23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX I gave Greenback Recovery Group permission to withdraw {$50.00} from my bank account. I gave them my debit card number so they would be able to. This was a one time only withdrawal. On XX/XX/XXXX or XX/XX/XXXX they withdrew anther {$50.00}. I did not give them permission to do so. I have attempted to reach them to notify them they are not allowed to withdraw any funds from my bank account. To make sure they do not withdraw more funds I feel I have to get a new debit card. 

The agreement I had made with them was for me to make a payment once per month. Now I am not even sure they are a collection agency that has been hired to collect a debt. 

Please help me resolve this.
Product: Credit reporting or other personal consumer reports

JEFFERSON CAPITAL SYST Original creditor : XXXX XXXX XXXX Account number XXXX Date opened XX/XX/2022 Account type Debt Buyer This is identity theft I have no knowledge of this account, tried to dispute it but I got nowhere with that process, complained with ftc and now cfpb
Product: Student loan

XXXX  when I enrolled at XXXX XXXX XXXX in XXXX, I believe Sallie Mae ( now Navient ) was predatorily taking loans out to " continue '' my enrollment within the school. During my stay within XXXX I was constantly pulled out of class to quickly sign loan paperwork to " secure '' my enrollment in the program. Totals exceed XXXX XXXX dollars and particulars can be provided if needed. 
I have attempted to remedy and pay off these outstanding Loans with Sallie Mae and now Navient to no avail. I have enrolled in " repayment '' programs to only be more in debt or default.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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 XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX Balance Owed XXXX {$270.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that I had one late payment on an account that I was never late for.The consumer reporting agencies assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy.I have never been late on payments for the account that I have included screenshot inside this complaint in on the date of XX/XX/year>. 
Please investigate and provide proof with statements showing that this payment was late.If proof cant be provided I demand this payment be updated to paid as agreed on time as that should be due to the fact I was never late .Thank you.Please see screenshots attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Experian XXXX Account Type : Account Type - Detail : XXXX Installment account XXXX XXXX XXXX Experian Installment High Credit : XXXX {$12000.00} XXXX {$12000.00} Experian : 0 Last Reported : XXXX XX/XX/XXXX XXXX XX/XX/XXXX Experian XX/XX/XXXX Date Last Active : XXXX XX/XX/XXXX XXXX XX/XX/XXXX ExperianXX/XX/XXXX Times 30/60/90 days late XXXX 0/0/0 XXXX XXXX ( different on different sites ) Experian XXXX A ) As you can see I'm making my complaint because the credit bureaus are reporting inconsistent and inaccurate repossession information that are damaging my credit report. 
B ) Other information is inaccurate also which means the negative item on my my report is illegal and against the Fair Credit Reporting Act. 

I HAVE SENT OUT AND CALLED MULTIPLES TIMES REGARDING THIS MATTER AND HAVE NOT RECEIVED ANY INFORMATION BACK.
Product: Debt collection

I checked my credit report and NCC Business Services was on it. I have never done business with this company. They never sent a notice of right to dispute. I sent them a certified letter advising them that they never sent a dispute letter. My 1st letter is dated XX/XX/2016. They sent the dispute letter dated XX/XX/2016, after I told them they never sent a dispute letter. I then sent another letter dated XX/XX/2016 in response to their XX/XX/2016 letter. Please see the attached documents. 
PLEASE HELP I AM A XXXX THIS IS XXXX!
Product: Mortgage

I sent my reduced property tax bill to Roundpoint Mortgage Servicing company via email. I called them a few days later to make sure they received the information, and to learn what my new payment would be. The young man on the phone could not give me that information, but told me they would run a new analysis in XXXX. I told him that was not acceptable, so he agree to run a new XXXX by XXXX XXXX. The company did so, but used the old property tax information rather than the new XXXX. My original summer tax bill was {$4200.00}. The new XXXX is {$2300.00}. My new payment shows an increase of {$35.00} per month, using the wrong property tax information. I have contacted Roundpoint again, but not heard from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other complaint that I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the three credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the following incorrect information on my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The account was reporting as XXXX XXXX XXXX with an account number XXXX and a balance owed of {$1700.00}. The Original Creditor was XXXX. I disputed this account for inaccurate reporting and it was removed after proper investigation from all 3 credit reports between XX/XX/2023 and XX/XX/2023. I was relieved the inaccurate reporting was removed from my file because I am in process of getting a XXXX XXXX and my credit is important for the job requirements. 

However, Jefferson Capital at some point acquired the debt unbeknownst to me because I was not notified. They reported the debt to my credit again and to add, the reported it inaccurately on all 3 bureaus. The Account status does not match, the payment status does not match and the last payment does not match. The date of last activity does not match, the date reported does not match, these inconsistencies are across all 3 bureaus. I demand Jefferson Capital re-investigate this and send me ALL relevant account information including but not limited to Date Opened, Balance Owed, Closed Date, Last Payment Date, Payment Status. 

This is going to cause serious injury if not corrected and removed as it was prior to Jefferson Capital purchasing a bulk finance. All relevant documents attached.
Product: Mortgage

On XX/XX/XXXX, our auto insurance premium  was paid from our mortgage escrow assets by Freedom Mortgage. I obtained a refund of the duplicate automobile insurance payment made by Freedom Mortgage from the insurance carrier. I did not return the refund to the escrow account for reasons stated in the attached correspondence. 

The consequence is that Freedom Mortgage raised our XXXX monthly escrow contribution by 93 %. 
This punitive increase is due to the fact that Freedom Mortgage insists on using the total insurance payouts from last year in the escrow analysis. The factors being applied are inaccurate and occurred due to an error committed by Freedom Mortgage 's processing department. 

I spoke with an insurance department representative at Freedom Mortgage on XX/XX/XXXX. Her name was XXXX. XXXX was able to isolate and validate my contention that the escrow analysis was inaccurate and based on faulty input. XXXX requested a recalculation of the escrow analysis using accurate data. 
I also spoke with an escrow analyst named XXXX on XX/XX/XXXX. XXXX concurred with XXXX 's request to have the escrow analysis reviewed and updated with the proper inputs. XXXX guaranteed that the new analysis would be available by XX/XX/XXXX. 
The firm remains unresponsive to the validated concern described.
Product: Credit reporting

I filed a dispute with Equifax that I had never made a late payment to XXXX XXXX XXXX XXXX. Equifax has responded to me, and I quote, " We have researched the credit account. Account # XXXX The results are : There is no historical account information currently on this account. This creditor has verified to OUR company that the current status is being reported correctly. This creditor has verified to OUR company that the prior paying history is being reported correctly. Additional information has been provided from the original soured regarding this item. If you have additional questions about this item please contact : XXXX, XXXX XXXX, XXXX XXXX LA XXXX Phone : ( XXXX ) XXXX '' End quote. Everything listed there is totally contradictory. However, I have tried contacting XXXX XXXX directly. They are no longer in business! The XXXX phone number is a non working number. Mail sent to that XXXX XXXX has been returned to me with forwarding address unknown. Further, this account was transferred to another credit union in my area. I contacted them about the issue of this erroneous late payment, only to learn that they do n't have access to XXXX 's files from that time period and have no way to access them. I truly believe that Equifax did not investigate my dispute at all and is just saying they did. This is not the only account that Equifax is reporting recklessly and without recourse on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

companies are unlawfully sharing and displaying my private information without my authorization. attached.
Product: Checking or savings account

I logged into my account to check my balance to make sure all of my money was there because I had discovered my debit card was missing. When I logged in I found out that somebody had not only stolen my debit card but used it for multiple atm transactions. I had my card on the XXXXXXXX XXXX XXXX  and someone must have stole it that day or the XXXX. The atm transactions started the XXXX XXXX XXXXXXXX all the way until the XXXXXXXX XXXX XXXXXXXX I immediately called and canceled my card and disputed the transactions as soon as I noticed. On the XXXX XXXX XXXXXX/XX/XXXX withdrawals for XXXX dollars and XXXX for XXXX were made. On the XXXXXXXX XXXX XXXXXXXX my account shows that XXXX withdrawals for XXXX, XXXX withdrawals for XXXX, and XXXX withdrawals of XXXX. On the XXXXXXXX XXXX XXXXXXXX it shows a withdrawal of XXXX was made.
Product: Checking or savings account

I walked inside US Bank and spoke with the banking employee about opening a business checking account. I opened it with her and supplied the code for the {$300.00} bonus being offered. You had to make {$3000.00} in new deposits and keep the account open for 90 days to qualify. I deposited {$100.00} that day and ACHed the remaining {$2900.00} within the 30 days just as the employee instructed. I received an e-mail from US Bank saying I didn't qualify.??? Other people/businesses that I've been in contact with have received their bonuses with similar deposits.
Product: Debt collection

In XXXX of last year, my identity was stolen. I filed a series of complaints with the CFPB on XX/XX/XXXX. My COMPLAINT IDs = XXXX, XXXX, XXXX, and XXXX. I also filed a police report with the XXXX XXXX Police Department in XXXX XXXX, SC. 

The person who stole my identity leased an apartment with the following address : XXXX XXXX XXXX XXXX XXXX, FL XXXX. Last month, my XXXX credit report reflected that I owe {$970.00} to Helvey and Associates, a collections agency, for an unpaid utility bill to XXXX XXXX Florida. This bill is associated with the lease that was fraudulently taken out in my name and is the result of identity theft. I called Helvey and Associates on XX/XX/XXXX to confirm that the charge was associated with the address listed above, and they confirmed this to be true. 

I am attaching the police report I filed in XXXX along with my current credit report and a screen shot of the Helvey and Associates charge.
Product: Credit card or prepaid card

Several Fraudulent charges were charged to my account. I informed the company they were not mine. They began to investigate and would adjust charges off. Very often they would put them back on later. I tried to keep track of the charges and their removals. But they stopped putting the individual removals and just called it an adjustment. So I can no longer keep track. This has been going on for months. 

I have continued to make a monthly payment, because I do not want my credit harmed. 

ALSO, i had taken an 18 month loan for a total of {$1300.00} dollars. I have paid them {$1700.00} as of XXXX. The fraudulent charges, that I know about came to {$1700.00}. My statement for XXXX shows a balance due of $ {$1200.00}. 

These were charges made all over the country and often. I have no idea how much money I owe this company. I do know that I took out a {$1300.00} loan have paid that back plus, and still owe {$1200.00} in fraudulent charges. If they are clearing them as they say they were, This has been going on for months and I do not see that they have given credit for these charges. If they are the balance on my statement is incorrect. 

Another credit card I had was also charged with many charges that were not mine. And a third card also. I will be reporting them also. 

I did not give my cards to anyone as the 3 credit card companies claim, and they were not lost. They were with me. HOW can anyone charge on my account with out my password. I CAN NOT! Some one stole my info from somewhere and it looks like I am going to pay for it. I have a small income. 

I am thinking about destroying all my credit cards I can not afford pay for someone else..
Product: Credit reporting

EQUIFAX is illegally and unlawfully reporting information on my credit file. I 'm asking for the following information : a ) Federal Reserve form XXXX registration statement, XXXX Federal Reserve form XXXX XXXX XXXX XXXX prospectus, XXXX XXXX Federal Reserve form FR XXXX balance sheet XXXX XXXX XXXX, XXXX XXXX Federal Reserve form FR XXXX balance sheet ( XXXX ), XXXX XXXX XXXX Federal Reserve form XXXX balance sheet ( XXXX XXXX, XXXX The Deed of Trust. XXXX XXXX XXXX Chain of custody and They need to responded to my request within 30 days from today. EQUIFAX also needs to present me with a certified final forensic audit in accordance with XXXX in accordance with basel XXXX accord and XXXX conventions. I 'm also requesting them to present the same documents from the following vendors/creditors : XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX, and XXXX XXXX acct # XXXX.
Product: Credit card or prepaid card

I got a solicited letter from Comenity Bank for a balance transfer to be done by XX/XX/2022. I went online and initiated that transfer of {$4400.00} on XX/XX/2022. Said allow up to 30 days for review and processing. It was approved and initiated on my statement with Comenity on XX/XX/2022. I kept getting statements from XXXX showing no pay off. Went to check my credit score which went down approx XXXX or more points over this. Now I am accruing more interest and my credit score has been affected. Called Comenity to be told it is a know issue sorry and we can stop the request if you like. How is this legal or allowed??
Product: Debt collection

This company is yet the newest company who claims to have my home mortgage servicing as I am still in dispute with XXXX and RCS which has not yet been resolved as requested by the White House Liasion and my Congressman
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and submitted numerous letter to correct my personal information to the credit bureaus. I also have certified mail receipts. I have old addresses on my credit report that I never lived at a day in my life. Also my name is not reported correctly and misspelled. I would like all addresses that do not belong to me deleted. I would also like my name reported correctly and all inaccurate names deleted. This is hindering my life in a major way and needs attentions ASAP. Thanks for your cooperation please help!!
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- 1002.142 ( b ) ( 7 ). 
I have provided my photo ID along with the other required documents. 
I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. 
I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Mortgage

My mortgage was transferred to Seterus Loan Servicing in XX/XX/2016, I have received only one statement that does not give clear explanation how the payments applied or how fees added to account, I have requested my statements so far nothing. I just received a notice of debt dated XX/XX/2016 it 's very vague, the itemization amounts do n't match, it 's very vague, it has transferred balance {$280000.00} differed balance {$620.00}, current balance {$210000.00}, interest {$2400.00}, late fees {$160.00}, inspections {$30.00}, valuation cost {$85.00}, total current {$280000.00}. I sent them a letter for explanation so far I not received a response. If my current principal is {$210000.00} plus deferred {$620.00} the total balance owe should not be {$280000.00}. With that said I need them to honor the current balance and the deferred payment wish comes to a total of {$210000.00}
Product: Debt collection

Experian, XXXX, and XXXX is verifying accounts that are not accurate and or mines. 
This was the result of a identity theft incident back in XXXX. Someone took my information for credit at XXXX. I removed the collection from my credit report from the original creditor XXXX back in XXXX. Now they sold the debt to a third party collections agency and XXXX XXXX is trying to collect debt that is not mines. 

A lawyer I was speaking to told me that the FCRA requires all information on my credit report to be 100 % accurate. I'll begin to list the inaccuracies and errors. 
Date Opened on XXXX is different from Experian and XXXX High credit is {$690.00} on XXXX and XXXX but the Experian report is {$0.00} Balance owed is incorrect. Balance is 0 on Experian and {$690.00} on XXXX and XXXX. 
Account Status says Deragatory on XXXX and XXXX but Open on Experian. 
Last Reported is different on XXXX. 
Date Last active is Different on all XXXX XXXX, Experian, XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hi This is third time complaint against TRANSUNION credit bureau. I have asked over phone spoke to XXXX supervisor at TransUnion about my credit score. I asked them on what basis TransUnion reported my credit score and who was given authorization and XXXX said that no need any one permission he can get any one information they want no stops and he said I can spoke with PRESIDENT OR MAYOR who ever I want to talk with, TransUnion spoiling the United States culture, they dont care about customers and poor people .is this the mean we are printing on every $ note saying IN GOD WE TRUST. They are not really believe humans how they believe in God. They are telling they are the law. 
By the way I was cruisified by TransUnion credit bureau. I have XXXX XXXX XXXX credit card from California when I was student. This credit card I have used for my tuition cost and reloading credit card and utilized for my wife XXXX expenses. In XX/XX/XXXX I have lost my car with my entire wallet before my wife delivery I lost XXXX $  money in Travel card which was I kept in car. I dont have any claims I just got police report. There I got stuck with my credit card payment. I have told many times many people that I have extreme hardship but no one cares. Really I dont understand whats going on. Because of TransUnion I was denied credit cards and my car payments got touched roof, I cant even save XXXX XXXX every month because of TransUnion. Please help me to come out from TransUnion hands, they are really bad people for United States.
Product: Student loan

I have on several separate occasions tried to get assistance from Mohela in setting up a forbearance on my existing loans ( pending FSA confirmation of my eligibility for PSLF based on more than XXXX qualifying payments made ). Mohela has dropped my calls after spending hours upon hours on hold, transferred me to other lines with no answer, failed to call me back, and failed to respond to my requests. Their customer service is completely inadequate.