23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am a senior citizen that did a loan modification during XX/XX/2019 with M & T Bank. I believe I was a victim of an unfair, deceptive act and practice of M & T banks loan servicing department. 
I was told by M & T that I would not receive billing statements right away, but that I should continue to make payments on my mortgage loan, and at some point they would provide me with mortgage billing statements containing the amount due and due date. 
Unfortunately M & T FAILED TO PROVIDE ME WITH BILLING STATEMENTS for the XXXX, XXXX, nor XXXX billing periods so my ONLY OPTION TO MAKE MY MORTGAGE PAYMENT was to call their customer service number and make a payment by phone. They waived the {$17.00} pay by phone fee for the XXXX and XXXX payments. 
However, when I hadnt received my XXXX billing statement by XX/XX/2019 I contacted their service department asking where my billing statement was for the payment due XX/XX/2019. Their customer service representative snidely told me I have plenty of time to mail my payment to them. How can I mail them a payment if they havent provided me with the XXXX billing statement? 
I called them back the following Monday XX/XX/XXXX and asked when I should expect my billing statement for the XX/XX/XXXX payment? They told me at first that my billing statement should have been sent and then informed me that they had not sent it per their records for some reason. XX/XX/XXXX comes which is 2 days before my payment would be late so I call them to tell them that I have not received my billing statement for the payment due XX/XX/XXXX. They tell me that I can make a phone payment, but that it will cost me {$17.00}. I asked them to waive it and they refused so I I had no choice but to make the payment by phone and pay the {$17.00}. 
I am requesting that they remedy the situation for me and that you look into their servicing practices for other seniors as there may be a pattern of deceptive and/or unethical practices. 
Please contact me if you have questions or if anything was unclear. Thank you!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and my information was leaked in the XXXX data breach. According to the Fair Credit Reporting Act ( FCRA ) Section 605B. It is illegal to report information on my credit report without my permission. Please remove this closed collection off my credit report within 4 days. Collection accounts : XXXX XXXX XXXX XXXX {$1700.00} XXXX XXXX, XXXX XXXX XXXX XXXX {$1.00} XXXX XXXX, XXXX XXXX XXXX {$800.00} XXXX XXXX, XXXX {$350.00} XX/XX/year>, XXXX XXXX XXXX XXXX {$760.00} XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I noticed incorrect information on my credit report, which falls under 15 USC 16c-2. The inaccuracies are negatively affecting my credit score, and I did not authorize the hard inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XX/XX/2018 Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXX XXXX XXXX Account : XXXXXXXX XXXX Account : XXXX XXXX XXXX Inquiries : XXXX  Mortgage XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

We have done business with Synchrony Financing for years, and have not had any issues during those years. They recently updated their systems and now do all applications/transactions online. One of our employees helped a customer fill out the proper application for financial assistance with Synchrony. The application was put into a pending status, until the customer could contact Synchrony to verify her identity. The customer spoke with Synchrony bank on a recorded line on XX/XX/2019, which Synchrony denies. After speaking with Synchrony and verifying who she was, she was approved for {$2500.00} in financial assistance. The customer made a purchase for {$1400.00} on XX/XX/2019 with financial assistance from Synchrony bank. The transaction verified her identity within Synchrony 's web-portal, via her Driver 's License. The customer signed both the store 's copy of the reciept, and Synchrony banks copy of their financial assistance reciept. The customer then had some work done on her Van the following Monday ( XX/XX/2019 ). She again verified her identity with her Driver 's License before the transaction for {$690.00} was processed. The customer then claimed that she never applied for financial assistance from Synchrony Bank and disputed the transaction/application. After nearly two months of Synchrony Bank 's fraud department " investigating '' the incident, the customers fraud claim was validated and we were debited the amount of {$2300.00}. After speaking with Synchrony 's fraud division, I was told we did not submit proper identification for her transactions. All proper documentation was provided from the beginning of the application process, to the end of the final transaction. We are disputing this with Synchrony bank and plan to pursue legal action against the company, or customer to recoup the loss of equipment/labor in the total amount of {$2300.00}. We are asking for intervention from the Federal Trade Commission on our behalf, concerning the illegitmate business practices being put forward by Synchrony Bank. We complied with each and every one of their steps in the application and approval process, and yet they have seen fit to chargeback two transactions as fraud. We have made multiple phone calls to the company, and have tried to resolve this issue, and have been stonewalled at every turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX Balance : {$3600.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXXXX/XX/2023.
Product: Checking or savings account

I had deposited a check in Regions Checking account yesterday on XX/XX/24 And wasnt notified when I deposited check at the teller that they were going to put a hold on that check until XXXX? Who put a hold on a check thats already been cleared and Im XXXX  % sure its been cleared because I tried to cancel check and its already cleared. Who put a hold on a check for XXXX weeks thats already been cleared? For this reason, I would like to report regions for misuse of funds and embezzlement, not only me but thousands of other Americans on a daily in this way. Who do you think is holding that money and who do you think is drawing interest on that money regions bank is why would they hold my money, unless it was to gain? This is happened to me countless times through Regions and I am reporting Regions and will be closing my account Indefinitely. I will not be banking with Regions ever again. Hopefully they dont hold my money ransom and tell me that I cant get it.XXXX this is wrong what theyre doing to people I have to pay payroll and have a vacation scheduled for next week. I cant even take that because theyre gon na have My money for XXXX weeks? This is extreme and excessive and seems like scandalous acts from regions banking. Now Im going to have to go to the bank tomorrow and insist they give me my money. going to have to leave work to take care of this and Im sure Im not the only XXXX. This is something that really needs to be investigated. They should be held accountable for all the stress and trouble they have caused me and thousands of other Americans every day!!!!!!! Paid for this vacation XXXX XXXX ago had it planned for XXXX XXXX!!! Very disgusted and disappointed with regions banking they are terrible. They are terrible And I dont care how you look at it or put it. They are drawing interest on everybody when they put these holds on checks and money has already cleared. Theres no other way to look at it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX  XXXX Balance : {$30000.00}, XXXX  XXXX XXXX Balance : {$1000.00}, XXXX XXXXXXXX XXXX Balance : {$690.00}, XXXX XXXX XXXX Balance : {$3600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I've noticed an error on my consumer credit report that was harming my personal report and causing stress to my financial life. Account # :XXXX, Circuit Court Reference # XXXX reporting on Transunion is inaccurate and falsely reporting information hurting my credit report. I am distressed that Transunion has included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure the maximum possible accuracy in the credit reports. 

Account # :XXXX is in violation of 15 U.S. Code 1681i ( c ). Statement of dispute required by CRA after 30 days following a reinvestigation. Also FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms Circuit Court Reference # XXXX is also in violation FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms. This agent is in violation of 15 USC 1692g. No account balance is owed but TransUnion continues to violate my consumer rights by reporting false inaccurate and illegal accounts on my consumer report that violates my consumer rights of 100 % accuracy on my credit report.

These accounts are also in violation of FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies- ( 3 ) Duty to provide notice of dispute If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer.
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX was never late! I have had exceptional payment history 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 to be updated.

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.

EQUIFAX 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!

Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor. 
XXXX XXXX XXXX Date opened XX/XX/2016 Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am purchasing my mother in law 's home I have moved I am not able to purchase a home due to kohl s Putting a badd credit on me what happened was I moved and did not receive my mail for a month kohl s sent me a bill for {$130.00} I did not pay on time because I never received an invoice They put a bag credit rating on me for 30 days delinquent they have not told me if that has been resolved Please help
Product: Vehicle loan or lease

I have attempted to do a lease buyout of my vehicle through a dealership. After getting the payoff and submitting those checks I come to find out there was a shortage so per Ally 's request i sent in that shortage. All this started late XX/XX/XXXX early XX/XX/XXXX. Come several months later now XX/XX/XXXX I call to find out what the delay is as the dealership that made the pay off check has not received title yet, Ally tells me they can not accept the check?! this is after 3 months they decide to tell me this! And only found out because i called they did not reach out. It has been WEEKS now and anytime i call in to get this resolved i am forwarded and forwarded to a different department. Nobody seems to be able to help out or know how to deal with matter. now XX/XX/XXXX it seems it has been assigned to a gentleman named XXXX XXXX or XXXX in the lease buyout department which can be reached at XXXX option XXXX whenever i call Ally tells me i can not speak directly to the person in charge of my case and i have to wait for a callback... it has been months and during this entire process i have never once received a call back i always have to call them and ask for an update which they can never give me. Also when i call the supervisor always seems to be on break and when i wait for the break to be over they are gone for the day. For example i called yesterday XX/XX/XXXX and XXXX was on break for 15 minutes from what i was told i waited those minutes and called back only to find out he left for the day... why wasnt that communicated with me when i was on the phone with the agent. Today i call and ask for a manager or supervisor and i have been told they dont work today... again why wasnt i told that yesterday when i told Ally i would be calling back today. All i get is the run around and they never fulfill with their promises of calling back and at this point it has been 3 months and ( 1 ) there is a check lost for {$45000.00} which they claim they sent to a chase bank but when i visited said bank, the bank said they never received it. ( 2 ) there is an outstanding balance on this vehicle that should have been paid off by now and title released. After all these months of battling they are letting me know that a possible resolution would be to start over and submit new payoffs BUT AT A NEW QUOTED PRICE THAT WILL INCLUDE FEES, INTEREST AND A LARGER PAYOFF ALL BECAUSE ALLY BANK FAILED TO HAVE ANY COMMUNICATION, PROCESS A PAYOFF CHECK FROM A DEALERSHIP AND NOW LOST A SUPPOSEDLY REFUNDED CHECK.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I purchased furniture from XXXX XXXX in XX/XX/XXXX that was returned to the store in XXXX. I filled a dispute with the in house credit card by synchrony bank so that I could get it resolved. It was resolved and the dispute was finalized. The letter from synchrony stated the merchant has resolved the dispute with three refund amounts XXXX for XXXX dollars XXXX for XXXX and XXXX for XXXX. There was an overpayment on the account at this point and a check was cut and sent to me. In XX/XX/XXXX they charged me again for {$520.00}, even though I made no other purchases. I have filled dispute and fraud claims several times since then. At this point the XXXX amount is lost to history and they claim I owe XXXX as of XX/XX/XXXX which they continue to add fees to. They refuse to provide info to me when the account is coming off dispute so that I can re-dispute so that fees do not accumulate. 
In XXXX of XXXX Their fraud team told me that it is not a fraud charge but a billing clerical error that needs to be resolved in the normal finance team but that team continues to try and pass me off. 
After many failed attempts of disputing with them since XX/XX/XXXX and several reviews from the their internal fraud team, I am reaching out in hopes of getting some help to resolve this matter.
Product: Vehicle loan or lease

On XX/XX/XXXX I was called by a friend who ask me to co/sign on the auto loan referenced with the attached purchase contract. loan amount was {$42000.00} When I arrived at XXXX XXXX and met with the finance manager, I was asked for my drivers license. The finance manager saw that my drivers license and the now co/borrower had DIFFERANT addresses. We did not live together and were NOT MARRIED. ( See credit application attached ) The finance manager typed the credit application and asked both of us to sign it. Looking at the credit application now I see that the finance manager typed my address and the co/borrowers address as the same and that we were MARRIED.  That was done along with XXXX ( GM FINANCIAL ) to fund the loan on the vehicle. 

Per GM Financials guidelines ( see attached GM financial funding conditions attached ) to fund this loan, XXXX would require the following to fund this loan : 1. ALL APPICATIONS MUST PASS STANDARD IDENTITY VERIFICATION CHECKS. PAGE # 4 ATTACHED. 

( GM FINANCIAL saw that the drivers licenses did not have the same address and the t guideline BELOW would apply ) 2.RESIDENCY : PREFER A MINIMUM OF ONE-YEAR VERIFIABLE RESIDENCE HISTORY. 

3. IF REQUIRED, PROVIDE POR DOCUMENTATION ( UTILITY BILL WITHIN 30 DAYS AND/OR PAY STUB WITHIN 30 DAYS ) TO SUPPORT RESIDENCE ADDRESS. 

# 3 Was required DUE TO DRIVERS LICENSES SHOWING DIFFERANT ADDRESSES. GM Financial did not ask for POR documentation and went against their funding guidelines knowing the Identity verification showed applicants did not reside together and addresses were different on drivers licenses. 

I contacted GM Financial on XX/XX/XXXX. I Explained that the co/borrower had taken the car out of the county and was not making the payments. I also explained that they did not go by GM FINANCIAL guidelines when the loan was approved and funded. they instructed me to send them a documentation package to their legal department. 

On XX/XX/XXXX I overnighted the package directly to GM Financial legal department. ( See attached receipt ) I was diligent and called GM Financial twice a week asking for status. Asking to speak to someone. Only being told it was in review and that the package was being transferred to the Fraud Department. 

On XX/XX/XXXX I received a letter from GM Financial stating they could do nothing for me and that I would need to contact the dealership. ( See attached letter from GM Financial ) GM Financial has guidelines ( Requirements ) set to fund loans. Not only did GM financial ignore the photos ID 'S, They did not ask for ANY POR documents Proof of residency. 

This loan was FUNDED by GM FINANCIAL and now the co/borrower has returned the car I have never been in possession of until now. I have been stuck with a fraudulent loan and car that I can not afford or want. 

GM Financial will not acknowledge they ignored their guidelines to fund this loan. They will not take responsibility for funding a loan they knew required Proof of residency documentation based on the photo ID 'S provided by myself and the co/borrower.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to XXXX XXXX XXXX and to request that this information be blocked. I have enclosed a copy 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 number ; XXXXXXXX BALANCE XXXX $ As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information sheeld 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 Transunion 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, so I require you to send me all the documentation to prove that this information is accurate. 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