23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The company Upgrade Inc with XXXX XXXX located at XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX CA. 

I got a debt consolidation loan from them in XXXX of 2022. I had my auto pay set up. Then In XX/XX/2022, the Autopay came out on the wrong day, so payment failed. I then Set up a payment for the XXXX, in which posted successfully. Then again on XX/XX/XXXX Upgrade took another payment, Unauthorized from me. I then had to call, they did agree to refund me, then explained it will take up to 10 days to do. Which after an unauthorized payment is ridiculous. After this i took my auto off and confirmed it over the phone it was shut off. 

With Autopay shut off, upgrade on XX/XX/XXXX took an unauthorized payment again. This payment i had called and had asked why it was taken without my authorization. They had no answers just like before. Again offered to return it in 10 days. I said no, as i was planning to make the payment that week anyhow. 

Now, XX/XX/XXXX they took a payment, unauthorized. Then again on XX/XX/XXXX they took another payment untheorized. I called on XXXX XXXX to ask why this keeps happening and again, they have no answer. All payments were for {$200.00}
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XX/XX/year> to XX/XX/year> to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Debt collection

On XX/XX/2017 i was about to take out a SBA loan and i got a message that i have some sort of collection on my business I had no clue what it was so i called and they said that its for a bill from XXXX  XXXX, i didn't remember not paying or anything BUT i didn't have even the time to investigate so i just paid the {$540.00} just to get over it ( see attached sheet ) Now is 2 years later ( i'm thinking to renew my loan ) I went to check my business report and its still there as an unpaid Balance!!!!! 

I also don't commit not to sue the company for the highest amount possible for damages of all kind
Product: Debt collection

NAVY FEDERAL CREDIT UNION CONTINUES TO VIOLATE THE DODD-FRANK WALL STREET REFROM AND CONSUMER PROTECTION ACT. FALSELY THREATENING LEGAL ACTION, WAGE GARNISHMENT WHEN IT HAS NO AUTHORITY TO DO SO, AND VERBAL THREATS OF LEGAL ACTION. ALSO MISREPRESENTING ITS INFLUENCE ON A CONSUMERS CREDIT RATING BY IMPLYING THAT IT COULD RAISE OR LOWER THE RATING OR AFFECT A CONSUMERS ACCESS TO CREDIT, IT HAS BEEN IMPOSSIBLE TO OBTAIN FURTHER CREDIT BECAUSE OF THE NAVY FEDERAL IDENTITY THEFT ACCOUNT ON MY CREDIT REPORT.
Product: Debt collection

Credit Corp solutions-Contacted a number not listed on application of debt. I believe they are phishing and contacting people who may be associated with my name online as possible friends or family. Told the company to contact me directly via the contact provided to original debtor. Told them to stop phishing and searching the internet for contact related to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I opened a XXXX XXXX XXXXXXXX credit card from an offer I got on XXXX XXXX. I didn't use the card for months, then eventually booked a flight that costed {$86.00}. Because I never had used the card, I completely forgot that I used it that ONE time. I NEVER received a bill. All of the sudden, I received an alert from XXXX XXXX that I had a late payment for not paying for three months. I actually couldn't even remember what it was for and I thought they were charging me an annual fee. I immediately cancelled the card and paid the {$89.00} ( {$86.00} plus some fee ). I have literally NEVER been late to pay a bill in my entire life and this can be verified on my credit report. It is the fault of XXXX XXXX XXXXXXXX. They NEVER, EVER sent me a bill and that is how I know when things are due. I expect creditors to actually send me a bill so that I can pay them on the due date. This did not happen. Had they sent me a single bill over the course of three months, the bill would have been paid on time. I had an exceptional XXXX score and now it has dropped signficantlly all due to one XXXX XXXX XXXX payment of {$89.00} which I was never bill for!
Product: Payday loan, title loan, or personal loan

I had loans with this company in XXXX thru XXXX. I was trying then to as always establish my Business and my creditors were not reporting my actual payments. 
I have been trying to get good credit for my intire life it seems and have hired so many people and companies to help me achieve this goal.XXXX   XXXX was a great way to get my credit score and build my business credit. I have had 9 loans with them and paid them all on time. Once again, I went to them for help and was told on XX/XX/XXXX that I would not be able to get a loan .That my past loan into XXXX XXXX, my 10th loan I had never made a payment on and was still on my credit report and keeping me from able to get a new loan with them. I was told that because of that it was still on my credit even after 11 years. After I was told that I could not get alone I asked them to remove the credit inquiry hard and wiry for my report. They tell me that they weren't able to and I explained that they were and they could. I told them when I went in that I had them before and that always pay off my loans. They called me twice in the same week of XX/XX/XXXX. I win in only to find out that it seem like they called me on purpose to get me in to restart the loan that they said I didn't pay off that I don't remember ever applying for.
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed below do not belong to me. They are the result of the identity theft done to me when my wallet was stolen. These must be removed immediately. I already filed an FTC complaint and also complaint to law enforcement. I provided the name of the dark web company that stole my information. 

XXXX XXXX XXXX {$65.00} Opened XX/XX/XXXX XXXX XXXX XXXX   {$0.00} Opened XX/XX/XXXX US Department of Education/XXXX {$0.00} XX/XX/XXXX
Product: Debt collection

To who it may concern, I am writing to dispute the validity of the alleged debt associated with the above referenced account. Under the Provisions of the federal Fair Debt Collection Practices Act, and the Fair Credit Reporting Act, I hereby exercise my rights to request that all communication pertaining to this dept be ceased and desisted immediately. 

It has come to my attention that you have been attempting to collect this dept from me, and per my rights granted by consumer protection laws, I am demanding that all communication cease with me, my family member, friends or my employer concerning this or any other purported debts you claim I owe. 

According to the FDCPA and FCRA, I have the right to dispute the alleged debt and to request verification of the debt from your agency. I am requesting that you provide me with written documentation, validating the legitimacy of this debt, including amount owed, the original creditor 's name, and any relevant account information. Until Proper validation is provided, I dispute the debt in its entirety. 

Moreover, it is essential to bring to your attention the requirements outlined in the XXXX XXXX Reporting Guidelines, which are mandated by the FRCA. Any information you furnish to credit reporting agencies must be accurate, complete, and updated. If you have reported this debt to any credit bureaus, I demand you correct any inaccurate information immediately. 

Please be advised that I am fully aware of my rights under the law and will not hesitate to pursue civil and criminal remedies to ensure my rights are protected.
Product: Debt collection

My credit report is showing multiple collections, XXXX from XXXX XXXX XXXX XXXX, and one from LVNV FUNDING LLC XXXX XXXX I did not receive written notification about this debt so I never had a chance to dispute on my behalf. I am requesting debt validation according to 15 USC 1692g I am requesting the original contract I signed guaranteeing that I pay this debt, a detailed list of the history of payments made on this debt, has there been an insurance claim made on this debt, proof that you have chain of title to collect on this debt. Without providing any of this information I am requesting this debt be removed immediately.
Product: Student loan

Navient misapplied my loan payment. Within 120 days of distribution, all payments will automatically be applied to the principal. However, after 120 days, payments will first be made towards the interest, and then the principal -- or so the company states. I recently made a payment of {$500.00} on XX/XX/XXXX ( post 120 days of distribution ). It was misapplied to only the principal balance. I had to call Navient in order to get them to correctly apply the payment. This is a huge waste of time. Moreover, this is not the first time they have done this ( to me or others ) ; it is no wonder litigation is pending against this company.
Product: Credit reporting or other personal consumer reports

Bank of America {$2900.00} - Date Opened - XX/XX/XXXX ) ( XXXX - Amount {$36000.00} Account Open XX/XX/XXXX ) XXXX XXXX XXXX - Account # XXXX - Date Opened XX/XX/XXXX Amount- {$70000.00} ) I XXXX XXXX am a victim of Identity Theft. I have experienced tough and egregious hardships because someone has stolen my identity. I can not get credit anywhere. This has ruined my life. I lost my job last year and tried to refinance my house and car, I was told " sorry '', we can not help you. I filed a police report this year on ( XX/XX/XXXX ) ( report XXXX XXXX ) with XXXX Police Department. I've also mailed in certified letters to XXXX. I received nothing. XXXX also sure my information was leaked due to the information breach with XXXX. I was instructed to go to XXXX. I was prompted to enter my last name and the last XXXX digits of my social security number, at that point I saw that my information was compromised due to XXXX security breach. The thieves even went as far as filing fraudulent income taxes on my behalf! The thieves are continuing to use my credit. I've faxed all XXXX bureaus, as well as called them, At this point I have hired a Consumer lawyer to assist me in this matter XXXX XXXX XXXX of XXXX XXXX, XXXX XXXX Crossing # XXXX, XXXX, IN XXXX. He notice several instances where XXXX are in non-compliance with the FCRA. I'm a victim but yet I'm treated as if I'm nothing. The following accounts are : XXXX Bank of America {$2900.00} - Date Opened - XX/XX/XXXX ) ( XXXX - Amount {$36000.00} Account Open XX/XX/XXXX ) ( XXXX XXXX - Account # XXXX - Date Opened XX/XX/XXXX Amount- {$70000.00} )
Product: Debt collection

An associate of XXXX ( XXXX XXXX )  reached out to me on XX/XX/XXXX on a past due balance for the 2nd part of my HOA assessment. I made efforts to reach out to the HOA mgmt company on XX/XX/XXXX for remit information ( via email as that's how we've previously corresponded ) so that I could make the payment on time but it appears communications on both ends was not received. Initially I thought I had paid for this as some time had passed and I did not hear from them but the HOA mgmt company claims they sent a couple letters that I will say was never received. 
Either way they sent me to collections and we end up here dealing with XXXX. I understood my dues were not paid and sent XXXX a payment of {$240.00} the same day. XXXX  tacked on an extra {$440.00} of their own fees to the ledger and I have been disputing yet they insist they will continue to pursue those dues. 
I reached out the HOA mgmt company and they were aware I was in collections and told me the amount they sold to the agency was for approximately {$220.00} plus {$10.00} in interest. They also seemed a bit surprised when I mentioned the additional fees that XXXX was trying to charge me. I've relayed this information to XXXX who is noting it for my file but also says they will continue to pursue those additional fees even though I've paid the initial debt due to them already. 
This is really an unfair practice, the fees are flat amounts and end up being more than double the initial debt. Times are tough under this pandemic and trying to charge someone more than double a debt they were owed is egregious. Please help as I believe this is really taking advantage of the debtor.
Product: Debt collection

Theres a lot that I need to go through that accounts were created and opened with my info and now Ive tried to dispute them many times and getting nowhere no actions taken from the credit bureaus.
Product: Debt collection

RESURGENT CAPITAL SERVICES/ LVNV FUNDING LLC XXXX XXXX XXXX XXXX XXXX have been violating me and causing harm to my personal reputation Pursuant 15 USC 1692d ( 1 ) keeping me from getting other extension open ended consumer accounts. They have not sent proper validation of the alleged debt Pursuant 15 USC 1692g ( a ) ( 4 ) statements are not sufficient validation. RESURGENT CAPITAL SERVICES/LVNV FUNDING continues to report negatively to the credit bureaus even after the cease and desist Pursuant 15 USC 1692d ( 1 ). RESURGENT CAPITAL SERVICES/LVNV FUNDING XXXX XXXX XXXX XXXX XXXX XXXX is in violation of 15 USC 1692e ( 2 ) ( a ) for falsely representing the amount owed because the amount placed on the ( Letters ) and ( statements ) shows the balance in the positive.
Product: Credit card or prepaid card

My complaint is regarding my Citi bank XXXX XXXX Citi Card ending in XXXX the name on the account is XXXX XXXX XXXX XXXX and the zip code for the card is XXXX. The billing address is XXXX XXXX XXXX, XXXX, XXXX  TX XXXX. 

Since I opened this MC more than 3 years ago, I have it set up to auto draft, in amount of full statement balance, from my XXXX  account ending in XXXX. 

I do not receive paper statements from Citi Bank. 

This XXXX when I checked account activity it showed I was still set up for auto-draft and my bank account information was up-to-date. However, my account showed a 'late payment ' warning, and a {$60.00} late payment fee for a {$20.00} statement balance. 

Autodraft prevents my account from EVER being late, if Citi bank is following the contract. In addition, if they decided they needed to stop autodraft, for any reason, I should have been notified. 

I attempted to contact Citi bank in a variety of ways. Their phone auto message indicated they did not have customer service reps. answering calls, and suggested I down load an app for communication. I down loaded the app and texted a message ; they company did not respond. I emailed and started a 'chat ' with a rep. on line through an account link. The message from the app was as follows : " sounds like you need to talk to a customer representative. They are no longer available at this time. Please tell us how we are doing. '' I am worn out from this customer indifference and wish to close my account, but can not get through to do so. Adding insult to injury, the {$20.00} service on the credit card, for " XXXX XXXX, ' was a recurring service I canceled a month ago and should not have been charged for. I can not imagine that the Virus is a rationalization for Citi bank to charge random late fees when payment is not late ; surely this breaks federal trade laws? 

I welcome your advice and look forward to hearing from you. 

XXXX XXXX I can be reached by Phone : XXXX ; email : XXXX ; or mail : XXXX XXXX XXXX, XXXX, XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

This is my first requests 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX PL XXXX XXXX XXXX, CA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$5000.00} XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXXXXXX Balance : {$1100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Checked my credit report and I have two collections accts that have driven my credit score down dramatically after I have worked hard to pay off old accts. I have a common name and this problem has happened before but these two creditors aren't willing to help rectify the situation. 

I am a XXXX who works on the road and I know I hadn't opened or defaulted on any accts so I hadn't checked my credit score in a few month but low and be hold when I did I had a pleasant surprise. Two of someone else 's delinquent accts.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second attempt to file a CFPB complaint and to inform you about the neglegence of the three Credit Bureaus. With this, I allege that the three Credit Bureaus have violated the Fair Credit Reporting Act by inaccurately reporting information on my credit report, resulting in significant harm to my financial standing and reputation. I demand that they rectify these violations and provide me with the accurate and be delete the fraud items in my credit report immediately : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX ) XXXX XXXX XXXX {$4500.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$4500.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$870.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I HAVE RECENTLY CHECKED MY CREDIT REPORT AND NOTICIED SOME INACCURATE ACCOUNTS REPORTING XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXXXXXX XXXX XXXXXXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX  / ACCOUNT NUMBER : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. 

After submitting complaint ( s ) XXXX. I got a call from chase executive office and from a XXXX on a voice mail on my cell. XXXX ext. XXXX. When I called him back I left a voice mail message for him. Later today he called my voice mail back. Then just now at XXXX PST or XXXX : XXXX  PST ( Eastern Time ) today on Friday, I called him again and got his voicemail again it appears that Chase does not want to resolve this. This has become very frustrating for me and inconvenient over a very simple matter. They have handled this in a very improper unprofessional manner. 

If this still is not resolved by next week I am thinking of adding a consumer statement to my XXXX  report and flagging my report to the effect that the Chase account is over > 10 years and is possibly in non compliance with the FCRA because of inaccuracies. 

Also will forward a copy to the XXXX  for compliance review. For sure I will never deal with Chase again and I have heard complaints from many people as well thank you for letting me bring this to your attention XXXX XXXX Friday XX/XX/2020
Product: Credit card

I did not approve opening an account/credit card with american express XXXX Without my knowledge a hard hit inquiry occurred and a card was opened.
Product: Mortgage

Trial modification, approved permanent, signed documents on XXXX XXXX. To this date, Wells Fargo has not returned my documents, I have called Wells Fargo many times, they are to busy it will take weeks before my modification would be finalized.