23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hello, this complaint is against my Union Bank Credit Card for false or misleading program information in regards to Covid-19 assistance due to hardship on two separate occasions. This has now resulted in two late payments on my credit report, as well as a " hard credit check '' ( even after I verified with the rep on the phone that it would be a " soft check ''. 

1st Instance : In early XXXX, I received an offer by email indicating that if I'm having any financial issues as a result of Covid-19, that I could request payment deferment for 3 months via the Union Bank Credit Card website . I filled out this form, and received an on-screen confirmation that I can skip my mininum payment for 3 months without any adverse credit reporting, or late fees. Two month later, I was hit with a late payment on my credit. I called and spoke with Union Bank, and they rep said they had no record of my online request. 

2nd instance : I received a letter from Union Bank dated XX/XX/XXXX, stating that if I was impacted by Covid-19, to contact union bank for flexible relief programs. I called Union Bank and spoke with " XXXX '' or " XXXX '' on XX/XX/XXXX. The rep said that no such program exist ( even though I received a letter from union bank stating such a program exists ). The rep then took a payment from me to avoid a late payment. He rep also said they can run my credit to see if they can help in any way. I told the rep that I would only consent to a credit check if it was a " soft check '', and not a " hard check ''. The rep verbally confirmed that it would be a soft check. Today ( XX/XX/XXXX ), I was hit with a late payment, and a hard check on my credit. The Union Bank rep completely LIED, and the Union Bank letter contradicts what he told me about relief programs. 

Union Bank 's credit card division is not truthful, any Covid-19 related relief programs they advertise to customers are never actually available ( I can provide a copy of the letter they mailed me to advertise Covid-19 relief ). The phone rep completely lied. Please help. This has damaged my credit, and created a hardship situation. 

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

I am aware that you may have totally disregarded my letters or have failed to carefully review my letter due to the high volume of requests EQUIFAX receives daily. If this is the case, I 'm sure you 'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. 
I am aware that you may have misplaced my letters ; tossed my letter to the trash can ; or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily OR SIMPLY better yet EQUIFAX does not have a suitable person on staff that can read letters in ENGLISH!! If this is the case, I 'm sure you 'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request, the dated receipt of your reception of the original letter and a copy of the proof verifying the incorrectness of the credit item you have mistakenly placed on my records. 
The following information therefore needs to be verified and deleted from the report as soon as possible : Please investigate these three inaccuracies appearing on my credit report Public Records as there are DUPLICATES and remove at least two of the three PREFERABLY remove all three since XX/XX/XXXX expired on XX/XX/XXXX ( per FCRA - XXXX shall only be reported for up to Seven Years ) See Excerpt on next page : BANKRUPTCY DISMISSED XXXX Reference XXXX Filing Date : XX/XX/XXXX BANKRUPTCY DISMISSED XXXX Reference XXXX Filing Date : XX/XX/XXXX BANKRUPTCY DISMISSED XXXX Reference XXXX Filing Date : XX/XX/XXXX Please attached copy of Petition XXXX and Petition XXXX which were filed under the Original Cause No. XXXX requesting permission to sell properties protected by the Bankruptcy ( which was granted AND sold ). 
The perception EQUIFAX Credit Reporting indicates that I filed Bankruptcy three different era when I fact only I file Bankruptcy once in XX/XX/XXXX, not three times as being indicated on EQUIFAX Credit File! 
If my claim above is disputed by the Bankruptcy Court, please provide me with a copy of any viable evidence s ( submitted by the Court ) so that I may elevate this matter with Consumer Financial Protection Bureau ( CFPB ). Otherwise, please delete all three very old account from my Credit File ( beyond Seven Years Limit ). 
I trust XXXX will avoid perceptions of acting in bad faith, and will continue to comply with the Federal Trade Commission ( see 15 USC 41, et seq. ).
Product: Mortgage

I initially had a mortgage open with AmeriHome Mrtg. At the beginning of my home purchase in XXXX. As of XXXX XXXX my account was transferred to XXXX / XXXX servicer and AmeriHome mortgage was dropped off my credit report. As of a couple months ago AmeriHome mortgage has reappeared on my credit report now making it seem as if I have two mortgages open although I have not been with them nor made a payment to them since XXXX of XXXX. I only have one single family Home and one mortgage. AmeriHome mortgage should not be reporting on my credit. I have been dealing with them all morning today XXXX XXXX and it seems theyre giving me the run around on getting in contact with their claims/ dispute department. Ive tried faxing the claim over and it was unsuccessful, I tried opening the claim online as directed yet Im unable to login although I reset my password and login credentials. Ive called all morning and am being told different directions each time. I tried emailing them directly and as they were going to give me the email The phone call got disconnected. Im just looking to get them to stop reporting to my credit report since Im no longer with them and its inaccurate and effecting my credit.
Product: Credit card or prepaid card

Synchrony bank, the issuer of my sams club credit card, issues rewards points based on purchases. Sams club closed my local store and I have no way to redeem these points locally. As an alternative since I have no local store, Synchrony previously applied these rewards as a statement credit and has done this in other years. This year when I called to make this request they denied the request, saying the rules have changed. I believe that changing these rules without notifying me is unfair deceptive and abusive. I should have been provided an opportunity to cease use of this card in 2020 and not earn these points.
Product: Student loan

I have 5 student loans through XXXX XXXX. My monthly payments just went from {$150.00} a month to {$850.00} a month because they came out of deferment. I am a XXXX and I can not afford to pay {$850.00} a month. I tried to refinance my loans to be income based with several other lenders, but I didn't quality for any of them because my credit score is too low. I then called XXXX XXXX to ask them to put me on income based payments. They said they don't do that because they are private loans, but that they could put me on graduated interest payments for 12 months. That only lowered my monthly payment by {$170.00}. When I asked what other options they had for me, the only thing they offered was to move my payment for this month to the end of my loans, but the interest will still add up. So, basically they're offering me one month to somehow find a way to afford this huge monthly payment. There is no way I can afford that, and if I can't make the payments, my credit score is going to go down, and I am trying to increase my credit score.
Product: Credit reporting

WHY MY PAYMENTS FOR XXXX ARE NOT BEING REPORTED CALL XXXX TO MAKE A COMPLIANT AND THEY STILL ARE NOT REPORTING WHEN I PAY
Product: Debt collection

In XXXX of XXXX I noticed 6 new collections accounts added for $ XXXX $ XXXX $ XXXX/ $ XXXX $ XXXX {$520.00} i disputed these items and requested debt verifications I received no debt verification and the disputes resulted in a decision of accurate information I contacted the collections agency to find out what dates the accounts became delinquent I was told XXXX and I asked why they were violating federal law by reporting theses accounts as a new delinquent account they said because the credit bureaus made them and I explained I would file complaint and possibly lawsuits if it wasnt corrected and they refused to make any attempt to correct
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 an unauthorized person. used my ssn and tried to open a usbank credit card. 

I reported the fraudulent transaction to usbank and XXXX XXXX. 

Usbank did not open the credit card and XXXX XXXX advised me to report the incident to the federal trade commission.
Product: Student loan

Effective Type Amount 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  navient was the loan servicer for this loan servicer. Also as you can see that my XXXX XXXX was taken and I was not notified that these garnishments were taken out of my check and also the XXXX XXXX were also in my late husbands name as well as mine. XXXX XXXX XXXX. I did not know that our XXXX XXXX was going to be taken from me as this XXXX XXXX was in both me and my late husbands name at the time of the garnishments
Product: Debt collection

In regards to account I am a victim of identity theft. I am a natural person and consumer and this is fraudulent activity that has been furnished on my credit report. 
I have an attached copy of my ID Theft Report in the attachments. 

I demand that the all and any accounts from the following accounts be removed immediately off my credit report. 


Account name XXXX XXXX XXXX Account number XXXX Account type Collection Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information These accounts are indeed reported on my credit report in connection with a credit transaction and Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) they should be removed.
Product: Debt collection

Sezzle account tried to make payments arrangements with the amount of {$660.00} and not its showing a different amount .I was affected with XXXX was sick in the hospital and had an emergency XXXX and lost wages and became XXXX  and didnt try to work with me concerning the debt. And it reported to credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine but are reflecting on my credit report. 

XXXX XXXXXXXX XXXX - {$5900.00} Opened XX/XX/2020 XXXX XXXX XXXX XXXX - {$780.00} Acct # : XXXX XXXX Bank XXXX - {$1800.00} Acct # : XXXX Capital One Bank - {$500.00} Acct # : XXXX Capital One Auto - {$32000.00} Acct # : XXXX They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave XXXX XXXX XXXX XXXX bank any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT. I HAVE TRIED NUMEROUS ATTEMPTS TO REACH OUT TO XXXX BY PHONE AND ON THEIR OFFICIAL WEBSITE TO CORRECT THE INACCURATE ITEMS ON MY CREDIT PROFILE. I HAVE SENT OVER THE REQUESTED DOCUMENTS A FEW TIMES FOR DISPUTED ITEMS AND WAS TOLD THEY NEVER RECEIVED IT! SINCE THEN I HAVE TRIED AT LEAST 5 TIMES TO UPLOAD THE DOCUMENTS ONLINE AND NOT ABLE TO COMPLETE THE PROCESS. ALSO SAME ITEMS THAT I DISPUTED WITH XXXX AND XXXX ARE DELETED BUT XXXX REFUSED TO DELETE. THE FUNISHERS ARE : XXXX AND LINCOLN FINANCIAL SERVICES. BASE ON THE LAST REPLY ON MY RECENT COMPLAINT ON XXXX. THEY HAVE NOT REMOVED THE INACCURATE INFORMATION ON EACH A D EVERY CRA 'S AS PROMISED! I HAVE CALLED 3 TIMES AND WAS TOLD THAT THEY ARE WORKING ON IT! I HAVE ALSO ATTEMPTED TO REACH OUT TO LINCOLN FINANCIAL SERVICES AND NOTHING WAS DONE AS AGREED. I AM BEYOND FRUSTRATED AND DISAPPOINTED ESPECIALLY WITH XXXX! IT IS EFFECTING MY ABILITY TO OBTAIN CREDIT, LOANS, AND ASSISTANCE FOR MY HARDSHIP THAT XXXX EXPERIENCING AT THE MOMENT. THE MENTAL AND EMOTIONAL STRESS THAT IT HAS CAUSED IS OVERWHELMING AND EFFECTING MY WELL BEING. Please help and advise what to do resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, declare under penalty and perjury ( under the laws of the United States, if executed outisde of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE Law to file this dispute. I also understand that willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 USC1621. These items found within my credit report are not related to any transactions that I made. I am alleging that a person or company- without my authorization- used my personal information to apply for goods, services, or money ; and were successful in creating this account. These debt collectors are in violation of putting these unknown accounts on my credit report. This has caused me to suffer and its a defamation of my character.
Product: Debt collection

On or around XX/XX/XXXX, I received a letter of deletion from SYNERPRISE CONSULTING SVS INC stating the account isn't mine, and my credit file will reflect that. 

XX/XX/XXXX, the debt is reported on my credit file. I have called countless times to speak with a representative, however, no one answer my question of why the account is on my credit since I don't owe. 

I have sent letters such as Identity Theft Affidavit, police report ( case # XXXX ), FTC Identity Theft report because the information they are reporting is the result of identity theft, and inaccurate. I have requested that they stop reporting this information to the CRSs as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, and to take them as soon as possible. I also enclosed a copy of the FTC 's Notice to Furnishers which explains their responsibilities when reporting information to CRAs. 

PLEASE stop reporting this fraudulent information, investigate this matter, and delete any disputed items as quickly as possible. 

I also request for a letter explaining their findings and actions. I am a victim of identity theft, and I wrote the original creditor and collection agency to dispute the following charges on my account.
Product: Credit card or prepaid card

In XX/XX/2020, I open a dispute ( XXXX ) regarding a purchase which I was overcharged due to insurance being added to my rental without my authorization. The citi FAILED to do a investigation within the fair credit and billing act. They automatically closed my dispute without a proper investigation and sided with the merchant.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XX/XX/XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX SC XXXX Re : Dispute of Alleged Debt ( Account Number : XXXX Dear LVNV Funding LLC : This letter serves as my formal dispute of the alleged debt referenced above, pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C . 1692, and Uniform Commercial Code ( UCC ) Section 9-208. I request immediate and proper validation of this alleged debt to ensure full compliance with all applicable laws.

1. Validation of Debt ( 15 U.S.C. 1692g ( b ) ) Under the FDCPA, you are required to provide written validation of the alleged debt within 30 days of my request. Validation must include clear and documented proof of : o Your legal authorization to collect this debt.

o The name and address of the original creditor.

o A detailed accounting showing how the amount claimed was calculated.

Failure to provide such documentation will indicate that you are unable to lawfully enforce this alleged debt. Any further collection efforts without proper validation will be viewed as a violation of federal law.

2. UCC 9-208 : Duty of Secured Party Pursuant to UCC 9-208 , if you can not provide verification of a perfected security interest in this debt, you are obligated to release any claim or lien related to it. Accordingly, I demand : o Evidence of the complete chain of title for this alleged debt.

o A copy of the original agreement bearing my signature or other legally binding authorization.

o Documentation proving this debt remains outstanding and has not been satisfied or discharged. 
XXXX. Relevant Legal Precedent Courts have upheld consumers rights to demand thorough debt validation under the FDCPA. In XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX. XXXX XXXX. XXXX ), the court held that a debt collectors failure to validate a debt under 15 U.S.C. 1692g prohibits further collection activities.

4. Cease and Desist Until such time as the alleged debt is fully validated to my satisfaction, you are hereby instructed to cease and desist from all collection efforts, including but not limited to phone calls, letters, credit reporting, or any other form of communication regarding this matter.

5. Remedies for Non-Compliance If you fail to comply with these requirements or continue collection activities without providing adequate validation, I will explore all available legal remedies. These remedies may include filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), my states Attorney General, and/or pursuing legal action for violations of the FDCPA and other applicable laws. This may include seeking statutory damages, actual damages, attorneys fees, and costs.

Please provide a written response, including all requested documentation, within 30 days of the date of this letter. Failure to respond adequately will result in further action to protect my rights. 
This letter constitutes a good faith effort to resolve this matter privately and amicably. Please govern yourselves accordingly. 
Sincerely, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just recently spoke to a fraud representative at XXXX XXXX regarding this account that is re-appearing on my Experian Credit Report after being first removed from my Experian Credit Report back in 2017 by the name of XXXX. I informed XXXX that their company is re-reporting back on my credit report after being removed back in XXXX, 2017. XXXX asked me for my personal information. After giving him my personal information, XXXX was able to confirm that my information is mixed with someone else. He informed me that my name is a very common name and that could be the reason why its reporting on my credit report incorrectly. 
I am also including in my attachment that original ID Theft Police Report dated back in XXXX, 2017, which is when this account was originally deleted. 
Below is the fraudulent/mixed account that I would like to have permanently deleted : 1. XXXX XXXX XXXX - Account number - XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, XXXX found out my PayPal account had been permanently restricted keeping me from getting my XXXX Funds and cash balance out of the account. I have not violated anything in the terms and agreement so at this point my funds are no longer theirs to hold. I have nothing in previous transaction that will explain a legal right for PayPal to hold these funds for any longer. I am having a financial crisis because of this action from PayPal. I will end up in the streets because these funds are being withheld from me. PayPal chose to close my account they no longer have the right to hold my funds. I called several times and on one occasion was lied to about no supervisor because they are all of equal authority. Yet I called again and was told they needed to speak with a supervisor. Remind you now these are recorded conversations. I was told the wallet was getting accessed from XXXX I don't know anyone in XXXX so this was another lie. I feel as fast as they restricted the account they can restore it long enough to get all my funds out immediately. I called on XX/XX/XXXX @ XXXXXXXX XXXX XXXX XXXX  and XX/XX/XXXX XXXX XXXX. 
The amounts of funds are {$1400.00} XXXX {$160.00} I know there is a way to give me access long enough to get these funds out since they closed my account of their own decision. I give them to XX/XX/XXXX for this to be completed. I will also be filing a small claims lawsuit should they feel they can legally hold my money still which has caused a serious financial hardship. 
To resolve this I will need immediate access to my funds. I look forward to PayPal reply ASAP them informing me to receive all my funds immediately. 
I will expect my funds released immediately or I can get in touch with several other organizations that can get this resolved. I'll for sure let the Texas XXXX know about this. XX/XX/XXXX Sincerely, XXXX XXXX
Product: Debt collection

( 1 ) XXXX to XXXX - IRC Services called 6 times concerning a XXXX Loan I received in XX/XX/2014 for {$540.00}. 

( 2 ) This Debt was formally Discharged in Bankruptcy XXXX # XXXX on XXXX. 

( 3 ) IRC Services called all six times from the following number : XXXX ( 4 ) Upon finally reaching me, The first IRC agent Iidentified himself as an officer from the Financial Crimes Division of the XXXX XXXX XXXX 's Dept. He then proceeded to give me his Badge number for my records. He told me that I presented a fraudulent check for payment on a PAYDAY loan in XXXX. He informed me that the case would be presented to The XXXX XXXX XXXX XXXX for felony indicment. 

( 5 ) He also told me that I could prevent the indictment if I agreed to pay the debt in full. He said that he did not want me to get a criminal record or go to jail.

( 6 ) He transferred me to his boss, XXXX XXXX who also provided me a badge number. He told me that he could hold the indictment if I paid the debt in full over the phone. I told him that the Debt was discharged in bankruptcy but he insissted that bankruptcy did not protect me from criminal charges becuse I bounced a fraudulent charges. He assured me that he was presenting the case to the XXXX XXXX XXXX XXXX if I refused to pay in full. 

( 7 ) I replied that I wanted to call my Bankruptcy attorney and XXXX XXXX told me that he was presenting the case to the XXXX XXXX Prosecutor for charges.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 

XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX