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

Honda Financial Services is negligent and not helpful. I have been trying to get my car 's title from Honda since XXXX, 2024. I paid the bill ( Over $ XXXX ) at the beginning of XXXX using a loan from my bank ( XXXX XXXX XXXX and receive confirmation it had been paid. A month later, I called Honda to check on the title release. They said the money had not gone through. I went immediately online with the Honda agent on the phone and paid again ( this was mid XXXX ). The agent confirmed it had been paid and I received a confirmation email. I waited and called back mid XXXX to check on my title. They said it hadn't been paid. I sent them a certified check overnight and finally the payment was accepted. I received a message that a title would be with me by XXXX. At the end of XXXX I called and was told the title was lost. They had the incorrect address. They said they had ordered a new one and it would arrive late XXXX. I called in XXXX and was told in early XXXX, the title had again been sent to an incorrect title and they had to order a new one ( round XXXX ). I asked why they hadn't updated me and was told it wasn't their job to update me on my title 's status. I was told the title would arrive XXXX XXXX. I called around XXXX and was told on the phone that the XXXX was taking a long time but that the title was on the way. I asked for a tracking number and was told they didn't provide any. I asked if there was a way to expedite the titles and was told no. I called XXXX as I had still not received my title and was told that I had been lied to in XXXX and that it had been lost but a new title had been ordered in early XXXX ( round XXXX ). I asked again for a tracking number or someone higher up to speak to. They person ( XXXX XXXX told me that they would call me back in a week ( XX/XX/XXXX ) with an update. I called XX/XX/XXXX and was told that the title had again been lost and that they had to order a new one ( this is the XXXX title Honda has lost ). I asked them to call me back with updates and was told they don't offer that. I asked again for tracking numbers and was told no. I asked to speak with someone else and they transferred me to customer support. When speaking with the man, I said he didn't know why they transferred me as he couldn't do anything. So the people with Honda Financial Services are useless. Due to their negligence, my loan XXXX is being increased to 18 % and my monthly billing for my loan is being increased by $ XXXX meaning that it will take me longer to pay off my car due to the XXXX. I can't do anything as it is completely out of my control and due to Honda 's negligence. They claim it is out of their hands and due to the state ( MN ) that the title has not gotten to me. XXXX or XXXX times, I would believe them but not XXXX. 

I sadly do not have any written communication as all of Honda 's communication has been over the phone on this subject.
Product: Checking or savings account

Deposit mobile check from my 401k I took hardship withdrawal. Deposited the check this is the XXXX one to the account very same everything except amounts have varied this was smallest one. They say they cant verily the check that they called and my trust advisor had no person by My name and this was not their check number. Chase has put fraud in my account and locked me out. Cant access my direct deposit from today either. Went to bank spent 2 hours there and result was nothing.
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my credit report, I have identified multiple errors that have adversely affected my credit score. These errors are not a true reflection of my credit history, and I believe they may have resulted from clerical mistakes, identity theft, or outdated information. I am requesting that these inaccuracies be promptly investigated and removed to ensure my credit report accurately reflects my financial responsibility. The incorrect information has caused undue harm to my credit score, which can affect my ability to secure credit and other financial opportunities. I trust that you will address this matter with the urgency it requires and make the necessary corrections. 

I have attached the documents and IDTheftReport_XXXX LATE PAYMENT Account Name : XXXX  Account # XXXX Date Opened:XX/XX/XXXX Balance Owed : {$0.00} Account Status : Closed Account Name : XXXX  Date Opened:XX/XX/XXXX Balance Owed : {$0.00} Account Status : Open INQUIRIES XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Employers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA, Employers : XXXX XXXX XXXX
Product: Checking or savings account

DO NOT CLOSE THIS-IT IS NOT A DUPLICATE. I GOT A LETTER FROM US BANK RE : FRAUD THAT WAS COMPLETED.
Product: Debt collection

I was made aware recently of my information was a part of the XXXX XXXX XXXX and since then I have had over 10 Fraudulent accounts appear on my credit report. I have 3 reports still showing on my credit report dispute my attempts to dispute the items myself. The following derogatory account was not opened by me and is reporting inaccurate information on my credit report. This account is having a significant impact on my financial wellbeing and should be removed from my credit report immediately. 

Jefferson Capital Systems XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA that you are suppose to be in compliance with states that pursuant to 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( ii ) the communication of that information among persons related by common ownership or affiliated by corporate control should be excluded from my consumer report. I believe these accounts should be removed from my consumer report according to the FCRA. you are in violating the law by reporting accounts that should be excluded from my consumer report. All alleged accounts associated with XXXX XXXX be removed from my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX My husband and I purchased a XXXX Vacuum that was financed through XXXX XXXX XXXX XXXX. My husban was station overseas during the time and we submitted the last payment to XXXX XXXX XXXX XXXX on XX/XX/XXXX in which they did not process the payment. We had never missed a payment ( see Credit Report attached ). How in XX/XX/XXXX they state we were 60 days past due when they had just reported the XXXX payment as on time. Also why would we make every payment on time and get to the last payment and not make it? I called and spoke with XXXX at ext XXXX on XX/XX/XXXX when I saw this on my credit report. She acknowledged their error and stated that they did not process the payment when we submitted it. I gave her my credit card info to make that payment and she advised they would remove this as a charge off on my report and that it may not reflect for 30 to 60 days. I filed a dispute with the 3 Bureaus and Experian came back that they updated the charge off as paid in full. This was their error and they are lying to cover their mishandeling of our account.
Product: Credit reporting 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 correct : XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXXXXXX XXXXXXXX  Balance : {$2000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Within in the past 5 months I have done everything in my power to get the inaccuracies on my credit report removed. Luckily I was able to get this account removed completely from one credit Bureau ( XXXX  ) but have had no response for the other 2 Bureaus or Creditor. Can you please help me get this inaccurate information removed from my Credit Report
Product: Credit card or prepaid card

This is about my California edd prepaid debit card. Over XXXX XXXX dollars was siffoned out of my account starting in XXXX of XXXX. The California edd had put my back pay on my edd card unbeknownst to me on XXXX XXXX. I hadn't received benefits since XX/XX/XXXX, it was an issue on my account, which is why I had not been checking my edd card regularly. I did not receive any deposit alerts even though I had them set up. I did not find out about the restart of my benefits until XXXX of XXXX. By that time it was {$1.00} in my account. I immediately called BOA dispute line and they filed 4 separate disputes 1 ) # XXXX for {$8000.00} 2 ) # XXXX for {$4800.00} 3 ) # XXXX for {$5800.00} 4 ) # XXXX for {$1000.00} I explained to them in detail what happened and ordered a new card. Mind you my original card had no chip. All disputes were denied with the exception of dispute # 3 in less than 10 days. I asked for reconsideration that was denied too, with no valid reason why. I gave up. Fast forward to XX/XX/XXXX I get an email from bank of America stating that dispute # 3 listed above had been opened, confused I called BOA at this time. I no longer had an edd card because it was no need so I threw it away years prior. I ordered a new one XXXX XXXX. I was informed by dispute representative that this was an abandoned dispute that BOA reopened and also informed me, 3 other disputes the ones listed above had been reopened XX/XX/XXXX, and there were no updates and no time frame for it to be resolved. I had no knowledge, no one sent mail anything. Well the rep filed complaint for the disputes that were opened since XX/XX/XXXX. I called 5 days later and dispute # 3 was denied as well and filed another complaint and asked for reconsideration. Once again no resolution. I need all of this rectified. I'm aware of the class action lawsuit against BOA and users of CA edd cards an decision. I need these disputes completed immediately and provisional credit to my account while I wait. I am prepared to take this to court will send demand letter to corporate office.
Product: Vehicle loan or lease

The issues with KIA Finance America began early in XXXX when they wanted to charge me for the Property taxes pertaining 2 leased vehicles that I have leased with them. They incorrectly registered the vehicles with XXXX XXXX in Virginia instead of XXXX XXXX in Virginia. After multiple phone calls I have made to their customer service without any remedy to correct the situation ( i.e. correctly register my vehicles in XXXX XXXX, XXXX XXXX XXXX to credit the taxes back, and instruct XXXX XXXX to charge me taxes ) I ended up paying the property taxes with XXXX XXXX through KIA Finance America. As per KIA Finance America instruction I have sent them a letter with copies of all documentations so they could correct the issues. As I noticed the issues were not corrected, I took upon myself to remedy them. My vehicles are properly registered in XXXX XXXX. However, in XXXX of XXXX, XXXX XXXX incorrectly charged Property taxes on my Vehicles. KIA Finance America is charging me for the property taxes. I contacted XXXX XXXX who immediately credited KIA Finance America back plus the additional property taxes that I paid in XXXX of this year. Therefore not only I do not owe any money to KIA Finance America but there is a credit due to me. I can provide documentation to all of those. I have contacted KIA Finance America today ( XX/XX/XXXX ) but have no faith the situation will be resolved as no one in their customer service team ( with the exception of one supervisor ) is even willing to search for the credit XXXX XXXX returned.
Product: Vehicle loan or lease

Ally violated there 120 day deferment agreement and waiver of fees. On XXXX XXXX XXXX we applied for there 120 day deferment agreement and waiver of fees. 
They did not give the 120 day deferment and waiver of fees, instead they gave me a 60 day extension with no waiver of fees and charged XXXX {$740.00} for XXXX of the agreement. 

Our next question is did the {$740.00} go to the principal or in there pockets, and was this a predatory arrangement?
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 Transunion credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Owed : {$10000.00}
Product: Mortgage

My mortgage lender, Fifth Third Bank, has placed my home in foreclosure due to a force placed escrow in the amount on approximately {$1300.00} which I had no knowledge of. I was making my payments monthly to Fifty Third Bank and they were not applying my payments to my account. They served the tenants that are currently renting my home with foreclosure papers. i found out about this situation when my tenants notified my property manager that they were served. Fifth Third Bank should not have served an individual other than who they were supposed to serve. Upon inquiring about this situation with Fifth Third Bank, I was informed that My home was in foreclosure. When I asked why it was in foreclosure, since I had made my payments monthly. They said they sent me a check each month because they considered my payments partial payments because they did not include the escrow. I had no knowledge of the checks they sent or the escrow.after going over information, I realized, I had not received their correspondence because they had not included the correct apartment number. Now Fifth Third Bank says I am past due and in foreclosure status. To my knowledge I was not past due. They just did not apply my payments. They created this foreclosure by their tactics. This is a huge misunderstanding and I feel it should be reversed because this foreclosure status is due to an escrow I had no knowledge of and tenants should not have been served with foreclosure notice. I requested a meeting with Fifth Third Bank to discuss this in hopes to reverse this. They stated that they will email me to set up a meeting but have not done so. It has been 36 hours since my request to speak to the proper department to address this. I also asked for an address to make contact via mail so I can have written records and they said they could set up a meeting but did not grant me the meeting or mailing information I requested.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to express my serious concern and frustration regarding the continued presence of fraudulent items on my credit report, despite multiple attempts to have them removed. These inaccuracies are causing significant harm to my financial reputation and overall well-being. 

The fraudulent items in question pertain to exist in my credit report as fraudulent or inaccurate. These inaccuracies have had a detrimental impact on my credit score and have caused considerable emotional distress and inconvenience. 

I wish to bring to your attention the extensive steps I have taken to address this issue : I have submitted multiple dispute letters to your credit bureau. These dispute letters included detailed information about the fraudulent items, supporting documentation, and a clear request for their removal. 

In accordance with legal requirements, I filed a police report regarding the identity theft associated with these fraudulent items. 
I completed an Identity Theft Affidavit with the Federal Trade Commission ( FTC ), as part of the process to rectify the fraudulent items on my credit report. 

I have diligently contacted the relevant creditors associated with the fraudulent accounts, providing them with documentation to dispute the charges and request their cooperation in resolving the issue. 

Despite these comprehensive efforts and the provision of all requested documentation to substantiate my claims, I am disheartened to see that the fraudulent items persist on my credit report. This ongoing situation is not only damaging my financial stability but also causing significant emotional distress. 

I urgently request your immediate attention and action to rectify this matter. I implore you to : Investigate the fraudulent items reported on my credit report and verify their accuracy. 

Promptly remove the fraudulent items from my credit report and provide me with written confirmation of their removal.

Review and enhance your internal security procedures to prevent similar fraudulent items from affecting consumers ' credit reports in the future.

Failure to address this issue promptly and effectively may compel me to seek legal remedies to protect my rights and seek redress for the damages incurred. I believe that immediate resolution is essential for the benefit of all parties involved. 

Please consider this letter both an official complaint and a formal request for urgent action. I expect your immediate response within the exact timeframe from the date of this letter. I am asking for your immediate assistance to remove these following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous auto loans on my credit account that were no open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from ym credit report as soon as possible.
Product: Checking or savings account

I called Wells Fargo Premiere phone line the week of XX/XX/year>. I asked for my call to be escalated to a higher level. Initially they said that wasn't possible without a waiting period to be sent to the " Executive Office. '' I called back again and at that point the representative said she could transfer me to the " Executive Office '' at that moment. I was transferred to someone in the Executive Office WHO WAS IN ANOTHER COUNTRY! I was completely blown away by the fact that this person who is supposedly a part of the " escalation team '' is actually in some other country and HAS ACCESS TO MY BANK ACCOUNT! Given the state of the world, and all the hacking incidents with data breaching, etc. - I was shocked and horrified to find that all my sensitive info ( and potential theft of my funds ) was so easily exposed by an institution we are supposed to TRUST. 

When we see in the news there were breaches in these large companies, it is no longer a surprise to me. They are literally ASKING to be hacked. I would like someone to call me and explain to me how this is OK? Or I will be withdrawing a rather large amount of money and closing my account. 

Furthermore, anyone I do reach ( in the US or outside ) are so poorly trained and never seem to be able to resolve any issues I have. This is ALL NEW for Wells Fargo but they should be stopped from exposing people 's most sensitive information and frankly some people 's life savings.
Product: Credit reporting or other personal consumer reports

I had a deferrment for COVID 19 and this company handed the loan wrong. They raised my interest rate on a FHA and also marked it late. My interest rate is still wrong and the loan was marked late.
Product: Debt collection

Provider under contract with XXXX XXXX to accept their payments. Provider is refusing to honor contractual obligations and trying to collect more from me than the insurance company says I owe.
Product: Credit reporting or other personal consumer reports

My personal information has been violated under federal law 15 USC 1681c-2 ( a ) and has been confiscated during Equifax breach and after obtainging acopy of my report I noticed my personal information was used to inquire for credit without my consent and were not authorize.
Product: Debt collection

I was contacted by my neighbors whom live at XXXX XXXX XXXX that someone by the name of XXXX XXXX from Amerifirst contacted his wife on her personal cell phone trying to reach me XXXX XXXX regarding a personal business matter. Please keep in mind I do n't know my neighbors and never met them. Contacting complete strangers discussing my personal business is a violation of my privacy and just plain unprofessional. 

Amerifirst has done this to several other individuals and continue to disturb and harass individuals whom have nothing to do with my business with them. They have continued to violate privacy and collection laws.
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 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 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: Money transfer, virtual currency, or money service

Denying me to allow access to other money saving sources