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

As of XXXX and XXXX XXXX has nothing about the fraud charges on my account. 

From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York [ XXXX ] XXXX DOB XX/XX/XXXX LIC : XXXX NEW CARD NUMBER : XXXX XXXX XXXX To : American Express Serve Customer Care XXXX XXXX XXXX XXXX, GA XXXX Certified Mail : XXXX XXXX XXXX XXXX XXXX Dear Serve Customer Care I am writing to let you know that your Credit Card company has not done a thing in the fraud charges on my account with XXXX XXXX from XXXX XXXX XXXX  {$62.00} XXXX XXXX XXXX XXXX of {$49.00} XXXX XXXX XXXX XXXX {$120.00}, XXXX XXXX XXXX  for {$3.00}, XX/XX/XXXX XXXX  {$30.00} XXXX XXXX XXXX XXXX  {$27.00}. This is amazing!!! Never did any business with these Merchants! Please help. 
I have called over 20 phone calls to your company call XXXX XXXX ; they have completely refused to send any validation of any receipts nor any evidence of transactions that took place on his account! 
The customer service is a very big problem located in the XXXX XXXX  which is absolutely horrendous quite frankly disgusting where they do nothing in that country in XXXX XXXX! 
Then you state to the issue and they do absolutely nothing help you and then they disconnect your phone call! What a Joke! 
As of XXXX, the XXXX XXXX we have no evidence from American XXXX  card that these charges were fake by a unknow merchants and not legitimate, and they denied the investigation and kept the money installed from the customer. Please see attachments. 
I would like to have the people in charge of investigating the fraudulent charges immediately fired from your company. 
You can contact me anytime my mailing address or phone number, but this is quite frankly discussing how this whole thing is developed and there has been absolutely no help in this matter. In Final the inquired done by American XXXX  did nothing! About your charge ( s ) from your Bluebird Prepaid Debit Account in the total amount of {$1000.00}. Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Is a False Statement XXXX sign of laziness by this pathetic company that is in the XXXX XXXX and there has not been one American person that is looked this thing over in the United States of America it is quite frankly disgusting that these issues get sent overseas! 
Statement from a Unknow person in XXXX XXXX XXXX : Therefore, the transaction ( s ) is not eligible for credit to your Account. Depending upon the nature and scope of the fraud, the bank may decide to notify law enforcement. The XXXX XXXX did nothing! 
This is sign under the penalty of perjury of the fraud charges place on my account with no evince of my signature nor any consent!
Product: Credit reporting or other personal consumer reports

Despite my persistent efforts, I've been unable to resolve these issues. Enclosed is a copy of the letter I previously sent to the credit bureaus. Your firm 's response dismissed my request for verification of erroneous items on my report as " frivolous '' or " irrelevant. '' I want to emphasize the importance of this matter to me. Should you choose to ignore my original request, which was sent via certified mail, I will not hesitate to escalate the matter to the XXXX XXXX XXXX I urge you to conduct a thorough review of the following information and provide evidence supporting the alleged item, such as a contract, note, or any document bearing my signature. Failure to do so will compel me to demand the immediate removal of these items from my report.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : "
Product: Checking or savings account

On XX/XX/2020 a transaction for {$160.00} was taken from my checking account when the transaction was declined. I spoke with hsbc customer service and was told to fill out dispute form. I downloaded form, completed and returned. Waited 30 days and heard nothing. Called hsbc customer service and after 45 mins of rep trying to find out why my dispute was stopped/cancelled was told I had to fill out different dispute form because it was an ACH withdrawal/payment! Ok downloaded new form, completed and faxed back ( with verbal confirmation of receipt ). Waited 30 more days with no update. Spoke with customer service and told I would receive an email with update. 
On XX/XX/2020 I Received email saying, Upon checking the records we notice that, we have received the form but we are unable to process the dispute as you have not selected an option in the form. 

So I resubmitted the EXACT SAME dispute form because after rereading it I still couldnt figure out what I did wrong ( the hsbc customer rep couldnt figure out what I did wrong or what they where talking about not selecting an option )! THEN when I called to verify receipt of faxed dispute form I was told it was over 60 days and couldnt file a dispute anymore!!
Product: Credit card or prepaid card

I had a balance with Amex of {$2900.00}. I submitted a payment in the amount of {$500.00} and they ran it as {$5000.00}, which is over {$2000.00} more than I even owe them. When I contacted them through chat, XXXX XXXX was unwilling to provide me the information to ensure that they fix the system error that causes them to take money that is not owed to them. I have never before been allowed by any other credit card company to pay an amount that is MORE than what I owed. They kept my money for 48 hours and were unwilling to even give me back the {$10.00} I spent to transfer money immediately from my XXXX so that I would not be overdrafted from my checking account. This conversation took place between XXXX XXXX EDT on Monday, XX/XX/19.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I saw that Equifax reported on XX/XX/2021 regarding a collection from XXXX XXXX XXXX. This collection is a violation of my HIPPA rights. I called XXXX XXXX XXXX on XX/XX/2021 and I was told they acquired this debt from a medical facility.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX Account # XXXX in the amount of {$7900.00} 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: Money transfer, virtual currency, or money service

I called my bank chase and they said that they can't do nothing to get my money back or stop the transfer of my funds
Product: Credit card

On  XXXX / XXXX /  XXXX   between  XXXX    XXXX   XXXX   XXXX   XXXX  , I was told by a female   XXXX    sales associate who identified herself as  XXXX  that an item she located and provided to me at the   XXXX   store in  XXXX   XXXX  was on sale for 20 % off the discount price. After waiting in a short line and upon mentioning the 20 % discount to a young   XXXX   woman working at the register, the young  XXXX  woman told me that I would receive an additional 10 % off if I opened up a GAP credit card account and the total discount would be 30 % ( it actually was n't 30 % but rather 28 % since the price was first reduced by 10 % and then subsequently reduced by 20 % ). While I was distinctly told that I would receive an additional 10 % off discount by enrolling for a GAP card and the item was on sale for 20 % off, the receipt states that the item discount is 10 % and the discount for GAP card enrollment is 20 %. Given the verbally quoted discounts by both GAP employees do not match the actual discounts as reflected on the receipt, it appears that I was fraudulently induced to open a credit card I  may not  have otherwise opened had I been told what was correct or accurate ( I typically would not open a credit card for a 10 % or 20 % transaction discount for a small transaction ( i.e., less than {$19.00} ) ). As far as the actual price of the item is concerned, any mix-up or mistake does n't matter as the price would be the same if the item was first reduced by 20 % and then subsequently reduced by 10 %. That said, the verbal misrepresentations that induced me to open a credit card do matter as I most likely would not have opened the credit card account had I been told the truth.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. VYSTAR CREDIT UNION XXXX
Product: Credit reporting

The XXXX XXXX company is incorrectly reporting me up to XXXX ( 30/60/90 day delinquencies ) days past due while I am in a debt management program accepted by the company in XXXX, 2015. I was never even 30 days late, and have paid as agreed both prior to and after the debt management plan was put in place. The company refunded late charges, but will not fix credit reporting errors. XXXX XXXX sent the account to a third party to administer the debt management program and they refuse to correct the errors. They referred me to XXXX XXXX ' credit reporting division who stated I needed to talk with Customer Service. I contacted Customer Service who stated they can not speak with me and that I need to call the third party servicing the account. When I call them they refer me back to XXXX XXXX XXXX Customer Service. Nobody will take ownership of this request and keep sending me back and forth to the same XXXX areas and will not help me get their errors fixed.
Product: Credit reporting

I filed chapter XXXX bankruptcy which is suppose to include all of my debts and stop any collection activities. Equifax is showing XXXX medical accounts which should be included in my bankruptcy discharge and not be separately reported on my credit report. This is reporting the debt twice because it any collection activity should have been removed. XXXX agreed with me and removed all XXXX collections. I believe the deragortory remarks should be removed or they should assist me in working to pay off the debt and agree to remove the negative cillections from my report. The bankruptcy should be the only deragatory remark on my report.
Product: Credit reporting or other personal consumer reports

I check my Transunion credit report and seen 9 hard inquiries that was not mines. 

I called Transunion many times to get them removed but they keep insisting me to call the creditor. I place a fraud alert on my credit file until these inquires are removed.
Product: Debt collection

I XXXX XXXX XXXX entered into a consumer credit transaction with BARCLAYS BANK DELAWARE in 2015. The consumer credit transaction included a finance charge, pursuant to 15 usc 1605. A finance charge is the sum ( total ) of all charges in a credit transaction. I, am the consumer and I refuse to pay this alleged debt pursuant to 15 USC 1692c ( c ). BARCLAYS BANK DELAWARE has used abusive and profane language under 15 USC 1692d ( 2 ). I, the consumer XXXX XXXX XXXX is not obligated to pay any debt pursuant to 15 USC 1692a ( 5 ). BARCLAYS BANK DELAWARE are debt collectors pursuant to 15 USC 1692a ( 6 ), they have used instrumentality of interstate commerce and mails in the business principal purpose of which is the collection of debts. Pursuant to 15 USC 6802 BARCLAYS BANK DELAWARE never disclosed to me that I had the option to opt out of being reported in which is a violation of 15 USC 1681b. I deny this debt pursuant to 15 USC 1692g, BARCLAYS BANK DELAWARE never validated any debt. BARCLAYS BANK DELAWARE have contacted an attorney ( Law office of XXXX XXXX XXXX ) who is an uninterested third party in direct violation of 15 USC 1692e ( 3 ), this is false and misleading and misrepresentation or implication that any individual is an attorney or that any communication is from an attorney. I, consumer XXXX XXXX XXXX extended them credit pursuant to 15 USC 1602 ( g ). Pursuant to 15 USC 1602 ( p ) this is unauthorized use, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the item that I need deleted is going to be attached in a word document. Pursuant to FCRA Section 1681-2 ( b ) I have sent 2 letters with the initial sent over 60 days ago requesting verification, method of verification with provision of the file along with paperwork showing my signature with no response.
Product: Credit card or prepaid card

I got a Brand Source Credit card from Citi when I purchased appliances from The XXXX XXXX in XXXX OH in XX/XX/2018 to take advantage of the 0 % 6 months promotion. I set up the credit card balance of {$8000.00} to paid in full in monthly installments starting in XXXX on the XXXX of every month using XXXX XXXX online bill pay. Each payment was {$1300.00} except for the last payment on XX/XX/XXXX being {$1300.00}. When I set up Brand Source as a biller in the XXXXXXXX XXXX online bill pay I only had to pick the biller and enter the account number which made me assume that the payments are going electronically and should be processed the same day. I had a problem before when using bill pay when payments went out as paper checks where the checks don't get processed on time and late fees would be charged. In that case I would normally set the payment date a few days earlier to avoid that. In XXXX the payment was processed late on XX/XX/XXXX and a {$27.00} late fee was charged. In XXXX the payment was processed late as well on XXXX   XXXX and a late payment fee of {$38.00} was charged. All the other payments were processed on time. Because of these late fees, which total {$65.00}, the account was not settled on XX/XX/XXXX at the end of the 0 % promotion and {$870.00} deferred interest was added to the account. In the next 2 months a {$71.00} late fees and {$51.00} interest were charged to the account. Starting on XX/XX/XXXX calls from the number ( XXXX ) XXXX XXXX began coming to my cell phone but were flagged as spam calls by my phone provider. Starting XX/XX/XXXX automated calls from the number ( XXXX ) XXXX XXXX stated coming to my cell phone. It would leave an automated message stating Thank you for being a part of the Citibank family. We know you're busy, but it's it's a log in at the website for your retail credit card issued by Citibank to review your account status. It would be appreciated. If you would prefer to call us, please feel free to as it is always great to get a chance to speak with. One of our valued clients are toll free number is one XXXX. Once again, thanks for being a valued Citibank customers.. I was out of the country at the time and was not able to call back till XX/XX/XXXX. When I called the number I got Citibank customer service had no idea what this message pertained to. I thought it pertained to a different citi card so I asked the agent to have that checked and stated the the account was current! When the calls kept coming back I realized that it may be for a different citi account and came to realize that it was pertaining to the BrandSource account. I called them on XX/XX/XXXX as soon as I realized what happened by logging into the account online. After talking to them for 33 min and 58 sec because the agent had technicall issues with the system and after putting me on hold multiple times they said that they can not help me at this point and that to call a different department later because their computer system is not operating properly. I called the other department and was told that they can only reverse the last late fees and interest charged.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and TransUnion have been reporting these fraudulent accounts under my name XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX SEC ADMIN OFFICE O is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX I didnt benefit, apply for, and authorize these accounts
Product: Debt collection

I do not have a signed contract with LVNV FUNDING LLC. I have never done business with this company. I am not liable for this collection from this debt with XXXX XXXX. I am not responsible for this debt with LVNV FUNDING LLC.
Product: Credit card or prepaid card

Company is reporting incorrect date of first delinquency preventing old charge off account from being deleted from credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

After 40 days of me constantly disputing trying to get in contact or a response from the creditors, Bureaus, & third parties I ask that these inaccurate accounts be removed off my credit permanently due to the fact you guys keep going against the law disregarding me. I have rights too. 

Remove these inaccuracies off my file immediately! 

XXXX XXXX XXXX
Product: Credit card

It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.
Product: Credit card or prepaid card

When I opened a Chase checking account, in person at a location in XXXX XXXX Michigan in early XXXX of XXXX, the representative noticed my SS #, and other personal information was already in their database from a fraudulent credit card opened in my name in XXXX. I verbalized to the representative that a Chase credit card had been opened but i closed it immediately with Chase as it was an act of fraud in XXXX. I continued that day with my banking and received my debit card in the mail for my account ending in XXXX. In XXXX of XXXX i received a brand new credit card from Chase that i had not asked for or agreed to. I immediately called and reported this card to be fraud to Chase and destroyed the card. The last four of  this credit card was XXXX. 10 days later i received a packet from Chase wanted me to complete a fraud claim including a police report. I do not adhere to their request as i believe this to be an internal fraud issue within Chase and XXXX should find the origin of the application and cease this practice. nonetheless i am requesting help to day as Chase is requiring me to compete their claim form ( XXXX ) which include a state or federal report filing the credit card fraud claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

XXXX XXXX XXXX
Product: Debt collection

Penn Credit XXXX XXXX XXXX XXXX XXXX, Pa. XXXX Ph. # XXXX, has been calling me about a medical debt they say I owe. On XXXX/XXXX/15 I sent them a debt validation letter requesting proof of debt, I also requested in the certified letter that they no longer make phone calls to my home, work, cell, or any third party. Penn Credit received and signed for the certified letter on XX/XX/2015.Now my XXXX year old mother is receiving phone calls from them looking for me. Penn Credit has all my information and their is no need to call anyone else. She received these calls beginning XXXX/XXXX/15, over 40 days after they received my letter. The certified letter number is XXXX XXXX XXXX XXXX XXXX. When I called Penn Credit I was hung up on by one of their associates after I was told it was MY JOB to call the original creditor to dispute the charge NOT THEIRS.
Product: Student loan

On the studentaid.gov site, when I log in there is an activity section. It shows shows one " Open '' item. This item is for a Direct Consolidation Loan Application that was submitted on XX/XX/year>. It was given to Nelnet to be processed. As of this writing, the status of this application is currently Application Review ( Your loan servicer has received your application. Theyll start reviewing it, including any documentation of income provided, and will notify you once their review is completed. ) Problem is that the loan was consolidated in late 2023 and has since been consolidated again. It is currently being serviced by XXXX. So it was funded in 2023, then paid off due to second consolidation. My account on Nelnet shows this as such and that the loan had been paid in full and I have a {$0.00} balance. However since it is still showing XXXX an " Open '' item on studentloan.gov, I am unable to select an IDR ( Income Driven Repayment Plan ) with an open item.

I placed reached out and connected with both Nelnet and Studnetaid.gov. Nelnet said there was nothing they could do and even after escalating to a supervisor, they just said I needed to work it out with studentaid.gov and provided me their contact info. 

When I reached out to srudientaid.gov, they told me the opposite, that I had to deal with Nelnet and they had no control over this, despite the information they have regarding this is incorrect. I need to get this resolved as I can not afford the payments without being enrolled in a XXXX plan. 

I do not know what else to do, I am hoping you can help me.