23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have been trying unsuccessfully to obtain help from Upgrade , Inc., XXXX XXXX XXXX, a California-based " neobank ''. Last spring, I had completed a loan application with Upgrade, but did not take out a loan. Since then, Upgrade has been tracking my credit history and sending me alerts. I do not recall opting in to credit health monitoring. I've contacted Upgrade Support three times. They have told me that I do not have an " account '' with them and they have no information to delete. However, when I press them, they do say they can see my personal information and that I applied for a loan. 

I can verify that I do have a login for their website ( https : //www.upgrade.com ) and I can access their Credit Health service ( https : //www.upgrade.com/credit-health/health ). The entity monitoring my credit is Upgrade itself. I am not logging into a third party platform, as some Upgrade support representatives have suggested. I have unsubscribed from emails, but this account with Upgrade is still active. I see no option on the website to opt-out nor request my login/account be deactivated/closed/deleted. 

I request assistance in having Upgrade disable any and all Credit Health monitoring and delete my information / user account from their system. I do not authorize any credit monitoring.
Product: Credit reporting, credit repair services, or other personal consumer reports

A thorough investigation was not conducted. I initially sent a notarized letter through certified mail on XXXX XXXX. I did not receive an email from Experian stating that the investigation was open until XXXX XXXX. US Postal service annotates that Experian received the certified letter on XXXX XXXX. On XXXX XXXX, less than 48 hours after the investigation was open, Experian concludes that my investigation was complete. There were 8 items listed on my dispute letter and Experian only investigated one item according to the dispute results. The one item that they did decide to dispute is still inaccurate. I also requested documentation to prove that these items were accurate and so far I have received nothing.
Product: Checking or savings account

I opened a XXXX XXXX Saving account in XX/XX/2023 under the " Citi Accelerate Savings Leveled Bonus Offer '' I received an email from CitiBank on XXXX titled " XXXX, Congratulations on enrolling in the Citi Accelerate Savings Leveled Bonus Offer '' The stipulations for receiving the {$450.00} bonus were as follows : " As a reminder, to receive a Cash Bonus : Deposit New-to-Citibank Funds into your new Citi Accelerate Savings Account within 20 days of account opening. The balance on the 20th calendar day after you open your account will determine your maximum Cash Bonus. * Maintain the required Minimum Balance in your eligible account ( s ) every day for 60 days from the 21st day after account opening. * " I deposited {$50000.00} as soon as I opened my account. The money has stayed in the account now for 104 days. I have fulfilled the bonus requirements. 

I called CitiBank and they claim my account does not have a promotion attached to it. They claim they do not have an email address for me to forward my evidence to. 

I demand they pay me the bonus that I signed up for.
Product: Credit reporting or other personal consumer reports

my XXXX XXXX is reporting on my report falsely and i was sent a 1099 C showing my debt has been canceled, i need the XXXX XXXX from XXXX XXXX removed
Product: Credit reporting, credit repair services, or other personal consumer reports

This bill has been on my report in different names. This has been paid in full using the Law office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX This account was paid off in full.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding the inaccurate reporting of bankruptcy information on my credit report. The issue pertains to a bankruptcy entry listed under reference number XXXX, which was reported by Equifax. 

I have disputed the accuracy of this bankruptcy entry with Equifax and requested detailed documentation on how the information was verified. According to the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( a ) ( 1 ) ( A ) [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ], credit reporting agencies are required to investigate and provide verification of disputed information. However, the U.S. Bankruptcy Court in XXXX, which is the original source for bankruptcy data, does not provide such data to third parties, as confirmed by the attached letter from the court. 

Under Section 605 ( b ) of the FCRA [ 15 U.S.C. 1681c ( b ) ], bankruptcy information must be verified through the original source, which in this case is the court or an authorized entity related to the court. If Equifax did not obtain verification directly from the court, the information should be considered inaccurate and removed from my credit report. Furthermore, Section 611 ( a ) ( 5 ) ( A ) of the FCRA [ 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ] mandates that unverifiable information must be deleted from the consumers credit report. 

Despite my efforts to resolve this issue directly with Equifax, I have not received satisfactory documentation or confirmation that the bankruptcy information was verified through the proper channels. I am seeking your assistance to ensure this matter is addressed and that my credit report is corrected in compliance with the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated. 


I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX XXXX  to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXXXXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, Experian, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX, XXXX XXXX, CA, has been charging me outrageous 152 % interest rate for the last 2 years on the amount of {$1600.00} loan. They have debited my bank account over {$3600.00} for the loan amount of {$1600.00}. The balance is still {$1100.00} which means they have charged me {$3100.00} interest on {$500.00}!!!! The mode of financial fraud is that they never sent me any monthly or yearly statement, so I never knew what was happening to me. How many other people have been ripped off by XXXX XXXX XXXX no one knows. Once I called today the XXXX XXXX told me about that. The loan applied at auto repair store XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX. 
The XXXX XXXX XXXX, Tel XXXX, kept on secretly and silently charging my account.
Product: Payday loan, title loan, personal loan, or advance loan

The Affirm sent me an advertisement saying {$30.00} off your {$100.00} dollar plus purchase XX/XX/XXXX at XXXXXXXX XXXX and so I activated it when I made {$110.00} purchase yet they refused for over a month to credit me as stated in their email. I filed a dispute about it, but they still haven't resolved it. At times they tried to say this dispute is solved and they just don't credit me. One Affirm representative told me that I would get the credit by the first week of XXXXXXXX, so I didn't plan on making a payment XX/XX/XXXX because I'd either get the credit or it was still in a dispute that didn't allow me to make any payments. 
Now though they have not settled the dispute they have and doesn't allow you during a dispute to make payments, they have rejected getting any further credit from them as though I'm late on my XX/XX/XXXX payment. The {$30.00} credit would have covered more than one payment. So, I've spent a lot of time on the phone getting nowhere with them.
Product: Student loan

I have a Consolidated Stafford loan with XXXX XXXX, that was recently switched to Navient as the servicer. The loan has been on an IBR payment plan for several years, but on XX/XX/XXXX I called Navient to inquire about lower monthly payments. I was told that switching to a  graduated payment plan would reduce my monthly payment to around {$40.00}, so I agreed to switch. I was then told in order to switch payment plans they have to apply a 1 month forbearance, so I agreed. 

A few days later I received several emailed letters. One email showed a higher payment amount than I was originally told and another email stated that a reduced interest rate incentive will be removed from my account. On XX/XX/XXXX, I called Navient to inquire on these letters and was told that the once they processed the new payment plan that the payment went up because my loan term was shorter than previously thought. I was also told that the reduce interest rate incentive was removed because of the forbearance, but would be reinstated once the forbearance ended and I was placed on the new payment plan. 

After 2 payments on the new payment plan I noticed that the interest rate was still not reduced, so on XX/XX/XXXX I called Navient a third time. This time I was told that the interest rate reduction incentive can not be reinstated because it was a 'voluntary forbearance ' not an 'administrative forbearance '. 

Again, I never wanted the forbearance, but was told I had to do the forbearance in order to switch payment plans, I was given no other option other than the forbearance, and I was never told I would lose the interest rate reduction. Had I been told any of that, or that the actual payment would be twice as much, I would not have switched the payment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

GM Financial XXXX XXXX XXXX XXXX, TX XXXX XXXX ( XXXX ) XXXX Acct # starting in XXXX I am writing to dispute a charge off on my credit report that is past the statute of limitations. 

According to my records, the statute of limitations for this debt has expired, and as such, it should no longer be reported on my credit report. This account was settled in XX/XX/2016. 

I request that this charge off be removed from my credit report as as soon as possible.
Product: Credit card

On Tuesday, XX/XX/year>, I remembered that I had some " promotional balances '' that were going to expire soon on my Best Buy Citi Bank credit card. 
While reviewing the balances, I noticed XXXX for {$260.00} that did not seem correct. And there were XXXX more charges for {$43.00} on XX/XX/XXXX, but only one of them should be listed. I checked my Best Buy history and it did not match the promotional balance totals. 
XXXX. ) I first spoke with CitiBank at XXXX XXXX, and they informed me before disputing the transactions I needed to confirm the issues with BestBuy . 
XXXX. ) I then called BestBuy at XXXX XXXX, to confirm I wasn't missing a clue as to why these charges were here and then confirmed my concerns were correct and I needed to discuss further with Citi XXXX 
XXXX. ) I then called and spoke with XXXX at Citi Bank at XXXX XXXX XXXX she confirmed that the double charge for {$43.00} was incorrect and XXXX of them needed to be removed and she would have it removed. She let me know it was a CITIBank error and apologized. She also gave me the order number for the {$260.00} promo to investigate further with Best Buy. 
XXXX. ) I called Best Buy again at XXXX XXXX and confirm the order was cancelled and the promo balance should not exist any longer. 
XXXX. ) I called CITIBank again at XXXXXXXX XXXX, I reconfirmed that the XXXX promotional balances listed were returned and refunded to my Citibank XXXXard, but Citibank did not apply the refunds properly. 

Unfortunately, Citibank is now refusing to fix their error and they are wanting to charge me interest for items that I don't even own. I then asked to close my account and make a complaint.
Product: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' savings accounts. Capital One misrepresented the 360 Savings account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Savings account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises. I was forced to move accounts after these many years.
Product: Credit reporting or other personal consumer reports

I noticed unauthorized inquiries on my credit report and fraudulent accts that I do not recognize. I believe someone has my personal information and is posing as me to obtain credit In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Hard Inquiries XXXX XXXX XXXX XXXX Account name : XXXX XXXX acct # XXXX Account name : XXXX XXXX XXXX  acct # XXXX Account name : XXXX XXXX XXXX  Acct # 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. 

You may have not supplied proof under the doctrine of estoppel by silence, XXXXXXXX XXXX XXXX  ( XXXX  ) XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt.
Product: Credit card or prepaid card

On Friday, XX/XX/XXXX, I made a purchase through XXXX to my Bank of America card that I've owned and used for over 16 years.

Within minutes I was informed that my payment was declined. Because many companies charge users for non-payment on a credit card, I panicked and tried desperately to call Bank of America credit services. First of all, the answering assistant would not let me through, as none of their options fit what I was calling about. I finally got through by pressing 0 about 30 times.
But then I was informed that the payment was declined because of security, a fraudulent charge. As I've had the card for over 16 years, this answer did not make sense. I have used it numerous times via XXXX  and never had any issues with it, paying that way.

I asked for a supervisor and got nowhere. The first agent just put me back into the same call group and I had to wait and wait and wait for another agent to answer and then I had to go through all the explanations all over again. Again a request for a supervisor got ignored.

I was transferred again to another agent who was supposed to be a specialist on fraud ( of course, I was not calling about fraud! ), and he said yes, the payment was declined, but then it was approved. But he would not explain to me why it was declined in the first place - remember, I had used it numerous times in this manner before and there was never any problem. 

On Saturday XX/XX/XXXX, I checked and the payment still had not shown up on my credit card ( it was pending ) and I still had not gotten an answer as to why it was initially declined, which caused me so much stress.

I called again and asked for a Manager. I fought my way through the answering assistant again and then asked for a Manager. 20 minutes later, the person who had put me on hold said she could not get a manager and that I should call back later.
I did. I fought my way through the answering assistant again and this time I got a representative from New Mexico. No answers, and again I was transferred to a fraud specialist.

That specialist ( she said she was in Maryland ) was the most rude, condescending and hateful representative I have ever talked with. Again, no answers, and I was tired of her addressing disrespectfully.

At this point, I really have no one respond as to why the payment was declined. No one can explain what triggered the decline or why. I never got to talk with a Manager. Despite the fact that I have used
this card to purchase on XXXX  via XXXX many times in the past, no one could explain why this happened.

Truly an awful experience and an awful company to do business with.
Product: Debt collection

Called on, XXXX/XXXX/15 @ XXXX, to my home telephone number and numerous other times. 

The voice message stated that they were calling as a courtesy to receive my statement in regards to a asset & liability search done on my phone number. To dispute the claim I needed to call their office back at XXXX. Failure to do so would document me a non-cooperative. 

I have also received messages tied back to this number claiming that the IRS is suing me and that I need to call immediately. 

I believe this is a violation of multiple sections of the FDCPA and I want this to stop. I 'd like to pursue any legal & financial compensation remedies allowed under the law.
Product: Credit reporting or other personal consumer reports

I demanded Experian for a deletion of all personal identifiable on my consumer credit report with the expection of this 1 name, address, and phone number. 
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX ( XXXX ) XXXX Due to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Product: Credit reporting

I have requested numerous times to remove the Bankruptcy record from both my and my wife 's report. It has been more than 7 years, and by their own words, the record may remain on file for 7 or up to 10 years.
Product: Checking or savings account

I had an account with Suntrust for a good three or four years. Overdrafts were a problem, and I admit that I was n't very good at handling them, but overall I think I was a good customer. 

I 'd had a good couple of weeks and put together the money to get my account out of the negative, and went to deposit it. I planned then to close the account and move to a simpler and less expensive service. However, I discovered that they had closed my account for me, making it impossible for me to pay. 

I have since been unable to open a new checking account owing to some hold, and my attempts at making payments to Suntrust to resolve this issue have all failed on various issues on their end, including unwillingness to take checks ( from family, not from me ) or money orders. I 've also been informed that even if I do pay Suntrust their money it may take 6 months or more for me to be able to open a new account. 

90 % of the money they claim I owe them would be their banking fees, and they charged me that money against my will and over my objections. I had made it clear I did not want overdraft protection, and they insisted on continuing to let me be overdrafted and charged me. I suffer from occasional mental health problems and find it very difficult to keep track of what bills at times, especially unwanted fees. 

I do n't know what I want you to do. I 'd be happy to pay them all the money they claim they desire, but I do n't feel comfortable bringing them cash. I do n't trust either my branch or them to handle it in such a manner.
Product: Credit card or prepaid card

I experienced fraud on my American Express Corporate Card in XX/XX/XXXX. While I was travelling in XXXX XXXX ( XXXX  and Connecticut  ), I noticed 3 XXXX  charges from XXXX, XXXX. I immediately called Amex and was transferred to the fraud department. We identified the charges as fraudulent and I filed a claim. I was issued a provisional credit and was told it would be made permanent on the conclusion of the investigation. I called back several weeks later and was told the investigation was still ongoing. ( It was unclear why much investigating was required given I had charges at physical locations in Massachusetts  the same day. ) I was told the case required a maximum of 45 days to resolve, yet there was never a permanent credit issued.

I called today, in XX/XX/XXXX, and was told that there was no case and no credit had been issued ( apparently my case had been lost. ) I had to provide all the information again and was told my case ( XXXX  ) will now take another 45 days to resolve. Given how this is obviously fraud and I have already filed a case, I find this timeline unacceptable and have told your representative that.

I expect to be issued a full credit immediately - this is not a difficult investigation and two minutes of analyzing a statement will make apparent that there has been fraud.
Product: Credit reporting or other personal consumer reports

These are the hard inquiries that I did not authorize these companies to run my credit. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX