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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDXXXXXXXX XXXX XXXX XXXX XXXX USDOE/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 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 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 alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not do a proper investigation when XXXX and XXXX did. Equifx just verify informtion instead of properly doing the investigation. Several items were deleted from XXXX and XXXX but equifax continue to report this information wothout providing validation.
Product: Debt collection

I am a victim of identity theft and did not authorize this account with National Credit Systems for apartments with XXXX XXXX XXXX.
Product: Credit card or prepaid card

XXXX / Synchrony Bank issued a zero interest loan for purchases made in XXXX of XXXX, until XX/XX/XXXX. 
Initially the monthly payment due was {$45.00}. 
I set up BiWeekly and Monthly electronic payments with my bank for a total of {$55.00}. 
These electronic payments would debit from my account in one, but never more than two days. 

In XXXX of XXXX, Synchrony Bank arbitrarily raised the monthly amount due to {$53.00}. 
Synchrony Bank 's arbitrary raising of the monthly payment was an attempt to collect fees on an account that does not provide Synchrony Bank interest or fees of any kind. 

In XXXX of XXXX, Synchrony Bank debited a payment from my bank account on XX/XX/XXXX ( the due date ). 
On XX/XX/XXXX, Synchrony Bank posted the XX/XX/XXXX payment to my Synchrony Bank account, and then imposed a {$28.00} late fee, even though Synchrony Bank received the bank funds on XX/XX/XXXX. 

Synchrony Bank then raised the monthly amount due in XX/XX/XXXX to {$66.00}. 
The late posting thus incurring additional late fees and then interest. 

The late posting of the XX/XX/XXXX payment to the Synchrony Bank account is predatory in nature and an attempt to obtain fees that the zero percent account would not normally afford Synchrony Bank. 

This is a common and ongoing practice of Synchrony Bank, and needs to cease. 

These fees now total {$230.00}, and are continuing.
Product: Debt collection

On XX/XX/XXXX I received a summons from the XXXX XXXX XXXX XXXX XXXX. The summons stated that I had to appear in court on XX/XX/XXXX, at XXXX XXXX. The attorney 's office XXXX XXXX XXXX was representing a company by the name of Cavalry SPV I LLC. The amount that I was being XXXX for was {$3500.00}. After receiving the summons I respond by sending three letters to address this issue. The following letters were a Cease & Desist, Debt Validation Letter, and another requesting other information to support the company 's right to collect this debt. All XXXX letters were sent on XX/XX/XXXX to Cavalry SPV I LLC and to XXXX XXXX XXXX  along with a green-certified return receipt via the US post office. On XX/XX/XXXX I received a packet from XXXX XXXX XXXX and a letter that stated an account with XXXX XXXX Shop Your Way with account # XXXX. The account was opened on XX/XX/XXXX for the amount of XXXX XXXXXXXX packet also contained a stack of billing statements from XXXX, no documents previously requested validating the right to collect the debt. One of the green-certified cards was returned on XX/XX/XXXX by Cavalry SPV I LLC. On XX/XX/XXXX I appeared in court at that time I was asked by the XXXX XXXX XXXX 's attorney to make payment arrangements. I decline to do so because under the Consumer Protection Act I was not given the information I requested and my rights are being violated. The attorney showed me a document signed by a representative from XXXX that I had not received but requested. A new court date was set for XX/XX/XXXX at XXXX XXXX. On XX/XX/XXXX I received the 2nd packet very much like the first one however it stated that I opened the account with XXXX on XX/XX/XXXX. This is a very huge difference at less by 10 days according to 1st letter. I did not sign a contract with this company. I did not give them permission to contact any creditor or credit agencies. One hardship that I experienced was I had a store credit through XXXX for two years that was closed due to Calvary negative reporting that was in good standing. I can not apply to move to a new home because my credit is being negatively affected. I will attach my documents to support this complaint.
Product: Debt collection

I recently received a copy of my credit report which showed several unauthorized and fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) .after a short vacation in XXXX XXXX , Florida . I don't have any knowledge of these accounts being open, and any contract bearing my physical WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it. I requested proof from the creditor, and they were unable to provide me with any proof otherwise. The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. According to the FCRA Section 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through the physical verification proof of the original signed consumer contract ( i.e. an original consumer contract with my signature on it XXXX any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account
Product: Credit card or prepaid card

I previously submitted a complaint to the CFPB regarding Citi. Since then I have received new information that should be considered regarding this complaint. 

I pursued the complaint by contacting the Citi Executive Response Team. I have attached their latest reply and some background information.

The crux of the issue ( see attached letter ) is that I received incorrect advice by the Citi billing disputes department about whether I could close and then reopen a payment dispute. Previously Citi had denied that their agent had said that I could reopen a dispute, they have since changed their stance. 

In their latest letter they state, We regret any misunderstanding regarding this matter and that your conversations with our representatives were not completed to your satisfaction. Citi are not denying that their agent may have said this - their agent did tell me that I could reopen the dispute. 

I canceled a dispute with a merchant on the Citi website to work out a solution directly with the merchant ( as requested by the merchant and directed by the Citi agent ). When canceling the dispute on their website I read all of the Citi messages. My biggest issue with Citi is that there is NO warning that the dispute could not be reopened. The Citi Executive Response Team agrees with me. In the attached letter they state, While we understand the verbiage does not specifically state you will not be able to reopen your dispute, it does state that withdrawing the dispute will stop the investigation and close your case. 
Citi is agreeing that they are not adequately warning customers that closing a dispute is final. They have agreed their wording is ambiguous. 
Citi agrees that their agent may have told us that we could reopen a dispute. 
When my negotiations with the merchant failed and I tried to reopen the dispute Citi refused. The merchant has since gone bankrupt. 

I submit that Citi has failed its legal responsibility to adequately warn customers about the hazards of canceling a dispute with a merchant. I believe that the majority of bank customers could not know about this trap, unless explicitly told. Furthermore, Citi have failed to adequately inform their own customer support agents of this rule. In the attached letter they show no remorse or intent to change website messaging and that is clearly leaving their customers in the hands of unscrupulous businesses. Why is this? 

I want the {$4400.00} of the original dispute to be paid to me by Citi. I would never have cancelled the disputed transaction if I had known it could not be reopened. Citi has admitted that they are culpable in this situation. They did not provide adequate warning of the results of canceling a dispute. Furthermore, they do not deny that their own staff may have stated that a dispute can be reopened - which they did. 


XXXX XXXX
Product: Debt collection

XX/XX/XXXX was the 1st email to the collection company to pay the medical debt. Last email was XX/XX/XXXX. In-between those dates my wages were garnished for the judgment of {$3800.00}. We never were contacted by phone or mail. 
The amount due on the judgment that was filed was paid in full from garnishing my wages. 
The collection company won't sign a Satisfaction of Judgment. I was garnished {$7800.00} double what I owed on the judgment & the collection company still says I owe over {$1700.00}. 
There is nothing in court filed that I owed any more than {$3800.00}. 
I have 3 years of emails with different reasons & different totals. They garnished more than what the judgment was for. At one point they told me the interested goes back to the medical clinic from where the bill came from. I have an e-mail from the medical clinic on XX/XX/XXXX stating they do not get any interest/principle payments. 
Our medical bill was paid for far beyond what was owed & the collection company still claiming we owe more. One e-mail even said from the collection agency the client would settle for less than what is owed, but yet we still paid double of the medical bill to the collection agency & the collection agency is still trying to collect more.
Product: Debt collection

Request to Remove All Delinquents Credit Reporting With Judges MANDATE From United States Court of Appeals for the Second Circuit Today with Sufficient Supporting Proof In XXXX XXXX favor against United States Department of the Treasury. Social security check garnished every month and bad faith collection not following FTC guidelines by XXXX XXXX XXXX collection company and neglect. 

To Remove All late payments for FedLoan for the past three years because I was in school and Administrative Waiver under Federal law timely file. I was also granted as a matter of law and Sovereign Immunity. 

XXXX XXXX XXXX is desperately collecting and reporting incorrect XXXX XXXX  XXXX XXXX  prepaid card with out proper full disclosure of Truth In Billing Reconciling all payments activities and Federal Truth In Billing Disclosure Act for closed paid initial account paid in full for {$300.00} reported as {$3500.00}. No proof provided just frivolous comments with no bank statements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been reporting this XXXX acct XXXX acct number XXXX after they know it fraudulent because they blocked it with the full account number then left the account with the partial account number! XXXX  blocked it and I sent Equifax a Certified USPS letter over a week ago asking them to do the same with Proof and the lady named XXXX in Consumers Affairs refused saying I could have another 30 days but no  block. I asked by whose authority she simply kept repeating the same thing over and over! I am asking you The CFPB to help me with this annoying problem that they could care less about!!!
Product: Debt collection

this collectors are harassing and abusing me by calling repeatedly 5 to 10 times a day and at XXXX and XXXX they are constantly are threatening me constantly to pay them with gift cards from XXXX XXXX or send them money from XXXX XXXX XXXX they said they will come by and arrest me cause they have the power to arrest anyone if i don't have the gift card ready for them when they come by the house. I already told them i do not owe you anything. I'm a victim of Identity theft, I have no knowledge of any account debt at all. Do not contact me. they keep harassing me..to pay them with gift cards. Please help... I have a XXXX I am a XXXX citizen..
Product: Credit reporting or other personal consumer reports

i am a victim of XXXX XXXX, that being said i have filed so many complaints to all XXXX major credit reporting agencies and they all have failed me multiple times saying that they validated all the accounts that have been opened fraudulantly opened in my name.
Product: Mortgage

I had a 5 year loan modification with XXXX XXXX, who then sold it to XXXX XXXX XXXX and then XXXX sold it to Nationstar Mortgage. In XXXX of 2014, the original 5 year modification ended and Nationstar sent me a letter stating my mortgage payment went from {$1200.00} / Month to {$2200.00} / Month, which there was no way I could afford. I tried to do a loan modification with Nationstar, and after a few months they came back to me and said " Congratulations, you 've been approved ''. My new monthly payment would now be {$2100.00} / months. Wow! They took off a whole {$14.00} per month. I have been trying to work with my Loan Modification specialist to work something out but they are very unresponsive and will not get back to me for weeks, in some instances. Now, it appears they will either send me a default notice or possibly have me do a short sale or cash for keys, and be out of my home of 14 years in 60 days.
Product: Credit card or prepaid card

I had a credit card with AMEX because I used it at XXXX. XXXX   decided to terminate the relationship with AMEX and my AMEX account was closed. XXXX  sold the list to Citibank who sent me letters telling me to sign up for a XXXX XXXX   credit card.

I did not sign any forms with Citibank and now they are attempting to collect money from me. I have never charged anything, I do not have a Citibank card. Their charges are from their annual fee and interest.

I have written to Citibank several times and they do not answer.

I get calls daily from a Citibank robo caller.

I hate Citibank.

I think this is like XXXX XXXX opening accounts without permission.
Product: Checking or savings account

On XX/XX/2023 at XXXX, I went to the XXXX XXXX XXXX XXXX XXXX NY XXXX Citibank branch to make a withdrawal of {$580.00} from my Savings account. Before I could collect my money from the machine, the automated door closed and took the money back. Since I needed the money that day, I withdrew another {$580.00} at XXXX, called Citibank customer support, filed for an investigation to make sure that my money was properly returned to my account, and then went about my day. On XX/XX/XXXX, I was issued a provisional credit and was assured multiple times by customer support agents that the matter would be swiftly resolved. I will note that this happened on a Sunday, the main floor of the bank was closed, so I couldn't go in and immediately talk to a bank employee. I am also not typically in that area during the week because I work in downtown XXXX. 

Last week, I received a letter in the mail stating the provisional credit of {$580.00} would be removed from my account on XX/XX/XXXX, with the investigation concluding that there was " no cash discrepancy ''. I asked for a second, new investigation to be opened and proceed to visit the XXXX Citibank branch on XX/XX/XXXX to speak with the staff and find out what the details of the investigation were or if it even took place. 

I sat down with the XXXX branch manager for a few minutes to discuss and he was not only deeply rude and unhelpful, but did not give me any details of the investigation and only told me that " considering the results of the investigation, there was nothing [ he ] could do '' and then remarked, " it's a tough situation, buddy. '' So, upon leaving that day, I had no details about whether or not the ATMs had been checked, if they checked the security footage from the branch location or the ATM itself or if the branch had even heard about the inquiry. It left me with no resolution and still, I was missing {$580.00}. 

When I asked if there was any way to appeal the decision of the case or any other way to pursue a result, he recommended I file a complaint to Citi customer service and then wrapped up our conversation, effectively rushing me out of the building. 

I went home, called Citi customer service, and filed an official complaint against the XXXX Citibank branch, asking for the branch to be held accountable in this situation and for the second investigation to continue. I also filed for an appeal on the original investigation, something that the branch manager didn't bother to inform me of and to be made aware of whether or not the CCTV footage from the branch location or the ATM itself was actually utilized in the investigation. At the end of this, I'm still missing {$580.00} of my own money.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I opened a Business Checking account in American Express. On the XXXX I made a transfer from American Express App of {$200.00} from my personal account in XXXX XXXX. Then on XX/XX/XXXX I made another transfer of {$200.00} from the same account. On XX/XX/XXXX and XXXX I paid my amex credit card with the {$400.00} I have in my amex account from the transfers. But on XX/XX/XXXX I received a email from American Express that I have a negative balance. So I check my account and it says that XXXX transfer was returned ( later the bank told me that was the one from XX/XX/XXXX ). But that money never return my personal account or neither the amex account. 

Since that day I call the both banks and my money is missing. American Express says it was rejected from XXXX XXXX because insufficient funds, but XXXX XXXX says it never was rejected and that I did have funds in those days. But nobody find a solution for my money and I still missing {$200.00}. 

The last time I make a conference with both banks but they keep saying the same and that it's not their problem but the other bank.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 

Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1000.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$1000.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$18000.00} Account Name : XXXX XXXX # XXXX XX/XX/XXXX - Balance : {$18000.00} Account Name : XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXXXXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX # XXXX XX/XX/XXXX - Balance : {$1900.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Here is the complaint : Harley Davidson Financial just called me during a pandemic to collect {$2.00} cents on a loan that has been paid off for months She said my past due amount was XXXX dollars and XXXX XXXX cents ... .. and would I like to take care of that today? Can you believe a finance company would do this? If you use this lender you will not get your title unless you hire a lawyer and drag them into court. It's about time that the Predatory Lender, Harley Davidson Financial used by XXXX XXXX XXXX are exposed for what they really are ... Can you imagine denying someone a title after 84 months of XXXX, because of {$3.00}. on an 84 month loan at 25 % that was paid in full! 

Then calling during a pandemic to torture the customer even more using harsh collection tactics with not an ounce of compromise. Could not reach anyone at customer support since XX/XX/XXXX. They charged me 11 late fees of {$35.00} on an outstanding balance of $ XXXX dollars and XXXX XXXX cents. The representative told be they deliberately give no power to the CSR 's that call to collect the trumped up charges. These people are bad people that hire unsuspecting workers to carry out their sadistic torture. My original review was written over a year ago ( XXXX ) on XXXX and this is the update of the torturous last year XXXX I have had with them. Nothing has been resolved, they just keep adding money because they know no matter what people say, you're going to use them, " because you just have to have that motorcycle '', they know this ... It's going to cost me {$1800.00} to hire a lawyer and have a judge rule in my favor. What a bad look for a company, during a pandemic, XXXX, when people are dying. Why don't I pay the shake down money? Why wouldn't a company agree with a customer after 84 months and paying off the loan? Instead they're sticking to the plan to criminally extort monies from borrowers that are not owed, with no ability to challenge the three dollars owed. They're untouchable. The most unfriendly, torturous people in business. Thank god they were stupid enough to send me a bank statement saying I owed three dollars and are going to charge it off, show more late 's on my credit? Threats, that is all I get from Harley Davidson Financial I'm  going to the Massachusetts Banking Commission and filing a complaint against these bad people 'Harley Davidson Financial '' ... ... During a pandemic? Really? implementing the three dollar shake down?
Product: Credit reporting or other personal consumer reports

THESE ARE NOT MINE, I DID NOT NOR BENEFIT FROM ANY OF THESE
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and I noticed that there are some fraud accounts listed on my report. I have previously reached out to the credit bureau to rectify this affair but they have been negligent in complying with my request. The disputed information is not related to any transaction made by me. 

The accounts and inquiries listed do not belong to me and are invalid. The disputed information does not relate to any transaction made by me. A copy of my drivers license, social security card, and FTC report. 

I am requesting for these accounts to be blocked and deleted from my credit report : XXXX. XXXX XXXX XXXX. XXXX  XXXX - XXXX XXXX. XXXX  XXXX - XXXX XXXX. XXXX  XXXX - XXXX XXXX. Account number- XXXX I am requesting for these inquiries be removed from my credit report : XXXX. XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX  XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX