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

Unexplained Account Suspension of by Upgrade Inc. ( https : //www.upgrade.com/ ), my funds are still stuck inside Dear Consumer Financial Protection Bureau , I am writing to formally lodge a complaint against Upgrade Inc. regarding the unjustified suspension of my checking account. My account, which holds a balance more than {$1000.00} USD, was suspended without any prior notice or valid explanation. 

Over the past 2 weeks, I have made multiple attempts to resolve this issue directly with Upgrade Inc., both through emails ( sent to XXXX XXXX XXXX  ) and phone calls ( by calling XXXX as instructed on their website ). Unfortunately, each time I have been told simply to wait, with no clear explanation or timeline for when this issue will be resolved. This lack of communication and accountability is unacceptable, and it has caused me significant financial stress and inconvenience. 

Given that I have been unable to access my funds for an extended period and have received no meaningful assistance from Upgrade Inc., I am requesting that the Consumer Financial Protection Bureau intervene in this matter. I urgently need your help to recover my funds and ensure that Upgrade Inc. adheres to fair and transparent practices in dealing with its customers. 

Please let me know if you require any further information or documentation to assist in resolving this matter. I appreciate your prompt attention to this serious issue. 

Thank you for your assistance. 

Best regards, XXXX : XXXX XXXX XXXX : XXXX Account number with Upgrade : XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Ameri Financial Services due to inaccurate reporting of key account dates. Specifically, the date opened, last activity date, and last reported date listed on my credit report are inconsistent and do not match the correct timeline of my account history. These discrepancies are misleading and may negatively impact my credit profile. I am requesting that Ameri Financial Services thoroughly investigate these inaccuracies and promptly correct the reported information to reflect the true, verifiable dates associated with my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an erroneous account showing on my credit report that has not been validated by any of the bureaus. It's a paid collection with XXXX. 
XXXX reports the date last active as XX/XX/XXXX, Equifax reports the date last active as XX/XX/XXXX and XXXX reports the Date last active as XX/XX/XXXX AND they report positive payments XX/XX/XXXX after collection activity in the payment history. They refuse to correct this or delete this erroneous information. 

XXXX XXXX should not be on my credit report either. The date last active for XXXX is XX/XX/XXXX. XXXX reports the date last active as XX/XX/XXXX and Equifax reports XX/XX/XXXX. Equifax also reports current and positive activity on an account that is closed. I am getting no help with this account. It's updated incorrectly by Equifax and XXXX and XXXX refuse to investigate this based off of my understanding of the process of credit. 

There is also a XXXX account that is completely wrong. Equifax reports current and positive payments on a closed account which suggests that it's illegally re-aged. the account is a closed satisfied charge off. XXXX has never investigated this item. XXXX reports the date last active as XX/XX/XXXX. Equifax reports the date last active as XX/XX/XXXX. this makes no sense.the laws state that credit reports must be 100 % accurate.
Product: Credit reporting

The name XXXX XXXX has been added to my account. I have never been married. I have always been a XXXX. My daughter 's last name is XXXX but I have never been. This needs to be removed. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX {$70.00}, XXXX XXXX XXXX  {$230.00}, XXXX XXXX XXXX {$1000.00}XXXX XXXX XXXX XXXX {$190.00}, XXXX XXXX XXXX {$120.00}, XXXX XXXX XXXX$2900.00}, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX CHARGE OFF, XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I have asked for sign documents showing that I agree for them to do a service for me.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX  XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4700.00} XX/XX/XXXX XXXX XXXX {$2200.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$1600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$930.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

The loan was initiated when I hadn't been formally accepted in to a graduate program. It was submitted with paperwork affirming my cosigner was financially unable to pay the loan and that I would solely be responsible in accordance with the origination policy. 

In XX/XX/2012, they put me in to repayment while I was still a student and attempted to harass my cosigner in to paying the full amount several months before they claimed my first payment was due. I was referred to a forbearance process that didn't actually exist -- no paperwork or forms despite what I'd been told over the phone by multiple representatives -- before being placed in to repayment. The company abruptly ended my payments without my consent several months later after I'd made a dent in the principle. When my payments were resumed, it was based on a total that included accrued interest from the period when I was in non-payment for being a student. 

In the years since then, AES has directly debited my account without issue. I have not done anything that would cause them to negatively attack my score, like miss a payment. The company has recently updated my credit report to say that they can not contact me yet continue to take my money and e-mail me to say that the transaction was successful. They call several times a week ( as they have for years ) to harass about the loan despite the fact that the account is not in arrears.
Product: Debt collection

This account is a result of identity theft and is not mine. It was fraudulently opened with the original creditor and I am now being harassed. This collector has received a copies of legal documentation from the credit bureaus confirming the account is a result of identity theft, yet they are still contacting me. I attempted to call them however the representative I spoke to today was rude and condescending. They are of no help and are attempting to collect on an account that is fraud.
Product: Debt collection

A year ago Nationwide Credit Inc, violated federal law under the FDCPA the company needs my direct consent to contact me directly regarding an alleged debt 15usc 1692c ( a ). Nationwide Credit Inc, said I owed a debt which is a violation of 15usc 1692b ( 2 ) which they can not! Nationwide Credit Inc, is in violation 15usc1692d. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. Stating I owe a debt.
Product: Credit card or prepaid card

I was a victim of XXXX of the " XXXX '' scams. Here is what the real XXXX says : Scam Pop-Ups : What You Need to Know Another well-known trick is the website pop-up, that little browser window that sometimes appears while youre searching the Web. Cybercriminals set up websites with scam pop-ups with messages and phone numbers. These pop-ups usually are not easy to close. 
While some pop-ups are useful and important, others are traps that attempt to mislead you into revealing sensitive personal or financial information, paying for fake anti-virus software, or even installing malware and viruses onto your device. 
Do not call the number in the pop-up. XXXX error and warning messages never include a phone number. 
Here are some of the organizations that cybercriminals claim to be from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX and XXXX XXXX ( XXXX XXXX XXXX XXXX Team ). 

I called the number that popped up on my computer screen who I thought was the " real '' XXXX and they told me that they would clean the virus and protect my computer for {$140.00} for year. The billing statement showed " XXXX XXXX WA. '' This was actually a fraudulent company that loaded pop-ups on my computer to make me think that I had a virus. XXXX XXXX claims we received the service and closed our case unless we can prove that we didn't receive the service. They ignore that the company that we were dealing with was a fraud.
Product: Mortgage

We used XXXX XXXX to manage a seller-financing trust indenture in Montana. Unbeknownst to us, the note was sold to Loancare. Since that event, Loancare has been horrible to work with with little to no to really delayed response to inquiries. The buyer was able to get a loan through his local bank and it took the bank several weeks to get the pay-off amount from Loancare. 

The loan finally closed 8 days ago. The bank issued a check that same day to the title company. The title company opted, with out anyone asking us, to mail the check to Loancare. That took 2 days. I called Loancare on day 3 to find out where my funds were to be told that they were going to hold the check, from a title company, for 10 days. I called the title company and they were able to convince Loancare the check was good and it was cashed on day 3, but no payment back to us, the seller was made. 

I called in frustration and stated the money needed to be transferred to my bank account on file immediately. I was told they were after the cut-off time ( presumably for the wire ) but it would go out on Tuesday ( Monday as a holiday ). So, I expect to see the funds in my bank account on Tuesday. Not there. Today, Wednesday, after three phone calls, I learn that they cut a check for the $ XXXX and put in the regular first class mail on Tuesday and now it will take several more days. So, of course, I ask why it wasn't wired. " We had no instructions. '' Did they ask for instructions? No, of course not. Did I say I wanted it directly deposited the same way all the buyer payments were direct deposited- yes, most definitely. 

Okay, fine, the " check is in the mail '', so please give me the tracking number. No, we have no tracking number. We just sent it regular mail. WHAT? A check for $ XXXX and you didn't opt to track it. How convenient that you will be earning a few hundred dollars in interest off of funds received on Day 3 since my bank won't be receiving and then depositing the check until maybe Day 10 if I'm lucky or day 13 if it hits the weekend, if the untrackable check even arrives, at which point, I have to call back again and even more time is lost. 

Overall, awful experience with Loancare and its not even over yet.
Product: Credit reporting or other personal consumer reports

It has come to my attention. My personal information has been exposed and the national data breach, revieing my credit reports. I noticed some accounts I am unfamiliar with. I have asked the CRA for validation of debt however, the information has not been provided due to my information being exposed, I have submitted a FTC complaint reporting the information. I am not familiar with.
Product: Checking or savings account

On XX/XX/year> I became aware that a US Bank checking account with $ XXXX and a US Bank savings account with XXXX were both closed that day. My debit and credit card through US Bank were also locked down. I immediately called the fraud unit and they could provide no answers except to direct me to a branch. The branch was open from XXXX XXXX XXXX today and I went in and was told they could not help as there was no manager on duty. Further calls throughout the day elicited one agent indicating I was to call the Account Closure Department and attempted to connect me. I have no idea what is going on. I have not received a call, nor email, nor notification on either the website messaging system or the app 's. My US Bank debit and credit cards were also deacrivated. I do not think this is the way things are done and I also don't think I should have to wait the entire weekend to find out what US Bank has done with my money. I assume this may have to do with some type of fraud protection effort but I do not appreciate that nobody on duty has an explanation for me. I have been effectively frozen out of my own finances. Any assistance is appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account that was closed in XXXX of 2014 but they have put late pays on my report after the account was closed. I have tried to get the late payments removed by disputing the accuracy with the credit bureaus but haven't had success.
Product: Checking or savings account

I booked an XXXX XXXX XXXX while speaking with a rep from XXXX. I was getting a error message while trying to book thru XXXX for the XXXX. The rep told me to book it & screenshot the error. I didnt get a error this time. Told them rep. Tried canceling. The host wouldnt give me my money back. Transaction was about XXXX. Kept going back & forth with with reps. Got a sup. Told me to cancel where I got the cleaning fee back which was XXXX & then the sup added and additional {$100.00}. So I was still left to pay over {$700.00}. I DID NOT STAY here! I stayed at XXXX XXXX! Contacted XXXX. Sent them all my information. XXXX still wouldnt refund them. I called XXXX XXXX XX/XX/XXXX XXXX several days after that! I was told to make the first transaction & I can dispute & theyll credit me back & also stop the transaction!! Well they did a temp credit of {$210.00} weeks ago. I get a email today saying that the charges are valid & they will be taking the {$210.00} back on XXXX XXXX. Spoke with a sup today XX/XX/23. Hes saying they asking for more information terms and agreement when I literally sent them over everything!!! This was something that happened while working with a rep! How am I at fault? Atp if I wouldve known Navy wouldnt have my back & supposed to be the best credit union in the world I wouldve never paid it at all! Its not fair when I didnt stay somewhere! No one wants to help! But if it was one of their family members they would understand. Ive been with them for years and NEVER had to dispute anything!
Product: Credit reporting

My XXXX XXXX XXXX account is over XXXX years old and past the statute of limitations for reporting. When I spoke with a rep over the phone, the rep claimed that because XXXX XXXX reported the account to them again in 2013, that it will remain on my report for XXXX more years after it was last reported. I tried to explain that is goes by the date of first delinquency, but the rep said I was wrong and refused to delete it. I am being denied a mortgage specifically because of this one account
Product: Credit card or prepaid card

I received a card for unemployment benefits. I'm still working and never applied. They said they closed it but I am still getting mail about the benefits. 

Thank you for participating in our complaint process. This complaint is now closed. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2020 PRODUCT Credit card or prepaid card ISSUE Problem getting a card or closing an account
Product: Vehicle loan or lease

I recently had a car loan through Wells Fargo for my XXXX XXXX  XXXX, to which I had to sell due to the high interest rate that I have been charged. I also had a checking and saving account with Wells Fargo between XXXX to which they shut down stating falsely that I allowed a withdrawal from my account which was untrue. My account was then banned and my social security was red flagged to other banks up until XXXX. In those 2 years I have not been able to properly keep track of my account and had to use family and friends cards to keep my money safe.
Product: Money transfer, virtual currency, or money service

I am assisting XXXX XXXX. XXXX XXXX 's only source of income is XXXX. Despite her very limited income, which is exempt from collection, Helbing Law Group induced her to sign up for its debt settlement services. She agreed to pay Helbing Law Group {$7300.00} from XX/XX/XXXX to XX/XX/XXXX to settle XXXX debts totaling approximately {$10000.00}. From XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX paid Helbing Law Group a total of {$7600.00}. On XX/XX/XXXX, there appears to have been an additional payment of {$3000.00}, which XXXX XXXX never authorized. 

XXXX XXXX would like the additional {$3000.00} payment to be returned. She would also like written confirmation of which debts have been settled in full, as well as a refund for all fees corresponding to debts that were not settled in full. 

I have tried contacting Helbing Law Group on several occasions, but they have refused to speak with me, despite receiving oral and written permission from XXXX XXXX. 
Please copy me on all communications.
Product: Credit reporting or other personal consumer reports

This consumer reporting agency is being violative of my consumer rights by providing inaccurate and untruthful information to my credit report, both in violation with FCRA and Metro 2 Compliance Standards. This agency should only be reporting factually accurate, verified with documentation, and compliant data. However they are not
Product: Credit reporting, credit repair services, or other personal consumer reports

A Bankruptcy showing on my report is in accurately reporting om my file and is not mine, i contacted the Bankruptcy courts and they said they did not furnish this information to XXXX, XXXX Transunion, i have uploaded my letter in regards to this file.
Product: Debt collection

Complaint Against : XXXX XXXX  XXXX This complaint alleges that XXXX XXXX  XXXX violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) by filing a lawsuit against me without proper notification. 

Specific Violations : 15 U.S.C. 1692i ( a ) : The Fair Debt Collection Practices Act ( FDCPA ) requires debt collectors to provide written notice of their intent to collect a debt before taking any legal action. XXXX XXXX  XXXX failed to do so in this case. 
I never received any written notification from XXXX XXXX  XXXX regarding the debt or their intention to sue. 

This lack of proper notification prevented me from exercising my rights to dispute the debt or negotiate a settlement before a lawsuit was filed. 

I request that the CFPB investigate XXXX XXXX  XXXX 's debt collection practices and take appropriate action, including : Ordering XXXX XXXX  XXXX to dismiss the lawsuit against me. 
Ordering XXXX XXXX  XXXX to provide me with a proper written notice of debt collection. 
Awarding me any damages caused by the lack of proper notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against EQUIFAX for violating the Gramm-Leach-Bliley Act ( GLBA ) and causing me significant harm to my credit reputation. 
In XXXX of last year, I discovered that EQUIFAX had included inaccurate information on my credit report, which had caused a significant drop in my credit score. Upon further investigation, I discovered that EQUIFAX had not verified the accuracy of the information they had reported, as required by the GLBA.Despite my repeated attempts to dispute the inaccurate information, EQUIFAX failed to correct it in a timely manner. This caused significant financial harm to me as I was denied credit opportunities that I would have otherwise been qualified for. I also suffered emotional distress and a loss of trust in the credit reporting system. 
I believe that EQUIFAX actions not only violated the GLBA but also breached their duty of care to me as a consumer. I am seeking compensation for the damages caused by their negligence, including financial losses and emotional distress.Please authenticate and provide me proof that I am, '' LEGALLY OBLIGATED '' to pay this purported alleged debts. A simple answer of being " HAVE BEEN VERIFIED '' does not constitute an adequate legal or lawful response. Respectfully delete the following immediately : XXXX ) XXXX- # XXXX ( # XXXX ) XXXX ) XXXX  XXXX XXXX XXXX XXXX ( # XXXX ) XXXX ) XXXX XXXX XXXX XXXX XXXX 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  I also request that EXQUIFAX be held accountable for their actions and take steps to ensure that such a breach does not happen again. 
Thank you for your attention to this matter. 

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I purchased this vehicle in XXXX. It has NOT been reported correctly since opening the loan. It shows XXXX incorrect entries on my report over the last XXXX years ( either showing no payment, 30 days late, 60 days, 90 days or 120 days and now it shows I have not made a payment since XX/XX/XXXX, but I have never even been 30 days late. I have tried for 12 months to get this corrected. I have filed disputes and the company does not respond within 30 days, so the account just gets removed from my report, but it is still affecting my score. I want the account to show on my credit and be reported correctly. I have spread sheets and cashed checks for every payment ever made, which I will supply. 

I have XXXX and have to have a life saving XXXX which is almost {$200000.00}. My co pay if {$43000.00}. I have been prevented from getting this loan and my XXXX for almost a year due to this incorrect reporting. I have done everything I can to get it fixed and I have supplied the company with the creditor assistance number they need to call for XXXX and Transunion ( they say they don't report to XXXX ) but they are refusing to call, stating they can't stay on hold that long. 

I am hoping you can help me get this fixed so I can get the XXXX I need to save my life. 

I am supplying a picture of how they have reported me, a picture of my payment stub reflecting my due date and spreadsheets with my payment dates and check numbers. I can also supply all cashed checks if necessary.