23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

National Recovery Agency XXXX, PA XXXX This company posted debt on my credit score without once contacting they have been damaging my credit for years without me knowing I always check my credit score on XXXX XXXX and they never showed me today I checked my credit on XXXX  and theres this debt thats up for collection I have no way to describe my feelings about this I always paid my bills on time and I have XXXX debt on me I think this company is a fraud as it says on their reviews almost everyone on their XXXX reviews is complaining about them.
Product: Credit reporting or other personal consumer reports

I disputed LATE PAYMENTS ON TWO Credit card ACCOUNTS with XXXX XXXX  with the credit reporting agencies in an attempt to get my credit report corrected and updated. They disputed the entire account as fraud, without my knowledge or authorization which resulted in two accounts with 12+ years of history combined being closed. This is DETRIMENTAL to my credit report / profile and is going to negatively impact my ability to buy a home, which I have just recently started the process. I sent a letter into the credit card company with 3 separate forms of identification, as well as 2 separate statements for each credit card account from my previous address as well as my current address and there has been no resolution. The credit reporting agencies need to rectify this issue by withdrawing the initial disputes that were submitted inaccurately and negligently and make note to the credit card company these accounts MUST be reopened immediately.
Product: Debt collection

XXXX XXXX XXXX began contacting family members of mine who I have not spoken to in years and who do not live anywhere near me in XXXX of XXXX about a debt. They claimed that I was facing serious legal repercussions and threats of court if the family member did not have us contact XXXX XXXX right away. 
After contacting them and asking them repeatedly not to call they stated this was for a debt incurred over 6 years ago through HSBC. I asked them to send written proof of the debt to me in the mail, which I have yet to receive ( I requested this over a month ago ). 
About a week passed and they called again threatening to take everything I own, including my truck. They said the debt was a credit card through HSBC. I once more asked for written proof, which they demanded that they sent to me. They then emailed me a settlement form and said if I did n't sign it in within a few days that they would come and take my truck. 
I called HSBC and they had no record of this debt, nor is the debt appearing on my credit report. I asked XXXX XXXX XXXX about this and they claimed that it wo n't be on my credit report because they just purchased the debt? 
They continue to call and harass me and my distant family members demanding that this {$300.00} debt be paid in full.
Product: Debt collection

ON XX/XX/XXXX, I PAID A TIME BARRED DEBT TO XXXX XXXX. 
THE DATE OF FIRST DELINQUENCY WAS XX/XX/XXXX AND SHOULD HAVE CORRECTLY CHARGED OFF IN XXXX. 
THE COMPANY WHEN CONTACTED WANTED {$360.00} FOR THE {$170.00} DEBT CHARGED OFF IN XXXX. I PAID THEM {$260.00}, WHICH INCLUDES AN XXXX DOLLAR CHARGE ( " XXXX XXXX XXXX '' ) FOR PAYING THE {$170.00} DOLLARS I OWED FOR THEIR JUNK MERCHANDISE ( JEWELRY THAT HAS NO APPRAISAL VALUE FOR INSURANCE BECAUSE IT IS JUNK QUALITY, ) .THE XXXX FDCPA MAKES " XXXX XXXX '' FEES ILLEGAL. 
THE ENTIRE BUSINESS IS A CREDIT SCAM DESIGNED TO ENTICE YOUNG UNKNOWLEDGEABLE INTO FINANCING JUNK JEWELRY FOR THEIR SIGNIFICANT OTHERS..SINCE CREDIT-WORTHINESS HAS LITTLE TO DO WITH THE SALE THESE SOPHISTICATED CREDIT CRIMINALS ARE FOCUSED ON THE CREDIT FRAUD PART OF THEIR BUSINESS.THEY KNOW THE LAWS THEY VIOLATE YET THE ENTIRE BUSINESS IS BASED ON GREED FRAUD AND DECEPTION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  are reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX partial account numbers XXXX. ( Please see page attached from my credit report showing the multiple accounts along with a spreadsheet for reference. ) First, all of these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an XXXX. These accounts should be coded as an XXXX. I have contacted the bureaus and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding. This false reporting of lates is seriously harming my credit score and all of these line items need to be removed from my credit report. I have contacted the bureau to remove these however, I have not been successful.
Product: Money transfer, virtual currency, or money service

I have lost all my savings mounting to close XXXX XXXX dollars including taxes thru a scam. This happened thru 10 international and 9 domestic wire transfers and XXXX XXXX transactions. Money was wired/withdrawn thru local banks in XXXX and XXXX, MD between XX/XX/XXXX and XX/XX/XXXX, when I went to XXXX XXXX police XXXX The Consumerfinance instructions were to file one report which I did under international wire transfers as it did not allow me to click on multiple actions. 

A number of federal agents were involved. On XX/XX/XXXX I received a phone call from Agent XXXX XXXX with federal batch XXXX using a secret line that {$120000.00} has been sent to XXXX and XXXX using an account with my SSN, and additional 6-7 accounts have been tried to open. As this was a case of identity theft, I shouldnt discuss it with anybody and be absolutely honest. Information had been forwarded to US Treasury Department. XXXX XXXX gave me his direct line XXXX. He forwarded me to XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX XXXX told me that my identity was compromised as there were now 5 different accounts under my SSN. Wire transfer totaling {$28000.00} that were never reported to IRS were now detected. Thus it was necessary to take actions to issue a new SSN. He offered me the Federal XXXX option outside the court that would offer me a new ID without interrogations and protracted court proceedings. Because of my SSN was used, I was now a defendant. XXXX. XXXX also gave me his direct line XXXX. He would call me back in 30 mins to give Treasury Departments report. 

In order to keep this investigation with Case ID XXXX open, I had to text him twice a day. I was a defendant in {$280000.00} money laundering case using the option XXXX by Federal Government. Before a new SSN could be issued they have to clear my accounts through wire transfers and XXXX actions. At the completion I was supposed to get my money plus 10 % back ( 15 % on IRAs ), no tax consequences and a special 0 % mortgage. This was to compensate losses resulting from keeping my money off markets. 

On XX/XX/XXXX XXXX XXXX instructed me thru the first wire transfer and told that XX/XX/XXXX XXXX Department will put a note on my SSN that nothing could be done using that SSN. On XX/XX/XXXX I was referred to XXXX XXXX XXXX XXXX XXXX XXXX at the XXXX XXXX Department because my case was complicated. XXXX XXXX used text messages and phone calls to communicate with me until XX/XX/XXXX guiding me thru some 19 successful ( and a handful unsuccessful ) wire transfers and XXXX XXXX actions. I received occasional emails containing official letters from the Supreme Court, DC Attorney General and the Head of the Treasury Department. 

The XXXX XXXX to get my new SSN and checks of my money was scheduled on XX/XX/XXXX. I was to receive two people from the MD State Department who would show their IDs to have a meeting at my home. It never happened and I went to police.
Product: Money transfer, virtual currency, or money service

I switched cell phones and can not get into my coinbase account. Ive tried to contact the company and the two way authentication does not work. The company debits and removes money from my bank account each month but I can not get into my coinbase account and the company has been totally unresponsive. Ive gone through their process for complaints and I only get robot replies and I cant get into my account. This has been going on for months. I need to get into my account. Help. This company needs to be shut down.
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple car companies and credit cards
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within XXXX days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within XXXX days of receipt, as this has been ongoing for over XXXX months.
Product: Credit reporting or other personal consumer reports

Here is the updated letter with your address, company name, and todays date included : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute and Pre-Lawsuit Notification under FCRA and Related Consumer Protection Laws To Whom It May Concern : This letter serves as formal notice to dispute the inaccuracies and violations associated with my credit report as it pertains to your records and reporting activities. Below are the accounts, inquiries, and personal information discrepancies that must be rectified immediately : Disputed Accounts : XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX ( XXXX ) Personal Information Correction : My legal name is XXXX XXXX XXXX, not XXXX XXXX XXXX XXXX Kindly correct this error across your systems and reports. 

Hard Inquiries : Unauthorized hard inquiries on my credit report include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Service Soft Inquiries : Remove the approximately XXXX soft inquiries reflected on my report without authorization, including but not limited to : [ List as appropriate ]. 

Violations Cited : Your actions have violated the following provisions under the Fair Credit Reporting Act ( FCRA ) and other applicable laws : XXXX. FCRA Section 611 ( 15 U.S.C. 1681i ) : Failure to conduct a reasonable reinvestigation of disputed information. 
XXXX. FCRA Section 605 ( 15 U.S.C. 1681c ) : Reporting unauthorized inquiries. 
XXXX. FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Failure to maintain maximum possible accuracy in consumer reports. 
XXXX. FCRA Section 605B ( 15 U.S.C. 1681c-2 ) : Failure to block fraudulent or inaccurate information after receiving identity theft reports. 

Each instance of non-compliance and inaction constitutes a violation for which I am entitled to statutory damages of {$1000.00} per violation, as stipulated under federal law. 

Pre-Lawsuit Notice : If you fail to address these disputes and fully compensate me for damages related to the above violations, I will pursue legal remedies. I demand the following : XXXX. Immediate removal of the disputed accounts and inquiries. 
XXXX. Correction of all inaccuracies regarding my personal information. 
XXXX. Written confirmation that these actions have been taken within XXXX  days of receiving this notice. 

Failure to comply will result in legal action against your organization, seeking statutory damages, punitive damages, and attorney fees under FCRA and related laws. 

Evidence Provided : Attached are supporting documents, including copies of my ID, proof of address, and a highlighted credit report indicating errors. 

I expect written confirmation of receipt of this letter and resolution of these disputes within XXXX  days. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

Innovative Recovery continues to harass me by sending the same letter frequently. They should have verified and confirmed the validity of the debt. The original creditor, XXXX XXXX, went out of business years ago. The amount they are asking for is incorrect.
Product: Debt collection

This company is by far the worst company ever, they are very rude, not helpful, and causing stress to my already stressful life. I called this morning and I spoke with a rep. by the name of XXXX, she was so nasty and rude to me it was unbearable to even finish the conversation, she called me a liar and stated that they are not removing anything off of my credit. I explained to her that the item is incorrect and that it 's been removed off of my XXXX report, so why is it so hard for it to be removed XXXX, she told me that she doesnt have anything to do with that and does n't care and that her company will not be removing anything. I 'm very upset about this issue. I will be hiring an attorney and we will be pursing in a lawsuit against this company. I do n't want any more harassing phone calls about this debt that is n't mine. They have caused great harm and embarrassment, contacting family members, non-family members and my job. I 've asked them several times to not contact anybody in my family, job, etc. and they continue to do so.
Product: Credit reporting

An IRS lien was filed, released and withdrawn. Equifax has failed to remove it from my credit report, despite several written requests that included extensive documentation. Details are in the attached files.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 Radius Global Solution added a derogatory mark on my credit report per XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT AND SOMEONE HAS BEEN USING MY PERSONAL INFORMATION TO OBTAIN SERVICES AND GOODS USING MY IDENTITY, THEY HAVE ALSO BEEN PUTTING FRAUDULANT INQUIRES ON MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

I am filing this complaint to address repeated violations of the Fair Credit Reporting Act ( FCRA ) by XXXX as a fraud victim who had listed this with XXXX. My concerns include the following issues : 1. Blocking Credit Report Access and updates Behind a Paywall : XXXX has restricted my access to essential credit report features, including the ability to view or manage my credit freeze, without requiring a fee or subscription. Attempts to manage my credit freeze result in an error message stating : " Sorry, we're having trouble showing the status of your credit freeze right now. You can contact us during support hours via the live chat icon at the bottom of the screen, or by giving us a call at XXXX. '' This restriction violates FCRA requirements, which mandate free access to critical credit tools, including freezes and fraud alerts. This is recurring theme. 

2. Failure to Conduct Reasonable Investigations : XXXX has failed to conduct reasonable investigations into disputes I have submitted, despite providing supporting documentation. This lack of diligence violates FCRA 611 ( a ) ( 1 ), which requires a thorough review of disputed information. They block second disputes claiming unrelated first disputes are under investigation. The outcome virtually always leads to " meets FCRA requirements '' despite clear violations of creditors CDIA Metro2 compliance. CDIA Metro 2 is a standardized data reporting format created by the Consumer Data Industry Association ( CDIA ). 

3. Reinsertion of Deleted Inaccuracies : XXXX has reinserted previously removed inaccuracies into my credit report without notifying me as required under FCRA 611 ( a ) ( 5 ) ( B ). These inaccuracies misrepresent my creditworthiness and have caused financial harm. I've noticed this with former mortgage company reports and addresses that have been removed.

4. Confusing and Conflicting Communication : XXXX has issued unclear and conflicting communications regarding the status of dispute investigations. This lack of transparency obstructs my ability to resolve inaccuracies effectively. 

5. Reliance on Flawed Software or Automation : XXXX appears to rely on flawed software or automated processes to manage dispute investigations. This results in inaccurate, incomplete, or inconsistent findings, further undermining the integrity of my credit report. It appears to favor the creditors.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX, XXXX, XXXX , was never late! I have had exceptional payment history with XXXX XXXX XXXX, 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 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 those accounts 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. 


XXXX XXXX XXXX, 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 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: Money transfer, virtual currency, or money service

on XXXX XXXX, i went to TD bank branch to do wire transfer. i did the wire transfer. i was told the wire will be available by XXXX XXXX after XX/XX/XXXX, i contacted TD bank telling them the Recipient didn't get the money. i was told the bank will investigate. kept calling every few day and every time i get different message. about XXXX XXXX received call from TD bank stating the wire was returned due to recipient bank doesn't receive money in US Dollar. i told them i always send money to the same account using other banks and never had issue. i said okay when will the refund will be available in my account, they said 3-5 business day. until today i still didn't get the refund. i call 2 times a week. every time the bank say something different. first they said the wire on hold with the Recipient bank. i contacted the Recipient bank and they said they never received the wire. nothing in their system shows the wire was received or retuned or rejected. the Recipient bank did check and told me the wire in hold by XXXXXXXX XXXX in XXXX. i contacted TD bank and i said the wire in XXXXXXXX XXXX and they said ohh yeah XXXX XXXX  is our middle bank and we will investigate. since then nothing happened and every time i call, no information.
Product: Mortgage

I was told by Freedom Mortgage representative that my old mortgage was closed and she transferred my new loan to a different type of an account that I could still make payments to and provided me the new account information for XXXX XXXX. After a years time I refinanced our current home with my wife and their representative confirmed with a CFPB agent that my loan was paid in full with them. I am now currently in a legal judgement with the titling agency where they paid Freedom Mortgage after they contacted them and I am at risk of losing our current home as a XXXX veteran with XXXX children because of their misinformation provided on a recorded line.
Product: Debt collection

Im willing to pay {$1800.00} to Harris & Harris the collection company has refused to except my payment of {$1800.00} as paid in full regarding account number # XXXX. Its my understanding that the original debt with XXXX XXXX that the account has been sold to the collection company Harris & Harris which gives the collection company full authority to except my payment as payment in full. I spoke to Harris & Harris the collection company this week and was told they could not settle the account that XXXX XXXX wouldn't allow then and that i needed to contact XXXX XXXX. So i contacted XXXX XXXX in XXXX XXXX Nv and spoke to XXXX in billing and he told me that he would get ahold of suppervisor XXXX and see if he could except my {$1800.00} AS A PAYMENT IN FULL. I called back and was informed that XXXX XXXX could take payment as Harris & Harris had full authority over my account.
Product: Credit reporting or other personal consumer reports

This morning, I was stunned to find unfamiliar accounts on my credit report, with no clue as to why. I do regular credit checks, but this time, these errors appeared out of nowhere. I refreshed the page, hoping it was just a glitch, yet the inaccuracies stayed. I would appreciate it if the documents Ive sent are closely examined to prevent this from happening again, as its left me feeling quite unsettled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to inform you I was the victim of identity theft. I'm disputing the accounts as they were opened without my knowledge, consent or authority. I'm including the FTC report from the site identitytheft.gov. 

Please dispute the accounts. They were opened without my knowledge, authority or consent. 

XXXX XXXX XXXX & XXXX XXXX XXXX