23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Background : I use Experian Boost to boost my credit score. I also pay my bills in a timely fashion. On XX/XX/XXXX I received an email from Experian Boost ( EB ) saying my name and address on a XXXX XXXX ( XXXX ) account connected to boost didn't match my Experian membership. The only thing that changed around that time was that I closed a WF Money Market account because I'd removed all the cash from it. 
On XX/XX/XXXX I received another email from EB this time saying I needed to reconnect a XXXX XXXX account. 
On XX/XX/XXXX I called Experian and spoke with a customer service rep ( XXXX ) who was very helpful but what I learned is that Experian has what I consider an unfriendly consumer policy. 
XXXX ) I learned after checking my personal account info on Experian Boost my address remained the same as the address connected with my XXXX XXXX ( XXXX ) accounts. 
XXXX ) My XXXX credit card and debit card were stolen in XXXX around XX/XX/XXXX and I canceled both cards and requested replacement cards the same day. 
XXXX ) I updated with the new card numbers each vendor who had recurring charges to either card. 
XXXX ) When I spoke with Experian customer service it was clear that my address had not changed. We verified that. What had changed is the credit card on file in XXXX because I canceled it after the theft. 
XXXX XXXX Customer Service rep explained that all past vendor charges to the canceled card would now be removed from my credit report (??? ) which could potentially lower my credit score! ( She acknowledged a lower score was a distinct possibility and apologized for it in advance. ) This seems like I'm being victimized twice one by the thieves who stole the cards and again by EB because their removal of past paid bills that boosted my credit score would be removed through no fault of mine. Seems like a really unfair consumer policy to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT XXXX  Account # XXXX with 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 furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission,15 USC 1666 ( b ) - truth and lending act., 15 US Code 1692e ( XXXX ) ( a ) the character amount or legal status of any debt and ( b ). You are falsely and misleading representations. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of. This is very frustrating.
Product: Credit reporting or other personal consumer reports

Request for Accounting and Statement of Account under UCC 9-210 & NOTICE OF VALIDATION I hereby submit this letter as a formal request pursuant to the Uniform Commercial Code, Section 9-210, regarding my account with you.

In accordance with UCC 9-210 ( a ) ( 2 ) and ( 4 ), this letter serves as : A Request for an Accounting of the unpaid obligations secured by the collateral involved in the aforementioned transaction. 
I am seeking an authenticated record that provides a detailed accounting of all unpaid obligations to date.

A Request Regarding a Statement of Account indicating the aggregate amount of unpaid obligations secured by the collateral that I believe to be accurate. I am requesting that you approve or correct this statement and provide a detailed explanation of any discrepancies. For clarity and the purposes of identification, the transaction or relationship in question involves Account number Pursuant to UCC 9-210 ( b ), I understand that you are required to comply with this request within 14 days of receipt by authenticating and sending the requested accounting and statement of account. Please ensure that your response is detailed, including all relevant information pertaining to the unpaid obligations, the list of collateral, and any corrections to the statement of account I have provided. 
Should there be no interest claimed on the obligations or the collateral at this time, as outlined in subsections ( d ) and ( e ) of UCC 9-210, I request an authenticated record disclaiming any interest, along with the name and mailing address of any assignee or successor to your interest.

I am aware that, as per UCC 9-210 ( f ), I am entitled to one response to this request without charge during any siXXXX period. Please inform me in advance if there are any charges for additional requests. 
I look forward to your timely compliance with this request. Please send the requested information and any corresponding documentation to the mailing address listed above
Product: Debt collection

On XX/XX/2024 I started with Briteside Solutions with the number XXXX, XXXX, they consider themselves a debt relief they tell you that they will help you step by step recover your credit after the doubts go to collections they and their lawyers guarantee to dispute directly with the credit. 

But after four menus I have a concern and I have dedicated myself to investigating more and they are not accredited, I investigated with XXXX XXXX XXXX  That they in my credit bureau come out with the name XXXX XXXX, number XXXX, where they appear that they have withheld a property or something without my consent and / or authorization. I don't know at all what appeared to me in their bureau when they informed me XXXX it happened immediately I think I reported.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Personal Info Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Checking or savings account

I had opened the BMO Harris account successfully. But some or the other way I am getting a lot of messages from BMO Harris bank that something is missing? I was asked to provide the signature card - which i provided and they got it. But still they keep on saying that something is missing and they will close the account.
When you call them at this toll free # and chat with them - they have no idea. I have no idea what 's going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following addresses are incorrect: 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

I called Transunion and told them that I was apart of their inquiry error that occurred in their system where they removed my inquires and then reposed them without notifying me and the Customer Service department did n't want to help me get the issue fixed. I want the following inquires removed off my credit report. Thanks for your attention to this issue!! 
1.XXXX 2.XXXX 3.XXXX 4.XXXX 5.XXXX 6.XXXX 7.XXXX 8.XXXX 9.XXXX 10.XXXX 11.XXXX
Product: Debt collection

They are attempting to collect a debt on behalf of XXXX XXXX bank that I do not believe I owe. They do not provided verification that would be legally binding nor does their alleged client show me owing the money. They refuse to remove this unverified and what I believe erroneous debt from my credit.
Product: Debt collection

Per the General sessions court I was served with a warrant and personally accepted service per the person that served the warrrant. 

I was never served and I contacted the company and was told that I accepted service and I was a XXXX XXXX XXXX XXXX XXXX XXXX This is not acceptable as I was not served and had no opportunity to pay before I was garnished and now have a judgment against me.
Product: Credit card

The CC company changed their link and password requirements. Since this has happened, I have not been able to access my account.

They want me to use a service that charges {$9.00} to make a payment.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Ive had multiple fraud prevention alerts on my credit which I only remove when I need to use my credit. I have made police reports, ftc reports, etc. 
I dont know where or how my personal information was leaked but it has been stressful to regain my life back. I have disputed accounts/ inquiries that I know I didnt make or have no idea where they come from. Ive been having a hard time with XXXX, XXXX, and experian trying to restore my life Lately Ive sent in disputes for these accounts below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Student loan

Variable student loan interest on three out of three accounts set to highest possible percentage. All payments have been made on time, in full, and even additional principal has been paid of. Credit scores of account holder have improved and stayed at a score range of XXXX to XXXX. Immediate questioning and discussion to loan vendor ( Navient ) were engaged. No information or explanation was given as to the determination of current interest rates and the increase of said rates. Multiple phone calls to inquire on this matter have failed to gain any real reasoning.
Product: Debt collection

Doctor was aggressive in pursuit to get us to come to his office for his service, which is a diagnosis of XXXX, i.e., XXXX. Multiple persuasive phone calls. Over the phone assurance to reduce the bill after I advised that I am a single mom and not able to pay for this service. I finally caved and took my son to see XXXX XXXX / XXXX, FL. XXXX XXXX was not there for the appointment. Instead, we were surprised to be taken in by a Technician. My son was given a pill ( I believe XXXX ). We were strong armed into taking a test. This test was advertised as {$600.00} over the phone by XXXX XXXX. I was concerned and researched the doctor after the test finding multiple complaints about aggressive sales tactics ; inability to be reached or not being present at appointments ; as well as inflated billing and collection practices. I opted to cancel the follow up appointment with XXXX XXXX. Numerous sales calls by XXXX XXXX followed, advising me that my son had serious issues and problems and that I needed to address same. I did not make another appointment with this doctor. 

I was billed {$1500.00} against verbal {$600.00} price assurance over the phone. 

The bill, supposedly consists of {$600.00} test ; {$100.00} cancellation of supposed XXXX appointments ; and a {$450.00} deductible sum for what I am not certain of. 

This breakdown by the office secretary named XXXX still does not mount to {$1500.00} sent to collection. 

This doctor is unethical and as a single mother, I am not able to cover this amount. I do not want my son to be pushed on medicine. 

Having given my son a pill for testing without first advising me prior to the test and without a consultation prior to the test is absolutely incredible. 

To make things worse, XXXX XXXX office waited until my son turned XXXX years of age to turn this manufactured bill into a collection against my son 's credit.
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 Experian XXXX and XXXX is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640 Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement o 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. 
Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX. XXXX State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency
Product: Mortgage

Goldman Sachs purchased my mortgage note from XXXX XXXX in 2006. A securitized transaction that included my home loan was completed on XXXX XXXX, 2006. 

The transaction names XXXX Bank as the Trustee for Goldman Sachs XXXX XXXX XXXX XXXX. 

The transaction is deemed invalid, as the mortgage note was not transferred or recorded into the Trust within the 90-day closing period that is required by New York law and the Pooling and Servicing Agreement. 

For the past few years, Goldman Sachs has relied upon XXXX XXXX XXXX Mortgage and XXXX Bank to fabricate fraudulent Assignment of Mortgage documents in an effort to gain a legal standing to execute a foreclosure sale against my home. 

These types of action have led to the recent approval of a civil lawsuit against Goldman Sachs for {$5.00} XXXX Dollars ; which, I am seeking inclusion in the suit for wrongful foreclosure, unfair business practices and excessive emotional grief. 

Without recording the mortgage note into the Trust within the required 90-day time frame, Goldman Sachs, its Trustee or other representatives have no standing to foreclose on my home. 

I am a U.S. veteran who should not be subjected to shady financial transactions that were orchestrated by banks / investors who assisted in the toppling of our country 's financial system.
Product: Money transfer, virtual currency, or money service

I sent wired money to my cousin in XXXX and she never received the money into her account. I paid {$200.00} XXXX XXXX to the Sigue agency representing them and did not hear anything about her receiving the money that was sent. Money was sent last year XX/XX/2023 and I have proof of payment and now agency that received money for Sigue which they no longer represent because Sigue is under investigation for fraud is not able to help me retrieve my money. Sigue telephone and e-mail services have been disabled and I cant get a hold of anybody to help me retrieve my $ XXXX XXXX dollars back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested to have my credit report frozen to no avail.
Product: Debt collection

I paid this debt, they keep attempting to recollect the dept I paid in full.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been placed an account on my credit report that I have no knowledge of. When asked to validate the debt they refused. I refuse to pay this debt and I do not owe it. I am not liable for the debt and XXXX XXXX and I do not have a contract
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised, I noticed the credit bureaus that I had been a victim of identity theft. Per FCRA I asked them to block information from my report. Not only did they ignore my request, it seems as if the are evaluation of the FCRA and the FTC. I sent a statement ftc report and proof of identity. It was also names on my report I never went by Accounts XXXX XXXX  {$380.00} XXXX XXXX {$810.00} XXXX XXXX  {$1200.00} XXXX XXXXXXXX  {$1600.00} Please see attached FTC report for additional information amounts account numbers and off please like this information from my report as it was right please block this information for my report as Ive sent in the proper identification if I dont hear back from you and this is not a block within four days I will make a complaint with the attorney generals office and seeking to get a legal counsel XXXX XXXX XXXX XXXX XXXX XXXX All of the following names are fraudulent and needs to be removed. 
Please see attached FTC report and proof of identity thank you
Product: Vehicle loan or lease

I am writing to dispute and report the following information regarding the payments that have been made on this account from XX/XX/XXXX to XX/XX/XXXX. The monthly payment as noted in the contract and account is {$470.00}. The vehicle, XXXX XXXX XXXX, purchase price was {$16000.00} and financed at 27.99 % rate in the amount of {$18000.00}, bringing the total amount to {$34000.00} ; a down-payment was also made in the amount of {$1000.00} towards the purchase price. 

As of XX/XX/XXXX a total of {$33000.00} in monthly payments have been made. The current remaining balance ( Per Exeter Finance ) is listed as {$12000.00}. ( It was {$13000.00} on XX/XX/XXXX ). The correct remaining balance per all payments and fees paid shows that the account should list as Paid in Full ( see attached Loan Amortization Schedule ). Principal was not added onto my account consistently until XX/XX/XXXX forward. Even then the interest applied is inconsistent, changing as much as {$100.00} from month to month. Interest was only applied twice beforehand on XX/XX/XXXX for {$300.00} on a payment of XXXX, and on XX/XX/XXXX for XXXX on a {$470.00} payment. 

Exeter Finance Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've made numerous phone calls through the years and finally sent a formal letter requesting all information and explanations on XX/XX/XXXX. The information I received back was in error and I believe, fraudulent. Exeter Finance never returns phone calls and customer service reps does not have the ability to connect to anyone in corporate headquarters or someone to assist me with authority to make corrections to my account. 



I need your assistance in resolving this amicably.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXXXXXX 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
Product: Debt collection

The disputed account has been given ample time to validate their position of maintaining a collection account on my personal credit profiles. It is now time that I request a division of the Federal Trade Commission known as the Consumer Financial Protection Bureau to demand accountability. I have never paid on any account to this organization. This company obtained my personal information from a debt pooling service. There was never a legal assignment or transfer of ownership. FTC v. XXXX XXXX XXXX ( 2009 ) stipulates XXXX criteria f a legal collection process : 1 ) The debt must be within the resident jurisdiction of legal collectability 2 ) the ownership transfer must be in hard copy documentation, backed up upon request and 3 ) the individual must be given ample notice or 30-days that the legal collection could be posted on a person 's credit report is not rectified within said 30-day notification. In this matter, the collection company failed on all three criteria. The CFPB needs to monitor and sanction Cavalry Portfolio Services, and a " Cease & Desist '' must once again be administered against this company for such illegal collection practices.
Product: Credit card or prepaid card

This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Product: Credit card

XX/XX/year> - Erroneous charges appeared on my XXXX XXXX card issued by Synchrony Bank. I contacted them to make them aware I did not make a purchase and suspected fraud. They canceled my card and reissued me a new card and card number. This caused my account to go over limit by {$600.00}. 
XX/XX/year> - I received an email from the retailer, XXXX XXXX stating XXXX or more duplicate transactions had been processed to my Synchrony credit account. I communicated with them this was completely unacceptable that the credit card issuer knew nothing about the charges, which resulted in my filing a fraud claim. XXXX XXXX apologized for the confusion and inconvenience regarding the matter. They stated they would be issuing a {$75.00} credit to the card as a good faith gesture. 
XX/XX/year> - I checked my account and confirmed a {$75.00} credit had been applied to the balance. 
XX/XX/year> - I checked my account and found that Synchrony had reversed the {$75.00} credit. I was informed it was only meant to be a temporary credit, which is factually incorrect as the retailer issued the credit directly to the account. 
XX/XX/year> - I filed a dispute with Synchrony to have the {$75.00} credit re-applied to my account. 

Synchrony has since closed my dispute. They have not re-applied the {$75.00} credit. They sent me mail correspondence asking for more information. I have submitted that form to them via fax as well as copies of emails from the retailer stating the amount of the credit, {$75.00}, and the reason it was issued to my account. I have also requested all accrued interest during the time be credited retroactively. Additionally, Synchrony lowered my credit limit from {$800.00} to {$500.00} due to the over limit issue that occurred through no fault of my own. This has caused a negative effect on my credit score, lowering it significantly. They refuse to resolve this situation even though documentation has been provided directly related to the credit, and the ramifications of incorrect reporting and lowering of my credit limit continues to negatively impact my credit report.
Product: Payday loan, title loan, or personal loan

I received a letter from ace cash express payday loan saying I got a loan that I didnt receive.They I need to pay by XX/XX/XXXX theyre taking me to and I need to pay XXXX they saying my payment was was return by my bank due to NFS.Theyre taking about taking money out of my check. Can they do that because I didnt receive anything I dont know what to do.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and there were accounts on it that wasnt mine so I contacted my bank and had them to freeze all my accounts until further notice