23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Date of incident XX/XX/2023 Kohl 's recently partnered with Capital One to handle credit card payments for them. Until today I would have had an option to use my Kohl 's card or the Kohl 's VISA card with Capital One when I logged in. Today the only option I had was the Kohl 's VISA card. 

When I tried to use the Kohls VISA while shopping online, it said I had to connect the card. In order to connect my card I had to enter the account expiration date and security code. I didn't have this information because I never received a physical card ( plastic card ) from Capital One. I called Kohl 's and was told I had to contact Capital One I went to the Capital One website and saw a red box that said Kohl 's VISA in big letters with a drop down box to " get your virtual card ''. I clicked on this box and wrote down the account number ( ending in XXXX ), expiration date and security code. I tried to use this to process my purchase on the Kohl 's website. I kept getting error messages that I did not enter the correct expiration date or security code. 

I called Capital One and explained the above to them. The representative told me that the virtual card was my Capital One card ending in XXXX. My Kohl 's VISA card had an account number that ended in XXXX. I repeatedly told her I want to know the full account number, expiration date and security code for my Kohl 's card. I could not connect the Kohl 's card without this information. She refused and kept telling me I could just use my new Capital One card ending in XXXX. I adamantly refused to use their card and demanded to speak to a supervisor. She told me my Kohl 's account ended in XXXX and the expiration date was XX/XX/2023. I demanded to speak to a supervisor. 

When I spoke to the supervisor, she would not give me the full account number, would not give me the security code, would not provide a plastic card and would not provide a virtual card. When I threated to report the credit card company she connect the Kohl 's VISA to my Kohl 's account so I could use it to make a purchase. This process took more than one hour. 

I don't know if I'll be able to use my card on future purchases. Most purchases I make online with a saved credit card still ask for the security code. If that's the case, I won't be able to make a purchase using my Kohl 's VISA without going through drama on the phone with Capital One. 

If I hadn't threatened to report them form credit card fraud, my Kohl 's VISA would not have been connected. It appears to me that Capital One is trying to force Kohl 's customers to use their credit card instead of the Kohl 's VISA.
Product: Credit reporting or other personal consumer reports

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 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 XXXXXX/XX/XXXX I looked at XXXX Experian credit report on XX/XX/XXXX and noticed some things are are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisherof that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are supposed to 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

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

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

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

I have noticed that the information on my credit report is incorrect so I contacted Experian, XXXX and XXXX multiple times to make corrections but to no avail and it is affecting me badly. I had my credit report analyzed and the result from the analysis shows that Experian, XXXX and XXXX are reporting differently on specific accounts which goes against the Fair Credit Report Act. ( uploaded copy of proof of analysis from XXXX XXXX XXXX  ) I spoke to XXXX concerning a loan to fund my business, and they told me that I needed a credit score of 600 and up plus all necessary business documentations in order to secure {$70000.00} ( XXXX XXXX dollars ) for my business so I submitted all necessary documents granting permission to run my credit which I knew was over 611 at the time ; XX/XX/2022. 

XXXX refused to loan the {$70.00} because Experian reported to them that my score was XXXX instead XXXX so I reached out to Experian to ask them why they are reporting XXXX instead of XXXX and I didn't get an answer or resolution. 


Just two days ago, on the XXXX of XXXX I was denied another loan by XXXX because Experian misinformed XXXX too and told me my score is XXXX instead of XXXX. 

I have never conducted business with the following negative accounts on my record namely, XXXX. XXXX ( XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX  XXXX and have reported this to Experian multiple times but to no avail. 


I signed up for Experian boost by connecting my bank account in order to boost my score as I pay my bill on time. The bank account I connected to was opened about 4 years ago and Experian boost has access to all that information including my latest balance yet I never got a boost till date but instead Experian boost pulled up a non existing XXXX XXXX  phone records to qualify me for a boost which will be impossible because I do not live in XXXX but New York for the past 10 years. I called in to alert them of the situation but it is still the same and I do not know why.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing two errors on my credit report with Experian for the past 2 years. There are two bankruptcies on my credit report that I have explained to Experian, that they arent mine. Ive let them know on several occasions that my purse was stolen some years ago and that I had a fraud alert put on my credit because of it. I told them that I never filed bankruptcy in XXXX and that these bankruptcies arent on any other credit bureau reports, but theirs. I contacted the Bankruptcy court and they stated that they did not verify nor validate any of that information to any credit bureau. I have been doing this same dispute with them every month consistently, for the past 6 months and they have kept it on my report. Stating that their investigation deemed it true that it was mine. When I disputed it on XX/XX/XXXX, they closed it on XX/XX/XXXX, stating that it was to remain on my credit report. I have sent documentation to them confirming that the court stated they didnt verify that it was my information. Experian even went as far as to tell me that at some point, that my credit report and someone elses credit report was mismatched with one anothers. But that they fixed the errors and that everything on my report now with them, is indeed mine. This is an issue for me, as there are addresses attached to my credit report that arent mine. And two other accounts that arent mine, as well. Which proves that this error on their part, has not been fixed. But the issue that is the most imperative for me to be resolved, is the two bankruptcies that were filed in XXXX  on my report, that need to be removed ASAP. As this has been an ongoing issue for the past 2 years.
Product: Credit card

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX Social Security Number : XXXX To Whom It May Concern, I have received my credit report from XXXX, XXXX, and XXXX. I have contacted Macy 's numerous times and even disputed it with the Credit Bureaus. I am requesting A goodwill adjustment to remove the late payments in order to finance a home. I know this request is unusual, it is ruining my good credit standing. I have had a mishap, and realize things happen. If you look at my records, I was always on time and this was years ago. The late payment is reported to XXXX and XXXX bureau and I am requesting removal of these XXXX late payments below. 

Company Name Account # Date Account was Opened Late Pmt. Dates Macys XXXX XXXX XXXX & XXXX Sincerely, XXXX XXXX
Product: Mortgage

This has been going on a while with Wells Fargo. We were in two modification plans with Wells Fargo. On the first one had a great home preservation specialist, XXXX XXXX, she worked closely with us and understood would be making the payments by the end of each month of the plan. She was in contact in the event of any problems. The problem occurred on the last payment of the first plan. Our bank account got hacked and we had that payment bounce. We called XXXX right away and she spoke with her manager and then told us that could put us on another modification but would be dealing with another representative. We got set up on that modification. We got word of the new rep by the name of XXXX XXXX. She was of little to no help. Sent an email that was explaining that payments would need to be made weekly but would be there by the end of each month of the payment plan. She did not bother to acknowledge this email. Another more direct tone was taken and she responded saying that was still okay and she understood. In two other complaints, submitted paid receipts showing that all payments were in fact made. XXXX took what she told us was a payment needed before could get the final paperwork sent out that was for {$20.00}. We paid that and it cleared our account. Then we kept waiting for the paperwork and never got it. Received and email from XXXX XXXX, stating modification was denied. Additional paperwork would be sent to explain. XX/XX/18 received the paperwork but it made no sense to us. We had all ready showed Wells Fargo all the paid receipts. They supposedly received out CFPB complaints but due to work schedules can not speak with them. keep leaving messages for one another. A XXXX from the home office says they are reviewing. They have been reviewing the first one for over the allotted time given by CFBP. Asked for an extension and still have not been able to discuss due to work schedule conflicts with them and us. Sent a second complaint and now received in the mail letter from collection agency acting like we are giving up. The intention is to keep the home but feel like Wells Fargo is not the least bit interested in helping us do this. Continuing the process without even trying to make contact with us via phone or email is just not professional. We also received a check from Wells Fargo stating could not put to our mortgage in the amount of {$88.00}. We never made any payment of this amount to Wells Fargo. the only amount we paid was over the phone on XX/XX/XXXX for the {$20.00}. XXXX should have not taken the payment if there was any problem. She should have been in contact with us and helped to straighten things out.
Product: Debt collection

In XX/XX/year>, I became unemployed and reached out to GoodLeap to discuss payment arrangements. They offered a program that they said would last XXXX months. During this period, I made several payments, yet they repeatedly threatened to shut off the solar panels. In XX/XX/year>, I contacted them again and made XXXX additional payments after receiving further threats. Despite making multiple payments, I continued to receive duplicate bills with different due dates, accompanied by threats of panel disconnection. 

In addition, they reported to the credit agencies that my payments were a month behind, even though I had made XXXX payments during this time. Despite my ongoing efforts to resolve the matter, they have shut off the solar panels, misrepresented the facts, and have not honored the terms of the payment agreement. If I am not receiving the intended benefits from having the panels installed, I am requesting their removal from my property if they aren't serving the purpose for which they are installed.
Product: Credit card

I made a transaction of {$11.00} with XXXX, posted on XX/XX/XXXX. I called BoA on XX/XX/XXXX for this transaction to make sure it was eligible for the lifestyle credit. The lifestyle credit covers streaming services and XXXX is a music streaming service. Moreover, the merchant code is XXXX which qualifies the credit. This is what I received from the first phone call. On a second phone call on XX/XX/XXXX, the representative told me the conflicting information that XXXX did not qualify for the lifestyle credit even if the merchant code is expected, and added that BoA had a list of merchants for this lifestyle credit while not clearly and publicly specified in the benefit document from both online and paper one I have. This is definitely not a good advertising practice for a credit card from a large bank like Bank of America. This makes consumers difficult to use the credit or benefit. 
I am a platinum honor member of BoA due to my deposit there and I feel really upset about this credit card practice.
Product: Credit reporting or other personal consumer reports

Credit card provider ( JPMCB ) pulled address information from vendor ( XXXX ). They informed invoice was sent to a shipping address instead of mailing address. I never receive the invoices until I called them and the mailing address was updated. When I received the invoice it included interest and penalties which I disputed. After several attempts JPMCB accept their mistake and eliminate the extra charges. We agree on a payment amount that I paid immediately and ask for the account to be closed. They included the period under the dispute as delinquency affecting negatively my credit profile. This ended up costing me in decreasing my credit score and missing a loan offer ( low interest ) to finance a new car on XX/XX/XXXX. I disputed the item with each credit report company and each one refer me to the reporting company ( JPMCB ). I wrote to JPMCB and they asked for additional information giving me the opportunity to provide it by phone. Today ( XX/XX/XXXX ) I called them to provide the information. After explaining the situation, I was notified that they are not going to make changes in the reported information and advise me to file a dispute through annualcreditreport.com. That action was previously done without success.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), Account Name : XXXX XXXX with the account number : XXXX has violated my rights The violation occurred as follows : 1. 15 U.S.C 1681 Section 602 A : Right to Privacy The FCRA grants me the right to privacy regarding my credit information. It has come to my attention that the handling of my personal and credit information associated with my XXXX XXXX account has breached this right. I request that you review the privacy aspects related to this account.

2. 15 U.S.C 1681 Section 604 A Section 2 : Written Instructions Requirement As per the FCRA, a consumer reporting agency can not furnish account information without my written instructions. I have not provided any written instructions authorizing the furnishing of information regarding my XXXX XXXXXXXX account. Therefore, I urge you to investigate the source of this information and take appropriate action to rectify this violation. 

I kindly request that you promptly investigate this matter and take necessary measures to address the violation of my rights under the FCRA. I expect a thorough review of the information associated with my XXXX XXXX account and a written response outlining the actions taken to resolve this issue.
Product: Credit reporting or other personal consumer reports

I originally submitted a dispute in early XXXX for a late payment correction to be made to my real estate account. I uploaded forms from my bank that indicated there was never a late payment. 
Experian then instead of correcting my account simply deleted the whole real estate account from my report. I then called them back and explained what they had done and they said they would need to open a new dispute since the old one was closed. I am frustrated as to why I need to wait another 30 days because they deleted the whole account verses the late payment. This is not my fault. Can you please help me get this tesolved
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Regardless of the complaint requests, the unverified negative account listed below is still reporting on my credit report in violation of federal law. I have not recieved any response about the letters i sent, dated last XX/XX/XXXX, XXXX.The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the Credit Bureaus as willful negligence and non-compliance with federal statutes. Please remove the following account completely from my Credit Report : XXXXXXXX XXXX-Balance XXXX XXXX-Date Opened : XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

PLEASE MAKE THIS INFORMATION PUBLIC. 

False Advertisement by Apple Card. 

I bought two XXXX  XXXX and was double charged. 
I bought two XXXX XXXX tickets and was charged for Three tickets. 
Several unsuccessful attempts had been made. Apple Card only act with the intervention of CFPB. 

Apple Card promised a 3 % cash back. 
Where is my 3 % cash back. 

My Apple Card account is unilaterally closed.
Product: Money transfer, virtual currency, or money service

I submitted case # XXXX to CoinBase during the week of XX/XX/XXXX due to my funds being locked into a digital vault that I can not access due to a secondary authentication email that I did not provide to XXXX and can not change. 

I have received no response from the company. 

The image with the XXXX address is not my email and Coinbase has failed to help me resolve this issue.
Product: Student loan

My loans were transferred from Great Lakes to Nelnet during the pause on federal loan repayment. Nelnet has now had my loans for almost XXXX year. On the Nelnet website, underneath the " payment schedule '' section of the website that should show me the current rate at which my loans will be repaid, as Great Lakes always showed, I get the following error message : " Due to your loan status ( for example, your loan recently transferred to Nelnet, or you haven't entered repayment ), your payment schedule has not yet been generated. '' Nelnet has had a year to generate this information but has failed to do so. My first communications with Nelnet are around XX/XX/XXXX, so they aquired my loans prior to that date. I've repeatedly raised this lack of payment schedule information with Nelnet and no one can give me any information. In addition, they continue to make mistakes with processing my loans. My XXXX, XXXX loan payment was only applied to a single loan, rather than across my loans, and I only realized because I got an alert on XXXX that my loan balance had increased. Additionaly, continues to " accidentally '' advance my payment date although I have repeatedly asked them not to and have had to call and correct this. When I called Nelnet, the customer service person told me that " accounting had made an error. '' Obviously by misapplying my loan payments, there is a financial benefit to Nelnet ( my other loans will capitalize ). Then, I got a notification that Nelnet is transferring my loans to something called " XXXX XXXX. '' When you XXXX this company, it doesn't even have a real website. It says " website coming in XXXX. '' The customer service agent at Nelnet told me that this is a commercial loan servicer and she didn't understand why my loans would be transferred there. It seems like Nelnet is entirely underwater with these loans they received and are entirely unable to handle processing them, and are now transferring them elsewhere without ever providing any of services they needed to provide us. Great Lakes was significantly more capable than Nelnet has been so far. I am seriously concerned about the risk of fraud given the transfer to XXXX XXXX and the " accounting errors '' and lack of information available on Nelnet 's website.
Product: Credit reporting, credit repair services, or other personal consumer reports

After communicating with XXXX XXXX from XXXX XXXX  Fraud & Risk Specialist team 45 days later. He sent me over a contract with the signature that is NOT mines also the address is incorrect. This erroneous contract did not have my apartment number on the contract the debt they claim I owe. I tried telling them that multiple times to delete this invalidate dept from my credit report neither creditor or XXXX, Equifax and XXXX failed to comply. I wanted this account deleted my account immediately after I realize its on my credit report in addition of these agency is in violation of 15 USC 1692g.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT WAS CHARGED ON THE FOLLOWING DATE ( XX/XX/2020 OF THE FIRST CHARGE ) SINCE THEN THE ACCOUNT HAS BEEN UPDATED REPEATEDLY AS CHARGED EACH MONTH. THIS IS AN UPDATE TO THE PAYMENT HISTORY. A CHARGED ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY. IT IS INACCURATE THE INFORMATION FALSELY MANIPULATES THE PRESCRIPTION. DID NOT INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLIGENCE HAS VIOLATED MY RIGHTS. I AM DEMANDING THE DELETION OF THE FOLLOWING ACCOUNT : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

They are furnishing addresses that are not mine! I have never lived at those address. they are none mailing address for me.