23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

XXXX refuses to honor a bonus " promotional '' rewards that I earned by using their Kohls Credit Card outside of Kohls. I even called before I used it to confirm it was real. I was told I would get {$15.00} in " Kohls Cash '' for every {$50.00} I spent outside of the store. 

I waited until I paid the card. I just called for 4 days in a row to be told the same lies. I did earn {$15.00} in Kohls rewards on XX/XX/XXXX as a result of shopping at their store in XXXX, prior to this email. This was reflected on their " Rewards Activity '' page. For four days, they insisted I had gotten my total rewards. Nothing but lies. NO, I did not. 

I demanded to know when I'd receive my bonus rewards ( {$60.00} ) I had earned via an email that stated the following : XXXX! XXXX, 2024 " ACTIVATE YOUR OFFER NOW Theres still time. 
Earn {$15.00} in bonus Kohl 's rewards. * Its not too late to activate your offer if you havent already. 

Spend {$50.00} outside of Kohls on your Kohls Rewards Visa by XX/XX/XXXX, and youll earn {$15.00} in Kohl 's rewards. Well count all of your eligible purchases from XX/XX/XXXX to XX/XX/XXXX. '' I activated via the hyperlink and they refuse to honor the bonus rewards. I kept getting the same " You got {$15.00} '' lie ad nauseum. I persisted. I finally spoke to a manager on Day 4 who repeated the same lies and offered me a {$20.00} rewards " kohls cash '' as consolation. I took it. I will not be calling them anymore. This consolation offer PROVES they know they are not acting in good faith. They owe me {$40.00} more. 

I feel like it is unethical to take away my reward dollars that I earned charging their card instead of any other credit cards. I could have used a regular cash card with actual cash rewards at XXXX, XXXX, XXXX XXXX and 2 grocery visits equalling $ XXXX had I been aware they had no intention of honoring the offer. 
thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I was victim of unauthorized charges on my account which lead to late charges on my account. After being notified that i had a late charge i reached out to first progress. They started an investigation and found the charges were fraudulent and refunded my account. As a result of the fraudulent charges my account was reported late to the credit bureau. This information is inaccurate and they wont do anything to fix it. I've already reached out to them and have gotten nowhere.
Product: Credit reporting or other personal consumer reports

I checked my credit report an found this account on it that's not mine, I then called the mortgage company to get proof and provided none. 

Account # XXXX High Balance {$63000.00} Last Verified -- Date of Last Activity XX/XX/XXXX Date Reported XX/XX/XXXX Date Opened XX/XX/XXXX Balance Owed {$49000.00} Closed Date -- Account Rating Open Account Description Joint Dispute Status Account not disputed Creditor Type Mortgage Companies - Finance Account Status Open Payment Status Current Creditor Remarks Real Estate Mortgage Conventional mortgage Original Creditor -- Payment Amount {$490.00} Last Payment XX/XX/XXXX Term Length -- Past Due Amount {$0.00} Account Type
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 3rd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$7800.00} XXXX  XXXX Balance : {$4100.00} XXXXXXXX XXXX  XXXX Balance : {$1100.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$440.00}
Product: Credit reporting or other personal consumer reports

Since XX/XX/XXXX, I filed several disputes regarding errors on my credit report with Experian and their investigations did not remove the errors from my credit report although I showed proof that the Fair Credit Reporting Act was violated. Experian failed to investigate properly and they input addresses on my credit report that are not mine. 
Also, I filed several complaints against Experian with the Consumer Financial Protection Bureau. On XX/XX/XXXX, Consumer Financial Protection Bureau sued Experian for not conducting proper dispute investigations, failing to remove errors off of credit reports, and reinserting false or old information which relate to the issues I had with Experian.
Product: Credit card

PayPal Credit/Synchrony Bank  is participating in identity theft During the month of XXXX, XXXX, the name on my PayPal Credit account through Synchrony Bank was changed to different person 's name ( XXXX XXXX XXXX without my authorization and without the bank taking steps of proper authorization! I immediately contacted the back as soon as I became aware of this yesterday, XX/XX/XXXX. I noticed statements emailed to me in XX/XX/XXXX and XX/XX/XXXX it had someone else 's name on it. When I called the bank they told me they don't know how this happened and they said the only way for me to change this back is for me to mail them a copy of my driver 's license and social security card! This is unsafe for anyone to share their personal ID in an unsecure way and is how identify theft happens. I shared my concern and told them this was their error and they need to reverse the change. I securely emailed my previous statements and screenshots through their portal showing MY name on the account and also verified the initial account opening, etc. I have had this account since XX/XX/XXXX. They continue to insist that I must email copies of my personal ID and SS card and this is their procedure. This needs to be investigated and corrected right away!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my reports and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of these fraudulent items which were being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I have had a fraud alert with the credit bureaus ; specifically Equifax since XX/XX/XXXX. I have completed an identity theft report, police report and affidavit that has been on file with Equifax and the company has all my information. I submitted a request in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for Equifax to block reporting information per the Fair Credit Reporting Act ( XXXX  ) ; 605B Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] due to identity theft. Equifax has ignored my requests repeatedly. However, I was under the impression that this information was blocked because the information was not reported on my Equifax credit report through XXXX credit monitoring company. When I learned of the Equifax data breach, I retrieved another Equifax credit report ( free ) through Annual Credit Report and Equifax did not block the fraudulent information and it still remains on my report. I contacted the Fraud Victim Assistance department on XX/XX/XXXX and was told by an agent that the was not fully blocked from my credit report. After contacting Equifax for three months, this agency is still in violation of law and refuse to block fraudulent information from my credit file. More importantly, this information could negatively affect my employment from federal background investigations and obtaining credit in the future.
Product: Credit card

Last XXXX I attempted to make purchases at stores like XXXX XXXX The balance on the card was {$500.00}. When I used the card I was told that the card I used crashed the stored system. This also occurred at a XXXX. At that point I figured the card is not a good card to have because of the problems it causes. I then removed my funds off the card. Now they are saying I have an available amount of {$210.00} but they closed my account and I owe them {$280.00}. This card has been problematic since I received it!
Product: Credit reporting or other personal consumer reports

This complaint is in response to CFPB complaint XXXX. Spring Oaks Capital , LLC responded to my dispute of account XXXX on my credit report stating that they disagree with assertion of incorrect reporting The company stated that they mailed me on XX/XX/XXXX, but I received no such notice. The company also alleges that the account was charged off on XX/XX/XXXX, and the current balance owed is {$420.00}, but I contacted the original creditor, and they could not validate this accusation. Additionally, Spring Oaks Capital stated that they would be mailing their response along with copies of my account documents, but this will not suffice being that Spring Oaks does not have a valid address for me. I specifically sent a complaint through the CFPB and that is where I expect all relevant information to be sent. It is easier to have everything via the portal for court purposes. Lastly, Spring Oaks capital never sent proof of their license to collect debt in the state of Texas. I am not liable to pay this company and their claims do not support the information received from the original creditor XXXX XXXX XXXX. Remove this account from my credit report immediately SPRINGOAKCAP Original creditor : XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I cosigned a XXXX study loan for my daughter, XXXX XXXX, in XXXX. It was originally with XXXX XXXX. She passed the XXXX just as the economy crashed and lawyers were not being hired but being released. She started taking court appointed cases in an effort to make some kind of living and has been doing that ever since but barely squeaking by. I have been paying on the loan for 6 years. When it was with XXXX XXXX, I paid {$75.00} a month which was fine when I was employed but once I retired I had far less income, approximately 40 % of what I had been making. Navient took over my daughter 's XXXX loan two years ago and continues to hold it. This past year they let me be in a rate reduction program where I paid {$90.00} a month and more of the money went to the principal. They informed me this year that I no longer qualify because I had opened new lines of credit. XXXX being, the purchase of the park model which we purchased to live in. The other was a credit card that I had opened at XXXX XXXX at XXXX because by doing that they gave me 20 % off of a XXXX gift. I have a small payment left to make to them and it will be completed and I did cut up the credit card. They also noted that we had leased a new car. We had a XXXX truck with XXXX miles on it that needed major repairs. The car dealership took our truck and used it as a {$2500.00} down payment on a car lease. Since we needed transportation we figured this was our best option. Obviously it was not a good idea but at our ages ( XXXX & XXXX ) we ca n't walk. My husband and I have always maintained separate checking accounts and we each have bills we are responsible for paying. My husband did not co-sign the loan with Navient but they told me last week his income needs to be considered in the new payment they are asking me to make which is XXXX. The original loan was {$15000.00} and now it is {$17000.00} and this is after I have paid over {$6000.00} in payments. According to them the loan accrues daily. I wo n't live to see it paid off I am quite sure. I am facing some XXXX with large co-pays, but they say that does n't affect my ability to pay them. I have been managing to pay them {$90.00} per month in a rate reduction program but that has been a struggle. At this point I do n't see that paying them and never having the amount reduced is reasonable.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$1500.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$65.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$590.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$860.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX$93.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX - {$630.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$420.00} XXXX XXXX XXXX XXXX XX/XX/XXXX - {$460.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX XXXX - XX/XX/XXXX - {$520.00} XXXX XXXX XXXX  XXXX - XX/XX/XXXX - {$310.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$310.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$690.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$400.00} Collection Account XXXX - {$1000.00} Collection Account XXXX - XX/XX/XXXX - {$70.00} Collection Account XXXX - XX/XX/XXXX - {$140.00} Collection Account XXXX - XX/XX/XXXX - {$890.00} Collection Account XXXX XX/XX/XXXX - {$850.00} Collection Account XXXX - XX/XX/XXXX - {$580.00} Collection Account XXXX - XX/XX/XXXX - {$1400.00} Collection Account XXXX - XX/XX/XXXX - {$780.00} Collection Account XXXX - XX/XX/XXXX - {$960.00} Collection Account XXXX - XX/XX/XXXX - {$100.00} Collection Account XXXX - XX/XX/XXXX - {$630.00} XXXX XXXX - XX/XX/XXXX - {$0.00} XXXX  XXXX XXXX XX/XX/XXXX - {$1300.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Attempted to request XXXX Freeze on Experian web site. When directed to apply on line, simply see " loading ''. Inexcusable. When I call, receive recording indicating where to mail a request! I am sure banks do not have to do any credit requests by mail!!! 

Interaction with XXXX was immediate on the Web. 

Where is the CFPB. You are the CONSUMER protection bureau, not the credit rating agency protection bureau. Your inaction is inexcusable
Product: Checking or savings account

I want to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis sold public record information regarding a chapter XXXX bankruptcy to the consumer reporting agencies without my written consent. Since then XXXX, XXXX, and XXXX have published this to my consumer report without my permission and have used to it against me hurting my ability to obtain credit. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I have contacted the courts and they reported back that they do not furnish this information to the consumer reporting agencies. I have also contacted XXXX  and they too reported that they only house court documents but do not furnish any information to the consumer reporting agencies. I have also spoken with XXXX, XXXX, XXXX and they all reported that LexisNexis is the one who supplies them with the information on public records.
Product: Credit reporting, credit repair services, 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. 


XXXX  : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX  # 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 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

I have disputed this closed/ charged off account with Equifax , XXXX , and XXXX because this account needs to be removed from my credit report. They are fraudulently reporting missed payments of {$350.00} every month on this account ( XXXX ) .There should be no monthly payments on a closed charged off account. The account was closed and charged off in XX/XX/2017.I have asked for proof of verification and received nothing and it's still listed. They are in violation! 

I was only able to include one document as proof because this document was the only one I have saved
Product: Checking or savings account

td have caused so many issue with their lies and their fraudulent ways I been going through a dispute the XXXX since XXXX some wallet was stolen then someone withdrew money from my account and uploaded fake checks from mobile deposits to my account and they ruled the mobile deposits as fraud and denied the other claim, from XXXX to XXXX i have been disputing the fact that someone overdrafted my account the same day that those mobile deposits were place on the account, finally in XXXX the claim received a temporary credit, after my disputes had been denied about 5-10 times they finally owned up to it being fraud for {$400.00} taking care of the fraud that was on my account because they had already removed the mobile deposit that was on my account, after i called in several times to have them refund the money that had returned back to my account which had taken XXXX to a XXXX ... from chargebacks and returns i then received a provisonal credit for the XXXX fraud that was on my account then once they realized they had to pay me back more than the XXXX they credited my account they then denied the credit and now they have my account XXXX saying i owe them, for fraud that was on my account they have added a extra {$400.00} just because they can without providign me any info as to why, when i call the customer service dept they directme to the branch yet i cant go into my local branch becasue they have me on trespassing because they discriminted against me and they have frauduently added a amount to my account because they didnt want to pay back the amount they owed me adn they did pay me half the amount yet then charge me what they owed me
Product: Mortgage

This is my more than 15th complaint against Select Portfolio Servicing ( SPS ). I always get same answers without fixing any root problem.

SPS never sent mortgage statement within a month, so that I can pay properly on time. SPS is doing this, so that I can not pay the actual amount on time, so they move to foreclose. This is not my complaint. I have talked many homeowners and this is SPS 's patented strategy to foreclose home illegally I still have NOT received Tax Information of 2020 from SPS. 

SPS harassing me every month for full and entire mortgage payment. 

SPS is engaged in privacy violations. 

cc. XXXX of California
Product: Checking or savings account

Bank of America XXXX XXXX Banking Account # XXXX XXXX XXXX opened on XX/XX/2023 without my knowledge.
Product: Checking or savings account

I have a personal and business account at Bank of America. If I change my passwordk on my business account my personal account password does not work. If I attempt to use my ATM, Account Number, Social Security Number on either account I can not reset my password. If I can not log in with my password then I am not verified and therefore can not access my accounts online.
Product: Credit card

Barclay Card XXXX was XXXX of cards that our family used regularly to accumulate points for travel\ling. You can earn roughly XXXX cents per dollar spend to be used for travel expenses. We saved up to around XXXX points with roughly equal to {$1800.00} to be used to pay for cruise with our XXXX young daughters for the XX/XX/2016. However, the card was closed by Barclay and the points were taken away without any warning. We did not get a chance to redeem our points. We ca n't go on our trip because of this. We called and they said there is no way for us to use the points that we have earned over the years. Closing the account is Barclay own decision but we should get a chance to use the points first. When we filed the complaint, they just showing us the letters again without giving us a chance to redeem our points.