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

I have a Suntrust XXXX XXXX XXXX and for the last 2 months the amount due shown in the credit card app has been incorrect. I have paid the amount due on time and have been charged a late fee each month. The representative this time has indicated that I can not trust what the app says and that I need to pull my statement and pay what it shows is due on the statement. They have not been able to provide any explanation for why the two amounts do not match. After the first months issue, I did call the customer service line on XX/XX/23. I was told my account still reflected a {$40.00} balance and that it was incorrect. They said the payment had been misapplied and a form was being submitted to fix the issue. I was provided submit ID XXXX. I was told not to make the {$40.00} payment. On XX/XX/23 I was charged a late fee. On XX/XX/23 I called customer service again. I was told the previous rep was incorrect, and I needed to make the {$40.00} payment. I made the payment on the phone with that rep immediately but was told they could not waive the late fee. I then made my XXXX payment as represented in the app. On XX/XX/23 I was charged another late fee. On XX/XX/23 I called again and was told that the amount I needed to pay was actually {$170.00} not {$40.00} and they could not waive the fee even though I was provided incorrect information. I have filed complaint # XXXX. Suntrust is deliberately displaying incorrect minimum payment information to the consumer in their payment app in order to defraud the consumer and charge illegitimate late fees. And then they are falling back on the consumers need to review their statement for accurate minimum payment info.
Product: Credit card or prepaid card

Citizens Bank refused to cooperate to reset pin on Visa Debit Card ; Citizens Bank refuses to issue a new debit card ; Citizens Bank refuses to assist to provide new debit card pin ; Citizens Bank refuses to close my account and allow me any of my XXXX XXXX dollars and reopen the same account. I do not have a drivers license with me and my name address and Citizens Bank refuse to do anything where I can make a single purchase using Citizens Bank debit card. The customer service number at Citizens Bank refuses to help with any of these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2021 I took out a loan with Mobiloans in the amount of {$1800.00}. I was making regular payments until XX/XX/2021 when I made a payment in the amount of {$1700.00}. I had two " fixed finance charges '' still left to pay at this time. On or about XX/XX/2021 I got an alert from XXXX XXXX that my credit score had gone down due to a 30 Day delinquent payment from Mobiloans. On XXXX XXXX I received an email from Mobiloans informing me that I am not 30 days late, I am only 24 days late ( attached hereto ) at the time of the reporting I would have only been 12 days past due, yet they still reported to both XXXX and XXXX that I was 30 Days or more delinquent. It should be noted that you can not make ANY payments on their website if you are more than 1 day late, calling them gets you put on hold for an indefinite amount of time, and emailing them gets you an automated response telling you they believe they have resolved the issue. I have been calling and emailing since Early XXXX trying to get my account figured out and they refuse to communicate and do things like report you to the CB 's. When you do get someone on the phone or by email, they tell you they " can't help you because it's only been x amount of days '' the second time I reached out I was only 9 days past due and they refused to assist me. I can't attach the emails I sent because they are all done through their website and you don't get copies of those. This is not the first time they have screwed up with my account.
Product: Debt collection

This is not my debt, someone maybe use my information wrong or fraudulent. Please I would like this account deleted
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it XXXX concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Employer - XXXX XXXX Incorrect XXXX : - XXXX Employer - XXXX XXXX XXXXXXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION XXXX OF THE FAIR CREDIT REPORTING ACT. PER XXXX IN BRIEF, SECTION XXXX PROVIDES THAT A CONSUMER REPORTING AGENCY XXXX NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : XXXX CFR PART XXXX [ DOCKET NO. XXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Debt collection

On XX/XX/20, a representative from " LendGreen '' contacted my elderly parents via telephone, asking to speak to me. She repeatedly asked them for my phone number. When they asked her what this was about, she refused to answer and continued to ask for my telephone number. When they refused to give it to her, she hung up on them. This was very upsetting for my family. I then called the number that had called them. She answered the phone using my name ( apparently they have caller ID ). I asked her why she had called my parents ' home looking for me ( I have not lived there in over 20 years ), and she would not answer until I " verified information, '' including my social security number, which I refused to do. She would not give me any further information other than she was from " LendGreen. '' I do not know anything further about this company, and have not been associated with them in the past. I told her not to contact myself or any of my family members moving forward.
Product: Credit card or prepaid card

Hi, I filed a dispute with Chase in XX/XX/XXXX, for a {$1500.00} ( XX/XX/XXXX, reference # XXXX ) charge to my credit card.

I received a message from Chase.com stating that they would work on it. The message further stated : " If we make any adjustments to your account .. You'll also see the adjustments on your billing statement. '' On or before XX/XX/XXXX Chase agreed and credited my account ( adjustments ).

I have snapshots of my account dated XX/XX/XXXX, that show the XXXX XXXX transaction for {$1500.00} was credited back to my account. I also have a snapshot from the Chase.com website stating " There is no amount due on this account ''. It also showed my balance was a negative {$1500.00} on XX/XX/XXXX. Several of these snapshots are attached ; including one of my XXXX statement showing my current Balance as {$310.00}. 

Then on XX/XX/XXXX the transaction was re-posted to my account for {$1500.00} ( XXXX XXXX ) as if I had walked in and physically used my credit card. I did not! Nor did I make any transaction or payment online with them in XXXX or XXXX. I have not been to this place ( XXXX XXXX   ) since XX/XX/XXXX, before I disputed the first charge. This is a second charge which is even more fraudulent than the first one.

In a XX/XX/XXXX letter Chase says that I waited too long to dispute the XX/XX/XXXX charge, but incorrectly calls it the XX/XX/XXXX transaction, which they had already resolved/credited. I have not had any other services with XXXX XXXX. So if this is the same charge resubmitted as another transaction it is fraudulent. 

Either way the time issue/error is Chase 's. The complaint was in XX/XX/XXXX. Their XX/XX/XXXX reply saying it's been too long is their error. Just as I have to bring the issue to their attention within 60 days, they also have a limited amount of time.

Additionally, it was already credited back to my account!

Thank you for your help resolving this error. 

Sincerely, XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I took a loan of XXXX dollars and have already payed back XXXX. I was under the impression that the loans interest rates were no more than 25 % when taking the loan. During the application process I was also lead to believe that paying the minimum payment amount due was sufficient in paying it off. Today is what I assumed was the last payment and come to find out they say I owe still XXXX dollars. When I called thinking it was a mistake I was told that it was no mistake. That in order to pay off the loan I had to pay an additional XXXX dollars due to the compounded interest rate. Which thinking it was also a mistake they then said 600 % was fair under tribal law and that they are well within their rights to do so. This is because they are a sovereign nation. At the time of application I was not made aware of this. I was under the impression that this was a federally regulated company due to how I found them. The man on the phone told me had I payed it in full within the week I wouldn't have faced such a steep interest rate. Which was information withheld from me during the application process. I was not made aware of how they compounded interest daily or even weekly.
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is erroneous and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit reports, to my surprise these credit bureaus are reporting these accounts listed below inaccurately. These collection accounts is reporting not only as open but also shows a past due balance. According to the FCRA, I have the right to an accurate credit report. Please delete these accounts immediately from my credit report. I have provided attachments to this complaint of proof of inaccurate reporting on my credit report. 

Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Account : XXXX  XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Experian is reporting two XXXX XXXX Accounts as charge off on my credit that's impacting my credit. 

XXXX XXXX Account Under the fair Credit Act Law under section 604 15 USC 1681b FCRA 604 [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ). In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ). In accordance with the written instructions of the consumer to whom it relates.

( 3 ). To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of the consumer, or
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX credit card. My account was used without my authorization, resulting in a balance owed. Prior to the unauthorized use, my account had a {$0.00} balance. The fraudulent use caused a balance to be owed. However, I was not aware the account was used without my authorization before it went more than XXXX days past due. A XXXX day late payment was reported on my credit report in XXXX, XXXX. 

Upon resolution of the fraud claim, I disputed this account with XXXX, Equifax and XXXX XXXX. XXXX reported the XXXX day late payment as accurate and kept the late payment on my credit report.
Product: Money transfer, virtual currency, or money service

I sent money on a few different times And the manager just disappeared. I call and get the answer machine never got to talk to a live representative. Had a bunch of problems with Cash App like that.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continually lowers my XXXX score by mis rating and connecting a XXXX XXXX XXXX   Account, Interest is accruing, but loan is not due payable for 6 months yet, I can not pay interest until payment is due ... this is incorrect, and they need to stop this baloney
Product: Debt collection

Not sure where this came from was told debt didnt Exist and was not mine I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that proof of the alleged debt, nor therefore any such debt, in fact exists
Product: Debt collection

In  XXXX   XXXX  I sent a lette r to I.Q. Data International , Inc. as king for validation of debt with   XXXX   XXXX     XXXX   XXXX   XXXX . On  XXXX   XXXX ,  XXXX  I received a letter stating the prinicipal due is {$7000.00}, copy of a lease that expired  XXXX   XXXX ,  XXXX  and a move out statement dated  XXXX   XXXX ,  XXXX . An expired lease and a move out statement that I did not sign or agree to the amount owed is not validation of debt. Beginning  XXXX   XXXX  I have been disputing the validity of this account with all  XXXX  major credit bureau s (    XXXX   XXXX   XXXX   XXXX    ).  All  XXXX  credit bureaus responded stating the account is verified. They also failed to provide me with documentation they received to verify the debt.     On  XXXX   XXXX ,  XXXX  I appeared in  XXXX   XXXX   Superior Court and agr eed to the prinicipal judgment amount of {$4500.00} owed to the   XXXX   XXXX    XXXX   XXXX   XXXX . This account has been reporting to all  XXXX  credit bureaus incorrectly since  XXXX   XXXX ,  XXXX . Attached are documents received from  I.Q. Data International , Inc.,  and the Agreed Judgment Summary dated/signed  XXXX   XXXX ,  XXXX  by myself, my attorney, the attorney representing the   XXXX   XXXX    XXXX   XXXX , and the Judge.
Product: Debt collection

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$1.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1800.00} Balance updated XX/XX/XXXX Account info Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Lease Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$650.00} written off. {$860.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$1200.00} XXXX updated XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXX XXXX XXXX XXXX SS XXXX XXXX DOB:XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. <P/><P/>I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX, XXXX XXXX XXXX ( Experian ), and XXXX v. XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. <P/>If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. I look forward to an expedite resolution of this matter Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a copy of my consumer report and saw accounts on it that were not authorized by me. I contact all three major reporting agencies informing them that they were in violation of federal law. There are numerous violations of the federal law, the FCRA. Pursuant to 15 USC 1681 ( a ) ( 1 ), congress made clear findings that my consumer report must be fair and accurate to me, the consumer. The reporting agencies have assumed the vital role in assembling and evaluating consumer credit, on their own. By law, pursuant to 15 USC 1681 ( a ) ( 4 ), consumer reporting agencies have grave responsibilities of fairness, impartiality and respect the consumers ' right to privacy. My right to privacy has been infringed upon, and I have never given up my right to privacy, nor did I authorize them to report any information on my consumer report. The erroneous and fraudulent reporting on the reporting agencies ' part has caused me financial harm and adverse action against me. I have never given Experian, XXXX or XXXX consent to report any accounts on my consumer file, making this aggravated Identity Theft. All three agencies are also guilty of conspiring with these companies to violate my federally protected rights. Pursuant to 15 USC 1681 ( c ) ( a ), information excluded from consumer reports ( b ) no consumer reporting agency may make any consumer report containing any of the following items of information ( 5 ) any other adverse information. Any harmful, inaccurate account furnished to my consumer report is an adverse action.

After I sent certified letters to the reporting agencies, they responded saying these accounts were verified. This I know to be not true pursuant to 15 USC 1681a ( e ), there must be an investigative report with the source of the report coming from interviews of family and friends. I do allege there is no such verification exists.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX BANK CREDIT INQUIRY ON MY TRANSUNION CREDIT REPORT I NEVER GANE THEM AUTHORIZATION
Product: Credit card or prepaid card

I currently have a US Bank XXXX XXXX XXXX  XXXX card, having opened the account in XXXX, XXXX. One of the benefits of this card is the car rental damage waiver. When I signed up for this card, I was given a card member agreement and a guide to benefits which mentioned this benefit. On XX/XX/XXXX, I rented a car using my XXXX XXXX card, after going over carefully the details of the rental coverage. I have liability insurance of my own, and as per the terms of this rental coverage benefit, I made sure to decline any damage waiver from the rental company and charged my full rental on my XXXX XXXX card. I caused some bumper damage to the car I rented ( on XX/XX/XXXX ). I then returned the car on XX/XX/XXXX, and the rental company didn't mention anything about billing me for any damages so far. The rental damage waiver conditions stated that I need to report any claims within 45 days. Even though I flew out of the country after returning this rental, I immediately called the benefit administrator to report the incident. I was shocked when I was told my account doesn't show up as being eligible for the rental damage benefit on his side. Since I had the card member agreement, I reached out to US Bank, and after a 3-way call, I was assured there was a 'mistake ' in adding this benefit on XXXX  's side for my card. I was told by the US Bank representative it will be added retroactively starting from my card open date, and I should call the benefit administrator in a week to file my claim. Since then, I have called XXXX  's benefit administrator multiple times, and every time I've been told that the rental benefit doesn't show up for my account. To make sure I was not making a mistake, I ordered a current version of the card member and benefits agreement for my card, and sure enough, the rental benefit was listed in the benefits. I am truly disappointed that the only time I needed to use the benefit I could not. So far I've spent about {$100.00} in telephone calls XXXX and have additionally needed to purchase rental insurance for subsequent rentals since I couldn't trust US Bank any more. In short, I've experienced significant monitory losses and more importantly, peace of mind for over a month, due to this negligence from US bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name-XXXX XXXX XXXX # XXXX,, has violated my rights. 

Account name-XXXX XXXX  XXXX XXXX XXXX XXXXXXXXXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I had a line of credit loan with a bank which I got behind on. It got turned over to LTD Financial Service Debt collections. They called and asked me to get another loan to pay XXXX % of the debt. They said if I did n't they would sue me and according to the terms of my original loan I would be responsible for all the layers fees. 

I could not get a loan but plan to get a XXXX job. LTD Financial offered to take a large payment followed by regular monthly payments. I said that would work as soon as I started the XXXX job. They asked for my bank account number to make automatic drafts. I asked for this in writing and they refused and again said they were making the offer as a good faith effort to avoid litigation. I refused to hand over my bank account without a written agreement. 

LTD Financial then started calling my wife at work and telling her I was being uncooperative and she had to work with them. 

I plan to get an attorney.