23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Upgrade, Inc is a neobank that claims to offer a non-traditional credit product that is a hybrid of credit cards and a line of credit. However, the features and methods that the company uses to calculate the account balance are convoluted and complex to the point that even the company 's senior management struggles to explain properly.

I'm a former bank examiner who worked at CFPB and FDIC, and currently a bank consultant perhaps I could be biased, but based on my experience with Upgrade , Inc. 's employees and the review of information available, I have reasons to believe that the company is in significant violations of TILA, FDCPA, UDAAP, and FCRA to name a few.

My main concern is the way the company calculates the " balance due. '' For a consumer credit product, it shouldn't take a rocket scientist to figure out whether an account 's current balance due should increase or decrease at the end of the statement cycle ; essentially, if the account holder paid-off whichever amount he spent within the same billing cycle without carrying over any balance from the previous statement cycle, the current balance should not be greater than XXXX, This is NOT the case with Upgrade , Inc . 

Despite walking through several employees, including senior management at Upgrade on some basic arithmetic- if the total credit amount is higher than the total debit amount for the same period, the account balance should not increase ( no carryover ) - they struggle to understand. It was not surprising to see how much they struggled to justify the irregularities in the calculation of the balance due for each statement cycle, despite my total credit amount continuously outpacing the corresponding total debit amount. It is as if Upgrade , Inc. does not count the credit payments but applies ALL debit amounts towards the balance due, which is the only explanation as to why the balance at the end of each billing cycle increases even when I pay off the entire amount, and then some, prior to the end of each month. 

Upgrade not only reports this erroneous balance to the credit bureaus but applies to interest payments and forces me to pay what was already paid. The sad thing is that the company is too illiterate to realize or consistently apply whatever " novel '' way it thinks it found to calculate the balance of this neobank product. 

This company needs to be supervised closely. If they don't fully understand the product it is peddling, then it should not be allowed to operate, let alone advertise, itself or it's faulty products.
Product: Debt collection

Repeated calls from a company for an unknown person through my telephone number. I have spoken to a representative and stated that they are calling a wrong number but calls persist. 
The offending company is calling from XXXX.
Product: Credit reporting or other personal consumer reports

Hello, these inquires and accounts do not belong to me. I have filed an identity theft report and these should be deleted immediately. 

Inquiries : 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 XXXXXX/XX/XXXX Accounts That do not belong to me that need to be deleted that are identity theft. 


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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Collection Agency ... PROFESSIONAL CREDIT SERVICE
Original Creditor Name ...XXXX XXXX
Date Assigned ...XX/XX/2018
Original Amount Owed ...$XXXX

Received a SIM card which did not work for internet access. So I canceled the service. Once cancelled, I was charge $XXXX  for a service that did not ever work..
Product: Credit reporting or other personal consumer reports

XXXX has charged fraudulent late fees and in addition inserted late payments on my consumer report, all payments were made on time, all payments were exact and all payments were made on their respective due date.Opensky has charged fraudulent late fees and in addition inserted late payments on my consumer report, all payments were made on time, all payments were exact and all payments were made on their respective due date.
Product: Debt collection

Springs Oaks Capital LLC is claiming I opened XXXX separate accounts on XX/XX/year> in the amounts of {$620.00} & {$630.00}. However, I have no knowledge of this debt. Spring Oaks Capital LLC is stating that they are the original debtors so I would love to see documentation with my signature confirming these contracts.
Product: Vehicle loan or lease

since XX/XX/XXXX I have a loan with Capital one auto finance, and it's being never being reported from the credit bureaus, I contact Capital One Auto Finance over the phone innumerous times but no resolution, I sent them letters and the last one when requested more evidence was sent on XX/XX/XXXX, and have not answers from Capital one since them. 
This is giving me problem to login on my IRS account and my SSN account since they use our loans to verify identity, The only one Capital One auto Finance had report was the enquiry when I was buying a car.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I submitted the completed form as well as the two pieces of documentation requested. The website stated to expect a reply in 3-5 days. I have heard nothing.

The website also tried to force me to obtain other services before it would let me do what I wanted to do.
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX  and I do not have a contract with LVNV Funding. Additionally, they did not provide me with the original application like I asked. I demand this account be deleted from my credit report. LVNV funding violated 15 USC 1692g when they did not provide me validation of this alleged debt. Additionally, they violated 15 USC 1681 a ( 4 ) which was an invasion of my consumer privacy, when they purchased my personal information. These are only a few illegal actions taken by LVNV. I am demanding they remove this from my credit report.
Product: Credit reporting or other personal consumer reports

CASE # XXXX : I, XXXX XXXX XXXX XXXX HAVE NEVER INITIATED AN ACCOUNT WITH GLOBAL FCU AND/OR ALSKA USA FCU. I DID NOT OPEN ANY TRANSACTIONAL ACCOUNTS, LENDING ACCOUNTS, LOAN ACCOUNTS, OR CREDIT CARD ACCOUNTS IN MY LLIFETIME. 

MY INDENTITY WAS STOLEN, MY DRIVERS LICENSE, SOCIAL SECURITY CARD, AND MY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNTS ALL COMPROMISED AND IDENTITY THEFT RESULTED WITH XXXX XXXX XXXX  ACCESS FROM MULTIPLE COUNTRIES. 

IN 2020, I FOUND OUT THAT AN INDIVIDUAL USING MY CRENDENTIALS FRAUDULANTLY AND WITHOUT PERMISSION ; OPENED ACCOUNTS AND THEN MISUSED THE ACCOUNTS, WHICH ULTIMATELY WAS REPORTED ON MY CREDIT BUREAUS. THE CREDIT BUREAU DEROGATORY MARKS IS HOW I FOUND OUT ABOUT THE FRAUDULANT ACCOUNTS, I IMMEDIATELY NOTIFIED LAW ENFORMECEMENT, FILED POLICE REPORTS, AND HIRED " CREDIT REPAIR '' COMPANIES TO DISPUTE THE FRAUDULANT ACCOUNTS AND DERAGATORY MARKS. 

I AM NOW HANDLING THIS FRAUDULANT MATTER MYSELF BECUASE I AM TIRED OF BEING A LWAFUL CITIZEN, WHO PAYS MY BILLS ON TIME, AND HAS TO SUFFER DERAGTORY AND LESS THEN PERFECT CRDIT DUE TO THE ACTIONS OF A CRIMINAL AND THEIR FRAUDULANT THEFT OF MY IDENTITY. 

I DEMAND THE FRAUDULANT ACCOUNTS, ALONG WITH THE DERAGOTORY MARKS, BE ENTITERLY REMOVED FROM EVER CREDIT REPORTING AGENCY THAT EXISTS, INCLUDING, BUT NOT LIMITED TO XXXX, XXXX, XXXX, XXXX XXXX, AND ALL OTHERS
Product: Credit card or prepaid card

I MADE A PAYMENT TO THE CC COMPANY AND THEY CREDITED TO MY ACCOUNT AS A PAYMENT LIKE NORMAL FOR THE AMOUNT OF {$4200.00} ON XX/XX/2021. THE PAYMENT DID NOT CLEAR MY BANK SO THEY CHARGED MY ACCOUNT BACK FOR THE PAYMENT ON XX/XX/2021 NOT ONCE BUT TWICE FOR THE {$4200.00}. THE FIRST CHARGE BACK I AM NOT DISPUTING- THE PAYMENT DID NOT CLEAR MY BANK BUT THEY CHARGED IT BACK TO MY CREDIT CARD AS A CHARGE ON XX/XX/2021 TWICE FOR {$4200.00}. I BEGAN CONTACTING THE COMPANY IN XXXX. AND HAVE CONTINUED TO CONTACT THEM SINCE WITH NO RESOLUTION. THEY DID SEND A REFUND CHECK FOR SOME REASON BUT THEN CHARGED MY ACCOUNT FOR THE AMOUNT OF THE REFUND CHECK WHICH RESOLVED NOTHING ..... 

I LABELED THE ORIGANAL PAYMENT AS 1 THE CORRECTED CHARGE AS 2 AND THE INCORRECT OVERCHARGE AS 3 ON THE ATTACHED STATEMENT.
Product: Credit reporting or other personal consumer reports

This company : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Is reporting to all 3 credit bureau 's as of XX/XX/XXXX i owe them {$190.00}. This is not my account and I have disputed this before. It was originally with Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. THIS IS NOT MY ACCOUNT IT NEVER WAS MY ACCOUN TO BEGIN WITH, T IT WAS ON MY REPORTS FOR 7 YEARS AND NOW THEY SOLD IT AND A NEW COMPANY I NEVER HEARD OF IS SAYING I OWE THEM NOW, ITS FRAUD! PLEASE MAKE THEM STOP! I HAVE ALSO BEEN EXPOSED TO SEVERAL DATA BREACHES, THIS IS NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

delete this inquiry its not mines they refused too
Product: Credit reporting, credit repair services, or other personal consumer reports

i disputed a account that is not 100 % accurate and they still didn't remove it after the investigated it is still inaccurate. they tell me a need to send in my social security card for identification. But the SSA say SS card is not use for identification. I ALSO UPLOAD THE FORM FROM SSA SAYING SS card is not use for identification. i sent in a bill and my driver license the first time i sent in my dispute. they also said in my last cfpb claim they said The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company. 

they are not working on the issue because they sent me a letter asking me for my ss card. 

i uploaded my consumer report showing that my account is still not % 100 accurate.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my deep concern and dissatisfaction regarding the unsuccessful attempts to remove a charge-off entry from my credit report. Despite multiple efforts to address this matter, the charge-off persists, causing significant distress and affecting my creditworthiness. 

I understand that the charge-off in question is associated with the following account : I have made numerous attempts to dispute and rectify this situation, providing documentation and explanations to support the removal of this charge-off from my credit report. However, it is disheartening to note that these efforts have been unsuccessful. 

I urgently request the following actions be taken : 1. Thorough Review and Verification : Conduct a comprehensive review and verification of the charge-off entry in question, considering the documentation and explanations provided during previous disputes.

2. Communication Enhancement : Improve communication channels to keep me regularly informed about the progress made on my dispute and the steps being taken to address the charge-off.

3. Escalation of Dispute Resolution : If the charge-off is found to be inaccurate or incomplete, I request an expedited resolution and the immediate removal of the entry from my credit report.

4. Compensation Consideration : Given the prolonged inconvenience and the impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations for the stress and disruption experienced.

I understand the importance of accurate reporting on credit files and the role it plays in maintaining the integrity of credit reports. However, the persistence of this charge-off is causing undue hardship, and I am seeking a prompt and fair resolution.

Please acknowledge receipt of this letter and inform me immediately of the steps being taken to expedite the resolution. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assistance to remove this account in my credit file : XXXX XXXX XXXX : {$1300.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified EQUIFAX regarding the hard hit inquiries listed below that I don't recall authorizing. It's been more than 30 days and EQUIFAX has failed to take any action or even give me a response. This is very concerning to me because I am a victim of Identity Theft. 

XXXX XX/XX/2019 XXXX   XX/XX/2019 XXXX XX/XX/2019 XXXX XX/XX/2019 & XX/XX/2019 XXXX XX/XX/2019 & XX/XX/2019 XXXX XX/XX/2019 I am requesting that EQUIFAX conduct an investigation and provide me a copy of the original credit application with my signature & date. Furthermore, I will like to be provided with the name they spoke to during their investigation if the inquiries was authorized by me.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX, which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information from Equifax. 

Please delete the following accounts : 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 or other personal consumer reports

This is my 15th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$460.00} XXXX XXXX XXXX XXXX  {$260.00} 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

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Complaint Against NATIONAL CREDIT SYSTEMS for Violation of Consumer Rights To Whom It May Concern, I am writing to file a formal complaint against NATIONAL CREDIT SYSTEMS for multiple violations of my rights as a consumer. The agency has engaged in practices that directly contravene the regulations set forth by the Consumer Financial Protection Bureau ( CFPB ) and other relevant statutes. 

1. NATIONAL CREDIT SYSTEMS has failed to provide validation information as required by 12 CFR 1006.34 ( b ) ( 5 ), yet they have proceeded to place a collection account on my consumer report. This omission denies me the opportunity to verify the accuracy of the debt they claim I owe. 

2. I have not been afforded the opportunity to dispute the account in accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( I ). This denial of the dispute process deprives me of my right to challenge any inaccuracies or discrepancies regarding the alleged debt. 

3. NATIONAL CREDIT SYSTEMS has resorted to false, misleading, and deceptive means in their collection efforts, thereby violating my consumer rights. Such unethical practices undermine the integrity of the debt collection process and cause undue distress to consumers. 

4. Furthermore, the agency lacks the authority to furnish any account to consumer reporting agencies without adhering to the necessary disclosures mandated by law. By neglecting to fulfill their obligations under 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A ), NATIONAL CREDIT SYSTEMS is flagrantly disregarding consumer protection statutes. 

I demand that the Consumer Financial Protection Bureau investigate these egregious violations committed by NATIONAL CREDIT SYSTEMS and take appropriate action to rectify the situation. Additionally, I request that the agency cease all collection activities until these matters are fully resolved. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently pursue this complaint and ensure that my rights as a consumer are upheld. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX is reporting two late payments back in XXXX and XXXX of 2020 which is incorrect. I received an alert from a credit monitoring service that a late payment was reported. I immediately contacted customer service and inquired why they reported a late payment and I was told they had placed an annual fee on my account and I had not paid it. I explained to the representative that account was closed and that I did not even have an active credit card on that account because it was closed months before. The annual fee and late fees were removed from the account and the account was closed again. I asked if they would correct the late reporting on my credit report and she said she couldn't because I was late. I asked how I could be late for something I did not owe and that was removed from my account bringing my account to a XXXX balance. I reported to the credit bureau and I believe I was retaliated against because they changed the late reporting from thirty days to sixty days. The facts are this account was with XXXX XXXX  and I closed it The XXXX XXXX XXXX  placed a annual fee plus late fees when it went unpaid. I contacted them they removed all the fees but refused to update my credit report.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and would like the the listed information to be removed from my account. XXXX, Equifax and XXXX did not conduct a proper investigation. I have taken the proper steps to have this inaccurate information removed from my credit report. Thank you
Product: Credit card or prepaid card

This complaint involves my Apple Card Mastercard that is managed by Goldman Sachs. 

On XX/XX/2021, a charge of {$240.00} was added to my account from a merchant in the State of Georgia for food and beverages ( see Attachment A ). I was not physically present in Georgia on that day and I did not authorize the charge. On XX/XX/2021, I disputed the charge and a provisional credit was added to my account in the same amount, {$240.00} ( see Attachment 2 ). On XX/XX/2021 the provisional credit was reversed on my account thus resulting in the {$240.00} being added back to my account ( see Attachment 3 ). On XX/XX/2021, I received an email from Goldman Sachs stating that the dispute was resolved in my favor, and that the provisional credit would be permanent ( see Attachment 4 ). The root of the problem is that the provisional credit that I received on XX/XX/XXXX was taken away thus resulting in the {$240.00} staying on my account. The charge was the result of fraud and I should not be held responsible for this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX {$400.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$770.00} XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX/XXXX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

I signed up for a United Explorer Chase credit card on XX/XX/XXXX through the United Airlines website, offering me a {$250.00} statement credit and XXXX bonus miles. I went through the full online application process and received a notification that day ( XX/XX/XXXX ) from Chase that my request had been approved. After booking my flight, I asked to speak to a United agent to see how I would receive my credit. She told me that Chase is in charge of the program and I would receive the credit on my first statement. Subsequently, on XX/XX/XXXX, I called Chase to confirm that the credit would show up against the United flight payment I booked on the card, only to be told that offer the {$250.00} credit would not be honored, and instead they were offering me XXXX bonus miles after spending {$2000.00} in the first three months. When I asked how that was possible given that I had signed up for the {$250.00} offer ( which was in fact the only reason I was enticed to get the card ), she couldn't give me an answer and told me she would take it up with Customer Service who would get back to me. I received a letter dated XX/XX/XXXX from Chase stating that indeed the {$250.00} offer would not be honored, stating that " one must apply through [ the United.com ] channel '' to receive this offer. When I called Chase to explain that I in fact had applied through United.com, I was told there was nothing he could do. After arguing for a while, I decided to simply cancel the card and file a complaint rather than wasting any more time with them. This seems like classic " bait and switch '' advertising that in my view is outright fraud. Not only should Chase lose my business for treating customers so poorly, but I believe they should be otherwise fined or publicly reprimanded to help other customers avoid being duped.