23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

CARRINGTON MORTGAGE SERVICES, XXXX, and XXXX A have subjected me ( the consumer ) to predatory debt collection practices in violation of the FDCPA. These violations include : XXXX - communicated with me without my consent or the expressed permission of a court of competent jurisdiction ; XXXX ( b ) - communicated with other third parties ( XXXX and XXXX A ) without my consent or the expressed permission of a court of competent jurisdiction ; XXXX U.S.C. XXXX - harassed, abused and oppressed me by demanding payment of a debt CARRINGTON MORTGAGE SERVICES knew was not owed by me ; harassed, abused and oppressed me by threatening to harm my reputation by reporting information CARRINGTON MORTGAGE SERVICES knew to be false to a consumer reporting agency ; harassed, abused and oppressed me by impersonating a creditor for their financial gain ; harassed, abused and oppressed me by threatening to foreclose on my principal dwelling and homestead and stating that I " could lose XXXX my XXXX house '' notwithstanding having NO right to do so ; harassed, abused and oppressed me by making the aforementioned threats which I find obscene ; harassed, abused and oppressed me by using personal identifying information without my consent to create an account in my name for financial gain ; XXXX U.S.C. XXXX ( XXXX XXXX - misrepresented the character of the alleged debt by stating the alleged debt was the result of a mortgage loan when it was not ; misrepresented the amount of the alleged debt by stating {$250000.00} is an amount owed by me the consumer/creditor ; misrepresented the legal status of the alleged debt by implying that a default occurred by me ; misrepresented the character of the alleged debt by stating the alleged debt was connected to a loan account # XXXX ; XXXX XXXX. XXXX ( XXXX ) - threatened to foreclose on my principal dwelling and homestead when legally they can not ; XXXX XXXX. XXXX ( XXXX ) - misrepresented that XXXX FSB as trustee for XXXX LOAN TRUST A and or CARRINGTON MORTGAGE SERVICES are the creditor ; misrepresented that I am a borrower ; misrepresented that I defaulted on an obligation ; XXXX U.S.C. XXXX XXXX a ) ( XXXX XXXX - failed to give notice of name of creditor XXXX - furnished a form knowing that such form would be used to create the false belief that XXXX SAVINGS XXXX XXXX XXXX as trustee for XXXX A and/or CARRINGTON MORTGAGE SERVICES is participating in the collection attempts as creditor when in fact they are NOT participating as a creditor ; XXXX U.S.C. XXXX - used unfair or unconscionable practices to collect the alleged debt by using my personal identifying information to impersonate a creditor ; XXXX XXXX. XXXX - used unfair or unconscionable practices to collect the alleged debt by engaging in all of the aforementioned conduct in violation of the Fair Debt Collection Practices Act. 

I am invoicing CARRINGTON MORTGAGE SERVICES, XXXX, and XXXX A for damages assessed as a result of their multiple violations of the Act in exercise of my right to enforce compliance thereto.
Product: Debt collection

Had nothing but problems with company from day XXXX. Started services with XXXX XXXX XXXX when moved. Took 3 months for them to acknowledge there was even an account in my name. Only way they finally found the account was because I was looking for a new cellular company and when they ran their searches finally found an outstanding balanceThen tried to tack all sorts of fees and charges to late bills. I had names for corporate people I had talked to in regards to trying to make a payment. After consistently having higher then promised bills I asked for the service to be disconnected, returned equipment and was told they would close account. Now I am finding it on my report and no one can find previous records to assist this point
Product: Credit card

I applied for a US Bank business credit card on XXXX. On XXXX, my application for the US Bank XXXX XXXX XXXX credit card was approved. The card was mailed and arrived a few days later. I was unable to activate this credit card due to a hold US Bank had placed on my account on the same day my application was approved due to fraud concerns. Over the next couple weeks, I went back & forth with US Bank in an attempt to resolve this issue- including visiting a branch manager and having him fax personal verification documents to US Bank XXXX verification team. On XXXX, US Bank shut down all of my open accounts ( checking and credit ) with them due to concerns of fraud. I was upset by this decision and have attempted to reach out to them since with mixed results. While I disagree with their decision to close my accounts for fraud concerns and terminate our relationship, I respect that it is their choice as a private institution. What I do not respect, however, is that US Bank billed me for the annual fee on the XXXX XXXX XXXX credit card. I called in on XXXX to discuss the account closure and was informed that the annual fee on my XXXX XXXX XXXX credit card would not be charged. That information was incorrect and the annual fee had not been removed by XXXX. I called US Bank again and spoke to XXXX who said she would attempt to get the fee removed. As of the filing of this complaint ( XXXX ), the annual fee has not been removed from my outstanding credit card balance, and I sent in a payment because today is the due date. 

In summary : US Bank approved me for a credit card, sent me the card, locked my account so that I could not activate the credit card, charged the annual fee to the card balance, closed my accounts, and did not remove the annual fee from the card they approved me for but never let me activate.
Product: Checking or savings account

On XX/XX/XXXX there was a charge on my checking account for {$1500.00}. I immediately marked it as fraud with my bank because I did not make that charge. At the end of XXXX they sent me a letter stating that their investigation was now closed and the charge would be reversed and posted to my account on XX/XX/XXXX because their investigation concluded that it was a verified and accurate charge. This was incorrect so I called them the same day, spoke to a woman who said she would reopen the investigation. Yesterday was XX/XX/XXXX and my account was hit for the {$1500.00}. I called them today on XX/XX/XXXX and was told they have 45 business days to conclude their investigation ( again ). This has been ongoing since XX/XX/XXXX, no information of the investigation was given to me. They've also taken my money that I need for bills and feeding my family and we don't have 45 days to wait. 

I did my own investigation and found out the charge was for a XXXX XXXX XXXX XXXX table in downtown XXXX, Tx. I live in XXXX, AZ. I have proof that I used my debit card in XXXX  XXXX, Arizona a week before XXXX. I have picture proof that I was with my family at my house in XXXX, AZ on XXXX. I've never even heard of this club, the website it was charged ( have never used it ), and would absolutely NOT be in XXXX, Tx. 

I personally believe my debit card was skimmed at a bank owned ATM. I use my debit card for ATM withdrawals at the drive-thru bank, the last time it was used before the fraud charge was on 10/26.This is the only logical and possible way this occurred. It was absolutely NOT me that made this charge and I'm disturbed how this bank has taken my money with no due diligence of their own in their fraud investigation.
Product: Debt collection

I originally sent a debt validation letter to Calvary Portfolio Services at the address on the document they mailed to me On XX/XX/2022 simply requesting specific information about the debt they claimed i owed but never received a response back with in the from the collection agency leading me to believe this was not an actual agency or could possibly be a scam. On XX/XX/2022 they proceeded to send me letters offering payment plans. Which i did not respond to i received no further communication from them. Until a letter from their attorney office dated XXXX stating their was a judgment against me. A hearing was to take place but i was unable to attend due to health reasons. The judge granted garnishment to take place. At this moment i have had {$1500.00} deducted from my paycheck as garnishments.
Product: Credit reporting or other personal consumer reports

Capital one allowed someone to open a fraudulent account in my name using my stolen identity
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Experian failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These Actions have caused significant inconveniences and financial loss, and I seek to appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I came across the CFPB XXXX LAWSUIT I feel i was negatively impacted by EQUIFAX, hurting my chances at credit after recieving a response to my earlier dispute that the accounts were " verified ". 
There was not a proper detailed investigation on the disputes i provided in XX/XX/year>.
Product: Credit reporting, credit repair services, or other personal consumer reports

The hard inquiries that I did not furnish or approve are : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I received an alert from XXXX XXXX that I had a collection on my credit report from Phoenix Financial for an emergency room medical bill from XXXX XXXX XXXX XXXX on XX/XX/. I was on XXXX ( public aid ) at the time. I always verify that my hospital visits are pulled up before seeing a doctor, no matter how horrible the pain is. The hospital I visited is XXXX XXXX. I contacted Phoenix Financial the moment I received the alert & notified them that I was with Next Level effectiveXX/XX/XXXX. It is illegal for the debt to be made the responsibility of a patient with XXXX. I total cost of the services were {$660.00}. This is not my responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

In disdain of my previous request, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see the items I am concerned of : XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Opened XXXX XXXX, XXXX XXXX Balance : {$1500.00} ; XXXX XXXX XXXX XXXX XXXX , XXXX.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX XXXX stating the account is accurate, without providing any evidence of a thorough investigation.This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. The following accounts are for the XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to report that I am a victim of a data breach, and the following fraudulent accounts and inquiries have appeared on my credit file without my consent. I am requesting that these accounts and inquiries be immediately blocked and removed pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Equifax has a glitch in their system and continues to report fraudulent information on my credit report that does not belong to me. I have tried to dispute this on line and Equifax 's glitch continues to say my personal identifying information does not match theirs. This is against the law. I even lost 31 points from my score fraudulently due to their glitch : The following accounts are not mine and do not belong to me : 1. XXXX XXXX XXXX # XXXX 2. XXXX XXXX XXXX. 
3XXXX XXXX XXXX XXXX. # XXXX
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, we must delete any incorrect accounts from my credit report. Could you please review the documents? Some of the accounts listed are inaccurate in their reporting. I am entitled to {$1000.00} for each inaccurately reported item on my credit file.
Product: Debt collection

I am writing to request validation of the debt that you claim I owe, as required by the Fair Debt Collection Practices Act ( FDCPA ). Please provide me with the following information : The amount of the debt you are attempting to collect. The name of the original creditor to whom the debt was owed. A detailed statement or verification of the debt, including a copy of the original agreement or contract that I signed, outlining the terms and conditions. Proof of your authorization to collect on behalf of the original creditor. A breakdown of any additional fees or interest that have been added to the debt since its origination. Please note that under the FDCPA, you are required to provide this validation before continuing any collection activities. If you are unable to provide the requested documentation, I expect this matter to be resolved accordingly, including the removal of any negative entries related to this debt from my credit report. I kindly request that all communication regarding this matter be made in writing. You are prohibited from taking any further collection actions until this validation request is satisfied. Thank you for your prompt attention to this matter. I look forward to your response within the XXXX period, as required by law. Sincerely, XXXX XXXX
Product: Student loan

The Department of Education process for Public Service Loan Forgiveness has been obtuse and frustrating. I have more than XXXX years of payments but XXXX months were paid to the XXXX XXXX XXXX XXXX. I have the email receipts of these payments as well as the records from my loan servicer, but these payments have not been counted under the PSLF waiver by XXXX XXXX, my current servicer. 

I filed my employment certification form in XX/XX/XXXX, followed by subsequent forms in XXXX, XXXX and XXXX of XXXX. My payment counts still do not reflect my full history.
Product: Checking or savings account

I went chase bank on the XXXX of XX/XX/2023 and deposit a check into the ATM. The check was from my boss who pays in with checks sometimes. The next day I couldnt access my account I tried calling chase they told me this will be resolved in a few days. I went to the bank several time and they kept saying they check will take 10 days. I eventually went back to the Bank in XXXX XXXX XXXX XXXX in XXXX CT where I was told that the bank needs to verify the check. I asked them to call my boss I have them my boss information personal cell phone, work cell phone and business office number. Chase refused to call saying they dont have the phone number in their system hence they would not be able to call. I asked them to look up the business owner on XXXX or in the CT Secretary of State but they refused. 
My boss and went into the Chase bank in south XXXX with multiple forms of ID, bank statement to show money is available and the check has been cashed by Chase bank. She showed them her business registration and her Driver license and passport to show that she is the owner of business and authorized the check. Chase bank in the branch called customer service said they didnt care whether my boss and i were in the branch with proof. They could only call a phone number they could verify regardless of both manager and i being infront a physical person at the branch. 

They however advised my manager/boss to have her bank retract a check that was already cashed by Chase bank ( her bank said its not possible ). 

On XX/XX/2023. I received in the mail a check XXXX from Chase bank saying my account was closed. I never received my {$300.00} deposit and my boss cant get it back. I am not sure if its some type of profiling but the owner of business was there with me and she is willing to talk to any authority XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ( XXXX ) XXXX anyone can call her. 

Chase has the money its been cashed and cleared and they wont give it to me or release it back to my boss company. Their excuse is they cant find business in their directory
Product: Checking or savings account

I received an offer from Chase Bank quite a few times over the last year. I finally relented and decided to try them out a few months ago. The welcome offer that I decided to try had a welcome bonus of XXXX dollars if I opened a new checking and savings account and created a direct deposit and deposited {$15000.00} into a savings account and maintained that balance over the course of 90 days. After creating the accounts with the coupon code and fulfilling the balance requirements and getting a direct deposit from the IRS, I double checked with them that all the requirements were fulfilled. The representative said they were and that I would be receiving the XXXX dollar bonus. After waiting some time and not seeing the bonus I called again and spoke to a XXXX and a representative who both told me that it was merely delayed and that I would be receiving the bonus the next XXXX. After calling a third time, I was sent to someone who said that I would not receive the bonus. She believed it needed to be a direct deposit that was reoccurring every week or XXXX and that once a year deposits would not qualify. When I told her that her stipulation wasn't even in the fine print and that I had been told it did qualify by several others, she did not appear to care.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to switch my natural gas provider who does credit check with experian. So I request a temporary credit unfreeze via their website. It gives me a single-use PIN that does not work and my gas provider is not able to do a credit check. I tried to call them but it takes me thro an automated message system that does not help ; i tried their web site again and that does not help. Finally both methods ask me to mail the information with supporting documents via snail mail to some experian address. 

The web site or FAQ 's does not provide simple steps/information on how I can unfreeze my credit - and phone numbers take you thro ' a loop with a whole bunch of automated messages that are counter intuitive - at least it failed in my case. At least for such cases, I should have an option of getting it touch with some human being. 

The credit agencies should provide a simple straight forward process/procedures, either via web sites or a phone service with option to speak to a customer service representative to resolve issues promptly. If they can not do that, they should not be in the business of holding and managing consumer credit matters.
Product: Debt collection

They are calling me around XXXX p.m. in violation of applicable law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Student Loans reached a paid in full status on XX/XX/2020. Since then, I have tirelessly made an attempt to get my student loan status updated. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX still has 3 inaccurate reports on my credit report. They are still reporting delinquencies which should no longer be impacting my score. They are still reporting this on accounts that have been completely paid in full. I have tried to negotiate with them and they still left these remaining accounts. All claims were also send to all 3 credit bureaus to report these discrepancies. 

Under The Department of Education, I have 5 accounts still reporting delinquencies after the accounts have been paid in full. 

I have submitted these claims to XXXX, Equifax and XXXX multiple times. These 8 accounts are still reporting and negatively impacting my score on accounts that should have been updated along with the other student loan accounts previously paid.
Product: Checking or savings account

On XX/XX/year> I was supposed to get my direct deposit, but when I opened CapitalOne app at XXXX it wasnt there, so I waited till XXXX and it still wasnt there. I checked my phone and there was no text, there was no message on the app, no call or email so I got worried and checked my XXXX app to see if the XXXX was ok and it was. I called CapitalOne and waited on hold for XXXX minutes and the representative who was located in XXXX TX said it was a technical issue that I as being fixed by end of business day. Well I decided to go to XXXX  to the banks page and I was stunned all the people complaining. And to find out this problem started on XX/XX/XXXX. CapitalOne had no message on their XXXX page, XXXX page, or XXXX account. They dont email us, text us, or even say it on the app. Then at XXXX Thursday night CapitalOne sends an email explaining the issue, why did it take them 2 days to notify us?! Its now Friday and I still dont have my XXXX XXXX. They arent responding to my XXXX or XXXX messages. My phone got shut off because I didnt pay my bill yesterday, I was supposed to pay my rent yesterday and Im sitting here with nothing to do at because I was supposed to buy groceries yesterday. Also it is Friday so we are at the weekend and Monday is a holiday. The money I worked for is missing and CapitalOne has no answers. I will be leaving this bank once I have my money if I ever get it and I will join whatever lawsuit will go against them. This isnt right. There are people that depend on there Direct Deposits.
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE ARE SEVERAL ALLEGED COLLECTION, CHARGE AND UNKNOWN INQUIRIES ACCOUNTS SHOWING ON MY REPORT TO WHICH I DO NOT RECOGNIZE-PURSUANT TO FCRA 623 AND 604 IM   DEMANDING THE REMOVAL OF THEM
Product: Credit card

I was shock to see this inquiries on my credit report I never gave anyone permisson to use my credit to open any accounts please remove this of my credit report