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

Hancock Whitney Bank has violated my rights in account reporting. I have come to find out for years they have been reporting many incorrect missed payments and not reporting on time payments since the account was opened. They can't even report the same closed date correctly between bureaus. How can they be trusted. I called Hancock Whitney and they say they can't find my account. but when I filed a dispute with the bureaus, they say all this scrambled information is verified. how can this be when its totally different with each bureau. This account is a blatant violation with credit reporting law. 

They also violated my rights under 15 USC 1681s-2 and 15 USC 1681 section 602 A.
Product: Checking or savings account

They Closed and lied and said there was fraud on it and I told them I did all those transactions I told them I didnt report anything dealing with fraud they didnt reach out have said nothing since then nobody wants to help with nothing.
Product: Debt collection

I had a checking account with XXXX XXXX XXXX XXXX prior to XXXX 2013. I overdrafted the account and was charged nearly XXXX $ in daily overdraft fees before the funds in my savings account were applied to cover the original amount overdrafted. The account went to collections with The Best Service Company with a balance of XXXX $ owed in XXXX 2013. I disputed the account and TBS co reported the account as closed to XXXX for meeting FCRA requirements for a dispute, but still lists the account open and in collections with XXXX. I reached out to TBS co and inquired when they would report to XXXX that the account was closed pursuant to my dispute. The agent advised me that she does not know why the account was closed with XXXX and repeatedly interrupted me to tell me I needed to pay the account. I advised her the account was disputed and closed and I would not make a payment until she could explain why it was closed with XXXX bureau but not the other. The agent advised me that she did not know and it was a mistake and that all she knew was that I had to pay the account. I again asked why the account was closed with XXXX bureau but not the other and she transferred me to a voicemail for someone else. I left my contact information and even called an hour later and was again dumped in a voicemail. I have never received a returned call from this company to explain their discrepancy in reporting to the credit bureaus. They refuse to explain why I need to pay this account that is closed, they refuse to accurately report to the bureaus, and they continue to aggressively attempt to collect this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit reporting act XXXX # XXXX, has violated my rights 15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , for committing identity theft. I have never given XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I have not validated any alleged debt with XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX any right to collect on this alleged debt. 
I have never received any documentation requesting validation from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX , can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion , theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : 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 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 XXXXXX/XX/XXXX
Product: Consumer Loan

Loans has been paid off. I have traded this vehicle with the title. This company is marking it as a charge-off and also saying paid as agree.
Product: Credit reporting, credit repair services, or other personal consumer reports

My spouse and I filed a chapter XXXX bankruptcy in XX/XX/XXXX which did NOT include our home mortgage to Wells Fargo. Since that time, we have made several complaints to have them repair our credit reports regarding how they have reported our mortgage. The account is current and we have NEVER had a late payment. They have fixed all of the credit reports for my husband ONLY. The following is how they are reporting to the three credit reporting agencies for myself ( we are joint owners of the loan, so they should be exactly the same ). 
XXXX  shows me with zero open mortgage loans. 
XXXX  shows me with zero open mortgage loans. 
XXXX shows me with Wells Fargo Home Mortgage closed, included in a chapter XXXX bankruptcy and a failure to pay in XX/XX/XXXX. 
I received a letter from Wells Fargo dated XX/XX/XXXX with the following statements : " We've determined the account was handled properly and no corrections are needed as no error has occurred. '' " We've determined that we provided accurate information to the consumer reporting agencies and will not be making any adjustments ''.
Product: Credit reporting or other personal consumer reports

I HAVE ACCOUNTS REPORTING ON MY CONSUMER REPORT THAT ARE INACCURATE, AND UNVERIFIED. ALL OF THE ACCOUNTS LISTED HAVE DIFFERENT DATES OF LAST ACTIVITY/STAUS DATE AND THE PAYMENT HISTORY IS INACCURATE BETWEEN, XXXX, XXXX, AND EXPERIAN. THIS IS A VIOLATION OF THE FCRA AND THESE ITEMS ARE TO BE DELETED IMMEDIATEY FROM MY CONSUMER REPORT. DELETE THESE ACCOUNTS : 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 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 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 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 THESE ACCOUNTS ARE REPORTING LATE PAYMENTS IN THE PAYMENT HISTORY. THIS IS INACCURATE & A VIOLATION OF THE FCRA. THE ACCOUNTS REPORTING MUST BE CORRECTED AND UPDATED TO " PAID ON TIME, NEVER LATE, PAID AS AGREED IN THE ENTIRE PAYMENT HISTORY OF THE ACCOUNT. ''
Product: Debt collection

I checked my credit report and noticed that ICS System was reporting on my credit report. I never received a notice about the debt or given the opportunity to dispute. When I contacted the company one representative could not locate a letter that should've been sent to me. They drafted a letter to send to me after i called. I sent a certified letter on XX/XX/XXXX to them requesting more information and I never received a response. from them. They placed the items on my credit report initially without notifying me in advance and giving me the opportunity to dispute ;.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have written to XXXX, Equifax and XXXX 3 times in regards to XXXX   XXXX ( as well as several other issues on my credit report ). XXXX took over 2 months to reply. Have not received much communication from Equifax nor XXXX. IN regards to XXXX, above, this item was PAID, CLOSED and responsibility of EX Husband, as per divorce Decree, which was clearly stated and copies of court ordered Decree sent to all 3 credit reporting companies, above. ACCOUNT CLOSED IN 2013 AND PAID. I would request this be DELETED from my credit report as it is INACCURATE
Product: Credit reporting, credit repair services, or other personal consumer reports

Sagestream , llc provides false information that no other agency provides and false information that is detrimental to fair credit decisions. Sagestream credit score is XXXX points lower than the REAL credit reporting agencies. I have an over XXXX credit score everywhere else. I know for a fact because I just verified it. Sagestream is a scam company. They list factors like distance between area code and phone number as a key factor adversely affecting score. I have had the same number for 20 years and it is the only area code in my zip code. How they make this XXXX up Ill never know. Limited history for consumer at this phone number. Once again, Ive had this number for 20 years. It has been tied to 3 mortgages and probably 6 car loans all of which were paid on time never late and satisfied in full. Also tied to multiple bank accounts and credit cards. I have under 1 % credit utilization. They list too few retail accounts as a factor. False. They list too few active accounts as a factor. False again. They basically just make stuff up to torpedo you.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

On XX/XX/2022 I filed a dispute against XXXX in the amount of {$120.00}. The next day I mistakenly canceled my dispute and tried to reopen the dispute but got denied multiple times. On XX/XX/2022 my issue with XXXX  was resolved but the only problem was that since a dispute was filed chime did a chargeback and XXXX  has told me to since I have filed a payment chargeback dispute, we recommend reaching out to your banking institution regarding the down payment of {$120.00} I made. So once I called chime about it they told me to send in new evidence to reopen the case and still keeps getting denied after multiple times even after talking to a supervisor no help. They also told me also to call and talk with the merchant so once I got off the phone with them I immediately called XXXX  and they said basically it was nothing they could do because the chargeback was officially completed and they did not see why chime couldnt refund me the chargeback or reopen the dispute so I could receive the money. I have also sent them the email from XXXX  stating to contact them about the refund and Chime hasnt done anything my but deny my request to open it.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, LA XXXX RE : Fraudulently Obtaining Consumer Credit Reporting Information XXXX XXXX To Whom this notice may concern, You are in violation of Credit Reporting act 15 USC 1681 ( b ) for unlawfully obtaining my XXXX XXXX XXXX XXXX XXXX and Early Warning Services LLC consumer report without my authorization and permissible purpose under the Fair Credit Reporting Act. 
As a result of you unlawfully obtaining my consumer report without my permission, you are liable to actual damage or statutory damage for up to {$1000.00} in punitive damages. I am willing to settle this matter without admitted liability. Cease and desist on obtaining copies of my consumer report from consumer reporting agencies and pay me {$1000.00} in punitive damages and deliver it to my address above within the next 14 days of receiving this demand.

Please be advised that I am prepared to place a commercial lien on your company if you refuse to comply with this demand.

At the time of received payment this letter will become a general release of all claims herein.

Kind regards,
Product: Credit reporting or other personal consumer reports

Please remove these inaccurate inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy and completeness of the balance associated with the account : XXXX XXXX XXXX. Open Date : XX/XX/year> I believe the reported balance is incorrect, and this discrepancy needs to be addressed immediately. Under 15 U.S.C. 1681s-2 ( b ) ( E ), furnishers of information are required to conduct a reasonable investigation when a dispute is made regarding the accuracy of information on a consumer report. In the case of XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX, it was emphasized that verification of disputed information must be supported by comprehensive and accurate account-level documentation. Furthermore, 12 C.F.R. 226.25 ( a ) stipulates that such documentation should detail all transactions related to the account in question.

Given these legal responsibilities, I request the following : 1. A thorough investigation regarding the accuracy of the reported balance associated with my account.

2. The provision of complete account-level documentation that verifies the accurate balance in accordance with the XXXX case and applicable regulations. 

If your agency can not verify the accuracy of the information with appropriate proof of verification, I expect that the account will be deleted from my credit report immediately, in compliance with the FCRA. 

Please send me written confirmation of your findings and any corrections made within the required timeframe. 

Thank you for your prompt attention to this matter. I look forward to your swift response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to correct these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : XXXX XXXX XXXX Account Number : XXXX KOHLS/CAPONE Account Number : XXXX
Product: Money transfer, virtual currency, or money service

I have had a Paypak account for several years. In XXXX I changed the phone number of the account. They would not. update the log in phone number after several written and verbal requests. In mid XXXX my phone was stolen, so I purchased a new phone and used a new number. 
When I attempted to contact Paypal is would not let me log in as I did not have access to the old phone, which is where the verification code was being sent. 
I contacted Paypal via phone. At first I was told there was nothing that could be done as his department did not have authorization to change phone numbers in the system. 

I contacted a second time and the man was able to update my phone number, but I still could not access my account of the monies in it. He told me to add a new account. 

After adding the new account I called customer service again to request the funds be transferred from the old account to the new one. I was informed that was not allowed in their system.

I tried calling 2 more times with the same response. 

I recalled the department manager and was told they did not have access or authorization or access to transfer funds. 
When I asked how I could access my funds, the response was you can't. I asked if there was someone else I could speak with and was told he had no one to transfer me to that would be able to help. 

To date I do not have access to my old account and the money that has been paid into it is still unavailable. in is still unavailable.
Product: Vehicle loan or lease

The loan was in me and Co signer name. The co signer took the vehicle and it was stolen while in his possession. Wells Fargo did a claim on vehicle and I was stuck with a payment for XXXX that I paid with taxes. I made a report that the vehicle was not in my possession and the co signer had took the vehicle in 2011. I was the only person stuck with the debt through Wells Fargo.
Product: Credit card or prepaid card

In XXXX, there were instances where XXXX 's erroneously charged me $ XXXX {$2.00} as an interest charge when my account was paid in full and had a {$0.00} balance. This has resulted in a negative result in XX/XX/XXXX of a 30-day late payment remark on my credit report. 

- XX/XX/XXXX Statement ( Account flagged 1 month late ) New Balance = {$210.00} due XX/XX/XXXX [ No New Purchases ] XXXX Statement ( Account in good standing ) New Balance = {$2.00} due XX/XX/XXXX Payment # 1 on XX/XX/XXXX = {$110.00} ( before XX/XX/XXXX due date ) Payment # 2 on XX/XX/XXXX = {$100.00} ( before XX/XX/XXXX due date ) {$210.00} [ New Balance ] - {$110.00} [ Payment # 1 ] - {$100.00} [ Payment # 2 ] = {$0.00} Balance as of XX/XX/XXXX Interest Charge on Purchases on XX/XX/XXXX = {$2.00} XXXX Statement ( Account flagged 1 month late ) New Balance = {$47.00} due XX/XX/XXXX Purchase # 1 =  {$39.00} Late Fee on XX/XX/XXXX = {$2.00} Minimum Interest on XX/XX/XXXX = {$2.00} XXXX Statement ( Account flagged 2 months late ) New Balance = {$79.00} due XX/XX/XXXX [ No New Purchases ] Late Fee on XX/XX/XXXX = {$29.00} Minimum Interest on XX/XX/XXXX = {$2.00} XXXX Statement ( Account in good standing ) New Balance = {$2.00} due XX/XX/XXXX Payment # 1 on XX/XX/XXXX = {$79.00} ( on XX/XX/XXXX due date ) Minimum Interest on XX/XX/XXXX = {$2.00} XXXX Statement ( Account flagged 1 month late ) New Balance = {$2.00} due XX/XX/XXXX [ No New Purchases ] XXXX Statement ( Account in good standing ) New Balance = {$0.00} due XX/XX/XXXX Payment # 1 on XX/XX/XXXX = {$2.00} ( before XX/XX/XXXX due date ) In accordance with XXXX 's " How to Avoid Paying Interest on Purchases '' clause available in every statement, it states " We will not charge you ANY interest on purchases if you pay your new Balance by the payment due date each month. '' I don't understand why this keeps happening and from my research, it is not an isolated issue with myself. This is a map of my XXXX data. I will be placing a similar complaint for my XXXX data which I had to request from XXXX 's because it was no longer available via their online platform. 

I previously called in to XXXX 's in XXXX to try to resolve this credit issue to no avail as they elevated my situation and somebody will be in contact with me in a few days. After a few days, I was contacted with information that did not make sense and clearly contrary to their disclosure clauses in their billing statements.