23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Starting XXXX XXXX, XXXX and continuing through today XXXX XXXX, XXXX Southeastern Toyota Finance calls my home line a minimum of 2 times a day regarding a payment arrangement I made on a voluntary repossession of a XXXX XXXX XXXX. The payment is due on the XXXX of every month ( {$150.00} ). I have not even been late. Today the reason for the calls " Is to see if anything has changed '', according to XXXX XXXX with XXXX ( XXXX XXXX XXXX XXXX ).
Product: Credit card or prepaid card

I have a Paypal 2 % cash back rewards MasterCard from Synchrony Bank. In late XXXX/early XXXX Synchrony stopped giving me my 2 % cash back. 
Typically, I'd log in to my account to transfer the accrued amount and the page would tell me " We are unable to process your redemption at this time. Please try again later. '' ( See Syncrony 004 attached ) The next time I would try, the rewards would be gone altogether, but the yearly total would have increased to include the amount I never received. 
There would be no deposit into my bank account, no cash showing up in my regular Paypal account, nothing. The " cash back rewards '' were just gone.

Synchrony ignored my complaints, except for one letter ( Syncrony 001-attached ) that falsely claimed that the amount had been updated to reflect my correct balance, which it did NOT. 
Other than the running total claiming to show what I'd " earned '' to date, Synchrony has NO place to check on how much I was supposed to have received, when they claim I was " rewarded, '' nor where it went. 
Synchrony has stolen money from me.Synchrony KNOWS they stole the money because I pointed it out each time, only to be ignored. 
I've attached several screen shots showing the amount I owed for one cycle, syncrony 002, the next show that amount as PAID syncrony 003, a screen shot of the failed attempt to redeem, syncrony 004, and finally, the end result of every attempt, syncrony 005, the disappearance of the money. 
These screen shots are from the XX/XX/XXXX billing cycle, from XX/XX/XXXX through XX/XX/XXXX. I have more saved screenshots but they're on a computer that has crashed and I'm trying to recover those files. 
I was able, yesterdayXXXX, to claim {$42.00} in current cash rewards. The only other amount I've received was {$86.00} on XX/XX/XXXX, for a total of {$120.00} received by me. 
Paypal/Synchrony claims I've been paid {$230.00}. 
The difference, {$100.00}, while not Earth shattering, is still MY money, and I'm ready to proceed in Small Claims Court if necessary. 
I originally made this complaint to the NY State Attorney General 's office. and it has been passed along to the Department of Financial Services, and the OCC, yet nothing has been resolved.
Product: Mortgage

Wells Fargo, our mortgage lender, failed to file with XXXX County that we had refinanced a $ XXXX mortgage several years ago, which nearly led to a delay in the closing on the sale of the house ( XXXX XXXX XXXX XXXX, NY XXXX ) on XX/XX/2018.Our mortgage account no. is XXXX. We dealt with XXXX XXXX at XXXX. 

Under NYS real estate law, lenders are supposed to file a Satisfaction of Mortgage form in a timely fashion when a borrower refinances. If that doesn't happen, the lender is liable for damages to the borrower. Under the law, after 90 days, the lender owes the borrower {$1500.00}. 

In a letter to our lawyer, XXXX XXXX in XXXX XXXX, dated XX/XX/2018, Wells Fargo promised to resolve the issue by XX/XX/XXXX. This did not happen. Our lawyer had to create a special document asking our title company to indemnify us in order for the sale to close as scheduled.The lawyer charged us an additional fee of {$150.00} for the time involved in drawing up the document.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX  ACCOUNT # XXXX, and XXXX XXXX XXXX ACCOUNT # XXXX have violated my rights. 

15 U.S.C. 1681 section 602 A. states I have the right to privacy.

15 U.S.C. 1681 section 604 A. Section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I discovered these accounts on my credit and they do not belong to me. Ive reached out to the company several times! 

XXXX XXXX XXXX XXXX {$810.00} XXXX XXXX XXXX  XXXX {$170.00} XXXX XXXX XXXX XXXX {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX XXXX DEAR Creditors : Recently, I received a correspondence from XXXX XXXX XXXX XXXX and/or it's attorney ( s ) XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to reviewing my credit report and/or engaging in a settlement for reporting erroneous information. Upon review, my whole credit history had been deleted, wiped away and/or altered. Therefore, this is an attempt to reconstruct my credit report as I did not agree to settling this matter with XXXX or any credit bureau. Upon full reconstruction of my credit report, despite bankruptcy history, the credit score that should be yielded in between XXXX or above, as this what my credit score was when entering both bankrupcy ( ies ). All accounts should be paid as agreed and/or showing in " good '' standing. Below are the list of creditors known for credit card services. There are four auto loan accounts missing from the year of XX/XX/XXXX-XX/XX/XXXX. Two are XXXX XXXX XXXX XXXX accounts. One was a used vehicle under {$15000.00} purchased approximately XX/XX/XXXX and the other was a new vehicle purchased in XX/XX/XXXX. The other two vehicles were purchased in the XXXX XXXX, VA area from the same car dealership. Both were new vehicles. However, one of  those vehicles was leased and the vehicle was in possession for four years, which was the leasing term, then traded in on the XX/XX/XXXX vehicle with XXXX. The two vehicles purchased in XXXX XXXX, VA were purchased between XX/XX/XXXX-XX/XX/XXXX and then in XX/XX/XXXX. One or more other lender ( s ) may be XXXX or XXXX XXXX XXXX XXXX American Honda or Honda Financial Services. 


Respectfully Submitted, XXXX XXXX XXXX cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

Reporting false information in regards to XXXX XXXX  charge-off. The information has been removed from XXXX and must be updated among all three credit reporting agencies. 

In regards to the {$47000.00} charge-off : I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefor any such debt in fact therefore exists.
Product: Debt collection

Santander Consumer USA refuses to allow me to voluntarily surrender my car back to them and insist on repossessing the vehicle and charging me to do so. I can not afford the exorbitant charges and interest rate. They insist that I should pay XXXX to get another 30 days to pay when I can not afford to do so and I just want to return the car.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian will not let me dispute any of the account they are marked potentially negative 35 of them that are closed and older than 6 to 7 years. Also I have a current account that is not late with XXXX XXXX XXXXXXXX they also have potentially negative i contacts the td finance and they told me to dispute thru experian but experian will not let me dispute anything on my file stating it was already disputed. I am getting no where all those closed accounts that are over 6-7 years I need removed but I am being blocked and can not do anything this is a violation of my rights.I would like all closed account remove that are not reporting in my file REMOVED. They have hijacked my report and I have no access. I want my XXXX XXXX XXXX the one that is open XXXX correctly I have never been late and I would like XXXX XXXX XXXX contact to confirm this is correct. 
I only have one name and have disputed they will not remove the other names of my report nor the addresses that dont belong to me. XXXX XXXX I ask for a live call to company to get sign documents I own that file nothing they updated it and left it on my report when I have never done business with that company. I need this fixed asap. I need XXXX a XXXX XXXX  to update my credit report monthly I am not seeing a 30 day update from them because of the daily fees they are charging me they are hiding what I owe and kinda not reporting my payments are on time an never late. I want my balance up dated monthly to all 3 bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXXXXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX performed a full credit report and I notice a couple fraudulent accounts reporting on my credit report.I never did business with any of these companies and I also noticed wrong addresses I never resided.I also received information it was data breach and my information was found on XXXX XXXX, etc images are attached. Identity report are also attached. The accounts that are fraudulent are XXXX XXXX XXXX XXXX date open XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX number XXXXXXXX XXXX  reference XXXX open XX/XX/XXXX XXXXXXXX  account XXXX date opened XX/XX/XXXX XXXX XXXX account XXXX date open XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX date open XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian is reporting an account that is not mines, the debt collector that's reporting this account has an incorrect social security number
Product: Credit reporting, credit repair services, or other personal consumer reports

I received the following alert in my credit file and I did not give them permission to look at my credit in any shape form or fashion and I have never heard of them. 


CLARITY SERVICES INC Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Line of credit on behalf of XXXX  XXXX  ( XXXX ). This inquiry is scheduled to continue on record until XX/XX/XXXX. 
Not disputable online
Product: Credit card or prepaid card

IN THE MONTH OF  XXXX  I MADE A PAYMENT FOR MY VICTORIA SECRET 'S CREDIT CARD ON THE  XXXX   XXXX ,  2017 OF  WHICH HAPPENED TO BE  XXXX  AND OF WHICH WAS A SUNDAY.     UNFORTUNATELY, THE SYSTEM WOULD NOT ACCEPT MY PAYMENT FOR THE  XXXX  AND THE PAYMENT WAS TO BE APPLIED ON  XXXX   XXXX  , 2017.      FURTHER I HAD NOT RECEIVE MY STATEMENT FOR LAST MONTH OF WHICH A PROBLEM FOR ME.     I CALLED SPOKE WITH  XXXX  REPRESENTATIVE OF  COMNEITY  BANK WHO WAS PLAYING A BARGAINING GAME WITH ME OFFERING TO ISSUE A CREDIT OF {$20.00} OF WHICH I REFUSED BEING I WAS CHARGED {$27.00}. I INFORMED HIM THAT IF I DID NOT GET MY CREDIT OF {$27.00} I WOULD FILE A COMPLAINT WITH THIS AGENCY AND HE LAUGHED AND EVEN WHEN I REQUESTED A SUPERVISOR.     I THEN SPOKE WITH A SUPERVISOR WHOM I EXPLAINED THE WHOLE SITUATION AND SHE APOLOGIZED AND INFORMED SHE WOULD HAVE THE CALL PULLED AS IT WAS RECORDED OF WHICH WAS NOT INFORMED THAT THE CALL WAS BEING RECORDED OF WHICH MADE ME MORE UPSET.     THE SUPERVISOR INFORMED ME SHE WAS GIVING ME CREDIT OF {$27.00}.     I ALSO REQUESTED THAT SHE CHANGE MY DUE DATE FROM THE  XXXX  TO A LATER DATE AND SHE REFUSED STATING THAT COMENITY BANK ONLY ALLOWS  XXXX  DUE CHANGE PER YEAR. IN ALL HONESTY THIS IS WORNG BEING DUE TO SOME FINANCIAL CHANGES ON MY END I NEED TO CHANGE THE DUE DATE SO THAT I WILL NOT HAVE TO INCUR LATE FEES. IF COMENITY BANK REFUSES TO CHANGE THE DUE DATE THEN I WILL NOT BE HELD LIABLE FOR ANY LATE FEES IF I AM LATE WITH MY MONTHLY PAYMENT.
Product: Mortgage

On or about XX/XX/2021, I applied for mortgage payment assistance via a third party government service, upon approval, the agency " XXXX  A XXXX XXXX '' forwarded a check in the amount of {$10000.00} check # is XXXX to MR Cooper.XXXX Since then I received a letter from Mr. Cooper dated XX/XX/2021, advising the check was declined and the funds not applied to the account due to being non certified. The third party agency owner called Mr. Cooper as well and was told to allow 3 days to answer why the funds were not applied or placed in suspense, as the agency owner attempted to clarify as a non profit agency, the checks are sent directly to the lenders per the programs guidelines as outlined by the Federal government. 

Please reach out to me to assist with this matter, since the agency will not provide the funds in the form of a certified check and MR. Cooper staff member states they will not be applied regardless. 

Kind Regards, XXXX XXXX Mortgage account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name XXXX XXXX XXXX Account # XXXX, and Account Name XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX is violating my consumer rights. They are fraudulently letting DUVERA BILLING SERVI, management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in Michigan. I'm asking you to enforce to enforce the laws on XXXX for failure to investigate as I'm a federally protected consumer. I will also be reporting both XXXX and DUVERA BILLING SERVI to the IRS filling out form 3949- A information referral for unreported income since XXXX gets paid from this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS XXXX I will also be reporting both companies to the Attorney General and Better Business Bureau. I attached proof that DUVERA BILLING SERVI isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me Trazodone because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that DUVERA BILLING SERVI pays XXXX to report inaccurate information and XXXX refused to give me a fair investigation for their financial gain.
Product: Mortgage

We Have a Mortgage with LoanCare and they are refusing to pay my property taxes with our escrow account. It was due in XXXX of 2018  and it is XXXX and the taxes still have not been paid. We have attempted to contact them multiple times and every time we get the same answer, they would escalate it and get it resolved. It still hasn't been resolved. They did the same thing to us last year and this year we are facing court for unpaid property taxes.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 


This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 
I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : XXXX - XXXX, XXXX XXXX  - XXXX "
Product: Consumer Loan

I have never had an account nor have I ever requested information from Kia Motors Finance. They call me at XXXX twice a day for the last 3 months wanting payment. I have asked them 3 times to stop calling to no avail.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Tuesday, XX/XX/2021 XXXX : Collection unknown bill from Midland Credit Management Dear Consumer Protection Bureau, Midland Credit Management XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX shows up on an XXXX  credit report as trying to collect a bill about which I have no knowledge. They list {$750.00} from XXXX XXXX XXXX. I know nothing of anything I may owe or even ever having used XXXX  XXXX XXXX. 

I would like any verification that I owed anything to XXXX  XXXX XXXX  and when this was assumed and for what the bill was generated. 

If Midland can not verify this claim, I want the claim erased from my credit reports. 

Thanks for your help. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Try calling to payoff my debt the stated it no way to call or go online to take care of it unless I mail a check or obey order the issue with this is that I as a customer should be about to take care of it online or over the phone with a person to verify it process and get a confirmation number. To many scam and I use trying to do right with my pass debt I received during hard time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Conns XXXX XXXX is reporting my account is pass due when a payment in the amount of XXXX was made on XX/XX/2022 before XXXX pm central. Also, reporting my account balance increased XXXX.
Product: Debt collection

In XX/XX/XXXX I was transported to the hospital by XXXX XXXX. When I received the bill I provided both my XXXX and XXXX  insurance information. Around XX/XX/XXXX I received a call late at night from a very rude person saying I owe XXXX XXXX XXXX. I informed him that I don't and that not only did I provide both my insurance, you can not bill XXXX recipients separately. He said it's going to go on your credit. I said you can not do that. I provided all my information and do not owe you any money. Stop harassing me. You are calling late at night and being very rude. I informed him to remove my number from the system and send me any further communication in writing. XXXX XXXX still put me in collection.
Product: Credit reporting or other personal consumer reports

Please produce a signature where i contracted with aidvantage. 
If there is a rebuttal to this, please provide a certified, written statement signed wet-ink by a principal or agent under the penalty of perjury of the United States evidencing a valid contract signed by both parties. 

15 U.S. Code 1681s2 ( A ) ( 1 ) A states 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. I, XXXX XXXX, as a person believe that information is inaccurate, and until Maximus Inc dba Aidvantage can produce 1 ) a certifed statement with a wet-ink signature stating that the IRS form 1099c copy B is not proof of discharge and 2 ) a certified statement with both signatures by both parties XXXX XXXX and Aidvantage evidencing a valid contract. 

The company states the loans have not been discharged. I request a full transaction report according to GAAP, public and private, giving valid proof of this claim. 

The 1099c document provided is NOT an attempt or claim make PAYMENT, but rather proof from that the debt has been discharged. As documented on the ACCEPTED IRS form, you received this form because a federal government agency or applicable financial entity ( a creditor ) has discharged ( canceled or forgiven ) a debt you owed.. There is no mention of me requesting this info to be accepted as a valid form of payment, there can be no valid form of lawful payment made, when in fact the debt has been discharged ( CANCELED OR FORGIVEN ). 

15 U.S. Code 1681b - Permissible purposes of consumer reports : Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not give this authorization, that is a violation of the Fair Credit Reporting Act. Privacy Act of 1974 ( 5 U.S. Code 552a ) record means any item, collection, or grouping of information abou an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; This includes consumer reports. ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains Maximus Inc dba Aidvantage, and Consumer reporting agencies XXXX, XXXX, and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Maximus Inc / Aidvantage, XXXX, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked.