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

Dear Consumer Financial Protection Bureau, CFPB : Goldman Sachs ( APPLECARD ) is allowing merchants ( with  DEFECTIVE SERVICES, DEFECTIVE PRODUCTS, AND MISLEADING ADVERTISEMENT ) defraud cardholders. On XX/XX/XXXX ( SATURDAY ),  I made a payment to hold a quote from XXXX XXXX XXXX XXXX XXXX XXXX  in the amount of {$990.00}. I have since CANCELLED, ( First Cancellation of Tentative policy XXXX, effective date XX/XX/XXXX, XX/XX/XXXX-tuesday, was XX/XX/XXXX, XXXXsaturday and I received a refund of {$320.00} to different form of payment for a prior payment of {$320.00} made on XXXX XXXX-tuesday ) occurred on XX/XX/XXXX, I re-cancelled the tentative policy due to suspicious unauthorized activity on MY XX/XX/XXXX. XXXX made a partial refund in the amount of {$670.00} of {$990.00}, and they are refusing to issue the remaining {$320.00}. On XX/XX/XXXX ( MONDAY ), XXXX XXXX XXXX XXXX fraudulently charged me {$180.00} ( begging for money upfront before any services ) for routineXX/XX/XXXX, denied me access to XX/XX/XXXX, and unnecessarily exposed me to XX/XX/XXXX ( not sure my last XX/XX/XXXX XX/XX/XXXX ), and then rendered DEFECTIVE SERVICES. I have requested a REFUND FOR {$180.00}. On XX/XX/XXXX ( WEDNESDAY ), XXXX XXXX XXXX XXXX defrauded me out of {$140.00} ( {$99.00}, {$50.00} ) for an 8-week XXXX XXXX XXXX, they cajoled me to their office ( begging for money upfront ) and then denied me the XXXX XXXX, refused me the 8 week XXXX XX/XX/XXXX, tried to force A HIGH-FAT PIG DIET ON ME, and ill-advised I exercise no more than 30 minute daily for 4 days. On XX/XX/XXXX ( SATURDAY ), XX/XX/XXXX allowed AN UNAUTHORIZED PAYMENT IN THE AMOUNT OF {$2100.00} WITHOUT MY PERMISSION OR KNOWLEDGE. The attempted theft resulted in them trying to steal {$2100.00} from my other bank account. The payment transaction REJECTED and I was assessed a {$37.00} return XXXX FEE. On XXXX XXXX XXXX stole {$15.00} from my VISA PREPAID DEBIT CARD FOR A TRANSACTIONS I DID NOT GRANT THEM PERMISSION TO CHARGE TO THAT FORM OFPAYMENT. XXXX XXXX refuses to refund a purchase made inadvertently resulting from an XXXX technical difficulty issue, refund amounts to {$1.00}. XXXX XXXX OWES ME {$3200.00} for a defective XX/XX/XXXXproduct DROP OFF, they have refused to issue the REFUND DESPITE BEING WITHIN POLICY AND TERMS OF APPLE REFUND/REPLACEMENT POLICY THROUG XXXX. All transactions eligible for CHARGEBACK have been  requested, and XXXX XXXX refuses to adhere to Regulation Z, Truth in lending, and the Fair Credit Billing Act of 1975.  Goldman Sachs is acting as if THE FEDERAL GOVERNMENT CAN'T TOUCH OR REGULATE THEIR FRAUDULENT ACTIVITY, AND I REQUIRE ASSISTANCE FROM THE FEDERAL GOVERNMENT BECAUSE THE PROVISIONAL CREDITS ISSUED ONTO MY XXXX   ARE NOT BEING MADE AVAILABLE FUNDS FOR MY USAGE WHILE THEY CONDUCT THEIR REDUNDANT XXXX INVESTIGATIONS. MOST IMPORTANT THEY HAVE TO START THE CHARGEBACKS. XXXX OWES ME A TOTAL OF $ {$3900.00}. Sincerely and Respectfully, XXXX XXXX XXXX, Phone : XXXX, Email : XXXX.
Product: Payday loan

The company, Alliant Capital Management LLC, harasses me by telephoning my cell and work numbers and my relatives continuously. The messages left on my phone has been " this is a courtesy call, documents are being filed today in court against you ''. I did not return their unwarranted calls after viewing the company 's reputation on the Internet. If was only after my relatives complained about the calls that I called them back. I insisted that the company needs to be send me a letter concerning any alleged debt to my home address via US Postmaster. Instead, I received an email stating that I had agreed to a payment plan and that they had my bank account information. The email mentioned the original creditor of " XXXX '' which I found out was a payday loan company which is illegal in my state of residence of Georgia. I am sending a certified letter today prohibiting further contact from this company by phone calls. Also, I clarified that I dispute the validity of the alleged debt. In addition, I notified my banking institution of possible fraudulent behavior.
Product: Credit card or prepaid card

I made a {$5000.00} credit card payment directly from my Synovus bank account. The payment was not applied, nor is the money in my account. The {$5000.00} just disappeared. I informed the bank and they stated that they were having an issue with the system and assured me that the problem would be fixed. Well, it has been 3 days and the money is still missing. I asked them to reverse the transaction, and they stated that they could not do it. So now I am out of {$5000.00} with no sign of recovering it.
Product: Credit card

There is a card reporting on my credit report that I did not open. I wasnt aware of it because I was homeless at the time it was opened. Once I realized it, I thought I was supposed to be the one to repay it back. I wasnt aware that I could dispute because Im still new to how all of this works. Yet Capital One isnt removing it from any of my credit reports.
Product: Money transfer, virtual currency, or money service

Since opening my crypto.com account and putting in a total of {$7300.00} usd i was to have a 30 day grace period free of fees i am still in this fee free period. 
i noticed every time i sold a currency the amount i keep being short was about {$350.00} to {$400.00} dollars so i started taking screen shots of my account based on current trading price and enter a sale and at this point you can see what you will receive i take another screen shot whithin seconds and see the amount i will get. 
Everytime the short fall of funds are consistently short recent examples are all on the same cryto- {$400.00}, - {$390.00}, - {$390.00}, - {$380.00}, - {$400.00} These examples cover XXXX and XXXX and i will continue these tests. I have traded stocks and options for 30 years i understand volitity and effects on bull to sell orders but when the trend has been upwards its still a loss, The crypto i was referencing was SPELL crypto which was averaging {$75.00} million dollars over prior 24 hr period thats why i did several test of current balance to balance if i completed a sale which shows on sale screen. 
I feel there should be a limit sale offered to control your sell point to prevent this man. 
And there should be a human in their ccustomer service dept to talk with instead of a short list of Which of these are your problem. 
Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. In the results of your first re-investigation, you stated in writing that you verified that these items are being reported correctly. 

Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 

XXXX XXXX XXXX, XXXX XXXX, XXXX, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. 

What this means is that your company must be willing and able to produce a document in your files that proves the account ( s ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. 

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a Reinvestigation that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). 

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately.
Product: Student loan

Attached is additional evidence showing how SallieMae and Navient systematically and illegally failed me at every stage of repayment of this loan. In XX/XX/XXXX, SallieMae refused to process a deferment, eventhough MUL was title IV eligible. On XX/XX/XXXX, Navient contradicted SallieMae. See attachment. In XX/XX/XXXX, I had to pay SallieMae {$50.00} to process a forbearance because my deferment request was rejected by SallieMae. MUL was Title IV eligible. No wonder how this loan increased from {$40000.00} to nearly {$80000.00} and interest rate is at the maximum. Now my CFPB complaint must have upset Navient and SallieMae. On XX/XX/XXXX, I paid the forbearance fee. Navient still did not approve my request to delay the repayments. 

Navient responded on XX/XX/XXXX, as followed : " Thank you for reaching out to the CFPB with your concerns regarding your student loan account. Navient currently services your Private XXXX XXXX Student Loan. We would like to note that as a Private Student Loan company, FSA does not have jurisdiction over the processing of an In-School Deferment on your loan. Your school, The XXXXXXXX XXXX XXXX XXXXXXXX, became Title IV ineligible on XX/XX/XXXX. A requirement for the processing of the In-School Deferment on private loans is that the school the student is attending must maintain Title IV eligibility. ''
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. As a victim of a data breach, I am invoking my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which require the removal of fraudulent or unauthorized items from a consumer 's credit file. 
Affected Accounts : XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$00.00} XXXX  XXXX - XXXX - XX/XX/XXXX - {$00.00} Inquiries : XXXX  - XXXX - XX/XX/XXXX - {$00.00}
Product: Student loan

After graduation, I contacted the discover student loan department to get on a payment plan and was manipulated to believe that as long as a made the minimum payment my principal loan amount and interest rate would not fluctuate and I would be safe from negative amortization. This apparently was not the case. My original XXXX student loan with XXXX % interest rate, resulted in my paying a total {$14000.00}. The total break down of that amount is as follows. Final principal interest paid is {$9100.00} and total interest paid is {$5600.00}. In return, trying to keep up with the accruing interest and principal while I was making their " minimum payment '' caused me to become financially unable to get on a payment plan with federal student loans. the result was the treasury department garnishing my 2018 tax return, in which, they took money from my child dependents which is against the law. I understand paying interest but the end result when I was making minimum payments allowed Discover student loans, over the course of 3 years to take advantage of my minimum payment situation. They did not look out for the borrower and then end result was an interest rate of XXXX %. In my opinion, this was malicious. I was forced to pay off the entire loan while my young family had to suffer from lack of money due to what had occurred. Even when I called back discover student loans on the phone the representative was shocked when he looked at my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX orgingal creditor XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX orgingal creditor XXXX XXXX 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: Credit reporting or other personal consumer reports

Experian an XXXX are reporting inaccurate information for an account with XXXX XXXX XXXX XXXX. This account is reporting a late payment which the late payment was credited to my account and should have been removed from my report as I was told by XXXX XXXX they are not supplying this info and that it would be corrected on XX/XX/year> but it was not. I need this information updated asap to reflect accurate info specifically late payment removed and account reporting paid as agreed.
Product: Debt collection

Since XXXX I have been trying to get this account out of my credit report. Back in XXXX due to financial hardship I need to move with my ex-mother-in-law XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX TX. 

I have a XXXX  back then. Per their apartment manager at XXXX XXXX I needed to be added to the contract as a dependent not as rental independent since I didn't have a job at that time. 

Unfortunately, XXXX XXXX did not pay rent and we were evicted. Since then, I've been having hard time reaching out XXXX XXXX XXXX XXXX  and National Credit Systems who reported this in my credit. They are terrible! No one can help me. I have disputed this a million of times via XXXX and XXXX and nothing seems to change. 

This has been very frustrating, and I hope this company get hold accountable.
Product: Money transfer, virtual currency, or money service

I would like to formally address a situation regarding a financial transaction in which I believe I was taken advantage of in the amount of {$440.00}. The individual involved assured me that they would reimburse me for this sum, stating that the funds were necessary to cover their bills. Unfortunately, despite their assurances, I have not received the promised repayment. 

In my attempts to resolve this matter, I reached out to Block, Inc. for assistance. However, I encountered significant challenges in obtaining clarity and support. The responses I received were unsatisfactory, and I was informed that the funds could not be returned to me due to the nature of the transaction being classified as an instant transfer. This explanation leaves me feeling frustrated and without recourse, as it seems to dismiss the responsibility of the party who assured me of repayment.
Product: Credit reporting or other personal consumer reports

I am disputing an account that appears on my credit report under the name of Alphera Financial Services, which I believe was opened fraudulently without my authorization. Here are the relevant details : Account Opened : XX/XX/XXXX Account Balance : {$4700.00} High Credit : {$43000.00} Status : Derogatory, transferred to collections Date Last Active : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX I became aware of this account when reviewing my credit report on XX/XX/XXXX. I have no knowledge of this auto loan or any interactions with Alphera Financial Services. The account includes comments stating it has been transferred to recovery and assigned to an attorney, collection agency, or credit grantors internal collection department. 

Actions I Have Taken XXXX. Notified Credit Bureaus : I filed disputes with XXXX, XXXX, and XXXX on XX/XX/XXXX, requesting verification of this account and its removal from my credit file, as it does not belong to me. 
XXXX. Filed Government Complaints : I filed complaints with the Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) on XX/XX/XXXX, describing the fraudulent nature of this account and its impact on my credit. Case numbers are available upon request. 
XXXX. Requested Information from Alphera Financial Services : On XX/XX/XXXX, I formally requested verification and documentation of the account from Alphera Financial Services. 

Impact This fraudulent account has negatively affected my credit score and financial standing. I have no record of signing or agreeing to this loan, and I have taken all steps within my ability to dispute this fraudulent activity. I respectfully request Alphera Financial Services to promptly investigate this matter and provide any necessary documentation to resolve this issue. 

Thank you for your attention to this matter.
Product: Credit card or prepaid card

I am a victim of fraud. A XXXX XXXX XXXX Visa credit card serviced by Synchrony Bank has been opened ( and reissued twice even after my report of fraud ) under by name and address. I have called to inform them and they have more than once continued to allow the person perpetrating the fraud to change my address and also fill out and send in the affidavit of fraud saying to Synchrony that there was no fraud ( when there is ). The company seems to have no interest in resolving the issue as I have reported it several times. This week I received a letter indicating that my claim of fraud has been denied because someone has accepted the charges. That person was not me, and I assume it must be the fraudster. This issue has been going on for several months and we are not anywhere near a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with XXXX XXXX and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX ( Original Creditor : XXXX XXXX ) - XXXX - {$110.00} - XX/XX/XXXX XXXX XXXXXXXX - XXXX - {$10000.00} - XX/XX/XXXX XXXXXXXX XXXX  - XXXX - {$1000.00} - XX/XX/XXXX XXXX - XXXX {$10000.00} XX/XX/XXXX XXXX XXXX - XXXX - {$26000.00} - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed disputes with XXXX for my Exeter Vehicle loan account with the last XXXX of the account # XXXX. I paid this account in full on XX/XX/2023. On XX/XX/XXXX XXXX reported this account past due with a balance. 

Also the date of first delinquency is incorrect. 

XXXX is blatantly reporting erroneous information.
Product: Checking or savings account

XX/XX/22 {$440.00} XX/XX/22 {$290.00} Wells FargoXXXX Disputed transaction as they were atm withdrawals made outside the country. Wells Fargo declined my claims without proper reasoning.
Product: Debt collection

I lived in XXXX XXXX apartments. I was served papers that I owed them {$920.00}. They took me to civil court and the judge dismissed their case as I showed that the apartment was vacant and I paid all amounts due. This can be found in XXXX County Court in XXXX, In XXXX under court case number XXXX. They have since turned over this amount that was paid to a collection agency that has hurt my credit and calls me continuously.
Product: Credit reporting or other personal consumer reports

In XXXX of 2024 I requested that the company LexisNexis provide me with an explanation of how they received a reporting of a bankruptcy that is listed on my consumer report. LexisNexis stated that they received this information from the bankruptcy court. I contacted the bankruptcy court who stated that it is not their practice to report this information to Lexis Nexss. Then LexisNexis stated that they received this bankruptcy information from XXXX. I contact XXXX and they denied giving this information to LexisNexis. I informed LexisNexis that by law this unverifiable information has to be deleted from my consumer report. They have yet to respond to me and delete the bankruptcy.
Product: Credit card

This company closed my account one day after reporting them to Consumer Financial Protection Bureau.
Product: Debt collection

Transworld has posted a collection account to all 3 of the credit bureaus for XXXX. The original first date of delinquency is even older then the XX/XX/2017 that they say. This debt was previously posted on my credit reports years ago and went past the statute of limitations on it. I had all 3 bureaus investigate this matter and XXXX saw thru and removed it, XXXX and XXXX did not, although I'm having it reinvestigated thru XXXX. It would appear to me that Transworld pulled some finagaling in regards to this and posting it to my reports as if it is some new debt, which it is not. As I understand these type of tactics are unfair and illegal. I have never admitted to debt, arranged any payment plan or recieved any correspondence from/with Transworld.I would like this matter to be put to rest and stop the harassment of reposting this