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

On XX/XX/2021 I attempted to cash a USPS money order on my account at M & T Bank, XXXX, Maryland. I have submitted a complaint about the indefinite hold on my funds. 

This complaint is to address M & T Bank 's patently false and misleading statements regarding the availability of my funds in its offensive written communications, its app and website. 

Although I deposited a USPS money order, my funds are being held indefinitely while M & T treats me as a criminal and does a " fraud '' investigation. Yet, on both the app and website it states that my funds are available. They are not! This is patently false and misleading as nobody can tell me when my funds will be available. Moreover, I received an extremely offensive letter from M & T misinforming me that my funds would be available in five business days. 

Ironically, while treating me like a criminal, M & T is actively providing false and misleading information about the availability of my funds on its app and website.
Product: Debt collection

This a medical bill that my health insurance should have paid and after months of arguing with Insurance company and collection I agreed to settle with the collection agency, I have ask them repeatedly to delete entry from the credit agency and they refuse, I am sick and tired of collection agencies acting like they can ruin peoples life, without any consideration, some consumers are used by the medical/Doctors over billing of insurance companies, and insurance companies under paying and leaving large balances to consumers
Product: Credit reporting or other personal consumer reports

I am writing to provide a follow-up on my previous attempts to remove fraudulent items from my credit report. Despite my several efforts, these inaccuracies persist, and I am compelled to seek further assistance in rectifying this matter. 

I have submitted disputes, provided documentation, and engaged with the relevant creditors and credit reporting agencies to address this issue. However, to my dismay, the fraudulent items continue to negatively impact my creditworthiness and financial standing. 

This ongoing issue has caused significant distress and uncertainty. It is crucial that these inaccuracies are promptly corrected to ensure the fair and accurate reporting of my credit history. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. It is essential to restore confidence in the accuracy and reliability of information reported on credit reports. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX Balance : {$330.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX XXXX Balance Owed : {$2000.00} ; XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX ; XXXX, XXXXXXXX XXXX  ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$1500.00} ; XXXX  XXXX Balance Owed : {$2000.00} ; XXXX XXXX Balance Owed : {$590.00} ; XXXX XXXX XXXX Balance Owed : {$81.00} ; XXXX XXXX Balance : {$330.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting

Experian is not reporting my XXXX XXXX Visa ending in XXXX and my XXXX XXXX Master Card ending in XXXX.
Product: Credit reporting or other personal consumer reports

I ran my credit report on Annual credit report for all 3 company 's and discovered Identity Theft occurred. I was not able to download my Experian and XXXX report b/c of technique issues I was having. I found I have an unauthorized account that was recently charged off to collections named XXXX  XXXX opened on XX/XX/2022 and charged off and sent to collections for the amount of {$3700.00}. ( see attachments ) I was only able to down load the XXXX Report but it does not show the loan from account services. 

I need to do a credit freeze, and dispute the loan that is on my credit report. I also need my full credit report from all 3 companies b/c they are all showing different things. I am a victim of Identity theft and need to resolve this asap but I am unable to do anything b/c I can not speak to a real live person and I am locked for not having the correct information when requesting it from the other 2 major credit agencies. 

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

I'm XXXX XXXX, and I appreciate your taking the time to delete some of the information in my credit file ; however, there are still other accounts that need to be corrected or deleted. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected. 
XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXXXXXX XXXX Balance : {$4500.00} XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX  ) XXXX Balance : {$1300.00} XXXX XXXX XXXX Balance : {$2200.00} XXXXXXXX XXXX  XXXX Balance XXXX {$600.00}
Product: Debt collection

In XX/XX/year>, I submitted a self-attestation from an XXXX in accordance with the fair credit reporting act to have items removed from my credit report. This credit reporting agency has not removed the items without sufficient reasoning.
Product: Checking or savings account

I opened XXXX checking and saving account on XX/XX/XXXX under the promotion of {$400.00} sign on bonus with USD XXXX deposit on combined checking and saving account. 
I met the requirement on XX/XX/XXXX, but still have not received the {$400.00} bonus so far. I have contacted Citi customer service multiple times : On XX/XX/XXXX, I contacted Citi customer representative XXXX, through live chat, he confirmed that I met the sign on bonus requirement on XX/XX/XXXX, and I should receive the bonus 90 days after that. Attached please see my chat history with XXXX On XX/XX/XXXX, I still didnt receive the bonus, I contacted Citi customer service again by phone, was told that the bonus has been entered into the system, and I should receive the bonus in two month on XX/XX/XXXX I still have not received sign on bonus until now.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I have called three times to verify the extra I pay each month is going directly to principal. The first time in XXXX I was told I had to make a complete payment of {$910.00} in order to reduce my principal and that the extra {$38.00} I pay each month goes to the next payment. I was told they could correct the last 6 months and that I would need to call each time. I called again in XXXX and was told the extra {$38.00} that month would go to principal. I called today, XXXX, and I was told all of my XXXX payments have had the {$38.00} applied to the next payment. I have " overpaid '' {$640.00} that should have been applied directly to my principal. In addition while researching my loan my payment history shows a loan balance of {$40000.00} as of XXXX. My copy of the finance agreement I signed on XXXX clearly shows I financed {$40000.00}, a difference of {$170.00} in Hyundai 's favor. I asked about that today while I was on the phone with the representative, but she stated she doesn't see that amount. My question is why do I see that amount if that amount doesn't exists. I printed off my payment history on XXXX, so it shouldn't have changed from yesterday. I have hard copies of my finance agreement and payment history I can submit.
Product: Credit reporting, credit repair services, or other personal consumer reports

They never acknowledged that my identity was stolen when I called in and told them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried in many occasions and in different forms to contact the credit bureaus XXXX, XXXX and XXXX to request an investigation of inaccuracies and incomplete information on accounts that are untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility.. according to the FCRA they are required to promptly DELETE all the information that is inaccurate, incomplete or which can not be verified accordingly. Im now enacting my consumer and civil rights to compel you to annul with permanent deletion of the derogatory accounts allegations are either untrue, unverified, incorrect, incomplete, untimely, not mine not my responsibility. the accounts in question are as follow : Bank of America Account XXXX Bank of America Account XXXX XXXX Bank Account XXXX XXXX Bank Account XXXX XXXX Account XXXX
Product: Credit reporting or other personal consumer reports

My account with Experian was never late! I have had exceptional payment history with XXXX XXXXXXXX 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 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.

Experian 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: Money transfer, virtual currency, or money service

On XX/XX/XXXX a Zelle payment was sent out in the amount of {$1100.00}, and I was promised a product. Days have gone by and I havent received shipping or tracking so I contacted the merchant and asked questions, in the process of asking they informed me that it will be sent out so I waited and never gotten anything. So tried to contact my bank and let them know what was going on, they told me because it was a Zelle transaction my funds wouldnt be able to be retrieved. Till this day I never gotten anything from the company or my bank. I still want my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN is breaking the law, the account named XXXX XXXX that appears on my credit report has the wrong creditors name, the account was sold to a different lender and I disputed this account with them telling them about this problem, I also told Experian to either fix the problem or delete the account since it is not 100 % accurate. XXXX XXXX  does not own the XXXX XXXX account any longer, I know this for a fact because I have contacted them about it. Every single time that a dispute is opened on this account, Experian updates the account, I want Experian to follow federal law and stop lying to me about contacting the creditor and saying that the account was verified as accurate, when I know that is not true. Either Experian deletes the account or I will contact an attorney so that I can get this matter resolved. What Experian is doing is not right, they are lying and that is illegal and corrupt, do your job Experian, youre supposed to help me as the consumer and not lie about anything, I know that you people get paid for reporting information but common.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provide customers with the necessary proof of investigation
Product: Credit reporting, credit repair services, or other personal consumer reports

I've US Dept. of Education/XXXX  XXXX Delete this account because of 15 U.S. Code 1681i-Procedure in case of disputed accuracy, this account was once deleted then reinstated back on my credit with no evidence at all. I would like to know who furnished the information as accurate? This account was also deleted off XXXX and XXXX and was not reinstated. 

XXXX XXXX XXXX Delete this account because the date last active is reporting 2 different dates. XXXX date last active states XX/XX/XXXX. Equifax date last active states XX/XX/XXXX. This inaccurate information has been on my credit report for months. 


XXXX  XXXX Delete this account because the date last active is reporting 3 different dates. XXXX date last active states XX/XX/XXXX. Experian date last active states XX/XX/XXXX. Equifax date last active states XX/XX/XXXX. This inaccurate information has been on my credit report for months. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 


In regards to the Fair Credit Reporting Act law, 15 U.S.C. Sec. 1681i ( a ), these accounts must be deleted. I want these accounts deleted since they are not 100 percent accurate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please delete or remove these items on my behalf. 
These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and please let me know if you need any other information from me to block this information from my credit report. Thank you. 




XXXX XXXX Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXX Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Student loan

I was awarded the XXXX Loan repayment grant. I used a lot of it to pay ahead on my Private Loan to AES servicing. I wanted to be paid ahead 10-15 years on the private because my federal loans will be forgiven after 10 years. 
Well they now transferred my loan to XXXX, and now I lost all of that. 
I now owe a payment each month I was not anticipating paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union file number XXXX, XXXX XXXX  needs to provide 100 % complete and accurate verification of the documentation submitted to the credit bureaus to verify this alleged debt.
Product: Credit reporting or other personal consumer reports

I am current. Account is open with 1 payment remaining. I get a notification from XXXX that Sunbit reported my account as Charged Off/Bad debt. I contact Sunbit via Email, and received a response on XX/XX/year> that they are not going to correct it and they are closing my complaint. I replied and informed them this is wrong and I am filing a complaint with CFPB. No response from company. 

On XX/XX/year>, I received an email from Sunbit that my account could be charged off if they dont hear from me. I immediately responded and made a Promise to Pay for XX/XX/year>, my paydate. I received a response notifying me they will update the account and thanking me for the reply. 

I kept my word and paid to get current on XX/XX/year>. On XX/XX/year> Sunbit emailed me thanking me for payment and informing me I can manage my account online. 

Then on XX/XX/year>, I get another email stating my payment due XX/XX/year> is late and they are willing to work with me, they get it life happens it says. But I had already paid via debit card. 

On XX/XX/year> I get a email payment reminder that my payment is coming up. 

Clearly my account was not charged off, and not closed.
Product: Mortgage

In XX/XX/XXXX & XX/XX/XXXX, I received three ( 3 ) letters from Mr. Cooper ( to which I had been submitting my payments since XX/XX/XXXX since this entity had bought my mortgage ) threatening to foreclose on my property ; Mr. Cooper claimed to not have received my XX/XX/XXXX payment. 

Payments to Mr. Cooper were set on autopay through my bank 's XXXXXXXX XXXX XXXX ( as paper checks ) since it assumed my mortgage & prior purchasers of my mortgage without any issues. ALL payments were posted as expected, until XX/XX/XXXX, when I started receiving threatening letters from Mr. Cooper. 

On XX/XX/XXXX, I called Mr. Cooper & spoke to XXXX XXXX XXXX in XXXX XXXX. She stated : " payment might be internal '' & " we recently moved, but address is still valid ''. When I asked her to repeat that info, I was suddenly disconnected. Prior to being disconnected, she asked me to email proof of payment to XXXX. I emailed a cover letter & a list of XXXX XXXX 

On XX/XX/XXXX, I spoke with XXXX XXXX XXXX who claimed she did not receive my email, so I emailed a second time. She stated I must wait XXXX hours to get a response ; I told her that end of business on XX/XX/XXXX represented XXXX hours. 

On XX/XX/XXXX, I spoke with a rep from my bank who confirmed that " checks were not being cashed ''. 

On XX/XX/XXXX, I finally received an email from XXXX XXXX XXXX stating : " Due to the nature of your inquiry, additional research is needed. We have forwarded your request to our Research Team for further review. Please allow up to XXXX business days for a full review of your account to be completed, at which point, you will receive a letter of resolution detailing our findings and any necessary action ... '' I absolutely do NOT trust their research. I feel that Mr. Cooper is creating a scam situation, harassing & intimidating me, intent on stealing my property when I, in good faith, have been paying my mortgage every month as agreed! 

I DESPERATELY NEED your intervention into this extremely unfortunate situation : 1. Force Mr. Cooper to post four out of five checks previously mailed by my bank ( 1 check was a duplicate payment ) ; 2. Alert all persons holding mortgages with Mr. Cooper & other such " businesses '' of this scam ; 3. Retract any & all negative info sent by Mr. Cooper to credit agencies ; 4. Have Mr. Cooper cease & desist from mailing me unwarranted, threatening notices of foreclosure.

5. Advise as to further actions other agencies can take against Mr. Cooper for illegal business practices.
Product: Consumer Loan

The loan company made calls to my references when I was late on making a payment. They left a voicemail. In the message ( I have them recorded ) they mention who they are, that they are looking for me and to tell me to call his auto loan company immediately. So, my references then call me to tell me about how my auto loan company is looking for you. Then a few days later, they left me an automated message. The message basically stated ( XXXX ) that you need to pay your payment and to press one to speak to a LEGAL REPRESENTATIVE. This is flat out illegal, as these are not legal representatives. It just connects you back to the auto loan company. I also have a number of these recorded.
Product: Credit card or prepaid card

I was only browsing through the credit card benefits but never submitted an application. Chase checked my credit score without permission and kept sending documents to fill out the rest of the application, which was accessed by mistake. Although I asked them to cancel everything they did not follow through, and when I called the second time they denied application instead of acknowledging that this application never really has been submitted.
Product: Credit reporting or other personal consumer reports

Dear TransUnion I see that you verified the account listed below : XXXXXXXX XXXX XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXX : Account number : XXXX, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXXXXXX XXXX XXXX XXXX  : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXX XXXXXXXX XXXX XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXXXXXX XXXX XXXX XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

XXXXXXXX XXXX XXXX : Account number : N/A, Balance is wrong. It should not be that amount. It should be XXXX. The bureau code information needs to be fixed quickly. 

I just finished reviewing the FCRA and it stated that your company was supposed to respond to my disputes within 30 days. What happened? It also stated that if you can provide a timely response, the items in question must be deleted. I demand that you delete the items above ASAP. If you choose not to follow what the FCRA states, I will seek legal advice on this matter. Please send me an updated credit report with all items listed above deleted. 

I know you will do the right thing. Im just a person just like you trying to fix the inaccurate items on my credit report, but I will protect my rights if I have to. 

Please DELETE THE ITEMS ABOVE, AND SEND ME AN UPDATED FULL CREDIT REPORT AND NOT A PARTIAL REPORT. 

Have a nice day.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX The information listed below, which appears on my credit report, is the result of that XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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