23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Using cash app I was to purchase Bitcoin and then send it to this cash app address : XXXX I sent {$260.00} on XXXX and {$70.00} on XXXX to XXXX XXXX XXXX. He was supposedly the one who upgrades software for this job opportunity at XXXX XXXX. I was referred to him by a XXXX XXXX.
Product: Debt collection

Dear Sir/Madam, I am writing to dispute the validity of the collection account listed on my credit report. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) under 15 USC 1692 and the Fair Credit Reporting Act ( FCRA ) under 15 USC 1681, I request validation of the debt you are attempting to collect. 

The account details are as follows : 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 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 It is imperative that you provide validation of this debt as per my rights under the FDCPA and FCRA. Specifically, I request the following documentation : Verification of the debt, including the original creditor 's name and address. 
Proof of your authorization to collect this debt. 
Documentation showing the agreement between me and the original creditor regarding this debt. 
A complete payment history, detailing all transactions associated with this account. 
Any agreements or contracts pertinent to this debt. 
Please be advised that the reporting of unverified or inaccurate information to the credit bureaus violates the FCRA. If you can not provide substantial validation of this debt, I demand that you remove it from my credit report immediately. 

I expect a response within 30 days of the receipt of this letter, as mandated by the FCRA. Failure to provide adequate validation within this timeframe will result in further actions to protect my rights, including filing complaints with the Federal Trade Commission and the Consumer Financial Protection Bureau. 

Thank you for your prompt attention to this matter. I anticipate your timely response.
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 confidentially under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXX, account # XXXX has 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 a account without my written instructions 15 U.S.C 1681C ( a ) ( 5 ) section : 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 consumer to any consumer reporting agency if the person knows or has reasonable causes to believe that the information is inaccurate.
Product: Mortgage

Chase Mortgage has failed to pay escrowed coastal flood insurance premium each of last 2 years. Have called and attempted to rectify with Chase but they are not interested in researching why this is happening nor do they offer to rectify situation.
Product: Payday loan, title loan, or personal loan

Multiple attempts were made to resolve and reason with Upgrade , IncXXXX, most recently on XX/XX/22. They refuse to even respond. 

1 ) Company intentionally provided false information to try to induce a loan. I would have said it may have been more of an inadvertent error. Unfortunately, where the company has utter refused to respond to the issue, take any responsibility, or escalate as requested numerous times, it strongly appears the false information was intentionally given. 

Specifically, the company stated that I could add a memo line or notation on the purpose of the loan for loan paperwork as a way to get me to proceed with applying for a personal loan. Later, when moving to final stages, something seemed amiss, and the company finally admitted they were not going to allow a memo line. I very narrowly avoided taking out a loan that was falsely induced. 

Unfortunately, this caused substantial damage to me. There was no longer time for me to find an alternative provider in time for a deadline. I tried tried with another provider, but they took too long for me to proceed. This caused me to miss a reimbursement opportunity for the loan, and it cost me around {$4000.00} in missed reimbursement opportunity and around {$3500.00} paying for something myself because Upgrade, Inc. lied and such was discovered too late for me to take part in a reimbursement opportunity through my employer. 

2 ) Upgrade , Inc. has repeatedly refused to close my account. There are no active loans etc. They do not have the right to refuse this. And it compromises my personal security to have an account remain open, tied to my email address. They ridiculously sent repeated auto-responses demanding I call them. I gave more than one request/demand in writing. That was sufficient. 

3 ) Upgrade , Inc. refuses to address issues, even fully read requests, or escalate issues. Now, they don't reply and just close support tickets. 

4 ) They continue accessing my credit file without having right or legitimate business interest. They refuse to stop a product to show consumers some type of credit score. They refuse to even respond.
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 federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : XXXX Account Name : DEPT OF EDUCATION/XXXX  Account Number : XXXX Account Name : DEPT OF EDUCATIONXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or 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 reporting or other personal consumer reports

I am writing to formally dispute two late payments reported on my credit reports by the Credit Reporting Agencies ( CRAs ). These late payments are inaccurately reflected in my credit history, and I request an immediate investigation and correction of these errors pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

The details of the disputed accounts are as follows : XXXX. Creditor Name : XXXX XXXX XXXX  Account Number : XXXX Date of Alleged Late Payment : XXXX XXXX  XXXX. Creditor Name : XXXXXXXX XXXX XXXX Account Number : XXXX Date of Alleged Late Payment : XX/XX/2024 According to the FCRA, specifically 15 U.S.C. 1681i, the CRAs are required to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Additionally, 15 U.S.C. 1681s-2 obligates furnishers of information to report accurate information to the CRAs and to correct any inaccuracies they discover.

I have reviewed my records carefully and have found that the information reported by the CRAs regarding the above-referenced accounts is incorrect. I have never been late on these accounts, and I have enclosed copies of my payment records as evidence.
Product: Money transfer, virtual currency, or money service

XX/XX/year> XXXX XXXX. XXXX {$570.00} payment to XXXX XXXX ( son-in- law ) from Chase. Recipient changed to XXXX XXXX ( XXXX ) and sent. 
XXXX XXXX. Chase message that recipient changed. 
XXXX XXXX. Called Chase ( XXXX ) because recipient is unknown to me. Told to call Claims next day XXXX XXXX. Called XXXX ; left message to please call me XX/XX/year> XXXX XXXX. Called Chase again. Transfer now pending. 
XXXX XXXX. Called Chase; told that it looks like funds were declined. Told to call XXXX ( XXXX ) for estimate to get money returned. 
XX/XX/year> XXXX XXXX. Called XXXX; told funds have transferred. 
XXXX XXXX. Called Chase. XXXX transferred me to claims. Told to try talking to XXXX, that they would try to contact her. Gave her XXXX contact info. Told its possible I cant get the money back. Unable to explain how a total strangers info got on the XXXX transfer page.
Product: Debt collection

I am writing to bring to your attention a matter of significant concern regarding my credit report. After a thorough review, I have identified several accounts that I believe are a result of identity theft. I demand the immediate removal of these accounts as the reporting entities have failed to provide sufficient evidence to verify the legitimacy of the debts. I have attached copies of my Federal Trade Commission ( FTC ) Identity Theft Report, filed under report number XXXX, as well as supporting documentation to substantiate my claim. I request a thorough and immediate investigation into this matter, and I insist that you comply with the FCRA by removing these inaccurate and fraudulent accounts from my credit report. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I am the primary complainant in this matter, and I hereby grant full authority to the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate and address this claim.
Product: Debt collection

I have received calls from Midland Credit company since XX/XX/2015. They do not ask for me by name but say they are trying to collect a debt. The same number of this company has called me every day for the last several weeks. The number they used before in XX/XX/XXXX was XXXX. They are now calling from XXXX. I spoke to a manager XXXX XXXX and requested that they remove my number from their call list. This is the third time I have ask them to quit calling my number. They have never complied. I HAVE NEVER GIVEN THEM MY NAME AS THEY DONT ADDRESS ME BY NAME! All these people have is my phone number to continue to harass me. They all sound like they are from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. I need the following accounts to be removed immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I am unable to verify my identity even though I answered the questions accurately. This has happened with Equifax and XXXX ; I had no problems with XXXX. It looks like someone opened accounts using my information and obviously I do not know any of the information pertaining to the debtors.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX we were notified of a data breach and put freezes on my credit with all 3 credit companies. We applied for a car loan who uses Experian on XX/XX/XXXX and was informed of a fraudulent account opened with acima for {$8600.00} ish. The account was sent to collections XX/XX/XXXX. We had no knowledge of the account being opened. How was the account even opened when the credit was supposed to be frozen? I literally had to unfreeze it TODAY. It has been frozen for the last year. Tried calling Experian multiple times. No help. This has hit my credit hard. What is the purpose of a freeze If they're negligent and allow accounts opened anyways?!
Product: Debt collection

I am currently under chapter XXXX Bankruptcy proceedings, which was filed on last XX/XX/XXXX. I  had included a debt from XXXX XXXX XXXX TV programming in the amount of {$350.00} and had the Bankruptcy court notify them and their collections agencies at the time via The Court proper channels. But out of the blue on XX/XX/XXXX I received an email to my private personal email account without my authorization from Stellar Recovery, INC. demanding payment for such account. After immediately contacting them and explaining that they were trying to collect on an account that was already included in chapter XXXX US Bankruptcy court and had no business collecting on, I was assured in writing by one of their employees that " they will remove '' all of the negative information from the credit bureaus. Today is the XX/XX/XXXX, a month later and nothing has been updated with the credit bureaus as of just yet. What is more infuriating is the fact that this collection agency, went as far as reporting this to the credit bureaus as a new account altogether on XX/XX/XXXX in total violation of the US Bankruptcy Court, and this was without waiting from a response from me personally, which by law it should had been 30 days after receiving notification from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've tried multiple times since XX/XX/2019 to have my credit reports pulled by XXXX XXXX. They are attempting to do a 3-bureau pull, and resulting with no scores due to the fact that one of my reports is frozen. I believe my Experian report is frozen despite my repeated thaw requests. Both of the other credit bureaus report my status as not being frozen on their websites. The websites are well designed, user friendly, and informative, as I would expect from a company of this importance. Experian 's website does not offer the ability to query status of report availability, only the option to " freeze '' or " unfreeze ''. I have emails from Experian stating that my report has been requested to be unfrozen, but no real confirmation online. It's been five days. 

The complaint : The worst part of all this? There seems to be no possible way to talk with a human at Experian. All of their phone numbers are endless loops of automated prompts to information that can't help me. Every combination of answers leads to a dead end, with no ability to speak with a representative. Further, there seems to be no email address that I can find on the site for customer support. And there of course is no online chat capability. 

Am I missing something? This company has been entrusted with our most valuable personal information, and they are both unreachable and unaccountable. Can someone please help me simply contact a representative of this company?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit reports are different when compared with my XXXX and transunion is completely different compared to other two. 

I do not have any closed accounts and still these credit reporting companies show as closed accounts Transunion - inaccurate information on my credit XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - inaccurate information on my credit report XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX - inaccurate information on my credit report XXXX. XXXXXXXX XXXX
Product: Debt collection

Earlier this year, I received medication management services during a time of crisis. I reached out to XXXX XXXX XXXX XXXX, as my provider was unavailable, and was informed that someone else would be in contact with me. However, there were delays, and I ended up in a crisis situation which required immediate attention. Consequently, I contacted the company to cancel my appointment due to my inability to function and take care of myself physically and mentally. Friends had to come and assist me, taking me out of state, and I ultimately ended up back in the hospital. It's important to note that my mental state during this period was compromised. 

Despite not authorizing any further appointments, I discovered that the company went ahead and scheduled one for me. To my surprise, I received a charge for this unauthorized appointment that I did not book in the first place. I strongly believe that I am being wrongfully charged in this situation. 

Meanwhile, I am currently receiving treatment and struggling to function properly. Unfortunately, the company decided to involve a debt collector, and they have been contacting me and even reaching out to family members who have no involvement in this matter. They have been asking personal questions, which I find inappropriate and intrusive. 

I have already sent a letter in the mail requesting information about their authority in my state, a detailed debt statement, and an explanation as to why they believe I owe this debt. I explicitly stated that they should cease all communication with me at the provided address if they can not provide this information. Despite this, they chose to disregard my request and emailed me instead. I feel extremely harassed after clearly expressing my desire for them to stop contacting me unless they provide the requested information. 

I want to emphasize that this charge is fraudulent in the first place, and the actions taken by the debt collector are highly concerning. I kindly request that you address this matter promptly and provide a fair and just resolution. Thank you for your attention to this urgent matter.
Product: Debt collection

Inaccurate Account : AWA Collect XXXX Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection account on one here 's consumer report.

One here has not been given a chance to dispute those accounts according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) This agency XXXX XXXX has violated my consumer rights by using false and misleading misrepresentation and deceptive means. 

Collection agencies have NO AUTHORITY to furnish any accounts to a consumer reporting agency without first providing ANY and ALL disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S-2
Product: Checking or savings account

On Thursday XXXX XX/XX/year>, I contacted Chase Bank regarding a suspicious charge of {$500.00} from a XXXX XXXX XXXX XXXX XXXX. The Chase employee stated that he was submitting a claim to stop the payment and cancelling my card. I was advised that a temporary credit would be placed on my account for {$500.00}. The following day XXXX XXXX, I contacted Chase again because the charge was still on my account. I was advised the previous agent did not submit a claim and there was no history of me making that request. The previous agent only cancelled my card. The agent then refused to submit a claim. I requested an escalation of the call at which point I was placed on hold. I was then advised that they will submit the claim and that the refund would take a business day. I contacted Chase again on XXXX XXXX and was advised the refund would be placed on Monday XXXX XXXX by the end of the business day. The morning of Tuesday XXXX XXXX, I noticed no refund for the {$500.00}. I also noticed duplicate charges from XXXX pay ; one for {$410.00} and {$400.00}. These appear to be duplicate of charges from XXXX. My account is now overdrawn {$1100.00}. All of these charges are fraudulent but your customer service has done nothing to resolve this. I requested an investigation for the missing {$500.00} as well as the XXXX XXXX charges of {$400.00} and {$410.00}. None of the customer service agents I have spoken too has been able to resolve this at all. This is fraud possibly being conducted by an employee. I have already notified my employer : XXXXXXXX XXXX of this fraud and will be contacting the States Attorney. This looks to be done internally and possibly an employee messing around with my account. I will also be cancelling my direct deposit until the origin of this fraud is determined.
Product: Credit card

On XX/XX/2024, I addressed a {$6000.00} Bank of America access ( convenience ) check to my husband into our XXXX XXXX account. On XX/XX/2024, I received a fraud alert call from BOA regarding this transaction and prompted to call before XXXX EST to authenticate that I did indeed write this check. I spoke to XXXX in BOA, around XXXX EST, to verify that I authorized the check and repaid my other debt of {$900.00}. She reassured me the funds were approved. 

On XX/XX/2024, I received an email from XXXX XXXX regarding an overdraft of my account and called Bank of America due to the {$6000.00} being cancelled. I spoke to XXXX of the BOA fraud department around XXXX EST to discuss this mistake. She was unable to credit my account and noted that I did speak to BOA the day before to authorize this transaction. She told me to call the BOA Sales Department to rectify the money. 

On XX/XX/2024, I spoke to XXXX of BOA Sales around XXXX EST to discuss this mishandling of my money and had to authorize a cash direct deposit of {$6000.00} to fix the access check mistake. I asked if she could waive the transaction fee as BOA made a mistake and I would appreciate the courtesy since I have banked with BOA for near 30 years. She was unable to waive the fee, claiming that the fraud department handles that. 

Later at XXXX EST, XX/XX/2024, BOA Fraud department called me again to verify that I had a deposit of {$6000.00} with a case number associated. I called back at XXXX EST to speak with XXXX to again authorize and authenticate that I did ask for the direct deposit in lieu of the mishandling of the {$6000.00} check that was the original reason for why I called. I asked again to waive the transfer fee and she claimed that Sales does this after the transaction has been deposited. 

Now, XX/XX/2024, I spoke to XXXX in sales BOA at XXXX EST asking to waive the transaction fee for all the trouble I was put through. She was unable to waive the fee due to the promotion and validated that I did speak to XXXX on XX/XX/2024 on time and acknowledged and apologized for the mistake. 

I had followed the directions Bank of America asked of me, by calling before XXXX EST to authenticate the {$6000.00} check only to have it cancelled. Then having to go through a similar process and questioned of validation was overkill and frustrating. All I wanted was the courtesy of a waived fee for their mistake and they refused.