23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

Ive been a comprehensive business customer for 8 years for M & T Banks. On Thursday XX/XX/XXXX our {$500000.00} business line of credit was frozen without advance notice. The businessI received no disclosure. It was converted to a termed loan whose terms have not been shared, despite multiple requests for information ( requested XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Including today ( XX/XX/XXXX ). The first payment is due XX/XX/XXXX. Worst, all of this is due to an internal diligence mistake by which our relationship managers shared inaccurate XXXX performance data. 

M & Ts decision to convert my LOC and freeze access without notice to me had immediate consequences for my business. The lack of disclosure is especially concerning. Vendor invoices and employee healthcare premiums were linked to this account, and charges for both which were posted on XX/XX/XXXX did not clear. 

Pertinent information : XXXX. This business has never missed a payment of any kind - loan, LOC or otherwise- with M & T Bank. 
XXXX. The lack of disclosure or any formal communication has been called a perfect storm by M & T bankers in both a call and email called our lack of communication a " perfect storm '' both attached. 
XXXX. M & T Bank never requested updated XXXX financials prior to freezing the LOC. 
XXXX. M & T Bank cited XXXX years in losses for the freeze ( see attached conversation ). XXXX the business was profitable, {$300000.00} cash positive. XXXX is the only year showing a loss due to capital expenses. 
XXXX. Health of the business : XXXX. Positive balance sheet of {$200.00}, XXXX XXXX. XXXX in Q1 revenue - comparable to XXXX, XXXX and outperforms XXXX- which net {$300000.00} in income. 93 % of which ( historically ) comes in Q4. 
XXXX. Email to CEO ( XX/XX/XXXX ) and head of XXXX explaining major issue. 


Attached please find : XXXX. Initial emails and texts the day of to M & T. General distress outreach. Zero context in M & T responses. Attachments : XX/XX/XXXX comms, day of comms, day of comms XXXX, M & T Text - bank XXXX. 
XXXX. Questions with no response sent XX/XX/XXXX. attachment XXXX questions. 
XXXX. Rejected charges communicated to M & T Bank. Attachment : XXXX email rejected charges XXXX. XX/XX/XXXX First conversation with bank, 4 days after actually freezing LOC. Attachment is too large but conversation is recorded. 
XXXX. XX/XX/XXXX questions sent to bankers and banker asking for our patience and calling our communications a " perfect storrm '' attachment : muscato email m and t bank, XXXX XXXX. XX/XX/XXXX email sent to CEO. Attachment : CEO Email This is still without a resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed information on my credit report that is not mine or inaccurate and you continue to ignore my rights as a consumer.I have not been able to get approved for anything, and that really hurts me and my family.You are supposed to conduct a reasonable investigation on items presented to you by consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a full payment to my Walmart Credit Card and my credit score did not increase because it still showed the full balance remaining on my credit score. I feel this is fraudulent and needs to be reported so it dont happen again
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX   XXXX  XXXX  XXXX  XXXX  XXXX XXXX  XXXX XXXX XXXX   XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XXXX  XXXX   XXXX  XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX. XXXX  XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXXXXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I started the process with Cardinal Financial XX/XX/2020. I submitted all the necessary paperwork as I work for a mortgage company myself. The week before I was supposed to close I was asked for documentation. I was reassured I would close on time. The week of my closing I was left in the dark as to the status of my loan. Fast forward today, 2 days after closing they had all the information they needed weeks ago. I am losing the house and my earnest money {$5000.00} as no one gave me straight answers. I received nothing. I can determine I was discriminated against as I am also an Underwriter which makes over six figures. I believe due to the nature of my employment also being the same position as the person whom reviews my file created unnecessary bias and discriminatory action. I was asked for items the investor whom purchases the loan would not need. I provided XXXX XXXX XXXX guidelines to support the lack of validity to the request. 
I have no other option. My family will be homeless as we were mistreated in this process. I also believe due to the XXXX of my skin, a XXXX of XXXX I was treated with lack of respect and not given direct answers as to the status of my loan. I have the evidence of being treated unfairly possible redlining as I was purchasing in an area with lack of diversity. I informed the key players I will lose my earnest money, out of a home etc by XXXX today. As I write this letter it is XXXX on XX/XX/2020 with no response or status update on my loan.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally dispute certain inaccuracies present in my credit report. Upon reviewing the report provided by your bureau, I have identified several discrepancies in my personal information that require immediate attention and correction. The ONLY information that should be listed in any of my files are the information as follows : XXXX XXXX is the ONLY name that should be listed. I have not and do not go by any other names or spellings. 

My SSN should be listed as XXXX My Date of Birth is XX/XX/1977 All other dates and variations are incorrect and should be removed. 

My address is XXXX XXXX XXXX, XXXX, Ohio XXXX. All other addresses are incorrect and not valid as per the law, they are undeliverable to me by the USPS. 

I do not have an employer therefore I demand any employer listed to be removed! 

I do not want my phone number to be listed. 

I have enclosed copies of relevant documents that support the accuracy of my personal information, including but not limited to my driver 's license, and a utility bill to substantiate the correct details. 

Furthermore, I would like to emphasize the importance of rectifying these inaccuracies promptly, as they have the potential to impact my financial standing and creditworthiness adversely. 

According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility as a credit reporting agency to ensure that the information contained in my credit report is fair, accurate, and up-to-date. Therefore, I kindly request that you conduct a thorough investigation into these discrepancies and take the necessary steps to update my credit file accordingly. 

Additionally, I would appreciate regular updates on the progress of this dispute resolution process, including any actions taken or findings discovered. 

Please consider this letter as a formal request for the correction of the inaccuracies mentioned above. Your prompt attention to this matter is greatly appreciated. 

Thank you for your cooperation and understanding. Should you require any further information or clarification, please do not hesitate to contact me at the address provided above. 

Sincerely, XXXX XXXX Enclosures : Copy of Driver 's License Copy of Utility Bill
Product: Credit card

I never filled out an application or spoke with anyone at CareCredit. I still haven't ever talked to them. The application was filled out in my doctor 's office and was handed to me to sign after the procedures had begun. I was never given an advanced warning in writing or verbally about what the total costs of my procedures would be. When I received the first bill it was for the sum of {$13000.00}. I was told I was approved for the loan amount by someone in my doctor 's office. I am struggling to make the minimum monthly payment of {$400.00} as my sole source of income is my monthly social security check. I feel that at the age of XXXX, I was taken advantage of not only by Care Credit but also by my doctor 's employees and the doctor himself. I also feel that the procedures that were charged were not proven to work nor have they worked for me. I have made payments with borrowed money so as not to ruin my credit. I never received a breakdown from the doctor 's office in advance or after the procedures were done.
Product: Debt collection

As of XX/XX/2020 This is to inform you that I've recently pulled my credit report and noticed that there's a collection listing from your agency on my credit report. I have never been notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. 
I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt. 
I hope you are aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 
Please attach copies of the following documents : Agreement with your client that authorizes you to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor where he promises to pay the original creditor. to prove that the amount you wish to collect is accurate. 
Sincerely, XXXX XXXX XXXX As of XX/XX/2020 The creditor and/or XXXX  has not been able to prove or show any evidence of any charges being made in my name. We have sent in numerous requests to ask for any documentation that you may have, and have yet to see anything. We demand that you remove these charges immediately! The next step will be to take legal action against the Creditor as well as " RM GALICIA/PROG MGMT SYSTEMS '' that has not responded or shown any proof at all! Please attach or send copies of the following documents : Agreement with your client that authorizes you to collect on this alleged debt. 
Agreement that bears signature of the alleged debtor where he promises to pay the original creditor. to prove that the amount you wish to collect is accurate. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. This creditor has violated my rights. Under the 15 usc 1681 Section 602 states that I have the right to privacy. 15 usc 1681 section 604 A section 2 also states that a consumer reporting agency can not furnish my account without my written instructions. Under the 15 usc 1666B a creditor may not treat a payment under an open consumer report account as late for any purpose.
Product: Credit reporting or other personal consumer reports

! account number XXXX! Subject : Dispute of Fraudulent Credit Card Account Pursuant to 15 USC 1681i Dear Sir/Madam, I am writing to formally dispute a fraudulent credit card account that has appeared on my credit report, as reported by your agency. This dispute is being made under the provisions of 15 USC 1681i, which governs the correction of inaccurate or fraudulent information on consumer credit reports. I have recently become aware of an account listed on my credit report that I believe is the result of identity theft. The details of this fraudulent account are as follows : CREDIT CARD! 
! Date Updated XX/XX/XXXXXXXX Last Payment Made XX/XX/XXXXXXXX Date Closed XX/XX/XXXXXXXX 
XXXX XXXXXXXX XXXX Name : XXXX Date of First Delinquency : XX/XX/XXXX I did not open or authorize this account, nor do I have any knowledge of the transactions associated with it. This fraudulent account is negatively affecting my credit score and my financial well-being. In accordance with 15 USC 1681i, I am requesting that you conduct a thorough investigation into this matter and take the following actions : 1. Verify the accuracy of the account information. 2. Determine the origin of this fraudulent account, including how it was opened and by whom. 3. Remove this fraudulent account from my credit report as it is not a legitimate account associated with me.
Product: Credit reporting

XXXX XXXX XXXX IS REPORTING XXXX ACCOUNTS LISTED FOR A XXXX WHICH IS NOT ME. YET THEY KEEP REPORTING ON MY CREDIT REPORT WITH EXPERIAN. I HAVE FILED A POLICE REPORT AND NEED THIS INFORMATION CORRECTED IMMEDIATELY. 

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

I appreciate your taking the time to DELETE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX sold my account to XXXX XXXX in XXXX at that time the balance was {$15000.00}. We were negiotaing a the loan be re written as a home equity loan. Coincidence or not that decided to not return our phone call when the market crashed in XXXX. We short sold our home XXXX XXXX. XXXX HAS BEEN HARASSING US FOR 6 YEARS NOW. The most recent amount they claim we owe is {$54000.00}!? They continue to report this every year. Is this legal? It will be XXXX years XXXX XXXX. They claim they will keep reporting this until the debt is paid in full. Please assist me on how we can assure this happens. We already lost our home and now have to rent until this gets removed. We are not even being considered due to their reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX have already removed a old debt that is over 7 years old but equafax will not
Product: Credit reporting or other personal consumer reports

I am submitting this complaint against Transunion regarding inaccuracies in my personal information as reported in my credit report. 


Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX XXXX, but it is incorrectly listed as XXXX XXXX on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXX XXXX XXXX XXXX, FL. XXXX, while my credit report shows an outdated address of XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XXXX. I request that my current address be updated accordingly. 




Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license and Social Security displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Checking or savings account

Hello, I recently have encountered an issue with Citi bank here, I recently had my direct deposit hit on XX/XX/18 I had enough funds to cover my payment to XXXX XXXX for XXXX however Citibank decided to return payment because my dispute was closed.which is not fair my credit dropped XXXX points thanks a lot Citi bank.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, All student loans under my SSN were transferred from EdFinancial to XXXX as part of the forgiveness process from the United States Government for my service to my country. In XX/XX/2023, While the other XXXX Credit Bureaus were correctly reporting all my students, XXXX continued to reflect EdFinancial on my credit report. I immediately reported a dispute on my credit report, only for XXXX to report that EdFinancial reported the account as accurate. 

I got into contact with EdFinancial, who immediately reported that there was no account under my XXXX and that XXXX was providing me with an incorrect Credit Report from XX/XX/2023 to the present time. 

Since XX/XX/2023, I have provided XXXX with Sufficient Documentation from EdFinancial and the US Government that shows I have no student loan debt. However, they continue to report the XXXX accounts under my name and XXXX, hindering my ability to purchase a home or car at affordable rates due to my credit score being impacted as a result.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, account number XXXX is appearing on experian, transunion and equifax credit reports.The problem is not that I quit paying in mid XX/XX/XXXX, the problem is the extenuating circumstance regarding the responsible party, my ex-husband.My husband the typical breadwinner abandoned me with 3 small children in late XX/XX/XXXX.I was a stay at home mom with only a part time job.Everything financial was dependent on my husbands income ... he just left us.I tried to make payments as long as I could but I couldn't feed the kids and keep a roof over our heads. 
I got divorced for non support and abandonment.Even though my husband had access to the credit the card was in my name.I can't go after him for the money even though the debt was his responsibility to me.This debt is now 4 and half years old and I'm trying to make a fresh start, I am trapped like a co-signer.Could this account be deleted because the responsible party is my ex-husband.I am becoming stable now and would hope to be able to recover to do business with XXXX   in the future .
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because the bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify my accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly " delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Vehicle loan or lease

The car was repossession the amount own on the car was around 9600.00 dollars the car was sold buy the company for 4800 dollars and it was applied to the amount of 9600 even know the 4800 with to the 9600 my credit report have not changed after calling and writing the.
Product: Credit reporting or other personal consumer reports

I am challenging the account being furnished on my credit report with the account number XXXX. Experian, XXXX, and XXXX failed to conduct a proper investigation and remove this inaccurate account. XX/XX/2022, the account XXXX XXXX XXXX was placed with XXXX XXXX XXXX for further collection. I am confused why there is a balance reporting for the account XXXX when this debt was sold and is no longer with XXXX XXXX. This debt is passed the statute of limitations in the state of Texas and is uncollectible. You may contact XXXX XXXX Attorney from XXXX at XXXX if you would like to discuss the details of the account. You failed to report this account according to FCRA regulations and I am demanding that this account is removed from my credit report.
Product: Credit card

In XX/XX/XXXX, I applied and was approved for the CitiBank Double Cash credit card. I did not use this card until XX/XX/XXXX. The credit card had a {$6800.00} credit limit. In XX/XX/XXXX, I used the credit card to cover the repair cost for my vehicle. Within one week of the transaction, I received an email from CitiBank informing me of the decision to reduce my credit limit to {$940.00}. The repair cost was {$910.00}. This decision drastically increased my credit limit usage ; therefore, negatively impacting my score. Because of this decision, my credit score dropped to XXXX from XXXX. My credit score is now deemed poor severely impacting any further chance of affordable lending options.
Product: Debt collection

There is a charge for {$68.00} from XXXX XXXX XXXX on my credit report and the collection agency is Grant Mercantile Age for XX/XX/2013. 
I was not at that medical group in XX/XX/XXXX or XX/XX/XXXX and was out of town on business. 
This is erroneous billing and needs to be removed from my Credit Report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Social Security # was used to apply for credit without my consent or my authorization and I reached out in the past on older inquiries and those still exist alongside the new ones. I've included a Dispute letter with all Three Credit Bureaus addressed.