23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

IQ Data International is attempting to collect on a debt illegally. They are violating Section 392.101 of the Texas Finance Code which prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. 

As of XXXX XXXX  central time, the listed company does not have an active surety bond with the state of Texas and therefore is not legally able to collect on the alleged debt. Not only are the trying to collect illegally, the representative I spoke with requested to collect from XXXX income. I called back and requested to speak with a supervisor or manager and was connected to XXXX XXXX. I advised him that their company was not authorized to attempt to collect and requested the debt be deleted in it's entirety and removed from being illegally placed on my credit reports. XXXX XXXX said that they will continue to attempt to collect and sue me for the full balance of the alleged debt. 

This illegal information reflecting on my credit report is causing harm to my ability to be approved for credit as well as harm to my mental and emotional health. 

In addition to violating Section 392.101 of the Texas Finance Code, I never conducted any business with this company and have no knowledge of doing business with them. I have requested proof of the validity of this account and have never received it. I have also requested proof of having conducted business with IQ Data and did not receive it. I requested proof of the exact dollar amount of the debt they are claiming I owe and still did not receive a response.
Product: Debt collection

Approximately 3 years ago I had been a customer with XXXX XXXX for 8 years, I called as my service was not working, after a month of jumping through hoops I called again, they said to get a new modem, I spent {$400.00} on various modems within a few months. I finally had enough and called to cancel my internet service. They stated I was in a contract with them, and would have to pay and early termination fee. I stated I have been a customer for 8 years, how am I still in a contract. They stated when I purchased the new modem through them, that I was in a new contract with them. I stated I did not agree to that, and will not pay it. Since then I have had various debt collectors mail me stuff, call and harass me. However, today really upset me as they called my work to collect a debt that is from 3 years ago and in my opinion not a valid debt. I stated, quit calling me, take me to court if you must or whatever your threats are, but stop calling me. I ended up hanging up.
Product: Debt collection

XXXX on mg credit of a XXXX account that ive never had nor owe. Called a few times. And threatened that it will damage my credit if not paid.
Product: Debt collection

I reported to Lendmark Financial years ago that they were reporting an account that was given to them with valid FTC reports that I was a victim of Identity theft twice with listed FTC reports. They gave me a Affidavit in which their So called XXXX XXXX was supposed to void the account & cleared but never process the complaint. After the the Bureaus determinef they were prohibited from no longer reporting on my record under FCRA law they continued to keep record on their data based this year in 2025 when I applied this month in XXXX after being told I was approved for a {$8000.00} loan but their branch mgr said their XXXX had discovered the previous reported account was never discharged keeping me from being approved. I have been grieved of this process for weeks having to investigate & call their XXXX XXXX XXXX  XXXX XXXX XXXX who promised to help but of course did nothing but sent me a email that said it could take over 30 days that would make my loan approval longer.
Product: Vehicle loan or lease

Credit Acceptance continually has my account showing the incorrect amount due. I owe {$820.00}. They claim the current balance due is {$1300.00}. That would me I am 2 months behind, which is incorrect. Also, they are not reporting a reduction in balance to the credit bureaus. The balance is showing -1 % paid off. That means they are pocketing my money and not applying it to my vehicle. When I request to have all communications in writing, they refuse. And provide no contact information other than a phone number.
Product: Credit card or prepaid card

I received a PayPal Master Card statement during the week of XX/XX/XXXX in the amount of {$15.00} for two unknown business transactions as listed below : Tran Date Post Date Reference Number Description of Transaction or Credit Amount XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX FL {$6.00} 0 % PROMOTIONAL APR XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX FL {$8.00} 0 % PROMOTIONAL APR I called PayPal Credit Services numbers XXXX XXXX and XXXX ( for my PayPal account ), and spoke with 4 different PayPal Customer Service Representatives : XXXX XXXX 1rst ), unknown lady name ( 2nd ), XXXX  ( 3rd ), and XXXX ( 4th ) on Saturday, XX/XX/XXXX to report for these fraudulent business transactions. None of them was able to assist me to deal with/resolve this problem. The first one just simply hear what I said to him and then asked to to wait on the line so that he can forward me to the correct phone line. They just repeatedly did that until when I reach to the 4 person, and each time they put me on hold for several minutes of waiting on the phone line. I logged in to my PayPal account and sent an email to request for closing of this PayPay Master card due to these fraudulent charges, and received an email response on XX/XX/XXXX to ask me to contact PayPay Master Card phone number at XXXX to dispute for these transactions. On XX/XX/XXXX, I logged in to my PayPal account and found that a new fraudulent charge was shown up on my PayPay Master Card account as listed below : XX/XX/XXXX XXXX XXXX FL XXXX I called PayPal Master card phone number and spoke with XXXX, a PayPal Master Card Customer Service , I reported all three fraudulent transactions mentioned above to him, and he told me that he will give me the phone number of that business entity so that I can speak with them directly to find out and disconnected the phone. I called to the given number at XXXX ( the fraudulent business who charged me 3 times within a few weeks for unknown business transactions with them ), and no one picked up the phone. A voice message asked me to leave a message, and I just disconnected that phone call. I logged in to my PayPal account online, clicked on the PayPal Master Card balance link to connect to the XXXX XXXX and  requested for closing my PayPal Master card account, and also made a full payment of {$24.00} to that account while waiting for the dispute to be processed because I don't want these dispute transaction would impact my current excellent credit scores.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called to have the bankruptcy removed from all three reports it should have been removed after one year it's been 2 years and it's effecting me negatively.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In XXXX of 2021 I applied for a credit card loan through a used car company " XXXX XXXX XXXX ''. I approved the company to pull my credit report one time yet I had 4 hard inquiries pulled within the same few days by the dealership. When I complained they said that all 4 would be reported and affect my score as if only one was pulled. Now, many months later when I am looking into buying my first house, the 4 hard inquiries are still affecting my score. Please advise on how to reduce these 4 back to 1. 
On XX/XX/XXXX the same thing happened. Can we fix the two to equal just one in XXXX also? 

XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Axos Bank - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Thank you greatly, XXXX
Product: Credit card or prepaid card

My name is XXXX XXXX. Portfolio Recovery Associates started recording on my credit report two accounts. I paid one to get it off my credit and then started wondering if these were actual amounts due. I wanted proof of ownership from Portfolio recovery and I was told they do not have those documents. I wanted a application showing that I acknowledged any terms from XXXX XXXX. They could not supply me with any documents and informed me that they do not have these documents. I was told by XXXX XXXX on a recorded line that there was a charge from XXXX XXXX that they maybe can get a contract from XXXX XXXX to prove that I acknowledged an application. I'm quite skeptical as they can not supply me with anything besides a statement for either account. I also requested documentation as I believe I could have been part of a previous complaint issued regarding tactics that threatened me with attorneys. They can not supply me with any letters that were previously sent to me but only the letter showing that i paid the previous debt on ONE of the accounts they currently list on my credit. I would like answers as they keep telling me they will put in a request but inform me they have no idea what the turn around time would be on obtaining any documents. 


Portfolio Recovery Associates, LLC ( " PRA '' ) purchased the XXXX XXXX XXXX XXXX XXXX XXXX XXXX   account ending in XXXX from XXXX XXXX XXXX on or about XX/XX/XXXX. Information provided to PRA by XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX by XXXX XXXX whose social security number ends in XXXX, the account became delinquent on or about XX/XX/XXXX and that a balance of {$1200.00} was on the account at the time of PRAs purchase.

Portfolio Recovery Associates, LLC ( " PRA '' ) purchased the XXXX XXXX XXXX XXXX XXXX XXXX XXXX account ending in XXXXfrom XXXX XXXX XXXX on or about XX/XX/XXXX.

Information provided to PRA by XXXX XXXX XXXX at the time of our purchase verify that the account was opened on XX/XX/XXXX by XXXX XXXX whose social security number ends in XXXX, the account became delinquent on or aboutXX/XX/XXXX and that a balance of {$730.00} was on the account at the time of PRAs purchase.

Please can you look into this and obtain documents from this company as they can not supply me with any information requested.
Product: Credit reporting

Equifax reinserted a comment on my XXXX account " Dispute resolved ; reported by grantor ''. I DO NOT DISPUTE - PLEASE REMOVE VERBIAGE AGAIN. I sent two certified letters to have this removed, only to have it reinserted,
Product: Credit reporting or other personal consumer reports

The following account was charged off as of XX/XX/year> Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX, am verifying that I, XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below.

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over XXXX  DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at :
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the following Account has violated my rights : XXXX XXXX XXXX Account # XXXX, Amount {$1200.00}, Opened XX/XX/2017 15 U.S.C. 1681 Section 602 A States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

Wells Fargo stated that my account was frozen because of a bill I owe from a furniture store ( XXXX XXXX ).
Product: Credit reporting or other personal consumer reports

I recently discovered that my credit report contains incorrect personal information, which has led to the appearance of multiple unknown and inaccurate accounts. As a victim of identity theft, my personal information was used fraudulently, resulting in these unauthorized accounts being added to my credit report. Following Equifax 's guidance, I promptly filed an FTC Identity Theft Report and submitted it, along with all necessary documentation, to resolve the matter. Despite these efforts, these fraudulent accounts remain on my report, causing undue stress and harm to my financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 10th CFPB complaint submitted regarding the removal of the fraudulent accounts and information being reported on my Credit File. I was a victim of identity theft and that my Personal Information was stolen and used to open these items without my knowledge. I never received any benefits as a result of my identity being stolen. Under the Fair Credit reporting Act section 605b, The Credit Bureaus are required to remove these items from my Credit report and provide any proof of verification if they claim that the items belong under my name. I am submitting this CFPB Complaint to request the Credit Bureaus to please remove the disputed account completely from my Credit Report 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 US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$100.00}. The Credit Bureaus ' willful non-compliance with the FCRA statute is a clear violation of a consumer 's rights. If the Credit Bureaus claim that the dispute accounts and information belong under my name, I need the Credit Bureaus to please provide me copies of proof of verification to prove their claims.
Product: Debt collection

Back in XXXX I sent them a debt validation letter requesting information on the debt they alleged I owe in which I gave them ( 30 ) days to comply in which they didn't. I did contact them via phone call in which they was extremely rude and still didn't want to comply I reach out a second time in which they did send me something but it wasn't what I requested.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Equifax regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX and XX/XX/XXXX Nature of Complaint : I submitted a dispute to Equifax disputing a late payment reported by XXXX XXXX XXXX. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Reason for Dispute : The payment was made on time, but due to a clerical error on the part of the creditor, it was recorded late. I have attached bank statements that confirm the payment was withdrawn from my account before the due date. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Equifax has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

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

I returned an auto lease of a 2013 gray XXXX XXXX to XXXX XXXX or XXXX XXXX now XXXX XXXX ) where i leased it from. There was no damage to the vehicle in any way shape or form and yet they are charging me XXXX for damage. No proof of damage was provided, in fact i purchased another vehicle ( XXXX ) from the same dealership and same salesman as the XXXX  immediately after it was turned in. No mention of damage or money owed was ever mentioned. In fact it was me who notified them of seal issues with the roof and water pouring into the car during all rain fall.this caused rust inside the wheel wells as well as electrical issues. It was the main reason the dealership allowed me to turn in the lease early without any penalty. If this isn't completely removed from my credit i will be filing a civil suit against both the dealership and XXXX XXXX. I have consistently been given the run around regarding this issue. I have also leased and purchased over 7 XXXX vehicles through XXXX XXXX and have never once been accused of wear and tear damage. Unless photos of the damage are provided as proof of the cars condition upon return i will be moving forward with legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX  account : XXXX XXXX XXXX # XXXX, & XXXX BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXK XXXX. # XXXX & XXXX XXXX. # XXXX Has Violated my rights. 
15 U.S.C. 1681 Section 602A. : States I Have the Right To Privacy 15 U.S.C. 1681 Section 604 A. Section XXXX : It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions..
Product: Checking or savings account

Hi my mother have been Charles swab for many years we followed all steps to doing business to thier standards they sent out several representatives for elderly abuse. They even locked our accounts down for a week sometimes a month and after the state came out and rude no foul play they close the accounts stating they can close any account at any time. they also close my account because me and my mother were on each others account were full trading author authorities, and authorize privileges
Product: Credit reporting or other personal consumer reports

Back in XXXX of XXXX, I tried to rent an apartment, but my application was rejected, and they told me that I have some issues with my credit report. I registered myself on the website called XXXX, and I found out that I have multiple unrecognized accounts and inquiries. Because I didn't apply for anything in last few years, I should not have any inquiries or credit cards. Only credit cards that I have is from XXXX XXXX. But I saw XXXX fraud accounts from XXXX, XXXX XXXX XXXX and AMEX XXXX I called creditors and credit bureaus about these fraud accounts. Creditors told me they will start investigation on their side, and meanwhile, I need to contact my credit bureaus to dispute these accounts on my side as well which I did. However, since XXXX of XXXX, I submitted about XXXX dispute request letter with FTC report, I noticed these fraud accounts come back to my credit report after removal. Every time I request dispute case, I receive letters from creditors and credit bureaus saying that these accounts turn out to be factual or correct account. I called creditors to explain that I have never applied for these accounts and credit bureaus to request proper investigation, results were same : they are all correct information. I attached FTC report, my ID, my social security card, and utility bill to prove myself. I also requested these creditors to send me a copy of application and other documents someone submitted during the application process, but they said no because of privacy issue. If they believe that this is correct account, why don't they send me a copy of documents? I also asked credit bureaus to send me a proof they received from credit companies, but they just told me " I will receive a explanation letter in XXXX business days about my dispute case. '' The letter did not contain any proof except for just regular letter saying my dispute case has been closed and concluded that these are " factual '' accounts. Again, if they have strong proof that these are my accounts, why don't they send me a copy of documents? It's getting almost a year, and I did everything I can to solve my fraud issue by myself. I can't see how to solve this problem anymore. Please help me with protecting and fixing fraud errors in my credit reports. Every time I call credit card companies and credit bureaus, all I receive is just standard and regular letters saying " this is factual account, '' but I see no proof of documents attached. Obviously these credit bureaus are not doing their job correctly. As a credit bureaus, they should do their investigations carefully and make sure send me what creditors sent them, so I can see what information was stolen and I can take next step to remove fraudulent accounts from my credit report.
Product: Credit reporting or other personal consumer reports

Recently found out my personal data was leaked in a breach. There were multiple accounts on my report that I dont recognize. On XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was reported with a {$690.00} balance. On XX/XX/XXXX XXXX XXXX reported on my report with a {$8000.00} balance. On XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  was opened with a {$830.00} balance. To make matters worse on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were opened and reported with an insane {$23000.00} balance. These debt are not mine and i have made claims about accounts before because I have been a victim of this in the past.