23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

United Recovery Systems has been calling the home of my mother, XXXX, for some time. My mother who is an older XXXX woman has told them that I no longer live there. XXXX XXXX separate occasions, XXXX was XXXX/XXXX/15 and another time, on XXXX/XXXX/15, they ( the company ) has proceeded to harass my mother and ask her who will pay this money to them. They have also told her in detail what my debt is. I asked my mother what she told them and she has said that I do n't live with her. She did not inquire about how much I owe but was told my personal information anyway. I believe this practice is very unprofessional, unethical and against the law. I am very disturbed by this situation, as my mother being XXXX and now diagnosed with XXXX does not need the stress of knowing my financial situation. I am requesting that United Recovery system cease calling my mother 's home where I do not reside.
Product: Debt collection

I have received repetitive telephone calls to my home phone from XXXX. The caller states their name followed by " this line is recorded. '' I immediately interrupt the caller and tell them they do not have my permission to record the phone call, nor will they ever have my permission.. The callers continue talking anyway. I advise the callers they are in violation of XXXX wiretap laws by continuing to talk. The callers still continue to talk. I hang up. 

I have received calls from this number 5 times in the last 10 days. XXXX at XXXX, XXXX at XXXX, XXXX at XXXX, XXXX at XXXX, XXXX at XXXX. 

I am not the person the caller 's are asking for. I live alone. 

A google search reveals the following for the above listed telephone number.Law offices of Frederick J Hanna and Associates.XXXX, XXXX , XXXX.XXXX.XXXX. I do not know if business information is accurate. Please verify. 

I hearby authorize the Bureau of Consumer Financial Protection to file criminal and or civil charges against both the individual callers as well as the business ( whoever the business is ) for harassment and violation of XXXX wiretap laws.
Product: Debt collection

Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by AFNI, Inc. refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. 
This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( 10 ) ten business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XX/XX/2015 for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. 
The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX TRANSUNION was never late! I have had exceptional payment history 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 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. 


XXXX XXXX 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 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: Vehicle loan or lease

Last year in XX/XX/XXXX I moved from XXXX XXXX to XXXX  I registered my car motor vehicle department ask me the title for the car ask my Nissan motor company to send a title to the XXXX   Vehicle Department so that they can register my car and that time in XX/XX/XXXX they said they have sent the document to the motor vehicle department of XXXX my car was registered on these terms I will be providing them the title. 
As in XX/XX/XXXX my registration got suspended. it was not renewed because of the title which I ask Nissan to send them one year before in XX/XX/XXXX I called Nissan in  XX/XX/XXXX and ask about the title and they said they going to send it right now so after 1 and 1/2 month and after everyday I call them everyday a new customer care person comes in and he starts a new filing for the sending title and after all that after 1 and 1/2 months they said that I should go to XXXX XXXX DMV to get the title after wasting my time for more about like one and a half month they told me to go to DMV New York when my car was not registered I am doing XXXX and XXXX for that reason that I wasn't going to the job I got job less I asked to send me the extension documents so I can have payment extension for these two months send me the extension documents of the payment and I send them back and they accepted the extension payment besides giving extension they also inform the XXXX   XXXX about my late statement anyhow I call XXXX  and filed a dispute for the information correction. Today I got the result from experience and they put my 3 months as a late payment so I have been in this regard this the same situation happened last year and I file a dispute and they were not able to unless I I filed a complaint in cfpb they were able to resolve my case and but still they put one month on my head so same thing they are doing now has me in this regard as its resulting financial crisis and I am unable to do the job and pay my rent and other bills because of the lowest score I am getting loan from XXXX XXXX and it's resulting in the hard inquiries on my credit report i am living with my XXXX kids and wife and got to situation of eviction when we were not having any place to live i am in worst condition of my life because of only nissan playing with my life you guys are only the hope for me i am looking forward for help from you to settle all this addition to that i am also filling a suit against Nissan in district court which brought me to worst financial crises of my life.
Product: Debt collection

These are bills that were from having XXXX take me to the hospital and for treatment of my back. This happened more than once as seen by the differant dates. I was found to be XXXX with XXXX and was put on XXXX XXXX/XXXX/2011. I recieved medicaid at that time. I also filled out a financial hardship form from the hospital that promised to pay most if not all of the bills. I submited the bills to medicaid too. They were suppose to pay bills up to two years before I was put on medicaid.
Product: Credit card or prepaid card

I paid {$6000.00} to XXXX XXXX XXXX XXXX XXXX to repair my car on X/XX/2017. using my Discover Credit card check ( # XXXX ), Two weeks before i went to go pick up my car, I told the owner i will be coming to get my car and he said okay. When the time came, he did n't pick up his phone after I tried calling him many times and when i went to his shop, it was closed. Later, I found out the owner of this place shut down the shop. I was able to retrieve my car from the towing company and found out my car was never repaired. I filed a dispute with Discover Credit card company in the amount of {$6000.00} ( claim # XXXX ) in regards to the mechanic not repairing my car. However, the Account manager refused this dispute because they stated it was a balance transfer so it does not qualify for a dispute.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I deposited {$1000.00} from my checking account with XXXX into Robinhood via the app. Two days later I made a purchase of bitcoin which cost {$980.00}. The same night I made an attempt to transfer the bitcoin onto another broker. Immediately, the transaction failed, as Robinhood claims. I attempted to make this transaction again, although I was certain that everything was done correctly the first time. Again, Robinhood claimed that the transaction failed. My account was restricted immediately. I have had an account with Robinhood for years, purchased XXXX, but Id never had this issue. Saddened and shocked, I attempted to contact Robinhood support. When I finally spoke with them they told me that I needed to answer security questions in order for the issue to be resolved. They asked a series of questions and for photos of my bank statements. I complied with them and emailed the information. Since emailing them ive been left in limbo with no answers, no access to my money, and no answers from anyone. In fact, the app says that I will receive an update about my account restrictions the following day but when that day comes, the app just moves the account update to the following date. This has been happening since XX/XX/XXXX. It is now XX/XX/2024. I am convinced that they have no intention of updating me or giving me access to my funds. I am restricted from withdrawing my money but conveniently I am still able to deposit money. I have a total of {$1000.00} being held by Robinhood.
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 porting 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 count under an open end consumer credit plan as late for any purpose
Product: Money transfer, virtual currency, or money service

On the XXXX of XXXX of XX/XX/XXXXPayPal closed my account for no reason and will not help me with getting it back. I am not sure if this is some mistake as I have been a costumer since XX/XX/XXXXand never had a problem. I have not been able to get help from them. But I found out that I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''
Product: Mortgage

Nationstar Mortgage has repeatedly given me the same point of contact who never returns calls who is XXXX XXXX. I have yet to be able to speak to him regarding my Hamp 1 offer. Also, they have ingnored my right to appeal and meanwhile I am accruing interest on the loan I can not afford at 10. 5 percent interest only. I want to keep my home of 20 years as primary residence but they continuously make a ridiculous payment offer for me that exceeds XXXX percent debt ration. I am requesting a lower interest rate than 3.5 percent and a 40 year fixed payment including escrow on the loan amount of XXXX and waive the XXXX in interest while they have intentionally denied my requests to get payment below 600 month and waive the interest. In addition, they refuse to send my refund check out to me for excess escrow in 2010 of almost XXXX dollars. I get the run a round every time I ask for it. They have incorrectly calculated my debt as I told them due to medical reasons I got behind and that I am not paying any debt on the credit report but they refuse to manually underwrite the loan as I request and keep trying to qualify me on the automatic payment of XXXX which my income is less than XXXX per month. I am requesting them to lower the interest rate to 2 percent and recalculate my modification offer to get the payment lower as the insurance lowered to half that but yet they did not recalculate the payment offer. 
My loan number is XXXX. I feel they are intentionally making it difficult to keep my home. Please assist me in my modification process, returning my escrow to me they should not be keeping as it is overage, and reducing the accrued XXXX in interest while they intentionally make it difficult to get the Hamp 1 modification. Also, in requesting a new loan single point of contact as I feel I am being discriminated against because of my age and race. This is a interest only ARM and I was not explained how that loan is calculated by anyone when I received the loan approval. Thank you,
Product: Credit reporting or other personal consumer reports

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 are reporting transactions or experiences on any of my consumer report ( s ). Per 15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Credit reporting, credit repair services, or other personal consumer reports

Last month, my wife and I applied for a loan for solar panels. We were shocked when we were denied this loan ; after checking my credit report, I saw that my normal near-850 XXXX XXXX had dropped to the XXXX and that there was something showing that I had been sent to collections and had failed to pay this debt. I always pay my debts and was completely unaware of this. No one has made any attempt to collect this debt ; I don't even have any idea what it is for. I immediately reported this as fraudulent to XXXX. About a week later, I received notice that my dispute had been completed and that the creditor ( Foster and Monroe, LLC ) certified that the information is correct. I called XXXX and asked what proof was provided, because I am very interested to know what this is for. The representative stated that no proof had been provided ; instead, she stated that this company did their own investigation and they this is a valid charge. She recommended that I open another dispute. I did this. Two weeks later, I learned that this company continues to state that the information is correct. Again, no documentation is provided. I don't see how this is legally allowed ; how is a company allowed to simply state that the information is correct without proving it? I have no idea what this is ; the company has not returned my phone calls. This continues to plague my credit.
Product: Debt collection

Account is not mine, I did not pay or have a collection balance with XXXX, I have current service and always pay on time. This is unverifiable and inaccurate data
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 9, 10 and 11 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In response of my first complain to Transunion about XXXX XXXX on the XX/XX/2020. 

On the XX/XX/2020 I called Transunion in response of their statement they made about my current mailing adress. I spook with 2 representative and finaly with their supervisor. The first representative told me that my current mailing adress is well updated, but he transfer me to the fraud department, the fraud department representative told me she couldnt pull up my account, she transfer me to her supervisor. This supervisor pull up my account and she told me that everything with my account is allready updated and that every thing is ok with my account, once again I ask her about my current mailing adress and she repeat that my adress has been always been in my transunion report, that she dont understand why on my CFBP complain Transunion stated that they dont have my current mailing adress. WELL THIS IS THE KIND OF SITUATION I HAVE BEEN DEALING WITH WHEN MAKING DISPUTES WITH TRANSUNION, NAMED AS FALSE STATEMENTS, MISLEADING AND ERRONEOUS INFORMATIONS, TRANSFER FROM ONE DEPARTMENT TO ANOTHER. I WILL KEEP AN OPEN EYE ON TRANSUNION AND START TAKING LEGAL ACTION IN LOCAL DISTRICT COURTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not able to pay on time due to my husband being XXXX XXXXXXXX after a work accident. Then Covid happened and I was still not able to pay the balance due to my hardships. Then I finally saved enough to pay the balance and Target told me if I paid they would delete it off my records. After paying they are not agreeing to what they had said that if paid in full they would delete it.
Product: Credit reporting or other personal consumer reports

I had an account through XXXX that went to collections during COVID. I paid it all off with my last payment posting to the XXXX account on XX/XX/2021 for {$170.00}, but Experian had it updated on XX/XX/2021 and nothing after. They DO have the last payment that they claim, which corresponds as my last payment PRIOR to my XX/XX/XXXX payment as XX/XX/2021. I have gone through 3 Dispute processes with Experian and all three have been rejected. I called XXXX the last time to get more documentation. I got a PDF and they are also mailing me proof that my account is in fact paid in full, but Experian claims that they called XXXX and XXXX  claimed I haven't paid it, which makes no sense because my account shows that I paid ALL of my accounts off and that I don't owe anything on this account or any other account with them and the person I talked to confirmed this and so does my account online. I will also be doing a claim for XXXX also.
Product: Credit reporting or other personal consumer reports

I RECENTLY DISCOVERED MY INFORMATION HAS BEEN INVOLVED IN A XXXX XXXX AND HAS BEEN FOUND ON THE DARK PRODUCING FRAUDULENT APPLICATIONS THAT MAY HAVE BEEN SUBMITTED IN MY NAME OR MY IDENTITY WHICH HAS BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. I HAVE GIVEN MY SIGNATURE NOR CONSENT FOR MY PERSONAL INFORMATION TO BE SHARED OR SOLD TO THESE ENTITIES LISTED AND ARE VIOLATION OF FCRA SEC 604b. 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 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: Checking or savings account

I have called in multiple times from the same cell phone number over the last 30 days and have spent hours and hours speaking to representatives. The list would be extensive, but the company should have a list with recordings, and I can pull my phone log if needed. In the middle of XXXX, the recurring disbursements stopped. I had to call in multiple times after my XX/XX/XXXX paycheck and was told multiple times that it was being " processed '' despite not seeing anything in " pending status. '' Every time I called, I was told XXXX business days and on XX/XX/XXXX, I finally received reimbursement for my XXXX XXXX  expenses. This was almost a full bi-weekly pay cycle when it was only supposed to be XXXX business days. I was paid again on XX/XX/XXXX and again I was not reimbursed despite multiple phone calls. I was paid again on XX/XX/XXXX with pre-tax dollars withheld through deduction and still have not been reimbursed for either XXXX paychecks ( it is now XX/XX/XXXX ). Despite having pre-tax dollars withheld and a recurring disbursement form signed by the license daycare ( the reimbursement is less than half of what I actually pay due to IRS limits ), I have still had to pay my child 's provider since this has nothing to do with her. XXXX XXXX is keeping my money and doesn't seem to want to give it back.
Product: Money transfer, virtual currency, or money service

Our Company XXXX XXXX XXXX XXXX is working in the XXXX XXXX for major XXXX XXXX XXXX XXXX. We found the one biggest supplier in XXXX, the company XXXX XXXX XXXX XXXX. 

An agreement contract for trial order was signed and the deal was to sent XXXX XXXX $ as commitment deposit to start the production. 

In the invoice sent by the seller, he asked us to send the deposit commitment to the account branch in Wells Fargo Bank in XXXX XXXX. This deposit was sent the XXXX XX/XX/2021. 
After the reception of the commitment deposit, the Sales Manager didn't answer to us. So after so many researches, we found that it's a scam. This guy used a fake personal identity. Moreover he XXXX  and uses very accurate informations about the real company in XXXX : stamp, licence number, real name of directors, XXXX XXXX licence, inner photos of the slaughterhouse... 

We started different procedures to refund the money and to know the real name of this scammer. 

We sent a report fraud to FBI ( XXXXC3 ), Federal Trade Commission, Internet Provider ( fraud is confirmed and website is suspended ). 

And of course, we contacted Wells Fargo Bank to cancel the transaction. This one is absolutely not helpful and now the bank refuses to give us the real identity of the owner of the account! Even the fraud is completely confirmed.
Product: Credit reporting or other personal consumer reports

I have been scammed and I had fraud charges on my bank account with Us Bank. I disputed charges as fraud, US bank credited my account but later recharged amounts again. Us Bank did not protect my account from fraud charges, Us Bank charged me for fraud charges and reported me as abuse. 
Provide evidence of abuse, provide evidence of charges made by me, otherwise delete this information from my credit report
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX  XXXX XXXX XX/XX/XXXX {$750.00} XXXX  XXXX XXXX XX/XX/XXXX {$750.00} EQUIFAX= XXXX XXXX XXXX XX/XX/XXXX {$750.00} XXXX XXXXXXXX XXXX XX/XX/XXXX {$680.00} EXPERIAN= XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX {$9900.00} EQUIFAX= XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$9900.00}