23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This Collector appears to be trying to collect on an invalid debt that doesn't legitimately exist. After sending two letters for debt validation, the creditor still could not provide components of a valid debt. 

They are claiming that they are collecting for a XXXX XXXX XXXX XXXX XXXX balance from a cancelation date of XX/XX/XXXX, which is frivolous. We once had XXXX XXXX prior to the COVID shutdown and canceled all policies with them on XX/XX/XXXX. We provided this information and asked for any documents showing any signed contracts, renewals, etc, beyond XX/XX/XXXX. They have not been able to provide any because its frivolous. Everything was canceled during the stay-at-home period, and this is merely an illegal stick-up for money by a collection agency on something that didn't exist. 

Furthermore, if that had been the case, insurance is not a loan of any type and would cancel at the date of non-coverage. In my case, my policy with them was canceled XX/XX/XXXX, and erroneous attempts for force a continuance six months later is far-fetched and illegal. 

XXXX XXXX does not and will not respond because they know the facts. This collector seems to insist on reporting erroneous collections for some sort of illegal payday. 

I asked for the following information below, which they could not provide. They are illegally trying to collect on a fabricated debt and ignoring consumer protection laws. 

The following follow-up letter was sent to this collector on via certified mail on XX/XX/XXXX. 

Dear Collector : I just received your incomplete response to the below information I requested from you. 
I am disputing the validation of this claimed debt and request that you immediately provide me with the following in writing : 1. Copy of Original Contract with my signature for the debt.

2. Full payment history from the original creditor 3. Name and Address of the Original Creditor 4. Proof that you now own or have been assigned this debt to collect. 

I had no coverage with XXXX XXXX beyond my XX/XX/XXXX, cancellation during the COVID-19 nationwide stay at home order. 
No entity has the ability to create or ascertain a debt without my signed consent. 
Please adhere to the Fair Debt Collection Practices Act and remove this erroneous, incorrect, and derogatory information immediately from my credit files.
Product: Credit reporting or other personal consumer reports

XXXX of 2024 my credit union federal an charge my account without my permission I notified my to investigate the with vintage they never did or claim they did and went in flavor of the merchant and it was the same with XXXX XXXXXXXX XXXX no proof that were correct.
Product: Debt collection

A stranger showed up at my home. I asked who he was and I am not receiving non vaccination people nor stranger. The man did not identify himself slipping a paper in my door when I asked him to please leave. 
Bank of America has not responded to my complaint # XXXX my case previously. They sent a stranger to my door and force this letter in my door.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX - Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 

This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected. 

I went to XXXX and check if I was affected by the Equifax leak XXXX The website says yes and it asked me to enroll in TrustedID. However, according to the Terms of Use at XXXX : XXXX, the arbitration clause states : AGREEMENT TO RESOLVE ALL DISPUTES BY BINDING INDIVIDUAL ARBITRATION. PLEASE READ THIS ENTIRE SECTION CAREFULLY BECAUSE IT AFFECTS YOUR LEGAL RIGHTS BY REQUIRING ARBITRATION OF DISPUTES ( EXCEPT AS SET FORTH BELOW ) AND A WAIVER OF THE ABILITY TO BRING OR PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR OTHER REPRESENTATIVE ACTION. ARBITRATION PROVIDES A QUICK AND COST EFFECTIVE MECHANISM FOR RESOLVING DISPUTES, BUT YOU SHOULD BE AWARE THAT IT ALSO LIMITS YOUR RIGHTS TO DISCOVERY AND APPEAL. 

I did not complete the enrollment of TrustedID because of this unethical clause.
Product: Money transfer, virtual currency, or money service

Greetings. 

Yesterday, XX/XX/XXXX I got the email saying " You can no longer use PayPal ( Ref ID XXXX ) ''. First of all, the customer support is not helpful at all, they don't know what they are doing. Now, my take on this complaint : I have been using PayPal since 2012, I run a small hobby that helps me support my family and I accept payments via PayPal. I have never violated any PayPal policies or engaged in any fraudulent activity, I know this for a fact and this is true. My PayPal account has been permanently deactivated and PayPal holds my money XXXX XXXX XXXX USD XXXX for " 180 days before they can release it '' - their statement. I am not able to withdraw, send, or receive payments anymore. I believe this to be a mistake on their part and I am sure if they would check my account they would find a perfectly healthy account run by a good-hearted person. No fraud, no chargebacks, no violations whatsoever. The only chargeback we had in a long time was a mistake from my customer, I have email proof of our conversation where he admits this to be a mistake and apologizes. I will gladly provide proof if such a need arises. 

PayPal claims this account termination is done to prevent fraud, like I mentioned before, anyone with a pair of eyes can see ( after checking my account ) that no such thing can be said about my account EVER. In fact, by holding my money they themself become which they are fighting against - fraud. 

Please help me get my money back. I have earned them with honest work, I worked hard to earn them, PayPal earned a fee off of each of my transactions, now they are holding my money and at this point, it looks like a fraud to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX Reference Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

Someone stole my information to my bank account they did mobile deposit and I don't do that cause I don't know how to. They deposited and then did wire transfers to get the funds out of account. They said one of them was a return check so it gave me an overdraft I went to the main branch of the bank and spoke to the manager and said those weren't me and my account should be in the positive not negative. So I deposited {$200.00} cash to the teller to get my account at good standards. That following week was the XXXX Wednesday of the month and that is when I get my direct deposit for XXXX. So I go to get my money from the bank and the bank wouldn't give it to me. It's been two weeks. My account is in review to be closed so they shouldn't have even taken the deposit to my account. But they took it and they took {$400.00} and some change from my XXXX direct deposit that left me with {$1000.00} and change. They aren't supposed to take any funds from my XXXX check they have no rights nor reason to do that they claim my account was overdraft {$400.00} and some change that is false my account was left in positive condition. Here it is two in a half weeks later and they won't release my money. {$1400.00} and change should be given to me from my direct deposit ssi. They are doing me wrong. They should have sent back to sender since my account is closed. I need to live my XXXX is my only funds I get paid and I definitely need it to survive. They took my money and won't give me nothing. US bank is a no good bank. I go to gas station put gas in my truck then go to the grocery store and get groceries and they put out a fraud on my card and account so I have to call and tell them no the gas was me and the grocery store im trying to make a purchase is me as well. Every purchase or thing I did with my card they put fraud every time. I spent more time in the phone or going to the bank to deal with non sense that the bank caused. All I want is my XXXX money and that's it. I've already changed my account for direct deposit for my XXXX so my XXXX payment won't be going to us bank.
Product: Mortgage

In XXXX I was approved by Carrington Mortgage for mortgage assistance. I was required to make three trial payments. I did so on time. I was asked to make an additional trial payment, and I did as requested. After making the fourth payment, Carrington rescinded their approval stating that I needed my ex-husband 's signature. The company all the required documentation they had requested. They had the divorce decree and the Quit Claim Deed. My ex-husband was nowhere to be found. He had voluntarily left the house over a year ago. 
I have the money to make the house payments. It doesn't make sense why this is happening. Now my house is in foreclosure because the mortgage company will not accept my request for mortgage assistance again. I'm about to lose a home that I have worked hard to keep. 
I am XXXX from college in XXXX and have had outstanding job offers. I want to pay for my house, but the mortgage company has done everything to block that. They did not call me with their plans to foreclose the home even though I requested they call or email when they have issues they wish to discuss with me. I always have to call them to find out what happens next. Now it seems like their tactics to take the home has finally worked. My house is scheduled for foreclosure on XXXX XX/XX/XXXX.
Product: Debt collection

XXXX I Spoke With Guy With Portfolio About How To Get This Account Off My Credit. He Let Me Know If I Pay The Amount They Are Offering Then The Account Will Be Removed. XXXX Account Still Showing On My Report. XXXX I Sent A Letter To XXXX And XXXX. XXXX I Called Portfolio To Figure Out What 's Going On. Spoke To A Lady Phone Hung Up On Me. I Called Back Spoke To Other Lady, She Said She Could n't Help With Removing History. Then I Was Passed To The Manager, Pretty Much The Same Thing. Then The Phone Hung Up. 


I Paid The Debt
Product: Checking or savings account

In reference to Case ID : XXXX. I in fact am not responsible for the charge below : Date : XX/XX/2024 Amount : {$19.00} Description : XXXX XXXX XXXX XXXX XXXX CA. The merchant did not receive authorization to charge my account. I have not exchanged any communication with this company verbally or electronically. Citibank was unable to obtain any documents or explanation from the merchant directly. I opened a dispute with CitiBank. I sent all requested information to CitiBank. Citibank notified me that CitiBank would side with the merchant because the of the fact that the transaction was not reported within the required timeframe. I have since tried to contact the merchant who states there is no listed account on record, nor can the merchant locate my then debit card a refund as the merchant does not have one on file. At the time of reporting the dispute I did inform Citibank that I was ill at the time and since coming out of recovery I was managing all financial accounts and came upon discovery of this unauthorized charge. I provided the information requested from Citi Bank to which I responded : Neither I, nor anyone authorized by me, made this charge or received any benefit. Hence, as the card holder I have provided all requested information from CitiBank and have fully cooperated in this matter.
Product: Credit reporting or other personal consumer reports

I am writing to formally report a violation of my consumer rights by TransUnion regarding inaccuracies on my credit report stemming from identity theft. 

On XX/XX/XXXX, I submitted certified documents to TransUnion, including tracking information, detailing several fraudulent accounts erroneously listed on my credit report. I requested a thorough reinvestigation of these issues. On XX/XX/XXXX, TransUnion responded, asserting that two accounts associated with XXXX  XXXX were verified, despite my claims of identity theft. 

After further correspondence on XX/XX/XXXX, I reiterated my concerns about the inaccuracies and the violation of the Fair Credit Reporting Act ( FCRA ). TransUnion 's subsequent response on XX/XX/XXXX, indicated that one account was verified while the other was not, resulting in its deletion. However, both accounts were fraudulent and should have been removed immediately. 

Despite my repeated attempts to rectify this matter, including a certified letter sent on XX/XX/XXXX, TransUnion has failed to address the ongoing violation of my consumer rights by not removing both accounts related to identity theft. 

I request your assistance in addressing this matter with TransUnion to ensure compliance with the FCRA and the protection of my consumer rights. 

Thank you for your attention to this urgent issue
Product: Checking or savings account

MULTIPLE FRAUD CHARGES ON XXXX. 

CALLED AND FILED A DISPUTE XXXX AMERIS BANK AND I STILL HAVENT GOTTEN MY MONEY BACK.
Product: Debt collection

SEQUIUM ( Original Creditor : XXXX XXXX XXXX ) has filed a collections against me. I have submitted disputes in XXXX, XXXX, and XXXX regarding this account. It was removed for lack of verification by all three creditor bureaus and sold to another creditor and was again placed back on my credit report. Sequium and charter communications are the same company. I called this afternoon to request a debt validation letter and the two individuals I spoke with where leading the conversation and basically trying to get me to admit I owed this debt without telling what this debt is even for. I never received anything in the mail stating that I owed this debt and I ask them to validate this debt for me and the man on the phone stated that I had to provide all my personal information. The first woman I spoke with found my account with just my name. But they didn't have any other information about me because the types of questions she was asking seem to me like they were gathering it as we spoke. When I did not provide my social security number and address the gentleman hung up the phone. Before he hung up I asked them to send me a debt validation letter and he did not confirm he would. I would like a debt validation letter for this company. If this company can not provide me with this information they must remove this account from my credit report. Please assist me with this dispute.
Product: Mortgage

I have been using XXXX XXXX now called Earnup to pay my mortgage at a faster rate. I have never had any issues with Earnup until my mortgage company was change on XX/XX/2019. Although I paid my mortgage payments to Earnup for XXXX and XXXX, my new mortgage company, XXXX XXXX  failed to receive the payments. It appears that the payments went to the old mortgage company but the problem has not been resolved. 

I have spoken to Earnup on several occasions regarding the situation and was told payments were made and went to the old mortgage company. I had requested on several occasions documentation from Earnup of the payment so I can show my mortgage company that the mortgage was in fact paid. I was promised that the information would be emailed to me. I have not received the needed documents and as a result I am two months behind on my mortgage payments and my mortgage company, PHH mortgage has filed a negative credit report. 



I believe that my mortgage payments made to Earnup were not used illegally and they in fact forwarded the monies to my mortgage company. Their failure to provide me with the documentation I needed has resulted in me receiving a negative credit report and late fees. I had explained the situation of needing this documentation immediately and on XX/XX/2019 was promised this documentation would be emailed to me in two days. I did not get this documentation. 

After being told by XXXX XXXX  that I am now out of the grace period ( 60 days when mortgage companies are changed ) and they have started legal action against me, on XX/XX/2019 I called Earnup. I spoke to a supervisor and was told they now will put a priority on my request but it will take at least 5 days to get the documentation. On previous calls to Earnup I had explained the importance of the situation to get the documentation and was reassured that I would get this documentation. 

I can not be compensated for the number of hours I have put into resolving this issue as well as the emotional toll this matter has taken on me. Had the needed documentation been given to me at my first request I would not be in a situation of being behind on my mortgage payment and receiving negative consequences as a result. I am having to make a formal complaint as I can no longer trust that Earnup will provide what is needed to rectify this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or correct them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Looking over my credit report and notice there were fraudulent accounts that do not belong to me and never authorized any contracts and business with these companies. The following accounts are listed below : XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX xxxxxxxxxxxxx XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX show up on my credit history ( XX/XX/XXXX ) XXXX   ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX XXXX  ( XX/XX/XXXX) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX and XX/XX/XXXX ) never gave them auth. to run my credit. I explained to the guy you can just give me numbers without running my credit.

XXXX XXXX (XX/XX/XXXX ) do not have any knowledge of this inquiry it should only been one inquiry which it was on the XX/XX/XXXX XXXX  ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX) do not have any knowledge of this inquiry XXXX XXXX ( XX/XX/XXXX ) do not have any knowledge of this inquiry Mariner finance ( XX/XX/XXXX ) do not have any knowledge of this inquiry XXXX (XX/XX/XXXX,XX/XX/XXXX ) do not have any knowledge of this inquiry
Product: Credit reporting or other personal consumer reports

Ok XX/XX/XXXX I went into XXXX XXXX to lease a vehicle. Upon selecting a vehicle and signing the lease agreement, two days later it was determine they sold me the car they didnt have. On XX/XX/XXXX I went back and leased another vehicle that they did have on hand. On my credit report there are two inquiries from Volvo with two balances however I only have one vehicle. I have obtained in writing from the XXXX XXXX stating this was an error and I indeed have one vehicle. I need to have this corrected on my credit report so it only shows on lease from Volvo
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint, because I have tried to avail to have Capital One Auto Financing to stop reporting my account information concerning this debt, this debt begin in XXXX and they informed me they will continue to report until XXXX. According to CFPB a negative debt can be reported from the first day/month of delinquency for 7 years, my first delinquent payment was in XXXX and its now XXXX. Capital changed the acct status to closed also. I would like for them to stop reporting a debt that is beyond the statue of limitations. 
In XX/XX/XXXX I reached out to Capital One Auto Financing concerning a car I purchased in XX/XX/XXXX. Due to medical issues the payments begin to fall behind in XX/XX/XXXX and remained 60 to 90 days past due the remainder of the loan. In XX/XX/XXXX I called Capital One Auto Financing and settled the account for less than amount due, then My credit report with all 3 major credit reporting agencies reflected payment after charge off.now it reflects closed as of XX/XX/XXXX and this acct is more than 10yrs and 10 months old, I received a letter from Capital one on XXXX XXXX concerning the accuracy of their reporting to credit bureau which I will enclose. 

Thank You for Your Help.