23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX XXXX, I noticed {$150.00} membership fee on my Delta Gold Card which I have never seen before and have only had the card for 2 years. I went online and did a chat regarding the excessively High membership fee and suggested there really wasn't a value for such a high cost, which there is not. I asked to have the amount reversed so I could resume being a customer but they said they could not. Delta chat supervisor suggested that I could open a new card and have all but one month reversed.I told them that I at this point I do not trust them because of this hidden membership fee which has never been clear on the billing statement. I'm complaining as they will not reverse the {$150.00} fee So I can cancel this card.
Product: Debt collection

Hello, I received a call from XXXX XXXX XXXX XXXX XXXX at approx. XXXX XXXX on XX/XX/2017. This call was from a representative of XXXX XXXX credit cards collections department. The call resulted from my account being 115 days past due. I ask the representative what would happen if my account was more than 120 days past due and the rep stated the account would be charged off, negatively effecting my credit. I explained to the rep that I was experiencing a financial hardship and the difficulty involved in me being able to make a payment. The rep restated that their policy was to consider the account for charge off after 120 days showing complete disregard to his companies actual policies which can allow an account to be delinquent for up to 180 days before being considered for charge off. A simple notation on my account stating my intentions of paying should have been enough to delay any actions. After double checking his companies policies, the representative stated that he had been incorrect in his prior answer and stated a charge off of the account would occur within 150 days instead of 120.
Product: Debt collection

VALENTINE & KEBARTAScalling fromXXXX XXXX XXXX called me almost XXXX timeswithin the past few monthsDo not have debt owed to " VALENTINE & KEBARTAS " They have been told to stop harassing me with these constant never ending phone calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lived with groups of friends in XXXX XXXX and XXXX XXXX  and I been seeing debts on my credit report that doesnt belong to me. Hard inquiries And I have tried filed disputes and still nothing seems to work.
Product: Credit card or prepaid card

I applied for a Paypal Cashback Mastercard from Synchrony Bank while I was going through a difficult time. This was in XX/XX/2018. I had just been evicted from the house I was renting and didn't have much money. They gave me a very generous credit limit, but due to certain obligations while I was staying with family, it quickly got whittled down to almost nothing. I was making the minimum monthly payments with no problems at first, but soon I noticed they started to increase my minimum monthly charge a little more each time. Some months it was as high as {$97.00} - higher if I couldn't afford to cover it. XX/XX/XXXX charge was {$73.00} and last month 's was also {$73.00}. I cancelled the card last month because I couldn't deal with it any more, paying that much every month and only the barest scraps were being applied towards my overall debt with the rest being eaten up by unreasonable fees, charges, interest, etc. I asked if they could reduce the amount due to my hardship but they refused, stating the fees, interest rates, APR, etc. were all pre-set at a certain limit. The card is no longer active and they are still charging me ridiculous amounts even when I can not use it. The last statement I got said I owed {$73.00}. I paid that, but only about {$20.00} of that went towards the whole amount ; the rest was interest on purchases ( XXXX for purchases and XXXX for cash advances ). My current APR on this card is 28.99 % which is ridiculous and I think they themselves know it and just took advantage of me due to my poor credit history. These people are predatory and should not be allowed to trap people into financial slavery like they do.
Product: Credit reporting or other personal consumer reports

Transunion is reporting an old closed account from 2 separate collections and with inaccurate info on both. They are trying to re-age the debt. Two of my Transunion reports have the same account but with different info for both. It needs to be deleted immediately.
Product: Mortgage

Beginning XX/XX/XXXX we reached out to CMG mortgage as it was discovered that they did not pay our taxes. On this day after speaking with a representative we discovered that they had been charging us double the amount for our property taxes and also did not pay the town office. The payment of the taxes is now resolved. However, CMG is still charging us {$3100.00} bi-annually instead of annually. Therefore, our bi-annual amount should only be {$1500.00}. I have attached a screen shot showing that the tax amount of {$3000.00} is still scheduled for XX/XX/XXXX despite our attempts at correcting the amount. On XX/XX/XXXX CMG responded stating they would review our complaint and update the account by XX/XX/XXXX. There was no update until XX/XX/XXXX. I logged into my account to find a letter stating an escrow analysis had been completed and we now had an escrow shortage because the tax amount had still not been updated and our mortgage increased another {$130.00} per month. I called that day because the analysis should have reflected a lower tax amount and thus a lower monthly payment not a higher monthly payment. The representative said another analysis is scheduled and will " be resolved a couple of days ''. We have since called and spoken with numerous customer service representative who tell us each time the problem has been submitted and promised it will be resolved in " a couple of days. '' We have called on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and each time we are not able to talk with anyone who can help. I was told XX/XX/XXXX that our account shows our correct mortgage to be approximately {$2400.00} but right now our current payment is {$2900.00} therefore, our mortgage company is over charging us by approximately {$500.00} a month.
Product: Credit reporting or other personal consumer reports

I recently looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. I understand that you will look into these items for me to ensure they are accurate. Here is the item I am asking you to verify as accurate : Equifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I wanted to short sale this property and I called GMAC mortgage and they advise me that I would have to go late XXXX days on the mortgage to do a short sale. They put me info forclosure at the same time as the contract was submitted to them. I was n't in forclosure at all and I was XXXX days and not XXXX days. Doing exactly instructed by GMAC mortgage. This loan was closed by XXXX/XXXX/2012 and property listed for sale XXXX and contract was signed XXXX/XXXX/12 by seller and buyer. I have attached copies of documents. Showing this was never into forclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XX/XX/2022 -XXXX XXXX XX/XX/2022 -XXXX  XX/XX/2022 XXXX  XX/XX/2022 -XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 -XXXX XX/XX/2022 -XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 NEGATIVE ACCOUNTS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX -XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 an account without my written instructions.
Product: Debt collection

There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

So I then asked them to provide me a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description.

But they did not do that as well either.

They are also breaking these laws as well below : According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair Credit Reporting Act ( FCRA ) to conduct a conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed accounts, as XXXXXXXX XXXX inaction violets federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Date : XX/XX/XXXX RE : Last 4 of XXXX XXXX To Whom It May Concern, On XXXX of XX/XX/XXXX, I disputed an account reported by Self Financial Lead XXXX in the file you maintain under my social security number. 
I was informed in XX/XX/XXXX that the item was deleted from my credit report. 
Now I have discovered that the item has been reinserted on my credit report. 
In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. 
( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
I received no such notification. This is a very serious violation of the FCRA, and I reserve the right to pursue legal action for your blatant disregard for the law. I hereby demand that you immediately delete the item from my credit report in order to avoid legal action. I am submitting this complaint separately to the Consumer Financial Protection Bureau, the Attorney Generals Office, and the XXXX 
Please govern yourself accordingly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX Cc : Consumer Financial Protection Bureau ; Attorney Generals Office ; XXXX XXXX XXXX
Product: Credit card or prepaid card

XX/XX/2021 Contact - Spoke with Amex Bluebird XXXX and Supervisor " Mr. XXXX '' ( worst supervisor role playing customer service XXXX ever! ). Bluebird Account closed and I have no way for paying for XXXX  XXXX  prescription. They hold all the money I have to pay to basic living expense. 
Amex Bluebird - XXXX and Supervisor " Mr. XXXX '' ( worst supervisor role playing customer service XXXX ever! ) stated they will just have to request a check to be sent -That 's another 7-10days with out money for basic living I stated no you should unlock my card and I will withdraw all my funds IMMEDIATELY! 
The dispute of {$85.00} if FRAUD - NO SERVICE was Render, it part of state Attorney General law sue of XXXX XXXX  XXXX  FRAUD SCAM. SAME SCAM in Nevada and I reported to Nevada Attorney General  XXXX. Attorney General XXXX XXXX announced his office filed a Consumer Fraud Lawsuit against XXXX XXXX XXXX for allegedly making false promises to consumers who purchased a home warranty policy. The lawsuit alleges XXXX XXXX XXXX collected millions from Arizona consumers, but used contract exclusions, payment caps, and bad-faith refusals to avoid paying for repairs.Then the vendor charges {$85.00} prior to denial by XXXX leaving the homeowner with NO SERVICE RENDER. SCAM. SCAM. SAME SCAM IN NEVADA with XXXX XXXX  Plumbing! /the {$85.00} is FRAUD- NO SERVICE RENDER-ADVISE XXXX XXXX XXXX  {$85.00} IS FRAUD - NO SERVICE RENDER!
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian report # XXXX Account number # XXXX was deleted from my credit report for second time First time was deleting from my report with report number # XXXX Account has been reinserted in my credit report report violet my right because is result identity theft never received proof of your investigation. 
I disputed the referenced accounts above on. The credit report of shows these items were deleted from my credit file. Now these items have been reinserted on my credit report. In accordance with the requirements of the FCRA as stated below, I am hereby requesting your complete compliance with any and all of the provisions : FCRA? S 611, Procedure in case of disputed accuracy [ 15 U.S.C.? S 1681i ] Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing no later than 5 business days after the reinsertion date. ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. I received no such notification. This is a serious violation of the FCRA, and I reserve the right to pursue further action. Your agency may avoid such action by immediately deleting this listing from my credit report
Product: Credit reporting

Items were added to my credit report without prior written notification Per FRCA Section 611 all items must be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts Due to no response for more than 60 days I would like these accounts removed from my credit Report
Product: Credit card or prepaid card

Please reconsider my credit limit which was {$8000.00} from my initial application on XX/XX/2021. I recently purchased a home with my husband and we both applied to XXXX XXXX. We applied separately he got approved for {$2000.00}. I got approved for {$8000.00}. I have since from the date of opening my account paid every last payment on time. No lateness. My account has been current and in good standing. We applied because as a homeowners it makes since to have an account for projects. We were contemplating on adding a sunroom to our new home. On XX/XX/XXXX I get a alert XXXX in the morning which stated I was nearing my credit limit. This alert was set by me to message me when I spend close to my limit. The alert alarmed me I thought fraudulent activity on my account because I knew I was using only XXXX percent of my credit limit my balance was {$38.00} so I called Citibank that day when they opened and the representative told me they do a yearly review and decreased my limit. I find this not to be true my mother has a {$10000.00} limit and my husband opened his account and his account was not reviewed or limit decreased as a lot of other people I have researched. The representative was very nasty and ignorant and quote you lucky they did not close your account. They took {$7500.00} away and left me with {$500.00}. The representative spoke to me like I was a criminal or as if I was not paying my bill. I DO NOT HAVE ONE blemish on my credit. I have no derogatory marks on my no collections no lateness ABSOLUTELY NONE. I established credit XXXX  years ago I always use to purchase with cash. So I decided to get some credit cards. I recently purchased a new home used my Wayfair card to purchase all new furniture for our home along with other cards I have. No other company decreased my limit and review my account without my permission and on top of that didnt even notify me. All my accounts on my credit report are current and no late payments. Since Covid I notice the credit bureau are only reporting when your usage go up but not when you pay your card balance down. Taking {$7500.00} from my credit report for no reason when my account was current and showing a balance of {$38.00} is not ethical and brought my score down. My balance is XXXX as of to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT GIVE OUT MY PERSONAL INFORMATION TO ANYONE RANDOMLY. I BELIEVE MY PERSONAL INFORMATION WAS COMPROMISED AND EXPOSED THROUGH THE USE OF ONLINE SERVICES WHILE APPLYING FOR CERTAIN THINGS ON THE INTERNET. Yesterday I checked my credit report. While doing so I see iterns and inquiries that aren't mine. I don't understand what's going on but these items and inquiries are not mine and the all need to be deleted from my credit report. I got in contact with the police and FTC. Please help me.