23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

National Management Recovery Corp. violated FDCPA by contacting my place of employment under pretenses as a court judicial system attempting to serve a subpoena for criminal activity. On XX/XX/2022, I received a call from my employer indicating National Management Recovery Corp. contacted them with a case number to appear in court about three cases being brought against me. I have never received any phone calls, letters, or emails from National Management Recovery Corp. ever acknowledging themselves as a debt collector and attempting to collect a debt. The first time speaking to anyone within this company was on XX/XX/2022, when I contacted them based on their fraudulent allegations. The representative described themselves as a pre-trial law office and gave my employer the same case number. The representative went on to say, I am being sued in court for a payday loan under the company of XXXX ; a payment is needed right away to rectify my account, as they are currently charged on XXXX counts of fraud. I asked for clarity if they were a law firm and the representative continued to state they were only a pre-trial company. I asked the representative for transparency to provide which judicial entity this case is filed? They responded with the listing of the county in which I reside. I asked for clarity if the case number they provided was a legal case number from a court order or subpoena. The representative stated that the case number was not from any judicial system but their filing metric. Please make individuals aware that these tactics are not only harassing but more so illegal under FDCPA.
Product: Student loan

I faxed an application for student loan forgiveness under XXXX on or around XX/XX/2022. 

I received a letter confirming the application had been received late spring or early summer of 2022. 

In XXXX or XX/XX/2022 I was notified that my account was being transferred to Mohela. 

I created an account and logged into the Mohela site. The website has an option to check the status of your XXXX application. Every time I checked, there was no report. The website said it could not track my application. 

I called twice, including in XXXX and XX/XX/2022. After extended hold periods I was assured by a customer service representative on each call that they could confirm in their system that my application had been received however due to the program being so popular and a backlog of applications the website was taking a long time to update. 

I called today, XX/XX/XXXX, but after an extended hold was told by the first line of customer service that they had no record of my application. " XXXX never transferred it over. '' I told them this was contrary to what I had been told by Mohela staff on the two previous calls.

I have now been on hold for two hours as I'm told I'm being transferred to " a specific supervisor. ''
Product: Mortgage

I have my disbursements form my bankruptcy only to find out that payments were transferred from XXXX XXXX Mortgage company to Midfrist bank which is Midland mortgage. and all past due amount are paid so the cashiers check for XXXX added more than enough to cover escrow and taxes and any late fee. please review the XX/XX/2021 Mortgage statement and have them explain what is this total fees and charges are they added to my bill. see attachments and reopen this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive paid off all my balances with CapitalOne, but they have not submitted the information to Credit reporting agencies. Im trying to purchase a new home and this information is keeping my score lower than it should be. It upset me that I was charged interest after my balance was at XXXX. I called to have it waived, but CapitalOne refused, so I paid. Its been a month now and the information is still there ( the last balance ). If they submit the information, then my score would increase. I need CapitalOne to submit my XXXX balance information to XXXX, XXXX  and XXXX asap! Calling them will not change their procedures or help me with my problem. I found this Credit Card company is late submitting information to the Credit Reporting companies, which is a disservice to the American people. They should be investigating on this issue alone. I have 2 accounts with them ; 1 is through their parent company and another through XXXX ( which they are the parent company ). Any help you can provide would be greatly appreciated! Thank you!
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Quality Asset Recovery LLC account # XXXX amount due : {$3300.00} provider of service : THE XXXX XXXX XXXX Under the FAIR DEBT COLLECTION PRACTICES ACT I am allowed to protect my privacy and medical records from third parties. I do not recall giving my permission to the XXXX XXXX XXXX to release my medical records to a third party. HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft I reported the event to law enforcement and to the credit bureaus I also contacted the companies to inform them of fraud and placed security freezes and fraud alerts on my credit file I also filed out a FTC IDENTITY THEFT REPORT I even provided them with exactly who committed the identity theft in my name and they claimed to do an investigation and formally declined the id theft claim I also received information from Experian confirming identity theft from there identity theft protection program my information was sold during the XXXX data breach and accounts were opened in my name before I was 18 years of age which were removed off my report and even with all of this proof the bank refused to remove inaccurate information from my credit report all of the other banks complied and information was removed however the following banks wont remove information : XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Balance : XXXX Bank admitted on recorded phone call that account was fraud but fail to remove information they are fully aware that the account is fraud XXXXXXXX XXXX Opened : XX/XX/XXXX Balance : XXXX Bank admitted on recorded phone call that account was fraud but fail to remove information they are fully aware that the account is fraud And are not in compliance with FCRA Regulations regarding time frame to provide feedback for identity theft related accounts XXXXXXXX XXXX XXXXXXXX XXXX Opened XX/XX/XXXX Balance : {$20.00} Lender wont respond to fraudulent account and continues to report
Product: Credit card or prepaid card

To Whom It May Concern : My American Express credit card account statement ending in XXXX shows a payment, a balance of XXXX, that should have not been made. I am writing to tell you that the payments were unauthorized charges. Therefore, I am filing a complaint with the Consumer Financial Protection Bureau against American Express. Specifically, I authorized debits to a cosmetics company in Hawaii by the name of XXXX, in error, and under duress on XX/XX/2022, but revoked the authorization on XX/XX/2022. Immediately after I received the " product '' and realized that the company was charging me for unauthorized charges I sent the unopened product back via XXXX XXXX. I asked American Express to close my account and not accept any new charges. I paid the undisputed charges and no longer have any outstanding balances. Despite the fact that I have been a long-time customer with XXXX XXXX XXXXXXXX they refuse to support me in my position and are unfairly charging me these bogus and egregious amounts. The charges are in error because the items were refused, the company XXXX employed deceptive practices when I was " sold '' these items. I can provide XXXX  XXXX Proof of Delivery, tracking information, documentation of shipment with delivery dates, and copies of reviews from many customers showing they were defrauded with similar incidences as my situation. Furthermore, according to the Hawaii Unfair Deceptive Trade Practices Act, this is fraud. XXXX misinformed me about the product which was returned and the way the situation was dealt with was egregious. They pulled the wool over my eyes and did not inform me what I was signing. Their representative pulled me in off the street and delivered a high-pressure sales pitch. This is not buyers remorse, it is fraud. According to the attached reviews on XXXX and XXXX XXXX XXXX, this company has a pattern of deception and has scammed many other customers in a similar fashion. If the packages were returned to them unopened and I do not have the product, I do not see why XXXX, and American Express are charging me for a " product '' that I don't have. I am filing this complaint and requesting that the error be corrected with the credit card companies and that any finance charges will be waived. I will await confirmation that you will be reversing these unfair charges. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

Im very upset with Citibank and how they closed my Wayfair MasterCard account and Best Buy visa its not fair I was unaware that they did this to me and would like them reopened
Product: Credit card

Home Depot keeps sending monthly statements charging late fees. We closed our account with Home Depot and have made no purchases on that account.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Illegal reporting to XXXX major credit reporting agencies XXXX XXXX -NO VALADION OF DEBT PROVIDED UPON XXXX XXXX - NO VALADION OF DEBT PROVIDED UPON XXXX XXXXXXXX XXXXXXXX XXXX -I am requesting a monetary compensation for illegal reporting to my credit in violation to agreement of XXXX XXXX XXXX XXXX regarding a dismissal of wants to report to credit after case was dismissed without prejudice of both parties regarding a court consent agreement order. 

XXXX XXXX XXXX XXXXXXXX XXXX has damage my reputation and placed a false accusation on my credit causing me not to be able to rent a property to collect a balance that was consented on there behalf that I do not owe. 

I have attached court ordered consent copy an request the sum of XXXX be paid immediately for violation of court order and damages to credit and rental history preventing me from renting a property. 

XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX
Product: Money transfer, virtual currency, or money service

I sent a payment to a man named XXXX XXXX with PayPal. The pay again icon in my PayPal account was used. I paid XXXX XXXX a year ago for hosting a website. XXXX said he did not receive the payment and was about to take down my website so I paid him again. The second time I entered his email to pay and did not use the pay again icon. 

XXXX received the second payment. Upon trying to get the first payment refunded PayPal said I must ask XXXX to refund me because the transfer was personal and completed. 

XXXX said the email that was associated with the first payment was not his. PayPal 's database had used another XXXX XXXX email as recipient. Not the email I sent a payment last year. PayPal refuses to credit back the payment and the wrong person will not answer my emails or refund the payment.
Product: Checking or savings account

Hello Navy Federal, my account was closed and online banking shutdown while i have an active balance in my account and im requesting to have my funds mailed to me in the form of a cashiers cheque.
Product: Debt collection

On XX/XX/XXXX I received correspondence from Collections company XXXX regarding a debt in the the amount of {$10000.00} for a rental property. I ask them to validate the debt, in which they failed to do so. they could not provide a breakdown of the balance. Advise them verbally to cease and desist all communication until debt is validated. 
On XX/XX/XXXX they called from XXXX, On XX/XX/XXXX called from XXXX, on XX/XX/XXXX called from XXXX this time XXXX left a message. I asked her during that call to please once again validate the debt. She stated a ledger was sent and i advise her it showed a bunch of fees but nothing that would make $ XXXX sense and that it stated XX/XX/XXXX as the start of charges and i advise her XX/XX/XXXX we were out the home so make it make sense. She stated she would research and notate I was still disputing the debt. Final call from them was on XX/XX/XXXX. they failed to cease and desist communication. They failed to accurately validate the debt and placed this my credit, my husband credit and my mothers credit with our consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the account that is reporting on my Credit Reports : XXXX XXXX XXXX  XXXX Balance : {$5700.00}
Product: Debt collection

Southwest calling me insisting that I owe an invalid debt that I have no knowledge of.
Product: Debt collection

On XX/XX/XXXX I received harassing phone calls from an XXXX XXXX stating he was calling on behalf of XXXX XXXX XXXX. He called me at least 5 times within a 2 hour period, and left messages stating I 'd be responsible for a debt and continued to recite my personal information to include my social security number. I received at least 10-20 phone calls over the span of 12-24 hours, and continued to receive harassing phone calls, even when I told them to stop calling, because I did not know who they were. I had to block the phone numbers they called from, because the phone calls would be disruptive during the work day, and they would not stop. I filed an Identity theft affidavits with the IRS and notified XXXX and XXXX to place fraud alerts on my accounts. I saw an alert that an account was added to my credit report ( XX/XX/XXXX ), by the name of MIDWEST RECOVERY SYSTEMS, on behalf of XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an Experian account to check my credit score, as I am hoping to buy a house soon. My account has not worked since XXXX of last year when I had my name changed. I have sensitive information on the account. Experians FAQ states to call their customer service number to have information updated. I have called for over an hour, and I can not talk to a real person. Ive tried FOUR different numbers. At this point, I just want my account deleted, but unfortunately I cant even do that. You have to call to have your account deleted, and theres nobody to talk to. You get hung up on. I did some research, and Ive seen hundreds of people online complaining about the same thing : no person on phone number, no way to email, no way to chat. They are even stealing money from people, and refusing to answer the phone. Everyone who DOES talk to someone says that they are very unproffessional, rude, and frankly sketchy. This business is not that at all. They should be accountable for their actions. I would do whatever it takes to see this company hurt.
Product: Debt collection

This debt just magically appeared during the pandemic. I did not receive any information nor do I have service with this provider. I have asked them to provide a contract or evidence that this account was opened by me. They have refused. They have advised the credit bureaus that its valid and they are not my service provider.
Product: Checking or savings account

XX/XX/XXXX : Fraudulent check for {$4400.00} was cashed by an individual ( criminal ). He altered my check to XXXX to him personally and altered the amount from {$400.00} to {$4400.00}. My bank was Suntrust ( Truist ) and depository bank was XXXX XXXX XXXX ( XXXX XXXX XXXX ). Police report was filed. 

XX/XX/XXXX : Fraud identified from Truist statement, confirmed by check copy, and bank was notified of fraud. Bank teller printed check for review and agreed check was visibly fraudulent and bank manager was informed and agreed the check was visibly fraudulent, with obvious white outs and overwriting. 

XX/XX/XXXX : Bank called me once to request additional information. Phone number not recognized and call not heard. 
XX/XX/XXXX-XX/XX/XXXX : Ongoing contacts with Truist bank employees. 

XX/XX/XXXX-XX/XX/XXXX : Affidavit requested and returned. 

XX/XX/XXXX : XXXX XXXX XXXX notifies Truist of denied claim. XXXX XXXX XXXX states bank is not liable as bank was not notified of the alteration within 30 calendar days from the date the bank makes the statement on which the error first appeared available to you. 
XX/XX/XXXX : Truist notifies me of claim denial. Denial referencedXX/XX/XXXX denial for failure to notify the bank within 30 calendar days from discovery. Truist denial is unfair and abusive and justifies regulatory review, as the bank was not providing quality and service by administering the claim in a negligent manner that harmed the consumer. 

XX/XX/XXXX : Letter to Chief Legal Officer requesting payment. XXXX XXXX, XXXX : Claim denied. XXXX XXXX email to CLO, XXXX XXXX denied, follow up denied XXXX XXXX. XXXX XXXX, XXXX attorney letter to Chief Legal Officer requesting payment, XX/XX/XXXX XXXX claim denied.
Product: Mortgage

I had mortgaged XXXX properties in XXXX separately. Several years later OCWEN LOAN SERVICING , LLC became the loan servicing company for both mortgages via XXXX different previous loan servicing companies. 1 ). One company Litton, the previous lender to XXXX present Ocwen loan, did modify my mortgage but I later learned the document I signed added {$40000.00} to my principle in order for that company, Litton, to modify the loan. This property had been owned by several other companies before Litton owned it. This was very unethical for Litton to do I feel. I was able to get the monthly loan amount decreased over time and retain the property before the loan was sold to Ocwen. Before the modification I had paid approximately XXXX years worth of payments on time before my financial difficulties developed. Ocwen phone agents have been rude, do not all give me the same consistent information when I call, typically refuse to allow me to speak with a supervisor to resolve my inquiries or just plain hang up on me or place me on indefinite telephone holds. 2 ). Ocwen would report me as late within XXXX days after the month I was late with payments up to XXXX days when I was experiencing financial difficulties. Now that my payment have been paid within the current month due, since XXXX XXXX on both loans, Ocwen can not report my payments paid since the last XXXX ( XXXX ) months. All XXXX credits agencies show me paid thru XXXX XXXX. This has the effect of keeping me from seeking possible refinancing should I want to do so. This is just wrong. Ocwen phone agents have stated Ocwen is not responsible that the credit agencies are responsible. When I submitted inquiries to the XXXX credit agencies the replies were the credit agencies report as soon as the reporting companies give them the information. If Ocwen could report within XXXX days after I was late for over XXXX days Ocwen can report in a timely manner when I have paid on time. All other of my creditors report my payments no later than XXXX days after the payments have been submitted. 3 ). Ocwen is and has been adding indiscriminately late fees to my account since servicing the loan. There are fees that I believe are incorrect and fees I have no idea why I am being charged for them. 4 ). I also have had refunds due me for balances on forced placed insurance after I secured insurance for my home. Thank you for reviewing my complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. Experian, XXXX, and XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

According to the 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report. 

XXXX CT XXXX, MD XXXX My name on the report was spelled XXXX XXXX. which is incorrect, please remove it.
Product: Debt collection

A few years ago, I lived at an apartment in XXXX, NJ and used XXXX XXXX XXXX as electric/gas service provider. Upon leaving that apartment in XXXX 2014, I paid the balance owed on my account. A full year later, I received a call from a collection agency stating I had a balance owed which I immediately disputed and requested proof of debt. They never provided me this information and ultimately lifted the collection from my credit report. Now another year later, I noticed a new collection account had been added to my report for the same balance in question to which I disputed with the credit bureau. Keep in mind, this new credit agency never contacted me prior to placing this new collection on my account and has also never provided me proof of any debt that I owe. These companies should not be able to report whatever they wish on one 's credit report without substantiation while giving the consumer no recourse. Please help!