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

I am filing a complaint against Kohls Credit Card company, regarding a credit card that belonged to my deceased mother XXXX XXXX. After contacting Kohls to inform them of my mothers death, I believe they decided to fraudulently add my name to the account as a Primary account holder. When I asked them why my name was placed on this account as the Primary, they stated that I was secondary before and not an authorized user, so this gave them authority to make me Primary account holder. I then requested documentation to prove that I signed up as a secondary account holder, they stated they could not provide that proof. I then stated that all statements, documentation and correspondence has always been addressed to XXXX XXXX, not XXXX XXXX and XXXX XXXX as it should be when a person is a secondary account holder, they could not give me an answer and just stated that I was a secondary. They then decided to lock me out of the online account and changed all info related to my mother, at this present time I still can not access this account that is supposed to belong to me as a primary. This is so ridiculous and pretty much illegal if I could be frank, especially when they are not provided any proof. If they were to provide proof that I signed an application as a secondary account holder, I would take full responsibility of this account. I am requesting that Kohls remove my name from this account as the Primary card holder.
Product: Vehicle loan or lease

Santander Consumer USA settled a multistate lawsuit with 33 states. The settlement resolves allegations that Santander violated consumer protection laws by exposing subprime consumers to unnecessarily high levels of risk by placing them into auto loans that Santander had determined had a high probability of default. 

My loan met the same criteria. I purchased my vehicle in XX/XX/XXXX and defaulted before XX/XX/XXXX. I've attached my loan documents for your review. 

I received notice from the MD Attorney General 's office outlining the relief I'd receive as a result of the settlement. I would receive a restitution payment and loan deficiency balance waiver. Neither of these have happened. Santander has only made payments to 2 entities so far. It has filed a motion with the NJ Bankruptcy court to have my chapter XXXX vacated so that it can repossess my vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has came to my attention that XXXX XXXX XXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith and ruin my financial livelihood. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation in writing of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. 

Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. 

XXXX XXXX XXXX is in breach of their fiduciary duty and has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act.

I hereby disaffirm any alleged agreement or contract, whether implied or explicit, between I, the consumer and XXXX XXXX XXXX. This account with XXXX XXXX XXXX is a billing error. Please provide me with documentary evidence of the obligors indebtedness. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. 

Until the requested documentation is received, this request for documentation shall be treated as a billing error and an erroneously billed amount undersection 1666 of title 15. XXXX XXXX XXXX, as the creditor, may not collect any disputed amount. As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress.
Product: Credit reporting or other personal consumer reports

Your Company USAA FSB is furnishing inaccurate information to the consumer reporting agencies.

The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes.

The continued reporting of this inaccurate information is a clear violation of the law 15 USC 1681 s2 of your responsibilities as a furnisher of information USAA FSB XXXX Balance : {$22000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA and FDCPA. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX
Product: Checking or savings account

{$500.00} was taken out of my bank account by Huntington Bank without prior proper notice. Amount was taken out on XX/XX/2018. Call was made to Huntington customer service on XX/XX/18 and I was told their collection agency took out the money and there was nothing they could or would do. Calls made to Huntington 's collection agency on XX/XX/2018 resulted with the same results. I also requested a research of the transaction on XX/XX/2018
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER:XXXX  as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent INOUIRIES from my credit report. XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and 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 : 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

Recently my credit score drop over 100 points because Experian is showing two serious past-due mortgages. My report should only reflect one mortgage. Also, the two mortgage servicers XXXX XXXX and XXXX are one and the same. I have attempted to dispute this with Experian, but they have refused my dispute
Product: Credit reporting or other personal consumer reports

I discovered unauthorized inquiries on my credit report today, and I don't understand why. I usually check my credit report regularly, but this time, there were sudden discrepancies. I refreshed my browser, hoping it was a technical error, but the inquiries persisted. Consequently, I am asking for a detailed review of the documents I've submitted to ensure this issue is resolved for good.
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. 

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX 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 XXXX 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

This is a complaint against XXXX XX/XX/XXXX XX/XX/XXXXThe reason why I am writing this complaint is because on my Transunion, XX/XX/XXXX, and XX/XX/XXXX credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

I did not approve no company to inquire about my credit. 
I have closed accounts on my credit that is automaticlly reporting every month, that is not legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. Sec. 1681i ( a ) I heard that if you cant provide proof, these accounts must be deleted. Well i want these accounts deleted if they are not percent right and correct.
Product: Credit reporting or other personal consumer reports

I would like to officially request that you review the data on file for me. As per the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U.S.C. 1681I ) and Metro 2 compliance standards, I am challenging all inaccuracies or deficiencies in reporting. However, I must express my disappointment that the credit report I received was not accurate. I am surprised that this is the case, as you should be adhering to the FCRA and applicable Metro 2 data field formatting standards. I have a challenge for you- please make a document that shows all of the evidence and sends it to me, complete with verified sources. It is important to note that theXX/XX/XXXX XXXX states that any deviation from these standards jeopardizes the integrity of data. 

This is a serious issue that must be addressed. I want to emphasize that the report you sent me is not accurate. Are you certain that all of the information is accurate and properly formatted? Please take note that the below-noted claims are disputed and have not been confirmed as facts. I am requesting that you remove any false accounts on my credit report as soon as possible, as this will have financial consequences for me in the future if left unchecked. I can not tolerate anything less than 100 % accuracy on my credit report. 
US BKPT CTXX/XX/XXXXXX/XX/XXXXListed below are the Collections that are being challengeXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe my personal information was breached and I noticed a few inquiries on my credit profile and asked Transunion to delete them but the inquiries are still on my credit profile. Please delete these fraudulent inquiries from my credit profile. 


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

XXXX XXXX XXXX XXXX XXXX Credit Card As of XX/XX/XXXX XXXX XXXX has reported to all 3 credit bureaus that no payment has been made since XX/XX/XXXX When Payment ( ACH from a checking account ) were made in XX/XX/XXXX ; as well as on XX/XX/XXXX to the XXXX XXXX Account. 
Called and asked the company to remedy this within 10 business days or a complaint would be filed, the said go ahead and complain. 
Due to this false reporting my credit scores have each dropped in excess of 100 points, causing great injury to my credit health and my immediate financial future as a consumer.
Product: Credit reporting or other personal consumer reports

I am raising a formal complaint regarding TransUnion, XXXX, and XXXX for their repeated failure to address inaccuracies on my credit report. Despite submitting disputes multiple times, the errors remain uncorrected, showing a lack of compliance with legal requirements to ensure accurate reporting. 

FCRA 1681e ( b ) Violation : The credit bureaus failed to follow reasonable procedures to ensure maximum possible accuracy in the information reported. The inaccurate information on my report demonstrates negligence in their verification processes.

FCRA 1681i ( a ) ( 1 ) ( A ) Violation : Despite my disputes, no meaningful reinvestigation has been conducted, and I have not been provided with any supporting documentation to validate the information in question.

FDCPA 807 ( 8 ) Violation : The collection account in question continues to report incorrect details, including an inflated balance, which is deceptive and harmful to my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX credit bureaus are reporting incorrect information on my credit report, TransUnion, XXXX, and XXXX. These errors are a direct violation of the Fair Credit Reporting Act. Multiple times these credit bureaus have listed incorrect information on my credit report. This incorrect information is being reported by not one but all three of the credit bureaus. It is causing an extreme amount of stress. No matter what I do these credit agencies are not assisting me and are not replying to any letters that I send them. This is an issue because the FCRA states that they must complete an investigation in 30 days, yet this has not be adhered to. If I do not receive any information from them is this not a violation of the Fair Credit Reporting Act? It indeed is. If you take a look at my attached photos you will see all the inaccurate reporting 's with these accounts. Such as date of last activity, date opened, reporting Charge-off 's only on a payment history. How can a CO be reported as payment history? This is terrible, this wrong. The FCRA states that each credit bureau is to report identical information, however, they're all reporting incorrect information. This is not ok, and is against the law.
Product: Credit reporting

Experian is reporting an account with XXXX XXXX / XXXX which was owned by XXXX XXXX then sold to XXXX as late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This account was never late. XXXX is apparently reporting this information but they did not own the card at that time. I contacted XXXX XXXX and they stated the account is being reported to XXXX as on time and never late. XXXX XXXX said that since the account was sold they can not report the account to the credit agency 's. I am getting a run around in circles.
Product: Vehicle loan or lease

USAA approved my refinance loan XX/XX/2021 in my old name even though I had sent them the document which shows my name change, the agent at USAA said they have to redo my loan application XX/XX/2021 and after they did my loan was denied. I have been a loyal customer, I have a good credit score and paid all my bills on time and my loan was denied because of an error on USAA part.
Product: Checking or savings account

I have not received my court ordered XXXX settlement. Why are keeping my check? 
Your banking activity towards customers has not changed. Please explain why?
Product: Credit reporting or other personal consumer reports

I HAVE FILED SO MANY COMPLAINTS AGAINST EQUIFAX AND NOTHING GETS HANDLED . THERE RESPOND IS THOSE ACCOUNTS AREN'T ON YOUR CREDIT FILE . I USED TO WORK WITH XXXX XXXX XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX XXXX XXXX XXXX AND I KNOW NOW WHY EQUIFAX HAS SO MANY PROBLEMS WITH DATA REPORTING . I CAN'T EVEN DO A ONLINE DISPUTE NOR DO ANYTHING ONLINE WHICH IS CRAZY . I CONTACTED XXXX XXXX XXXX XXXX XXXX XXXX AND YOU CANT EVEN UNDERSTAND ANYONE BECAUSE OF BEING IN ANOTHER COUNTRY AND NOT THE USA . I FILED DISPUTES TO THE FRAUD ACCOUNTS AND ADDRESSES THAT WERE ON MY CREDIT FILE THAT IN THE FIRST COMPLAINT TO THE CPFB AND EQUIFAX RESPONDED SAYING THOSE ACCOUNT AREN'T ON YOUR CREDIT FILE . I FILED THE DISPUTES AND 10 DAYS LATER THEY WERE STOPPED FOR WHAT REASON I DON'T KNOW, THEN I OVERNIGHT DOCUMENTS TO THE PO BOX IN XXXX TO EQUIFAX AND I GET A EMAIL SAYING NEW DOCUMENTS HAVE BEEN ATTACHED TO YOUR FILE AND PLEASE CALL IN TO HAVE THE ACCOUNTS BLOCKED AND REMOVED PER THE POLICE REPORT AND FTC REPORT AND LETTERS FROM THE BANKS . YEAH THAT DIDN'T HAPPEN BECAUSE SAY YOU CAN'T DO THAT . BUT TWO WEEKS BEFORE MY BROTHER DID THE SAME THING AND HES ACCOUNTS WERE BLOCKED WITHIN 24 HOURS PER A POLICE REPORT . I'M LOSING XXXX ON WED ON NEXT WEEK PER THE NEGATIVE ITEMS THAT AREN'T MINE THAT REPORTING TO MY TRADE WITH XXXX . NO OTHER CREDIT BUREAU IS REPORTING ANY OF THESE FRAUD ACCOUNTS EXCEPT EQUIFAX . THEN I RECEIVE A CALL FROM AN AMERICAN LADY FROM XXXX XXXX XXXX XXXX XXXX XXXX AND SHE STATED THE ACCOUNTS IN THE POLICE REPORT AND FTC REPORT WILL BE REMOVED WITH 72 HOURS , NOW THAT WAS 12 DAYS AGO . NOW I JUST CALLED IN AND SPOKE WITH A MAN FROM ANOTHER COUNTRY IN XXXX XXXX XXXX XXXX XXXX XXXX AND YOU COULDN'T EVEN UNDERSTAND HIM AND CLEARLY DIDN'T KNOW THE LAW OF REPORTING FALSE INFORMATION AND FAIR ACTION OF REPORTING TRADE LINES , THEN HE HUNG UP ON ME WHEN I ASKED WHY HAVEN'T THESE ACCOUNTS BEEN BLOCKED , THEN HE HUNG UP . IF I LOSE XXXX I PROMISE I WILL FILE LEGAL ACTIONS AGAINST EQUIFAX FOR FALSE REPORTING ACCOUNT WITH KNOWLEDGE AND PROOF . ITS NOT THE SAME EQUIFAX I WORKED FOR . I SENT IN PRROF THROUGH THE CFPB AND EQUIFAX PO BOX AND I HAVE BUNDLES OF PROOF AND EVEN LETTERS FROM BANKS SAYING THOSE ACCOUNTS ARE FRAUD AND STILL NOTHING HAPPENS LIKE ALWAYS . 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
IF YOU READ THE VERIFIED POLICE REPORT IT SAYS CLEARLY I HAVE NOT BEEN IN THE COUNTRY SINCE XXXX XXXX XXXX 
I NEED THESE ACCOUNTS REMOVED AND BLOCKED ASAP 
I WILL ATTACH THE FTC REPORT AND UPDATED POLICE REPORT AGAIN WITH MY DL AND SS CARD 

IF THESE ACCOUNTS AREN'T REMOVED BY XXXX I WILL HAVE NO CHOICE TO FILE LEGAL ACTIONS AGAINST EQUIFAX FOR FALSE REPORTING AND BRING IN THE MEDIA WHO NOW I WORK FOR TO LET PEOPLE KNOW WHAT IM GOING THROUGH . PLEASE HELP
Product: Credit reporting or other personal consumer reports

This is my second time doing this. I am a victim of a XXXX data breach. I hope ftc investigate this to the fullest term. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a complaint about an item on my credit report being reported inaccurately. 

Oriiginal complaint : This should be reported by law until XX/XX/XXXX. Account info Account name XXXX XXXX  XXXX  XXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Paid, Closed/Never late. Status updated XX/XX/XXXX Balance - Balance updated - Recent payment - Monthly payment {$0.00} Original balance {$20000.00} Highest balance {$0.00} Terms NA On record until XX/XX/XXXX. 

Company Response : In response to your request, the following actions were taken on your credit file : You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX. XXXX  XXXX. 


The item was placed back on my credit report as acurate and updated. The company has still not listed my account as opened as of XX/XX/XXXX which they say is accurate and updated.
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 Experian 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 Experian 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

An account reporting as a collection and open is reflecting on all three major credit reporting agencies with a balance of {$840.00} as of XXXX2017. This account did not derive from a consumer credit transaction, contract, or agreement and should not be listed on my credit report as a collection. I have not received any communication on such said overpayment. Per the Attorney General is upward of 31 states including my State Indiana, debts that do no derive from consumer credit transactions should not be reported to CRA ( credit reporting agencies ). XXXX XXXX & Experian are all three violating my rights by reporting these transactions. In addition the contact phone number for this account that is reflected on my report is a non working XXXX number XXXX that does not provide any further contact number to reach the listed account information provider ( Dept of Veteran Affairs )
Product: Debt collection

World Finance called me about four times in less than five minutes on or about XXXX XXXX, 2015 around XXXX.