23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

According to Radius Global a short term loand was opened with my information - all correct except spelling of first name, bank and email. The original account was oppend with XXXX XXXX who never contacted me. My first contact regarding this fraudulent account was from Radius in XX/XX/2020. 

During my first conversation with Radius I was told that it was an XXXX account and any dispute had to be addressed with them. On XX/XX/2020 I contacted XXXX who informed me that the account was no longer their 's but instead was sold to Radius. Any dispute needed to be filed with Radius. All further attempts to contact Radius went to dead phone lines. 

On XX/XX/2020 I recieved written communication from Radius stating that they investigated and determined the account was valid and that I now owed XXXX plus an additional late fee for XXXX. 

On XX/XX/2020 I spoke with a Radius employee who informed me I needed to file a police report and return with the letter ( which will be done today, XX/XX/2020 ). The Radius employee also informed me they are simply collecting the debt for XXXX and that the account is not a Radius account. This contradicted the information provided by XXXX on XX/XX/2020.
Product: Debt collection

Theyve been asked repeatedly to not contact me. They continue to leave threatening voicemails. The transcript of the most recent voicemail : XXXX Deposited a new message : " This message is only intended for a XXXX XXXX XXXX, uh this compliance XXXX XXXX XXXX and contact in regards to a pending case to be filed against you. Now, by law, you must make you aware that once case number file us XXXX is filed, it will become a matter of public records and there 'll be a order of location that'll be issued for you. Now, since I wasn't able to reach you by phone, I was instructed to contact your employer and speak to the supervisor as this. Now may look like a possible place or location due to the negligence when you're in regarding the case, XXXX XXXX, you do still have the legal right to contact the office that is process in the case. But once the case discharged from that office, all legal rights are to be forfeited over the phone number here. They do provide on the paperwork to contact. That office is XXXX and this will be in regarding the case number, file us XXXX and XXXX XXXX, you are being legally notified by telephone and you'll be located less time otherwise. Thank you. '' Click here : XXXX to listen to full voice message.
Product: Money transfer, virtual currency, or money service

Was going to buy tickets but I ccanceled did not ok the transfer and Zelle transferred money even though I denied request. I was robbed and Zelle release funds without permission. 

Also, bought football gloves enough XXXX and I was scammed, tried to report persons sm request money back and didnt receive anything from XXXX no reply or help. Lost money
Product: Debt collection

This attempt to collect this debt is illegal. I never opened this account with the original creditor. This collection attempt must be stopped immediately. I was a member of identity theft and my credit has been ruined. I have contacted the credit agencies already and they have done nothing. I am now trying to fight this this way. 

XX/XX/2020 {$3100.00}
Product: Credit card or prepaid card

Hello, I set up my account for auto debit and it has been successful in the past but for some reason my auto debit on XX/XX/2020 of {$62.00} was returned to me.They returned the payment on XX/XX/2020 and then charged me a late fee of {$28.00} onXX/XX/XXXX as well. I tried calling but they are CoViD-19 as an excuse to not provide any live customer service. There is no way to resolve my issue via the automated call system. There is also no way to resolve this issue via the contact us section of the online account site. The end of CoViD-19 is unknown so when will be able to fix account after Chase 's error?

My credit score is now going to take a hit because and now can't make payments. How does Chase expect customers to pay their bills?

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

Hello again, and to whom it may concern, I'm still having difficulties with TransUnions regarding inaccuracies on my credit report. I've sent out multiple letters asking for the details of the investigation regarding how they " verified '' an account that clearly isn't mine and its been past 30 days and I'm not receiving anything through the mail, email, phone call nothing. I know they received my letters by now and it's almost XXXX and I sent these disputes out the 3rd week of XXXX. Please help me because they are not taking my situation seriously and their ineffectiveness to report 100 % accuracy on my credit report is not only hurting my credit but its causing me to have to pay higher interest, I can't get approved for home or car loans, can't obtain new credit etc. I'm ready to file a complaint with the XXXX XXXX XXXX if this keeps up.
Product: Credit card or prepaid card

I'd like to file a complaint about the way Discover ( and likely other companies as well ) displays balance transfer information on their monthly statements. 

In this particular case, I have two balance transfers, one expiring in XX/XX/2020, and one expiring XX/XX/2020. 

My complaint is regarding how these transfers are displayed ( or in this case, NOT displayed ) when I log in to my account at www.discover.com. I can see my current balance ( {$2600.00} ), but I can't tell how much of that balance " belongs to '' the XXXX transfer and how much " belongs to '' the XXXX transfer. When I look at my current statement ( excerpt attached ), I can see the amount of those transfers which was subject to interest in the past month was {$3300.00} and {$620.00}, respectively. But obviously the total of those amounts exceeds my current balance since those totals do not reflect payments made. 

It seems that credit cards companies are being deliberately cagey about how payments were appliedthey could indicate on the statement, e.g., " {$530.00} of your payments were applied to your balance transfer expiring on XX/XX/2020 '' or something similar, but they do not, and therefore there is no way to know the respective remaining balances. 

So I reached out to Discover 's customer service via chat and asked them how to view the current balances of each transfer via their website. 

This was their response, verbatim : " Alright, so keep in mind the balance ( s ) disclosed is as of today and does not include interest, any pending charges and/or merchant refunds, and may not include other previous adjustments to your account balance. With that said though, your balance under the Promotional Balance Transfer rate of 0 % expiring on XX/XX/2020 is {$2000.00} and your Promotional Balance Transfer rate of 0 % expiring on XX/XX/2020 is {$620.00}. However you can not see this anywhere on your app or online profile, you would need to reach out to us for accurate balances for your balance transfers. Does this help out? '' The most important part of their response is " ... you can not see this anywhere on your app or online profile, you would need to reach out to us for accurate balances for your balance transfers. '' So they are admitting that there is no way for the consumer to know how much of each balance transfer remains at any given time. 

If their support people can see the exact balances, then it would be an easy matter for their website to display it as well, with the same disclaimers ( " does not include interest, any pending charges and/or merchant refunds, and may not include other previous adjustments to your account balance. '' ) And yet I suspect they choose NOT to display this info to keep the consumer in the dark about the actual amounts, making it difficult for the consumer to pay off the balance and avoid additional interest. Either the consumer has to overpay, to ensure covering it all, or risk underpaying and then paying high interest on the remaining balance, the exact amount of which remains a mystery.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I noticed information being furnished on my consumer report regarding utilization and late payments. I have reached out to the creditor and the reporting agency, regarding the inaccuracies and unfairness. I requested that the late payments and utilization to be deleted due to privacy. The information being furnished on experiences and transactions are supposed to be excluded from consumer reports. Consumer reporting agencies are supposed to report accurately by the guidelines given in the fcra and they are not doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a medical collection per collection company, When i reached out to them i asked them to validate and verify that this was my account, give me signatures with me agreeing to pay them, information stating i owed them, procedures done, Hippa release form from orginal creditor for me allowing them to have my information, They will not supply me with any information and the credit bureaus keep saying verified, But the account is reporting inaccurate information with the date opened. How can i open an account on two different dates? Please remove this account from my report
Product: Credit reporting or other personal consumer reports

Over the past several months, I discovered that multiple accounts that had previously been removed from my credit report due to confirmed fraud have reappeared. These include XXXX XXXX Bank Account XXXX : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX Initially, I filed disputes and provided evidence of identity theft, which led to their removal. However, they have recently been returned to my credit report, further harming my credit standing. 

Under Section 605B ( 15 U.S.C. 1681c-2 ) of the Fair Credit Reporting Act ( FCRA ), any information resulting from identity theft must be blocked or removed from a consumers file. Therefore, to ensure accurate reporting, I am requesting that these accounts be removed again and remain off my credit report permanently.
Product: Checking or savings account

Key Bank  is confused about my 'Grandfathered ' checking account from XXXX XXXX  , which had no maintenance fees or monthly transactions requirement, they took over in XXXX. And starting in XXXX have decided without my awareness or consent, to charge {$50.00} maintenance fees on an irregular basis. I have been using this account only as a depository for a small monthly electronic deposits from pension plan and have failed to monitor it regularly to catch these rough 'unjustified maintenance fees, until XX/XX/XXXX. My request to refund these charges and to explain what happened to my 'No Fee ' account after these many years of the account being maintained without fees have not been resolved by Key Bank . 

What is really hurtful, even though I was told and assured there would be no additional fees while my complaint is being 'researched ' for last 2 months, 2 more {$50.00} fees were deducted from my account!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I wanted to follow up on the results received from you and the other 3 bureaus from my investigation, thank you for getting back with me within 14 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. I had a lot of inconsistencies between the 3 bureaus, below i have listed them out for you. 




Date of Last Activity/Account Status/Date Opened I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, XXXX, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation.At this point. I demand you delete these accounts immediately. Please forward me an updated credit report to my address after you have completed your deletions. 

Thank you,
Product: Debt collection

This is so annoying & frustrating. Ive sent Equifax multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Equifax 's responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : DEPT OF EDXXXX XXXX Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX, XXXX, DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX, DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX, and DEPT OF ED/XXXX  XXXX Date Opened : XX/XX/XXXX. Please remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

Summary of issue : A mortgage loan officer from Citizens Bank pulled a copy of my credit report ( hard credit inquiry ) without my authorization. 

Details : On Saturday, XX/XX/2020, I went to the Citizens Bank branch at XXXX XXXX XXXX XXXX, MA XXXX to make a deposit into my checking account. After I was done with the transaction, I asked the teller if they could let me know their current 15 year fixed mortgage refinance rate. The teller said he didn't know what the rates were but if I left my phone number he could have a mortgage loan officer call me and let me know the rates. So I provided my phone number to him. That afternoon I received a call from the Citizens Bank mortgage officer who provided me with the current rate. As the rate was too high compared to other mortgage companies that I had already inquired with, I said I was not interested, but she could let me know if the rate falls on Monday. This was a process I had gone through with 3 other lenders and they were keeping me posted on the rates. 
Shortly after I hung up, I received an email alert that a lender has requested a copy from my credit report. I was very concerned as I had not given anyone permission to pull my credit report. I contacted the Citizens Bank mortgage officer to find out if that was her. I did not hear back from her until the following day when she said that indeed she had pulled my credit report in order to give me a more accurate rate. ( I attach a copy of her email response ). I followed up over the phone and when I said that I had not authorized this credit inquiry she said she thought that I had given my permission to the bank teller at the branch. I have shopped around for mortgage rates and have refinance twice in the past without any lender ever pulling my credit simply to quote me a rate. I had not given her any indication that I was planning to refinance with her. 
I find this extremely unprofessional and feel that my privacy has been violated. Just because the Bank has my personal information ( because I have a checking account there ), this doesn't give these individuals the right to use my personal information without my permission.
Product: Credit card or prepaid card

CAPITAL ONE BILLING STATEMENTS ONLINE ARE MISLEADING! THE STATEMENT SAYS TO PAY THIS AMOUNT FOR FULL PAYMENT! WHEN YOU PAY THE FULL PAYMENT AMOUNT, A SEVERAL DAYS LATER INTEREST IS ASSESSED TO YOUR ACCOUNT AFTER THE ACCOUNT HAS BEEN PAID IN FULL. THEREFORE, THE BILLING STATEMENT IS MISLEADING AND INACCURATE.
Product: Debt collection

I keep getting calls from a company called Nationwide Recovery System regarding some person name XXXX. I've told several people from this same agency that they have the wrong number and they will not stop calling my on my personal cell phone. I do not know a person named XXXX and my cell phone is in my name XXXX XXXX and have had the same phone number for years. They call me at least once or twice a day from the same XXXX number and will not stop calling even after explaining this is the wrong number. I've received calls on my phone from other numbers as well from the same company XXXX NRS. This company will not stop calling me and I have perfect credit don't own anything to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) and as well as the true and lending act 15 USC 1666 ( b ). Reporting inquiries without my permission and the latter responsibilities of furnishers of information to consumer reporting agencies to my credit report. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.
Product: Credit reporting or other personal consumer reports

My personal information was used without my permission to open fraudulent accounts and inquiries using unauthorized residential addresses I never lived at. I have contacted the credit bureaus, data furnishers, consumer financial protection burueu, and police department to report this inaccurate information that needs to be blocked and removed from my credit report by federal law. XXXX Fraudulent accounts unauthorized identity theft : XXXX XXXX # XXXX OPENED XX/XX/XXXX BALANCE {$3.00}, XXXX XXXX # XXXX OPENED XX/XX/XXXX BALANCE {$1000.00}, XXXX XXXX XXXX # XXXX OPENED XX/XX/XXXX, BALANCE {$0.00}, XXXX XXXX  # XXXX OPENED XX/XX/XXXX BALANCE {$0.00}, XXXX  # XXXX OPENED XX/XX/XXXX BALANCE {$2200.00}, XXXX  XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$290000.00}, US DEPT ED # XXXX  OPENED XX/XX/XXXX BALANCE {$5200.00}, XXXX XXXX # XXXX OPENED XX/XX/XXXX BALANCE {$910.00}, XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX BALANCE {$120.00}, XXXX XXXX XXXX XXXX # XXXX OPENED XX/XX/XXXX, BALANCE {$500.00}, XXXX # XXXX OPENED XX/XX/XXXX BALANCE {$420.00}, XXXX # XXXX OPENED XX/XX/XXXX BALANCE {$420.00}, XXXX XXXX # XXXX OPENED XX/XX/XXXX BALANCE $ XXXXfraudulent addresses connected to fraud never lived there XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Home Depot has worked with the Federal Gov't or other law enforcement to engage in an inappropriate investigation into our home. This also involves XXXX. They set up a XXXX XXXX account under my husband 's old number XXXX. I'm having issues with XXXX above my head every time I go outside. Home Depot shows my IP address as XXXX XXXX, CA. This aligns to court signed documents, etc. This is also an XXXX issue. They are involved with XXXX XXXX. I live in XXXX at XXXX and they are trying to pin crimes on me! Home Depot never put my balance on the promotional rate offered after spending over {$290.00} on my last purchase. They changed my paper statements to e-bills so I would miss my bill and they put me in collections. This is so crazy! They don't acknowledge or investigate anything! Citibank COSTCO card is the same way with the zip code being in XXXX XXXX and the fraud too!
Product: Money transfer, virtual currency, or money service

I placed an international wire transfer to my wife from my citibank account to XXXX for {$19000.00} on XX/XX/XXXX bancolombia on the XXXX stated they were returning the funds. I have placed an investigation with citibank and spoken directly to XXXX XXXX citibank states the funds are with XXXX. XXXX states the funds are with citibank. I have called several times requesting documentation and certification of the transfer be sent to me from citibank and they have not complied each time I am told there back office is busy. as of today the funds have still not been transfered back to my account. I suspect fraud somewhere and banking instututions should not be allowed to just take funds and not give any explanation