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

On XX/XX/2021, I applied for an extension of credit and a few days letter I received an adverse action letter stating I was denied. I would just like to know what laws and procedures were used to come up with this determination, otherwise it is a direct violation of my consumer rights 15 USC 1602 ( e ) which states credit is my right. Also, they have violated 15 USC 1602 ( o ) unauthorized used. Capital One and Cabelas accessed my credit card, and it did not benefit me. There is an inquiry on my consumer report that proves this transaction took place.
Product: Credit card or prepaid card

My husband and I both applied for a card with Fortiva separately and both got approved for 6 months no interest and a {$1500.00} credit limit. The company did not apply the 6 month no interest to my card and is now refusing to do so saying no I do not qualify.
Product: Credit card

Attached : Snap Shot of JCPENNYS bill. 

I received a bill date XX/XX/2024 to XX/XX/2024 from JcPenney that shows the wrong balance after the problem was resolved through CFPB. It shows purchase of + {$240.00} and a new balance of {$120.00}. I never made a purchase of {$240.00}. I had only my first and XXXX purchase ever and disputed past balance of {$110.00} receipt number XXXX. 

The complaint was access to a secure phone, internet page that did not show a suspicion of fraud, scam from JCPENNYS on caller ID. I could not pay the bill until CFPB asked them to confirm through CFPB because the website was also distorted. I could walk in to a local store and pay the bill after letter on CFPB website from JCPENNEY.

Please view receipt sent to other complaints Re : JC Penney sent to CFPB with complaint form and a payment of {$70.00}. My reaming new balance should show {$45.00} without late fees and interest because of JCPENNYS and XXXX being the suspicion of fraud. 

Sincerely, XXXX XXXX
Product: Debt collection

THE DEBT COLLECTOR MADE FIRST CONTACT ALMOST A YEAR AFTER I MOVED FROM THE SERVICE ADDRESS TO WHICH I WAS ON A BUDGET PLAN ALSO KNOW AS ( XXXX  ) FOR LOW-INCOME INDIVIDUALS. A LETTER WAS SENT TO HELVEY & ASSOCIATES AND ADVISED THEM THAT THIS BILL WAS NOT OWED TO THEM AND WAS PAID DIRECTLY TO FIRST ENERGY. 

I ASKED FOR A DEBT VERIFICATION NOT A VALIDATION AND HAVE NEVER RECEIVED A RESPONSE. THEY HAVE WASTED NO TIME IN PUTTING THIS XXXX CHARGE THAT THEY HAVE NOT VERIFIED ON MY CREDIT REPORTS. 

I ALSO ASKED THEM IF THEY WERE LICENSED IN THE STATE OF OHIO TO ATTEMPT TO COLLECT DEBTS AND NO RESPONSE! THE DEBT WAS AND HAS BEEN DISPUTED AND HELVEY & ASSOCIATES NEEDS TO REMOVE THIS FROM MY CREDIT FILE ON ALL 3 CREDIT BUREAUS IMMEDIATELY OR I WILL FORWARD THIS TO MY ATTORNEY XXXX XXXX XXXX AND FILE FOR DAMAGES AGAINST HELVEY & ASSOCIATES FOR DISREGARDING THE FAIR DEBT COLLECTION PRACTICES AND NOT FOLLOWING THE LAW AND IREPTUIAL HARM. 

PLEASE PUBLISH THIS ON CONSUMERFINANCE.GOV SO OTHERS CAN BE AWARE OF THESE SHADY COLLECTION COMPANIES WHO TRY TO INTIMIDATE POOR PEOPLE. 

THEY ALSO HAVE A BAD SCORE WITH THE XXXX XXXX XXXX HAVING 62 COMPLAINTS WITH IN THE THE LAST 3 YEARS.
Product: Credit reporting or other personal consumer reports

Hello and good day, I have sent out 3 letters to experian about these 2 account. They have not complied with the codes/ statues of the FCRA XXXX They have taken advantage of me. Even after 3 certified dispute letters I still have not been shown proof that these unverified accounts are mine. Why, because they are not. They have had several months to investigate this matter. They 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. Again after several months and 3 certified letters I have not received or shown anything. Why, because these are not my accounts. Attached are copies of the second and third certified letter that was sent, also they were notarized before they were mailed out 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. 

I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX I XXXX Unverified Account XXXX XXXX XXXX I XXXX Unverified Account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have on two separate occasions attempted to have XXXX XXXX give a one time courtesy reversal of my XX/XX/2019 late mortgage payment. There were extenuating circumstance with my Title company on the purchase of my new home. I used to work for XXXX XXXX and have worked on mortgage accounts that have recieved a negative credit reporting reversal. They are refusing to do the same for me. I am stating they are operating under unfair business practices. I have stated numerous time this is not a XXXX XXXX error, I am asking for what I have done to other accounts in the recent months.
Product: Checking or savings account

XXXX sent information to your institution indicating they reimbursed my {$1000.00} but the money they put in on XX/XX/year> was reversed on XX/XX/year> and I want them to give you the correct information. I have attached XXXX screenshots of those transactions for your reference thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  is on my credit history and have no clue why its been on my credit report I lived with some people during these things on my credit report occurred on my credit history in my birth certificate and social security card and Id got stolen from me in then started realizing that there was all kinds of credit card was applied for under my information in then my credit is ruined because of other people who still peoples identity its sad how people are now days I shouldnt have to struggle to get this XXXX off my credit history because of how hurtful someone would just steal someone identity in use the person information just so they can get people thinking that its the person whos identity who was stolen in then takes forever just keep disputing the things I didnt apply for or had nothing to do with still struggling after a couple years of constantly getting it off my history people just dont care
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA continues to report my account as a joint holder when the account belongs to my son i have no knowledge of the account. I requested from USAA documents showing my signature that i authorized to be a joint account holder and received nothing from USAA. 
Also i have disputed this numerous times with XXXX and they stated that they verified. i also requested under FCRA method of verification and they failed to respond
Product: Checking or savings account

These entities have charged excessive fees and many in which I am unaware of or can not associate to any agreement. A report to IRS is being made to ensure each company is audited as well.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S. Code 1681e { b ] Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S. Code 1681i [ 5 ] Treatment of inaccurate or unverifiable information [ A ] In general if, after any reinvestigation under paragraph [ XXXX ] 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 [ ii ] promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Please remove the following items from my credit report, immediately : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a call from pnc XXXX XXXX on XX/XX/XXXX roughly asking me if I had made a charge to XXXX for {$980.00} and I immediately responded stating I didnt authorize or Make this charge and I then was escalated to a associate who waited while I searched for my card and realized it was gone. He cancelled it snd issued me a new card but said I couldnt it proceed with disputing this transaction until it posts. Which was insane to me, whats purpose of the fraud phone call If it doesnt stop the charge in first place? Mind u, I have waited over a year for my stimulus arguing with government and finally got it for {$1400.00} this same day XXXX. The money posted on XX/XX/XXXX and I immediately called back Pnc and placed a dispute. I do not have XXXX XXXX in home but do have the cell phones still but never ever allow any company besides XXXX to charge my card monthly without me seeing the statement first etc. for this reason in particular. So there has been charges to XXXX XXXX in past for much much less of course maybe $ 200 monthly for our phones total. I waited 10 days and called back a 3rd time to check status and I panicked bc no provisional credit was given back to me and I had to pay rent but couldnt now. Im unemployed and survive off my husbands pay with XXXX kids. I was informed bc I called them..my claim was denied bc something to do with a past pattern of charges to them. They claimed my card number and security code snd address all matched. I dont know if the purchase was made online or in store bc no one told me anything I didnt receive anything written from bank nor did I receive a provisional credit. I am under duress like going through an extreme hardship right now so I started crying and told them to dispute it again. Why would I ever ever try to cancel the charge while it was processing from day 1 if I had made it somehow? The lady was rude and I said my Money is supposed to be insured or protected and nowhere did I now feel like my funds are safe with them after having banked with them nearly 5 years now. I desperately need my money back while they complete a real investigation they couldnt tell me what steps they took to investigate the situation at all and basically decided for me making me feel like a liar. She said I wont get a provisional when I asked for it and couldnt tell me why Im not entitled to one when nearly every dispute allows it. I need help someone to actually find out what happened here and make it right. I cant pay rent and I was waiting on that stimulus forever only for some random company to take 3/4 of as soon as my deposit hit the back how the XXXX did they know the money was going to be avail like that in order to take it so fast? Im so suspicious now if they were alerted to the deposit or what but something isnt right. Whether Ive shopped there or not in the past isnt enough of an investigation for them to stonewall me and say whelp thanks for 5 years of banking loyally with us but ur screwed. Can you please help me????
Product: Debt collection

This complaint is a continuation from previous CFPB complaint XXXX and escalation as KIA has taken more egregious actions without every providing a response and resolution for their initial illegal payment application and collection actions. 

KIA has continued to apply our auto debited payments that are required to be applied to the payment illegally, and have applied to them to the annual tax advance. In consequence, their system has flagged us as delinquent, now by 79 days. This is after we had made a payment previously to KIA and filed a complaint for the same said activity, to which they provided no excuse or even response to that said portion of the complaint. 

KIA has now moved into theft of our personal property as part of their illegal collection and recovery activities. On late as XX/XX/XXXX, they auto debited a payment from our account that should have been applied to the monthly payments as per contract and legal requirements. However, they continued to apply these payments incorrectly and then made the decision to repo the vehicle less than a month later on XXXX. 

Again, they have now illegally applied payments incorrectly and repo 'd a vehicle within a month of the last payment from customers who have been with KIA for 5+ years and had our account on auto draft for payments. 

This has caused significant mental anguish, pain and suffering and if KMF does not take the appropriate actions, we have now started the process to retain legal council to start a suit against KMF.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have made several attempts to remove a security freeze that I initially placed with Experians Clarity Services. Clarity services has repeatidly refused to remove the security freeze even after I provided them with the current and accurate PIN that they provided to me.

Clarity Services continues to state they need me to send them a copy of my Social Security Card, wwhich is personal and confidential and they have already verified this information which enabled them to place the freeze and issue a PIN.

Claritys actions has caused numerous credit applications to be denied due to thier refusal to remove the freeze as requested.
Product: Credit reporting or other personal consumer reports

My credit report and score from all three bureaus are incorrect. With Equifax leading from the XXXX bureaus with a incorrect report and score. My score from XXXX is currently at a XXXX using the XXXX score XXXX. 
Equifax reports my XXXX card balance at {$190.00}, this is incorrect information. I had XXXX send XXXX different off cycle reports ( XXXX and XXXX of XXXX ) to Equifax stating the XXXX balance and no changes have been made. My monthly cycle statement has not been reported either and that automatically should report by the XXXX of every month. 
Equifax uses the scale model XXXX XXXX for scoring reports. Credit utilization makes up 20 % of the model scale equal to XXXX points from the most of XXXX points The incorrect balance of {$190.00} dollars from my XXXX card uses 19 % of my utilization taking away XXXX points from XXXX points leaving me with a XXXX  XXXX score of XXXX scoring points. 
This information needs to be updated and corrected, thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my updated credit report and saw there were a Bankruptcy on my credit. I have never filed bankruptcy chapter XXXX discharged ref # XXXX and this information reporting is not correct. Please have this removed from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

NONE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

Binance.us Is refusing to delete 2 crypto currency accounts created using my social security number. I have attempted to resolve this issue for 2 years to no avail. 

I have made daily communications with Binance.us account representatives and have records of them refusing to delete the accounts as well as refusing to consolidate them and allow me access.
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 for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXX XXXX Balance : {$3600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX XXXX XXXX Balance - XXXX XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance - XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance {$320.00} XXXX XXXX XXXX Balance - Bankruptcy XXXX  XXXX XXXX on XX/XX/XXXX Reference number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX
Product: Debt collection

Collection agency name : Pro Collect Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account number : XXXX and XXXX Your NAME : XXXX XXXX Your address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear XXXX XXXX XXXX I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of th
e debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt. 
5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my credit to try and untain a auto loan