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

I sent a letter to XXXX XXXX to ask why they were reporting bankruptcy and to investigate this. They sent a letter back to me stating, " They investigated the complaint about the bankruptcy and found it to be " unverifiable ''. However, XXXX XXXX is where Experian and XXXX receive their information. XXXX XXXX gets their information from XXXX and they do not have any bankruptcy on my file either. So how can the bureaus respond that the bankruptcy is VERIFIED? Please investigate this issue and I have included a letter from XXXX XXXX to prove my complaint. 

XXXX XXXX type Bankruptcy chapter XXXX
Product: Debt collection

This so called debt collector ( " Medical Data Systems '' ) keeps calling but will not give me any information on what debt it is? They only want to collect information from me which I refuse to give them. They call weekly. We told them we do not owe any debts and to quit calling us.
Product: Credit reporting or other personal consumer reports

XX/XX/2023 I requested by letter that the 3 credit bureaus remove the the unknown companies with the collection accounts on my credit report. I have not opened any accounts with these companies. Only one bureau was updated, and one month later XX/XX/2023 my credit score goes down by XXXX points without any reason given. 

Company names : XXXX XXXX XXXX {$120.00} XXXX XXXX {$150.00} XXXX XXXX XXXX {$1600.00}
Product: Mortgage

My loan was transferred from XXXX to Roundpoint Mortgage Servicing. They took the initial payment after transfer ( have my bank statements to prove it ) and now they are trying to charge me double the next month, slap me with a late fee, and likely ding my credit. I can not get anyone on the phone or an email response back. Instead it just pushes me to make the double payment on their automated phone system. I even called last month in advance to confirm the transfer was successful and a rep assured me it was fine and went through. This is absolutely absurd and I need this resolved ASAP.
Product: Credit reporting or other personal consumer reports

This is a follow-up to a previous complaint FCO regarding a disputed debt allegedly owed to XXXX XXXX XXXX XXXX. 

In their response to my initial complaint, the company stated that they mailed a debt validation letter and verified the debt. However, they failed to provide adequate validation as required under the Fair Debt Collection Practices Act ( FDCPA ). Specifically : - They did * * not provide a copy of the original signed lease agreement * *. 
- They did * * not provide a copy of the assignment of the debt * *, which is required to demonstrate they have legal standing to collect the debt. 

Their response misrepresents compliance with federal law. I continue to dispute the validity of the debt and request that the CFPB require the company to produce full documentation, including proper validation and proof of assignment from the original creditor. 

Additionally, if the debt can not be fully validated, I respectfully request that the account be * * removed from all consumer credit reports * * to prevent further harm to my credit standing.
Product: Checking or savings account

Company : Goldman Sachs Bank USA Issue : This company is intentionally limiting the manner in which I can access my own account data. I use XXXX XXXX for budgeting purposes and this platform provides significant support in my pursuit for financial wellbeing and effective money management. GS Bank unilaterally made the decision to block XXXX 's access to any GS Bank account data, which prevents me from accessing my savings account data in the XXXX platform. This causes me to have an erroneous view of my holistic finances, which can lead to my making decisions that will be detrimental to my finances. 

The access denial is not even across the board for all aggregators. GS Bank permits XXXX XXXX ( XXXX ) to access account data while they refuse XXXX 's access to the very same data. I contacted GS Bank on XX/XX/XXXX requesting that they stop blocking XXXX 's access. They provided no response to me and did not lift the block. I sent another follow up message on XX/XX/XXXX and have, again, received no response and still am unable to connect with my account data through XXXX XXXX. 

I am closing my account with GS Bank on account of this and request that the CFPB investigate the unsound practices at GS Bank based on no identifiable logic whatsoever. Furthermore, I would like to see stronger guidance from the CFPB pertaining to aggregation and consumer access to data. I am fully aware of the risks that I incur by sharing my credentials with aggregators ; however, this is my decision to make and it is my accounts from which money might be moved should malicious actors breach an aggregator 's security and obtain user credentials. I knowingly accept these risks because the personal financial management benefits I get from aggregation services far outweigh the risks in my current financial situation. Ideally, the CFPB will mandate that all financial institutions over a certain size ( that are therefore financial capable of building out the necessary infrastructure ) implement oAuth and API-based data sharing so that customers like me can more securely access their data on their terms in the places they want to. 

Consumers beware, GS Bank thinks they know better than you what is best for your financial wellbeing. Or worse, they do not care about helping you achieve financial wellbeing and care only about limiting their potential liability, even though this can be done through terms and conditions presented to customers.
Product: Credit reporting or other personal consumer reports

XX/XX/2024 - I called USAA requesting a XXXX XXXX for the sale of existing home, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I was referred to XXXX. 

XX/XX/2024 called XXXX and requested the XXXX XXXX They told me that I would be mailed a letter with a link and a code in XXXX days to retrieve the report. 

XX/XX/2024 received letter from XXXX, and logged into their site and downloaded the Consumer Disclosure Report. Page 51 of that report shows the address for a home that we do not currently own or insure. 

XX/XX/2024 Called USAA on several occasions this day. Spoke to XXXX and XXXX with the XXXX XXXX business for USAA. On those occasions we were told to call XXXX @ XXXX to resolve the wrong risk address in the XXXX  report.. 
We reitterated that the data was retrieved by XXXX, USAA generated the data based on a request for a Home Owners Policy and that policy was not in effect.
Product: Credit reporting or other personal consumer reports

Hey Im writing this complaint because consumer reporting agencies have failed to remove dismissed bankruptcy from my credit report after its been remove from ( 1 ) bureau due to inaccuracies. I am aware this is a violation to my consumer rights & should be handled accordingly.
Product: Credit card

I use to bank with US bank. And had a credit card with them. I closed it. When I feel on lost my income. Due to becoming XXXX and they will not lower my APR.
Product: Payday loan, title loan, or personal loan

Re : Account Number XXXX To Whom It May Concern, This is with regard to the referenced account number. In Fall 2020 I experience a financial hardship due to pandemic with layoff and additional economic impact to part-time business. I have never had negative information on my report prior to the COVID19 pandemic, but, unfortunately, I was unable to pay my bill for due to being out of work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to dispute and contact Equifax. These are fraudulent inquiries. The following companies are involved : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Equifax Mortgage Solutions XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

I kindly request the removal of this inaccurate account from my credit report, as it is not linked to me and I did not consent to its establishment.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I just applied for a new loan and learned an existing loan with Rushmore LMS was showing to be included in a bankruptcy. We have not filed bankruptcy and we are current on our loan without ever being late. I called Rushmore and was told my account is in good standings and it's not their fault it shows this way. I was told to call the credit bureau. I asked for a letter and was told I was told I would have to mail a letter to them and then they could respond with a letter. I went on to explain I am applying for a loan and this mistake is very time sensitive. I asked to speak with a manager and was told no, but someone would call me but no promises it will be today. I called XXXX and was told I can file a dispute since Rushmore reported it this way but it would take 30 days. At this time my wife and I can't proceed with a purchase contract due to this mistake and my credit rating is suffering which will cost me a higher interest rate once this is resolved.
Product: Credit reporting or other personal consumer reports

By the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The accounts below have 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 2 : It also states a consumer reporting agency can not furnish an 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 ) ( a ) 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. Delete the accounts below : Creditor Name : XXXXXXXX XXXX Date of inquiry : XX/XX/year>, Experian. XXXX XXXX : XXXX XXXX, Date of inquiry : XX/XX/year>, Experian. XXXX XXXX : XXXX XXXX, Date of inquiry : XX/XX/year>, Experian. 
Creditor Name : XXXX XXXX  , Date of inquiry : XX/XX/year>, Experian. 
Creditor Name : XXXX XXXX XXXX, Date of inquiry : XX/XX/year>, Experian. 
Creditor Name : XXXX XXXX XXXX Date of inquiry : XX/XX/year>, Experian. Creditor Name : XXXX XXXX XXXX XXXX XXXX of inquiry : XX/XX/year>, Experian.
Product: Debt collection

XX/XX/XXXX I, XXXX XXXX was diagnosed and transported for admitted urgent treatment from XXXX  XXXX XXXX XXXX Massachusetts to XXXX XXXX XXXX located up the road by  XXXX XXXX. I was never notified prior of a denial or gave authorization to be personally billed XXXX XXXX . XXXX XXXX directed the bill to XXXX XXXX  XXXX  without notifying me of my XXXX  upon request, or a verification of denial form. From there it was sent to First Financial collections, a credit bureau. I have filed disputes, called for expedited appeals and mailed to the grievance department at XXXX and spoken with all 4 companies to try to get this discrepancy resolved and removed from my credit report. Me being an inpatient at the time should not be responsible for this bill. 
Claim # XXXX XXXX XXXX CREDITOR ACCOUNT:XXXX  XXXX   XXXX XXXX XXXX XXXX XXXX, MA XXXX billing dpt # XXXX XXXX XXXX XXXX XXXX Appeals and Grievances dpt XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Massachusetts XXXX XXXX Billing agent XXXX XXXX XXXX ext XXXX XXXX  -XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX Appeals unit XXXX XXXX XXXX XXXX, Massachusetts XXXX First Financial Resources XXXX XXXX XXXX suite XXXX XXXX, Massachusetts # XXXX XXXX XXXX or XXXX XXXX XXXX I call these supervisors and billing agents to complain that i was never informed and to remove the bill because I have outstanding impact on my negative credit score. They are no help in immediation of assistance and ping me back and fourth to the other companies. This has been ongoing since XX/XX/XXXX. There has to be someone that can negotiate wan waive this bill from collections.
Product: Debt collection

I am a Federally Protected Consumer I know I have rights. I have the right to not have false credit information reporting on my credit report. I have rejected the offers to contract and I never gave my consent to have nonaffiliated third party collections to be in possession of my non public personal information. This is a notice to cease and desist communication and them reporting of false credit information on my credit report is considered communication. I am not requesting validation of these alleged debts obtaining as non public personal information without my lawful authority constitutes aggravated identity theft 18 USC 1028A. XXXX XXXX ACCTS # XXXX, XXXX XXXX ACCT # XXXX. These false credit information collection accounts were deleted off my credit report before but just came back on my credit report XX/XX/2022 as I was in the middle of extending credit trying to obtain a new credit card and was denied due to these collections on my credit report. The FTC calls these practices DEBT PARKING and takes this very serious. Therefore I have strong reason to believe that TRANSUNION, XXXX XXXX XXXX, AND QUICK COLLECTIONS are ALL conspiring to collect on extension through unlawful extortionate means. By putting these alleged collection debts on my credit report there damaging my credit worthiness, and ruining my name. and stopping me from MY RIGHT to extend credit and operate in commerce.. DELETE THIS FALSE CREDIT INFORMATION COLLECTION ACCOUNTS OR ILL BE FORCED TO TAKE STEPS TO ENSURE MY FEDERAL RIGHTS ARE BEING PROTECTED AND ENFORCED. The collection of this extension of credit would be a Violation of False Claims Act. Remove this false credit information from my credit reports immediately.
Product: Debt collection

They have only sent bills for DOS XXXXXX/XX/XXXX and XX/XX/2019 and a fraudulent Consent for Treatment from XXXX XXXX XXXX with an old signature of mine for both dates of service. The form from XX/XX/2019 has information that I am supposed too fill out written in by someone else and the form from XX/XX/2019 has information filled in by the computer that you can barely see. These forms were not included with the bills that they sent me the first time I request the proof that they had and these forms are not found in the chart notes for these dates of service. So I have no idea where they got these forms from, which is a violation of my HIPAA rights on behalf of XXXX XXXX XXXX. But I most definitely did not give Rash Curtis and Associates authorization to get them and I did not give XXXX XXXX XXXX authorization to release them. Also, I do believe under the No Surprise Medical Bill Act they can not bill my for emergency room services, if I did not give up my rights too getting billed for these services. Also, during these emergency room visits I was signed up for emergency Medi-Cal services , but on the XXXX DOS they have my middle name spelled wrong, and I don't know if they actually attempted too bill Medi-Cal for these services .
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( block , inc . ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( cfpa ). Specifically, Cash app failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( efta ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

On XX/XX/2019, I made an advance purchase reservation at XXXX for a resort under their official list. This also would qualify me for the {$250.00} XXXX resort credit from American Express, which is why I used my XXXX XXXX card. Since then I have not seen this credit. I have checked the terms of this benefit and it did not exclude any advance purchases : During each year of your Card Membership ( " reward year '' ), you are eligible to receive up to {$250.00} total in statement credits on your Card Account for eligible purchases made directly with participating XXXX Resorts with your XXXX XXXX American Express XXXX XXXX during that reward year. Your first reward year begins on your account opening date. Each subsequent reward year begins on the anniversary of your account opening date. 
Eligible XXXX XXXX purchases must be made directly with the participating XXXX XXXX and charged to your XXXX XXXX American Express XXXX XXXX account for the benefit to apply. Incidental charges ( including charges made at restaurants, spas, and other establishments within the hotel property ) must be charged to your room and paid for with your XXXX XXXX American Express XXXX XXXX at checkout in order for them to be recognized as XXXX XXXX purchases. Visit hilton.com/resorts for the list of participating XXXX XXXX. Purchases made by both the Basic and Additional Card Members on the eligible Card Account are eligible for statement credits. However, each Card Account is eligible for up to a total of {$250.00} per renewal year in statement credits across all Cards on the Card Account. Please allow 8-12 weeks after the eligible XXXX purchase is charged to your Card Account for statement credit ( s ) to be posted to the Account. Please call the number on the back of your Card if statement credits have not posted after 12 weeks from the date of purchase. Card Members remain responsible for timely payment of all charges. 

I have asked American Express to credit this in a dispute and they have ignored me and violated their own terms and conditions. I have attached proof of the reservation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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. 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Checking or savings account

I received a mailer from TD Bank regarding an account opening bonus of {$200.00}, if I open a TD Bank Complete Checking Account. I opened said account online on XXXX The mailer said I would need to have two qualifying direct deposits totaling {$500.00} within 60 days of account opening. 

I set my work direct deposit to go into the account for {$500.00} every deposit and the first {$500.00} deposit was received by TD Bank on XXXX and a second one of {$500.00} was received by TD Bank on XXXX.

On XXXX I called TD Bank 's customer service and they told me that I did complete the terms of the agreement to receive the bonus as I opened up the account and had the qualifying direct deposits done. The banking rep told me to wait another week as they were going to escalate my issue.

On XXXX, I still had not received the bonus promotion and I sent a secure message through TD Bank 's mobile app. The representative, XXXX, answered me back saying that I had to complete a XXXX XXXXay review per the terms of the account opening promotion. It said in the message, " After you have completed the requirements outlined above, we'll deposit the bonus in our new account on or before 180 days of account opening. '' The XXXX day time limit was on XX/XX/year>. I still did not receive the account opening bonus. 
I sent another secure message through the TD Bank Mobile app on XXXX and advised them that I had not received the promised account opening bonus as their guidelines promised.

I received a reply back on XXXX stating, " We have added your account to our exceptions file. It will be reviewed for the promotion during our next fulfillment cycle, which runs approximately XXXX weeks. '' I find this unacceptable by the bank, as I have fulfilled all the proper requirements they had for me to receive this bonus. I feel like they are just stalling me and are going to keep saying they have to " review '' the account. I feel like there is no resolution going on here. 

Similarly, I opened a checking account with XXXX XXXX with a promotional bonus around the same time, and after about XXXX weeks I received the promotional bonus from them. I know TD Bank has some legal issues going on, so I am a bit doubtful I am going to ever see this promotional bonus.
Product: Debt collection

This is the 3rd or 4th time this debt has shown up on my XXXX  report since XXXX of 2019. I've fought it, disputed it, tried police reports and it continues to get purchased by new debt collectors and resubmitted. Why am I paying for a monthly service to protect and monitor my credit ifXX/XX/XXXXcontinues to " deem the information as accurate '' when I have never lived in Louisiana? I have shown that I have lived here in Ohio my entire adult life yet somehow someone gets a hold of my information in Louisiana at XXXX XXXX somewhere in XXXX XXXX and they decide that it's " accurate ''???? Then when I speak withXX/XX/XXXX they leave notes about my previous complaint like they didn't do anything wrong? Its ridiculous and unacceptable that I continue to pay for a service yet I have to spend my time researching and fighting to clear my name when all they have to do is look at my billing addresses for the past 10 years and know it's not me.
Product: Credit card

Discover at XXXX XXXX XXXX XXXX XXXX XXXX Utah XXXX is reporting on my credit report {$2400.00} which is listed as written off. According to IRS regulation 6050 P, amounts over {$600.00} that are written off, are required to issue a 1099 C. Income is not reported on credit reports. Please provide 1099 C so I can pay taxes to IRS.
Product: Payday loan, title loan, personal loan, or advance loan

We got a call about a loan they said we made. We told them we did not take out a loan. We reported this all to the police and put a hold on all of the credit reporting sites. The company, Advance America, told us they understood it was fraud and would not bill us. Now we are getting letters threatening to put it on our credit report and they are charging fees because whoever took the money has no intention of paying it back. All they have to do is find out who owns the account they sent the money to. Or do a better job of vetting people they are handing out money to.
Product: Credit card or prepaid card

Hello Dear CFPB I applied Chase XXXX XXXX Credit Card and my application was denied and i think its very unfair and wrong decision .I got phone call from XXXX supervisor she told me i have too many cards open and i handled my credit too well and i do not see any negative information on your credit and thats why i will turn down this application. 
basically i was told to not handle my credit as well as i was handling and thus they will denied my credit card application. Also XXXX mentioned i am not utilizing my available credit which is not accurate because i just paid off my Chase XXXX Credit Card which was more then {$4000.00} balance. Please reevaluate my application and make fair decision. 

Thank you