23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I am disputing the charge-off reported on my account [ insert account information ] because it violates the FCRA regulations. Specifically : SANTANDER CONSUMER USA XXXX - 15 U.S.C. 1681c ( a ) ( 1 ) prohibits credit reports from containing " records of income, or information relating to the consumer 's financial obligations, including credit scores, credit reports, or other information derived from credit reports ''.

- 15 U.S.C. 1681c ( a ) ( 3 ) prohibits credit reporting agencies from including " information relating to the consumer 's financial obligations, including credit scores, credit reports, or other information derived from credit reports '' if the information is " not directly related to the consumer 's creditworthiness ''.

- 15 U.S.C. 1681a ( f ) defines " creditworthiness '' as " the ability and willingness of a consumer to pay obligations in accordance with their terms '', which does not include income information like charge-offs. 

- XXXX XXXXXXXX XXXX XXXX  ) prohibits credit reporting agencies from including " information that is not directly related to the consumer 's creditworthiness, including... income information ''. 

- 15 U.S.C. 1681e ( b ) requires credit reporting agencies to " follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates ''.

- 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) states that credit reporting agencies must " delete the item of information, or modify the item to make it accurate '' if it's found to be incomplete or inaccurate. 

- XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) requires credit reporting agencies to " verify the completeness and accuracy of information '' in consumer credit reports. 

- XXXX XXXX XXXX XXXX ) states that credit reporting agencies must " have in place reasonable procedures for responding to disputes from consumers ''. 

The charge-off reported on my account is inaccurate and violates these FCRA regulations XXXX I request that you : - Delete the charge-off from my credit report immediately - Confirm in writing that the charge-off has been deleted- Provide a corrected credit report that reflects the deletion Please investigate this matter and take the necessary steps to correct my credit report. If I do not receive a response within 30 days, I will be forced to take further action to protect my rights under the FCRA. 

This has cause me financial, and emotional Loss! I have been up all night every day stressing about this! 
Sincerely, XXXX XXXX XXXX
Product: Credit card

On XXXX/XXXX/2017 I returned XXXX items to the Walmart store at XXXX XXXX XXXX XXXX XXXX. The refunds were for {$1.00} ( on my Visa card ) and XXXX cents ( on Walmart mastercard ). The customer service clerk said the amounts would be returned to my Walmart mastercard and my Visa card. I have received my mastercard statement for the billing period ending XXXX/XXXX/2017 and there is no refund posted for XXXX cents. I called Walmart mastercard and the csr XXXX verified that is true. " XXXX '' said the refund would be posted on my NEXT statement. Why should it take more than one month for me to get this refund for merchandise I returned on XXXX/XXXX/17??? 
I also called my XXXX XXXX customer service today and " XXXX '' said no refund for {$1.00} has been posted to my account yet. The csr suggested I contact the merchant ( Walmart ) I called the toll free number for Walmart XXXX and the ONLY option given was a store locator. Since I 've tried before to call the so-called customer service dept of this walmart store -- in several fruitless attempts to find out when my " same day '' ( NOT ) toaster would be available for pickup & NEVER got to speak to a human being willing & /or able to answer my question -- I decided to not call the customer disservice department of the store. And of course walmart mastercard ca n't answer questions about refunds credited to another bank 's card. ( I asked ) So again I ask : why is it taking so long for a {$1.00} refund to post to my credit cards. Walmart got its merchandise back. Where 's my money??? Why does n't Walmart just issue cash refunds rather than making customers wait so long for refunds?
Product: Money transfer, virtual currency, or money service

charges for checks that I didnt put there and charging me return checks
Product: Money transfer, virtual currency, or money service

Between the dates of XX/XX/XXXX and XX/XX/XXXX I authorized XXXX transactions for digital currency as I listed below through Coinbase ( www.coinbase.com ), using my debit card, which I have since cancelled. I am attaching the email receipts for purchased coin on the XXXX transactions I authorized. 

There are XXXX total transactions I approved, all with different amounts then what Coinbase is double-charging me ( see email confirmations in attachment for authorized amounts ). 

The dates are as follows for approved transactions : XX/XX/XXXX : {$120.00} XX/XX/XXXX : {$89.00} XX/XX/XXXX : {$84.00} XX/XX/XXXX : {$82.00} XX/XX/XXXX : {$76.00} XX/XX/XXXX : {$73.00} XX/XX/XXXX : {$64.00} -- -- -- -- -- -- total : {$590.00} authorized.

Instead of being charged the above, I have been double charged as follows on my bank account for slightly different amounts ( including screenshots of my bank account on for documentation ) : 2/5 : {$84.00} 2/5 : {$90.00} XX/XX/XXXX : {$130.00} XX/XX/XXXX : {$74.00} XX/XX/XXXX : {$77.00} XX/XX/XXXX : {$82.00} XX/XX/XXXX : {$64.00} XX/XX/XXXX : {$64.00} XX/XX/XXXX : {$74.00} XX/XX/XXXX : {$77.00} XX/XX/XXXX : {$82.00} XX/XX/XXXX : {$84.00} XX/XX/XXXX : {$90.00} XX/XX/XXXX : {$130.00} -- -- -- -- -- -- -- -- -- -- -- - {$1200.00} unauthorized. 

I am owed the difference on this and have been unable to get any response from the responsible party, coinbase. I have already completed a fraudulent case with my bank, XXXX, case # XXXX. 

By my calculations, {$1200.00} ( unauthorized transactions ) - {$590.00} ( authorized transactions ) = {$610.00} due back to me. 

My coinbase account name is : XXXX and my case # with coinbase is XXXX. I have waited almost two weeks to get these charges resolved with them with no movement or response. Please assist if you can as this is a lot of money to me. Thanks in advance!
Product: Checking or savings account

I was targeted for an offer to open a Citi Checking account and gain XXXX XXXX  XXXX if I met the requirements. The requirements were to spend {$1000.00} with my debit card and make two direct deposits totaling {$1000.00} or more. The terms clearly say the miles will post to my account within 30 days of completed requirements. 

I opened the account on XX/XX/XXXX, completed all requirements on XX/XX/XXXX and have reached out to Citi twice. They continue to give me the run around and no straight answers. Thanks for looking into this!
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY 3rd ATTEMPT : Although this is my 2nd Complaint with CFPD, Experian still refuses to adhere to FCRA rules and regulations. According to 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), the credit bureau must complete their investigation no later than ( 30 ) days or the item ( s ) in question must be DELETED from the consumer 's credit report. Unfortunately, it took Experian ( 49 ) or more days to complete my investigation, well exceeding the allotted time frame pursuant to FCRA 15 U.S. Code 1681i ( a ) ( 1 ) ( A ). Also, Experian refused to provide me with a Method Of Verification that they used to determined the validity and accuracy of the item ( s ) that is required by law, pursuant to 611. Procedure in case of disputed accuracy ( 15 U.S.C. 1681i ). Therefore, Experian are in violation for both their willful and negligent non-compliance according to 616. Civil liability for willful noncompliance ( 15 U.S.C. 1681n ) and 616. Civil liability for negligent noncompliance ( 15 U.S.C. 1681o ). These are some but not all of the violation that were committed by Experian ; yet, the remaining violations are listed in my attached documents.
Product: Checking or savings account

On XX/XX/2022 I received alerts from XXXX via my Citibank account that {$4900.00} was sent to XXXX XXXX. I did not authorize this XXXX and I do not know the person. Whom ever hacked my account continued to send {$500.00}, {$490.00}, {$490.00}, {$490.00}, {$490.00}, {$490.00}, and {$490.00} to various people. The hackers also opened 2 unauthorized checking accounts and put {$5200.00} from my savings into these fraudulent checking accounts, {$2600.00} in each account. I contacted Citibank and after several hours, I finally got ahold of someone and it took several weeks to get someone to help me. Citibank credited some of the initial XXXX balance and continue to ignore the other XXXX. XXXX is not a service I use often and I would never send so much money in one day in a 2-hour window. I froze the accounts, changed my passwords, and contacted the credit companies. I changed my email password because I started receiving thousands of spam from websites I do not use. I have filed a dispute with Citibank twice and my claim continues to be denied. I have had almost {$9000.00} taken from my checking and savings, there are two checking accounts separate from my primary account that have been without my authorization and Citibank continues to ignore my pleas. I have signed up for XXXX and frozen my credit with all three of the credit Bureau '. I have been a customer with Citibank for over 15 years and this is the worst treatment I have received by any financial corporation. I am a XXXX, with a family and I can not accept that they are just allowed to do this. XXXX and Citibank need to be accountable.
Product: Debt collection

1. Date opened XX/XX/XXXX was notr loan for XXXX i wasnt with spouse as of XX/XX/XXXX so i never signed ok for a note loan on a vehicle i wasnt even on for the amount of XXXX, we stopped living together as of XX/XX/XXXX No actions taking by no one due to i am just now getting collection calls n i looked at credit report and seen about of stuff i didnt authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX, {$340.00}. this is the action taken. I MOVED TO MARYLAND IN XXXX AND HAVE NOT BEEN BACK TO ALABAMA. This just pop up on my credit report. I do know that XXXX XXXX who lives at XXXX XXXX XXXX, XXXX Alabama have done Identity theft in my name using information she broke in my home in XXXX and stole my personal papers. I had to do a police report in XXXX for XXXX XXXX XXXX for cable and TV IDENTITY THEFT. This collection on my credit report just POP UP from space and if not corrected will remand on my report for 7 years due to no fault of my own I have been using XXXX FOR XXXX, XXXX FOR WATER, AND WASHINGTON GAS every since I moved to Maryland in XXXX and i have been provided service from theses companies without no interruption. I paid and cancelled all services in XXXX and have not been back since.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXXXXXX XXXX XXXXXXXX Inquiries : XXXXCB XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my THIRD WRITTEN DISPUTE to Experian to fix incorrect and inaccurate information on my XXXX XXXX XXXX XXXX account. The incorrect information shows payments : 30 Days Past Due on XXXX XXXX, 60 Days Past Due on XX/XX/2021 and 90 Days Past Due on XX/XX/2021. I demand that these delinquent payments immediately be fixed to CURRENT. The refusal to fix these late payments to CURRENT is a violation of Federal Law : The Fair Credit Reporting Act, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( F ) : Responsibilities of furnishers of information to consumer reporting agencies during the COVID-19 pandemic. Due to the COVID-19 pandemic, on XXXX XXXX, First Investors Servicing XXXX XXXX an accommodation to my original loan contract with respect to lower 6 payments XXXX XXXX  through XX/XX/2021. I brought all credit obligations and the account current from XX/XX/2021 through today. In summary, 15 U.S. Code 1681s2 ( a ) ( 1 ) ( F ) states : Due to the COVID-19 Pandemic, If a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments pursuant to the accommodation, the furnisher shall report the credit obligation or account as CURRENT ; or If the credit obligation or account was delinquent before the accommodation, and if the consumer brings the credit obligation or account current during the period described, report the credit obligation or account as CURRENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Balance : {$1500.00} - This account is not mine unless you provide me with the corresponding documents according to FCRA that it is mine. Please delete for reporting inconsistent and inaccurate information. 

XX/XX/XXXX XXXX Balance : {$0.00} - This account is showing several violations. You are reporting a Monthly payment on this closed account. These are violation please delete this account. 

XX/XX/XXXX XXXX XXXX Balance : {$2200.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather delete this erroneous account. 

XX/XX/XXXX XXXX Balance : {$4300.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX Balance : {$0.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XX/XX/XXXX ( Original Creditor : 01 XX/XX/XXXX ) XXXX Balance : {$1600.00} - This account Belongs to someone else. This is not my account. Provide me specific data to prove that it belongs to me or remove it accordingly.
Product: Checking or savings account

Open a online checking account with Wells Fargo after seeing advertisement for a {$400.00} rebate on XX/XX/2019. Called customer service on around XX/XX/19 to validate the claims made by online advertisement and was instructed that as long as the requirements of making {$3000.00} in direct deposits over the next 120 days as well as well as maintaining an available balance over the time frame the promotion will be awarded the promotion. Contacted customer service again XX/XX/2019 and was told that I met all the requirements of the promotions and should be automatically deposited in my account at the end of the month. Called customer service again on XX/XX/2019 to check the status and was told I that the promotion could not be awarded because the social security for the account was never validated. So after 7 months and me constantly keeping in contact and having multiple transactions on my checking account Im told promotion cant be awarded. It seems as outright deceptive practices because they have no intention on standing by their advertisement.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX account is showing delinquent payments on my federal student loans for over 120 days and I've never missed a payment. I disputed this through XXXX and my dispute did not correct this. When I attempted to redispute, I got a message saying I can't dispute something that has been disputed before. When I talked to my fed loan providers ( Nel Net ), they said to dispute through XXXX. This is severely hurting my credit score and I feel like I'll never be able to get rid of this in a timely manner, please help!
Product: Checking or savings account

My bank account has been frozen since XXXX  with no notification. I called during business hours on Friday XXXX XXXX and was told that there was a system issue and my account was not affected by any fraud. The issue should have been resolved within XXXX hours. This is now day 4 of not being able to access my funds. I have late fees on mortgage payments that have incurred, as well as other late fees with different companies. Normally, if there is a fraud alert, the issue is resolved within in app services. I have spent countless hours on hold and have been given a completely different response to the issue every time. Management should be held accountable for their lack of assistance and training to their customer service representatives.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed false reporting and inquiries I have not inquired about, on my credit report. I have mailed a request to XXXX and XXXXXXXX XXXX XXXX XXXX to have the inquiry removed from my XXXX  account on. Have not received a response. I am requesting these inquiries be removed. Reported on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
Product: Checking or savings account

I would like all overdraft fees reimbursed for the past 24 months.
Product: Checking or savings account

Had a credit card with Discover for 35-40 years, closed account, referred to as Ole reliable, no real issues to speak of. Shortly after closing this credit card decided to open another credit card, this time it was called DiscoverIT. Process worked well, statements arriving on time, ( paper copies directly from the bank, also statements on line ). Par usual, then of course fraud, upset to my normal credit card usage. Then statements not arriving as before, in, essence, normal processes disrupted. Of course, having to deal with the Fraud department. When this happens, it is very time consuming for the customer ( who, by the way, is not being paid for the research involved, as are the Fraud agents ). It could take weeks until credits are issued or, of course, having to close the credit cards and then issue another. There seems to be a pattern with these banks, preplanned by the banks, deliberate, especially when dealing with senior citizens, to mess with customers accounts. Discover and I are no longer and I would advise anyone, where I reside not to have any dealings with this bank. I would not trust any of them to manage MY money or have any control. All these huge banks have the same AGENDA, to XXXX the customers, have them go into debt, take out loans so the bank profits, pretty much functioning in a very unprofessional, sleazy, deceptive platform. When calling the call centers, representatives extremely difficult to do business with, extremely amateurish, should be fired or retrained, finding many do not even know what they are talking about, or children answering the phone, saying I can help you. WHAT!! It is so BLATANT how these banks try to mess with customers accounts. The Federal Bureaus refer to this behavior as DECEPTIVE practices and Discover surely falls into that category, pretty XXXX and contrived. My association with this bank is OVER, as was with XXXX, XXXX, XXXX XXXX, currently involved in a {$140.00} XXXX class action case, I can see Discover ending up in the same predicament. 

Their Executive Advocacy representatives are the biggest FARCE I have ever dealt with in my 60+ years of banking. You, the customer, is advised to deal directly with them bypassing call centers, and when you try to reach them, of course, unreachable, at any of the phone numbers you, the customer, have been given, this could go on for weeks. REALLY!! 

The banks want to know how much money you, the customer, has, and knowing this, I do not play with much, I know, the bank will try to mess with my accounts, or ROB me blind to their own advantage. 

I pretty much put these banks, ie : credit card, checking account, debit card on a trial of 1-3, 3-6 months, if in that time a lot of disturbances to my normal banking, statements not coming on time, you know, all that deliberate XXXX the banks do, I will close accounts, FORGET any investments. 

It is unfortunate, these huge banks function from such XXXX, DECEPTIVE platform. 

I am OUT, good luck Discover acquiring new customers or even maintaining the ones you have. 

Checking account # XXXX XXXX Credit card # XXXX
Product: Money transfer, virtual currency, or money service

I'm not sure about the exact dates, but I believe this issue transpired sometime between XXXX and XX/XX/2020. My child had created a face id on my iphone without my knowledge and then downloaded a game where she then proceeded to make roughly $ XXXX of purchases spread out through several of my credit cards that were stored in my wallet, including {$2000.00} on my Apple Card from Goldman Sachs . When I discovered the issue I immediately contacted all of my credit card companies and after their investigations they determined that the charges were fraudulent and refunded the money. Goldman Sachs however did not agree that the charges were fraudulent. So, I went to my bank and they found that the charges were fraudulent and refunded the money. After this, Goldman Sachs closed my account and charged me for the charges. I have been making payments to avoid credit issues, however, I never authorized these charges and I shouldn't be paying for them.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and found a collection account from I.C. SYSTEM, INC that I have no knowledge of. I never received any notice, validation, or documentation regarding this debt, and I do not believe it is mine. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), a debt must be properly validated before it can be reported. Since I have not received any proof that this debt is mine, I am formally disputing its accuracy.