23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On or about XXXX XX/XX/2021, I opened checking account with Hancock Whitney with {$51.00} with promotion of cash back bonus. The terms and conditions of this promotion and bank account is quite complex to understand : Monthly direct deposit of {$250.00} - total of {$500.00} per month Maintain balance of {$1500.00} to avoid minimum balance fees/penalties. 

As this account was new and Hancock Whitney messed up with my online access, it took a while to setup direct deposit. I requested Hancock Whitney to give me a grace period as this complex terms like " average daily balance of {$1500.00} '' is somewhat difficult in the very first 90 days. But Hancock Whitney customer service was not willing to budge at all. Hancock Whitney customer service is not at all approachable via phone - very long wait time. 

On or about XXXX XXXX, Hancock Whitney charged {$12.00} fees for not having {$1500.00} average daily balance for that statement period. Customer is not having any access to average daily balance tool and i also pleaded to waive off for the first 90 days.
Product: Credit reporting or other personal consumer reports

I tried to communicate this matter with to get this account remove from my report in XXXX XXXXI 've called numerous times to this revolve this issue the company has continuously violated my rights as a consumer. Which had hinder my ability to extend credit, worship God and provide purchases for my family and household use. These violations has also affected my XXXX XXXX, self esteem, performance on my job and my duties as a mother. I also have done an ETF report which will be updated along with this complaint. I have been delt with unfairly.
Product: Credit card

I received an unauthorized charge on my Macy 's credit card on XXXX XXXX, 2015 for {$25.00} in my statement. I called to inquire about the charge and was told it was a monthly charitable donation that was being charged to my account. I disputed it and informed them that I never agreed to nor signed up for this Macy 's charity. After being told it was removed along with it 's associated fees and it 's monthly recurrences it may take a XXXX billing cycles to disappear from my statement. After 60 days the monthly statement still is charging {$27.00}. I checked my credit report and it says I have an outstanding balance of {$54.00} on the Macy 's card, therefore lowering my credit score XXXX points. After repeated calls and asking for assistance from their customer service, I 've had no resolution. I have never in my XXXX years made XXXX late payment or paid XXXX penny of interest for that matter on any credit card. My credit is very important to me and I hope you understand this is the card issuers mistake and their disregard for concern is affecting reputable card holders. I am canceling this credit card to negate any future exploitative actions on their behave. Please advise me of my best course of action to recover my credit to it 's previous credit rating. 
Thank You
Product: Debt collection

XXXX allowed a fraudulent account to be opened in my name for the second time, despite a credit freeze and fraud alert in place with all 3 credit agencies. As I would not pay this fraudulent claim, XXXX raised the stakes to attempting outright extortion against me by denying me home franchise service, and then hired McCarthy, Burgess & Wolff to attempt an extortion collection. I had even resorted to filing a police report prior to McCarthy, Burgess & Wolff 's harassing calls. After many, many requests to both XXXX and McCarthy, Burgess & Wolf for an invoice or a debt validation letter, McCarthy, Burgess & Wolf for the FIRST TIME mailed me one this week. 

While I know all the information contained is 100 % false, I was shocked to see that McCarthy, Burgess & Wolf claimed amount does not even match up to the invoice amount! ( {$1800.00} versus {$1900.00} ) Also, almost comically, all of the invoices are 100 % in XXXXXXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted through dispute letter and vocal communication multiple times, both First Interstate Bank and XXXX. both blame each other for being unable to remove errors or delete incorrect accounts. First Interstate Bank has verified dispute letters even though the information was incorrect, inaccurate, or incomplete. The information I am using is from an XXXX report which has been verified by First Interstate Bank. The XXXX Report is dated XX/XX/XXXX. The Confirmation # XXXX. The account from First Interstate Bank reported in the XXXX report is Account Number is XXXX. I contacted First Interstate Bank to obtain a payment history, they were unable to find the account or its history. The account was opened XX/XX/XXXX. There are many errors on this account. The XXXX XXXX is also blank and missing information ( Error 1 ). The Months Revd is XXXX  which for this loan is Incorrect ( Error 2 ). Amount Past Due is blank and missing information ( Error 3 ). The Date of Last Activity is Reported as XX/XX/XXXX, this is Incorrect ( Error 4 ). The date of Last Payment XX/XX/XXXX is also incorrect ( Error 5 ). The Actual Payment Amount is Missing ( Error 6 ). The Scheduled Payment information is missing ( Error 7 ). Date of 1st Delinquency is blank ( Error 8 ). Date XXXX XXXX XXXX reported is missing information ( Error 9 ). This account according to First Interstate Bank was opened XX/XX/XXXX with the last payment reported XXXX ( 2 years later ), Yet there is no payment history. The payment history is missing ( Error 10 ). by law FCRA Sections 609 and 611 require creditors and credit reporting companies to report information accurately and correctly. The account is to be deleted from the consumers report. This report has many mistakes.
Product: Credit reporting or other personal consumer reports

I wrote Equifax back in XXXXXXXX XXXX XXXX requesting that the accounts be verified. Equifax responded stating they investigated and the account were accurate and updated. After further investigation I discovered that the accounts are not reporting accurate information. Equifax did not investigate yet the incorrect information is still being reported. I wrote an affidavit of truth swearing under the penalty of perjury that the information being reported is not correct. I have exhibits backing my claim and I also wrote a letter describing the inconsistencies I found along with exhibits to back my claims. I also sent an invoice for the federal violations that I would like to be compensated for.
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit report. It stated that the source of the credit inquiry was the credit inquiries listed below. However, these inquiries were not approved by me. Please REMOVE these questions from my credit report since they make it harder for me to apply for loans and get credit. Kindly forward any supplementary materials you possess about this inquiry. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On the XXXX XXXX unauthorized transactions were made on my account i immediately went to in app chi, ensupport and informed the while the transactions were still pending they actually told me they had canceled the transactions and they would be returned to my account when the transactions were done pending. I even texted chime support to make sure and they reasurred me it was canceled. To my shock the XXXX dollar charges went through I immediately reached back out and apparently the cancelation never even happened and was just a mere attempt to shut me up. I was informed I needed to call to dispute. That I did, I provided all the documents of the merchant closing my account in XXXX and even a chime support agent telling me my account had been logged into on the XXXX on a separate device. I'm out of XXXX dollars right before my rent is due and chime didn't even fight for my money or contact the merchant
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been long over time due with this on going investigation and your company havent fixed the inaccurate erroneous items that was placed on my report. As of today I was laid off of my job due to a credit decision after a meeting of a yearly evaluation. My boss gave me more than 6 months to fix this situation but in your end you didnt fix the errors so therefore I am not employed at this current moment. My job consists of good history and a probation period which we as employees must meet the criteria and agenda for this job. I decided to file a lawsuit and take legal actions for the damage you have cost me. I have file an FTC complaint and the number is XXXX. We are schedule for litigation and a hearing in XXXX. I have filed a lawsuit against your company for the apparent reasons of violating my rights as a consumer which your company allowed identity thefts to misuse my credit file. I asked more than 6 months ago to prove to me and show me that the inaccurate erroneous accounts and inquiries belong to me and I havent heard from you since. I have filed several internal disputes and at this point Id rather take it to court. This assures me that this situation will be seen by a judge in a court of law where I will receive justice. You violating the FCRA sections 609 represents how poor of a company you guys are and how you maintain false information and placed erroneous information onto consumers credit profile which by the law is a major problem. I have all rights as a consumer to dispute and I am aware of every law and sections that youve violated in the FCRA. The account that is reporting as erroneous information is as followed : A - 1. XXXX XXXX XXXX XXXX B -Inquiries : 1. XXXX XXXX 2. XXXX/XXXXr 3. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

I called into the XXXX office on XX/XX/XXXX where I signed the contract for the financing and spoke to the finance officer that had me sign the contract. He was clear that there is no other interest amount accrued because I had made both XXXX and XXXX payments on time ( XX/XX/XXXX, XX/XX/XXXX ) and that my two on-time payments in no way should have caused my account to have a higher balance than the {$11000.00} starting amount. There are no late, remaining, other or delinquencies showing. 
It was also previously mentioned ( XXXX ) that the increased and exceeding balance reported to the credit bureaus of {$11000.00} is because there was accruing interest added to the balance of {$11000.00} and in my research that confirmed what I already knew, the balance amounts reported to the credit bureaus DO NOT include interest. The same is true with my mortgage account and previous car account. In fact an Open Account should not show a balance that includes interest. I also checked with the CFPB and read the FCRA. The interest amount is only included in the payments. The balance is always a principle amount when reported to the credit bureaus. The same applies on my Lendmark Statements. It only reports the principle for balance amount. So that magnifies the mystery as to where did that {$11000.00} amount come from For this you have to look at Exhibit 1 ( attached ) which a snap of a downloaded section of my XXXX Credit report. Looking at Exhibit 1 the problem becomes obvious as you notice that there are two payments listed under XXXX and XXXX ( two months before contract due date ) that are {$430.00} for each of those months under Scheduled Amount The question became, why are there two scheduled payments entered for two months that no payment is due and right next to those two payment entries for the first and starting payment month ( according to the contract ) is a {$350.00} amount that is also showing an {$430.00} amount paid right above that scheduled {$350.00} amount. Then the next question is, why is a scheduled payment amount entered and not showing a paid amount but better than that why are there payment entries entered for two months that are not in the contracts start or first payment agreement. By agreement, it means that I signed a loan or contract document that indicted when the FIRST payment should be made on XX/XX/XXXX, but then the same company that should have the same signed contract has recorded two {$430.00} payments in the scheduled section of the credit reporting, that only proves that either the signed contract is being ignored or something else is going on. One thing for sure and has been confirmed, that {$430.00} amount was only supposed to be recorded for the month of XXXX and was my first payment amount and the {$350.00} amount entered as scheduled for XXXX should also be {$430.00} ( remove {$350.00} for XXXX scheduled payment entry it should be {$430.00} ) - that is according to the contract. The terms of my signed contract and whats on my monthly statements has been reported very different to the credit bureaus.
Product: Credit reporting or other personal consumer reports

Victim of identity theft. Report has been filed along with 605B. XXXX, Equifax, and XXXX have been notified twice about this matter!
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. 

I have enclosed a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : 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 : XX/XX/XXXXXXXX -- XXXX # XXXXXX/XX/XXXX # XXXX INQUIRIES : XXXX XX/XX/XXXX XX/XX/XXXXF XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 Equifax Information Services LLC 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 card

The Fair Credit Reporting Act ( FCRA ) allows the consumer to get a free credit report if an application is denied. However, the consumer can only get a free report from the credit reporting company that provided the report used by by th lender to make its decision. We were denied credit when American Express cancelled our account. Under law, American Express should have properly provided instructions for us as to how to request our report from XXXX or from XXXX or more of the other national credit reporting companies upon which American Express relied in its decision to not reinstate our account, which is legally of the same significance as an application for credit being denied and is therefore subject to this legal requirement. American Express has not done this. Furthermore, our account was cancelled in retaliation for us exercising our legal rights through FCPB. Our account was never charged interest, and all late charges were reversed. This shows we were never late, and the truth is we had a valid dispute that was never properly investigated. All we ever asked for was a line by line reconciliation of a total that was greater than actual charges that we made. We said over and over again that if American Express could show us what we owed and where the charges were, we would gladly pay them for these charges. We did dispute as well an unauthorized charge, which American Express paid, refusing to honor our wishes. We also believe American Express closed this account wrongfully so it did not have to pay out on our rewards points, and but for the crediting of the account of the late charge days before their closing of the account ( an admission we had a valid legal dispute ) we would not have made certain substantial charges on the account, and would have used cash instead. Also, it seems the complaint I made about this same thing on XXXX/XXXX/2015 has disappeared from this complaint process, and it was not a double complaint -- it was a first on the above subject.. So what happened to my complaint of XXXX/XXXX/2015? And XXXX more thing, the only way I ever get a response from American Express is through their response to this complaint process, and as you can see they state my letters will only be filed and not responded to by American Express -- proof again that American Express has refused to give us any answers about the fraud in this account from which they have benefited directly through collection thereon.
Product: Credit card

XXXX friends and I were booked on a XXXX XXXX XXXX. Because of low water, XXXX XXXX XXXX refunded our money to my credit card. The total amount refunded was almost {$22000.00}. Viking transferred the funds on XX/XX/XXXX and XX/XX/2015. On XX/XX/XXXX I requested a wire transfer of the credit balance to my bank account. On XX/XX/XXXX I again requested a wire transfer. As of today, XX/XX/XXXX, the credit balance is still not in my checking account.
Product: Mortgage

I was a Wells Fargo customer and had a mortgage and auto loan account between XXXX and XXXX, and qualify qualify for damages as harmed by illegal activity, and a wrongful foreclosure. I have reached out to Wells Fargo and they day they have no record of my mortgage, however I spent close to seven years fighting them on a wrongful foreclosure in the state of Florida until XXXX. I ultimately lost my home and XXXX XXXX XXXX  of dollars, in addition to having to pay triple the normal interest rate on car loans and a future mortgage. Please help! 

I have attached 1 ) the letter that says they have no record of the account 2 ) payment history ( see page 3 for Wells Fargo ), and 3 ) response to summons for foreclosure action.
Product: Credit reporting or other personal consumer reports

My account with XXXX, XXXX, XXXX & XXXX was never late! I have had exceptional payment history witH 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 60 days 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 & 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 XXXX
Product: Debt collection

Notice for Proof of Claim Account : ARS ACCOUNT RESOLUTION XXXX XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.