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

The Credit company experian has not responded to my request for a 1099 form for cancellation of debt meaning if the 1099 was filed I do not owe a debt of over {$9000.00}. They had to file their taxes in order to cancel the debt and discharge it or write it off under the tax law.
Product: Credit reporting or other personal consumer reports

My account with XXXX was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on XXXX. 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 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 XXXX days before the payment due date.

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


I have requested proof that this information was mailed or delivered XXXX  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, credit repair services, or other personal consumer reports

I XXXX XXXX, am filing this CFPB complaint for violations of my civil rights. Under the FCRA, 15 usc 1681 in accordance with federal law. My rights have been violated by the credit bureaus, XXXX, Trans Union and XXXX Information Services.

I sent my first dispute on XX/XX/2023 cerified receipt returned to each of the credit bureaus, in the dispute process. I never received any dispute results, In accordance with FCRA, 15 BUSC 1681 per fderal law. Not responding within 30 days. Constitute negligent noncompliance. According to the Fair Credit Reportng Act, 15 USC 1681 Section 611 ( a ) ( 1 ) ( A ), you are required by federal law to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and rcord the current status of the disputed information, or delete the item from the file before the end of the 30 day period beginning on the date you received this notice. 

I demand to see verifiable Proof ( This should be hard evidence that goes all the way back to the original creditor, not verification from a third-party database. ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE A COPY OF VERIFIABLE PROOF, you must remove the accounts listed below. 

On XX/XX/2023 I sent another certified letter Second Written Request for you to remove the unverified accounts listed, that remain on my credit report in violation of 15 USC 1681. The inverified items listed on my report still remain on my credit report in violation of Federal Law.

In accordance to the Fair Credit Reporting Act, 15 USC 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), you are required by federal law by request of the consumer, a description of the pocedure used to determine the accuracy and completeness of the information, and the telephone number of such furnisher. You must provide this request by no later than 15 days after receiving this request for that descripition as according to the Faic Credit Reporting Act, 15 USC 1681 Section 611 ( a ) ( 7 ). 

In the lack of results, or non results of my first request for a investigation ( you did not send any verification information ) thus you are in direct violation of negligent noncompliance. 

You have not provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. Under Section 611 ( 5 ) ( A ) ( i ) of the FCRA-you are required to '' promptly DELETE all information which can not be verified. ".
Product: Checking or savings account

I have not received copies of the last 90 days of my statements so I can file for disputed transactions per UCC CODE. 

I am asking again that these statements or my account that was closed ILLEGALLY without my permission be unblocked IMMEDIATELY.
Product: Debt collection

I don't owe anything to XXXX XXXX with account number XXXX. They should have confirmed this from the XXXXriginal Creditor since I have made my payment to them. Investigate this account thoroughly and make the necessary correction or just remove the account automatically.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report a public record labeled " US BKPT CT TN XXXX '' is allegedly being reported from the USBK Court XXXXXXXX Tennessee in XXXX. When I contacted that court, they responded via a letter, which is attached, stating that they do not report to any of the credit bureaus. The credit bureaus are reporting that the furnisher of this information is the USBK XXXX XXXX Tennessee. The credit bureau either made a mistake or is blatantly lying. Either way, this information is inaccurate and I demand that it is removed from my credit report immediately..
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 XXXX  XXXX Account Name XXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX  XXXX XXXX XXXXXXXX 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 card

I hired a service company that did not provide the services they charged me for. American Express keeps closing the dispute in favor of the merchant even tho I provided evidence of the merchant charging me for services and materials not provided. I have also tried working with the merchant directly and they stated they performed all the work and then threatened me to put a lien on my home. I also called the Department of Consumer Protection and spoke to XXXX XXXX, an investigator. He is charging the company {$5000.00} for violations on my behalf. Also, the XXXX XXXX police filed criminal charges against the owner who defrauded me and claimed he was a contractor. I uploaded ALL of the supporting evidence to American Express. I even have a statement from the merchant to XXXX XXXX stating that he has refunded me in full and he submitted a screenshot of an initial chargeback from American Express. 

My dispute started with American Express in XXXX. They have sided with the merchant on XX/XX/XXXX when clearly it is a fraudulent charge!
Product: Debt collection

On XX/XX/XXXX, I initiated my most recent dispute by sending a certified mail to LVNV FUNDING LLC. In this communication, I requested thorough verification of the debt, including but not limited to the original contract bearing my signature. Regrettably, I have not received any response from LVNV FUNDING LLC containing the requested documentation, nor have I received the 1099-C form. I also explicitly asked that they cease collection activities on this debt while the verification process is underway. 

Prior to this, on XX/XX/XXXX, I sent a certified letter to LVNV FUNDING LLC requesting the original contract pertaining to this debt. It is important to note that the original debt in question does not appear on my credit report, further necessitating clarification. However, my request for the original contract went unanswered, and the response I received merely stated that the debt had been " verified '' without providing any supporting documents. 

Additionally, on XX/XX/XXXX, I communicated with all three major credit bureaus to dispute the inclusion of the LVNV FUNDING LLC account on my credit report. I asserted that this account did not belong to me and requested its removal. Despite these efforts, the LVNV FUNDING LLC collection account continues to be reported by XXXX and XXXX. 

Then today XX/XX/XXXX I received a certified letter from the sheriffs department demanding payment. 

I have undertaken these actions in good faith to resolve the matter and ensure the accuracy of my credit report. It is my sincere hope that the Consumer Financial Protection Bureau ( CFPB ) can facilitate a thorough investigation into this dispute to ascertain the validity of the LVNV FUNDING LLC collection entry on my credit report. I urge your prompt attention to this matter as it significantly impacts my financial standing. 

Please do not hesitate to reach out if additional information or documentation is required to facilitate this investigation. I appreciate your assistance in resolving this matter and look forward to a prompt resolution.
Product: Payday loan, title loan, personal loan, or advance loan

I tried to make payments by logging into my account. I had fraud activity on the account which I reported to them. They never contacted me about the fraud either through mail, email or phone. Instead they locked me out of my account and I was unable to make payments. Affirm NEVER reported any of my positive payments. They locked me out of my account, prevented me from making payments then reported all of the late payments to XXXX who happily reported the negative information.
Product: Credit reporting

XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX/1990 ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
B RENT RECOVER XXXX XXXX XXXX XXXX XXXX XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within XXXX business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XXXX/XXXX/1990 ADDRESS XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX
Product: Vehicle loan or lease

We were granted an extension with Toyota and Lexus Financial in XX/XX/XXXX, extending our payment deadline until XX/XX/XXXX. Despite clear communication with a representative, affirming that the extension was secured prior to any potential late payments, we are now facing discrepancies. Our credit scores, XXXX and XXXX respectively, highlight our responsible financial management. However, recent experiences have left us questioning the professionalism of the service provided.Last 4 account numbers of all cars approved.XXXX, XXXX, XXXX, XXXX. 

Additionally, while the website allows for payment at any time, we have encountered issues making payments at XXXX XXXX. Moreover, our request to change the payment date for all five of our vehicles to the XXXX was initially approved verbally, yet one vehicle, the XXXX, still reflects the original due date of the XXXX. Despite multiple follow-ups over three months, we have yet to receive the necessary form for this adjustment. 

This recurring need for communication, coupled with discrepancies in payment processing and date changes, is not only frustrating but also reflects poorly on Lexus Financial. Our commitment to timely payments has been undermined by these administrative shortcomings. Furthermore, the recent sudden inclusion of the XXXX in auto-pay, without our consent, raises concerns about the handling of our account. 

We implore Lexus Financial to address these issues promptly to prevent any further damage to our credit and restore our confidence in their services..
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 


Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting

I noticed that Experian had, unbeknownst ( and unauthorized ) by me, had signed me up for monthly credit monitoring. I did n't notice it until the second month, at which time I contacted the company. I was able to get the account cancelled and to get the second month 's charges reversed. However, the customer service rep was " unable '' to reverse the first month 's charges. She transferred me to a supervisor, but that person never picked up, so I abandoned the call and submitted a dispute through my credit card company. I 'm still waiting for the results.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is inaccurate, this should not be in my credit report, I demand it to be deleted
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax and XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided proof of identification theft on my credit report and consumer report and they still report student loans on my account they need to be permately deleted off all agencies
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit
Product: Credit reporting or other personal consumer reports

There are unauthorized inquires on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> )
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021, XXXX XXXXemoved the 2 bankruptcies that were reporting on my credit file due to not being to able to verify it. A letter was sent to the court asking to please provide the procedure they use to verify records with the credit bureaus, the clerk of the court replied that they do not report or verify any information to any thirds party or credit bureaus. This letter was sent to all 3 credit bureaus, XXXX  removed the 2 public records but XXXX and experian did not, it is very clear the court does not report to them or any credit bureaus, so their original response stating that the item was verified was either an error or a lie. Either way their reporting requirements do not comply with the FCRa law. If XXXX  removed it because they could not verify the information, how did XXXX  and experian do it? Please provide the documents or information with the person you spoke to or used to verify
Product: Mortgage

PHH Mortgage bought the mortgage I have from Ocwen XXXX. I am current on my payments, but after 5 years of on time payments, they still have not removed the PMI from payments. If I call, I get benign answers and reading from a " script '' and " apologies ''. I am overpaying by {$120.00} a month, and it was supposed to be removed XX/XX/XXXX. No response, even though I sent letters and called. I have copies of correspondence. I want them to remove the PMI as promised, and the remit a check as promised for the several months of overpayment. ( 7 payments thus far ). OUR LTV is in line, and there is over {$150000.00} of equity in my home. Please ask them to handle this immediately. REMOVE THE PMI!! PHH mortgage is not pleasant to work with.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter addressed to the 3 Credit Bureau requesting to conduct an investigation and correct the information being reported. The 3 credit bureau must validate these accounts in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I am one of the potential victims of the recently announced Equifax security breach, giving hackers access to my secure private information including social security number, date of birth, full address, and driver 's license number. As such, Equifax has not served as a good steward of my private information.
Product: Debt collection

IC Systems collection agency has been harassing multiple family members ( including my brother, and elderly father ) on many occasions. On one occasion my father was with me and passed me the phone, i explained to the gentlemen on the phone that the number he is calling is not mine and my fathers and to stop calling it and he hung up on me. I called again, and spoke to a women who said they would take my fathers number off file. They still call my father almost everyday. Harassing an elderly man for no reason, demanding him to put me on the phone to speak with them. I have also on more then one occasion told this company not to call me anymore or send letters, since they wished not to settle an amount with me. I explained if they didn't wish to settle then there is no reason to keep calling me. They send letters to my house every single week. It absolutely insane. I called once from my work phone to speak to someone about settling and now they call my work phone! So unprofessional, this is beyond the point of harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

State Farm Bank has reported to all three credit reporting agencies that I had exceeded my credit limit, overspent ( maxed out XXXX my card specifically on a {$2000.00} credit limit and that I had a high balance of {$2200.00} from XX/XX/XXXX to XXXX/2020. I called in XX/XX/XXXX2020 and an State Farm bank account executive confirmed the info was false. I was told regardless to file a dispute with the credit reporting agencies which I did. The decision came back from State Farm Bank XXXX stating the info was accurate and would remain on my record. 
The credit reports clearly in the boxes report every balance I had during that period, the highest I have ever been was {$1900.00}. I called State Farm and spoke to account executive again and she also reported I never had the high balance being reported and in fact had never maxed out my card and confirmed the highest balance I had during the specified period was {$1900.00}. I disputed it with all 3 credit reporting agencies. XXXX returned a decision to me stating State Farm would not change this discrepancy. I was then told by State Farm to file a formal report with them, sending them a letter outlining the specifics of my complaint and producing all statements from this time frame and they would look at my claim and return a verdict in 60 days ( after already waiting for 60 days with formal disputes with the three agencies would should have easily remedied this ). The evidence they need is directly on my report, their own staff report this is a false claim on my record. XXXX  tells me there is nothing they can do my dispute was sent in and State Farm has declined to intervene on a clearly inaccurate reporting of my history. Why is their a dispute process with the agencies if the company can disregard the complaint despite clear evidence and support to the contrary. I have been told that as long as this dispute is on my record I can not move forward with refinance of my home. I have now waited longer than 60 days and am being asked to go through a process again despite clear irrefutable evidence on my own credit report articulated month by month for every time frame within the reporting period.