23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I purchased 2 CDs in my minor children 's names from XXXX XXXX onXX/XX/XXXX. I divorced and moved later that year and forgot about the CDs until I was cleaning out my file cabinet inXX/XX/XXXX. When I researched where XXXX XXXX was located, found that it was no longer in existence, had changed names twice and was now PNC Bank. I went to my local PNC branch to see how to handle getting the money from the 21 year old CDs. PNC says they have no record of these CDs, no record of my account information, but also has no proof that they have remitted the monies to me. They say that I must have cashed but since they were hidden in my files, there is no way I've cashed as I still have them in my possession. These CDs are auto-renew and fixed, continuous interest method. I was told to contact Channel Services with PNC to which I sent copies of the CDs along with a letter explaining the situation. I received notification that PNC has no record of the documents/account and can't give me any further guidance. I'm told that PNC only has 7 years of records and a transaction this old would not be in their files but the funds have never been remitted to the State of Ohio or to me. The bank has kept my money and not followed the correct process to remit money to the state unclaimed funds or sent to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax The following Inquiries are not mine nor are they a matter of fact as I have never applied for credit nor have, I allowed anyone to apply for credit with them using my personal information. They are fraud and under section 1681c2. Block of information resulting from identity theft Even though they are not accounts they fall under the same Identity they protection and must be removed and blocked from my credit report. 

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  records XXXX. This is where public records, such as bankruptcies, would appear on your report. 
XXXX. Personal information XXXX. Name XXXX. XXXX XXXX XXXX XXXX. Also known as XXXX. XXXX XXXX XXXX XXXX XXXX. Generational identifier XXXX. - XXXX. Year of birth XXXX. XXXX XXXX. Addresses XXXX. XXXX XXXX  XXXX XXXX XXXX. XXXX, XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX  XXXX XXXX. XXXX XXXX XXXX XXXX # XXXX XXXX. XXXX XXXX, XXXX  XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Personal Statements 29. No Statement ( s ) present at this time 30.

31. Your lenders give us data.

32. Lenders choose which of the XXXX bureaus to report your info to so if your credit reports look different from XXXX another, that's likely why. 
XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX SSN : SS # : XXXX DOB : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute the negative marks on my credit report related to several accounts. The accounts in question are : XXXX XXXX XXXX XXXX late payment account XXXX XXXX XXXX late payment account XXXX XXXX charge off account XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX collection account I am disputing these negative marks because they are inaccurate and do not reflect the true nature of my creditworthiness. Firstly, I would like to point out that I have been a responsible borrower and have always made payments on time. However, due to unforeseen circumstances such as a sudden medical emergency in my family and loss of job, I had faced financial difficulties and was unable to make timely payments. 

Regarding the charge off account with XXXX, I believe that there has been some mistake or error on the part of the bank. I had made all my payments on time, and I was not notified of any issues or non-payments prior to the account being charged off. Furthermore, I have not received any communication or correspondence from XXXX regarding the matter. 

Regarding the collection account with XXXX XXXXXXXX I am not aware of any outstanding debt with XXXX XXXX XXXX XXXX. I have never received any notice or demand for payment, nor have I been contacted by any representatives from the company. 

In light of these discrepancies, I would like to request an investigation into these negative marks on my credit report. I am willing to cooperate with any investigation or provide any additional information or documentation required to clear my name. 

Thank you for your prompt attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX XXXX
Product: Debt collection

Dear CFPB Good day. 
City of XXXX fire department send me a bill for emergency ambulance service on the date of XXXX which i paid on XX/XX/XXXX .After almost about a year later on XXXX XXXX XXXX a XXXX based collection company named Harris and Harris send me Delinquency notification ( XXXX XXXX ) for the above mentioned debt.I spoke with them ( XXXX XXXX XXXX ID XXXX ) that I paid in full almost a year ago and fax them the bank statement ( to XXXX ) XXXX But despite all this Harris and Harris send my account information to XXXX due to unpaid balance which drop my credit score tremendously.Then i called the XXXX of XXXX XXXX fire department they added XXXX as paid amount though i paid XXXX which is the original bill and they showed XXXX as unpaid and the collection agency without informing me send this information to XXXX.this is a harassment from harris and harris and they have a motive to get extra money i believe.I have the documentation of correspondence. I will be more than happy to send you that if you need for investigation.
Product: Vehicle loan or lease

I had a cae accident which vehicle was demeed total loss XX/XX/2016. The auto finance company has it as a charge off as sin e insurance company paid .off vehicle and doesnt want to removed from credit i been disputing the false information and they stated They will removed since They found all check yo be paid from insurance Company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove the following names or addresses from my account. These are not my names and I have not authorized anyone to give or use these names or addresses. 
Inaccurate Name as stated on Credit Report : XXXX XXXX Inaccurate Address as stated on Credit Report : XXXX XXXX XXXX XXXX XXXX I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX - XXXX XXXX ( XXXX ) Date Opened : XXXX Balance : {$0.00} Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX - XXXX XXXX  ( XXXX ) Date Opened : XXXX/XXXXXXXX Balance : {$0.00} Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX ( XXXX ) Date Opened : XXXXXXXX Balance : {$0.00} Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX ( XXXX ) Date Opened : XX/XX/XXXXXXXX Balance : {$0.00} Status : Closed Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX XXXX XXXX ( XXXX ) Date Opened : XX/XX/XXXX/XXXX  Balance : {$0.00} Status : Closed Im questioning the accuracy of this item on my report. Please verify this information or remove it. 


Account : XXXX ( XXXX ) Date Opened : XXXX/XXXXXXXX  Balance : {$0.00} Account type : Open Account Account Status : Closed Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX ( XXXX ) Date Opened : XX/XX/XXXXXXXX  Balance : {$0.00} Im questioning the accuracy of this item on my report. Please verify this information or remove it. 


INQUIRY Account : XXXX XXXX  Date : XX/XX/XXXXXXXX BUSINESS : - Im questioning the accuracy of this item on my report. Please verify this information or remove it. 

Account : XXXX XXXX XXXX ( XXXX ) Date opened : XXXX/XXXXXXXX  Late payment date : XXXX XXXXXXXX XXXX Balance : XXXX I want my credit report to be accurate and by law you need to remove accounts that are inaccurate, incomplete or unverifiable. If you verify the information, please respond with verifiable proof of an original consumer contract with my signature that you have on file for the accounts above. Unverifiable accounts must be removed.
Product: Checking or savings account

My card was stolen during XXXX XXXX  weekend and over XXXX $ were withdrawn from my account. I reported my card stolen and reported fraud with capital one, but they denied my claim, citing that the phone used to send the fraud alert was still being used. However, I never received any alert at all. I wanted to appeal, but they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I, XXXX XXXX entered into a consumer credit transaction with State Employee 's Credit Union on XX/XX/2017. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but State Employee 's Credit Union took cash. State Employee Credit Union willfully implied that I am the Borrower of this consumer credit transaction, when in fact I am the original creditor. This is highly false and misleading pursuant to 15 usc 1692 ( e ). State Employee Credit Union is in violation of 15 usc 1692 ( f ) ( 1 ). This consumer credit transaction did not include the interest percentage rate, following I was charged 10.75 % yearly.
Product: Credit reporting or other personal consumer reports

I have the recording of the agreement to removed the negative. I submit the transcript and they did not look at it. Just rejected it.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation. I would like this immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
Equifax : [ XXXX XXXX XXXX ] [ XXXX ] Equifax : [ XXXX XXXX XXXX XXXX XXXXXXXX ] Equifax XXXX XXXX XXXX XXXXXXXX ] [ XXXX ] Equifax : [ The XXXX XXXX XXXX XXXX XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611.

Please provide the names and business addresses of each individual with whom you verified above so that I may follow up. Please send me an updated copy of my credit report after your investigation.

To whom it may concern, This is my third letter requesting that the inaccuracies in the accounts listed on my credit report be corrected. The credit reporting agencies have failed to remove these items, and each time I receive confirmation, the issues are either not resolved or have worsened. This clearly demonstrates that the agencies are not conducting the precise investigations that the law mandates.

I am formally requesting the removal of this account, as it is inaccurately affecting my credit score and, consequently, my ability to secure a home. Please address this matter with the urgency it requires. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

There was a collection ( Aldous & associate ) added to my credit report from a XXXX XXXX. I sent them the info showing I paid the termination fee to the XXXX  before moving states. But they never took it off of my credit report. After 6 months I just went ahead and settled the collection of {$140.00}. But they still havent closed collection account as settled.
Product: Credit reporting or other personal consumer reports

I opened account with XXXX XXXX XXXX in XX/XX/XXXX and refinanced it in XX/XX/XXXX for no reason they are reporting a 90 day late on my credit report on XX/XX/XXXX. I couldn't have been late and refinanced and I have documentation showing all of those payments are made and the person I spoke with on the phone admitted no payments were missed but the late remains on my credit bureau. After I refinanced it and pulled more money out they started a new account and sold my account to XXXX XXXX XXXXXX/XX/XXXX and XXXX it a merger. When they did this merger I was unable to log into their online site to pay my bill that month and when an account is transferred like this they are not supposed to report late payments because of issues like this. I was out of the country and only had access online and was unable to utilize their online services. They reported another 30 day late which is stopping me from being able to refinance this account. I need CFPB to aid in removing these lates from my credit bureau so I can get away from this company and their incorrect reporting issues.
Product: Credit reporting, credit repair services, 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 U S DEPT OF EDXXXX  # XXXX U S DEPT OF XXXX # XXXX U S DEPT OF ED/XXXX XXXX XXXX U S DEPT OF ED/XXXX # XXXX U S DEPT OF ED/XXXX # XXXX U S DEPT OF ED/XXXX # XXXX U S DEPT OF EDXXXX  # XXXX U S DEPT OF ED/XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES PLEASE DELETE THEM FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX - XXXX XXXX XXXXXXXX ) XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX All inquiried on my credit report improperly. I have a credit fraud alert on my account that is very informational on how to verify my identity, call me before hand in order to pull my report. they did not follow the instructions and pulled anyhow.
Product: Credit card or prepaid card

I recently received notice that due to inactivity of my account. The lender plans on closing out the account on XX/XX/2016. I've been planning to soon refinance my home however if they take this action. This will negatively impact my current Fico score in turn financially hurting me. The better my score the better my rate. I have never misused or been late with any of my accounts and I have many.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just paid off over {$37000.00} worth of debt on my credit report, my score went up 6 points. 
I believe there is an unfair practice with the scoring process. 
I want a rapid rescore on my report and I want it to reflect what is owed in relation to my payment history justly I believe there is a double standard in this industry and it is XXXX motivated I want an investigation into the scoring process for all of the three companies I believe they score according to race and gender as my score is drastically different than my XXXX counter parts who have much more debt than I do
Product: Credit reporting or other personal consumer reports

I submitted a letters asking for a complete investigation into the accounts on my credit profile. I am a victim of Identity theft. I have sent my Identity theft report and affidavit in several times and the credit bureaus are not following the law. The accounts were placed on my account fraudulent, I also asked for an update of my personal information due to fraudulent information making it hard for me to pass identity questionnaires. 

I submitted 15.US Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information.as well as a debt validation which included ; explanation of account A copy of state license, license # Documentation stating I agreed to pay this debt with my signature and documentation stating I gave permission to use my information.

Original Promissory Note ChIn of custody for account Master bill of sale
Product: Credit reporting or other personal consumer reports

This occurred on XX/XX/year>. My login credentials no longer work. A reset was unsuccessful. I tried to register again, and I'm unable to create an account on Equifax 's website. I received a message to call them. I'm XXXX and do not use a phone. This leaves me with no way to manage my credit with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two collections account that was added to my credit report. These two account has already been resolved. The account includes Nelson Cruz and Associates and XXXX XXXX XXXX with the amount of {$910.00} and {$610.00} respectively. 

I also have two account credit card enquiry by XXXX XXXXXXXX in which on two occasions they were both approved without my consent in the space of 6 months, one happened in XX/XX/XXXX and XX/XX/XXXX There is also XXXX XXXX XXXX on XX/XX/XXXX which I had no idea of the accounts.
Product: Debt collection

XX/XX/2019 I paid my XXXX XXXX XXXX balance in full after learning from customer service that I had missed a payment. I continued to make my monthly payment even though payment had become an issue. Prior to this I had always paid my balance in full each month. I asked the creditor on several occasion to remove the excessive charges as a goodwill gesture. Original creditor : Comenity Capital Bank refused to do so and has continued to assess late fees, and/or finance charges, and/or other fees causing my account balance to exceed my credit limit. Comenity has reported this on my credit report. This has negatively effected my good credit score. Comenity sold the account to a debt collector : THE BUREAUS who continues to increase the balance and causing my credit rating to go bad, thereby causing me to miss opportunities to improve my credit rating and create a better standard of living for me and my family.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX Debt Bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of debt bondage and would like for all listed accounts to be blocked and deleted from company Transunion. Please delete the following accounts. 

Account Name : XXXX Account Number : XXXX bal. {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX bal. {$0.00} Account Name : XXXX XXXX XXXX Account Number : XXXX bal. {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion with a notice stateing that I had had my identity stolen. I put a stop on my credit report, and sent in the police report attesting to this. However, transunion is still allowing these items on my credit report, even though they are fraudulent.
Product: Credit reporting or other personal consumer reports

I should only have a intimidation charge and domestic battery that I had plea to on XX/XX/year>. There shouldn't be any other charges that seemed to appear on background
Product: Checking or savings account

I am filing a complaint with the CFPB regarding Capital Ones failure to deposit my direct deposit from my employer and any other incoming deposits. Capital One has sited tech difficulties which may have violated the EFTA as it requires timely access to funds. This has drastically raised concerns in regards to consumer protection laws and I request your assistance in investigating this matter to ensure my rights are upheld
Product: Vehicle loan or lease

My new vehicle financed with Kia Motors Finance was totaled on XX/XX/2023. The account went through the usual processes of insurance claims. After the insurance payment on XX/XX/2023, there was still a balance of {$1500.00}. I was informed by my GAP insurance provider that I would not need GAP as the balance would be covered by warranty refunds. In XX/XX/2023, I spoke with my dealership to submit the paperwork to get the refunds processed. Kia Motors Finance would not debit the refunds from the dealer. I attempted to call Kia finances phone number, but an automated answer always states that they are busy and the call ends. Months went by while I kept attempting to call Kia finance. On XX/XX/2023, I received a call from Hyundai Motors that my account would be charged off. There was no previous warning, whether through call, email, or physical mail. I was told it would not go to my credit report if I paid that day. I paid off the remaining {$1500.00} with my own bank account, even though it should have been covered with the refunds they should have processed. Kia Finance ended up placing a derogatory remark on my credit report anyway and my score fell by over XXXX pts. I had to submit a dispute by mail to them and now the remark is removed but my score has not recovered. As of XX/XX/2023, I still have not received my refunds. I was told that the GAP refund was mailed out on XX/XX/2023 but I have yet to receive it. I asked for the check to be reissued and they mentioned it could take up to 45 business days. Today I also inquired about the 2 other refunds that total in the amount of {$3000.00}. The representative told me that the refunds have not been processed yet. I can see on my payment history that Kia Finance received these refunds from my dealer on XX/XX/2023.