23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I drive for XXXX  and I get money directly deposited to my account from XXXX  every week. On XXXX XXXX, XXXX, XXXX  was supposed to direct deposit my earnings into my checking account. Instead, they decided to debit my account for the amount of my deposit which resulted in my account being overdrawn by over XXXX dollars. I contacted XXXX  to tell them of their mistake and they vowed that this was done In error and that they would fix the mistake and deposit my money as soon as the next business day. Which is exactly what they did. However, they never removed the initial debit from the account. So my account started at a XXXX balance, then was debited for {$660.00} ( XXXX balance, then a deposit was added to my account for {$660.00}. This left my account with a XXXX balance instead of having a XXXX balance. I have contacted my bank and XXXX  almost daily since this took place and have had no resolution from either side. Both sides claim that I need to talk to the other party. XXXX says they have no access to the information on my bank account so there is nothing they can do. Netspend says that they are reviewing it and reviewing it but nothing ever comes of it. When I call to speak to the dispute team their phone just rings and rings and then hangs up. When I email, I receive a message of please allow x amount of time while we review. This has been going on since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Went online to check my XXXX report. Couldnt sign in. I called the # XXXX XXXX XXXX - XXXX assisted me and gave me another direct number to call the consumer help at XXXX. While on hold, i decided to online chat - Had a very long chat with XXXX only to find out the only phone number associated with XXXX is XXXX. 
I took a snap shot of out conversation and told them, if they cant get into my account, i would report this is whomever I can. 

A bit of background - 2 months ago, while at work, XXXX XXXX person, XXXX, came over and laughed then asked me if I tried to collect unemployment, now both of us are laughing - the answer was " NO ' ; so she said someone filed for benefits under my Social Security number. 

Not sure if this is all related, but I am sick of it all. 
I will pray that you can obtain the answer quickly and easily. 

Have a XXXX day and stay well.
Product: Credit reporting or other personal consumer reports

Any information that are inaccurate and/or outdated must be deleted immediately from my credit report as they are not reportable as per the FCRA since they are inaccurate. 


INCORRECT ADDRESS, PLEASE DELETE THIS FROM MY CREDIT REPORT! 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX
Product: Debt collection

I combated LVNV finding via online portal and to no avail. They are fraudulently trying to collect on a debt that was a result of IDENTITY THEFT and the original creditor was made a aware of this before and the minute I told them they sold it over to another agency and then told me they no XXXX  no own anything to do anything. Then I turn around and LVNV finding has this same fraudulent account that has been already previously documents FRAUD on my credit report. I am in the military and never authorized nor opened any account with this company and never signed any contacted with LVNV nor the original creditor who already knew this was fraud. I dont even live at the address listed on the account. At this point if this is not removed from my credit report and out of their system I will contact my military leads for an attorney and sue this LVNV company for knowingly tryi n to collect ona. Fraudulent account. Two identity thefts reports were filed in XXXX XXXX and XXXX when I came back from XXXX and somehow this company still ended up placing one of the fraudulent accounts on my credit report when all other banks ceased and desist knowing they were FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit for the first time in years there were many Fraudulent accounts and inquiries that I didnt recognize and accounts that I didnt open as well as wrong name and addresses on my reports! I sent certified letters and FTC report about identity theft/fraud. I have sent many certified letters and called XXXX XXXX XXXX asking for all statements and documents on this account that is on my report.They keep reporting without providing and validating me the information that shows that this account belongs to me with my signature as well as every document with payments, purchases any and ALL information they have on this account! I have sent them FTC report and they are required to give me all documents with signatures and payments and statements but they have not done so! Each time I have called and disputed many times they change the date just to change something and Damaging my credit without proper validation that this is my account! I want the proof that they have provided this fraudulent debt to FDCA and FRCAs! Theyre reporting inaccurate information to Equifax, XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2020, MIDLAND CREDIT MANAGEMEN add a derogatory marks on my credit reports per XXXX, XXXX  and XXXX. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all.A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA MIDLAND CREDIT MANAGEMEN has violated my rights as a consumer and I requesting legal action to remove this account immediately.
Product: Credit card

I initially applied for a credit card email offer, but did not receive a confirmation or response. I remembered my credit is frozen, so I unfroze it with all XXXX bureaus and tried the application again. That second application was then declined because it said I already had an application in process. Then the first application was also declined because it said I had another application in process. My application was declined without review or consideration due to the system already seeing the duplicate application and has been stuck in this loop. Ive called customer service several times and they say they have no way of fixing this or escalating the issue. I would like to have Application ID : XXXX properly reviewed and issue an actual evaluation of whether or not I should be eligible for the offer that was emailed to me.
Product: Mortgage

Mr Cooper is the Mortgage Servicer to whom my home loan was recently sold. At my previous servicer I was enrolled in bi-weekly mortgage payments, which allows me to pay off my loan a little faster through automated payments that add up to making one additional payment per year.

Upon my transition to Mr Cooper, I have learned that though they offer this payment method, they seem to discourage it by making it cumbersome and convoluted to do so. The existence of the option is not clearly available on the website, and I only found the option through internet searching outside of my personal payments account. Information is here : https : //www.mrcooper.comXXXX I am asked to CALL Mr. Cooper to set it up. I called and was told that it must be done via email. I recieved a link to a " secure messaging account '' that allowed me to receive messages from Mr. Cooper 's " research team. '' I had to create an account to see the message that had the information to set up my automatic biweekly payments. 

Once I read through the document I filled out the required forms. The requirements were burdensome compared to the online autopay requirements, ( including signatures from both names on the mortgage ) and attached the necessary documents ( including a voided check ) and sent them to the email address provided. 

After sending my documents in I waited several days, I was unable to check the status until I received a denial letter from the company citing that I had not prepaid my loan. I immediately prepaid and sent an email to the address given to me in the denial with all the information I had received and sent in to date. I waited 5 days with no response and called the company, who told me that the only way to work with the team that handles biweekly payments is through email and that I had used the incorrect email. 

Mr. Cooper takes autopay digitally, and can be setup in seconds, but to autopay biweekly, one must surmount burdensome and unnecessary hurdles.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX -credit limit not  XXXX  accounts with a balance   XXXX    still showing on report  XXXX   XXXX  -  XXXX   XXXX   XXXX  card.   Age of credit history not current.
Product: Debt collection

Bull City Financial Services took over a medical debt that I MAY HAVE had from, before I was married, 12 years ago. The debt was from XXXX XXXX. My husband and I filed chapter XXXX bankruptcy on XX/XX/XXXX : Case # XXXX. No one showed up to our federal court hearing! This company MAY HAVE re-submitted this an old collection, that was included with our bankruptcy, in XX/XX/XXXX. When I contacted the company, they gave me the run around and said they couldn't locate anything about me. I disputed this collection with the major credit bureaus, explained my situation, and now they are launching full investigations. This, in my opinion, is potentially fraudulent because I have never visited healthcare providers from XXXX XXXX AND this Bull City Financial could not provide me with any information regarding the derogatory account they reported on my credit. When I requested a letter of debt validation, they said they would not be able to provide that for me. This is beyond harassment, what they have done is against federal law. My bankruptcy attorney is XXXX XXXX, of XXXX XXXX XXXX , XXXX. This company needs to remove the collection from my credit report or I will seek legal action against them! This company needs to be held accountable for underhanded actions, such as this.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment and concern regarding Vystar Credit Union 's lack of response to my dispute, which I submitted on XX/XX/2023. Despite my diligent efforts to resolve this matter amicably, I have not received any communication or investigation results from your institution, in direct violation of the Fair Credit Reporting Act ( FCRA ). 

I provided you with the necessary information and context in my dispute letter dated XX/XX/2023. In my communication, I clearly stated my concern regarding the accuracy and completeness of the accounts that you are reporting on my credit report. 

My primary objective in submitting this dispute was to request validation of these accounts and to ensure their 100 % accurate reporting. Given that I have reason to believe that these accounts are not being reported in accordance with the FCRA 's guidelines, I also requested their immediate removal from my credit report as a corrective measure. 

As of the date of this letter, I have not received any investigation results or communication from Vystar Credit Union regarding my dispute. This lack of response not only disregards my rights as a consumer under the FCRA but also raises concerns about the adherence to ethical reporting practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name changed due to a divorce over 10 years ago ( and Ive legally had it changed back to my maiden name right after the divorce was finalized ). Equifax is the only credit bureau that doesnt seem to have anything correct on terms of anything in the past 10years. I have faxed, mailed and spoken to them so many times it is becoming emotionally exhausting. I have confirmation numbers and correspondence to show this. They need to get it together. HELP! Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a past client of Experian. Due to a data breech it was recommended that I restart my credit monitoring for at least one year. So in XX/XX/XXXX, I signed up for one year and was told it was a complimtery subscription. I noticed today that my credit card was charged for {$99.00} for XX/XX/XXXX membership for which I was not aware I had approved. I called customer service and was on hold for 2 hours and 38 minutes. When they finally picked up, they cheerfully agreed to refund my money and cancel my membership. However, why should one have to wait 2 and 1/2 hours to speak with a representative. They may be monitoring my information but if Im unable to speak with them easily enough, what help is it. Their web site did not give any other way to contact customer service except by phone or letter. The long wait encourages one to give up and thus keeping a client from cancelling their service.
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions I requested that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX be removed from my credit report for unlawfully re-aged payment and charge-off dates Proof of Charge off Status are easily track via the credit reporting agencies own internal data and reports given to me. I never committed any act that trigger the re-aging of the account or starts the statute of limitations clock all over again. XXXX XXXX XXXX has submitted numerous dates as the Charge off date and has also submitted various updates to payment status. Due to situations beyond my control my last payment to XXXX XXXX XXXX was XXXX of XXXX. However XXXX continued to update as if payments were being made. XX/XX/XXXX. Later the debt was posted with new charge-off date of XX/XX/XXXX, then again as XX/XX/XXXX. The date that the creditor places the account for collection is not the basis for calculating the delinquency date. The collection date is calculated based on the consumers delinquency, not the creditors later actions. The Credit Reporting Agencies also makes it difficult to Request consumer disclosure file. The consumer disclosure file would assist me in providing proof of my claim. However when I have called the credit reporting agencies I have been told that I could only receive a credit report not my full disclosure file not even if I paid for it. I made the credit reporting agencies aware of these unlawful reporting instead of removing XXXX XXXX XXXX, from my credit report the agencies allowed to continuously harm me for years by updating the following information. After I pointed out my account was re-aged the Credit Reporting Agencies allowed XXXX XXXX XXXX to update the information and stated that the " account information disputed by consumer, meets FCRA requirements. '' I feel that no real independent investigation was performed by any of the credit reporting agencies. FCRA requires that all information reported be true and up to date. 

Re-aged charge-off dates according tot the Credit Reporting XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX is in violation of the following VIOLATIONS OF THE FAIR DEBT COLLECTION PRACTICES ACT 15 U.S.C. 1692e re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ).

Making a false and misleading representation in violation of 1692e ( 10 ).

Pursuant to 15 U.S.C. 1692f, a debt collector may not use any unfair or unconscionable means to collect or attempt to collect any debt.

Defendant 's debt collection efforts attempted and/or directed towards the Plaintiff violated various provisions of the FDCPA, including but not limited to 15 U.S.C. 1692e I pray that the Consumer Financial Protection Bureau will assist me in obtaining relief and also that XXXX XXXX XXXX is removed from all Credit Reporting Agencies immediately
Product: Debt collection

Ive was with XXXX XXXX for a few years. My kids father was added to my policy being that he travels with our children! He got in an accident and it took my policy from {$190.00} to {$390.00}. I decided to shop around for a cheaper insurance policy and decided to pay XXXX XXXX their last payment before departure! The moment I let XXXX  was contacted about a payment I supposedly never made, which was months prior to my departure. I pulled up their policy and it states that if no payment was received then per policy would be considered lapsed! I asked them to send me proof that no payment was received as well as proof that I was insured. They failed to send me anything! I looked at their policy again and it isnt showing anything about term limits or anything about send it to credit unions! I was also contacting by a third party stating that I owed them when I never have permission to be reached by any third parties! My credit has been affected by this issue and I shouldnt be victimized by this
Product: Mortgage

Dear CFPB

Nationstar Customer Relations Department  c/o Mr. Cooper
XXXX XXXX XXXXXXXX TX XXXX

RE: Nationstar Mortgage LLC (d/b/a) Mr. Cooper. Mortgage Number‐XXXX

I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made on
X/XX/2014, when the principal balance was increased from XXXX to $XXXX and eventually increased to $XXXX.

The original principal balance and the original loan amount is $XXXX. The current principal balance is XXXX more than the original loan amount.

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately $XXXX. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and loan amount.
…………..
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team; my Chapter XXXX attorney; the Chapter XXXX bankruptcy trustee and court.

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date.

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of XXXXXXXX.

I request that the current foreclosure action,  be cancelled and the correct principal balance be corrected immediately. 


Sincerely,

XXXX XXXX
XXXXXXXX XXXX XXXX XXXX CA XXXX

Nationstar Mortgage Number-XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, my credit card was apparently used at XXXX XXXX # XXXX ( {$2000.00} ) and XXXX # XXXX ( {$860.00} ) in XXXX, GA. I still had my physical card in my wallet, but was later told by my credit card company, Suntrust, that a chip reader was used for the purchases. The purchases were both made between XXXX and XXXX XXXX EST. I saw the charges online, froze my credit card, and called Suntrust within a couple hours of the purchases being made. I was in XXXX County ( XXXX, Ga ) at work at XXXX XXXX XXXX during the time of the purchases which can be verified by my clock in/clock out times. I contacted the merchants XX/XX/XXXX and was informed that they did have video recordings for the investigation. I contacted the police but did not file a report at that time since I was told I would have to go to XXXX to do so, and I live in XXXX, Ga ( my credit card billing address is in XXXX at my parents address ). The fraud investigation was done through the credit card company and I was emailed on XX/XX/XXXX that the claim had been denied, and the charges were deemed valid. At that point I contacted multiple people at Suntrust including several supervisors and was informed I could not speak to anyone from the investigation and they had no further recourse. The only reason I was given for why the claim was denied was that a hip reader was used. I spoke with a branch manager in person, and he filed a formal complaint with the company. I was also told an escalation email had been sent to the fraud investigators but that they may not respond to it. I filed a police report on XX/XX/XXXX to try and retrieve the video footage and information regarding whose XXXX XXXX membership was used for the purchase as I am not a member of XXXX XXXX. I did not authorize nor do I have any knowledge of these charges, and I am currently being held financial responsible for them on my Suntrust MasterCard credit card. I have been told by the company there is nothing else to do about the situation which sounds insane to me.
Product: Credit reporting

XXXX obtained a copy of your EXPERIAN Credit Report on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I contacted XXXX via phone, letter, and contacting Experian requesting to provide me the physical evidence ( documentation ) that confirms I authorized XXXX to run my credit with Experian 2 times. Both parties have failed to respond to my request. Copy of the letters can and will be submitted upon request.
Product: Credit reporting, credit repair services, or other personal consumer reports

All ( 3 ) credit bureaus have been reporting inaccurate information when reporting. I tried to apply for several rental properties and was denied because the credit bureaus was reporting to company, that they could not verify who I was, I had no credit history, or had fraud alerts on my account. I believe that they had a fraud alert on my report for well over 7 yrs, and just now founding out about it in XXXX. I was not the one to put the alert on there. I would get letters stating that my information my have been obtained by hackers and the bureaus were monitoring. When applying for apartment rentals, I would submit necessary identification, and would get denied based off not enough credit history. XXXX score is over XXXX. They would deny it when I would contact them, even I would see copy of the report from the company stating other wise. This would also happen when applying for credit cards so I can try and build my credit, which would cause me to get denied as well. They have me listed as high risk. Their reporting bills that are paid off listed as unsatisfactory, old bills from over 10 yrs ago, are still being reported. I have also disputed accounts, and requested to have them removed, and that has been over 60 days and have not happened yet. I have my bank linked to my bill payments and they have not been updating my credit score even with that, especially experian. I dont know why they are reporting that I have no credit score when I do. See attached documents. I have a bunch of hard inquiries on my report, and I place the blame solely on the credit bureaus due to the negligence.