23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This complaint is in regards to an unauthorized inquiry which was made using my personal information. The application KEY CODE associated with this action is : XXXX. The Company involved in this action is Lowes Synchrony. They also authorized charges on my personal bank account with few different transactions. I reached out to the company a couple of times and they stated the situation was being handled. I verified my information with the necessary requirements but they insisted on demanding more information from me. I first spoke with a representative who refused to give me their name but referred to as " K - XXXX. '' She stated that she would update the system by submitting a " Fraud File to Delete Inquiry ''. I asked for confirmation that this action took place and she insisted on demanding more personal information in order to receive confirmation. She began to become aggressive and overly demanding and as I requested to speak to a supervisor, she transferred me to another rep of the name XXXX. XXXX was even more unprofessional and refused to answer any questions and placed me on hold for 15 minutes. From that point a woman named " XXXX '' stated she was a Manager from the XXXX, Ohio branch location. She stated that the action of removing my information and inquiry from their system was set in motion ; however, there is no way of sending me confirmation. This is not the first time I heard of this company authorizing inquiries and credit cards with fraudulent activity. I have relatives and friends who dealt with the same problem from LOWES SYNCHRONY. I asked that this company immediately updates the Credit Bureaus that the Inquiry was fraudulent and unauthorized or I will file a legal suit. Once again I did not make the inquiry or authorize Lowes Synchrony to utilize my person information. After such action is taking place I also request that this company Cease & Desist and further contact to me.
Product: Checking or savings account

For the Truist Money Market account there is a requirement that to avoid a monthly maintenace fee I needed to mantain a {$1000.00} daily balance. In the first month ( XX/XX/XXXXXX/XX/XXXX ), I made only the {$50.00} minimum deposit on XX/XX/XXXX and not the full {$1000.00}, which I acknowledge. I was charged the {$12.00} fee for that statement cycle, which ranged from XX/XX/XXXX to XX/XX/XXXX. I am confused as to why the statement cycle ended on the XXXX. On the XXXX, I deposited over {$1000.00} to my account and have mantained that minumum balance ever since. My next statement for XXXX ranged from XX/XX/XXXX to XX/XX/XXXX. On XX/XX/XXXX, I was hit with another $ XXXX monthly maintenance fee despite keeping my balance over {$1000.00} that entire month. When I spoke to a representative, they said it was because for one day in the statement cycle that I didnt have the {$1000.00} balance. I can not get the second {$12.00} maintenance fee refunded. I was not given a specific date over the phone. I have never had a Posted Balance on my account summary under {$1000.00} and at the time of my XXXX statement says my balance has been over {$1000.00}. As a customer, I have no written access to a daily ledger stating that my account was under {$1000.00} on any specific day. If they do assess that monthly maintenance fee based on one single day, I should have the daily balance of my account accessible to view somewhere. Also, it is strange how my XXXX statement begins XX/XX/XXXX and ends XX/XX/XXXX, which is a different length of time from XX/XX/XXXX to XX/XX/XXXX. It is also strange how I have gotten charged both on XX/XX/XXXX and XX/XX/XXXX, which is less than the amount of days in the month of XXXX ( 31 days ). In my account, each statement is titled by month which is misleading.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted several investigations to remove fraudulent accounts from my Equifax credit report. XXXX and XXXX has removed these fraudulent accounts that do not belong to me. I have also submitted a police report identifying that I was a victim of identity theft. The following accounts are fraudulent and they do not belong to me : -XXXX XXXX XXXX of XXXX XXXX XXXX -XXXX XXXX A XXXX -XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

NES NATIONAL Enterprise Systems XXXX XXXX # XXXX I understand that the {$230.00} debt is owed. I have every intent to repay the bank, however, I have been unemployed for 6 months and is currently collecting {$150.00} per week in jobless benefits for 12 weeks. Because I work in XXXX, I am subject to pass a credit check before an offer for employment can be extended to me. I applied for the XXXX XXXX positions with the XXXX XXXX XXXX, XXXX, NC and I am required to pass a credit check. I can not have any collections or judgments on my credit file. It 's critical that my credit file remains spotless because I will have to undergo credit checks for any positions I apply in XXXX
Product: Student loan

I received a letter from Northland Group Inc., dated XXXX XXXX, 2016, demanding payment on a loan assigned to them by XXXX for collection of {$23000.00}. However, the same loan was previously assigned to XXXX XXXX XXXX, which agreed to cease and desist on this account, via attached letter dated XXXX XXXX, 2016, since apparently, they could not verify the loan as being mine. I do n't understand why XXXX has reassigned the loan to Northland despite the previous collection agency not being able to disprove my claim that I do not owe this loan. I have not borrowed money from XXXX XXXX XXXX services and thus request CFPB to please compel XXXX and Northland to desist collection on this account from me.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts should NOT be reporting on my credit file, as the medical center was instructed to bill my insurance carrier before these accounts were falsely placed in collections. There are also duplicate accounts reporting on my credit file ( See below ), which is causing severe damage to my credit worthiness and is preventing me from accessing new lines of credit. These accounts are injurious to my credit, I have sent in XXXX separate re-investigation requests to Equifax for the following inaccurate accounts : Account Name : XXXX XXXX XXXX XXXX Account # XXXX Balance - {$150.00} ( Non-compliant reporting ) Account Name : XXXX XXXX XXXX  - Account # XXXX Balance - {$110.00} ( Non-compliant reporting ) ( Duplicate ) Account Name : XXXX XXXX XXXX XXXX Account # XXXX Balance - {$110.00} ( Non-compliant reporting ) ( Duplicate ) The first re-investigation was started on XX/XX/2022 and was completed on XX/XX/2022 ( 10 days ) and the second re-investigation was started on XX/XX/2022 and was completed on XX/XX/2022 ( 14 days ). On both occasions, the above-referenced accounts have come back as " verified. '' I have requested the method of procedures be sent to me ( via us mail ) explaining the procedures used to verify these accounts and to date, Equifax has ignored my requests, which is my right under the FCRA. XXXX XXXX XXXX  has also failed to provide me a notice of debt, prior to inserting these alleged accounts onto my credit report which is a violation of my consumer rights. I was not provided the opportunity to request validation of these alleged debts. I have disputed these alleged accounts with Equifax, as well as the collection agency, and both parties continue to verify this alleged debt without properly investigating, which is violation of the FDCPA and FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX The company is named XXXX XXXX, There two account with them. The first account show 120 days late with no payment history which was paid in full. I spoke to them about the account and told them that I paid it off. The person that was handling the account at the time post my payments to the wrong account and did not never fix it on the credit report. The company had a greed to remove it but never. The district Manager prior to leaving the company had agreed to fix it but left before completing it. 

The other account was agreed in the amount of XXXX to pay the account in full and then declined after a new district manager took over. I contact the company about the problem they ended up taken the payment after going back and forth about it but then reported 30 days late which now is effecting the lost of XXXX dollars point purchase towards a new home for my family.This has dropped my credit score down by 95 points which makes my mortgage lender to back out of the purchase with a lost on money for me. 

This is not fair in keeping the integrity of the companies word to the customer. I have disputed this item several time and it remains unchanged with a letter for request of removal from the the company.
Product: Checking or savings account

Yesterday, XX/XX/2024 I received an email from Credit Karma that my account was frozen. I called them and they asked for identification documentation, which I provided three separate times. They acknowledged that they have verified that it is my account but they will not unlock it. 
Their resolution team will only communicate through emails, no phone calls or chat and the emails I have received are generic messages stating that they are reviewing my case. All of the money I have is in this account. This means I do not have money for food or gas or bills. I just want my account unlocked. There has not been any fraudulent activity on this account.
Product: Credit reporting or other personal consumer reports

I have filed many disputes with you all through postal mail regarding numerous accounts that need to be investigated on XX/XX/year>. On XX/XX/year> I receive what you call a letter of stall to not complete a thorough investigation on the items that I have disputed with this company. I am not pleased at all how you have handled my investigation and I require the immediate removal of all unaccurate accounts that were sent on XX/XX/year>. The letter you sent stating that my verification documents was not legiable was to stall the investigation of all the disputes. If the documents where not legiable you have had 14 days to respond back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America did a hard inquiry on me and reported to Credit Bureau on XX/XX/XXXX, I never applied for anything with Bank of America, similar issue last year XX/XX/XXXX. I have called several times and went to a local branch, received conflicting answers. I want the Bank to verify this and NEVER do a hard inquiry on my record without my permission.
Product: Debt collection

HI there. 

This account was closed in XXXX of 2018. I have returned the apartment and move to a different city. 

I remember I have complained about XXXX XXXX in the past. 

This scammers and other similar, manage to sent a variety of collection notices for small amounts expecting you to pay without verification. 

Imagine this small amount multiplied by thousands of unsuspected customers, who may be cheated with utilities accounts that were closed or transfer. 

All charges related to electricity were payed off and the account closed. 

Please see the XXXX email regarding this account closed.
Product: Credit card or prepaid card

Charged {$14000.00} XXXX XXXXXXXX on XXXX Citi credit card on XX/XX/2018. It was my understanding that based on XXXX Citi Visa Card web site that trip cancellation was covered. while trying to make a claim i was told that the business version of this card does not have this benefit. This is not stated on the web site. I have the non business card also and would have used it if it was stated on the description of benefits
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 Intercontinental Capital Group called me about a refinancing per information that we filled out under XXXX XXXX. I explained to him that I was already working with XXXX XXXX. I spoke with XXXX XXXX and he told me he could do much better for us and to give him an opportunity. I explained to him that XXXX had already done a hard pull on our credit and I did not want to see our credit score pulled down by multiple pulls. He explained to me that he would be doing a soft pull which does not affect my credit score. So I ONLY gave my permission for a soft pull. He sent me paperwork which I questioned several times because I had only asked for a good faith estimate and amortization schedule and he included loan application papers saying ( In Process ). So again I made it clear to him that I was not ready. After that conversation on XX/XX/XXXX. he had performed without my permission a hard pull on my credit by XXXX XXXX XXXX which I discovered the next day by checking my credit score on XXXX. I then called him the next day and asked him if he had done this and he said yes. I then asked him to call the credit company and undo this to a soft pull which he did not do. We are now in the process of refinancing our mortgage and it is crucial that we have an exceptional high credit score that we had so that we can get the lowest and best rate for the life of this loan. This is our one chance with rates so low that it will enable us to actually pay our house off before we retire. It is crucial that we get this off of our credit record and I want recourse for the action that this man who represents Intercontinental Capital Group did without my permission.
Product: Vehicle loan or lease

The last communication I received from consumer portfolio services was XX/XX/XXXX. I have not received any other communication by mail and this company wrote off this loan as a profit and loss and bad debt right off for the year XXXX. They did this XX/XX/XXXX. At the end of XX/XX/XXXX I had a tow truck company called XXXX XXXX out of XXXX XXXX following me around all night and claimed that they were repossessed in my car. They would not confirm the name of the creditor I can only assume that it is still consumer portfolio services that I have not heard from them for a year and a half now. XXXX XXXX sent to men to follow me around and when I pulled up in front of my house they asked me if I lived there. They then said they were possessing my car and when I asked them who ordered the repossession they said they didn't have to tell me and that they were going to call the police to help them. And then cut into my car and drove to the police station where these two individuals blocked me in the parking lot once I arrived at the XXXX police station. The XXXX police department came out and told them to leave and then if I saw this tow truck following me again that night no matter what town I was in I was to call them. The following night my car was gone. I am unable to get through to consumer fXXXX XXXX and get an actual person on the phone and through their automated system the last payment was due XX/XX/XXXX. Again the last communication I received by mail was XX/XX/XXXX. XXXX XXXX does not answer their phone I've left so many voicemails in the last two days since it was Thursday but the car was taken all three extensions on their line are full of my voicemails I still have not heard back from them. I have not been able to get to my car to get any of my things out of it and they force you to go through a website and make an appointment. They've had my car for four days now and I have been able to get anywhere near it. I file a complaint against consumer portfolio because I can only assume that is who ordered the repossession of this car without notice. XXXX XXXX used illegal means to try to take the car and the witnesses to that or the XXXX police department. I filed a complaint with the attorney generals office and they are advising that I contact the XXXX XXXX Police Department before I try to collect my car but I don't have any means to get there. I called the XXXX XXXX police department and explain the situation to them and they advise me to ask them to accompany me on Monday to XXXX XXXX all I can say is thank God that I chose to go to the women 's police department that night when they followed me because it was two guys refusing to show any evidence on who ordered the repossession and they both got out of the truck and approached me. And I pulled into any other parking lot other than the XXXX police department what would've happened?????????
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this XXXX XXXX and it has not been corrected on my Transunion report. The account is still reporting wrong on my credit report but it is already closed. However, the account payment status is 30 days late. The account payment status CAN NOT be 30 days late on an account that has been closed. The account status is wrong and should be closed. Now, I want you to correct this misinformation on my file ASAP XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XXXX XXXX, to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Please update or correct this immediately : 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
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 with XXXX, 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

On XX/XX/2020, I purchased a vehicle from XXXX XXXX of New York. I was sent an invoice for {$17000.00}, money to be wired to a business account for XXXX XXXX at PNC bank at XXXX XXXX XXXX, New York, NY. I contacted the bank directly to make sure it's a legit account. Then after wiring the funds, I contacted the bank later to see if the funds have been cleared because the seller, XXXX XXXX, told me that the bank was holding their funds. The bank would not answer my request and told me I can not inquire about an account I don't own. I then asked for the wiring department so I can speak to someone that can verify that my wiring from XXXX XXXX  has been cleared through PNC wiring department. Again, PNC declined to answer. Throughout the numerous emails and phone calls with XXXX XXXX in New York, they kept claiming that their funds were never released so they could not ship out my vehicle that I bought. Then I asked my bank, XXXX XXXX to intervene and inquire about a possible refund since the funds were never cleared. After few weeks, XXXXXXXX XXXX  responded that PNC never answer them directly either. Last week, I filed a fraud complaint with the FBI internet crime division after having no choices left and recommended by my own bank, XXXXXXXX XXXX Till now, PNC has never answer me directly, contacted me in any way, or assisted my bank to see what happened in this situation. Even if it's a straight scam, I felt like PNC could have answer quicker giving the consumer like me a chance to go after the criminal, if proved so. It's now past 90 days since the funds wired, chances will be slimmer to recover. I like PNC to answer directly to me if the funds were indeed verified and cashed out, if not, is it possible to have it refunded to me through the same means it was wired. Please help in any way possible so that I or anyone else can avoid losing money.
Product: Credit reporting, credit repair services, or other personal consumer reports

Online IN XXXX  Account XXXX US Dept ED Account XXXX XXXX XXXX  Account XXXX n accordance with the Fair Credit Reporting act 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 a account without my written instructions
Product: Money transfer, virtual currency, or money service

My name XXXX XXXX, phone number XXXX XXXX, address XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX FL XXXX. Since XX/XX/2021 I have been blocked to send money by almost all money transfer companies such as XXXX XXXX, RIA etc... I called them many times because I wanted to know the reason they blocked me from making money transfer, and the agents whom I talked to, told me that they can not tell me anything because they received order. 

As I get extended family in my native country, I used to send money to help some of them. Today, I went to RIA to make a money transfer the same situation happened again. That was why I decided to make a complaint to see whether you can help me finding a solution.
Product: Credit reporting or other personal consumer reports

I am writing for two ( 2 ) reasons : XXXX. To dispute certain information in my credit file ; and XXXX. To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and is inaccurate or incomplete. I am requesting that the item be investigated to correct the information Dept Of EdXXXX XXXX XXXX Dept Of EdXXXX XXXX , Dept Of Ed/XXXX XXXX XXXX Dept Of EdXXXX XXXX & Dept Of EdXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

US BANK HOME MORTGAGE Remarks Forfeit of deed in lieu of foreclosure XXXX XXXX account XXXX XXXX XXXX. 
XXXX, KY XXXX XXXX ( XXXX ) XXXX XXXX XXXX   Remarks Account closed at consumers request Account paid for less than full balance Paid charge off Fixed rate Last payment XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX USA ( XXXX ) XXXX