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

I am writing to file a complaint against Upgrade Inc. with CFPB due to sudden suspension of my XXXX XXXX XXXX on XXXX XX/XX/year>. Since then, I have been calling Upgrade almost every day & also emailing them to activate the account, every time same reply : We are currently reviewing the account. There is no update available at this time. The lack of explanation or resolution has caused significant inconvenience & distress.

When we tried to transfer our funds outside the account, they suspended our account and have not provided us any reason why. We have also asked them to close our account and transfer our funds to our external account and they are also not closing our account either. 

We have seen many complaints from other people with the same issue that when they try to transfer their money outside their account, their accounts also get suspended by Upgrade and they keep waiting for months with no reply.

Upgrade is illegally holding my money without my consent and we want strict action and investigation taken against them as they are dealing with fraudulent practices. 

I am XXXX XXXX suffering from XXXX and need money for day-to-day activities. I request immediate account Unsuspension & compensation for inconvenience and stress. I want my account closed and all my money transferred to my external account ASAP. I request the CFPB to please facilitate swift resolution to this matter. I request your assistance in resolving the matter promptly.
Product: Credit card or prepaid card

Wife got a credit card in my name with capital one, without my permission. Only found out about it after she passed away. Called capital one and would not help me and was told there was nothing wrong or illegal about her opening an account without my knowledge. Got the account closed and they sent it to collections. Would not send me an itemized list of charges or a signed agreement from when account was opened when I asked several times. I never saw a card or statement from capital one.
Product: Mortgage

Dealing with a mortgage servicer with a loan modfication that was approved, however, at a much higher monthly payment then the original loan. Due to severe hardship with hurricane XXXX and losing employment, put fourth application for loan modification, which the servicer took a year to process almost to the date, and the new loan is setting us up for failure.
Product: Credit reporting or other personal consumer reports

I had ( 2 ) XXXXXXXX XXXX XXXX XXXX accounts. One of which was late and payment plan establised and the other account was paid in full. Instead of XXXX XXXX providinng me the opportunity to rectify the account ; it was sold to XXXX XXXX XXXX. I established a verbal agreement, along with email verification that an agreed upon payment plan with rectify the outstanding balance in ( 4 ) payments of {$60.00}. We also agreed that the account would be deleted from my credit report as well as satisfactory reporting to Equifax, XXXX and XXXX. With that being said, both accounts are being reported as collections to the ( 3 ) credit reporting bureaus listed above. 
Per the Fair Credit Reporting Act 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ]. 
Subject to subsection ( f ), and except as provided in subsection ( g ) if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Money transfers

This happens at all financial institutions and has been a major XXXX of contention for many years. I send in a deposit or I set up a transfer and it takes WAY too long. I am losing interest while my money is XXXX knows where.
Product: Debt collection

After reviewing my credit report, I have identified several accounts that I have no knowledge of, and they appear to be the result of fraudulent activity. I have previously disputed these accounts, yet they persist on my credit report without valid proof or verification. 
Account Information : XXXXXXXX XXXX XXXX XXXXXXXX PLEASE DELETE!!! 
I want to emphasize that I have no knowledge of these accounts, and they are likely the result of identity theft or fraudulent activity. I previously disputed these accounts, but they remain on my credit report without proper validation. 
I kindly request that you conduct a thorough and immediate investigation into the validity of these accounts in accordance with the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting or other personal consumer reports

I have tried to fix this issue by reporting this inaccurate information. These affect my XXXX XXXX & cause me XXXX XXXX. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XX/XX/XXXX, Transunion and XXXX credit reports are showing that I have late payments on my student loans and this is inaccurate reporting. I attached letters that show that I contacted XXXX, who verified that I was in school during these periods and could not have been late on any payments, as they were not due. My in-school deferment per the letter attached was from XXXX. For some reason, despite my efforts and the proof that I have sent, these false late payments are still showing. 
These same bureaus are reporting that I owe XXXXXX/XX/XXXXand XXXX XXXX XXXX as collections accounts but this is also false. I attempted to get this information verified ( see attached letter from all the way back on XXXX XXXX ) and I got no responses or validation of this debt at all. At this point, my rights are being violated. 
Section 611 ( a ) says a failure to investigate these things within 30 days gives a reason to immediately remove the items from my credit reports and it has been over a year. I demand that all the above listed items be removed from my reports or I will be forced to file litigation. I need these problems fixed promptly because this is costing me thousands of dollars and I will not wait another year for results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX coded my credit report on all 3 credit bureaus 30 days late for XX/XX/XXXX. My XXXX XXXX was due on XX/XX/XXXX, which is due on the XXXX day of each calendar month. I paid my XXXX XXXX payment on Saturday XX/XX/XXXX in the monthly due amount of {$550.00} on the XXXX XXXX XXXX with is corrected to my XXXX XXXX XXXX Account, the payment posted and was deducted from Checking Account on Tuesday XX/XX/XXXX. I have attached a copy of my XX/XX/XXXX Checking Account Statement supporting my compliant. My payment was not 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 a 30 day late payment was reported. We had contacted XXXX  XXXX XXXX that this was an error. We were told that it would be removed. We have contacted all 3 credit bureaus with no resolution and XXXX  XXXX XXXX is not answering their phones during the Covid 19 crisis. We have sent them a letter and email with no response. This reporting is now causing an additional hardship due to it lowering my credit score.
Product: Credit card

our XXXX cards were cancelled. The account was turned over to XXXX international to set up a payment plan. We were told by XXXX that if our payments with XXXX were paid on time that our payments would not be counted as misses or late. our credit report indicates that we have 18 missed payments. We have made ALL of our payments with XXXX in a timely manner.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX and XXXX credit bureaus are required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I discovered unauthorized inquiries on my credit report without explanation. I checked my credit report like I always do, but this time I was shocked to find these inconsistencies. After refreshing the browser in hopes of a glitch, the inquiries still appeared. Im really upset by this and need the documents Ive submitted to be thoroughly reviewed immediately so I can stop worrying about it.
Product: Credit reporting or other personal consumer reports

I am having an ongoing issue with XXXX XXXX  for several months. It started with a refund that I never received. They do not email you directly, its all through an online system, unless they send you a bill due date or send you a letter saying your payment was processed. I have called at least 20 different times and emailed this company over 30 times, as well as sending them a letter to their po box , which I did not get a response from for 3 months. 
We are still in dispute. They refunded all the late fees being I was not late but will not fix my credit report saying I was late for the month of XXXX and XXXX. 
I have several letters for this company saying 'I will not be charged late fees or shown as delinquent or late to the credit agencies for those months. 
I have reported them several times through Experian and XXXX, uploaded all of the proof of these letters and Nothing is done. 
I have seen over 50 people having the same type of problems with XXXX XXXX  and they are getting away with it. 
What are the credit agencies for? What is the point of sending " proof '' to them if Nothing is done to help the people?? 

Please help me! 
XXXX XXXX
Product: Mortgage

They are not putting my late fees that I have paid into the part of my loan account that shows that they have been paid. They keep putting them under " unapplied funds '' or whatever!! 
I have paid them,, update my account correctly. I have contacted several times over this and yet still cant get problem fixed. 

Apparently from the last letter I just received from them I have {$110.00} I have paid in and yet they are just hanging around? what?
Product: Mortgage

XXXX XXXX XXXX  hereafter ( SPS ) has failed to execute their legal responsibilities to manage and execute due diligence with our mortgage and by doing has has placed us in a harmful and dangerous position due to loss of insurance coverage. 

XX/XX/2022 Request from SPS to provide copy of Homeowners Insurance Policy to SPS XX/XX/2022 Sent via XXXX XXXX XXXX XXXX XXXX XXXX to SPS XXXX. XXXX. 
XX/XX/2022 Confirmed delivery w/signature " XXXX XXXX XXXX XXXX SPS with documents requested. 
XX/XX/2022 Request from SPS for " HOA Master XXXX XXXX ''. 
XX/XX/2022 Phone call with " XXXX '' to inquire about request from XX/XX/2022. Informed were in possession of XXXX XXXX XXXX, just needed the Master HOA policy now. 
XX/XX/2022 Contacted agent XXXX for XXXX XXXX XXXX XXXX XXXX XXXX. 
XX/XX/2022 Confirmed fax from agent for XXXX had been sent and received by SPS. 
XX/XX/2022 via XXXX mailed hard copy of XXXX XXXX Policy to Insurance Address XX/XX/2022 Received CERTIFIED LETTER " SECOND AND FINAL NOTICE '' from SPS threatening costs to us to purchase insurance for the said property. 
XX/XX/2022 Spoke with SPS Rep who advised uploading documents through portal as " XXXX '' stated our loan shows our insurance policy as " MISSING '' XX/XX/2022 Documents uploaded to SPS via their portal ( THIRD TIME ) XXXX NOTICE FROM INSURANCE COMPANY TRAVELERS CANCELLATION OF POLICY DUE TO NON-PAYMENT BY MORTGAGEE. 

This company has made it impossible to conduct business or to reach necessary personnel to assist you. I spent two days navigating the insurance department phone maze with no success for connecting to a human. I have contacted personnel, I have mailed with proof of delivery receipt documents, my agent for the XXXX has faxed necessary documents with proof of receipt.Now we are in a very dangerous position should we suffer any sort of loss due to their continued intentional negligence with regard to our mortgage. 

They have failed to exercise their legal responsibilities and duties according to law. We kindly request an investigation and answers. We have exhausted all our possible avenues and are not receiving adequate responses or assistance. 

Thank you in advance for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Amount of debt : Date of Service : Provider of Service : XXXX XXXX XXXX, XXXX, XXXX & XXXX XXXX ran by XXXX To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that Under the FCRA 15 U.S.C. 5 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. 
The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORR INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PRO COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immedia The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : ( dispute_item_and_explanation ) I am demanding that this account be updated to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX XXXX XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 
I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. 
Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Somehow someone or some entity is reporting me at bogus addresses. I have fixed the issue, so far, with XXXX and hopefully XXXX XXXX, but Equifax is a big problem. I thought I wiped the bad addresses off my report ( I have lived at my current address XXXX XXXX XXXX XXXX IL  XXXX for 10 years ), yet when I obtained my most recent report. they showed back up. I called to have them wiped, but I need to know who is doing this. As you can see from the report itself it shows me being at my address since XX/XX/XXXX, which is the date I called to get the addresses wiped again. If you look at the report date on the XXXX  address it was XX/XX/2019. I lived at that address 40 years ago! The XXXX XXXX XXXX one was 20 years ago and I never lived in XXXX. Now if you look on page 42 of my pdf copy of the report at the " soft inquiries '' it shows 2 consumer interviews, one on the 4th and another on the 7th. I think it's a monumental screw-up by their customer service. Instead of correcting my addresses they made it worse. I have lived in IL the last 15 years with all documents and records to prove it. Just ask the IRS, or Social Security Administration. Please help me.
Product: Money transfer, virtual currency, or money service

So this is with Venmo I had two phones so I made XXXX Venmo accounts. I was unaware that I was not allowed to have XXXX Venmo accounts. OK thats cool no big deal. I was told to verify my identity so I sent in a picture of my ID for both accounts and then I was told that due to certain reasons that they could not tell me I would no longer be able to use my Venmo account and they would hold my funds for up to 180 days which is six months I currently still have {$1500.00} in my Venmo account and this took place on XX/XX/2023 there should be no reason why they have to hold my funds for six months. Theres no reason why it takes that long for them to figure out whatever they need to figure out. This has put me in a real jam because I have bills that I have to pay like my car has been re-Poed behind me not making car payments because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ask XXXX, Experian and XXXX 60 days ago on XX/XX/20 to remove inaccurate accounts from my credit report.
Product: Payday loan

My payday loan was for {$600.00}. However repaying of this {$600.00} cost a total of {$2500.00} including the repayment of the principal amount. I was not fully aware of the extremely high interest. I thought I could repay the loan off early, however Big Picture Loans does not make the process of repaying your loan off early easy. It is very difficult as they only offer a repayment every 2 week cycle which allows them to earn more interest. I would not do business with them again or recommend them to anyone. Repayment fees are at an unbelievable level
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been filing complaints with this company for months now and I have yet to receive a response about my credit report. Back on XX/XX/2021 the COMPLAINT Number is : XXXX I require a full investigation as to why I have not as so much gotten an email about my complaint on these companies who has reported wrong information on my credit report. My credit report has different addresses that are false and I have not resided, therefore these account below are not associated with me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to file several disputes already with the credit bureaus regarding a fraud auto lease which identity thieves obtained by using my personal information. I have been a victim of identity theft and this auto lease was opened fraudulently due to the identity thief using my personal information to obtain services from the creditor KIA MOTORS FINANCE and XXXX XXXX XXXX. This auto lease is a closed account reporting on the credit bureaus, however, it does not belong to me because I did not lease nor did I buy a vehicle from the mentioned creditors. I have attempted to dispute the fraud account that has been reporting on the credit bureaus however the credit bureaus have refused to cooperate claiming false allegations that the accounts are mine. I have explained it to them countless times that these account are fraudulent however, they do not seem to understand. This issue must be resolved, the reason I am filing this complaint is to notify the proper authorities of the countless violations that the creditors and the credit bureaus have been conducting. They have been cooperating with identity thieves which they fraudulently used my personal information to obtain fraud services by tarnishing my financial credibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have missed payment in my credit report from the student loan while I already have a forbearance period, please remove the missed payment it show like 6 missed payments from XXXX XXXX XXXX. 
Name XXXX XXXX Date of birth : XXXX Address : XXXX XXXX XXXX XXXX, XXXX FL XXXX Please remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and discovered that XXXX pulled my credit without my knowledge or consent. 

My credit report shows that XXXX - XXXX XXXX created an inquiry into my credit on XXXX. 

I have requested an investigation and correction with Experian, XXXX, and XXXX.
Product: Checking or savings account

XXXX XXXX Various Dates & various amounts, Every time I send money to someone through cash app I get DECLINED every single time, I always lock my card and when I'm getting ready to use it I unlock it. 

On Monday XX/XX/year> I stopped into a XXXX XXXX XXXX XXXX XXXX I was declined twice, After I found out it was for {$170.00} I could understand that decline, I did find out that XXXX  holds a deposit when you use your card at their pumps, I had gone in to pay for it and this time I did it for {$25.00} bucks and once again I was declined twice. 

Today XX/XX/year> I went to XXXX XXXX for lunch and I was declined again for {$25.00} They have absolutely no legitimate reason for them to be declining me every time I go to use my card. 

There are ONLY 2 Reasons for them to decline my card and those 2 reasons are as follows..

1. If I Personally forget to unlock my card before I go to use it.

2. If I DO NOT have enough funds in my account.

Those are the only 2 reasons to be declining me, I have also filed a Complaint with the XXXX  and yes they did Respond to me with a phone call and all they did was apologize and that's not nearly enough, they are not doing anything to rectify this issue I've been having for awhile and it's getting old and I am tired of fighting with them and having to call them every time this happens, This Seriously needs to Stop happening to me!! unless they have an actual legitimate reason and they Do Not!!! to decline me they shouldn't be doing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX Balance : {$1200.00} XXXX XXXX Balance : {$4500.00} XXXX XXXX Balance : {$390.00} XXXX XXXX XXXX  XXXX Balance : {$1300.00} XXXX XXXX Balance : {$660.00} XXXX XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX  XXXX Balance : {$860.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$600.00} XXXX XXXXXXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$73.00}
Product: Credit reporting or other personal consumer reports

I have check my credit report and seen I have 16 hard inquiries of company I don't recognize nor authorized to run my credit milestone XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XX/XX/XXXX & XX/XX/XXXX motorcycle mall XX/XX/XXXX XXXX XXXX XXXX in one day XX/XX/XXXX XXXX XX/XX/XXXX motorcycle ; XX/XX/XXXX XXXX XX/XX/XXXX