23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Dear IQ Data International and XXXX, I am writing to dispute the validity and collection of the alleged debt associated with the above-referenced account, as well as its reporting on my credit file. While I acknowledge that proof of the debt with XXXX XXXX XXXX has been provided, the circumstances surrounding this debt render its collection and reporting invalid under Washington State and federal consumer protection laws. 

Legal Basis for Dispute Washington State Law ( RCW 59.18.650 ( 4 ) ( b ) ) : During the COVID-19 pandemic, I received financial assistance from XXXX XXXX to cover the majority of the rent owed to XXXX XXXX XXXXXXXX . Under Washington State law, landlords who accepted such funds were required to waive any remaining balance. The transfer of this debt to IQ Data International disregards these protections and violates tenants ' rights under state law. 

Assignment of Debt : While XXXX XXXXXXXX XXXX may have sold the account to IQ Data International, I did not agree to any relationship or contract with IQ Data International. The attempted collection of interest and fees on this account raises further legal concerns. 

Federal Fair Debt Collection Practices Act ( FDCPA, 15 U.S. Code 1692 ) : IQ Data International is prohibited from using deceptive or unfair collection practices. The continued reporting of this debt to credit bureaus without proper validation violates my rights under the FDCPA. Additionally, I have not been provided evidence of a clear transfer of this debt from XXXX XXXX XXXX to IQ Data International. 

Fair Credit Reporting Act ( FCRA, 15 U.S. Code 1681 ) : I am disputing the accuracy of this debt 's reporting to XXXX and other credit bureaus. As the debt arose under questionable circumstances during a protected period, its collection and reporting are not valid. 

Actions Demanded IQ Data International : Immediately cease all collection activities and remove this account from all credit bureaus. Provide written confirmation that this account has been closed and will no longer be pursued. 

XXXX : Remove this account from my credit report and confirm in writing that the deletion has been completed. 

Provide documentation from both IQ Data International and XXXX to demonstrate compliance with all applicable laws. Failure to comply will result in complaints filed with the Washington State Attorney General 's Office. 


Please respond to this dispute within 30 days of receipt as required under the FDCPA and FCRA. If the matter is not resolved to my satisfaction, I reserve the right to take further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

this message is for Transunion and XXXX. this is nothing against the XXXX companies. i had a couple of debts with XXXX in the past. they turned the debt over to a collections agency i am assuming in XXXX i got calls from different collections agencies saying they have taken over the debt. XXXX with was XXXX XXXX XXXX XXXX and another company calling from XXXX but whenever i called this number back it said it's no longer in service. the person who called me from that number was a female and said it was a debt owed to XXXX turned over to them on the XXXX then she said the XXXX of XXXX. so which is it? i have no clue. i think XXXX is trying to get money from me by any means necessary. i reported the XXXX company already. now im reporting XXXX again for the millioneth time about this stuff.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2021 I made a call to XXXX XXXX XXXX and explained to them that I had an incorrect late payment on my account. I was told it would be investigated and I would be notified by mail. Later XX/XX/2021 I received a letter informing me that " this account was reported as deleted for XXXX XXXX ''. I checked my report 30 days later and it was still there. I have tried for several months to get this removed form my account. This process has cause me to lose out on property, funds and caused a lot of frustration and destress. XXXX placed a 30 day late payment on my account and I have never been late. I bought a new car and in the process of the dealership transferring the payoff of the first cat to XXXX financial the communication between the two were lost. I was received 2 different contracts and the financial company said they only got one. I had to prove to them that I had 2. I am in the process of XXXX a house and this late payment is holding the process up. Because of this mistake I have lost out on many homes and funding. I need help getting this Item removed.
Product: Credit card

Took a balance transfer in XX/XX/XXXX from Chase. The balance transfer was supposed to be at 0 % until XX/XX/XXXX. The balance transfer amount never showed on my statement at 0 %. 
I always paid the amount due in full, less the balance transfer amount. Several months ago I was charged interest. I called to complain and they stated that it was incorrect and reversed the charge. I was charged interest again this month, and called to complain, and they refused to reverse the charge this time. 
I've been a customer of Chase for XXXX years, and they refused to reverse a {$30.00} interest charge, that I should not have been charged.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX had a case against me but the judge dismissed it on XX/XX/year>.
Product: Credit card or prepaid card

My original account was paid off with no balance charges remaining They closed my account, and reopened a new account in my name. There has been a card issued to someone and I be o not have access to the card. There has been new and recent charges on the account since then.
Product: Debt collection

A debit of {$100.00} was sent to Trident Asset Management from XXXX, for an allegedly transaction back in XX/XX/2015. I have no knowledge of this site nor ever used it, therefore I dispute this charge. I have received letters from Trident Asset Management with offers to pay it off with big discounts, but the charge is not mine and they never provided proof that it would be mine.
Product: Checking or savings account

I have an approved credit card from SoFi. I was trying to open a money account but couldn't open it. It kept telling me that a code has been sent to my phone which I would need to confirm in the app in order to proceed. I never received the code in my phone. I called SoFi and the representative said she is replacing code via text confirmation with code via email. But that didn't work either and it kept telling me a code has been sent to my phone which I never received. The operator said she would escalate this to their engineering team. XXXX hours later I received an email from SoFi stating that the issue has been closed and or resolved. I still can not open the money account because it still keeps telling me that a code has been sent to my phone which I would need to confirm in order to proceed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I received an alert of a hard inquiry on my credit by XXXX XXXX. I contacted XXXX and alerted them to possible fraud. They confirmed that they had identified the online attempt to open an account as fraud. The XXXX Fraud Prevention Team sent me an email on XXXX saying that they were notifying all 3 credit bureaus ( including Equifax ) of the request to remove information regarding the fraudulent activity. The hard inquiry remained on my credit report, so I disputed it with Equifax on XXXX and again on XXXX. Equifax failed to take any action either time, and sent me a letter saying the dispute was closed and I should contact XXXX. Of course, I had already done that. Their letter also states that I can submit any additional documentation regarding the dispute online and gives their web address. This information is false and Equifax 's systems do not allow consumers to submit documentation in connection with an initial dispute of a fraudulent hard inquiry or after it is decided against them. 

As a practical matter, Equifax is not actually offering a real ability to dispute a hard inquiry. They do not allow documentation to be submitted with a dispute and they do not investigate. They merely confirm that a hard inquiry was made ( which is in fact always the case with fraud ) and then they close the dispute. 

Congress should regulate the credit bureaus and take action to protect consumers. Equifax has been on notice for months that they are providing misleading information that materially impacts my credit score due to fraud, and has made no effort to resolve it. Their systems are designed to prevent me from submitting any documentation. I have called them numerous times and am not getting any help. 

Please assist in getting this fraudulent hard inquiry removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently, Experian and XXXX a public record ( Bankruptcy ) that is not accurate and incorrect. I have sent letters multiple time over the pass five years to get this corrected and most recently called XXXX  directly about the issue. I have contacted the courts and they can not find the case number, I spoke with the chief clerk of the court and she stated that they did not report this information to the credit bureaus, in fact she stated that they don't report any cases to the credit bureaus. I have asked both companies to tell me who provided them this information and refused to do so, however, they continued to lie and say they got this information from the courts. They also have accounts list with inaccurate information that are listed multiple times with different statuses. They have collections listed that I have continued to dispute that have missing data which I have never done business with. I have sent disputes to XXXX about reporting inaccurate information just to be told they verified the information as accurate and I no it's not. I understand you ask for dates, however, I'm XXXX veteran who suffers from XXXX XXXX XXXX and my memory is affected, so I just ask you to work with me.
Product: Debt collection

On XX/XX/XXXX they contacted my father and discussed my debt. This is a violation of my privacy and borderline stalking. I have paid my debt on time since I have been working with this company, I miss one month and now they're harassing me and my family. This is not okay!
Product: Debt collection

I have repeatedly expressed my desire to cancel this order to XXXX. I called several times and each time the rep said yes we will cancel the order. So when they sent an invoice/bill, I returned it stating yet again I cancelled the order. They sent the merchandise ANYWAY. I am under no obligation to pay for a " gift ''. When the collection agency contacted me, I AGAIN stated my communication process and sent their invoice back with a written statement explaining that this was not a product I requested and therefore have no intention of paying for it. This was sent by certified mail and I have the receipt that this was signed for and received. 
I have received ANOTHER REQUEST FOR PAYMENT from this same collection agency with the threat that this will affect my credit file. Enough! This now borders on harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

just received my reinvestigation back from Equifax. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 16811 ( 7 ). 


Because the list of accounts below are not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 


Account name : XXXX  XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX  XXXX # XXXX Account name : XXXX  XXXX # XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX the consumer, called Trans Union , Fraud Victim Assistance department on XX/XX/XXXX to have inaccurate false, and misleading information removed from my consumer credit report. I was told they would not be able to change any information without an FTC or Police Report concerning any of the false, inaccurate, or misleading personal consumer private financial information that I stated was incorrect, misleading and false on my consumer profile that they were reporting without my permission that was mailed to me on XX/XX/XXXX. They would not initiate a dispute over the phone without the Police report or FTC report. As a consumer, it is my right to financial privacy, equality, and respect according to Congress. Trans Union as a consumer reporting agency has a duty to report fairly and accurately true information at all times on behalf of the consumer. They are obligated to do this by Congress. This a violation of my rights and my consumer creditworthiness has been injured as this false and misleading personal financial information has been given to over 50 companies ob multiple times. The inaccurate false and misleading information is a result of identity theft concerning transactions that were not initiated by the consumer. If any information was collected from any self-test employment, I was never properly disclosed nor did I give my written ink signature to agree to have this false, inaccurate, and misleading information placed on my consumer profile. According to Regulation B, Credit profiles are considered false fictitious information and should not be used when evaluating an application for consumer credit transactions but the use of a fictitious profile has to be disclosed to the consumer and they have to volunteer to take the self-test. I was never aware. I am requesting methods of verification used for this information to appear on my credit profile and they actually certify that the creditors met to provide this information on my consumer profile. Also, remove the inaccurate information. Also, Trans Union has sold for profit my consumer profile and I was not compensated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax reporting a late payment to XXXX for the month of XXXX. This is totally incorrect and should be updated immediately. My original dispute was to remove a late payment for this account in XX/XX/XXXX ( not XX/XX/XXXX ) which is currently being disputed by credit card company as well. This is affecting my credit score and I'm tired of going back/forth with these credit bureaus inaccurate reporting. I am attaching a copy of Equifax 's reporting. I HAVE NEVER BEEN LATE WITH THE CREDIT CARD. And, after speaking with the credit card company, they agreed as well -- never late -- and are currently disputing this item as well. However, the credit bureaus should delete late reporting immediately! As a consumer, my rights are being violated by these credit bureaus and they should be reprimanded for such acts. According to 15 U.S.C. Section 1681A - ... " unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the bank system. '' Thus far, all agencies are incorrectly reports as stated in my complaint # XXXX ( still open ).
Product: Credit card or prepaid card

After several years of having this account I sighed up for paperless statements and have paid bills through the Citibank app. In XX/XX/XXXX/XX/XX/XXXX the app showed there was no payment due, i called the bank to confirm. They confirmed. Next thing I know I get an alert that there is a late pay on my credit report. I notified the bank and just got a long drawn out process of disputing it through the bureaus. I honestly feel that Citibank is being unreasonable as I have never been late.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a letter to the consumer report agencies mentioning multiple violations of misleading false reporting on my report. Not only have they not replied to me, I feel like I am being ignored. 
In the FCRPA, according to 15 usc 1681a ( 2 ) ( B ) which talks about exclusions ( meaning suppose to be excluded from the credit report ) it says : " any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; '' When the FCRPA says credit card at a glance you may think they are talking about a visa card or mastercard etc ... but it is not the case here and the FCRPA proves it by specifically mentioning and defining that a credit card means any card not a metal cards plates or coupon books or other devices used in the purpose of obtaining money or property or labor or services on credit but your social security card that is in fact the credit card the FCRPA is talking about.

Now according to 15 usc 1681a under the exclusion section ( B ), anything that was extended or authorized from a credit card ( social security card ) should be excluded from my consumer report. I believe if they do not remove from my credit report, the consumer report agencies are civilly liable reporting this information and it is also inaccurate.

In addition, when the consumer report creates an investigated consumer report, according to 15 usc 1681a under the exclusion section ( 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. '' Which means that the information that I disputed and that appeared on my credit report should be excluded once and for all.
Product: Money transfer, virtual currency, or money service

XXXX XXXX was sent out of my cashapp account not by me Ive been going back and forth with cashapp about the money that was stolen they refused to give me my money back after two disputes I expressed I didnt complete this transaction and they keep saying I did which is impossible I wasnt even in the state where it was made and my grandma can testify I wasnt
Product: Payday loan, title loan, or personal loan

I have paid them over XXXX for my title loan that was XXXX and they kept charging me hundreds of dollars for a repo expense that I had to pay to get my car back after a few missed payments. Theyve kept charging even after I paid it up up to over {$700.00}. Theyve only ever let me pay off {$200.00} of principal. Title loans are illegal in Ohio & yet they still have them here. My apr is 77 % and that is also illegal. They have only been taking my money for interest and made up fees. Our area is very poor and I cant imagine how many lives are ruined by this scam.
Product: Credit reporting or other personal consumer reports

Please remove this incorrect account from my credit report. I never gave permission for its creation or use. I've attached the necessary documents to substantiate my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my credit report has been hijacked. I was looking through my records once more when I found numerous things that didn't belong to me. I learned that section 605b of the FCRA requires you to remove and ban any products that are discovered to have been opened as a result of identity theft because I'm a stickler for details. The objects in dispute are not mine. For your review, I've attached the FTC Report that is necessary ( based on an additional investigation that both parties requested ). To prevent/remove these files, kindly. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXXXXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX HE XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I do not have permission to authorize or benefit from the account described below. They must be stopped and demolished. Please remove all phony and erroneous accounts from my consumer report that i am unaware of as a result of the XXXX, Transunion  and XXXX data breaches and identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX ran an unauthorized Hard Credit Check, today ( XXXX ). 
I contacted them, since I was not even at their facility -- luckily I have credit monitoring. 
But they have still not removed the Hard Check. 
Please help. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate these accounts by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to fix this problem with XXXX XXXX, Equifax and XXXX  on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019, and XX/XX/2019. 
My credit scores dropped form XXXX to XXXX from both XXXX  and Equifax  with no explanation. They continued with these egrigous errors to the current with my credit scores erroneously down 100 points. XXXX XXXX offers no intelligent explanation on their report. The report does show that I have zero negative items and 100 % payment history.