23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and saw some fraudulent things. I called the credit bureaus and filed a police report.I sent the report to the bureaus and received only few results. Experian sent a letter and said they couldn't verify me and pretty much rejected my police report. Also everytime I call them they disconnect my call. I understand that they are in the business of making money with selling consumers information and even making billions on the stock market with our information without our consent. This isn't cool these fraudulent activities are ruining my credit score and that is holding me from making progress with my life. Please help me with all of these issues. ( Experian )XX/XX/XXXX XXXX XXXX XXXX XXXX {$0.00} # XXXX  this account is NOT mine. XX/XX/XXXX XXXX XXXX XXXX {$1400.00} # XXXX  this account is NOT mine. XX/XX/XXXX XXXX  {$790.00} # XXXX  this account is NOT mine. Inquiries XX/XX/XXXX XXXX XXXX XXXX NOT mine, XX/XX/XXXXXXXX XXXX XXXX, NOT mine, XX/XX/XXXXEXPERIAN BUSINESS CRED, NOT mine. ( XXXX  ) XX/XX/XXXX XXXX XXXX XXXX  {$790.00} # XX/XX/XXXXthis account is NOT mine. XX/XX/XXXX XXXX {$0.00} # XXXX  this account is NOT mine. ( XXXX  )XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} # XXXX  this account is NOT mine.XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$1400.00} # XXXX  this account is NOT mine. Inquiries : XX/XX/XXXX XXXX  NOT mine, XXXX XXXX XXXX XXXX /XX/XX/XXXX NOT mine, XXXX XXXX XXXX XX/XX/XXXX NOT mine, XXXX XXXX XXXX XXXX /XX/XX/XXXX Not mine. These accounts are NOT mine and the credit reporting companies listed above is continuously allowing creditors to violate my rights. PLEASE HELP ME WITH THESE ISSUES.
Product: Credit reporting, credit repair services, or other personal consumer reports

T his reporting agency is reporting inaccuracies on my credit report. They are reporting a bankruptcy that IS NOT MINES! I have sent XXXX  SEVERAL dispute request as well as filed phone disputes. I have been lied to on several occasions stating that an investigation to VALIDATE the bankruptcy has been done, but NO documentation has been provided to me where XXXX has received validation from the the courts. Ive provided documentation from the bankruptcy court as well as XXXX who they utilize as a data furnisher proving that it is not mine and they are refusing to remove it. I spoke with a supervisor today who informed me that they will not remove it even after providing the appropriate documentation from THEIR DATA FURNISHER investigation deleting the record ( not mines ) as well as documentation received from the courts. I was also informed on the same call that they dont Request get validation of debt documentation from the court which is an outrage. So I was basically told that the debt can not be validated but they will still report it! Ive scheduled several callbacks for a supervisor, but that has not worked out asthey were supposed to call me months ago and I have yet to receive a callback! They are just doing what they want to do and this is an outrage! All supporting documentation has been sent and they are still refusing to remove the inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested proof of their decision after my dispute with in the same letter that was mailed to Equifax via certified mail return receipt requested article number XXXX XXXX XXXX XXXX XXXX mailed XX/XX/XXXX and signed for by Equifax XX/XX/XXXX. 
Under the FCRA 611 ( A ) ( 7 ) which provides Equifax to provide proof of their verification after the dispute, I allowed 30 days after the dispute. Then I allowed the 15 days for the Method of Verification under 611 ( A ) ( 7 ). 
Equifax is in blatant violation of the FCRA for failing to provide proof. 
I plead with CFPB to have Equifax to provide me proof in writing as required under FCRA 611 ( A ) ( 7 ) not just state they investigated after receiving my dispute and that they verified which is not enough under the FCRA 611 ( A ) ( 7 ). 
In addition I also sent communications certified mail return receipt requested regarding proof article number XXXX XXXX XXXX XXXX XXXX Equifax signed for XX/XX/XXXX Equifax provided nothing and another article number XXXX XXXX XXXX XXXX XXXX which was also signed for by Equifax on XX/XX/XXXX. I am keeping careful record regarding every step I take just in case I continue being treated so badly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a customer of XXXX for over two decades. 

I had alwasy used my own credit cards. 

I was recently offered a XXXX credit card which turned out to be offered from XXXX XXXX. The offer claimed there would NOT be a HARD ENQUIRY. 

Because of this, I accepted the offer and received a Card. 

However, I found out later that my credit file showed this as a HARD ENQUIRY, thereby adversely affecting my credit score.
Product: Credit reporting or other personal consumer reports

There is an account being reported under my name inaccurately and is misinformation given to the credit reporting bureaus by the debt collection company, Portfolio Recovery Associates. 

This item has previously been deleted from my credit report but they have just started reported it again after going back and forth multiple times with the credi reporting bureaus as well as the creditor, Portfolio Recovery Associates. 

I have explained to them that if they can not provide me with validation of this debt to prove it is mine, then the must have it deleted from my credit report. 

This specific account, which is listed below, had been deleted for months now until they decided to report it again unlawfully. 


PORTFOLIO RECOV ASSOC XXXX {$1200.00} XX/XX/2023 2023
Product: Credit reporting or other personal consumer reports

I find myself in a perplexing situation where I have followed every instruction provided by your bureau, yet my legitimate claim is met with rejection. My journey through this harrowing experience of identity theft has been nothing short of a nightmare. Every step I have taken, every document I have submitted, and every report I have filed with law enforcement agencies has been executed meticulously and in strict accordance with your instructions. However, instead of the support, guidance, and swift action that I expected to receive, I have encountered repeated roadblocks and the disheartening message that my identity theft claim is not valid. Here are the accounts that needs to be removed from my credit file : XXXX XXXX XXXX XXXXXXXX XXXX. Please delete this account ASAP. I also want these inquiries to be removed immediately : XXXX XXXX XXXX XXXX XXXX, 2023, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XX/XX/2023.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED, THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS ( FCRA ). Phoenix Financial Services, LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), and 15 usc 1681e ( b ).
Product: Mortgage

I received Annual escrow disclosure statement, I am not able to understand it is the payment changing in the month of XX/XX/2025 is it going to be {$2800.00}? 

Please see attached
Product: Debt collection

This complaint is in reference to a complaint with this same company, Central Portfolio Control Inc on that was file on XXXX XXXX case # XXXX. In that incident, ( see attached ) I went into great detail of the ongoing harassment of text messages, phone calls and communication attempts this company had made to my personal cell phone looking for a person named XXXX XXXX. In that complaint, I explained fully the many attempts I tried to stop the calls myself that continued. I finally had to file the report mentioned above. On XX/XX/XXXX the company responded to the your agency that they would cease any further communication. On XX/XX/XXXX @ XXXX XXXX, AGAIN, I received another text message ( see attached ) from Central Portfolio Control Inc, a collection agency to my same cell phone, XXXX that has been on the national Do Not Call registry since XX/XX/XXXX that read, Hi XXXX XXXX, this is Central Portfolio Inc. please contact our office @ then with an email as well This is outrageous!! I called the number, XXXX and spoke with a male representative. I informed him of my concern but he just said Ill remove your number. I ask about doing something more as this is an ongoing problem. Representative just hung up the phone. I called the center office and asked to speak with a person named XXXX XXXX @ XXXX. I was transferred to her line. I did speak with XXXX about that past complaint which was able to bring up and about this most recent issue. XXXX could see my phone number was removed back in XX/XX/XXXX as to that complaint and just again this today, this morning in my call. I informed XXXX this is unacceptable and I further informed her I would file this complaint as well as a lawyer who works with the department of consumer affairs, XXXX XXXX. She wanted his name and phone number which I gave her. This company is constantly violating my rights to collect a debit by harassing me over and over, trying to contact a person Name XXXX XXXX whom I dont know or ever met. This is one of many attempts by this company to continue to harass, intimidate, call and violate the national do not call registry Im on, even after being informed by the department of consumer affairs in prior complaint mentioned above. Again as a now retired law enforcement officer, both state , county and federal agencies, my personal information is paramount to my safety and security of my family. At this time, Im asking for some kind of compensation from this company as well as the this agency applying any fines or sanctions against Central portfolio to stop this harassment
Product: Money transfer, virtual currency, or money service

I am writing to file a complaint against Venmo, a peer-to-peer payment service owned by PayPal. Despite my efforts to resolve the issue amicably, Venmo has refused to release my funds, citing their User Agreement. 

Details of the issue : - Date of transaction : XX/XX/year> XXXXXXXX XXXX - Amount : {$1000.00} - Transaction ID : XXXX - Reason for hold : No certain reason. 

The delay in accessing my funds has caused significant hardship for my family, particularly my son. He is currently facing difficulties in school due to the financial strain caused by Venmo 's actions. As a result, he is at risk of falling behind academically and emotionally. 

I have tried to contact Venmo 's customer support multiple times, but they have refused to provide a satisfactory explanation for the hold or release my funds. I believe this is an unfair and unreasonable practice, and I request your assistance in resolving this matter. 

I would appreciate it if you could look into this matter and help me recover my funds. Please let me know if there's any additional information you need from me to facilitate the investigation. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX Account number : XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

I was behind on my mortgage for two years and trying to get my loan motified. 
and yes they lowered the interest to my loan but they put into my org. loan all the back interest, taxes, lawyer fees and all different kinds of fees. 
and XXXX that i owned was {$120000.00}. it jumped to {$140000.00}. 
was in shocked to see that i payed 10 years of my mortgage and now i have to start again from square one. So i asked myself where is the help. you lower the interest but added 10 years more into my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

victim of identity theft and fraud and demand these accounts to be removed from my credit today. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

FINANCIAL SOLUTIONS PROVIDERS out of XXXX Florida have been calling me repeatedly at work and on my cell after theyve been told to stop several times. They leave intimidating and threatening Voicemails saying my wages will be garnished soon etc. Ive talked to more than one person from here and all have been very unprofessional. They called my work several times and this last time the head of HR told them not to call back. They even called my place of Employment to file a complaint against me for using racial slurs against them. IMO if youre calling to harass me and my place of work everyday after being asked to stop Im not gon na be nice for long. Its always the same Guy who calls his name is XXXX XXXX but today XX/XX/XXXX he left a voicemail claiming he was a Mr XXXX XXXX .... but it was clearly Mr XXXX. When I called him out on it he hung up on me. I called them back and he answers as Mr XXXX XXXX lol. Another time when I called a woman there pretended to be with the XXXX Sherrifs Department. I called another time and a XXXX who claimed to be the Manager said he was going to file a complaint against me with the sherrifs Department for calling them 48 times and using racial slurs. The one time I did call them probably 20 times or just under but certainly not 48. Again, if youre gon na harass me Im gon na harass you. I was conned by a Dealership, whom the owner was who sold me the car was sued for over 100,000 for lying. It was a XXXX XXXX XXXX for {$9900.00} which I paid paid over 5,000 on. The thing was a total lemon, and the Dealer refused to fix it. I could not afford to fix it plus pay a XXXX a car payment, I told them to come get it. The Vehicle only sold for {$1500.00} at Auction and needed that much in Repairs.  Its beyond hilarious that they expect me to pay the difference so somewhere around XXXX. The XXXX was never worth XXXX to begin with and according to XXXX XXXX XXXX it should certainly be worth more than 1,500 even in bad shape. So the fact thats all they were able to get for it says a lot, like its a piece of XXXX in need of multiple repairs. I hope these XXXX  file to garnish my wages, the way these XXXX debt collectors have acted, plus the scam of a Dealership it came from I feel pretty confident.
Product: Money transfer, virtual currency, or money service

hello my i am a american citizen living in XXXX i am XXXX and recive my ssa through direct deposit to XXXX here thats routes it thro bny mellon my complaint is about the econaomic impact payment 3rd round the first 2 payments deposited into the account just fine however the 3rd that was due to be deposited the XXXX of XXXX was sent back and now i am waiting for a paper check due to be sent out the XXXX of XXXX and irs represenitive from irs is telling me it takes 9 weeks to get and i can not cash here due to my us dollar account is incoming electronic deposits only my bank is telling me i have to open a us dollar account and processing to cash the check will take 2 months not to mention i have to have XXXX dollars to open the account to cash it the whole ordeal has dug me even a deeper hole not to mention i have XXXX kids born abroad i am not getting impact payments for at all because i havent been able to file certificate of birth abroad to get a social security number because embassy here has been closed due to pandimic i get no benifits of rest of relif package because i dont live in usa food costs have shot thro roof here i was even evicted from my home and forced to move to small bachalors apt with XXXX children and barly room for my things this whole experiance has been a nightmare and i am forgotten and overlooked by my goverment i worked so hard for and became XXXX in service of unreal thank u but no thank u i live abroad because i cant afford to live in states and now cant afford to live here either
Product: Vehicle loan or lease

Good day, I purchased a XXXX BMW in XXXX XXXX, along with an extended warranty, I Traded the vehicle in less than four ( 4 ) months XX/XX/XXXX and was told I would be refunded for the extended warranty I purchased at about {$6500.00}, after 8 months of calling and re-submitting the request, I was told that BMW does not refund the warranty when a vehicle is traded in.. I was flabbergasted... well to make matters worse, did not like the XXXX BMW XXXX I purchased and ended trading it in on XXXX XXXX for a new XXXX well the dealer I went to never heard of such a thing, and attempted to contact BMW XXXX XXXX where I purchased the two cars, and got nothing but a run around, and the calls going straight to Voice Mail , additionally they had placed a notation on my record at the dealer to not speak with me. I now have paid to two warranties that I will never use. Can something be done to help get my money back? In my Opinion BMW of XXXX are practicing UDAAP. I have lost about {$11000.00}. 
Regards, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian, for the third time is reporting that my account is closed and in dispute. That is in fact a lie. I believe that Experian has employees that are manually going in each and every time they can to lie. I believe that Experian higher ups are not monitoring this. This is the third time that Ive disputed this particular account. The other Credit Bureaus XXXX XXXX and XXXX are reporting the account correctly and that Ive never had it in dispute. It is only Experian XXXX reporting such false info. This is my third complaint through the consumer financial protection bureau about Experian. Experian updated the account on XX/XX/23 showing that the account is active and had no balance and then on XX/XX/23 they report the account again with the current status which states, The account is closed and is in dispute. 

I hope that Experian is monitored by the consumer financial protection bureau to find out just how many others are being affected like this. I can not believe that I am the only person that has spiteful and really XXXX people with absolutely no life that are working for Experian hassling people like me. Those people need to be sued. And may just be they one to sue them Experian needs to be sued, too! Those people at Experian have no life! Its obvious! Theyre about as XXXX as it gets. And they know it! 

Additionally, I figured the Experian XXXX. If I find any more irregularities, I will complain again, again and again. This entertains me! 

Lastly, I recommend anyone and everyone that has irregularities on their credit bureau report to report them to the consumer financial protection bureau and monitored their report by the day. This is the only way that those XXXX and XXXX XXXX at Experian will understand that I will make it one of my missions to deal with them and win unlike them XXXX lollllllllllll
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX 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 in 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 21 days before the payment due date. 


XXXX XXXX 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: Debt collection

I have sent this letter to National Recovery, Under the Fair Debt collection Practices Act ( FDCPA ), I am requesting proof that there is some contractual obligation that is binding on me to pay the following debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION as to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 
If any negative mark is found or continues to report on any of my credit reports ( including XXXX, XXXX and XXXX ) by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act. 
If your offices can provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that can be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a count venue local to me, since you are clearly doing business in my area.

For the purposes of 15 USC 1692 et seq., this notice has the same effect as a dispute to the validity of the alleged debt and dispute to the validity of your claims.