23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Complaint Against Upgrade , Inc. Unprofessional Conduct and Lack of Assistance with Loan Repayment Plan Dear Consumer Financial Protection Bureau , I am writing to file a formal complaint against Upgrade , Inc. regarding my personal loan account. I have encountered several issues with their customer service and their unwillingness to provide the necessary assistance during a time of financial hardship.

I took out a personal loan with Upgrade on XX/XX/year>, and initially set up autopay to ensure timely payments. However, due to unforeseen financial difficulties, I reached out to Upgrades customer service team to seek assistance in restructuring my payments or exploring a hardship program. Unfortunately, my experience with their representative was both unhelpful and unprofessional. 

During my call, the agent I spoke with made a disparaging remark, referring to people like me, which I found highly inappropriate and demeaning. Instead of providing the support I needed, I was left feeling judged and dismissed. This interaction added to my frustration during an already challenging time. 

As of now, I am past due on my loan by {$1600.00}. While I have been making partial payments whenever possible, I am unable to pay the full amount due. Despite my efforts to address this matter responsibly, I have not been offered any solutions or options to manage my loan more effectively. 

I understand the obligations outlined in my loan agreement, and I am fully committed to repaying my debt. However, I believe Upgrade has failed to fulfill its duty to provide reasonable assistance to borrowers in financial distress. Their lack of support, combined with the unprofessional conduct of their representative, has left me feeling unsupported and unfairly treated.

I am seeking your assistance in addressing the following concerns : Investigating Upgrades customer service practices and their treatment of borrowers experiencing financial hardship.

Ensuring Upgrade provides clear and accessible options for borrowers who require payment restructuring or hardship assistance.

Holding Upgrade accountable for the unprofessional conduct of their representative. 


Thank you for your time and attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter pertaining to incorrect information that I've discovered on my credit report. I've waited patiently for some type of satisfying resolution which I demand those items to be removed from my report. I've exercised the correct steps prior to this complaint and haven't received any indication that these matters will be resolved and my patience has become exhausted which leave me no other choice to file for litigation. Section 611 ( a ) it it states that a failure to investigate incorrect item within 30 days give reason to immediately remove those items and it has been well over the required time. My personal information was impacted by the XXXX  data breach which I've investigated and discovered as well and I'm it has been abused from some unknown stranger. Again, I demand these items to be removed from my credit report or I'll just take further actions. Thanks in advance for looking into these matter.
Product: Checking or savings account

XXXX XXXX charged me for no reason resulting in my account being closed, i would like reimbursement separately, paypal has refused to reimburse me for money that was sent to the wrong bank account ( an account that was never opened so the money was not received ) at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all creditors in this Matter XXXX XXXX XXXX and USAA and informed them that my identity, wallet was stolen and fraudulent activity took place while I was oversea in the Military. I have filed police reports submitted consumers reports and the debts were removed and return. The debts are not mine as they are fraudulent. On ( XX/XX/2017 ) I discovered ( negative credit items with XXXX XXXX and USAA had been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. The data is wrong and both the reporting agency and bureau are not following guidelines adhering to FCRA. If this matters are removed I will have not choice but to file a lawsuit against all parties involved.
Product: Checking or savings account

On XX/XX/year>, I deposited a certified check for {$15000.00} from XXXXXXXX XXXX XXXX XXXX XXXX into my Bank of America account. This check was obtained after my husband had to travel to the XXXX to retrieve it from his bank. 

On XX/XX/year>, I was supposed to receive notice that the funds would not be available until XX/XX/year>, at XXXX AM. However, I did not receive this notice until much later, after I had already visited the bank due to transaction issues. The notice was uploaded digitally, but I wasnt notified in a timely manner, and no physical notice was sent to my address. 

After the funds were released, I was able to make XXXX transaction before Bank of America froze my entire account again without notice. Despite the freeze, the funds still showed as available in my mobile banking app, leading to confusion. I received no notification of the full account freeze. I had to visit the bank in person, and the representative who assisted me spoke with XXXX or more departments, each transferring her to another department without resolving the issue. She became so frustrated that she pleaded with XXXX department, saying, You are my last resort. At that point, I lost hope, realizing the severity of the issue. 

This situation has caused financial stress. I was unable to access my own money for important purposes, such as paying for school and classes. I was also enrolling in a course that offered a 25 % tuition discount, which I might lose if Im unable to pay before the deadline due to this account hold. Additionally, I was unable to access funds for daily living expenses like groceries and utilities. 

On the same day, I also witnessed a traumatic event while dropping my child off at school, where we XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. This added to my stress and left me unable to sleep, with headaches and a feeling of defeat. 

I request an investigation into Bank of Americas handling of this situation, as well as compensation for the financial and emotional stress caused by their actions.
Product: Debt collection

XXXX XXXX / XXXX / {$850.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) PROMPT NOTICE OF DISPUTE TO FURNISHER OF INFORMATION ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 
( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). I'd like to emphasize that I am the one submitting this complaint and there is no third party involved. Despite having sent multiple letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by identitytheft.gov as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under identitytheft.gov clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through identitytheft.gov, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid.

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA.

Legal Precedent : XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Cir. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LEXIS XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 

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

Company has not looked over credit dispute and has not responded to dispute is has been over 30 days and there has been no response.
Product: Credit card or prepaid card

Dear Sir / Madam, I hope you are doing well. 

I have been with CitiBank since the XXXX. I have XXXX checking accounts, XXXX savings account, XXXX preferred money market account and ( until recently ) XXXX credit cards with CitiBank. 

Recently, CitiBank seemed to have an IT system migration. With such a migration, the system automatically changed the address on file and on all these accounts to a foreign account that is no longer valid, without informing me in advance. 
I used that address for them to mail over an emergency credit card years ago while I was travelling and lost my then credit card. 

As a result of this incorrect address, both of my credit cards have been closed, and all accumulated points lost. 
I was on the phone with CitiBank today for hours, and was transferred back and forth across different departments, but no one could solve my problem, and worst of all, nobody seemed to care or be willing to correct the mistake they had made in the first place. 

They claimed that the XXXX credit cards were closed due to the fact that the address on the card were a foreign address. I requested them to fix/delete the incorrect/invalid address ( which was their mistake to begin with as I have mentioned above ). They claimed the address could not be fixed since the cards have been closed. It is like going in this endless loop. In the end, they only offered to let me apply for a new credit card from scratch, but I would lose all my existing points. 

I am writing to you in the hope that I could at least recover the points, and lodge a complaint with their unprofessional conduct. As mentioned several times before, the mistake was not even done by me to begin with. I never requested such address change. It was due to their internal system glitch. 

Thank you very much!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a public record entry that was placed on my credit report and I have been trying for over 5 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 4th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX  verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 3 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a law firm, I know the court system and their procedures, but decided to call anyway.

Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. XXXX   refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this bankruptcy is mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent both XXXX  & Experian dispute challenge letters back in XX/XX/2020. Challenging the following account : XXXX XXXX XXXX : This account still remains on my consumer credit report even though I have clearly identified multiple inaccuracies and violations to both XXXX  and Experian of which is my right under the fair credit reporting act. 

As of today XX/XX/2020 XXXX  XXXX XXXX still remains on my credit report unchanged. 

: Still reporting inaccurate last date of activity a violation. 

: Reports account as update in XX/XX/2020 but still reports multiple inaccuracies a violation of FCRA rules. 

: Reports inaccurate balance or credit limit a violation. 

: Reporting continuous negative remarks after Account has been closed or charged-off. A violation.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report, I noticed fraudulent activity on it. It's hurting my ability to obtain credit.
Product: Credit card

To Whom It May Concern, I hope this letter finds you well. I recently received yet another letter, dated XX/XX/XXXX, in the mail stating that my credit card accounts will be closed. When the same issue arose recently, I was informed by the Chase Executive Office that the closure of my accounts were due to a systemic error and there was indeed no fraudulent account associated with my name under Chase. Please refer to case # XXXX as well as the attached letter, dated XX/XX/XXXX. 

I've spoke to both Credit Card Services and Checking Account at the Chase Executive Office and my accounts were successfully reopened two months ago. I've disappointed to receive another letter in the mail indicating the closure of my accounts. It is apparent to me the previous systemic error was not fixed after the recent incident. 

I have always been a loyal and responsible customer of Chase, and I expect the same level of respect in return. However, the handling of this situation has left me feeling unsupported and frustrated. The stress and inconvenience caused by this error have had a significant impact on my daily life, as I have had to spend an excessive amount of time and energy trying to resolve the issue. 

I kindly request that Chase XXXX XXXX thoroughly investigate the issue I have outlined and take immediate steps to rectify the error. I also ask that you provide a detailed response outlining the actions taken to resolve the problem and prevent it from occurring again in the future. Additionally, I believe that a gesture of goodwill, such as a refund of my annual fee that was charged to my account on XX/XX/XXXX, would be appropriate given the stress and inconvenience I have experienced. 

I value the relationship I have had with Chase Bank over the years, and I hope that this matter can be resolved in a timely and satisfactory manner. I look forward to your prompt attention to this issue and a swift resolution. I can be reached at XXXX or ( XXXX ) XXXX. 

Sincerely, XXXX
Product: Money transfer, virtual currency, or money service

I wanted to try to transfer and withdraw my funds but my account got locked. I have bills that need to be paid and I will be homeless  and I won't be able to feed my children. This needs to be resolved immediately. I contacted cash app on XX/XX/2020 at XXXX XXXX. On cash app they say it will take 24 to 48 hours to contact me back and they haven't done so. I tried to send XXXX to a colleague of mine and it declined. After it declined and I tried to withdraw then that's when they locked my account.
Product: Vehicle loan or lease

They are in violation of 15 USC 1681, AND 15 USC 1681S-2. Also, an agreement was made and not carried out. They also repossessed my vehicle, sold it, and they're still reporting the total owed since the beginning, to the Bureaus. They have me as the co-signer and my mom as the main signer, which is wrong They are also requesting, by harassing the both of us to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

My payment for  XXXX     2017 to my mortgage payment to Ocwen Mortgage is missing in my   XXXX   Credit report (  see attachment ) and also my Credit report was last updated  XXXX   XXXX ,  2017  by my credit reporting agency
Product: Checking or savings account

XX/XX/2022 {$1100.00}. XX/XX/2022 {$1900.00} & {$1400.00}. XXXX XXXX {$1900.00} & {$1900.00} these are fraud charges on my BANK. also fraud charges on XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were transferred as required by the Public Service Loan Forgiveness program application process. The new servicer, XXXX XXXX, did not properly update the CRAs advising them to transfer the prior reporting history from the old servicer ( XXXX ) to XXXX XXXX. Accordingly, my loans are double reported on my consumer reports ( the old loans and the new loans ). I previously complained to the CRAs ( Experian has not corrected the information ), and both the old and new servicer. I also complainted to the CFPB, but the company responses were generic and did not address the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 States I Have The Right To Privacy 15 USC 1681 Section 604 A Section 2 : It Also States A Consumer Reporting Agency Can not Furnish A Account Without My Written Instructions.

15 USC 1666B : A Creditor may Not Treat A Payment On A Credit Card Account under an open end consumer credit plan as Late For purpose
Product: Payday loan, title loan, personal loan, or advance loan

I applied for a loan, and recently applied for an refinancing loan, so there are XXXX inquiries from XXXX XXXX on my Credit Report.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I check my credit report and noticed that I have no credit report to view. I regularly check my reports and the last time I checked my Equifax credit report it was visible. I have called Equifax of at least XXXX times on XX/XX/year> to inquire what the issue is. When waiting to connect to a representative I am able to verify my ssn, address and zip code. After that no other information is correct which is causing my verification process to fail. I was also sent a text to verify myself via link which also failed. How is that? Something needs to be done as soon as possible. The representative ( XXXX ) will not answer any questions as to what has happened. But insist on me sending even more personal sensitive information via XXXX. I refuse to send any personal information when I am not being informed as to what has happened to my credit report. During the verification process none of the credit questions are related to me as a consumer. Any open accounts that I have are not showing on my credit report nothing. Not even during the verification process. My score is now XXXX! I am in the home buying process and this has halted my process. I am not going through bankruptcy nor have I ever to have caused my credit report to just go blank. Accounts where I am an authorized user are gone. Everything is gone.
Product: Credit reporting, credit repair services, or other personal consumer reports

There were charges on the account that did not belong to me.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX Balance : XXXX XXXXXXXX XXXX  XXXX Balance : XXXX XXXX XXXXXXXX Balance : 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
Product: Debt collection

I asked for proof of the debt including my signature on the original contract. The documents I asked for were never provided.
Product: Credit reporting or other personal consumer reports

These account is incorrectly marked with a collections status despite the absence of monthly historical data. I have disputed this matter multiple times. In accordance with compliance protocol, it is imperative that you promptly delete this my report.
Product: Credit reporting or other personal consumer reports

XXXX  VICTIMS LETTER TO CONSUMER REPORTING AGENCIES Date : XX/XX/XXXXXXXX  Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, Georgia XXXX XXXX : XX/XX/XXXX SSN : XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX RE : XXXX  Block Request Dear Sir or Madam : I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. Collection Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Other Accounts : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Sincerely, XXXX XXXX [ email address XXXX Enclosures : Proof of identity A copy of driver 's license XXXX  documentation o A self-attestation that you I am a victim