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

In XX/XX/2021 my husband and I went to Lowes Home Improvement store to purchase decking supplies. The sales person at the Pro Shop desk sold us on opening up a business advantage credit card so we would get the 20 % off our purchase for new applicants and a 5 % discount each time we made a purchase at Lowes for having a business account.

We agreed to applying since it would afford us time to pay the amount and we would also get our order by the beginning of summer. Unfortunately the total for the supplies maxed the credit limit on both my card and my husbands. 

On XX/XX/XXXX my husband and I both received a letter from Synchrony Bank indicating our accounts were closed due to few commercial financial accounts and few open commercial credit card accounts. 

This is very unfortunate as we never indicated to the sales person we were contractors or professional commercial builders. This credit card was recommended by that sales person and never advised us there was a possibility it could be closed in the near future for these reasons. 

Upon calling Synchrony Bank Lowes and speaking to a supervisor we were advised there was nothing they could do and recommended we apply for the Lowes Advantage credit card. 

I informed the supervisor how is that fair when we applied in XXXX and why was it approved if the credit report showed no commercial accounts. We no feel we were approved just to get is to make the purchase snd now we are locked into paying this money and the interest if we fail to payoff before the promotional period. 

Not only do we have no credit card but we will be subjected to another inquiry on our credit report. When this was already done back in XXXX. My credit report shows they checked my consumer credit history so for them to say they only checked my commercial credit history is untrue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. I've contacted the FTC and the police. I'm doing this on my own behalf. These items listed are not mine and need to be deleted from my credit report. XXXX, XXXX, XXXX XXXX, XXXX, Inquiries ; XXXX, XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The account XXXX  XXXX is current, never on a past due. Please reverse the late payments because I have never made a late payment on this account ever
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting and the following accounts below 15 U.S.C 1681 SECTION A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS XXXX XXXX XXXX {$270.00} XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$4800.00} XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$370.00} XX/XX/XXXX XXXX {$280.00} XX/XX/XXXX XXXX XXXX {$450.00} XX/XX/XXXX XXXX XXXX XXXX  {$1000.00} XX/XX/XXXX XXXX XXXX XXXX {$550.00} XX/XX/XXXX XXXX XXXX XXXX {$610.00} XX/XX/XXXX XXXX  XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX {$12000.00} XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX {$89.00} XX/XX/XXXX XXXX XXXXt {$160.00} XX/XX/XXXX XXXX XXXX  {$160.00} XX/XX/XXXX
Product: Credit card

I previously filed a complaint with the CFPB and am extremely disappointed in US Banks response! It seems as though they are not reading my complaints at all ( or maybe they are in cahoots with the fraudulent merchant ). My complaint was NOT about an error on my bill! I was scammed by a company and they did n't even address the issue. What is the point of having a credit card if the issuing bank wo n't even investigate my concerns?
Product: Debt collection

California Business Bureau Inc is attempting to charge interest in the amount of {$160.00} on an account that does not have interest tied to it in the original contract as it is a medical debt. When I spoke to California Business BureaXXXX on XX/XX/2023 at XXXX PST the collector stated that they did not have the original contract that stated they were legally allowed to charge interest on this account and that they were able to charge the interest " because I didn't pay it. '' When I spoke to the original debtor ( the hospital ), they stated that they do not charge interest on their accounts. This means that CBB is charging interest illegally under 15 U.S.C. 1692 et seq. of the Fair Debt Collection Practices Act as well as misrepresenting my legal rights as a consumer ( another illegal practice under FDCPA. ) Furthermore, they called both of my parents on XX/XX/2023, which they are not allowed to do unless they're unable to locate me, which was not the case as the original letter they sent dated XX/XX/2023 stated that I have until XX/XX/2023 to respond. How can they determine if I'm unable to be located if they did not give me reasonable time to respond per their letter? This is illegal under 805 ( b ) of the Fair Debt Collection Practices Act.
Product: Debt or credit management

XX/XX/XXXX they charged my card for XXXX and XXXX. I cancelled via phone call on XX/XX/XXXX with someone. They won't give me my money back. It's my XXXX money for my XXXX kids
Product: Credit reporting, credit repair services, or other personal consumer reports

I used the Experian web site to place a credit freeze in the past. In XX/XX/2019 I was unable to place a credit freeze on their web site. I sent a letter as instructed by their site and received no response. I have sent communications to Experian asking them to enable my credit freeze on their web site. When I try to use their app they want to bill me {$9.00} a month to use their " Experian Credit Lock ''. The other two credit bureaus offer this service for free on their apps. Experian is not granting the free credit freeze which is required by law. I am asking the CFPB to take action with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi CFPB, I am new to credit and I am currently improving my credit. I checked my credit report today ( XX/XX/XXXX ) and saw that I have a few inquires that I never authorized. I had my social security number stolen in the past and thought that the credit bureaus put a freeze on my credit report so no one uses my SSN for credit. 

Here are the inquires that I never authorized XXXX XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Federal Government Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Finance Companies - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX
Product: Debt collection

A woman named " XXXX '' called from the number XXXX, and XXXX, and XXXX as well as XXXX. 

She called repeatedly from different numbers, then called all XXXX of my children and my spouse. XXXX XXXX ID said " XXXX XXXX ''. She left a Reference number, when I called the XXXX number and spoke to a man he claimed this was an old XXXX XXXX from XXXX from Americredit Financial. 

I asked for the name of their company and his name and he would not give it. I asked for written proof, he lied and claimed that because it was auto debt, he was not required to send that, he then lied and said that they have already mailed it numerous times, which is not true. I told him that this was time barred debt and that the Statute of Limitations in Texas is ( 4 ) years, he said that did not apply to auto loans, which is also a lie.

He said that I would be served legal papers for court and that we needed to come to an agreement before that happened, I hung up. 
Calling my entire family and telling multiple lies and threatening to sue for time barred debt is XXXX. XXXX XXXX just lost a $ XXXX lawsuit for this exact tactic.
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  XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

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

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

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

I am filing this complaint against XXXX, Equifax, and XXXX regarding their failure to properly address the inaccuracies in my credit report despite my formal disputes. I initially sent dispute letters to each bureau on XX/XX/year>, outlining the inaccurate information being reported. As of today, more than 30 days have passed, and no sufficient verification has been provided. The inaccurate items remain on my credit report, which continues to harm my financial standing and well-being. 

Disputed Accounts : XXXX XXXX  ( Account Number : XXXX ) XXXX XXXX ( Account Number : XXXX ) XXXX  XXXX ( Account Number : XXXX ) XXXX XXXX  XXXX ( Account Number : XXXX ) XXXX ( Account Number : XXXX ) ** In addition : Equifax is also reporting an unknown account ( Account Number : XXXX ), which does not belong to me and must be removed from my credit report. 
Despite my attempts to resolve these issues, I have not received the requested evidence verifying the accuracy of these accounts. As required by the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, the credit reporting agencies must ensure maximum accuracy and reinvestigate disputed information in a timely manner.
Product: Checking or savings account

I ordered items from XXXX to a business address. Package never arrived, I didnt sign for it, neither did other employees. Signature wasnt my name or my signature. Attempted to work with the merchant but they wouldnt investigate further. Filed a dispute with Chase but they denied my claims saying and all they told me was that because someone signed for it and closed my case. Requested proof that used on their investigation, never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reports two late payments on my XXXX   and transunion credit reports. My payments are deferred and therefore {$0.00}. When I called them, the man I spoke to said that my payments should be deferred and that I could fax them a form explaining this and the late payments would be taken off. No such luck. Payments before and after are on time. I dont know what happened but this is hurting my score and my ability to apply for anything.
Product: Vehicle loan or lease

I leased a XXXX XXXX XXXX from Honda Financial Services. On XX/XX/XXXX I returned the car to a Honda dealer, and sold it to my daughter and son-in-law. The dealer removed the old tags and put on new ones. I was assured the old tags would be returned to Virginias DMV. I XX/XX/XXXX I received a notice from Honda Financial that  I owed {$450.00} for a personal property tax bill for calendar year XX/XX/XXXX. 

I attempted to contact both XXXX County taxing authority and Honda Financial to rectify this situation. Honda Financial informed me that they have requested a refund from XXXX County, but if I did not pay the property tax for XX/XX/XXXX, it would affect my credit rating. 

I believe it is wrong for me to have to pay for what appears to be Hondas failure to notify XXXX County about a change in ownership, and I believe even stronger that taxing someone for property during a period of time when they did not in fact own that property, and havent owned in over a year, is wrong.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account.XXXX  XXXX and JXXXX XXXX XXXXXXXX
Product: Checking or savings account

On XX/XX/XXXX my card was charged XXXX by and XXXX XXXX in XXXX Ma. That is all the information I was given by TD Bank.There was another charge on my card for XXXX the bank didn't identify the merchant, on XX/XX/XXXX there was a purchase at a company called XXXX for XXXX. Also on XX/XX/XXXX there was a charge at XXXX for XXXX and XXXX cents. My original complaint included a XXXX charge for XXXX, I told the to remove that from the complaint because I confirmed I made that charge. I have filed several complaints with the bank, I've filed a police report. I have gone into the bank and met with the manager to discuss this issue, a meeting the bank requested. Everything I have done to prove I didn't make these charges the bank still refuse to refund me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many unauthorized inquiries on my equitably credit report which I submitted a dispute. Equifax did not investigate they only notified me about a week later that these items where authorize in which they were not.
Product: Credit card

Hello, I went to buy a phone at Best Buy with opening a line. I paid for the phone outright but was told that in order to purchase the phone I would have to get authorized for financing. I was told that this was just an authorization, and account would be closed automatically in 5 days upon not using it. I found out that the store representative had opened up a best buy visa card on my behalf, perhaps to get a commission for herself, and believe I was lied to when I was told that this authorization was mandatory when purchasing my phone.
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX from XXXX XXXX of XXXX, AL on XX/XX/XXXX. When I made the purchase I was told that I would have to use Southeast Toyota Finance to obtain financing or they would have to increase the vehicles price. I was ok with going through Southeast Toyota Financing because we had used them before on another vehicle purchase. But the more I think about it the more it bothers me, my husband and I have good credit and we were given a new car rate of 5.49 % which is high in the lending environment today ( or in XXXX of XXXX ). I feel like if we would have been able to use our credit union or shop other banks we could have received a much lower rate. We were pressured into going with a lender who charged a much higher rate than other lenders. They gave me the reason, when I asked, that due to them not getting very many new cars in they would only uses Toyota finance. This is predatory and unfair to consumers. this has resulted in me paying much more for the vehicle I purchased. The rate was never once told to me during this process, everything was signed electronically and went over very fast.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's XXXX XXXX Credit Card was opened on ( XX/XX/XXXX ) problems started from the beginning of purchase card had free interest for ( ) cabinets were not ordered or installed and interest free was up, spoke with XXXX 's and XXXX, cabinets were installed and defective poor working man ship on cabinets and even worse on installation. 

Many months to years of back and forth we had requested arbitration card was paid off and removed from credit and closed. 
XXXX XXXX has re-aged credit account XX/XX/XXXX after falsely showing payments for the last 3 years, on a closed account. ( Inaccurately credit reporting violation of FCRA ) NO payments have made during this time, XXXX is demanding payment on a closed account that was paid in full .... XXXX XXXX has damaged my credit with the late payments on my credit report. 
I must stress no action has been made on this account in 3 years due to paid in full. 

I sent a dispute to all three credit bureaus, asking for investigation of violations of FCRA of XXXX XXXX XXXX, and XXXX sent a letter XX/XX/XXXX states there are no delinquencies reported, which was a fraudulent lie due to the credit bureaus posting lates and dropping my credit score on my credit reports which is supported by the documents dated XX/XX/XXXX This has caused denials of credit which has caused a financial hardship which I want to be compensated a 1000 per violations and further damage to me financially.
Product: Checking or savings account

On XX/XX/XXXX I went into a branch and made my payment. The account had a XXXX balance and it was just paying a annual FEE. I told the manager that I was told the money was supposed to be with drawn from my savings account which has plenty of funds to pay the 1 time {$25.00} fee they charge me a year. I told them to please pay my account and any Fees if had any. They took the funds from my savings account and said I had a XXXX balance. 2 months later they said I did not make my full payment and charged me another {$58.00} dollars and took it from my savings again and reported me late to the credit agencies.
Product: Mortgage

Due to covid I was laid off from work : I live in California and we were completely closed down. I struggled and made payment for the 1st 5-6 after covid started but I depleted my savings. I applied for a covid forbearance plan from SPS and that went back and forth and eventually I was approved for a repayment plan ; which would increase my mortgage payment by about {$1400.00} This doesn't help I asked if they could add the balance to the end of the loan and I have not heard back from SPS. Please help me make my payments again ; I was not late on my mortgage and struggled to make payment through all of 2020. Please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters. Ive already included this in my previous Complaint # & I am including it again. 
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 XXXXXXXX XXXX Balance : {$2900.00} XXXX BANK XXXX XXXX Balance : {$1300.00} XXXX BANK XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX XXXX I XX/XX/XXXX XXXX & XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Mortgage

To whom it concerns RE : Complaint about XXXX XXXX and Roundpoint mortgage servicing LLc. Regarding removing PMI. 

Dear Responsible, I would like to inform you that my house was appreciated at {$680000.00} in XX/XX/2023 and the remaining mortgage was around {$400000.00}. Thus, I have paid more than 40 % of the mortgage. Hence, I qualify for PMI  removal. 
In XX/XX/2023, my Mortgage was transferred by my previous mortgage company [ XXXX XXXX XXXX XXXX XXXX ) ], transferred/sold my mortgage to another mortgage company ( Roundpoint mortgage servicing LLc. ). 
According to the documents and rules sent by both XXXX and Roundpoint mortgage companies that during mortgage transfer 60 days are provided to pay the mortgage without any penalty. 
Moreover, Roundpoint mortgage servicing LLc sent the email and in the welcome letter that I should not send the mortgage before XX/XX/2023. However, I sent the mortgage on XX/XX/2023. Thus, sent before less than 30 days due date. 
On XX/XX/2023, Roundpoint mortgage servicing LLc denied PMI by giving the reason that The loan to value ratio, based on original property value, does not meet the agency/investor eligibility criteria. 
On XX/XX/2023, Roundpoint mortgage servicing LLc denied PMI by giving reason that The mortgage loan does not meet the payment history requirements, meaning one or more payments have been XXXX or more days past due within 24 months or XXXX or more days past due within 12 months of the date we received your request for cancelation. 
Note : I always paid my mortgage on time without any exceptions. However, because the mortgage was transferred/sold to another company, which is not in my control. I was instructed to pay late after XX/XX/XXXX, as the system of Roundpoint mortgage servicing LLc was not established to receive my mortgage. Thus, I have no fault and followed all the rules and paid the mortgage on time always. 
Thus, this harassment must be stopped, and my PMI should be removed effective from XX/XX/2023. Moreover, I should be compensated for this unnecessary suffering. 
I have attached all the required documents ; please let me know if any other relevant document is required. 
Thank you very much and with regards.
Product: Credit card or prepaid card

am having trouble trying to get verified with my Citi Bank Credit Card everytime i call customer service they are giving me a a hard time trying to verify the phone number register on my account and Citi Bank Place a restriction on my Credit Card due because of this issue and i cant use my account or use my credit card with citi bank and i paid {$200.00} Dollars to open this secured card with citi bank and i dont understand why citi bank is giving me a hard time and no letting me use my card and my account for verification purposes and i really should not be having this problem please help me with this problem
Product: Checking or savings account

They suspended my account with no legitimate reason I have sent documents in which they requested and the still won't unsuspend my account so I can get my funds