23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I set-up a payment arrangement with Financial Business & Consumer Solutions , Inc. on XX/XX/XXXX to have payments debited on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This company breached the agreement by debiting my account on XX/XX/XXXX. A  rep told me today ( XX/XX/XXXX ) that debits from bank accounts can take between 24-48 hours. The rep also said that if the transaction day falls on a bank holiday, the transaction will occur on the next banking day.XX/XX/XXXX was not a bank holiday. None of this was explained to me inXX/XX/XXXX and is quite irrelevant since the debit did n't take place on the day that I agreed on. Yet, Financial Business & Consumer Solutions , Inc. did not debit on the agreed upon date. When I called to find out about satisfying the debt, I was given inconsistent statements by a rep and a manager. The 1st rep did in fact say that I could make one payment ( {$270.00} ) over the phone today. That rep did say that I could also give them my debit card to use for automated payments, which would eliminate any delay in processing. He put me on hold and then changed his initial statement. He said I had to make 2 payments today. I asked why he changed the initial statement? He then stated, in a very snide way, that the money for two payments should be there since there was an NSF. I then asked for his manager. The manager began the conversation with an attitude.
I asked the manager why I was n't given the information about using my debit card back in XXXX, he was not able to give a definitive response. When I asked him why I was n't told about the 24-48 hr. processing from a bank account, the manager stated that they are not allowed to say anything about the processing time because all banks are different.
When I reminded the manager that we were on a recorded line & every inconsistency can be replayed, he regained his professionalism and agreed to re-instate the agreement, with different dates. Based on contractual law, there was an " actual breach '' of contract by FBCS.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reflecting an account that doesn't belong to me and is fraudulent. this account was removed/deleted from my credit file and they are putting it back on suddenly and its not correct. this account has been removed and should stay that way. I spent numerous months getting this off and spent so much money getting this resolved and now they put it back on my credit file and I have sent them again all the documentation to remove it and they advise they will not do so. this negative XXXX XXXX account hey have listed on my credit file does not belong to me. this needs to be removed asap for good and this is ridiculous that they are again violating my rights and the credit regulations. I have spent countless hours getting this resolved and for them to not properly handle this is ridiculous.
Product: Vehicle loan or lease

My vehicle was voluntarily repossessed through the SCRA ACT and after everything appeared finalized, I feel cheated via the waiver. The outstanding balance is still showing on my credit despite its repossession. When I saw the form that I signed with the SCRA ACT WAIVER on it, I feel cheated because I do not feel like I got a fair shake on the deal to begin with. The interest rate was the biggest problem for me especially in the stubborn negotiation process. How could they offer a waiver to a law that was not presented or offered in the beginning. Personally, I feel like I was swindled and stuck with the bill after reading the SCRA ACT WAIVER that was labeled on the release form in bold. The release form HIGHLIGHTED benefits that appears to have been available at the jump. These benefits included PROTECTIONS for me at the time of my purchase. I am looking for a remedy to the situation because of the stubborn negotiation around the interest rate, the failure to provide the protections after me telling them I was a service member at the time of purchase, and for swindling a waiver out of me of protections Guaranteed to me at the time by law and leaving me with the bill.
Product: Vehicle loan or lease

I purchased XXXX in XXXX in XXXX TN XXXX irginally {$320.00} in XX/XX/XXXX XXXX went up to roughly {$550.00} I was making pmts and tgen got to where the high pmts along with insurance was too high my vehicle was repossed XX/XX/XXXX wells fargo would not work with me on the large pmts. I joined military XX/XX/XXXX bc of repossesion i was denied security clearance and $ XXXX sign on bonus. XXXX i had to file bankruptcy bc repossession was on credit but was still for full amount even tho the vehicle was sold. I filed bankruptcy bc i needed clearance to get new XXXX in XXXX to XXXX XXXX and i was denied clearance again went to see XXXX and was told bc of bankruptcy. I lost another sign on bonus of $ XXXX. In XXXX i tried to renew my XXXX contract bc my wife had become XXXX and we had a XXXX year old XXXX child and needed the insurance and job. I was denied contract renewal bc i could not rank to XXXX bc of the banruptcy and had to get out in XX/XX/XXXX. Forced out i have a family XXXX kids a XXXX wife and XXXX child i was now jobless and no check for 3 months. All of this bc Wells Fargo fraudulently placed CPI on my vehicle when i had full coverage pmts got too high out of nowhere and no willingness for help from Wells Fargo. Recieved letter beginning XXXX regarding class action lawsuit regarding my Tennessee wells Fargo loan. Contacted number heard nothing bk for months then requested insurance I called multiple companies wasnt sure who i had coverage with it was almost 10 years ago insurance companies saying they cant go bk that far. I called Dept of Safety in Tennessee and they can only view current ins. I called the office of Wells Fargo president and was told i was denied bc insurance i thought i may had was not valid. I was told till i can provide it i cant reopen it and that was on XX/XX/XXXX with case manager XXXX. Prior to being denied and filing complaint with office of wells fargo president ive spoke to 2 different agents who said proof of insurance was on file. I was then transferred to office of wells fargo president spoke to XXXX XX/XX/XXXX or XX/XX/XXXX she provided number and claim to me Phone XXXX Ext XXXX XXXX # XXXX. 
Account was given to case mgr XXXX he called next day that was Friday XX/XX/XXXX missed his call i called him today XX/XX/XXXX and said closing case. He was no help and rude. This has ruined my credit it ruined my military career, bonuses and has caused me to have to pay higher interest on loans. This is not right what they have done to me my family and to others. Please i need help
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX. XXXX XXXX account, # XXXX XXXX. XXXX XXXX XXXX account, # XXXX XXXX. DEPT OF ED/XXXX  account, # XXXX XXXX. XXXX XXXX account, # XXXX XXXX. XXXX  XXXX XXXX account, # XXXX XXXXXXXX XXXX XXXX XXXX account, # XXXX has violated my rights. 

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
Product: Credit card or prepaid card

XX/XX/XXXX ... ..I placed a order for qty 1 of a product for {$39.00}. I was charged {$190.00} and {$60.00}. I tried calling the company on XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX... reached a voice mail with no option to speak with anyone. I left my name, number and info on product that I did not want ... wanted to cancel shipment. ( I never received anything from the company..no bill of sale or any shipping information. ) XX/XX/XXXX ... .Refused shipment, not the 1 product I ordered. 
XX/XX/XXXX ... Per tracking info... .Product delivered to original sender ( XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX XXXX Charge on credit card for additional amount of {$190.00} XX/XX/XXXX ... Called CapitalOne..spoke with XXXX ... ..questioned what additional charge was for. Filed claim for 3 above charges. 
XXXX Letter received from CapitalOne ... requested sales invoice, proof of cancellation, refund voucher from vendor XXXX Letter stating shipment received ... USPS tracking # ... XXXX TRACKING NUMBER SHOWS PRODUCT WAS DELIVERED BACK TO VENDOR ON XX/XX/XXXX. 
aLSO STATED IF STILL DISPUTING send letter stating never received. 
XX/XX/XXXX sent letter to CapitalOne as requested., stating never received by anyone at my address in XXXX XXXX PA sent letter to CapitalOne on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX showing that tracking number showed ... .shipment never received by me. only 1 tracking number provided by CapitalOne and this showed items received by XXXX 
Also requested what the additional charges for {$60.00} and {$190.00} were for? 
I requested tracking numbers for the 2 additional charges. 
XXXX Called CapitalOne asked for supervisor. XXXX ( XXXX XXXX suggested we call XXXX  we spoke with XXXX ( XXXX ) it was verified that XXXX did receive items back. 
Why has no credit been issued? XXXX stsaed system problem to call back in a few days. 
I did call back and spoke with someone else whom stated no not going to issue credit XX/XX/XXXX ... sent letter to Capitalone, again showing original tracking number showed shipment sent was received by XXXX XXXX XXXX, FL XX/XX/XXXX received a letter from CapitalOne stating that CapitalOne felt that I benefitted from the 3 shipments. 
XX/XX/XXXX sent letter to CapitalOne asking for them to explain how I could have benefit from zero products received but I am being charged 3 times. 
PLEASE HELP ME I HAVE ONLY EVER RECEIVED ONE TRACKING NUMBER.. XXXX WHICH SHOWS ITEM RECEIVED BY VENDOR. 
I have requested additional information on 2nd and 3rd charges as to what charges are for and also provide tracking thats shows my receiving. I have been ignored... .never provided any information. 

I have never received any emails or phone calls from vendor only communication is thru CapitalOne ... .. there is also another store on XXXX. I saw it recently and sounds like exactly what happened to me.
Product: Student loan

I consolidated a portion of a federal loan to a private loan for a better rate in XXXX. The company I consolidated this loan to was XXXX ( XXXX XXXX Bank ). My loan was then transferred to a management company called MOHELA XXXX of XXXX. There were many issues with XXXX and a number of errors that occurred during the transfer to MOHELA. Two things have not been corrected. One - the transfer from XXXX to MOHELA now shows my original balance with XXXX to be double the amount I actually owed ( owed approximately {$100000.00} ; now shows {$200000.00} ) and they have not corrected this with multiple requests and even their acknowledgment by phone that it was incorrectly doubled. They have not given me a print out of the payment history of the XXXX account from the original consolidation in XXXX to the transfer to Mohela in XXXX - these records were wiped clean with the transfer. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 The following inquiry was not authorized and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Debt collection

I started receiving these calls from XXXX XXXX XXXX in XX/XX/XXXX, and the messages always say " Hi this message if from XXXX XXXX XXXX, this is a call from a debt collector, please call XXXX '' but the extension provided is always different. The message is typically very rushed and barely audible. 

To my knowledge, I do not have any overdue payments. Today XX/XX/XXXX XXXX, I finally gave in and called them back at the phone number they called from ( XXXX ), and the woman who answered the phone would not give me any information, and simple put me on hold after asking me for my name. I was on hold for quite a while so I hung up and called back. I spoke with the same woman and asked her what this was about and again she would not offer any information and told me she needed to place me on a brief hold to get me to the person handling my case. I was on hold for a while and got spooked, so I hung up. 

Please help me figure out if this is a legitimate call worth following up on. Thank you.
Product: Payday loan, title loan, or personal loan

Called their customer service phone number Tuesday XX/XX/2020, XXXX, to change the dates which my payments would get withdrawn from my account as it would overdraw my account since I just started a new job. The customer service representative told me steps to go through to change the autopay functions via the website and those steps were nowhere to be found. I am now over {$600.00} overdrawn from this company and another. I really just want the XXXX Covid stimulus bill passed through Congress.
Product: Debt collection

Dear Consumer Financial Protection Bureau, I am writing to formally dispute a debt claim that has been erroneously attributed to me, as well as to address the incorrect reporting of this disputed debt on my credit report, which has unjustly impacted my financial standing. 

On XX/XX/2023, I received a collection notice from Credit Collection Services, alleging that I owe {$850.00} to a XXXX XXXX XXXX of the XXXX. This claim was both surprising and unfounded, as I have been a loyal customer of XXXX XXXX XXXX XXXXor the past XXXX years, with no financial obligations to any other insurance provider. Given my longstanding and exclusive relationship with XXXX XXXX XXXX  the assertion that I owe a debt to another insurance entity is both incorrect and misleading. 

In response to the collection notice, I immediately dispatched a letter to Credit Collection Services, categorically denying the debt as mine and requesting further verification of the alleged obligation. Despite my prompt and clear communication disputing the claim, I have recently discovered that this disputed debt has been reported to credit bureaus, subsequently appearing on my credit report. This action has not only damaged my credit score but has also caused me undue stress and potential financial harm. 

I am seeking the assistance of the Consumer Financial Protection Bureau to rectify this matter by : Investigating the practices of Credit Collection Services, particularly their process of debt verification and the precipitous reporting of unverified debts to credit bureaus. 
Facilitating the removal of the disputed debt from my credit report, restoring my credit standing to its rightful state prior to this erroneous claim. 
Ensuring that all entities involved adhere to the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), protecting consumers from such unjust practices. 
I have attached copies of the collection letter received, my correspondence disputing the debt, and any other relevant documentation to assist with your investigation. 

Thank you for your attention to this urgent matter. I trust that the Consumer Financial Protection Bureau will act swiftly to address these discrepancies and uphold the rights and financial integrity of consumers like myself. 

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

Account is locked out. After 2 months and over twenty video verification, was told I need to provide a new physical mailing address, new phone number, new email, new XXXX, new antiphisping verification before I any proceeding to access my assets.
Product: Mortgage

Mt father has a mortgage with  PNC bank/mo rtgage company. I was attempting to be place on the loan with him. The initial person my father and I spoke with was  XXXX   XXXX . He stated that we could do this on a Harp refinance. He stated that there would be no money involved in this process and it would be a relatively short process. He told us that there would be no appraisal and no closing costs. this started in   XX/XX/XXXX  of this year ( 2017 ). A s the loan was being processes we had contact with him on several occasions and also with the processor  XXXX   XXXX . After about a month we were asked to submit a title surrender form to our city hall of records. It was determined that no title existed for our double-wid e in our county an d that the bank had no original copy of the title or apparently any of the initial paperwork in the initial purchase of a new double wide. About this time they sent me out an updated  Loan estimate which stated there would now be a closing cost for the load. They also called  and notified us their would be an appraisal of the house. I spoke with the person we initially spoke with to begin the process  XXXX   XXXX  who informed me he was wrong and that the underwriter needed an appraisal. He also informed me it would be my responsibility to pay for  a Title bond and  that he was also wrong about no closing costs. I also spoke with the processor again to get some clarification of why the initial person could say we had no closing and appraisal and to find out why the bank did not take care of this title issue. I could get no answer on any of these issues at that time. I asked to speak to a supervisor and was put in contact with a  XXXX   XXXX . We spoke of these issues and by this point the appraisal had been completed. She could not explain to me why it was necessary or why there was a closing cost. After sever conversations over a wee k or 2 with  her there was no resolution about the title. They are dealing with a title company outside of their own bank. After receiving no resolution on this i asked again to speak to a higher supervisor. I was told i would be receiving a call from who ever the next person was in the chain of command was. it has not happened as of yet. However i have received yet another another loan estimation update that has more than doubled the closing costs. We have no idea what will happen when we pay off this mortgage with the title situation. We have paid for 15 years on this home with no clue there was no title. I am the person who has been paying for 15 years on this home and because I am not on the title i can not claim my rights as a totally  XXXX  vet for tax purposes nor have i or my father been able to claim the interest paid at the end of the year on taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive reviewed all three of my credit reports and I've noticed that multiple of my accounts are showing inaccurate information. Ive tried countless of times to dispute via phone and online portal with no results. These accounts have inaccurate loan balances, late payments, credit usage and account type. Please fix the following so it can be accurate with all three credit reports 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

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  ACCT XXXX XXXX has violated my rights.

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
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/XXXX and XX/XX/2018, and 60 days late as of XX/XX/XXXX and XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting or other personal consumer reports

I sent dispute letters to XXXX, XXXX, and Experian to dispute inaccurate items. 

I did not receive any response from them that indicated that they verified the items as accurate, nor did I receive any information about the methods they used to verify those items as accurate. 

I received an email from Experian and XXXX stating they were not in fact going to look into the disputed items because they doubted the validity of the letters I sent. I sent them follow up letters explaining that they must, in fact investigate the disputed items. 

I even had a phone call with Experian to tell them to investigate, that got me nowhere. They insisited that I just dispute it over the phone, but I told them that I am aware of the law and do not wish to do so, they must honor my requests I sent in via letter.