23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Transworld Systems Inc. is trying to collect a debt of {$840.00} on behalf of my insurance plan SSS. I have been with this insurance company for more than XXXX years now and they does not have any records about the referenced debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX  : Account number : XXXX -- -- - DELETE THIS ACCOUNT BECAUSE THIS IS PURELY IDENTITY THEFT AND WRONG. You have no business continuing to report this on my credit report. I don't have any idea about this. 


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 reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  and XXXX XXXX XXXX are reporting fraudulent accounts on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file complaint of the credit bureau delaying my request.. I have reach out to transunion equifax and experian I sent out disputes letters over a month ago and my file just being Investigated. The Inquiry that they said was verified and the account.. didnt reply back. The dispute I sent out they violated my rights 15USC 1681 604 section A,15 USC 1681 Section 602 ,15 USC 1681i they fail to send me the the description of the procedure of the investigation they ignoring my request my rights of privacy is also being ignored please please adress this matter Accounts : XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/2019 The Complaint against Flagship Credit Acceptance : I am filing a complaint against the finance company named Flagship Credit Acceptance for their unethical practices. They worked in conjunction with XXXX to finance this car unlawfully. First scenario is that the contract is broken and inconsistent. We only signed a contract that states XXXX as our creditor not Flagship Credit Acceptance. Additionally, the rates and payments are different from the original and only contract we signed with XXXX versus the invoice Flagship Credit Acceptance sent nearly 20 -30 days later after the ordeal. Flagship typed up an invoice letter with a date that did not even match the date we received the invoice. We asked the dealership multiple times for the name of the finance company but they just said the company would get in touch with you! They knew if they gave us the Finance company name we would contact them and tell them not to do the deal. When we finally got the 1st invoice we called them and immediately told them not to do the deal. They said emphatically no ; and that they already paid XXXX and that we owed them. I am XXXX years old and financed multiple cars in my life and in every instance the finance manager always let me know what finance company would be financing the car and when they would be calling to go over the interest rate and the payment amount. Most importantly they adamantly stressed to let the finance company know you WANT THE CAR because if not they will not finance the car. In this case, they did not do that, they did not call us and verify the rates and terms they just sent and invoice that did not match the contract we originally signed therefore making the contract void. We have repeatedly asked Flagship Credit Acceptance to provide a signed contract that showed we agreed to their terms of the invoice and they refused. Iam asking for the XXXX dollars they forced on us unlawfully and the removal of this account off our credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I have never been associated with none of these addresses. I have been a victom of identify for years and im here to clarify it. These accounts listed needs to be removed off my report asap! 

Manual verification is required from notice. These items are illegal and needs to be removed asap. 


Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 1681, 1682, 1683, 1684, 1692, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX. These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter.

Thank you for your time and help in this matter.

Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$310.00} XXXX Balance {$590.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX Balance {$13000.00} Date Opened XX/XX/XXXXXXXX XXXX
Product: Debt collection

Hello and good day, I cant express enough how frustrating and overwhelming this has been. Imagine waking up one day to find out you suddenly have a debt you know nothing aboutunverified and not yours. On top of that, being harassed nonstop across different communication platforms with various tactics is beyond stressful. I never imagined starting my day with threats of legal action. As someone who respects the law, it's incredibly insulting to have my rights as a consumer so blatantly violated. The stress is affecting my mental health, and Ive been struggling with sleepless nights for days now.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I WAS PUT IN THIS SITUATION DUE TO SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THIS ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX, XXXX and autograph as the XXXX  XXXX XXXX  in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, XXXX  XXXX failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
XXXX  XXXX Account Number XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
XXXX  XXXX Account Number XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, XXXX, d/b/a XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Product: Checking or savings account

Started receiving emails a couple weeks ago about an account being opened with Chime and then got another email today to activate my new card. I never opened an account with them and never received anything in the mail. When I called their customer service line today XX/XX/2023 they had my cellphone number already tied to an account so I got right through. They tried to get my DOB and other information to verify me but I refused. They transferred me to the investigation department which they tried to do the same thing, I also refused. They would not cancel the account over the phone so they gave me an email " XXXX '' to ask them to cancel my account. I did and the emailed me back within 10 minutes without any further questions and that my account has been canceled. I went on some threads online and see this is an ongoing problem with Chime and I fear they are falsely opening accounts without approval.
Product: Debt collection

They call me XXXX times a day asking when I can pay. I 've told them my financial situation plenty of times, and they insist on a concrete date when I can pay my entire debt. They have called me while I was at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the following accounts before, all to no prevail. The credit reporting agencies either put a remark on unauthorized accounts and/ or response stated " account verified ". Verified by whom?, and how, when and what certified documentation used to equate to your remarks and findings. I'm demanding the Method of Verification used in the process of this dispute, if this can not be provided then as stated within the literature of the FCRA these shall shall be blocked immediately. The disputed accounts are, ( 1 ) XXXX XXXX {$0.00}, ( 2 ) XXXX XXXX XXXX {$0.00}, ( 3 ) Missouri XXXX XXXX XXXX   {$2600.00}, XXXX 4 ) XXXX XXXX XXXX {$0.00}, ( 5 ) XXXX XXXX XXXXXXXX {$0.00}, ( 6 ) XXXX XXXX XXXXXXXX, ( 7 ) Bankruptcy XXXX, {$0.00} Identity has been compromised please remove
Product: Mortgage

not listening as there is many faults to the purchase of my home as i believe in fraud. As in a XXXX indebtness on house that was not told about or aware as in property survay that is correct and was from a website instead of title company itself. There is three property descriptions with with three different county and names descirbed and much much more.
Product: Credit card or prepaid card

On XX/XX/2021 - I made a purchase with XXXX XXXX using Paypal Credit a.k.a Synchrony Bank for the amount of {$510.00}. However, few days after receiving the item, I returned it back to the store because the delivery person delivered it outside in a bad condition. I did not want to keep it. I filed a dispute with Paypal Credit hoping it would get refunded faster. 
On XX/XX/2021 - I received a temporary refund from Paypal Credit in the amount of {$510.00}, not from the store. This happened while the dispute is on-going. 
On XX/XX/2021 - I lost the dispute. Paypal credit removed the temporary refund they issued and charged my account for the same amount, now XXXX left with the amount and the item was already sent back to the store. So I filed another dispute because I did not like how it ended up. 
Between XXXX and XXXX, I have communicated with the store and came terms with them. The store asked me to cancel the active dispute I filed so they could issue me a refund directly from them. I did cancel the dispute and they promise me refund in a XXXX business days minus the shipping fees ( non-refundable ). 
Please note I still have the balance at this time that Paypal Credit issued in my account on XX/XX/2021. 
And on XX/XX/2021 Paypal Credit charged me again in the amount of {$510.00}. I called the agent that now they charged me double of the same amount, and they told me it was an error on their part and that happened because I cancelled an ongoing dispute. 
XX/XX/2021 - I got the refund from the store itself in the amount of {$490.00} ( shipping fee non-refundable ) So in short, I got stuck with two charges of {$510.00}. Although one of the charge was cancelled out by the store 's refund. I'm still left with one chared of {$510.00} on my account. 
I have been going back and forth with Synchrony since summer last year and up until now, the issue has not been resolved. They keep closing my dispute and I.m done with their tricks.
Product: Credit reporting or other personal consumer reports

XXXX. Inaccurate Reporting : TransUnion and XXXX has consistently reported inaccurate information on my credit report, including erroneous account statuses, incorrect payment histories, and inaccurate personal information. 
XXXX. Unjustified Score Drops : Despite maintaining a positive credit profile, my XXXX XXXX has inexplicably dropped by more than XXXX points without any changes to my credit behavior or financial circumstances. 
XXXX. Lack of XXXX : Despite multiple disputes and requests for correction, TransUnion and XXXX has failed to take appropriate action to rectify the inaccuracies and restore my XXXX XXXX to its rightful level.
Product: Credit card

I have a credit card with capital one they restrict my account because they think it 's a fraud issue. Have so many problems because I sent my personal information more than 5 times even if speak with some one to make sure they receive it. After confirming 3 days after manager who handle my case transfer out to another department and I have to resend my I formation again. No one in customer service can resolve the problem because every time they have someone different and I have to star over the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Waited forever on hold with Trans Union to try to get errors corrected and couldn't reach anyone on XX/XX/XXXX. My call followed the company 's inadequate follow-up of my dispute aimed at correcting my credit file 's erroneous phone number and current occupation, which I had asked the company in writing to fix. Instead, the company in a letter reported that it had verified a credit card account I never asked them to investigate, and they said they confirmed my employment with a company for which I no longer work. While I realize I can write a rebuttal to this agency 's inadequate response, these issues are not necessarily worth my time -- though the wrong phone number error is relatively important because I have a long-standing credit alert on my file. My main concern is that Trans Union 's extremely careless investigating could lead to unfixed errors which are significantly more damaging to credit-impaired individuals.
Product: Debt collection

I asked the company to validate and verify the alleged debt but they have yet to show me proof. The company also violated HIPPA Laws and violated U.S. Codes under the FDCPA The company sent me an itemized bill with medicines and procedures listed from a hospital, but they didn't send me a contract. The accounts need to be deleted and the invoice needs to be paid or I will file a claim against the company for Hippa violations and FDCPA violations. I will also ask for remedy, defamation, and other damages.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Transunions Inquiry Issue and customer service would not help and take care of the negative inquiries reported on my credit report. 

XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX. 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX/XXXX XX/XX/XXXX XX/XX/XXXX FXXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX. 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX 
XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  
XXXX XXXX XX/XX/XXXXXX/XX/XXXX XXXX 
XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX. 
XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. 
XXXX  XXXX XX/XX/XXXX XX/XX/XXXX XXXX  
XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX
Product: Mortgage

On Friday XX/XX/XXXX at XXXX XXXX  I signed to sell my house. The buyers signed at XXXX. The money was then immediately wired to LoanCare/XXXX for payment. I checked my mortgage account Friday, no change. I checked it Monday the XXXX, no change. On Monday, I got my share of the proceeds wired to MY bank account so I knew they had been sent. I checked it Tuesday the XXXX ( FOUR days after they were wired the funds ), no change. On Tuesday LoanCare called to tell me my payment was late, I had failed to pay, and I now had a late fee. I said, no, this has been paid off. Apparently the payoff department and the payment department don't communicate. I called the title company to assure the money had gone out and it had. The payoff department at Loancare said " oh we see a payment pending but we don't process payments on Friday or on the weekend so it probably won't be in the system until 48 more hours from now and at that point we will determine if it was timely and in the right amount and if we will change your account to remove the late fee and late payment. '' Are you kidding me? That is ridiculous. This company should not even be allowed to be in business. They are the worst company I have ever communicated with. Their website interface is awful. Every time I log in I had to RE-sign up to get estatements. It looks like something leftover from 1996. And apparently many other people have issues with them so I'm not sure why they are even allowed to operate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, fraud specialists advised me that in reference to my dispute of the Chapter XXXX Bankruptcy fraud reported on my credit report from XXXX XXXX, Alabama. That if XXXX, and XXXX  removed they will remove. XXXX, XXXX both advised me that there is no proof they can send to Experian to show removal. However, I am asking Experian to remove as well. I can provide my updated XXXX XXXX info. Please see attached.