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

My account with M & T Bank was opened on XX/XX/XXXX. I was told that after XX/XX/XXXX, checks I deposited would no longer be held for 5 business days. On XX/XX/XXXX I deposited my payroll check, which was available the next business day. Since that went through fine I figured I was okay to transfer, via check, money from a separate account I own, but had lost my atm card for. These transfers were time sensitive because my daughter is supposed to be having XXXX and I needed access to those funds to pay for it. On XX/XX/XXXX I deposited a {$1000.00} check. I was told {$250.00} would be available immediately and {$750.00} would be available the next day. So on XX/XX/XXXX when the funds weren't available I called and was told that there was a 1 business day hold and the funds would be available on XX/XX/XXXX. Believing that, I wrote another {$1000.00} to transfer more money from my other account. Based on what I'm STILL seeing online {$250.00} would be available on XX/XX/XXXX and the balance 1 business day later. 

This morning I woke up expecting to see a balance of about {$1000.00} in my account. So when I looked and there was only {$1.00} I was deeply worried. I immediately called M & T Bank where I was told that a 4 business day hold was placed on these checks. Now, per their OWN funds availability documents, they are to notify when a hold is placed. I received no notification. Not a call, not an e-mail, even my online account STILL shows that these checks should have cleared by now. But instead I had to put off my daughters XXXX yet again, while M & T secretly changes hold dates with no notification to me. 

Additionally, something I find troubling. Late at night when I was checking my account, it was showing as - {$990.00} overdrawn. I have NEVER been overdrawn by that kind of money. The most I was ever overdrawn was {$5.00} when I forgot about atm fees. And immediately resolved the problem by depositing cash into the account. 

I also received a notice on XX/XX/XXXX via M & T website that was a Notice of Insufficient Funds. Again, they were showing my account hundreds and hundreds of dollars overdrafted when it's NEVER been overdrafted like that. 

I would like answers to why M & T is falsely sending these notices to make it look like my account is always in the negative and WHY they are holding my money with no notice to me, but making it look like it should be available on their website. 

When I called and spoke to a supervisor he basically said he'd reach out to the department responsible but that I wouldn't hear back from him until Monday because he was leaving the office today at XXXX. Not even an offer to have another supervisor reach out to me. Just ... wait til Monday. No concern for my kid who will now have XXXX pushed off yet again. Which is costing me money every time I rescheduled.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hand written and sent via XXXX  certified mail to remove companies that have reported misleading information on my credit report i demanded they re-validate this information and i have not recieved any information of these items being deleted under the section act 15 usc section 1681i these items need to be deleted immediatetly i will take legal action for extortion of my character to be able to have lenders extend loans to me and characterize me as not being able to pay back debt. 

I again demand these companies be deleted immediately and inquiries XXXX XXXX  # XXXX XXXX  XXXX  # XXXX
Product: Student loan

My complaint is how my PSLF has been handled throughout the XXXX to MOHELA transfer. I have submitted my PSLF forms to XXXX on XX/XX/XXXX. My payments stayed at 100/120 for the entire time even though I have uncounted employment eligibility from XXXX which should count towards my 120 payments. MOHELA is showing the same amount of payments. I called MOHELA and they state they are behind, but I have waited for them to count the XXXX payments since XX/XX/XXXX. Every time I call, they say that it's been escalated and that I should be well over the 120 payments. Please help!
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX has violated my rights. 15USC 1681 section602 States I have the right to privacy. 15USC 1681 section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions. 15USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Mortgage

On XX/XX/2018 Ocwen Loan Servicing provided a payoff for an investment property that I have had for approximately 11 years. The property was under contract and closed the first week of XX/XX/XXXX. I received a call from the closing attorney 's office in late XX/XX/XXXX indicating there was still a lien against the property and that I needed to pay the balance. I was told by XXXX XXXX XXXX, Paralegal XXXX, XXXX, XXXX & XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX, NC XXXX Phone : ( XXXX ) XXXX that she was filing a claim with the title insurance company to protect the interest of their client. I received a call and email from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX and provided her with the same information I provided to XXXX. In my multiple conversations with Ocwen I have been transferred to multiple dead ends to have the problem with the incorrect payoff resolved. It is my understanding, although I have no communication from Ocwen, that foreclosure proceedings have began against the property. The loan is currently reporting as a XXXX balance across all credit bureaus and yet I am continuing to receive emails from the title insurance company and today a derogatory email that I wasn't meant to be copied on from the closing attorney 's paralegal XXXX XXXX in which she referenced me saying, " He will try and feed you a bunch of you know what, believe little of what he tells you. '' I had assumed since there had been zero communication from anyone that this matter was resolved until today exactly 5 months since the closing. I have read about multiple complaints nationwide against Ocwen for the same problem. I do not owe a balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a Chapter XXXX Bankruptcy being reported on my credit reports. I contacted the Federal Court that report is showing and spoke to a clerk who advised they do not send documentation of verification to third party companies or credit agencies. She advised there is no personal information to verify this belongs to me such social security number, drivers license, date of birth or birth certificate. I asked the XXXX, XXXX and Transunion to remove this inaccurate bankruptcy from my report and advised it had been verified. But I did not receive any documentation proving this Bankruptcy belongs to me. Per the XXXX County Federal Courts they do not and have not verified any information of a bankruptcy that belongs to me.
Product: Mortgage

In XXXX had a financial problem, because of the decline in the economy I was not able to collect my income from my job. Over {$70000.00}. was owed to me and I could not collect it. 
I tried to pay whatever I could on my mortgage. They returned the payments that I made to me and put me in foreclosure. I hired two different attorneys to help me and have paid over {$6500.00}. plus {$1200.00} to the Trustee on a Bankruptcy that was incorrect. 
I now have a sale date on my home for XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX credit bureaus was dated but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX  XXXX Balance Owed : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

The list of accounts below has violated my federally protected consumer rights to accurate reporting and right to privacy and confidentiality under 15 U.S.C. 1681. This section states I have the right to privacy. Furthermore, Section 604 A Section 2 of the same statute states that a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 1681c ( a ) ( 5 ) Section states that no consumer reporting agency may make any consumer report containing any adverse item of information that antedates the report by more than seven years. Additionally, the Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies ( CRAs ) to have reasonable procedures in place to ensure that information they provide to third parties is accurate and up-to-date, as stated in 15 U.S.C. 1681s-2 ( A ) ( 1 ). Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) also states that 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On our about XX/XX/XXXX, I received a letter From XXXX XXXX XXXX Account Number XXXX, Vehicle - XXXX XXXX XXXX, VIN # XXXX, CFPB Complaint No : XXXX, stating that XXXX XXXX XXXX & XXXX XXXX were unaware of any pending lawsuit. ( see attach ). 
As of now, XXXX XXXX and XXXX XXXX XXXX is reporting the above account as a charge off with XXXX balance. Records indicate that XXXX XXXX paid off the Vehicle in Full and paid off all repossession charges. Therefore the record on the credit bureaus should show paid off in full, since the car was never taken to auction or sold publicly, but that part of XXXX Agreement was to pay off the vehicle repossession fees and free me of any liability concerning this vehicle. 

The second problem was that XXXX XXXX/XXXX XXXX XXXX claim they were not aware of any lawsuit that I had brought against the company, concerning the above vehicle which only goes to show that XXXX XXXX/XXXX XXXX XXXX did not do thorough investigation before submitting there response to CFPB.
Product: Credit reporting or other personal consumer reports

Account information is fraud. I reported to company account was open in my name while under XXXX  after having XXXX  XXXX1692d, provides that a debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. More specifically, 1692d prohibits [ c ] ausing a telephone to ring or engaging any person in telephone conversation repeatedly.
Product: Debt collection

Creditor reporting a debt that is not mine I believe it is possible that it belongs to someone with same name as mine. Attached is a person lookup that shows the person 's info as well as mine. I have disputed the account several with no success. 

I requested information given at time of credit application but was told they don't share personal information publicly.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Creditor has my account listed as only 33 % paid and i have paid this balance in full. They have not updated my credit report to reflect this in over 30 days and it is hurting my profile significantly. Under the FCRA, it is legally required to have accurate information and this is preventing me from moving forward with my Home purchase because of the impact on my utilization. 

My name Is XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit agency has noted that my credit score is lower than it could be simply because I refuse to take on additional debt in the form or credit cards or loan debt. That is completely counter intuitive and absurd. Penalized for having too little debt and to few credit cards.
Product: Debt collection

This debt was the result of identity. I do not live in XXXX MI I am a resident of XXXX TX. I have a relative that has a substance abuse problem who uses my identity without my permission. the collection agency will not remove this debt and will not send me documentation that this is my debt. they rely on a third party form to verify the debt.
Product: Money transfers

On Friday, XXXX XXXX, I scheduled a money transfer of {$450.00} through Western Union ( WU ) to my son in Oregon through the Wupay ( billpay ). On Monday, XXXX XXXX, money was sent by ACH from my bank account to WU. The money as advertised should arrive in 3 days on Wednesday, XXXX XXXX. The money did not arrive so I called WU. They said that they had n't received the money and to wait a few days but in the meantime they would escalate the transfer to research. I called at XXXX Friday, XXXX XXXX about the status and they said it was still not funded but it had been escalated and should just be a couple of hours. They left me a voice mail to provide them a confirmation number from my bank. I called back at XXXX, Friday, XXXX XXXX gave them the confirmation number and heard that the money still was not received but they assured me that it would be resolved because they resolve these within XXXX hours. I called them again on Saturday, XXXX XXXX because they said the money was still not received. The customer service supervisor launched a XXXX way call with my bank and got the ACH transfer code. I was on the phone with them for over 2 hours. As of today, Monday, XXXX XXXX, it appears they did receive the money on Monday, XXXX XXXX but my son still does not have access to the money. Here is the recent email : Dear XXXX, I hope all is well. 
Your payment was received on XXXX. We sought the assistance of our escalations team to allocate your payment to the order. We had a technical issue that was identified and in the process of fixing it. We will notify you once response is receive. We do apologize for the inconvenience. 
Should you require further assistance please do not hesitate to contact us. 
Best Regards, XXXX XXXX, Customer Care OperationsXXXX Regional Operations Center -- -Basically, they have had my money for over a week. It is ridiculous that they kept putting me off like it was not their responsibility to figure out and should be paying me interest on that money.
Product: Debt collection

On XX/XX/2021, I called deliquent recovery to work out a payment arrangement on debt. I was told by the Judge and Attorney XXXX XXXX on XX/XX/2021 to work out a payment plan with the collection agency. On my paperwork Attorney XXXX notated for me to speak with " XXXX ''. When I called XXXX transferred me to " XXXX ''. I offered {$60.00}, {$80.00}, and {$100.00}. I explained to her that that's what I could afford. She started yelling at me and told me I was ridiculous and I better get out of the double digits. I explained that I was told to call and work out a payment plan. I asked to speak with XXXX XXXX she told me that he was in court and that he worked for them. I told her that my balance is XXXX and she told me my balance was XXXX. My paperwork has the amount, but she trying to make me pay more. Also, they are trying to make me pay for damages to an apartment, however, the landlord could not provide pictures of the damages. I dont agree to having to pay for something that could not be proven. She said she was going to garnish my paycheck and hung up the phone.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following item ( s ) to be errors. See the attached copy of my credit report ; the errors have been highlighted. Here as follows are items in error : XXXX  XXXX XX/XX/year> {$2000.00} By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this investigation within XXXX  days of receipt of this letter. 
Thank you for your time and help in this matter.
Product: Credit card or prepaid card

I strongly request that you update my account to accurately reflect my payment history.
Product: Credit reporting or other personal consumer reports

My personal information was involved in a data breach. According to the Fair credit reporting act Section 609 ( a ) ( 1 ) ( A ) and us code 1681e, you are required by federal law to verify through the physical verification of the original signed consumer contract- any and all accounts you post on a consumer report. Otherwise, anyone paying for your reporting services could fax, mail, email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. I demand the accounts to be removed immediately. This is causing many difficulties in my life. PLEASE REMOVE 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 ** please remove accounts immediately**
Product: Mortgage

I had XXXX mortgage loans with chase bank. Some time ago I experienced hardships paying those mortgages so I went about filing for a modification on those XXXX loans. I was approved for a modification through a chase program for the XXXX loans. Turns out in the interim of chase modifying my mortgage they sold off the smaller loan, so the modification was in jest only for the XXXX loan ( which it lowered the total amount, not by much but some ). I did n't find out that chase had sold off the smaller loan until the company contacted me, and this new company ( considering it 's my XXXX mortgage ) is not willing to do any modifications and I do n't qualify for the harp program. My question is if I started off modifying both loans with Chase why is it that they decided to sell off the smaller loan, I was under the assumption that the modification program was to help " regular people with hardships ''. I believe that Chase had no intention of modifying the XXXX loan from the very beginning. Now I am dealing with the same payment on the XXXX loan as I had from the very beginning ( I took out the loans in XXXX ) If Chase is not going to be held responsible for dealing with my XXXX mortgage what options do I have with dealing with this other company?? The XXXX mortgage company name is XXXX XXXX XXXX and is definitely not user friendly!!
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ). 



1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner.

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Utah XXXX. 

XX/XX/XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

Hello, I noticed that my credit report has items that have resulted from fraud which I never benefitted from.This is a defamation of my character and is incredibly insulting, my rights are being violated which is absolutely distressing. This is already reported to the Federal Trade Commission but it still appears on my report, what a disappointment, the very thing that exists to protect people like me yet nothing is resolved.
Product: Credit reporting or other personal consumer reports

Applied for an apartment got denied because of fraud alert Remove wrong I have been trying to figure out what is wrong for over a year I complained to Lexisnexis Nothing is working Im contacting the attorney generals office and hopefully they will help me Also my driving record is sealed. Why??? 

There is so much incorrect information on my credit report but my biggest concern is the fraud alert Remove wrong I dont understand what is going on I cant get approved for anything Meanwhile I havent had a credit card since 2016 What is going on
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified accounts that are reporting late payments inaccurately and I want to dispute the inaccuracy of these accounts. I have contacted the companies related with these accounts, and they have confirmed that the late payments were errors and have agreed to update my accounts and take off the late payments. I would like to convey to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly petition that you update my credit report to reflect these corrections. I believe that you are required to conduct a sensible investigation into disputed items. I request that you look into this accounts promptly and make the essential corrections. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX