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

Kohls customer service agents are making illegal changes from my account. I initiated a web chat with Kohls charge card customer service on XX/XX/2020 to add my sister as an authorized user on my account. That was my only intention. The woman from their customer service web chat, " XXXX XXXX '', asked for my email to pull up my account after already validating other information when I initiated the chat. My email on my account has always been the same, and I gave her that correct email. She said she could not find my account with that email address ( even though I was literally looking AT MY account summary screen as we were chatting and I am very aware after having this account for so long that she must have entered it incorrectly, and/or I should have been able to figure out why it didn't come up for her because that is also a serious problem, imho, for the email to not pull up ). She then illegally CHANGED my email to a different email that is NOT my email and that I have NEVER had access to. I do NOT have a gmail. I only found out because I got an email ( to my correct email ) saying that this WRONG email change was made on my account - without my authorization or knowledge! I do not know if the person on the other end of that OTHER email address ( the one she changed it to ) will illegally access my account without my knowledge. I found out by receiving an email stating that there was a change made to my email and even my rewards account was changed - such a violation! She also disconnected the web chat to try to prevent herself from getting a bad survey or being held accountable for making illegal and incorrect changes on my account on my behalf. The next customer service associate ( when I CALLED ), said he was able to correct my email back to the email I have ALWAYS used ( so my email should NEVER have been changed - in what, 7-10 years (? - I know I have had this account for a long time ) of having this charge account I have never felt more upset. Someone literally saw me insist on having provided the correct info only for this person to literally change it to a different email than the one I provided out of - spite? I don't know. But I do know it is illegal. I believe the incident number is XXXX, but she had also provided me with what I presume is also an incorrect incident number because she knew what she did was wrong. So that is probably at the very least a violation of policy, I would hope.
Product: Debt collection

There are two auto loans reporting on my credit report by the same company that I have no knowledge of. These were the result of identity theft in which a police report was filed.
Product: Debt collection

Convergent Resources contacted me and asked me to verify my current address and then asked for the last XXXX digits of my social security number. They then said that I was not the person they were looking for. Should I be concerned about Identity theft? Some of the reviews of this company has me concerned.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry that was placed on my credit report on XX/XX/2018 from SHELL/CBNA, I sent the company a dispute letter asking them to verify the inquiry because I did not authorize the company or anyone to submit any application. All the company sent me was a copy of the application they claim that I submitted. What I received from the company is not enough to validate this inquiry. I received the copy of the application today XX/XX/2019, this application was submitted fraudulently.
Product: Credit reporting, credit repair services, or other personal consumer reports

Online XXXX XXXX  Account XXXX XXXX XXXX XXXX Account XXXX XXXX Bank Account XXXX XXXX accordance with the Fair Credit Reporting act XXXXt 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

I have medical insurance to cover my medical bills but for some reason I have {$800.00} medical bill in my credit. Never did I know that I had a bill cuz I thought medical insurance would take care of all my bills
Product: Debt collection

I keep getting mail like today XX/XX/2018 from a debt collection agency when i already told them i dont even owe this debt that i receive from a company called XXXX. I keep getting these mail from this company saying i owe XXXX dollars little outrages.
Product: Student loan

Performant is a collector. I have XXXX defaulted student loans. I have been making rehabilitation payments of {$410.00} a month off of a debit card since XXXX 2015. I have also been making additional, voluntary payments of {$580.00} a month. I noticed that although I made the additional payment a number of times on the first of the month, that it did not get credited by performant until the end of the month. I called Performant at least twice to try and find out whether the {$580.00} was being timely applied to my debt ( so as to decrease the interest that accumulates ). Perfomant 's operators got irritated with and put me on hold for long periods of time. I never got a satisfactory answer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Equifax , Inc., there has been an Court order issued to you by the United States District Judge of the Southern District of Florida to forward a copy of this order to you. Upon receipt of notice will serve as I, XXXX XXXX ( XXXX ) have complied with the instructions of the Order which is to forward a copy to ( Defendant ( s ) ) in addition, you must comply with all the instructions of the order. See attachments. Best regards. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.
Product: Credit reporting or other personal consumer reports

In the recent Credit File Disclosure provided by TRANSUNION, there are several reporting practices that explicitly violate the consumers federally protected rights. Consumer states for the record NO opt out notices were EVER provided, specifically now referring to the opting out of the sharing of nonpublic information with nonaffiliated third parties, pursuant to 12 C.F, R 1016.10 - Limits on disclosure of nonpublic personal information to nonaffiliated third parties. Furthermore, TRANSUNION is in violation of 15 U.S. Code 1681b - Permissible purposes of consumer reports. Please provide a copy of each written authorization that was provided, allowing the proceeding disputed reporting AND 15 U.S. Code 1681e - Compliance procedures specifically Accurate Reporting. Transunion is now committing willful noncompliance and negligence. TOTAL LIST OF THE inaccurate items reporting without consent are highlighted in the attached Credit Report and outlined in the letter sent XX/XX/XXXX. They include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX REGULAR INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX All checking account and XXXX  ACTIVITY YOU HAVE NO CONSENT TO OBTAIN AND/OR SHARE THIS INFORMATION AND YOU FAILED TO PROVIDE OPT OUT NOTICES FOR CONSUMER TO REVIEW THEIR OPTIONS.
Product: Debt collection

I want to report debts that have already been eliminated from my collection credit score beforehand. I will proceed to sue. this is not ending now this previous debt that was removed from my profile XXXX again leaves another company in XXXX where my name is affected. because he wants debts that I do not maintain. action take. with these accompaniments that worsen the information Account info XXXX Account name RECEIVABLES PERFORMANCE Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/2022 Status Collection account. {$820.00} past due as of XX/XX/2022. 
Status updated XX/XX/2022 Balance {$820.00} Balance updated XX/XX/2022 Original balance {$820.00} XXXX 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: Student loan

My student loans are serviced by Mohela. I am still XXXX XXXX  and not accruing interest on my loans yet, but I make periodic payments when I can afford it. On XX/XX/24, I made a {$3000.00} payment on my student loans through Mohelas website. The payment was taken out of my bank account, is showing on my bank statement, and I received a confirmation email for my payment from Mohela. I just checked my payment history and noticed that the payment is not in my account history and was not subtracted from my total loan amount. Its showing that my last payment was made in XXXX and this one was made in XXXX. Its extremely difficult to talk to a real person on the phone with Mohela because they are dealing with so many complaints and had to transfer their accounts to the student aid website ( which was completed for my account in XXXX, so I dont think the issue involves that ). In Mohelas FAQ, they say to submit a bank statement if payments have been cleared by your bank, but arent showing up in your payment history. I clicked on this link to upload my bank statement file and the link is broken.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and I'm a authorized user on my husband XXXX XXXX XXXX XXXX card but I disputed it because it had the wrong credit score I didn't want them to remove my account from transunion I want them to put it back like it was without charging me a fee thank you
Product: Prepaid card

I purchased XXXX gift cards each for {$490.00} + {$5.00} activation fee for each card. When I tried to register and use the cards, I was informed they cards had been " compromised '' as the cards were attempted to be used several weeks before I even purchased them. So they were not activated as a security measure by the company. They informed me they would send me out XXXX new cards to replace these cards. The XXXX new replacement cards were loaded with {$490.00} - {$5.00} fee. So for buying XXXX cards originally, I have now been charged fees on XXXX cards, the XXXX original and the XXXX replacement cards.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX, I am writing to you once more to address significant legal concerns regarding the reporting of late payments on my student loan account and the management of my account since its acquisition. As a resident of California, I am protected by specific state laws in addition to my rights under federal law. 

First and foremost, I would like to address an issue with the transfer of my loan from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX. I have not received full disclosure following this transfer, which is a requirement under federal law. Specifically, under the Fair Credit Reporting Act ( 15 U.S. Code 1681a ), any entity reporting credit information is mandated to maintain accuracy and full disclosure in its reporting practices. The lack of disclosure in this transfer is a concerning oversight that needs to be rectified. 

Additionally, I reiterate my concern regarding the compliance of XXXX with 15 U.S. Code 1681a. This statute clearly states that reports containing information solely as to transactions or experiences between the consumer and the person making the report should not be communicated without explicit consumer consent. Given this, I request that XXXX respond, under penalty of perjury, confirming your compliance with these legal requirements and provide evidence or explanation demonstrating adherence to this federal statute. 

Furthermore, as per the stipulations of California law and your privacy agreement, I am officially withdrawing any consent, implied or otherwise, for the sharing of my personal information with non-affiliated third parties, including Consumer Reporting Agencies ( CRAs ). 

To resolve this matter, I require the following actions : 1. Immediate removal of all inaccurately reported late payments from my credit report.

2. A comprehensive review of my account to ensure all information is accurate and compliant with both federal and state laws, including full disclosures and proof you sent them.

3. An exact original copy of the entire Master Promissory Note, ( which has been pending for more than 3 weeks of my original request ) 4. Written confirmation that these actions have been completed. 

The seriousness of these issues necessitates your prompt and thorough attention. Non-compliance will leave me with no alternative but to seek legal recourse to protect and enforce my consumer rights. 

I expect a prompt and comprehensive response addressing each of these points in detail. 

Sincerely,
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent this company a letter about some errors on my credit report, but it has been over 30 days, and I still haven't received any response from the company. I was informed that they may be violating the FCRA law for not complying. Please look at this matter ; those errors on my credit need to be cleared as soon as possible.
Product: Checking or savings account

To Whom It May Concern, I am writing to file a formal complaint against Navy Federal Credit Union ( Navy Federal ) with the Consumer Financial Protection Bureau ( CFPB ). I believe that I have been unfairly denied the opportunity to reopen an account with Navy Federal despite resolving all previous financial obligations. 
In the past, my account with Navy Federal was closed due to allegations of fraudulent activity. While I do not agree with the characterization of my account activity as fraudulent ; I repaid the outstanding balance in full to resolve the matter. Despite fulfilling my financial obligations, Navy Federal has refused to allow me to open a new account. 
I have attempted to appeal this decision on at least XXXX occasions, all of which have been denied. 
The most recent appeal was in XX/XX/year>. On XXXX occasion during the appeal process, Navy Federal asked me to explain why I mishandled my previous account and to describe the steps I would take to ensure it would not happen again. I complied fully with their request, yet my appeal was still denied. This lack of consideration is disheartening and frustrating. 
As a veteran, it is deeply upsetting that I am unable to regain access to a benefit I earned and rightfully deserve, especially from an institution that promotes itself as veteran friendly. It is sad that I am being denied the ability to open a checking account, a fundamental banking service, despite resolving all past issues and following the appeal process as instructed. 
I am unable to understand how my account activity could have been deemed fraudulent if I was permitted to pay off the amount owed. Additionally, Navy Federal has not provided any clear explanation or documentation justifying their refusal to reopen my account. This lack of transparency and opportunity to resolve the situation has caused me significant frustration and inconvenience. 
The resolution I am seeking is to be allowed to open a checking account with Navy Federal again. I request that the CFPB investigate this matter to ensure that Navy Federal is acting in compliance with applicable laws and regulations. I also request assistance in obtaining a clear explanation from Navy Federal regarding their refusal to allow me to open a new account and a resolution to this matter. I'm really hurt by the fact that I am a Veteran ran into financial issues at XXXX point in life and now they refuse to give me a second chance. 
Thank you for your attention to this matter. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score dropped XXXX points from one report to the next with no unusual changes on the credit report. I have been trying to get in touch with a representative at Experian for a week just to get an explanation and have been given absolutely no assistance. Any time I am able to reach a representative they put me on hold and immediately transfer me to their automated system, but none of the automated results fit my situation. I have begged representatives to help me or transfer me to a person who can and they have said " of course, please hold '' and then transferred me to the automated system. I feel like I am losing my mind, I just need to get in touch with a representative to make sure that there is no fraud on my account or that it was not a mistake.
Product: Vehicle loan or lease

I have been asking my lender for a pay off letter for the last 2-3 months in order to sell my car to a dealership. The first time I asked was at the end of XX/XX/2023. I asked if they could email me a pay off letter. They asked why I would want that. And I said I want to sell my car and I need a pay off letter stating how much I owe on my loan. They said okay, we'll mail a letter because they are not allowed to email that kind of information. I gave them my address to send it to and never received anything. I called again in the beginning of XX/XX/2023. I asked again for the pay off letter and once again they asked what do I need a pay off letter for. I explained to them I want to sell my car, please send me a pay off letter. They updated my address and supposedly sent the letter. It is now the end of XX/XX/2023 I called them once again. I asked if they sent the letter and they said we are showing you requested it. I told them it's been almost two months and I have not received anything. I asked if they can email me it. Once again they said no. I asked to talk to a manager or supervisor the person said why, I said let me just talk to your supervisor or manager and they told me that there is no manager or supervisor in.

Also my dealer ship had called on my behalf requesting the pay off letter and one person did say they can email it, but of course only the account holder ( myself ) has to request it. But every time I ask for an email, or just mail, or request to talk to a manager or supervisor they just say no.

I could have sold my car two months ago, but they won't send me a pay off letter. It's starting to feel like they don't want me to sell my car and keep paying there interest rate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I disputed a charge of medical bill from account XXXXXXXX XXXX XXXX XXXX XXXX in the amount of {$3300.00}. The investigation can back as verified and I requested a method of verification. The method of verification was not provided to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive worked very hard to pay off everything I owe in the world, paid all delinquent accounts, and negotiated with creditors to update the information on my credit report in a timely manner, or delete them where they should be. Unfortunately, XXXX, Experian, and to a lesser extent XXXX XXXX update the information at their convenience or dont update the information at all. I have gone so far as to obtain letters from the different creditors for whom I needed to update information and supplied those to all three of those credit reporting agencies, and followed up with the phone call and a dispute to make sure the information was corrected. I was met with disdain for even asking why the information hadnt been updated, and still it hasnt been corrected. I check the different agencies for my updated credit score, and in spite of the fact that XXXX XXXX has a visible credit score of XXXX for me, from what I can see on the consumer site, there are still newer, different, and unknown scores and notes, among other information and loopholes, by which these agencies manage to deny you credit and good standing in the eyes of creditors. Most people dont even know there are credit scores or FICO scores other than what you can see when you pull your own credit. It seems to me they dont want you to be able to repair your credit, and by the current system, with all their internal methods of keeping all those scores down, make it impossible to find good standing if youve ever had issues. With the understanding that its a major undertaking to correct the current system and its many loopholes and underhanded methods by which they report, Ill be XXXX  if Im not going to be able to buy a home for my family because of their methods to keep me down. This needs to be addressed, and for myself, it needs to be addressed NOW!
Product: Debt collection

I have a medical debt, and the hospital transfer to collection company which I understand, Now the collection company call me and promise me that if I paid in full they are going to remove the collection from credit report. I paid on XX/XX/XXXX of 2019 and one month late the collection is still in my credit report. 

Is not fair that they promise remove that and they didn't.
Product: Credit reporting

I have a collection that does not belong to me, reported on my reports and I have tried to get them to remove it, but they keep saying they have verified it is me.