23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The Bureaus, Inc collection agency is very familiar with FRCA as it relates to proper debt validation. It is also acutely aware of the origins of the Consumer Financial Protection Bureau. And yet, at the risk of having fines imposed, among other things, this agency is taking advantage of me by violating my rights under FRCA and refusing to communicate with me regarding the validity of a debt they have placed on my credit file. 


I have made multiple efforts to engage this creditor in an effort to help me determine the validity of this debt and/or to reach an amicable agreement, if the debt can be verified. When I petitioned the CFPB, this entity like the CRA, XXXX, sided with t he collection agency, The Bureaus, ignoring my rights under the FRCA. ( XXXX   merely accepted whatever information the collection agency provided as debt validation ) I contacted The Bureaus in an effort to work out an agreement. I believe the representative whom I spoke with stated someone would get back to me. I have not had a business relationship with The Bureaus ; no contract, nor have they sent me anything in writing validating their legal right to collect debt in my state. I can not recall ever having any business dealings with The Bureaus , Inc . 

On XX/XX/2019, I mailed via certified mail a request to The Bureaus that they provide me with details of this debt that could help me understand how my relationship/contract, if applicable, with them originated. I asked for specific information that any other person might request to help formulate questions about a debt being reported on the credit reports. The FCRA allows for me to request this information. It also states that if the information is inaccurate and/or can not be verified, then the reported item in this case the collection account has to be deleted by the CRA. 

I am submitting another formal complaint submitted against The Bureaus , Inc. because they have ignored all of my requests to engage in an effort to bring closure to this matter. They have elected to only respond to the CRAs, and not to me, the consumer who is directly impacted by an item that they refuse to validate as outlined by FRCA. 

In every attempt to work with this creditor cordially, they have stalled, taken advantage of the CRAs, tricked this entity ( CFPB ) and responded in ways that avoid answering the center of my complaint ; that they refused to comply with FRCA and will not validate debt. Therefore, it ought to be removed from all three of my credit reports. 

I have attached the letter to The Bureaus of XX/XX/2019 and the signed certified receipt, which confirms by the U.S. Postal Service that The Bureaus received my formal request for debt validation on XX/XX/2019.
Product: Mortgage

Our mortgage loan was on auto draft with my previous mortgage company. The mortgage transferred in XX/XX/2019 to this mortgage company and hasnt been auto drafted correctly since. I have had to call once or twice every month to make my payment. I have had nothing but problems since my loan has been with them. They also try to charge me a service fee for calling in to make the payment they should have auto drafted. Now they say I am behind on my payments but I have been calling every month since XXXX to make my payment. They now wants me to make a payment and a half so that the auto draft will start working correctly. This company is a nightmare.
Product: Credit card or prepaid card

XX/XX/XXXX I purchased around {$400.00} of bitcoin from Coinbase and i was Double charged that amount on XX/XX/XXXX. I still have not received a refund. Just automated responses.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I am submitting a complaint against XXXX under 15 U.S.C. 1681i for failing to conduct a reasonable investigation of my dispute regarding inaccurate information on my credit report. Despite my efforts to provide documentation supporting my claim, XXXX has not corrected the erroneous information, which has adversely affected my credit score and ability to secure credit. I request the CFPB 's assistance in resolving this matter and ensuring that my consumer rights are upheld. I contacted the company at the end of XXXX to notify them of a layoff that occurred at my employer ; therefore, I was laid off and called to exercise my credit protection plan that I paid into monthly. Today ( XX/XX/XXXX ) I called to ask why I am showing as delinquent and I was told that my account was closed in XXXX ; however, this information was never disclosed to me and my credit report is not showing closed, it is showing open/delinquent. I asked the account manager, XXXX to please reverse this delinquent as this should not be reflected and is an inaccuracy on my credit. He advised me that despite exercising my credit protection plan, he did not see any payment from the XXXX party vendor and they sent my account to collections. I advised that I had not received any notification of a collection and I want it pulled back or removed from the credit agency as no written notice has been received and they are passed the timeframe to notify me of an intent to collect. I am extremely dissatisfied with how my account was mismanaged, I paid for a service and did not receive it. I plan to seek litigation against all parties unless this item is completely deleted from my credit. I want a letter emailed to me within 5 business days : ( XXXX ) on company letterhead stating that this account is no longer in delinquency and the matter has been resolved. Thank you for your attention to this issue.
Product: Credit reporting, credit repair services, 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 61XXXX ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$1700.00} XXXX XXXXXXXX Balance : {$700.00} XXXX XXXXXXXX Balance : {$1900.00} I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website.
Product: Checking or savings account

I reached out to request a new card on XX/XX/XXXX and was told it would take 10 business days to receive a new card. I called 8 business days later because I still had not received it the agent I spoke with said to give it a few more days and I could receive it and if not to call back and they would issue a new one. I called after the 10th day and after having so much issues with agents and poor customer service I asked they cancel the account and send a check and the supervisor I spoke with said that in order for the account to be canceled I would have to spend all the money, so I continued to wait for this card. Days later I call to speak to a supervisor and am told that there are none available. Every time after this I call to speak to a supervisor and one is never available. I mentioned that I wanted a check and they they said they could but that a supervisor would have to approve it but that there are still none available and then today i speak to someone and they issue it.
Product: Credit card or prepaid card

The second round of stimulus was issued to me on an economic impact payment card. the card was sent to the wrong address. I have not been able to contact the XXXX team to that I can get another one mailed to my correct address. There is no option to speak to person everything is automated and it makes the process impossible to fix. There should be an option to speak with a live representative that help consumers get the help they need.
Product: Debt collection

XX/XX/2022 on this date company opened a collection Account number XXXX {$100.00} that I owe I have never signed any document saying that I owe this debt to the collector They are violating my rights of the FCRA as a consumer. 
I do not know who they are and have not written consent from my end Also, they have not verified that I owe this debt to this alleged company Please have this removed from all three credit bureaus. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have contacted the CREDITORS BELOW AND THEY HAVE NO PROOF THAT | INITIATED SUCH INQUIRIES, NO WRITTEN AUTHORIZATION, and have provided no permissible purpose. Since they have no authorization from me, either witten or verbal, I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. Pursuant to Section 604 of the fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In General. Subject to subsection ( e ), any consumer reporting agency may provide a consumer report under the following circumstances and no others.

( F ) otherwise has a legitimate business need to obtain the information ( 1 ) in connection with a business transaction initiated by the consumer.

Per 15 U.S. Code 5 1681i, Paragraph ( 5 ) Handling of Inaccurate or Unverifiable Information ( A ) In general. If, after a reinvestigation pursuant to paragraph ( 1 ) of any information disputed by a consumer, an item of information is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency shall : ( 1 ) promptly delete.

ADDICIONALLY, Pursuant to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verity ( by physically veritying the orginal signed consumer contract ) each and every INQUIRIES you list on a credit report. Otherwise, anyone who pays for your reporting services could fax, mail, or email a fraudulent account.

I demand that you show me verifiable proof ( an original consumer contract with my signature ) that you have on tile for the accounts usted below. Your failure to positively venty these accounts has affected my ability to obtain credit. Under the FCRA, unverified accounts must be removed, and if you can not provide me with a copy of the verifiable proof, you must remove the accounts listed below.

I demand that the following INQUIRIES be verified or removed immediately. 

The following inquiries are not authorized : XXXXXXXX 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

In XX/XX/XXXX I signed up for an account with Americor after seeing their ads saying they could help me handle my credit card debt. Long story short, my first wife passed away in XXXX, and I had to leave my job at the time and take a 70 % pay cut to care for my XXXX young children. I eventually was able to get my income back to normal, but in the process took on about {$80000.00} in credit card debt. 

I requested Americor 's help with this, and during the intake process they seemed legitimate and helpful. 

Unfortunately, though, as it turned out there were two MAJOR misrepresentations they made, which completely invalidated any benefit I could have received, and that they absolutely lied to me about during the signup process. I would NEVER have signed up if I had received this information clearly during the process. 

False claim # 1 : After 12 months of payments they would lend me the funds to fully pay off my creditors. 
When signing up, I was told both verbally and in writing that after 12 months of on-time payments, Americor would arrange a loan to fully pay off my creditors. This was false. DEEP in the fine print of their agreement, and contradicted by the verbal statements of their staff, they reserved the right to require me to pay them for 29 months before offering the loan, not 12. 

False claim # 2 : They would provide me a loan at a reasonable interest rate. 
Then when I finally got close to the much longer number of payments, I reached out to arrange the loan, only to find out that the loan interest rate was an incredible 24 % higher than ANY of the credit cards I had enrolled! 

It's easy to negotiate a credit card settlement on your own. The only real value-add for this group would be the loan, and I've come to find out it actually has no value to me, despite all the assurances I got during the signup process. 

Ultimately I was charged over {$9000.00} in fees for essentially receiving XXXX value. I repeatedly emailed and called Americor to try and find a solution, but they have never emailed me back on this, and when I requested a call from a manager, they simply never called. 

I have also filed a complaint with the FTC for false advertising. I also reached out to the CEO and COO of Americor directly via XXXX, but have gotten no response. I'm hopeful that a CFPB complaint will get their attention, or if not I may be forced to file a lawsuit to recover my fees and the funds they are holding on my account ( over {$19000.00} total ). 

Please understand that beyond the financial damage, the fact that my credit has been destroyed for over 2 years ( when Americor promised it would begin recovering after 1 year ) has been an additional hardship for my family. We struggled to find a home to rent, and we're greatly overpaying for our vehicles due to my poor credit score.

Attached file is a statement from " Reliant '' who processes these transactions on behalf of Americor.
Product: Credit card or prepaid card

I went into a local Wells Fargo branch to make a cash payment on my Wells Fargo business secured credit card. When I went to go use the card, it was declined. When I called Wells Fargo and told them that the card was the declined they said yes it takes three days to process the cash payment when your credit card is in a over the limit status. I always make my payments in cash at the branch and the credit limit is always immediately available. But they said since i had gone {$25.00} over the limit they were going to take three days to process my cash payment My complaint is why should I have to pay three days worth of interest on credit Ive already paid back and not have access to my available credit because Wells Fargo has to process the cash. Processing is a bank term that should be used when two banks need to process a payment between each other. That is when things have to be verified. There should be no three days to process and verify cash when they input it in the system at the Wells Fargo counter and deposit it directly into the Wells Fargo vault. Theyve probably already given that cash to someone else and its already out the door! Once they take it and give me a receipt thats the process post my payment, stop charging me for interest after Ive made the payment and give me access to the credit line which Ive already paid for
Product: Checking or savings account

I am a victim of identity theft, and someone opened a checking account with XXXX XXXX XXXX XXXX with my name, SSN, personal info. 

I have done all the work to recover and I want to review ChexSystems Report to understand if any other checking accounts were opened under my name. I have received the report from ChexSystems but I do not fully understand this report. This report also did not show the fraud account with XXXX XXXX XXXX XXXX. 

I would like to talk to a human from ChexSystems, but I have not been able to reach any human from that company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid this account in full on XX/XX/2021. The account is still showing closed derogatory on my credit report when it should be reporting closed paid on full. Ive disputed it with the credit bureau and they dont update the status or information.
Product: Credit reporting, credit repair services, or other personal consumer reports

For XXXX XXXXXXXX  Recently, I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?
Product: Prepaid card

In several occasions I had to dispute either charges on my card that wasnt authorized or me NOT receiving monies that was either sent to me or refunded to me from other merchants after my last dispute to them about me NOT getting my {$200.00} that was sent to me, CashApp closed my account and said theyll investigate transaction was fraudulent the person that sent the money didnt get their money returned to them and I didnt get the money, even though the notification I received said I did get the money.
Product: Credit card or prepaid card

On XX/XX/XXXX I spoke with XXXX, supervisor for XXXX XXXX about a settlement offer of {$550.00}. She accepted the offer but told me she would contact me on Monday, XX/XX/XXXX to process the payment since she needed to allow 48 hours to process the settlement offer. XXXX never contacted me.

I spoke with XXXX XXXX  at XXXX XXXX today who stated he would not honor the settlement agreement I had with XXXX.
Product: Credit card or prepaid card

Hello, like most people, I lost my work due to the coronavirus, and have been contacting my credit card companies -- Chase and XXXX XXXX XXXX -- for support. I have very good credit, and by support I mean I asked them to extend my 0 % interest rate for a few months, so I could continue to make payments but lower than what I had been so I could pay my dues without getting deeper in the whole. 

I tried calling the company for assistance, but you can't get through to a person. They keep directing people to online support, and the only option is to defer your payments and continue with high interest. This doesn't help. I tried sending a secured message but others who have tried said they were turned down. 

The banks are acting like they are helping customers with three deferred payments due to the coronavirus, BUT most -- like these banks -- are still charging high interest on the balance and profiting off of people who are suffering. Even the government is lowering interest to 0 % during the crisis. The banks should be called upon to do that too.
Product: Credit reporting or other personal consumer reports

I checked my credit report and there are accounts that do not belong to me.
Product: Payday loan, title loan, or personal loan

I took a personal loan with Mariner Finance. I was successful with making on time payments of the required amount until I ran into difficult times, in that I had to take on the responsibility of taking care of my elderly mother who has XXXX, on XXXX, XXXX and has XXXX. I had to move my mother from Florida to come live with me because she was unable to care for herself as her health started to deteriorate rapidly. Ultimately, I became her primary care taker and moved her in with me. At the time her health was stabled but shortly into living with me she was diagnosed with having XXXX. I was afraid of my mother wondering off and decided to seek assistance. When looking into getting her the care she needed, I ended up putting my mother in an XXXX XXXX   home because she did not qualify for skilled nursing without going by the route of being admitted from the hospital. So, I found a home to admit my mother to however, it was very costly and the cost exceeded the amount of her retirement check. Therefore I had to supplement the difference of the cost which affected my ability to make the required payment of my loan. I in honest effort made a payment towards my balance and they refused my payment stating the payment was mailed back however, I never received the money order returned back in the mail. I received a call from XXXX with Mariner that I missed. I returned the call on XXXX explaining my present situation that has not changed. XXXX is the Assistant Branch Manager, who I shared my situation with and again I asked if I could pay what I am able to in an effort to get my debt paid down and ultimately my loan paid off. He said that the amount I wanted to pay would not cover the interest and I told him that I understand but at least I will be making some kind of payment towards my loan and when I am able to pay more I would. I explained of the hardship that I am experiencing and how I am also paying off other creditors such as the IRS, State of MD, Car note, insurance, medical insurance on top of my mother 's nursing home bill. I just do not know what to do at this point but complain because this company is acting more like they are loan sharks and is intimidating me as the consumer when I am honestly trying to rectify my issue and debt to them. I would like to be able to send Mariner Finance some kind of payments towards my balance without it getting sent back. And to reflect that I am not ignoring my debt to them but instead trying to pay them of.
Product: Mortgage

First of all My loan was sold from XXXX to XXXX XXXX. I did not know where to send payments so I saved them. In XX/XX/XXXX i contracted XXXX. And lived off of these payments. My mortgage went into foreclosure, i talked to the attorney 's office that filed the forclourse, XXXX XXXX XXXX, because I owed a low amount, I told them I wanted to sell the house and pay off the mortgage they told me this was a great plan, because of covid they couldnt forclose while I was living there. I put the house up for sell, had a buyer moved out, then they filed for forclourse with an aution and 20 day eviction. My buyer backed out. So i filed XXXX  XXXX bankruptcy. While this is going on squatters moved in, trashed house, which I then had to clean and repair, put house back up for sell. I knew I couldn't continue to afford bankruptcy. So Ive agreed with attorney to drop it. I currently have 2 offers on house for more than I owe, but XXXX  XXXX, Loan care, and the attorney 's group representing them refuses to work with me or allow me to sell it. Since XXXX I have paid over XXXX for this home, after spending over XXXX. In attorney fees and repairs Im broke, I have XXXX XXXX and working is becoming more difficult every year. I dont have rent for this month so may need to move back in home, or i will be XXXX  at XXXX XXXX XXXX. I don't understand why they are refusing to let me sell it when it would pay them in full including all the additional fees which increase by the month, and would allow me to live somewhere else. I was told that ir " might '' be because the company would make more reporting it as a loss due to covid than me repaying them in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am interested in disputing all incorrect information with Equifax because checking my file alot of information is invalid. it is hurting my file an needs to be corrected.