23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Subject : Dispute of Transworld Systems Inc Dear Sir/Madam, I am writing to dispute the collection activities conducted by Transworld Systems Inc. regarding an alleged debt. My name is XXXX XXXX, and I would like to formally express my concerns regarding the handling of this matter. 
On XX/XX/2023, I received a call from Transworld Systems Inc. for the first and, as I insist, last time. During the call, I requested that all future communication be conducted through written correspondence, specifically via mail. Despite clearly stating my preferred method of communication, Transworld Systems Inc. failed to honor my request and instead proceeded to report my information to the credit reporting agencies. 
I wish to emphasize that I have not received any written notices or correspondence from Transworld Systems Inc. regarding this alleged debt. As such, I have been denied the opportunity to verify the validity of the debt, as well as the chance to address any potential errors or discrepancies. 
Given the circumstances, I hereby dispute the collection activities conducted by Transworld Systems Inc. and request that you conduct a thorough investigation into this matter. I kindly ask that you provide me with the following information : 1. Detailed documentation regarding the alleged debt, including the original creditor, the account number, and the outstanding balance. 
2. Verification of the accuracy and legitimacy of the debt, including proof of any contracts or agreements that demonstrate my obligation to pay. 
3. Confirmation that Transworld Systems Inc. has complied with all relevant laws and regulations, including the Fair Debt Collection Practices Act ( FDCPA ), in their collection efforts. 
It is imperative that the credit reporting agencies take immediate action to ensure the accuracy and fairness of the information contained in my credit report. I request that you place a temporary hold on any negative reporting related to this disputed account until a thorough investigation has been completed. 
I look forward to a prompt resolution of this dispute, as well as the removal of any inaccurate or unjust information from my credit report. I trust that you will handle this matter with the utmost professionalism and integrity. 

Thank you for your attention to this matter. 

Yours sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX
Product: Credit reporting or other personal consumer reports

Personal Statement for CFPB Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TN XXXX Email : XXXX Phone : ( XXXX ) XXXX DOB : XX/XX/XXXX SSN : XXXX Contents of Complaint : This CFPB Complaint has been filed to request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The XXXX Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving this complaint. This Fraudulent, XXXX and XXXX XXXX consists of : XXXX, Account Number : XXXX ; Opened : XX/XX/XXXX ( REMOVE IMMEDIATELY ) These accounts have resulted in several Fraudulent Hard Inquires, Collections, Charge-Offs, and Derogatory Accounts appearing on My Consumer Credit Report, and negatively effecting my Consumer XXXX Score as well as My Financial and Personal Life. Ive attached a list of all the negative accounts and/or inquiries in question as a well as a copy of My Consumer Credit Report. I DO NOT recognize the aforementioned Accounts on My Consumer Credit Report maintained by you, were not opened, made or initiated by me. All of the aforementioned Accounts are a result of a Data Breach, Identity Theft and Fraud. I have attached a copy of a FTC ( Federal Trade Commission ) Identity Theft Report as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts are a result of a Data Breach, Identity Theft and Fraud. I request pursuant to The FCRA 605B ( 15 U.S.C. 1681c-2 ) that you : The Experian Credit Reporting Agency ; REMOVE and BLOCK the information appearing on My Consumer Credit Report, that is a result of a Data Breach, Identity Theft and Fraud within XXXX Business Days of you receiving said complaint. I request that all written confirmation ( s ) regarding this CFPB Complaint be sent via email to the email address : -Attached below are supporting documents -Formal Dispute Letter Detailing My Complaint -Copy of US Driver License ( Proof of Identity ) -Copies of a Paystub & Utility Bill ( Proof of Address ) -FTC ( Federal Trade Commission ) Identity Theft Report
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The creditor failed to send me notice about the alleged account. I learned of the account via my credit report. The account shows an open date of XX/XX/2023 and an adverse report date of XX/XX/2023. Typically an account goes into collections after 90 days. However this was not the case, because on XX/XX/2023 the account would legally be called a charge off. At that point, the alleged account qualified for collections. The collection agencys illegal practices are damaging my credit. I demand that National Credit Systems remove this account from my file Immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX {$2600.00} XXXX XXXX {$650.00} USDEPED XXXX {$37000.00} XXXX XXXX {$24000.00} XXXX XXXX {$1700.00} XXXX XXXX {$130.00} XXXX XXXX {$920.00} XXXX XXXX {$1700.00}
Product: Credit card

I received an alert about derogatory information on my credit report for a new account. I called the company and my contact information was incorrect and a bill was not received. We got it all taken care of and my payment was successfully processed. The representative was very helpful and assured me that the negative information would be corrected and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On 1-2-2023 I sent to Experian, XXXX and XXXX the letters pretaining to the removal of personal information due to identity theft I sent in the forwarding documents and I received no response nor was the information removed. Experian keeps reaging accounts that should have been removed and they fail to remove information that is incorrect.I feel that Experian is retailiating against me because I am a consumer in the class action lawsuit against the company. 15USC 1681 I ( 5 ) States that everything has to be complete and accurate. 15 USC 6802 States " No financial institution is suppose to share my information to third party people. My federal consumer rights are contioniusly being violated. 15USC 1681 section 602 A, states " I have the right to privacy, also 15USC 1681 section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions. In which these accounts are violating my rights. acct # XXXX XXXX XXXX/ ( XXXX XXXXXXXX XXXX, acct # XXXX XXXX XXXX XXXX acct # XXXXXXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX ) acct # XXXX XXXX XXXX acct # XXXX XXXX XXXX. 
15USC 1692 section 805 A in which XXXXXXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights as well.
Product: Credit card

I made a Credit Card Payment to BarclayCard US ( Barclay ) in XX/XX/2023. Barclay acknowledges they received the payment and I have supplied them with the ACH Trace ID number as proof. Barclay alleges they returned the payment 5 days later to my credit union but refuses to provide legitimate proof ( such as an ACH Trace ID number ) this actually happened so my financial institution can research it. My financial institution does not have any transaction history that Barclay returned the payment. Barclay believes they are still owed this payment and have been charging late fees and interest which are negatively affecting my credit worthiness. Funds were removed from my account by Barclay and not returned.
Product: Credit card or prepaid card

I had  XXXX  walmart cards that was offered to be upgraded prior to getting the card I called to make sure my history for the cards  XXXX  and  XXXX  would stay on the card that I was being upgraded too. The information I was sent did not state anything that is why I called. After getting the card I activated it and the other cards were closed. Now I do not have history on the new card shows I have had the card since  XXXX  and  XXXX . After calling today to Syncrony bank I was hung up on by  XXXX   XXXX  in OH, called back and when asking for a supervisor to correct this was told I could not speak t o one the y would tell me the same thing. Now I have  XXXX  new accounts after calling before and now I am being told I misunderstood.
Product: Mortgage

My loan was transferred to Shellpoint as of XX/XX/19. The payment I made on XX/XX/19 to my old servicer has not posted on Shellpoint 's account. I have confirmed with my old servicer that they have received the payment and transfered it to Shellpoint on XX/XX/19. I have also sent Shellpoint several items proving that I made the XX/XX/19 payment, but they refuse to post the payment until they complete all of their research, which they say can take up to 60 days. In the meantime, they will not allow me to make my next payment ( XX/XX/19 ) and are showing my account as past due ( the first contact I ever received from the company after taking over my account was a collections call ). I was told that I can make another XXXX payment if I want and they will credit it when they finally update my account - which is a ridiculous ask.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following INQUIRIES. Block and remove it. 
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 XXXXXX/XX/XXXX
Product: Student loan

I am requesting the Original Instrument of Indebtedness with my wet ink signature for my loan account.
Product: Checking or savings account

I signed up using a promotional offer. Santander Bank was offering a {$220.00} bonus for opening an account and direct depositing {$1000.00} within a specified timeframe. I recently called to check the status of the bonus and they said I didnt meet the deposit requirements. After review, they recoded my first direct deposit so it would not count as a direct deposit. They coded it as a transfer, even though it was directly from my employer as a direct deposit. I believe they are trying to avoid paying the promised bonus, as I made 4 {$250.00} direct deposits as well as several {$25.00} direct deposits.
Product: Credit reporting or other personal consumer reports

In according with the fair Credit Reporting Act XXXX  Account # XXXX ( XXXX XXXX XXXX XXXX ), has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furbish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

some one broke in to my car and stole all my personal info like my social security card, id money, bank statement, id etc
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute with XXXX  twice with photos of evidence that a collection they recently placed on my credit report should not be on it. Legal documents from the court saying that the case was dismissed. And another legal document shows that the account is 12 years old and to old to be on my report.
Product: Debt collection

The phone bill was in my name for my deceased mother in law. I have contacted both AFNI and XXXX  to pay the {$200.00} because this collection is negatively affecting my credit. Ive wanted 2 months for someone to contact me back and no one has! I have had XXXX cooperation to try to take care of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I, XXXX XXXX, sent out a letter to XXXX XXXX XXXX  because I became aware through my consumer reports, that they were violating my rights as a consumer. 

Pursuant to 15 U.S. Code 1681a 2 ( A ( ) i ), XXXX XXXX reported my experience with them onto my consumer report. Giving information out concerning my utilization activity. 

I never gave XXXX XXXX any written permission to report such experiences onto my consumer report. Pursuant to 15 U.S. Code 1681b, again I have been violated. 

As a consumer, XXXX XXXX has not respected my right to privacy, pursuant to 15 USC 1681 ( a ) 4.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Discover Bank Account # : XXXX has violated my rights. 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiry. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiry : XXXX  - Date : XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I made a payment for my leased Vehicle on XX/XX/XXXX and it was taken from my bank account. Per GM when i looked at my credit report it was reporting late when in fact on the website it reflects the payment was processed. I went to my bank, got a copy of my bank account and a personal banker faxed it on my behalf. I reached out to GM once again and they advised to call back in 5-7 business days and they will correct the payment. It has now been longer and they did not remove the negative remark from my credit nor have they applied the payment. My credit score is well above 750 and this negative remark has caused a burden on the financial stability i can offer my family. I am not the average consumer and have never been late with any payment. I am requesting GM to apply the payment with the proof i have submitted along with taking off the negative remark from my report. The information on the website of GM also contradicts what they are reporting to my credit. Please ask them to correct this.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with 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 months that are reported late 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 21 days before the payment due date. 
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 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 
Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit karma and XXXX Ive disputed wrong names and social security number and inquires that arent mine they refuse to move them and credit karma tricked me into saying I was approved for a card then I applied and my XXXX XXXX dropped
Product: Credit reporting, credit repair services, or other personal consumer reports

Second Mortgage Loan for {$27000.00} as guarantee to a Property was open on XXXX in XXXX Bank XXXX in PR. It was paid accordingly until end of XXXX. The property was on Sale and the balance of the first and second mortgage ( {$220000.00} ) was more than the Actual appraisal of the property ( {$160000.00} ) in a difference of almost {$75000.00} with XXXX XXXX loan with XXXX XXXX agreed on a Short Sale, the Second Mortgage with XXXX Bank did not. For this reason, the property began a Foreclosure Deed in XXXX procedure. The XXXX Mortgage Bank was informed of the foreclosure as they denied the Short sale process and I had no money to make the sale feasible. Foreclosure proceedings started in XXXX, court communications were presented and everyone was informed including XXXX XXXX. I called them several times and they continued to send monthly Invoices regarding the XXXX XXXX XXXX and making calls on due payments. They even sent letters on the insurance requirement. Every time I called and explain and they just took notes of it. I took two years and after XXXX XXXX situation, in XXXX, the court foreclosed the property in guarantee and sold the property for $ XXXX have called XXXX XXXX and tried to reason with them on what happened, the loan was paid always on time for 9 years and the keep reporting this account XXXX and every month report the late payment on a loan that should appear as closed. They do not want to change the information, they have never tried to negotiate with the balance owed or charge off, they just keep reporting the loan open and the balance continues to grow and earn interest. I have claimed this information on XXXX, Experian and XXXX XXXX and XXXX XXXX keeps answering as accurate. This account was a second mortgage lien on the property I used to owe. It was not a line of credit. The property was foreclosed, it should not appear on my credit report as open and reporting illegal monthly status of late payments. When I recently called them again three weeks ago the person stated that the XXXX XXXX  should have paid the balance of the second and since it never happened, I still owe the loan and it still will appear as open. When I asked the person what about the property that guaranteed that loan? it does not exist, the person said that she did not know how that works. When I requested to talk to someone form the legal area or loss mitigation, they transferred me six times with no answer and just told me that the Legal area was not working due to COVID and that they would call me back, I am still waiting for the call.
Product: Checking or savings account

I REQUESTED CANCELLATION OF The 30-day TRIAL SUBSCRIPTION ( to an Online Graphic Design Course I had signed up for on XXXX ) MANY TIMES ( by Email, Online, and by Phone ) PRIOR TO THE EXPIRATION DATE OF THE TRIAL, XX/XX/XXXX, WHICH XXXX never ( failed or refused to confirm ) confirmed ; Subsequently, they charged my ( former ) Visa ending XXXX {$69.00} on XX/XX/XXXX, and CONTINUED TO CHARGE ME {$69.00} EACH TIME FOR ( XX/XX/XXXX, XX/XX/XXXX ) even After I filed Disputes with my Bank about the Unauthorized Charges and DESPITE MY CONTINUING COMPLAINTS to them by email and online about their Billing me in Bad Faith UNTIL I FINALLY GOT A REPLACEMENT VISA THEY COULDN'T CHARGE ( Which My Bank Should have done for me immediately after I filed my 1st Dispute on XX/XX/XXXX of the 2nd Unauthorized Charge on XX/XX/XXXX Or Even After I Filed my 2nd Dispute on XX/XX/XXXX, About the Last Unauthorized Charge on XX/XX/XXXX, ) AFTER I REQUESTED A NEW ONE WITH MY 3RD DISPUTE FILED ON XX/XX/XXXX ; ; ( Which was Actually About the 1st Unauthorized Charge to have occurred on XX/XX/XXXX, but which I hadn't discovered until I had already filed the 2nd Dispute about the 3rd charge! ) ; Furthermore, REGARDLESS OF MY BANK 'S RECENT DENIAL OF MY CLAIMS and Resulting Reversal of the Provisional Credits they had Previously Granted Me Which Was Done Without Any Notice ( s ) /Reason ( s ) for their/My Bank 's Disapproval, Thereof, I AM NOT legally, financially, or otherwise RESPONSIBLE FOR THE {$200.00} CHARGES SUBMITTED TO MY BANK IN BAD FAITH/Fraudulently/Without Authorization As Described Herein, SO I AM THEREFORE SEEKING RECOVERY of the full amount OF {$200.00} FOR AFOREMENTIONED UNAUTHORIZED CHARGES BE RETURNED TO ME personally or refunded/credited back to my Chime Checking Account ending XXXX As Soon As Possible BY EITHER OR BOTH of the Other 2 PARTIES To This Complaint WHO/WHICH ARE or Were Legally RESPONSIBLE. Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX Balance Owed : {$16000.00} ; XXXX  XXXX XXXX Balance Owed : {$220.00} ; XXXX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$8400.00} ; XXXX  XXXX Balance Owed : {$360.00} ; XXXX XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with a representative and explained to them that I have 2 unauthorized inquiries I'm unaware of and I never applied for credit from this company. They told me to call the company and dispute it. I told them why would I call a company I'm unaware of and give them my information. So the representative told me to call the FTC and file a report.