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

Subject : Complaint Against Upgrade Inc. for Violations of Fair Credit Reporting Act ( FCRA ) and IRS Regulations Regarding Debt Reporting and 1099-C Issuance To Whom It May Concern : I am submitting this formal complaint against Upgrade Inc. for failing to comply with applicable federal laws, including but not limited to the Fair Credit Reporting Act ( FCRA ) and IRS regulations regarding debt cancellation reporting.

Complaint Details : 1. Failure to Provide IRS 1099-C Documentation : The account in question, reported as a charge-off, has been written off, as reflected in the credit reports. If the debt was canceled, Upgrade Inc. is required to issue a 1099-C to me and the IRS as mandated by the IRS regulations . 
To date, no such documentation has been provided. 
2. Potential Double Reporting and Collection Violations : Despite the charge-off, Upgrade Inc. continues to report this account to credit bureaus as owed and delinquent. If a 1099-C has already been issued, continuing to collect or report on this debt constitutes double-dipping, a clear violation of IRS regulations and FCRA provisions requiring accuracy in reporting.

3. Failure to Validate Debt Upon Request : Attempts to obtain full validation of the debt, including proof of ownership, payment history, and any transfer or sale of the debt, have gone unanswered or insufficiently addressed by Upgrade Inc . 

Requested Resolution : 1. Provide a complete response regarding whether a 1099-C has been issued for this debt and a copy of the filing if it exists.

2. If a 1099-C has been filed, immediately cease all collection and reporting activities related to this account.

3. If the debt has been sold, provide proof of the sale, and verify that Upgrade Inc. is not continuing to claim the same debt.

4. Remove all inaccurate reporting from credit bureaus and confirm compliance in writing. 

Failure to address these concerns promptly will result in escalation to state and federal authorities. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I was XXXX  in Minnesota XXXX and while in XXXX  a family member had access to my information and opened accounts with places without my consent or knowledge. I am working diligently to get my life back on track and I want these fraudulent accounts removed. I have made minimum payments to this account to prevent further damaging information from being furnished to the bureaus, but it is not my debt.
Product: Debt collection

To resolve this matter, I respectfully request the Consumer Financial Protection Bureau ( CFPB ) to take the following actions : Full Validation of Debt : Require XXXX XXXX XXXX  to provide comprehensive documentation validating the alleged debt. This should include the name of the original creditor, a detailed breakdown of the debt amount, and proof of their legal authority to collect the debt. 
Immediate Cessation of Collection Efforts : Ensure that XXXX XXXX XXXX immediately halts all collection activities and communications with me until they provide proper debt validation as required under the Fair Debt Collection Practices Act ( FDCPA ). 
Immediate Removal from Credit Reports : XXXX XXXX XXXX XXXX  to immediately remove any inaccurate or unvalidated entries related to this debt from my credit reports with XXXX, XXXX, and XXXX. 
Confirm that XXXX XXXX XXXX will not re-report this debt to the credit bureaus unless it is fully validated in compliance with federal law. 
Investigation into Compliance Practices : Conduct a thorough investigation into XXXX XXXX XXXX practices to determine if there is a pattern of non-compliance with the FDCPA or other consumer protection laws. Impose penalties or corrective measures if violations are identified. 
Consumer Protection Assurance : Provide written confirmation that this account will not be pursued further unless legally validated, ensuring my rights as a consumer are upheld under the FDCPA.

By addressing these concerns, I aim to restore the accuracy of my credit report, halt unwarranted collection activities, and ensure XXXX XXXX XXXX complies with federal laws governing debt collection practices. 

Thank you for your prompt attention to this matter.
Product: Credit reporting or other personal consumer reports

I initially tried to enroll for Social Security, but failed the questions to be enrolled over the phone. i did not understand how the information I was being asked, Name, Address, SSN, and City of Birth could be wrong. About the same time XXXX emailed about my credit report so I checked into that. I had to pay for their services to see the detail of my personal data. This information was riddle with inaccuracies s.a. previous addresses, employers, and Aliases. For another fee, I could look at the information held by XXXX and XXXX. That information was all significantly inaccurate as well. Additional, the agencies, use this inaccurate information to validation my identity incorrectly, rendering me unable to correct my information. This leaves my only remedy to correct this mis-information is to purchase they products. What a convenient system, all the Credit Agencies mis-state my information, the charge me to fix it. My issue is im being represented by over 10 names there is no way I can be 10 people and they have yet updated my information which is against my rights and violate at lease FCRA laws. My other issuse is I have over 20 telephone numbers that i have never seen before being reported my only number ends in XXXX. My only address beings with XXXX I will attach proof of the only one spelling of my name that represent me and not imposters. If all of this information is wrong and being reported to misrepresent me that goes to show you how inaccuraute the system that is supposed to protect the people is, I deserve to be represented correctly as XXXX am not affilited with employers I have never heard of I have tax returns to prove it. Remove
Product: Credit reporting or other personal consumer reports

In accordance with 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. 

Account Name : XXXXXXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card

in XXXX of 2024 i tendered my payment to navy federal credit union. their reponse to me was they do not accept that form of payment. im submitting this complaint because XXXX XXXX XXXX seeking to XXXX XXXXXXXX XXXX. i have not only provided them with my promissary note via my original credit application, but i am entitled to recieve interest on the coupon payments i recieve each month. These are notes I am able to collect pursuant to the indenture agreement they have on file with the SEC. Pursuant to UCC 3-604 if the instrument, notes, or any tender of payment is rejected, surrendered, or mutilated, i am able to consider the debt discharged. I am able to send the notes every month. Navy federal can be assured all obligations I incur will be tendered as a form of payment and i will never become delinquent. I also have an XXXXXXXX XXXXXXXX at my disposal who is willing to testify to their securitization tactics. If my concerns are not addressed I will report the cusip number and other relevant information to the SEC. their prospectus clearly states the notes will not be placed on the secondary market.
Product: Debt collection

I have no knowledge of the alleged debt. I have never entered into any contract or agreement with XXXX XXXX XXXX. I have not received any written communication from XXXX XXXX XXXX which is a violation pursuant to 15 U.S.C 1692e False or misleading representations. 
( 10 ) The use of any false representations or deceptive means to collect a debt or obtain information concerning a consumer.

This is also an alleged medical debt which pursuant to HIPPA Laws is a violation of my conusmer rights. XXXX XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the XXXX XXXX XXXX should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
Product: Checking or savings account

Goodmorning my name is XXXX XXXX, I have had my account wrongfully closed and I still have funds remaining in there. I have sent out the required documents which you can find below again on why the XXXX  transactions was being sent to me. I live with 3 other people whom have agreed to send me their rent money every month as you can see the evidence listed below. Please do not ask me to resubmit the documents that I have submitted multiple times already I am looking for an solution, it has been since XXXX  and you guys are holding all of my funds and me and my roommates rent money hostage. I am asking for a solution here this time I provided every single thing I can.
Product: Money transfer, virtual currency, or money service

Coinbase wont let me remove my money from my usd wallet
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. SYNCB, Inquired on XX/XX/2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Product: Checking or savings account

My checking was hacked and funds were fraudulently withdrawn from my account. PNC ( apparently ) denied my dispute. PNC closed my account with a negative balance, stating abuse, with zero notice. Now, my account is being reported to XXXX XXXX stating that I have an unpaid balance, even though it was paid later. The account was negative for 22 days before being closed and reported as charged off. Didnt even give me the courtesy of 30 days which then couldve resulted in being paid prior. I was never even given an option or chance to pay prior to the account being closed. I was never notified of anything other than a 20 day late notice, but I was under the impression the investigation was still being investigated. I spoke to the branch, and they confirmed that the letter was never sent.
Product: Credit reporting or other personal consumer reports

I have been unable to review any of my consumer data ( reports, scores, disputes, updates ) when logged into my Equifax account on their website for the last several months. I was told upon providing a copy of my SS Card and other Identification the issue would be resolved. They did receive everything they requested from me, as well as some additional copies of mail pieces verifying my residence, and additional photo identification. 

This has become extremely inconvenient. I am recovering from the repercussions of identity theft and not having access to my consumer file and all related data/securities is making it very difficult to get established back on solid ground.
Product: Credit reporting or other personal consumer reports

As a consumer, I did not conduct any of those transactions I did not authorize any of those I demand immediately that those accounts be removed or each account that is reflecting on to my report, I will restart requesting {$1000.00} for each inaccuracy that has been reported onto my consumer report. According to, 15 U.S. Code 1681n - Civil liability for willful noncompliance any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.
Product: Credit card or prepaid card

Have two credit cards/debit card that were stolen last night XX/XX/2020. One for XXXX XXXX and one for XX/XX/XXXX debit. 

Charges were all done last night for XXXX, XXXX, XX/XX/XXXX, charges amount from {$0.00} to {$32.00}.
Product: Bank account or service

I am a Bank of America depositor with investments via their Merrill XXXX program. My wife is a joint acct holder on the BoA accts and has an IRA via Merrill as do I. BoA offers a Preferred Awards program for their depositors, which earn rewards at different levels for the different accts and amount on deposit, Gold= $ 20-50K, Platinum= $ 51-100K. etc. ALL of their published literature says the amount calculated is the COMBINED AMOUNT OF ALL ACCOUNTS, ON DEPOSIT WITH BOA AND MERRILL. 
Our joint check and MM savings totals avg ( 90days ) $ 25K, JOINT IRA= $ 3K, My IRA= $ 17K, my spouse= $ 38K, ALL of this totals over $ 51K, making us eligible for the $ 50K, or Platinum Tier level rewards. BoA says, not so, I am enrolled in Gold and My spouse is enrolled in Platinum as HER balances, ( which include our Joint Acct ) exceeds $ 51K, but mine do not. And HER Debit card earns rewards at XXXX level and Mine earns at a lower level ( rewards ) The BoA rep says accts can not be combined and ONLY Individual accts count! That is NOT what is published.
Product: Debt collection

The caller identifies herself as XXXX XXXX whom I have researched and discovered works for ACT ( Accounts Control Technology , Inc. ). She calls my wife and I from different numbers with our respective cell phone area codes ( mine : XXXX hers : XXXX ). My wife and I have both told her to stop calling us yet she continues to call multiple times a day, the most recent being this morning ( XXXX XXXX, XXXX ) after I spoke with her several days prior. This individual is calling regarding my adult ( almost XXXX XXXX XXXX ) daughter. This individual, XXXX XXXX, has also called individual ( s )  at MY place of employment asking about my daughter whom they do n't know, have never met, and vice versa! I think there has been a very serious violation of MY rights and privacy, especially with this individual calling my place of employment. I would appreciate you following up on this matter asap and put a stop to XXXX XXXX 's continued violation of my rights and privacy. She has contacted several of our family members as well using my wife 's name. My wife 's sister was also called on a number with her area code of XXXX but provided with the number XXXX as a call back number. 
XXXX XXXX should be severely reprimanded for contacting my place of employment and her continued harassment of our family members that have told her to stop calling! 
Thank you for your time.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  {$2400.00} Requested removal of this fraudulent account listed on my credit report. XXXXXXXX XXXX failed to supply supporting documentation regarding their investigation. I requested a copy of the contractual agreement, account opening statement, information regarding the opening of this account name, address, phone number etc XXXX XXXX  failed to supply this information & is still reporting false information currently negatively impacting my credit score.
Product: Credit reporting or other personal consumer reports

Hello! My name is XXXX XXXX and I would like to make a complaint to all three consumer reporting agencies ; TransUnion, XXXX and XXXX. Below is a comprehensive breakdown of my complaint. 

Section 602 A of the Fair Credit Reporting Act, 15 USC 1681, states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' TransUnion, XXXX and XXXX are consumer reporting agencies and I am the Consumer. 

According to 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information to consumer reporting agencies are prohibited from providing inaccurate consumer information.

Additionally, 15 U.S. Code 1681e mandates consumer reporting agencies to uphold reasonable procedures to prevent violations of the FCRA, limiting consumer report furnishing to specified purposes. However, TransUnion, XXXX, and XXXX fail to meet these requirements. 

- Inaccurate Information : Despite legal obligations, TransUnion, XXXX, and XXXX furnishes inaccurate consumer information, violating the FCRA 's accuracy requirement. 

- Lack of Reasonable Procedures : TransUnion, XXXX, and XXXX does not maintain reasonable procedures to ensure data accuracy and compliance with FCRA standards, as outlined in 1681e. 

By not adhering to these statutes, TransUnion, XXXX, and XXXX jeopardizes consumer rights and undermines the integrity of credit reporting systems. This non-compliance warrants investigation and corrective action by the Consumer Financial Protection Bureau ( CFPB ) to protect consumers ' interests and ensure fair credit reporting practices.
Product: Credit reporting or other personal consumer reports

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

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agencyshall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Delete this collection Account immediately because of violation of 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ), and 15 USC 1681e ( b ).
Product: Debt collection

On XX/XX/XXXX, I received a letter from Linebarger Goggan Blair & Sampson, LLP,  stating that my Driver 's License " may be suspended '' and that I owed {$380.00} for XXXX to XXXX County Clerk of Courts. On XX/XX/XXXX, I called the number and spoke to a XXXX that stated they had been hired by XXXX Clerk of Courts. 

I explained to XXXX that I had already gone to court for the issue and the case was dismissed since I showed proof that I was not in possession of the vehicle running tolls. 

I have been in contact with the XXXX Clerk of Courts, Traffic Division, in addition to the Toll Authorities regarding these issues several times. On XX/XX/XXXX, I called and emailed the Toll Authorities in  addition to requesting yet another court date for the same issue, same vehicle, different ticket and never heard anything regarding another court date. 

On XX/XX/XXXX, I recalled the Toll Authorities again and it was verified that I did request another court date. I was also informed there was a 3rd toll ticket pending for the same vehicle, different date. 

Today, XX/XX/XXXX, I sent numerous communications to XXXX Clerk of Court, asking for the Name and Contact Information for the Hearing Officer since they advised me on XX/XX/XXXX, that they never received another court hearing request and I would need to contact the hearing officer. 

What they did not receive was another {$20.00} to keep my license unsuspended until a second court date was scheduled.
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 violate 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 proce 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.
Product: Vehicle loan or lease

I purchased a vehicle in XX/XX/2022 through XXXX XXXX of XXXX. The bank to finance the loan was Santander USA. 

In XXXX, my personal bank account was hacked multiple times and I had to adjust accounts and along the way, missed setting up the auto pay for the car payment. 

I had made a total of 1 full payment at that point. 

On XX/XX/2022, my car was repossessed due to failure to pay. I called immediately, and offered to pay the past due balance. They refused to accept it, and stated I had to pay the loan off in full ( XXXX ) in order to redeem my car. 

I attempted to work with a couple of other banks and a co-signer to refinance the loan elsewhere, but because the payments are not current, other lenders won't take it. 

Santander refused to accept payment to make the account current, stating I could only do so by paying the full loan amount. 

I am a single mother after a messy divorce trying to get her life back on track. The bank refusing to work with me to assist the situation, despite my having the funds on hand to rectify it, is abuse.