23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/2020, at XXXX, XXXX XXXX from Commercial Acceptance contacted me on my home phone regarding 3 ambulance bills ( 3 separate original creditors-all for ambulance services ). After being advised of the debt, I explained to her I can offer to settle at 50 % of my debt ( with tax season approaching and other financial obligations, I'm trying ) She then went on to say, her clients will not accept that amount and to have a good day, then hung up immediately! There was no time to respond to her nor even offer any type of payment arrangements on my debts. This isn't the first time she has done this. She did this is exact same thing a few times within the past few years. I called the number back and spoke with a manager named, XXXX. I explained this was very unfair and I find it abusive. It is my understanding, as debt collectors, they are to be very professional and alert debtors they will be ending the call instead of abruptly hanging up when they don't get that credit card information. I asked XXXX  to remove my number and not call again. She said to put it in writing or there's nothing they can do. I shouldn't have to put it in writing to request calls to stop. It is harassment to call someone and not even give other options! Not even so much as a payment plan. This is rude and unfair, especially considering I'm trying to do what I can to rectify my debts. I am a new stay at home mom and the calls being made are constantly waking the baby during nap time. I try to answer when I can but not always possible. Not to mention, I am emotionally disturbed and stressed as I'm trying to take care of the debts and I should be able to defend myself with this type of situation taking place. I feel targeted, as if I'm being backed into a corner. Being a mother of XXXX, I can't just put my kids ' needs aside to pay {$2000.00} ambulance bills all at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report I've notice that inaccurate information is being reported on credit report. Starting with XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX and Jefferson Captial System XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

on XXXX I have wired {$1400.00} from my bank XXXX XXXXXXXX XXXX to Citibank to pay a bill there was some issue with the payment and Citibank returned the fund apparently without enough information to refund the money to my account, my bank requested for information and they did not receive any respond, so my bank return the money back to Citibank, since then roughly every week my bank is requesting to recall the fund but they have not received any respond yet. I have gone to Citibank with all the documents ( email and all XXXX  number and all info that I have got from my bank, They did gave a number to call that after two hours waiting and getting connected from one departments to another I was able to talk to somebody in sending the wire and she said I get the information but no grantee which still I have not received any respond yet.
Product: Mortgage

Please refer to Complaint ID XXXX ) filed on XX/XX/2021. 
Rocket Mortgage refunded to me the {$340.00} they erroneously paid on XX/XX/2021. 
Excellent! Thank you! 

BUT... 
Here we go again. 
I just received from Rocket Mortgage a " Lender Placed Flood Gap First Letter ''. 
Wouldn't you know it is an exact copy of a letter they first sent to me just five months earlier on XX/XX/2021. 

Last night I had just drafted another complaint to you about Rocket Mortgage who had ( in addition to the " force-placed flood gap '' scam ) purchased TWO homeowners insurance policies for me -- kind of forgetting that their extending a mortgage loan to me in the first place had required me to prove that I had already paid 12 months of homeowners insurance -- the cost of which was ALREADY factored into the escrow payment in my monthly payment. 

Just as I finished drafting the complaint, it turned out to have gotten resolved, though not before they had withdrawn {$380.00} from my bank account in excess of what I truly owed. They told me they are refunding that amount. 

For details, please see my submission under " Tell Your Story ''. ( It includes the complaint I had drafted ; I attach a copy here. But maybe you shouldn't send it to Rocket ; it would tip them off, if it really is a scam. ) I have also notified XXXX. XXXX XXXX that its rating of Rocket Mortgage as # 1 in mortgage servicing in the U.S. " eight years running '' is seriously stale if not suspect, given the experience I have had.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an inquiry from XXXX/XXXX  XXXX XXXX that appeared on my TransUnion credit report on XX/XX/2020 which I did not authorize. I have reached out to both TransUnion ( TransUnion said they do not dispute inquiries and that I would have to call XXXX/XXXX  XXXX XXXX ). When I contacted XXXX/XXXX  XXXX   XXXX  the company had no record of an inquiry placed by them for me.
Product: Mortgage

We changed insurance companies in XX/XX/XXXX. The mortgage company received 4 letters and never paid it. Our home burnt to the ground XX/XX/XXXX. The mortgage co admitted fault and said they would cover the entire claim. We have been in litigation almost 2 years. They quit paying our living expenses wo warning breaching that contract as well as our mortgage by not paying our insurance from escrow. We have had our credit destroyed and have had to pay for living expenses for over a year and they have still not rebuilt our home or paid our losses or XXXX or storage. Our lawyer just quit on the case today bc he doesnt want to take us to trial. We need assistance asap. I have 14 other people who have contacted me regarding the same company. Its ridiculous what they have put our family through and we are still not restored and taken care of to no fault of our own. We have filed against them before and we are still waiting to have this mess cleaned up so we can start over. Please help.
Product: Debt collection

Show me the privacy note with my signature that was used to share my PRIVATE INFORMATION with the debt collectors Show the privacy notice to go from different debt collectors Thats a violation of my rights You can not just pass my private information to more than XXXX debt collector without my consent. 


XXXX. ) show me the notice you have Prove the claim amount You claim I owe XXXX $ show me based upon the accounting records how we got to XXXX $ Also the full account number for the account? 

XXXX isnt proving the full account Also the XXXX $ debt you claim I owe? 

XXXX ( Dont just send me statements, which youve never done including signatures and everything else Ive asked for proving the debt is mine Dont just have a statement or another statement, lets not leave it at that. Show me how you got to that claim. Show me my payments my interest rates the signed authorization charges. Digital or Signature or keyed in with a pin.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I reviewed my credit report and saw an unknown THREE medical bill from XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have sent the credit BUREAUs numerous dispute letters along with an FTC to get these negative accounts removed. I have never been to the hospital at this location before and haven't been to the hospital in YEARS. Besides, I have XXXX so all of my medical expenses are paid in FULL. The company is negligent as well and has yet to send any validation. This is impacting my credit score negatively and I need it gone ASAP! I have hired an FDCPA lawyer since my request are being ignored
Product: Credit reporting or other personal consumer reports

I tried to dispute incorrect information on my profile with transunion and XXXX because my credit reports do not coincide with one another and also has inaccurate information. There are a bunch of hard inquiries on both reports that are not accurate and needs to be deleted. Under 15 U.S. Code 1681 I am fully entitled to a fair/accurate credit report and the bureaus have the obligation to provide the necessary documentation proving the accuracy of the items. Neither bureaus have fulfilled there obligation in providing that information. I managed to get rid of hard inquiries with experian that were inaccurate information but transunion and XXXX refused to assist with the situation.
Product: Mortgage

We bought a house in XX/XX/XXXX. In XX/XX/XXXX I filed bankruptcy Chapter XXXX only credit cards and my husband filed bankruptcy Chapter XXXX also in XX/XX/XXXX. We always been on time on our mortgage payments, never late because we want to keep our house. We started to build our credit two years ago and we noticed that the mortgage company is not reporting our mortgage payments to the credit bureau since the time we filed the bankruptcy. I called the mortgage company and they said they need the ( reaffirmation letter ). I tried to contact the bankruptcy lawyer about this letter but I can't locate her anywhere, her office is close and there's no other way to contact her. This problem is holding our credit score back and we think is not fair since we've been paying on time since the time we bought the house. I understand buying a house and a car paying on time helps to build your credit a lot because is a big responsibility for many years, this is not helping our credit. We pay every month {$2200.00} and is not fair that they don't report it to the credit bureau. If they would we would have an excellent credit score. This affect our credit because we can't get a decent rate based on our score. We would appreciate everything that you could do to solve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries that are not authorized by me. They are identity theft and I am almost finished notifying the appropriate parties. I previously filed a report however there were some inquiries missed so these are the remaining fraudulent inquires : 1. XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX Attached is my new report with the FTC also.
Product: Credit card

Approximately XXXX XXXX  ago, I was the XXXX  of fraud across all of my credit and deposit accounts with XXXX  financial institutions. This was not an isolated incident and it happened XXXX times over XXXX XXXX as I did not realize immediately that the perpetrator was an associate of mine with access to my home and repeatedly accessed credit & debit card information. Some of these accounts were hit XXXX  times over this time, because the perpetrator access the new card information when the previous card was closed and re-issued. I did not give my associate access to my personal records, but they took the liberty to do so when unsupervised. Because of their actions, it caused multiple deposit accounts of mine to be in the XXXX  and for payments to capital one to be returned unpaid. I have contacted Capital One to explain the situation and make them aware that I was the victim of credit fraud not the perpetrator and they couldnt seem to understand. They closed my XXXX longest open credit card accounts that I had maintained excellent credit history for over XXXX XXXX on each. I again tried to explain the situation, and the fact that I was the victim and not the criminal to no avail. I have since experienced extreme economic hardship because of excessive XXXX  bills due to multiple chronic illnesses and have been given no concessions by capital one because XXXX of my XXXX accounts was characterized as not complying with company disclosures/delinquent.
Product: Debt collection

In XX/XX/XXXXXXXX  I received two letters by mail from a collections company named XXXX XXXX , XXXX in which they claimed I owe the amount of {$5800.00} to them. This letter included my actual residential address and my legal name. On the other hand, the other letter contains the name of : XXXX XXXX with the same address as me. This person does NOT reside in my address nor I have any relation with, and I do NOT owe any amount of money to them. In XX/XX/XXXX, just 30 days after I receive this first communication from them, I sent a Debt Validation Letter asking them for validation, information, and competent evidence in regards that I owe them that amount, and also a Cease and Desist request to stop them trying to communicate with me by phone and only by mail. 
They received my Debt Validation Letter on XX/XX/XXXXXXXX  as my tracking number from USPS stated, given that I sent my letter with Priority Mail for evidence reasons. As of today, I have not received any evidence of dismissal of the debt but a negative credit report on my XXXX credit bureau yesterday, Thursday XX/XX/XXXX. I tried to contacted them yesterday by phone and they refuse to talk to me because I need authorize that again ( Cease and Desist requested for me ) but indirectly telling me that they indeed received my letter and obey my request, but fail to prove that debt belongs to me. The name of the representatives that I spoke to are XXXX XXXX and XXXX XXXX from Hunter Warfield , Inc . I filed a dispute to XXXX yesterday XX/XX/XXXXXXXX  and provide them with some evidence that I have and looking to have them remove out of my credit report and repair the damages they have done to my credit.
Product: Student loan

Im definitely glad to see this I 've been complaining for years my student loans have jumped tremendously over the years I owe almost XXXX dollars because they always had reasons why I was not eligible for a repayment plan instead they keep putting me on forbearances which you continue to incur high interest on your loans Also school I went to all closed and unable to even get a job in the filledZ it was a waste.. the school was also misleading signing me up with these different type of lisns
Product: Mortgage

Re : Loan # XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 
For over 3 years Wells Fargo and its employees have denied our request for Loan Modification for a Bait and Switch Loan Modification provided to us on or about XXXX 2009 by underwrite XXXX XXXX. 
See attached word Doc Complaint:
Product: Checking or savings account

Hello, This with XXXX  XXXX  my checking account is with. I did an dispute against cash app for fraudulent activity on there format. I send them all information on this topic and they hung up on me and said my account is closed. I never was told. Why but all this happened way before my account was closed with cash app. They allow scammers to use there site and they have been told multiple times about the issue they do not care about there customers now they are going to cheat me out if my dispute. 
Started XX/XX/2023 ended XX/XX/2023 XXXX transactions all approved. {$1600.00} was XXXX  amount and {$1200.00} was Cash apps portion Cash apps portion I never received. This is why I am doing my complaint. They just ignore all my attempts. 

Here is my dispute case number XXXX XXXX. XXXX. Disputed transaction from my checking account against cash app. 

The reason why Im requesting a appeal is the Merchant never paid me anything on XX/XX/2023. Not sure where you came up with the XXXX dollar refund. Theres is no evidence at all on my account history. This is very simple and I do appreciate you getting my dispute done. But they owe me the rest of my money. The dispute came back as approved XXXX I did get credited back to my account. But like I said before the rest of the XXXX dollars which totals out to XXXX transactions that where all approved. But you said the merchant paid me back but thats totally not the case. The credit I did get was never a part of the dispute. I never tried to get that portion because it was settled. But all XXXX transactions was what I was owed. So please make that adjustment and credit my account ASAP. I do appreciate your hard work but merchant never credit me anything. All XXXX transactions was not credit back to me please make that adjustment. Your dispute customer service would not allow me to do an appeal so I had to figure away to do this on my own.
Product: Money transfer, virtual currency, or money service

I responded to an ad on XXXX about someone selling XXXX XXXX miles. The individual provided me with pictures of his XXXX XXXX account, a small portion of his identification card and then called me to walk me through the transfer. He even sent me screen shots of the flights to assure me that we were looking at the same flights and everything. He also " talked '' to his child, and his wife at various points during the conversation, to set me at ease. I sent him the money via XXXX through Chase Bank in two transfers and as soon as the second transfer went through the call disconnected. I immediately called back and the line was no longer in service. I called my bank and they said there wasn't anything they could do and for me to contact local law enforcement. I asked to file a claim and they refused to because they " can not contact the person '' and that it was my fault. The representative also told me that a scam is not fraud. I have pictures of the ad and all the pictures that the individual sent me ( including of his XXXX account! ) to deceive me. They clearly know that banks will do nothing to help the consumer and therefore act with impunity and do not care if you have their information. It is not right that neither XXXX nor Chase take no responsibility or assist the consumer.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX  Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding unauthorized hard inquires appearing on my credit report, in violation of my rights under FCRA and other relevant laws. Under 15 U.S.C. 1602 ( p ), permissible purposes for accessing a consumer 's credit report must be clearly established and authorized by the consumer. These inquiries were made without my explicit permission and, as such, constitute unauthorized access to my credit information. Additionally, under 15 U.S.C. 1681c-2, I am requesting the immediate removal of these inquires from my credit report. This provision grants consumers the right to have a unauthorized or fraudulent inquiries removed to ensure the accuracy and integrity of their credit information. The presence of these unauthorized hard inquiries is negatively impacting my credit score causing unnecessary harm to my financial reputation. I have already attempted to resolve this matter with the reporting entities but have not received an adequate resolution. I request that the CFPB take the following actions : 1. Investigate the inclusion of these inquires on my credit report to determine whether they were properly authorized. 2. Ensure the immediate removal f the unauthorized hard inquiries from my credit report. 3. Hold the responsible parties accountable for violating my rights under FCRA. I appreciate your prompt attention to this matter and ask that you keep me informed of the progress of your investigation.
Product: Checking or savings account

I have had 3 charges from company XXXX of XXXX charged to my citibank checking account in error on XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. I advised the company to take one bill of XXXX which I had in arrears and asked them to cancel the account. The company went on to charge me in XXXX, XXXX and XXXX. I contacted the bank to dispute the 3 charges at the same time. the bank then created 3 separate cases XXXX, XXXX, and XXXX. I received paperwork from the bank to fax documentation to the bank on fax number XXXX which i did on 4 different times. Using the reference number they gave me for all 3 cases R # XXXX I faxed a letter explaining what happened with all my required info and email conversations with me and the vendor advising them to only take 1 payment and cancel my subscription. The bank initially provided temporary credit for all three charges. A few weeks later the bank sent me documentation that they have no received any documents requested, I called in and spoke to a rep that gave me the XXXX number to fax the info again, which I again faxed. The credits were then reversed advising that documentation wasn't received and the cases was resolved in favor of the vendor. I called back and spoke to supervisor XXXX who advised me docs were received on XX/XX/XXXX but only applied to case XXXX, He also advised that fax # XXXX was not working and gave me fax XXXX which i then resent all the docs again and they were received. I need the bank to replace these charges back to my account i did not authorize them and I have provided documentation of my conversation with the merchant proving this.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Account Number- XXXX Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ). 
Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 

validation request, which I am allowed under the FDCPA. 
I will await your reply with above requested proof. Upon receiving it, I will correspond back with you.