23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

XXXX XX/XX/year> I applied for a car loan at XXXX XXXX of XXXX XXXX I have sent CONSUMER PORTFOLIO SERVICES INC, a letter with no response from them as well as no remedy. I gave them an asset backed security that is being traded on the primary and secondary market for the next 33 years with my signature as the collateral used, which according to their forms filed with the SEC and multiple prospectus an open ended unlimited credit should be granted and I shall not be denied. Since they have failed to comply I have been injured, humiliated, suffered emotional damage, pain and suffering and XXXX. Please help rectify this situation. Pursuant to their XXXX and prospectus reports my application has been securitized and traded to third parties and used as collateral. Yet I was denied a line of credit.15 U.S.Code 1691 it shall be unlawful for any creditor to discriminate against any applicant with the respect to any aspect of a credit transaction. I need to be compensated for my time and all violations and injuries.15 U.S.C . 1681n Civil liability for willful noncompliance : states Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; ( 1 ) I was not able to receive vehicle ( 2 ) they added a derogatory mark to my credit dropping the score ( 3 ) They are making money off of a collateral backed security which I am receiving no proceeds or pleasure ( 4 ) I was humiliated twice, Once as I sat across the table from my long-time college friend having to catch an XXXX back home, And again as I got home and my oldest son ask me : What happened to the new car? I thought you were buying a car XXXX. ( 5 ) To go to the XXXX website and read the promises they made about not selling on the secondary market and how they would uphold investor and consumers rights 15 U.S. Code 1681 : The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.In the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer a result of the failure or {$1000.00}, whichever is greater ; Unless credit be granted with all violations included you will pay the sum of XXXXXXXX XXXX XXXX XXXX in check form to XXXX XXXX XXXX XXXX ) IF YOU FAIL TO COMPLY I WILL BE FORCED TO CONTACT THE FTC & XXXX  AND FILE AN OFFICIAL REPORT OF SECURITIES FRAUD AGAINST YOUR COMPANY & SUBSIDIARIES. 
DONE IN GOOD FAITH ALL RIGHTS RESERVED
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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 have sent several request to both XXXX and Experian to remove incorrect addresses, phone numbers, income of SSI, and names from my credit report. However, even though the emails and website shows deleted it still is showing on the report and it is affecting my closing process on my new home. 
There should only be one address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX One phone number XXXX one name : XXXX XXXX XXXX
Product: Mortgage

The lender for my mortgage is TIAA Bank. I filed my complaint originally with the OCC but was referred to your entity since the issue is concerning the management of my escrow account. 

I own a rental property in XXXX VA. The taxes are due twice per year. In XXXX and XXXX of each year. 

In XXXX of 2020 I transferred title from my individual name into the name of a trust. The city of XXXX recorded the transfer and later sent a bill for my taxes to TIAA. The bill reflected the taxes due fom the date of the transfer into the trust until the first half of the year. 

TIAA Bank thought the bill was supplemental in nature. As they explained to me a supplemental bill is not required to be paid by them since it is supplemental. The bill was not supplemental but was for the second half taxes. 

TIAA Bank failed to pay the taxes due in XXXX and did not pay them until XXXX. When they paid the taxes in XXXX they paid them for the past due half year and the current amount due. The city of XXXX charged interest and penalties of {$610.00} for the late payment on the first half taxes. 

I received my escrow analysis of my account. Included in the escrow analysis was a charge for {$610.00}. The charge listed on my escrow analysis was listed as " taxes ''. 

I called TIAA Bank and spoke with a customer service person. The person confirmed that the {$610.00} was for taxes and was not for penalties and interest. I called the City of XXXX after hanging up with TIAA Bank. The city of XXXX told me the {$610.00} was for interest and penalties for non payment of the 1st half taxes. 

I called TIAA Bank back and told them that I felt that they were being deceptive by telling me the charge was taxes and not interest and penalties. I told them that they are responsible to pay my taxes on time and they should pass their interest and penalities to me for their non-payment. They told me that the bill was supplemental and was not required to be paid by them. I believe that they are hiding behind words and are not taking responsibility to pay my taxes on time. I repeat that their practice of passing along late fees and penalties as " taxes '' is very misleading and is deceptive. 

They told me that they will not refund the money for the taxes and penalties. I told them that the City of XXXX sent them past dues notices for the taxes and insurance which they ignored until the interest added up to more than {$400.00}
Product: Mortgage

va loan mishandled by jp morgan chase - inaccurate financial transaction record - failure to ensure insurance rider placement and payment distribution in accordance with va loan regulations - failure to service va loan according to va regulations, - submitting and making misleading and misrepresentations to state, federal, courts ands judicial officials and agencies - failure to provide mortgage modification authorized and approved by the VA - failure to provide and misrepresentation of required policy and procedures to assist and/authorize homeowners claim repairs and payment disbursements i have submitted these complaints previously supporting witnesses XXXX XXXX, va loan specialist, XXXX pa attorney general XXXX, XXXX pa, XXXX attorney XXXX, XXXX pa, XXXX attorney XXXX, XXXX pa, XXXX pa state trooper XXXX and XXXX, XXXX pa XXXX, XXXX thousands of supporting documents, recordings, texts, and emails available upon request
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account.This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. I would like the following account to be investigated and the results of said investigation to be communicated in a timely fashion. 

Here is the account I am asking you to verify as accurate : XXXX  XXXX Account Number : XXXX Please verify this information and remove it from my report if inaccurate.
Product: Consumer Loan

THE BANK IS GIVING PERSONAL INFORMATION TO A THIRD PARTY WHO HAS RIGHT TO KNOW ONE INFORMATION.. THE ARE MIDDLE MAN BROKER CALL FORWARDER THEY OBTAIN THE ASSIGNMENT AN THEN THEY SEND IT OUT ACROSS THE COUNTRY TO A XXXX COMPANY WHO DOES NOT HAS ANY AUTHORIZATION TO KNOW MY INFORMATION.. ON TOP OF THAT THEY CHARGE THE BANK XXXX TIMES THE AMOUNT OF A AVERAGE REPO CHARGE TO THE COMSUMERS. YOUR JOB IS TO PROTECT US BUT THIS CONTINUE THERE ARE LAW BEING VIOLATED YOU MUST PUT A STOP THIS ABUSE.
Product: Credit reporting or other personal consumer reports

I benn a victim of identity theft. I contacted Equifax and told them for this inquiries are fradulent and provided proof. even thought they told me that this inquires were verifed .My personal information been used to obtain good and services.Please dispute and remove this fradulent infromation on my credit report XXXX XXXX  XXXX bank XXXX XX/XX/year> XXXX  XXXX ( bank ) XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

This is another complaint in a series of complaints after XXXX, Equifax and XXXX have been willfully noncompliant when it comes to accurately reporting in my consumer credit report. Fair Credit Reporting Act 15 USC 1681 section 602 a, states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Equifax and XXXX are consumer reporting agencies and I am the Consumer. My right to ensure my private information isnt shared is backed by 15 USC 6801 which states It is the policy of Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXXXXXX XXXX are financial institutions by definition under that title.15 USC 1681 section 604 a section2 states that In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to who it relates. XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXXXXXX XXXX the financial institutions and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX and XXXXXXXX XXXX whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX XXXX XXXX, XXXX, XXXX XXXX, and XXXX Card never informed me of my right to exercise my nondisclosure option. 15 USC 1681C ( a ) ( 5 ) states Except as authorized under subsection ( b ), 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. These accounts are adverse items reported again without my permission which is against the law. 15 USC 1681 s-2 ( A ) ( 1 ) states 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. 15 USC 1681 e states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also, 12 CFR section 1016.7 states that A consumer may exercise the right to opt out of at any time. I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I have been disputing fraudulent information with Equifax for a while requesting them to remove items that where not mine. They continue to keep information on my report that's not mine.
Product: Debt collection

a ) I received a debt collection letter dated XXXX by mail on XXXX with a deadline of XXXX to respond or dispute. A sick XXXX joke. 
b ) The amount is for {$3200.00}. 
c ) I do not owe the funds since the debt has never been validated per many requests thereof. 
d ) Statute of limitations exceeds 6 years for FL or GA states I have resided in. 
e ) Creditor may no longer be in business. 
f ) XXXX XXXX XXXX XXXX a subsidiary of Encore Capital Group, Inc send me the debt collection letter. Their fax number of XXXX is not in service. I found an alternative fax of XXXX via internet search but I can not verify if it is their fax. I sent my debt validation letter request and a cease desist letter to this fax. 
g ) The debt collector letter stated after XXXX XXXX signature that the law limits how long you can be sued on a debt and how long a debt can appear on your credit report. Due to the age of this debt, we will not sue you for it or report payment or non-payment of it to the credit bureau. If this is true, then why the effort to collect unverified debt. 
h ) Many online forums show XXXX XXXX XXXX as trying to collect debt and sue people for debt not verified nor owed. Some type of legal harassment or entrapment efforts to unsuspecting consumers. 
I ) I do not want this company trying to collect unverified debt from me how to stop? Credit dispute or debt validation letters sent to the company by people are typically ignored nor receipt thereof acknowledged according to online forum complaints.
Product: Mortgage

I have on several occasions over the last few weeks to get this resolved. 

The issue lies with Shellpoint and XXXX XXXX XXXX. Somehow during the process of XXXX XXXX selling the loan to Shellpoint a entry was made that we were 60 days late on a payment. I have verified with XXXX XXXX bank as well as Shellpoint that we have NEVER missed a payment and was NEVER late on a payment. It is clear on my credit report that Shell Point is carrying the error and I would like this corrected and rectified  ASAP! I have documentation to prove this I Have documents to include 3 statements from Shellpoint ( I was only with Shell Point for 3 months before you sold our loan ) All three statements show payment made on-time. In fact I was doing Bi-Weekly Auto withdrawal Payments approved by Shellpoint adding an additional payment during our time with Shellpoint. 

Currently I am in the process of refinancing my home and moving to a local bank and this error is prohibiting me from moving forward with this process. Clearly based on statements provided and back-up there is NO reason for this and NO reason I should have to go to these lengths to fix a error on your side.
Product: Credit reporting or other personal consumer reports

XXXX failed to provide any transaction history or verification for the disputed accounts, despite my request. They implied that I benefited from fraudulent transactions without presenting any evidence and refused to provide me access to the information they used to make their decision. Either they withheld key documentation or made their determination without reviewing any proper evidence. I am requesting that XXXX verify every detail of every account with adverse information on my report, as they failed to properly investigate and provide the necessary verification. If they can not provide this, I demand the removal of all adverse information from my credit report. Furthermore, I am asking that they provide me the evidence and justification that they used to not to investigate my claims if the accounts remain. There are multiple errors and with the hostile response. I am receiving to try and just straightened it out. I would like for them to verify everything well under scrutiny. I am still seriously ill and do not need to be dealing with this as it exacerbates my condition.
Product: Credit reporting, credit repair services, or other personal consumer reports

DSNB MACYS - -XXXX is reporting erroneously on my credit file. I filed for Bankruptcy in XX/XX/2019 and it was dismissed in XX/XX/2019. My account with Macy 's was included in that Bankruptcy. I recently checked my credit file and noticed that my account was still currently updating and that is a violation of the Bankruptcy stay. I have been working hard at improving my credit and this item updating is keeping my scores low. I need Macys to fix/remove this account on my credit file. It is against the Bankruptcy stay for them to update.
Product: Debt collection

I am sending this letter because I am very concerned. There is a late payment reported on my account on XX/XX/XXXX. I want to explain that I was not actually late. There was a third party company that was supposed to make the payment. 

I realized that I was reported as late, and I decided to contact this company. I am being very affected due to their error, and I dont know what else to do. When I contacted them, they apologized and sent me a letter. This was situation that I could not control. 

Account number : XXXX Credit limit : {$2500.00} Opened : XXXX XXXX, XXXX ( 13 yrs, 9 mos ) My request is based on many damages that I have suffered based on a third party error. I WOULD LIKE A FAIR SOLUTION : THIS LATE REMARK IN XX/XX/XXXX REMOVED FROM MY CREDIT REPORT ASAP. 

Please contact me if you need further information
Product: Debt collection

Account was paid for by LVNV FUNDING LLC..they are trying to collect on this when they already paid for..
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance With The Fair Credit Reporting Act XXXXXXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX reported a late payment of 30 days on XX/XX/XXXX in the amount of XXXX dollars, and XXXX XXXX XXXX XXXX reference # XXXX on XX/XX/XXXX reported a XXXX XXXXBankruptcy and in doing so 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 information without my written instructions.
Product: Credit reporting or other personal consumer reports

On XX/XX/2025, I filed a CFPB complain against Chase Bank Credit Card XXXX  ( XXXX ) regarding their continous reporting that I am deceased on my credit reports- XXXX and XXXX for over XXXX years ( Accounts # XXXX and # XXXX ). Their actions have destroyed my ability to even get the most basic credit and have cost me credit cards, an auto loan and a house loan.. ( All information regarding this complaint attached ). I received a phone voice message from XXXX at XXXX several days later that encouraged me to call her ( XXXX ex. XXXX ) to ask questions, discuss the problem and fill me in on their progress. Unfortunately when I returned her call she refused to provide me with any updates nor even answers to basic questions as to what the status of this incorrected report accounts are nor when they might ever reach a decision to do something about it. Even after I requested a supervisor, her employee number and/or a mailing address to file a direct company complaint, she rudely told me she could give me no information nor even acknowledge that I was who I claimed to be even though I had all the information to prove who I said I was. It is due to these circumstances that I am again filing a complaint against Chase Bank Credit Card XXXX since it is clear that they have no plans to correct the misreporting thay have made on my credit report and they clearly look upon these CFPB complaints as nothing more that a nuisance that they don't have to take serious and therefore simply go through the motions or provide lip service to the CFPB without actually moving to clear up problems they have created.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  have violated my privacy rights as a consumer. 

I have a right to privacy 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX has not updated the credit bureau with my new balance. 
The still show {$10000.00} and my actual balance is {$53.00} and those purchases was made today. My statement balance was {$0.00}. I contacted them several times via email. This was their final response on XX/XX/2023. 
" I'm sorry about this. We temporarily stopped reporting account updates to credit bureaus while we updated our technology because we didn't ' want inaccurate information going out. I'm sorry for any inconvenience and your frustration. The credit bureaus will begin to receive and report updated account information during the month of XXXX. 
We recognize that you've recently made a payment, your payment should reflect in your credit bureau report within 30 days of the payment date. 
We apologize for any inconvenience and appreciate your patience. '' Apple Credit Card the same thing, credit bureau not updated with new balance. They have {$6100.00} on my credit report when my statement reflects {$1500.00}. 
I contacted them also via email, was assured the credit bureau would be updated by XX/XX/2023. 
I have screen prints of conversations of both lenders.
Product: Credit reporting or other personal consumer reports

Provided Experian with my drivers license, passport and SS card along with police report and FTC report showing these accounts are fraudulent and they are not mine. They are only using secondary bureaus to verify this information saying it belongs to me. Not once have they actually contacted the company to validate or clarify the information of whoever opened these accounts fraudulently. I have sent this to them over XXXX times asking for proof and validation and they have never supplied me with my material requests through all the letters I have sent in. Check CFPB documents I have sent and show me where any company has ever supplied me with my requested information to validate these accounts belonged to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX and XXXX 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.