overdraft fee, as well as a {$30.00} charge-off processing fee in XXXX. Also they are going to report this to consumer reporting agency. I think USBank is being ridiculous in this case. I informed them to close the account in the first place, but they did not, and charged me a monthly fee instead. Now they are saying I overdrafted the account because of they putting a unfounded monthly fee on my account, and they are going to charge me {$25.00} per week based on that, as well as a {$30.00} charge-off fee. Even if I intended to pay XXXX {$6.00}, I had no way to do so now since it is no longer in my online account. I want them to remove all these unreasonable fees.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, specifically in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please remove these items. 
XXXX XXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXXXXXX Balance : {$1400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX