23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have reached out to Experian multiple times about the situation. The customer service rep is rude and unhelpful. I made several disputes regarding my credit report. My sisters information is reporting on my credit report. I have disputed it with Experian. Each time they finished the dispute and still reported my sisters information on my credit report. I attempted to resolve this with Experian numerous of times, with online disputes and reported disputes with their customer service phone representatives. Experian is not doing an adequate job of reporting the correct information and removing my sisters information from my credit report. My sister and I have no accounts together and there is no reason why her personal information should be on my credit report. This is a invasion of privacy and Experian has broadcasted my sisters private personal information. Currently my sisters credit card is still reporting on my credit report and my personal credit card information with XXXX XXXX was removed off my credit report and reported on my sisters credit repot. Below are issues that I experienced with Experian. 

Information belongs to someone Information is missing that should be on the report ( missing credit card ) Personal information incorrect ( Ssn, address, name ) I would like my credit information to be updated to report accurate information.
Product: Credit card

Subject : Urgent Complaint Regarding Credit Score Drop and Fraudulent Account on Credit Report [ XXXX XXXX ] [ XXXX XXXX XXXX ] [ XXXX, TX, XXXX ] [ XXXX ] Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Dear CFPB, I am writing to bring to your attention a serious issue regarding my credit report, which has adversely affected my credit score without any justifiable reason. Additionally, there is a fraudulent account, specifically Account XXXX with XXXX XXXX XXXX, that has been erroneously added to my credit report, causing a significant drop in my credit score. 

XXXX XXXX XXXX XXXX : I recently observed a sudden and unexplained drop in my XXXX credit score. Despite my diligent financial management and no adverse actions on my part, my credit score has decreased, impacting my financial standing. I have not received any notification or explanation for this decline. 

Experian Fraudulent Account - XXXX XXXXXXXX XXXX ( Account XXXX ) : Yesterday, I discovered that Experian unblocked a fraudulent account, Account XXXX with XXXX XXXX XXXX, which does not belong to me. This unauthorized account has resulted in a substantial decrease of XXXX points in my credit score. I have taken immediate steps to dispute this fraudulent activity and have contacted Experian, but I am yet to receive a satisfactory resolution. 

XXXX Failure to Remove Fraudulent Account : Despite providing evidence and documentation proving the fraudulent nature of Account XXXX with XXXX XXXX XXXX, XXXX has been unwilling to remove it from my credit report. XXXX XXXX has reported this fraudulent activity to all three credit bureaus, including Experian and XXXX, but XXXX 's lack of action is further exacerbating the impact on my credit. 

Difficulty in Communicating with Credit Bureaus : I have diligently attempted to resolve these issues by contacting each of the credit bureaus. Unfortunately, my efforts to speak with a U.S. representative have been met with unresponsiveness and hang-ups, hindering my ability to rectify these critical matters promptly. 

I kindly request the Consumer Financial Protection Bureau 's intervention to investigate and address these issues promptly. The discrepancies in my credit report and the inclusion of a fraudulent account are causing undue financial distress, and I seek your assistance in ensuring a fair and accurate representation of my credit history. 

Enclosed with this letter, please find supporting documentation, including evidence of the fraudulent account and communication attempts with the credit bureaus. 

Thank you for your urgent attention to this matter, and I look forward to a swift resolution. 



[ XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a letter to the XXXX Credit Bureaus requesting to reinvestigate the disputed items from my credit report as well as update the items from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I am writing regarding a notice I received from your agency concerning the referenced account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) [ 15 U.S.C. 1692g ], I am requesting written validation of the alleged debt.

Please provide the following information : 1. **Verification of the debt : ** - The amount of the debt and how it was calculated.

- The name of the original creditor.

- Copies of any contracts or agreements that outline my responsibility for this debt.

2. **Proof of your authority to collect the debt : ** - Documentation showing that your agency is authorized to collect on this account.

3. **Details of payments and charges : ** - An itemized statement of all payments made on this account, including dates and amounts.

- Evidence of the debt 's ownership, including a complete chain of title.

Please consider this letter a formal dispute of the debt. While I await your response, you must cease all collection activities, including reporting this account to credit reporting agencies. Under the FDCPA, collection activity on a disputed debt is prohibited until validation is provided.

If you can not provide sufficient validation, I request that you cease all further collection attempts and notify all relevant credit reporting agencies to delete any reported information about this debt. 

Please respond to this request in writing at the address provided above. I will need at least 30 days to review the validation once it is received. 

Thank you for your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I would like to bring to your attention what I consider to be a totally unjustified fee charged by JP Morgan Chase Bank ( " Chase Bank '' ).  As other banks may do the same, I thought you should be aware of it in case you wish to investigate the matter with Chase Bank or all banks. 

The fee in question is a {$15.00} charge whenever a personal or small business customer receives a wire transfer to his or her account. To me, such a charge makes no sense at all. 

When funds are added to a customers account through a deposit by check, there is both labor and risk involved in crediting the funds to the customers account labor from the banks employees receiving, posting, sorting and processing the check and risk from the failure of the issuing bank to transfer the funds after they have been credited to the customers account. 

When funds are added to a customers account through a payment by wire transfer, there is neither labor nor risk involved in crediting the funds to the customers account no employees are involved in processing the deposit and no lag exists between the crediting and clearance of funds ( that is, no risk of the crediting of funds to be reversed ). 

Yet, Chase Bank charges its personal and small business customers {$15.00} every time a deposit is made by wire transfer into that customers account, even though it involves no risk and no labor. Only if the customer promises to keep at least {$100000.00} in his or her account does the bank then graciously agree to waive the fee, a fee that should never have been charged in the first place. 

To charge a fee to a customer to make a wire transfer is understandable. But to charge a fee to a customer to receive a wire is illegitimate. 

Absent any rational justification for this charge, it appears to be just another way for Chase Bank to enrich itself at the expense of its customers, this time by taking advantage of the economys move away from paper checks and toward electronic payments, a move, I might add, that has been accelerated by the pandemic by virtue of so many more employees now working from home without access to paper checks or the required signatories. 

I ask you to look into this and demand that Chase Bank and any other bank that imposes the same fee either justify the charge or eliminate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report in XX/XX/XXXX, I learned a company, Genesis Credit Management, had reported a debt in XX/XX/XXXX and never contacted me. To this date, I have received nothing. I attempted to contact them as soon as I discovered the item on my credit report. I wrote to the address on the credit report and XXXX returned the mail undeliverable. I submitted online disputes with XXXX and XXXX. No investigation responses were received from them either. I wrote to other addresses I found for Genesis CM and have never received any response. I sent letters XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX to Genesis. The online disputes were submitted to the credit report agencies during that time and again recently. XXXX has finally corrected the error and removed from their reporting. I have filed a dispute with XXXX as well. I have spoken with an attorney who states they are in violation of FCRA and FDCPA as this effects my ability to move to suitable housing and they did not respond within 45 days with verification of this alleged debt. My right to dispute this debt has been violated. I am being denied housing now in addition to the violation of my rights. To this date, no contact has been made by Genesis to contact me.
Product: Checking or savings account

I have presented HSBC Bank with disclosure of concerns pertaining the request for a debit card that has not been address since the opening of my account. A supervisor has acknowledge the error and noted on the account that indeed a debit card was requested at the time of the account application. The supervisor apologized for the poor practices and said that a debit card would be expedited to me. It has been several months since the opening of the account and I have not been issued a card nor other concerns have been address with propriety. 
The continue failure to act appropriately is unacceptable and I continue to be prevented from using my account.
Product: Money transfer, virtual currency, or money service

COMPLAINT ABOUT COINBASE NAME OF ACCOUNT OWNER : XXXX XXXX XXXX PHONE NUMBER : XXXX EMAIL : XXXX DESCRIPTION OF THE ISSUE : - On Thu, XXXX XXXX, XXXX XXXX I, XXXX XXXX XXXX, received an alert from my Bank of a Withdrawal of {$300.00}, my alert is for transactions above {$120.00}. See Exhibit A - I went immediately to my Online banking and found out that COINBASE did that withdrawal. 
- Immediately I went to COINBASE and found out a few unsettling facts : o My account in COINBASE had now XXXX dollars instead of the XXXX I approximately had. See Exhibit B o There were multiple withdrawals and buys done that day at XXXX +/-, none of them done by me. See Exhibit C o My name was there but all my address information was from someone else. See Exhibit D - I tried to contact COINBASE and there was no way I could contact them by phone, only an automated message telling me they are not able to assist in person. 
- I filed the form they have to complain when we detect unusual or unrecognized activities. See Exhibit E - Please note that when opening my account with coinbase they requested my personal information, State ID, I activated 2 step verification and they verified through my phone, and verified my email. See Exhibit F - I have XXXX XXXX, I have my latest XXXX Update, always verifying I dont have viruses, malware, etc in my computer or browser. Limited extensions added and XXXX XXXX activated. My browser is current as of the date of the issue and all safety measurements have been taken to protect my personal information which is on my computer. 
- Curiously the COINBASE page didnt have a place where I could cancel any recurring charges in case the person who stole my money did it using that option from COINBASE. Coinbase didnt have any tools to track my transactions, COINBASE didnt alert me of selling my money or any of the transactions shown in Exhibit C - All the private information from COINBASE like secret words to access my account are private and no one had access at no time. 

COMPLAIN - How can someone get access to my access to my account without having an alert into my phone or email? 
- How can someone get access and do everything they want without COINBASE noticing any unusual activity? Clearly a person from North Carolina or somewhere else was using my account with COINBASE consent. 
- I want COINBASE to be accountable and return my money because I feel its their responsibility to protect my money, from people who is not ME. I took all the necessary steps. 
- Clearly one of the transfers was sent to an account starting in XXXX and ending in XXXX, that account has to belong to a real person.
Product: Debt collection

On XXXX XXXX, 2021 that read <my name> Your document delivery has been scheduled for Thursday, XX/XX/XXXX XXXX. Document requires signature at XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. To manage delivery please contact XXXX  XXXX XXXX XXXX. Reply XXXX to stop messages. 

I called the number and I was told first it was an attempt to collect a debt. They knew my name and a bunch of information like the last 4 of my social, past employer, bank name, etc. It sounded legit because I've taken payday loans out many years ago. He stated that I defaulted on a {$500.00} loan and fees and interest has grown the amount owed to over {$2600.00}. I can settle with him, the rep, for {$500.00}. If I do that, I won't be reported to credit bureaus but the notification I am to get tomorrow is voided because I called. He said he'd send an email about settlement while we were on the phone. I told him I would not pay anything today and that I need to see it all in writing. He said that would mean I am defaulting and disputing which meant it would be reported. I asked who I was talking to and he said he is with R & R Collections, his name is XXXX XXXX, rep number XXXX. He talked very quickly at that point. He then reiterated that I am not agreeing to settle and I can dispute it. He then hung up. I called back, was put on hold, then finally got a woman who told me the name of the creditor is XXXX XXXX XXXX. That is not a company that XXXX  well and the woman told me that they are a parent company of many payday loan companies. She also said she doesn't have a phone number for them. I have reported this to the Texas XXXX  and will write to R & R to stop calls. BTW-I tried calling the R & R Collections in Texas and there was no answer. This screams scam but if I do owe money I need the actual company to call me and discuss it.
Product: Student loan

According to studentaid.gov during the SAVE forbearance interest is not being charged. However Mohela has still been adding interest and charged interest on a grant I received. I called and was told incorrect information. I would like the interest removed for the correct time frame and for my whole payment to go towards principal.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, NJ XXXX I am contacting you because you claimed to have completed a reasonable investigation with the furnisher of information and verified the account listed below as reporting 100 % accurate. However, the following accounts are STILL inaccurate and those companies are STILL continuing to report errors on my credit file, which is causing damage to my credit score. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now is not the time to update, I demand that you IMMEDIATELY DELETE this inaccurate information from my credit report. 

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

I applied for my annual credit report online through the FTC official website at  XXXX  and the  XXXX  credit reporting agencies I request a free credit report from refused to give me the opportunity to dispute an existing problem with over-charges b y two  institutions for a subsidize and unsubsidize direct loan,  perkins loans   plus there suppose to be in deferment status and   XXXX   is reporting or posting the wrong information on my credit report. I tried to request a dispute and their webpage refused to meet my request. In addition, my complaint involve s two financial institut ions that serviced the student loans  XXXX   XXXX   XXXX   XXXX   and   XXXX   XXXX   XXXX   XXXX . I believe a direct loan check was cashed in my identification and I 'm being billed for the over-payment.
Product: Student loan

XXXX XXXX XXXX. 
First one was thru XXXX XXXX.Loan paid on and then a period of forbearance offered several times. Over years much was paid in, moving, and then changes to companies management of loan. Last loan manager I spoke with was XXXX. I had been making payments to them for some time. In XXXX, I was dx with XXXX. Job gave me XXXX from XX/XX/XXXX to XX/XX/XXXX to assist with cost of living. I had surgeries and complications. In early XXXX I spoke with XXXX and explained circumstance and my age, over XXXX. They asked how many years I had severed the public as XXXX XXXX XXXX. XXXX. At that time they forgave my loan. He sent me a letter of XXXX balance and forgiveness. 
Now I have received a letter from a new company that states they have assumed my loan! And said i can start paying {$590.00} A Month!! As of XX/XX/XXXX. Holy cow!! I have been so upset. Im XXXX yrs old now, on Social Security and can hardly meet everyday living costs! I think this has rehit my credit report has my score is falling. I have been upto date on payments and guess this is why. 
Fraud and against a senior, who spent all her life caring for ill. 
Please help me with a resolution to this FRAUDULENT activity I am looking for paper from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

FL XXXX XXXX XXXX XXXX MD is incorrectly reporting a collection on my credit report. I have no knowledge of this account and I am not responsible for any debt reporting from this company. This account that is being reported negative on my credit report does not seem to be reported accurately and legally per FCRA.
Product: Mortgage

I have repeatedly contacted my Servicer, with the desire to resolve and settle my account. My current Servicer was also at one time the owner of my mortgage. I have received the " run around '' to say the least. Complaints that I have filed with CFPB have been answered insufficiently, with answers that are either incorrect and/or do not apply to the issues. On XX/XX/XXXX, Mr. Cooper Associate, XXXX XXXX, replied to the complaint which I filed on XX/XX/XXXX. The complaint was regarding Nationstar/DBA Mr. Cooper and previous OWNERS of my mortgage who have not sent Welcome and Good-bye letters when my mortgage changed OWNERSHIP, as required by the Truth in Lending Act, 15 U.S.C. 1641 ( g ) Liability of ASSIGNEES states requirements for OWNERS, ASSIGNEES, AND CREDITORS of the mortgage. In her response, Ms. XXXX stated the following : " Our records confirmed that XXXX XXXX XXXX  XXXX XXXX has been the active owner of the account since XX/XX/XXXX ; therefore, no notification regarding the change of the owner of the Note as the owner has not changed. '' This is inaccurate information, as proven by attached Assignment of Mortgages dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to documents recorded with my local County Clerk, Nationstar Mortgage LLC/DBA Mr. Cooper was the owner between the dates of XX/XX/XXXX and XX/XX/XXXX. I contacted Ms. XXXX by email on XX/XX/XXXX, asking her to address this incorrect information, along with other issues. I have still not received a reply. I am attaching the email which was sent to Ms. XXXX. Ms. XXXX also stated that after reviewing my account, it was found that the account originated on XX/XX/XXXX. I have also inquired as to who the account originated with according to Mr. Cooper 's records.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Inquiries in Dispute : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.
Product: Debt collection

There is a collections notice place on my account pertaining to XXXX and I do not owe XXXX anything nor do I owe this collection company anything. All debts to XXXX have been paid to XXXX and all equipment has been returned. I have Receipts and tracking numbers for proof.