23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have been a Kohl 's credit card holder since 2006. 

Last month, in the mail, I received what I thought to be a promotional/advertisement offer for me to open a XXXXapital One credit card with the Kohl 's logo on the card. I cut up the enclosed credit card thinking it was a marketing tool, and threw the paperwork away.

This month I received another Capital One credit card mailing. I opened it and it was a bill for {$3.00}.

I DID NOT open a Capital One credit card, I did not apply for a Capital One card, I DO NOT WANT a Capital One or any other credit card! Kohl 's opened the credit card in my name!

Now, my Kohl 's card is inaccessible on the Kohl 's website and in the store. In order for me to pay this bill, I must do one of a few things ; link the Capital One card to my bank, call the XXXX number to activate the Capital One credit card, give my social security number to a Kohl 's employee to pay my bill with cash, create an online account with Capital One that by doing so will activate the new credit card.

My huge issue here is I DID NOT apply for this card, however according to the Kohl 's website FAQ page, Kohl 's DID access my credit report and they state by doing so may affect my credit report!!!!!!!!!!!

According to the Kohl 's website, in order to manage my account... to pay my bill of {$3.00}, it says " Even if you previously managed your Kohl 's Card online, you'll need to enroll with Capital One ''.

I DON'T WANT A CAPITAL ONE CREDIT CARD!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

The Kohl 's website also states that my previous autopay settings " should have already transferred automatically ''.

Does this mean they accessed my bank accounts without my permission?

My question is, isn't it illegal for a Corporation to open a credit card in my name without my permission???????

According to www.nolo.com on the internet, " An " unsolicited '' credit card is a credit card opened in a consumer 's name without that person 's permission. Under Regulation Z, which implements the Truth in Lending Act, it's illegal for a credit card company, store or other entity to send you a credit card you didn't request. ( 12 C.F.R. 226.12 ) The article goes on to say ; " Some companies try to get around the law by sending " replacement '' credit cards for accounts that are no longer active. Sending these types of cards, if unsolicited, still violates the law ''.

While the second part may not apply to me as my Kohl 's card was active, it still seems to apply because a card was created in my name without my permission. 

Now, I am concerned that my credit will be affected again if I am able to cancel this card that I did not request in the first place. 
I'm not sure what the financial benefit is to Kohl 's and this Capital One venture, but I don't want them to succeed by using me and my credit to get their advantage. 

Thank you for listening, I look forward to hearing from you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

*COMPLAINT FOR NO RESPONSE IN 30-DAYS REQUIRED UNDER FCRA LAW Subject : Complaint against XXXX for Violation of FCRA Dear Sir/Madam, I am writing to file a formal complaint against Transunion regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ) and their failure to respond to my request for validation of incorrect information on my credit report within the mandated time frame. 

On XXXXXXXX XXXX XXXX, I sent a letter to Transunion via certified mail, requesting them to validate the inaccuracies being reported on my credit. According to the FCRA, the credit FCRA by Transunion. As a consumer, I have the right to receive timely and accurate information from credit reporting agencies, as outlined in Sections 611 ( a ) and 611 ( a ) ( 1 ) ( A ) of the FCRA.

I am now requesting the assistance of the Consumer Financial Protection Bureau in investigating this matter and taking appropriate action against Transunion. The failure to respond undermines my rights as a consumer and hinders my ability to rectify the inaccuracies on my credit report. 

I kindly request that the Consumer Financial Protection Bureau intervene to ensure that Transunion complies with the FCRA and promptly provides me with the requested validation of inaccurate information. Furthermore, I ask that Transunion be instructed to remove the incorrect account from my credit report, as mandated by the FCRA due to their failure to respond within the required timeframe. 

Enclosed with this letter, you will find copies of the certified mail receipts as proof of Transunion 's receipt of my request for validation. If any additional documentation or information is necessary to proceed with the investigation, please let me know, and I will provide it promptly. 
Hide trimmed content Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will diligently address this violation by XXXX and ensure that my rights as a consumer are upheld. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXXXXXX XXXX XX/XX/2023
Product: Credit reporting or other personal consumer reports

Concern about information showing on the credit reports that are inaccuracies, not 100 % accuracies according to FCRA Fair Credit Report Act should show accuracies of information reporting under congress title ( 15USC1681A ) needed to ensure that a consumer agency exercises their great reasonabilities with fairness, impartiality at respect for the consumer rights to PRIVACY!!! I demand the deletion of all personally identifiable information from consumer credit reports except for as following : Title ( 15USC1681S,2 ) permissible of furnishing of information to a consumer reporting agency ( A ) duty of furnishing of information to provide accurate information ( 1 ) proportional ( A ) report with actuarial knowledge of errors a person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that information is inaccurate person making the report ( 15USC1681section 602A ) states I have a right to PRIVACY as a consumer it state you may not furnish any account without my written permission/authorization instructions ( 15USC1681section 64A ) with title ( 15USC1681E, B ) which state maximum possible accuracy of the information concerning the individual report.

Remove the accounts listed below under this title ( 15USC6802 ) from consumer to third party
Product: Credit reporting or other personal consumer reports

Creditor Name Date of Inquiry Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX SANTANDER CONSUMER USA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX CA XX/XX/XXXX XXXX
Product: Student loan

I was told my student loans were forgiven yet it keeps showing on my credit report as deferred. 
I reached out to get something in writing with no response and they keep sending my information to third party lenders who then have access to my information. I did not give permission for my information to be transferred from the original lender, nor have XXXX gotten the proper documentation for forgiveness. I keep getting a XXXX balance owed but no formal letter.
Product: Credit card

On XXXX the XXXX I spoke with an agent at Capital One for XXXX minutes trying to find out exactly what to do in order to have myself added as POA on my fathers account. He was a great help and that same day I faxed ALL the required information in, including my XXXX page legally executed Durable POA document. On XX/XX/XXXX, they mailed a letter stating my request was denied with no reasons given on the letter. Today ( XX/XX/XXXX ) I spent XXXX minutes on the phone with a XXXX and then her manager and both did nothing by read me exactly what I had already read on their website. They both advised to just sent ALL documents again and wait to hear from them. I am requesting to be added due to my fathers recent XXXX  XXXX diagnosis and being place on XXXX XXXX XXXX XXXX XXXX. He has two accounts with Capital One with XXXX balance and I just wanted them closed. Sounds like elder abuse to him by having the accounts remain open and possibly incur fees by putting up roadblocks to closing the accounts. I have sent the same XXXX page XXXX document to numerous other insurance, credit card, utility and creditors on behalf of my father and ALL have been happy to help in this difficult time. Assuming Capital One feels they are special given their size and ability to help citizens of our country dig themselves into a mountain of debt with ridiculous interest rates.
Product: Debt collection

In response to subject XXXX  delivered to XXXX XXXX XXXX ( XXXX  ) on XX/XX/XXXX regarding payment of {$11000.00} on XXXX XXXX Credit Card Account ending in XXXX was paid XX/XX/XXXX XXXX as required. XXXX XXXX payment reference number XXXX. For payment reconciliation purposes see XXXX XXXX XXXX Account Number XXXX, Routing Number XXXX. XXXX has an additional account with XXXX XXXX ending in XXXX that had a balance of {$540.00} when XXXX XXXX called regarding its payment request on XX/XX/XXXX. XXXX made a payment to XXXX XXXX on the same date XX/XX/XXXX of {$11000.00} to pay the balance on both cards. 
I have attached the XXXX XXXX XXXX  Year End Statement entitled Activity for your review; the Tab entitled Transaction summary shows account ending in XXXX has an {$11000.00} over payment at years end XXXX XXXX. XXXX XXXX called XXXX XX/XX/XXXX for a payment on card ending in XXXX and then applied the payment to account ending in XXXX. XXXX also submitted payments to XXXX XXXX from its XXXX XXXX XXXX Account showing payment cleared XXXX XXXX. XXXX fulfilled its obligation to XXXX XXXX over XXXX  months ago and would like this case to end as soon as possible. Can someone please respond upon receipt?
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX, XXXX  is allowing XXXX XXXX  Acct # XXXX to report fraudelent information on my Consumer Report which has a damaging affect on my credit worth. Please ask these companies to provide your company with a copy of my XXXX pay history for the months of XXXX & XXXX and pay history for XXXX & XX/XX/XXXX. Please delete this unfair credit reporting from XXXX XXXX.
Product: Mortgage

Back on XX/XX/XXXX when the pandemic started my husband and I lost Our Job. I needed assistance regarding putting my payments on hold. They put my account on forbearance. I requested if my payments that I missed could be put in the back of the loan. I had to supply them with documents which I provided with everything They requested. They also requested my awards letter stating that I was unemployed from XX/XX/XXXX to XX/XX/XXXX. They wouldn't accept the letter because according to SPS my unemployment expired after XXXX weeks which was not the case. I still had money in my account because I was also working part-time and collecting partial unemployment. I even contacted unemployment to see if they could provide me with another awards letter ( determination letter ) They told me that they don't understand why SPS is giving me such a hard time because it literally states on the determination letter that they already had says everything. Unemployment can not change the date of when I'm entitled to my unemployment. It goes from year to year. They gave me such a hard time because they insisted on this letter that I could not provide because I already provided them with one. The reason why my unemployment went beyond the 22 weeks that they are talking about is because I worked part-time and collected part-time and at times I did not collect any unemployment because I made more money at my part-time job because I put in more hours so those 22 weeks was extended to approximately 7 months. I don't know what else to do and I do not want to lose my house but they are not willing to work with me. All other creditors that I've been dealing with if I didn't make any payments any unpaid balance they applied to the end of my loans but SPS refused to do that now causing me to be in default and possibly losing my house. If you have any questions regarding my complaint I can be contacted at XXXX. Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2022, we received a FRAUD ALERT FROM XXXX XXXX XXXX concerning IDENTITY THEFT involving XXXX XXXX in the amount of {$5500.00}. 

We immediately telephoned XXXX XXXX to dispute the FRAUD and notify them of the IDENTITY THEFT. During a long call with their representative, XXXX, we were told that the account had not been funded and he still had time to cancel it due to the IDENTITY THEFT and FRAUD. XXXX exact words were The good thing is it hasnt been used yet. ( It was ) set up on the XXXX ( of XXXX ). 

He also told us that XXXX XXXX had sent a promotional mailer to our old address at XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX and that it had been completed, signed and mailed back with a forged signature. He also stated that my personal financial information was included in that application. 

My personal financial information could have only been provided to the new tenants by our former property XXXX, XXXX XXXX of XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, FL XXXX, ( XXXX ) XXXX or ILLEGALLY obtained by XXXX XXXX XXXX ( the new occupant at our old address ) through XXXX XXXX XXXX XXXX where she is also employed. 

XXXX told us that he would send us a copy of the fraudulent application, yet after 5 months, he has still failed to do so. Instead of doing what he promised, he did send us an electronic version of the FRAUDULENT APPLICATION which stated that the purpose of the loan was home improvements. This would be impossible for us as we rent our home and DO NOT OWN ANY HOME. On the bottom of that electronic copy is the statement XXXX XXXX XXXX The customers date of birth or ID data did not match gAuthenticate data yet they processed the fraudulent loan anyway. So much for due diligence on the part of this negligent company, XXXX XXXX. 

XXXX also asked us to file a police report with our local sheriff, file an FTC IDENTITY THEFT report and provide XXXX XXXX with copies of those along with a copy of my Florida Driver License which we did via U.S. Mail. 

While we had this discussion with XXXX at XXXX XXXX 5 months ago and we provided every bit of documentation requested, XXXX XXXX went ahead and funded that FRAUDULENT LOAN to the IDENTITY THIEVES anyway. 

This FRAUDULENT ACCOUNT and XXXX XXXX FRAUDULENT REPORTING of it to XXXX, Experian and XXXX have cause my credit scores to drop with each bureau anywhere from XXXX to XXXX points each and these scores continue to plummet due solely to XXXX XXXX NEGLIGENCE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have 19 inquiries reporting on my credit report on TransUnion that are without a firm line of credit. I have circle all 19 inquires on my credit report and included them as an attachment below. Credit bureaus may only report inquires that are 1. FIRM LINE OF CREDIT * ( result of open acct only ) 2. COURT ORDER 3. LEASE AGREEMENT * ( result of apartment rental application ) 4. EMPLOYMENT These inquiries are do not have a firm line of open credit connected to them.

The FCRA Law require everything on your credit report to be accurate, valid and complete. These 19 inquiries should not be reporting on my Credit Report.
Product: Payday loan, title loan, or personal loan

I applied for a loan with XXXX XXXX. I fell behind in some of my payments and the loan was sent to another creditor, First Direct or XXXX XXXX XXXX. I signed a contract on XX/XX/2020 with First Direct, to pay {$200.00} bi-weekly, and on one of the payments ( used my debit card ), there were several other fraudulent charges after First Direct posted a payment. My debit card was locked and I had to wait several days for another card. I again fell behind on a payment, because I did not have access to my checking account, I started receiving threatening calls from XXXX XXXX with First Direct or XXXX XXXX XXXX, then more threatening phone calls that I was going to be arrested. I was told that I could not set up payment arrangements, that I would be arrested by XXXX XXXX, who stated he works for XXXX XXXX XXXX. The balance on the {$800.00} loan was {$1300.00}, and I paid {$400.00} towards the balance. I was told by XXXX XXXX that I had to pay {$1500.00} and the that the {$400.00} that I paid was no good anymore because I defaulted on the loan. I explained to Mr. XXXX that his company released my debit card information, or an employee at their company had my debit card information, and they were making fraudulent charges to my account. I was told that this was being investigated. I am not sure if this company is legitimate, but I was told by the original creditor XXXX XXXX that First Direct had the loan now. I have been threatened, hung up on when trying to resolve this matter, and threatened that I would be arrested for writing a bad check.I called for several days to resolve this issue, but I was told by Mr XXXX XXXX, that I could not set up any arrangements, that a warrant for my arrest was being issued. I never wrote a check XXXX XXXX, this was a loan. I have been affected by COVID - 19 and this company has unethical business practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I sent Experian an identity theft police report, identity theft ftc report and a list of fraudulent accounts being reported on my credit report experian received the documents on XX/XX/2022 yet they have not removed the fraudulent accounts pursuant to 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

experian is in violation of the fair credit reporting act
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification of everything on my credit report and they did. They stated everything was accurate and I did a thorough research myself and I found improper inaccuracies on my credit report even after they did the thorough investigation. There is inconsistencies between the three credit bureaus ( XXXX, transunion, XXXX ) on the opening date of my accounts. 

DEPARTMENT OF EDUCATION - ACCT # XXXX BALANCE - {$5000.00} DEPARTMENT OF EDUCATIONXXXX ACCT # XXXX BALANCE - {$3100.00} And accordance with The Fair credit reporting act XXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602a States I have the right to privacy 15 U.S.C 1681 section 604a section 2. It also States a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

In XXXX 2015 I requested and signed with Banco Popular of Puerto Rico to enter the Loss Mitigation Program since I was having some difficulties to pay my monthly mortgage payment. I submitted the documents to the bank as they requested, including XXXX financial statements prepared by an Accountant. Surprisingly when I was in good faith negotiations with the bank, I received a letter from a XXXX attorney and his XXXX Firm that my file was sent to them in order to file a foreclosure lawsuit against me. My attorney called them and explained that there must be a mistake since we were negotiating with the bank under the Loss Mit Program and never received a communication from the bank denying my request. The file was sent back to the bank to continue the Loss Mit Process. I also tried to pay the due amount of the mortgage payments but the bank conditioned the payment that I also pay {$500.00} for the previous lawyer services. I have email evidence of this. The bank sent me an invoice of this legal fees from XXXX XXXX XXXX XXXX a company in the U.S. My attorney called the bank 's XXXX attorney that sent me the letter and he said that the Firm did n't sent an invoice to the bank for such legal services. I have evidence of this. I sent to the bank the due amount monthly payments without the {$500.00} for legal services and the check was returned via mail to me. To this day I 'm under the Loss Mit Program in good faith negotiations, sent already a THIRD financial statement three weeks ago since they wanted XXXX updated and by my surprise I was summoned today with a Foreclosure Lawsuit from Banco Popular of Puerto Rico even when the bank never sent me any type of communications denying my application under the program. I have evidence of the communications by email with the bank, the invoice from XXXX XXXX XXXX XXXX, the application I signed to enter the Loss Mit Program, among other documents. Today I called the bank and the employee that is working my case told me that being under the Loss Mit Program does n't protect me from being sue by the bank in foreclosure. I understand that the Federal Laws and Regulations require that I first need to be notified with a communication from the Loss Mitigation Program denying my case before being sue in foreclosure.
Product: Credit reporting or other personal consumer reports

Doing an investigation on my credit report, I found several items on there to be inaccurate. Any inaccurate information shall promptly be removed per 15.U.S. Code 1681 The following accounts and personal info are not being reported correctly. Please remove them : Personal information XXXX XXXX XXXX XXXX NC XXXX ( not my address Please remove ) XXXX XXXXXXXX ( wrong information reported please remove ) XXXX XXXXXXXX ( wrong information reported please remove ) XXXX XXXXXXXX ( wrong information reported please remove ) XXXX XXXX XXXX ( wrong account information please remove ) XXXX XXXX XXXX ( wrong account information please remove ) XXXX XXXX account ( wrong account information please remove ) XXXX XXXX account ( wrong account information please remove ) XXXX XXXX account ( wrong account info please remove XXXX XXXX  account ( wrong account information please remove ) XXXX XXXX account ( wrong account information please remove )