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

On XX/XX/2018 I spent a night at XXXX XXXX XXXX XXXX XXXX and I went to an ATM to make a small cash advance. The machine did not dispense money and I promptly contacted security in the casino and never left the ATM. When security responded I explained that the machine did not dispense money and she told me that I had to call my bank.. Having not moved from the ATM I called Pentagon Federal Credit Union to report my problem. I stood there approximately 20 minutes while they took all pertinent information. After a long wait the representative told me it would be taken care of. I went to a different ATM and took two small cash advances which went through without a hitch. When I came home I noticed that Pentagon Federal Credit Union had the disputed amount in a pending file on my credit card account. After 3 days they simply added it to my total credit car balance, knowing I did not receive the advance. I called PFCU twice and spoke to representatives who assured me they would handle this issue. 
Nothing changed. On XX/XX/2018 I called PFCU yet again and this time I asked the agent to allow me to speak to a supervisor since the agents were doing nothing more than making assurances they could not keep or perhaps lying might be a better term. The supervisor said he would look into my issue and call me back no later than Tuesday XX/XX/XXXX. Needless to say no call came and I am still stuck with no resolution. Every ATM has a camera and on top of that I was in a casino hotel where you are under surveillance every second unless you are in your hotel room or the bathroom so they know full well that the machine never dispensed money and it relatively simple to verify if they made the effort. Moreover the Cas advance fee and dollar amount should not have immediately been posted to my account without PFCU even bothering to check. I have just submitted forms to discontinue any direct deposits to PFCU since they simply can not be trusted. In addition I intend to pay off my PFCU Visa with the exception of the disputed amount and I will close the account, however I will never pay the amount I did not receive. I would rather face this in court out of principal.. I hope that you are able to get a satisfactory answer and explanation as to why. By all means share this information with others. In my view these people can no longer be trusted. I am stuck with PFCU for my mortgage loan but as long as I live I will never trust them again. I need a financial institution that has integrity and is responsive and can give me straight answers. Pentagon Federal Credit Union is not one of those institutions
Product: Credit card

Dear XXXX XXXX Customer Service, I am writing to address an issue with the payment history reported for my XXXX XXXX credit card account. The account was opened on XX/XX/XXXX, and is listed as closed with a status of " XXXX '' for {$330.00} and written off. The credit limit was {$400.00}, and the highest balance was {$560.00}. 

The payment history for this account as reported on my credit report is incorrect, specifically from XX/XX/XXXX to XX/XX/XXXX. According to the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX, it is required that furnishers of information to credit reporting agencies provide accurate and up-to-date information. 

To resolve this issue, I request the following actions be taken : Correction of XXXX XXXX : Please update your records to reflect the accurate payment history for this account. The inaccuracies for the period from XX/XX/XXXX to XX/XX/XXXX should be corrected. 

Confirmation of Update : Once the correction has been made, please provide me with written confirmation that the payment history has been updated. 

Reporting to Credit Bureaus : Ensure that the corrected information is reported to all relevant credit bureaus, including Experian, to reflect the accurate status of the account.
Product: Credit reporting or other personal consumer reports

It has come to my attention that this bankruptcy is not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. It states that the US bankruptcy court is the furnisher, but I asked the bankruptcy court do they report data to any data furnisher and they replied they dont. If they dont furnish any data to you guys then there is no way that they are the data furnisher instead its actually you that are the actual furnisher and this account is reporting inaccurately. ThereforeBankruptcy XXXX XXXX-dismissed Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX WI XXXX Bankruptcy XXXX 7-discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX account ) should be removed from my credit report entirely for false reporting!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX ( Original Creditor : XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 3. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit card

I was one day late on my care credit payment and charged a XXXX dollar late fee. Per the new rules, this should only be XXXX dollars. Due date is the XXXX if every month. I paid it but know the fee is an overcharge due to the new rule
Product: Credit reporting, credit repair services, or other personal consumer reports

there are accounts on my credit report that does not belong to me I AM NOT AN ATTONERY OR THIRD PARTY REP. I am an American citizen who knows my rights and according Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and Section 623 of the FCRA you are required to promptly DELETE all information which can not be verified or reported inaccurately. the accounts that are mines : -XXXX XXXX # XXXX {$710.00} XXXX XXXX XXXX XXXX XXXX XXXX {$920.00} -XXXX XXXX # XXXX -XXXX XXXX # XXXX {$800.00} -XXXX # XXXX {$0.00} -XXXX XXXX XXXX  # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was requesting a credit line increase. However, I was never told it was going to be a hard inquiry to pursue a credit line increase until the very end of the call. At that point, I declined to pursue the credit line increase, and the call ended. However, a few minutes later I got a notification about credit activity and the hard inquiry was done anyway, even though I gave no consent to do so. I reached back out to the creditor and they said they'd look into it. I have the letter stating the creditor admits to pulling my credit report prior to receiving my notification but will not remove the inquiry from my report. Therefore, I'm enacting my right from the Fair Credit Reporting Act Section 1681, and would like the {$1000.00} fine from the creditor for the erroneous inquiry since they will not remove it from my credit report. 

The creditor is Citibank, N.A., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SD XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is trying to charge my bank card for a monthly membership for which I have never agreed to every time I log into the website it props me to provide credit card information for which I have never provided to them except for one instance when I had to provide a bank card to verify my identity, but I never gave them permission to charge me because I dont feel like their services warrant {$30.00} a month
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 



XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXXXXXX XXXX XXXX ( Original Creditor : 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking the rates I would get for credit cards and was instantly approved and issued a card. This makes my credit score weaker since I now have a lower average length of time with accounts opened. I don't understand why you can't just check w/o having a credit card issued. I did not and do not want that credit card or the negative impact it has made on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed all 3 credit bureau 's XXXX, XXXX, and Experian that my Chapter XXXX Bankruptcy has incorrect information such a the court is listed as Federal and US BKPT Ct GA XXXX. Also it has been brought to my attention that the clerk 's office does not report any information to the credit bureua 's.
Product: Credit reporting, credit repair services, or other personal consumer reports

1

5 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 st
ates a consumer reporting agency can not furnish an account without my written instruction.

15 U.S. Code 1692g - Validation of debts : I was not provided with any debt validation or proof of investigation from the CRA. 

XXXX, XXXX. 
Original creditor : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXXXXXX XXXX XXXXXXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX Original creditor : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Im being treated with malicious contempt and being taken advantage of by Bread Financial ( XXXX XXXX XXXX  ) issued by Comenity Bank. In XX/XX/XXXX I promptly closed my account after returning the one and only product that I purchased using the closed my XXXX XXXX XXXX XXXXt ) issued by Comenity Bank. In XX/XX/XXXX I was contacted by ( XXXX XXXX XXXX  ) issued by Comenity Bank saying that I owed a final balance of {$29.00} because they were making me pay for the return shipping, however I paid for the shipping myself at the USPS store. I knew then that the ( XXXXXXXX XXXX XXXX  ) issued by Comenity Bank was a scam and fraud so I paid the {$29.00} and verified that I had a XXXX balance on my account with the customer service representative who took my payment over XXXXhe phone. Durning the entire month of XXXXXXXX  I heard nothing from XXXX XXXX XXXX XXXX  ) issued by Comenity Bank and I didn't expect to ever hear from them again because my account was verified as closed with a XXXX balance. However on XX/XX/XXXX at XXXX I received a email from ( XXXX XXXX XXXX ) issued by Comenity Bank ask if I was receiving a tax refund this year so that I can pay them {$63.00} in late payment fees. I immediately contacted ( XXXX XXXXXXXX XXXX  ) issued by Comenity Bank customer service and asked to speak to a supervisor. I was transferred to XXXX a Senior Account Specialist and I explained, that I returned the one and only product that I purchased from XXXX and that I paid my final payment of {$29.00} and verified that I had a XXXX balance and that my account was closed. She responded that my since I closed my account ( XXXXXXXX XXXX XXXX ) issued by Comenity Bank can continue to charge me late payment fees even if I was never late paying. I respectfully disagree with XXXX and explained that I was never late paying, never received a statement nor notification that I was late paying and most important it's impossible to pay late in XXXX or XXXX because I had a XXXX balance and my account had been closed. Therefore, I sincerely believed that the Bread Financial ( XXXX XXXX XXXX ) issued by Comenity Bank business practice is a scam and a fraudulent.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting AXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Listed XXXX XXXX have 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. An account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that the credit bureaus will investigate this account for me to ensure accuracy. 

Here is the account I am asking you to verify as accurate : Accounts Name : XXXX  XXXX XXXX Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I contacted TransUnion with a letter containing inaccurate information. They updated some of the information but failed to correct the following information : Inquiries : XXXX/XXXX XXXX -XX/XX/XXXX,  XXXX/XXXX  -XX/XX/XXXX In addition, there continue to be incorrect addresses that also appear on my credit file. Please delete the following : XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX. 
I am further disputing the late payments reporting on the following accounts. I was not late on any of these payments : ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX My previous Employer was XXXX XXXX XXXX, please remove XXXX XXXX  from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian claims that I didnt authorize my own complaint. Please investigate and delete the following disputed accounts : 1. XXXX XXXX XXXX  - Account # XXXX 2. XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice i had fraudulent accounts on my report. please remove these accounts from my report, they are hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : Experian : XXXX XXXX XXXX Balance : {$560.00XXXX XXXX XXXXXXXX Balance XXXX {$2100.00} XXXX : XXXX XXXX XXXX Balance : {$560.00} XXXX : XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX Balance : {$2100.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit report notification from XXXX. Upon downloading my report, I found a fraudulent personal loan on my account that was issued by GoodLeap LLC for which I have no knowledge of. Upon calling Goodleap and providing my name, they assured me that there is no personal loan under my name and that I should have XXXX and XXXX contact them to remove the account from my credit report. I disputed this account with XXXX and they said that this loan information came back as accurate with someone named XXXX XXXX ( under the impersonator address XXXX XXXX XXXX XXXX XXXX, CA XXXX ) opening a joint account at Goodleap that has some association to my name I would like to file a police report of fraudulent activity and note that my identify may have been stolen and fraudulently used to issue a personal loan to someone who I do not know and have no association with
Product: Debt collection

XXXX XXXX XXXX  has been calling me almost 2X 's a day ( or every other day ) for the past 2 months. I've spoken to 2 agents. I spoke with an agent about a debt they have stated was owed to Speedy Cash-loan company. The agent stated that they bought my information from Speedy Cash. He couldn't tell me the year the so called debt was unpaid. I advised that I have used this agency before many times & paid my loans. They have started sending me letters & stated that they will keep reporting this as a debt on my credit. I asked how did they by my information, the agent did not know. I kept telling the agent that this is incorrect. I called the Speedy cash that I went through on XXXX XXXX, in XXXX, Tx & they no longer have anything on me that is passed due. I am a regular person & have also been hack around XXXX from my XXXX account. I have deleted that account & submitted a complaint about being hacked to the XXXX site along with documentations on the hacking. The agent also mentioned to me my current banking association & I informed him that the bank he mentioned was incorrect, so I hung up the phone as I realized that this might be another scammer/hacker trying to steal more personal information from me.
Product: Credit card or prepaid card

I am writing to you because I could get no response or resolution with Synchrony/Pep boys card. For over a year or more, I have been overcharged in interest rates where my monthly payments have been over {$350.00}. I received a letter in the mail from Synchrony dated XXXX/XXXX apologizing about the errors in the amount of interest rates I was charged and that it had been corrected. I then received another letter from Synchrony dated XX/XX/XXXX that my interest rate went down to 21.98 when I was being charged 29 %. The low interest rate lasted for only XXXX month where I was charged {$280.00}, which was due on XX/XX/XXXX. There after I continued to be charged over {$350.00}. I then received my statement for XXXX, where I found a purchase for {$670.00}, I did not make and my credit card account was over the limit. I have never missed a payment and never had an over the limit statement with this account. I called Synchrony and wrote to them regarding this issue. The CSR I spoke with on the phone stated that my account would be credit. I checked my emails on the pep boys site under my account where I found a response from the email, I sent them. The email received embodied a dispute form they stated needed to be completed and faxed for investigation. I completed and faxed it back on XX/XX/XXXX and have called to follow up on the status several times. I was told it would take a couple of weeks. Here we are in XX/XX/XXXX and I still have heard nothing, verbally, through email or mail. I have continued to make monthly payments, although my account still comes up over the limit every month. My credit report has been ruined, and the {$670.00} purchase has still not yet been removed. I sent an email to Synchrony to close the card yesterday XX/XX/XXXX out of frustration because I have not received attention on this matter. I feel that I have been disrespected and taken advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 XXXX XXXX, received the following phone text from XXXX : Re : Your EQUIFAX acct. has been temporarily frozen for fraudulent activity! Please resolve Immediately : XXXX XXXX XXXX ( tap to load preview ) Went online to check out who XXXX is. Nothing comes up. The only XXXX  to be found is on XXXX for a craft ( and other offerings ) site named XXXX. 

I did not contact Equifax since this XXXX  site doesn't exist. I knew immediately that this is a FRAUD OR SCAM.
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 : Account Number:XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account NumberXXXX Account Name : XXXX XXXX XXXX : Account Number:XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I was going through Auto Loan options through pre approvals/match on XXXX where I did not even provide my full SSN. A few minutes later, I got a Hard Inquiry from XXXX XXXX  on my report. I immediately called them and the representative on the phone told me that they can not remove the inquiry but can only notate the account that it was unauthorized. They stated that I should call the credit bureau and dispute it with them. When I called Experian, the rep there suggested I reach out to CFPB and file a complaint.
Product: Vehicle loan or lease

Ive made multiple call and attempts to report my payments to the credit bureau. The last attempt was XXXX. No resolution. I have made nine payments on time on this loan.