23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX XX/XX/2023 I received a notification from XXXX that a collection item had been placed in my XXXX credit files by I. C. Systems , Inc. in the amount of XXXX  XXXX ( XXXX ) dollars. To be clear I have not received a collection notice from I. C. Systems , Inc.. Given the amount, it would appear to be an item that was returned to the alleged original creditor " unable to collect '' because the former collections agent was unlawfully engaging in collections without license in my state. I asked that agency to verify and validate the alleged debt -- they did not. I asked the collections agent to provide me with a copy of the bill that substantiated the alleged amounts owed to the original creditor -- they did not. I asked for the name of their registered agent in my state, their business ID, and their license number with my state 's regulator -- they refused. Now, per the FDCPA I have thirty ( 30 ) days after receiving a collection notice to dispute the alleged collection item. Customarily the collections agent does not place a collection item within credit files until the debt can be verified and validated after notification of dispute is filed by the consumer and/or payment for the alleged amount is submitted before the thirty-day period has lapsed. I have received no collection notice and thus have been unable to exercise my right of notice and opportunity to be heard. As an individual that is employed by a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, my finances are periodically reviewed and I am required to handle financial issues within close proximity to receiving notice. This makes right of notice crucial to mitigate any concerns, or perceived concerns, surrounding issue of national security. Finally, to mitigate any distractions that may arise from civil issues, we are given the ability to obtain counsel through a third-party as a part of our employment benefits. Given the nature of my employment, financial matters are of utmost concern.
Product: Credit card

I recently looked at my credit and it showed on my hard inquiries and I was seeing that It showed, I've been that was charged off with two off my hard inquiries and still listed as a hard inquiries which effects my credit score. My Dispute is that those that are listed up to be took off that are listed as charged off. It is against the law to flip another lien on another company or still have it up on my credit score still effecting it if it's listed as charged off. I would like Discover Bank Credit Card -Shows That it was charged and wriiten off in the year 2024. The other one is XXXXXXXX XXXX XXXX  says it was closed XXXX was the amount in the same yeaXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX is in violation of multiple laws set forth by Congress in regard to two ( 2 ) following account # 1575. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( XXXX XXXX XXXX XXXX ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( XXXX ) ( A ) states that A person ( XXXX XXXX XXXX XXXX ) shall not furnish any information relating to a consumer ( XXXX ) to any consumer reporting agency ( XXXX, XXXX, Equifax ) XXXX the person knows or has reasonable cause to believe that the information is inaccurate. XXXX XXXX XXXX XXXX can not collect on a XXXX debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or XXXX XXXX is Income. The reporting of this account as a debt is inaccurate. I never received a XXXX from XXXX XXXX XXXX XXXX for the cancelled debt of { { {$23000.00} } } in order to file as ordinary income. Where is my XXXX XXXX XXXX XXXX XXXX is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debts greater than { { {$600.00} } }. This is unsatisfactory! XXXX XXXX XXXX XXXX has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In XXXX XXXX XXXX XXXX terms and conditions they agreed not to share my information with nonaffiliates. XXXX, Equifax, and XXXX not an affiliate of XXXX XXXX XXXX XXXX nor are they " bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non written, verbal, and non verbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following items to be errors. 

*XXXX XXXX XXXX ( acct # XXXX ) Balance {$1000.00} *XXXX XXXX XXXX ( acct # XXXX ) Balance {$4400.00} XXXX XXXX XXXX ( acct # XXXX ) Balance {$490.00} XXXX XXXX XXXX ( acct # XXXX ) Balance {$1000.00} I am unaware of the above listed accounts. Please VALIDATE this information with the creditors and PROVIDE ME WITH ANY DOCUMENTATIONS associated with these accounts, ( i.e. an ORIGINAL CONTRACT BEARING MY SIGNATURE ). I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note that you have 30 days to complete your investigation, as per the FAIR CREDIT REPORTING ACT section 623 ( a ) ( 3 ), and I am keeping CAREFUL record of your actions. 
Failure to respond satisfactorily within 30 days of RECEIPT of this CERTIFIED letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement Of Identity Fraud 3. ) Violation Of The Fair Credit Reporting Act You will be REQUIRED to appear in a court venue local to me, in order to formally defend yourself. 
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via the better business bureau along with an online public press release, including documentation of any potential small claims action. 
* Please remove all non-account holding inquiries over 30 days old. 
Thank you for your cooperation in this matter, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for a loan and they stated that my car loan has not been reporting on my XXXX report. I tried calling Ally and they stated that he has been reporting but I am also not seeing it on my report.
Product: Debt collection

I never applied for credit or authorized anyone to use my personal information to obtain credit from XXXXXXXX XXXX XXXX XXXX XXXX I have no knowlege of ever owing this bank any money. I received a letter in the mail stateting that I owe {$530.00}. 
I have been notified through the mail by Midland Credit Management Inc. who is attempting to collect this debt. The original creditor is XXXXXXXX XXXX. Furthermore, I am reporting this debt as fraudulent.
Product: Checking or savings account

> XX/XX/2020 I had a online deposit to my Chase checking account for XXXX from XXXX   XXXX. 
XXXX The XXXX XXXX  check was drawn off a Chase account > I live in XXXX, AZand the address on the check is XXXX Arizona > I received a notice that the deposit was put on hold and the funds would not be available in my account until XXXX XXXX. The message was vague and did NOT provide any concrete justification > I've attempted to call Chase 3 times and was put on hold for over 20 minutes each time after which I gave up. 
> It is my understanding Chase is required by law to make available {$200.00} within the first 24 hrs ; {$600.00} the following 24 hrs.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair credit Reporting Act, Section 609 (a)(1) (A) the credit bureau is required by federal law to verify through physical verification o the original signed certified consumer contract  of any and all accounts posted and or reported on credit report.  These credit bureaus have engaged in massive data breaches and compromised citizen s credit information and personal information.  Through the years they have engaged in evasive manuervers, benign neglect, and plausible deniability.  They have been sued and in some instances some individuals haven't  recovered.  These institutions have crippled my credit the majority of my adult life with erroneous information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report, it shows a derogatory public record ( such as a bankruptcy, foreclosure, civil judgement or tax lien ) or collection which is generally riskier to lenders. As a XXXX year old XXXX student, I've never once filed for bankruptcy, foreclosure, civil judgement, etc. This false derogatory record is damaging my credit score which I'm working hard to develop in order to buy a house within the next five years. Please help me delete this false record off my credit report. This most likely was a security breach. 

Thank you.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I fell victim to multi-layered scam operations run by XXXX XXXX XXXXXXXX which involved me making deposits for a total amount of XXXX XXXX  from my Exodus account to fraudulent investment firm ( s ).
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history 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 to be updated.

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 that 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.

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! 


Update the late payments from my consumer reports
Product: Mortgage

On XX/XX/XXXX I feel behind on my mortgage because I was forced into early retirement and am know only rely on my Social Security income. My mortgage is at a 10.5 % interest rate and i'm not able to afford my mortgage payment with just my Social Security income. I tried to be reviewed for workout assistance with my lender and have been denied because my investor does not participate for workout assistance. To make matters worst I relied on getting some type of assistance that I feel more behind that I got a sale date and had to file bankruptcy and I am now in bankruptcy making my trial plan payments. But still not able to afford my current mortgage. I feel that I am the perfect candidate for workout assistance. I have never been approved for anything and now need it more then ever. I was then advised on XX/XX/XXXX that once again my request for mortgage assistance has been denied due to the investor not participating. If I knew this investor would come back to take my home I would have never gotten a loan from him. I want the investor to sell my loan to another investor that offers assistance so that I can keep my home.
Product: Checking or savings account

went on XXXX to open a XXXX XXXX account with an advertisement that showed a bonus reward for depositing so much money into the account. I set that appointment up to do so. Once there it took 2 hours of my time to set the account up. with all the personal questions of what my company does. how much will my company make in a year. what is the gross, what is the profit? where will the money be coming from. how do you intend to use the account? do you intend to receive or send wire transfers? just so many questions. copying all my personal info ie, drivers lic, social security number LLC Tin. and signing papers. to be told at the end the back office needs to look over the account and see if they can open it. 
I think this is all a scam. false advertising. and to waste my time and risk me having to go into the bank with covid in high numbers was not how I wanted to spend my day. 
I would like the CFPB to investigate citibank for false advertising.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX Case number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Non-Compliance with Section 605 ( b ) and 605 ( b ) ( c ) of the Fair Credit Reporting Act Dear Sir/Madam, I am writing to formally address Equifax 's failure to comply with Sections 605 ( b ) and 605 ( b ) ( c ) of the Fair Credit Reporting Act ( FCRA ), following the submission of my signed, dated, and stamped self-attestation form from a recognized XXXX. While both XXXX and XXXX have honored my request and successfully blocked the identified adverse items of information from my credit report, Equifax has failed to take similar action, resulting in discrepancies on my credit report.

Section 605 ( b ) of the FCRA clearly outlines the prohibition against the continued reporting of adverse information when certain conditions, such as the provision of a self-attestation, have been met. Despite my compliance and the submission of all necessary documentation, Equifax has not fulfilled its legal obligations to investigate and block the inaccurate information in question.

I demand that Equifax immediately correct this oversight by removing the identified adverse items from my credit report. Failure to comply with the legal requirements under Sections 605 ( b ) and 605 ( b ) ( c ) places Equifax in violation of the FCRA, and I reserve the right to pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and taking legal action, if necessary.

I expect written confirmation that the discrepancies have been resolved, as well as an updated copy of my credit report, within 4 days of receiving this letter persuant to section 605b and 605 ( b ) ( c ) of the fair credit reporting act Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I was allegedly loaned {$110000.00} to purchase my home @ XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX by XXXX home loans. This alleged debt was subsequently was sold to Shellpoint Mortgage company. It is being serviced by NewRez. It has come to my attention that these companies never actually loaned me money, but they created money by using my credit. Since they used my credit without disclosing they were doing such. I never gave them authority to change my promissory note into money. The loan was funded by myself. The fact is there HAS NOT been any real " money of account '' since XXXX, when HJR-92 WAS PASSED ON XX/XX/XXXX. The promissory note I signed is based on NON-DISCLOSURE which voids any contract NON-DISCLOSURE LISTED AS FOLLOWS ... 1. Lack of consideration ; all contracts must have consideration to be valid. 2. NON-DISCLOSURE of the use of the promissory note and signature I was not told that the note would be used to open an account in my name to monetize the note I signed.3. I was not told about the process of monetizing a security interest. 4. NON-DISCLOSURE of the banks relationship to the trustee and beneficiary. Most banks own and control the trustee and beneficiary. This is illegal and a conflict of interest. This makes the note in it's present form VOID. 5. NON-DISCLOSURE of the bank 's lack of authority to foreclose. When I signed the note it was guaranteed by the Department of Veterans Affairs. The bank can not foreclose is no commissioner has been appointed by the VA to oversee the foreclosure. 6. FORGERY of the document I gave the bank for safekeeping. When the bank alters my promissory note in ANY WAY, it is an act of forgery. A simple " for deposit only '' on the back of the note is an act of FORGERY.
Product: Vehicle loan or lease

I am submitting this formal complaint against Kia Finance due to their refusal to remove a late payment from my credit report, despite my good-faith efforts to resolve the matter directly. Kia Finances actions may constitute an unfair or unreasonable credit reporting practice under the Fair Credit Reporting Act ( FCRA ) and relevant consumer protection laws. 

The reported late payment, while acknowledged, was an isolated incident. My account has since been brought current, and I have demonstrated a consistent pattern of timely payments. Under the principles of equitable consideration and goodwill adjustments commonly exercised by creditors, I formally requested Kia Finance to remove the derogatory mark. However, they have unreasonably refused, despite the fact that goodwill adjustments are neither illegal nor prohibited under FCRA.

The continued reporting of this late payment is causing undue harm to my creditworthiness, disproportionately impacting my financial opportunities. Given that Kia Finance has full discretion to grant a goodwill deletion, their refusal absent a legitimate business justification may constitute a failure to act in good faith. 

I am requesting the CFPBs intervention to investigate this matter and ensure that Kia Finance complies with fair credit reporting practices. Enclosed are copies of my correspondence with Kia Finance, proof of payment, and other supporting documentation. 

Please advise on the next steps in addressing this issue. I appreciate your time and assistance in upholding consumer rights and financial fairness. 

Sincerely, XXXX XXXX
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. 
AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THESE ARE NOT MY ACCOUNTS AND I HAVE NO KNOWLEDGE OF AND THEY HAVE VIOLATED my RIGHTS. 
I looked at my Experian 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: Debt collection

XX/XX/XXXX at XXXX i recieved multiple back to back calls on my work phone from Accredited Collection Agency. The man called even after being told it was a business line. 

This is harrassment.
Product: Money transfer, virtual currency, or money service

I am writing formally to express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues 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 CFPB 's 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. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.