23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

( The following is my written complaint to Honda Financial Services ) -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX  Complaint Department Honda Financial Services XXXX. XXXX XXXX XXXX, TX XXXX Dear Sir or Madam, I am writing to dispute the following information in my file. Your agency claimed that I missed a payment this spring, I made up the payment the very next month paying {$500.00} dollars and the subsequent month paying XXXX. Adding both months together this comes out to XXXX and surpases the XXXX payment missed the month prior. You have overcharged me XXXX. Your agency also turned me into the Credit Bureau and lowered my credit score. 

My next dispute, I cancelled my XXXX XXXX and I was told only XXXX was be returned. Neither was it applied to the month of XX/XX/XXXX where is should have for XXXX but neither was it returned to me. However, instead when I called your agency I was told it was kept as a security deposit. I asked why two years into my lease was I now being charged with a security deposit? After waiting 15 minutes, the representative told me it was in case damages where found on the car when it is returned. 

I said I would buy the car, then the representative said I wouldnt qualify to refinance the car. At the time, I didnt know why. I went to the Honda dealership and my payoff had increased from XXXX to {$17000.00}. If I made all my payments and promptly made-up the missed payment how does the car payoff go up? 

Needless to say, I was upset. The Honda salesperson followed me out and told me they were sorry and that Honda Financial Services turned me into the credit bureau, they felt that I deserved to know why my credit rating had dropped! 

( Image of the transaction history ) My payments are up to date. Ive always had good intentions towards my payments, one time  making a XXXX payment paying off 6 months. Below is a screenshot of the transaction history for the month, after I missed the payment it supports that I rectified the situation immediately. Please investigate this matter and delete the claim to the credit bureau as soon as possible. 

Regards, XXXX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- End of Letter to Honda Financial Services -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Dates : provided on attached documents Honda Financial Services is NOT allowing me to log on or I'd provide the most recent itemized list of the last 6 months so that it can be documents the fee 's went up for {$7.00} to {$12.00}, I assume for handling my account? There are no specifics provided.
Product: Checking or savings account

On Monday I attempted to withdraw funds and I could not I called my bank and they told me that my account was frozen I did not get a call or email or letter and every day I've been calling I even went to the bank and told I even went to the bank and told them what happened they said that they are investigating it I have not heard anything from them I have no money on me I need my bills to be paid and I am broke I can not get access to my money please help me
Product: Credit reporting or other personal consumer reports

I don't have any idea about this account. This is purely identity theft. This account damaging my good credit reputation!

DELETE THESE IDENTITY THEFT ACCOUNTS ASAP!!! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} USDOEXXXX XXXX {$0.00} XXXX XXXX XXXX {$5600.00} U S DEPT OF EDXXXX 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 US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX U S DEPT OF ED/XXXX XXXX I will never stop filing complaints against you because I know my rights!

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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

XXXX XXXX still has a 90 day delinquent mark on my credit report although the account is current and has been current for more than a year. I've called XXXX XXXX to speak with them about the problem to which they responded that I should contact the credit bureaus. I did that and still no results. This delinquent mark is having a negative effect on my score.
Product: Checking or savings account

1. Created Online account 2. Sent money to said account ( nearly XXXX ) 3. Account locked.

4. Went to bank, explained. They said, call.

5. Called. Was told online account has been reset. To Pick a new Username. BUT your temporary password will come in the mail in 3-5 business days. 
6. Nothing came 7. On the 6th business day, a letter came informing me my account has been closed due to lack of verification. 
8. Immediately head to bank to get my money and agree to closing my account. ( At this time I dont want to bank with you already ) 9. Your money has already been sent in the mail via check, and will arrive in 7-10 days. 

This is two full weeks, I havent had access to my student loans, because Bank of America doesnt know how to protect their customers. 


If there was any actual concern, ANY follow up email after the temporary password email would be informative and helpful.
Product: Credit card

I have not used XXXX services for several months. I contacted XXXX via both online and by telephone and asked for cancellation of services and VISA card withdrawals. I was told the account was cancelled and there would be no further charges, but the charges go on as before. I reported my VISA card lost and got a new card, but VISA gave the new card number to XXXX and the charges continue.
Product: Debt collection

To Whom It May Concern, I am submitting this formal complaint regarding a dispute over a debt totaling {$6400.00}, which is being pursued by Trans world systems inc. on behalf XXXX XXXX. I believe this debt is unjustified based on the following circumstances : On XX/XX/year>, I spoke with a representative from XXXX XXXX to cancel my service and return my equipment. During this call, the representative agreed to cancel my service and made an exception to accept the return of my devices, even though it was past the 30-day return period. The representative also provided return labels and instructed me to return the equipment immediately. 

As the attached evidence shows, I shipped the equipment the same day, in full compliance with their instructions. Shortly thereafter, I received confirmation that my service was canceled and all associated subscriptions were stopped. 

Despite this, I was later billed an excessive amount of {$6400.00}. I should have only been responsible for the service charges for that month, which I was fully prepared to pay. The inflated charges are completely unwarranted given that the equipment was returned on time and the service was canceled per the representatives instructions. 

I am requesting the CFPB to investigate this matter and assist in resolving the dispute. This unjustified debt has caused significant stress and potential damage to my credit. I have attached the following documentation to support my claim : Screenshots confirming the return of equipment. 
Confirmation of service cancellation and cessation of subscriptions. 
Any other relevant correspondence with XXXX or the collections agency. 

I request that this debt be removed and that any reporting to credit bureaus regarding this amount be corrected immediately. 

Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Number XXXX XXXX XXXXTo Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit rating.

Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation. 
Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB.

Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
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. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : It also stated 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 into of information, other than records of convictions of crimes which antedated 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, credit repair services, or other personal consumer reports

To whom it may concern, I recently just paid for a copy of my credit reports. upon looking at all of my reports. I noticed that all the three credit bureaus do not match. From the best of my knowledge, all the information reporting with these bureaus should match if they were properly verified as they have continued to state. Also, I'm aware that a collection/charge offs is by default a closed account. 
XXXX XXXX XXXX ACCOUNT XXXX IS REPORTING ON XXXX AS CLOSED YET ON XXXX AS OPEN. AND ANOTHER MAJOR DISCREPENCY IS THAT ON XXXX, THE DATE OF THE ACCOUNT BIENG OPENED VS THE DATE ON THE LAST ACTIVITY. THIS IS A HUGE INACCURACY. 
XXXX XXXX, ACCOUNT XXXX THIS PARTICURLAR ACCOUNT REPORTS INACCURACIES ON THE LAST DATE OF ACTIVITIES ON ALL 3 BUREAUS. AND ALSO, IT REPORTS DIFFERENT PAYMENT DATES ON THE CREDIT BUREAUS. I ALSO NOTICED THE HIGH BALANCE AMOUNT IS DIFFERENT IN ALL THREE CREDIT BUREAUS. I HAVE ATTACHECHED A COPY OF MY REPORT AS EVIDENCE. 
XXXX XXXX, ACCOUNT XXXX. 
THIS ACCOUNT REPORTS CLOSED ON XXXX REPORTS OPEN OF XXXX. THIS IS A HUGE DESCREPENCY. THE HIGH BALANCE REPORTS ON XXXX AS {$5600.00} WHILE IT REPORTS ON XXXX AS {$0.00}. THIS ACCOUNTS LAST DAY OF ACTIVITY DOES NOT MATCH BETWEEN XXXX AND XXXX.
Product: Mortgage

PLEASE NOTE THIS IN CORRECTION TO Complaint Number XXXX previously filed. Wrong Contract and Purchase Price was originally Uploaded. 

I have been attempting to complete a loan modification for over 3 years. SN Servicing unwillingness to work with me forced me to file a Chapter XXXX bankruptcy ; which I am currently in. However, I also have submitted to SN Servicing to  complete a short sale of my home in XX/XX/2019. I received a fair offer of {$150000.00} which was the amount of SN Servicing BPO of my home value. The offer was reviewed and counter at {$230000.00} which was decided in XX/XX/2019. Since this time period I/we have been attempting to negotiate a reasonable purchase price ; however, the communication and response from XXXX XXXX has went silent and they are now only requesting to have the bankruptcy stay released to pursue foreclosure proceedings. I now have a ratified contract confirming a {$230000.00} purchase price subject to home appraisal. I am requesting assistance with XXXX XXXX to accept the short sale offer at a fair and reasonable priced based on market analysis of home.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern ; I have been a victim of identity theft for quite some time now and continue to struggle with some information that is still continuing to report as mine. Additionally, I have been contacted by XXXX on two occasions over the past 6 months letting me know that they suspected a breach of my identity this past Fall during their security breach. While I have had some success in removing and editing accounts, inquiries, collections etc., I continue to try and have these items removed to no avail. My understanding is that these individual creditors reporting to Experian must prove that these accounts are mine and yet I continue to be amazed that apparently anyone can say anything and it more or less stick to an innocent person 's credit file. I have challenged both Experian and the individual creditors that report to Experian to better verify to no avail. 

This more or less all started in XX/XX/XXXX and some continue even today. Additionally, I even had a collection account to which Experian already removed pop back up just this week. ( XXXX XXXX XXXX, balance {$9400.00}, reported on XX/XX/XXXX ). 

A common theme that I have noticed are two factors ; I seem to have multiple inquiries and collections from apartment communities that are represented by XXXX XXXX and alike. Also, the majority of these Fraudulent accounts were opened in the summer -XX/XX/XXXX. 

Additionally, I have only lived at ( 2 ) addresses with leases to which I honored and subsequently concluded since XX/XX/XXXX to present day ; - XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX ( XX/XX/XXXX - XX/XX/XXXX ) - XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX ( XX/XX/XXXX to Current ) I will be attaching a copy of these driver 's licenses accordingly that reflect these aforementioned addresses. I have not applied nor have lived at any other addresses within in other states during these timeframes. 

My expectation is that Experian will due their due diligence in helping me to rectify and remove the accounts that I am disputing as Fraud and or Identity Theft. 

Thank you kindly for your continued help with these matters.
Product: Checking or savings account

M & T Bank has routinely created excessive roadblocks for it's customers in accessing basic customer services, especially in investigation of fraudulent charges. 

It is a well-established industry standard in banking, to provide customers the ability to initiate investigations on potential fraud via web and mobile platforms. Further, this institution has not even organized a customer-facing department to address inquiries related to fraud. Customers have no one to call, except the main customer service line. On at least three occasions, since prior to XXXX XXXX of 2022, the main customer service line was either completely shut down or forced customers to wait at least one hour for service. During this time, most branch locations were closed as well. 

M & T Bank has failed to do this for their own customers, and now have taken on additional customers from People 's United Bank, who are also not being adequately serviced.
Product: Credit reporting or other personal consumer reports

I will never stop refilling complaint to the TRANSUNION for allowing the fraudulent accounts and for not taking corrections on my credit report despite the multiple request I sent on the following dates XX/XX/year>, XX/XX/year> and XXXX XXXX. I have my dispute letter dated XX/XX/year> alongside with this complaint is the identity theft report number XXXXThey allowed the fraudulent accounts to be reported in my credit file without proper notification. As I checked my credit report these are fraudulent accounts are still reflected on my credit report, possibly because my previous dispute letters were not taken seriously. I was expecting that I can count on them to protect my information and to provide accurate credit reports.
Product: Mortgage

My name is XXXX XXXX. I am dealing with Sun West Mortgage. My loan number is XXXX. I called them on Tuesday, XX/XX/2021 to request the COVID relief plan for 4 months and have heard back from them. My phone number is XXXX if someone can assist and help me in this matter please.
Product: Credit reporting or other personal consumer reports

XXXX is in violation of the following USC codes : 15 U.S. Code 1681b - Permissible purposes of consumer reports 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Equifax and XXXX is in violation of the following USC code ; 15 U.S. Code 1681 - Congressional findings and statement of purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, IL XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$180.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The furnisher/perspective user named PORTFOLIO RECOVERY ASSOCIATES is inaccurately reporting an inquiry on my XXXX XXXX Report and XXXX XXXX Report. I, the Consumer, did not authorize or give PORTFOLIO RECOVERY ASSOCIATES permission to use or obtain my consumer report. PORTFOLIO RECOVERY ASSOCIATES failed to certify the purposes for which the information is sought pursuant to Regulation V, FRCA section 604 ( f ), and 15 USC 1681b ( f ). The FCRA limits the conditions under which a consumer report may be released without a consumers consent and where the consumer has not initiated a credit transaction, which is, if the transaction consists of a firm offer of credit pursuant to 15 USC 1681b ( c ) ( 1 ) ( B ) ( i ). However, there was no offer of credit or insurance made to the consumer and there was no solicitations sent to the consumer in the form of pre-approved offers of credit. By using and obtaining my consumer report without my authorization and failing to meet permissible purpose pursuant to Regulation V of the Fair Credit Reporting Act ( FCRA ) section 604 ( a ) ( 1 ) - ( 6 ) and ( 4 ) and ( 5 ) codified as 15 USC 1681b ( a ) ( 1 ) - ( 6 ) and ( 4 ) and ( 5 ) ; and failing to certify the purposes for which the information is sought pursuant to Regulation V of the FCRA section 604 ( f ) codified as 15 USC 1681b ( f ) makes you liable under 15 USC 1681n ( a ) ( 1 ) ( 2 ) and 15 USC 1681o. This ongoing invasion of privacy has caused me mental and emotional anguish.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review this ITEMS ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information on my credit report. 
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 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
Product: Debt collection

TRANSWORLD SYSTEMS INC illegally acquired a fraudulent debt that was obtained from reliant energy. 

I reported to XXXX that I did not reside at the address they had on file. My lease confirmed this. 

They said I still had to pay the debt. I disputed this for years. Until I contacted the collection company and they said if I just paid the debt they would stop reporting it. This was in writing. They also doubled the debt to make this promise. 

I then had a to fight with them after i paid them. This was because they were saying the charges were reversed. This caused me to owe my bank. As of today I have paid over {$800.00} for this debt. That I could originally prove wasn't mine. I am angry most because its still on my XXXX and XXXX. Reporting the wrong amount. I just learned of this complaint process but i am filing a civil action against this company.