23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt or credit management

Dear CFPB, I am writing to formally request assistance regarding a scam in which I lost {$1000.00}. Over the course of several weeks, I engaged with an individual who promised services related to credit repair. The person requested payments through Zelle, XXXX XXXX, and XXXX, and despite my repeated requests for proof of work, no verifiable services were provided. 

Here is a detailed timeline of the events : Initial Engagement : I was contacted by an individual posing as a credit repair service provider. They claimed they could help improve my credit score and remove negative items from my credit report.

Payments Made : Over time, I was pressured to make multiple payments through Zelle and XXXX XXXX. They requested {$1000.00} in total, which I paid in installments. Each time I asked for proof of the work being done, the individual made excuses, promising that the results would be available soon. Eventually, I was asked to send XXXX for the final phase, which I declined. This individuals tactics involved deflecting accountability, claiming that the process was " nearly complete '' or that an " activation '' would be needed to finalize the changes. 

Escalation : After recognizing that no services were provided, I contacted XXXX XXXX, which is my financial institution and the platform for several of these transactions. I explained that I had been scammed and provided documentation of the conversations and promises made. XXXX, however, denied my request for a refund, stating that the transactions were not reversible. Similarly, Zelle did not offer any support to recover my funds, despite clear evidence that this was fraudulent activity. 

Continued Scamming Tactics : After I requested a refund from the individual, they offered excuses, stating that I needed to pay additional fees for " clearance '' before a refund could be processed. This is a typical scam tactic, and I refused to send any more money. Despite this, I have yet to receive a refund or any form of resolution. 

Given that Zelle is operated by the banks, I believe there should be more protection in place for consumers who are victims of fraud. These transactions were made in good faith, but once it became apparent that this was a scam, I acted immediately to recover my funds, yet I have been denied. 

I am requesting the CFPB 's assistance in reviewing this case and helping me recover the {$1000.00} that I lost through fraudulent transactions. I have documented all communications, receipts, and transaction details and am happy to provide them for your investigation. 

Thank you for your time and attention to this matter. I appreciate your help in resolving this issue and ensuring that consumers like myself are protected from such scams in the future. 

Sincerely, XXXX XXXX Phone : XXXX
Product: Debt collection

Every year since I had discharged my bankruptcy in XX/XX/XXXX I receive calls from yet another collection firm trying to collect on debt from XXXX XXXX XXXX regardless of the fact that they were included in my bankruptcy. 
The calls started again at my place of business and on my cell phone XXXX/XXXX/XXXX and have happened at least once a day with an automated message being left on my voicemail despite my attempts to complain to the donotcall registry. 
I finally called them back today at XXXX and XXXX XXXX told me she was with First Recovery Associates and she was with an " arbitration firm '' attempting to collect on a debt from XXXX XXXX XXXX in the amount of {$400.00}. She said I would soon be served and when I told her that she is the XXXX company that has bought this debt and that it was included in my bankruptcy which discharged XX/XX/XXXX and would she like my lawyer 's phone number she said she did n't and that she would just take the file to litigation, then hung up on me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I am writing to dispute and bring to your attention an issue regarding the unauthorized disclosure of my Nonpublic Personal Information, as protected under 15 U.S.C. 6802. 

I recently became aware that my personal information, which is supposed to be held in strict confidence by your institution, has been disclosed without my consent. The nature of the disclosure raises concerns about the privacy and security of my financial information. 


The details of the unauthorized disclosure are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Im again requesting that your institution conducts a thorough investigation into this matter and takes appropriate actions to rectify the situation because under the 15 U.S. Code 6802 section b, it states, a financial institution may not disclose non public personal information to such financial institution or any nonaffiliated third party unless, ( a ) Such financial institution clearly and conspicuously discloses to the Consumer, in writing or in electronic form or other form permitted by the regulations prescribe under section 6804 of this title, that such information may be disclosed to such third party. 

( b ) The consumer is given the opportunity, before the time that such information is initially disclosed to institution and such parties ; and ( c ) The consumer is given and explanation of how the consumer can exercise that nondisclosure option. 





I am also requesting that you provide me with a written response detailing the findings of your investigation and the steps taken to address the situation. Additionally, I would appreciate information on how your institution plans to enhance its safeguards to ensure the privacy and security of my Nonpublic Personal Information.

Again, Ive carefully reviewed my consumer report and identified the above-mentioned accounts as Nonpublic Personal Information. the information provided in relation to those accounts are erroneous. 

I appreciate your prompt attention to this matter and expect a fair resolution. I trust that consumer reporting agency will take appropriate action to delete the erroneous entry from my consumer report.
Product: Credit reporting or other personal consumer reports

" Your agency is in violation! 
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. 
Delete this at once! '' LIST OF ACCOUNTS BEING CHALLENGED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

We had a XXXX XXXX, credit card we used because we were offered XXXX for XXXX, and XXXX  % off.we used it for a purchase of an appliance.then me and my husband paid it off and then we closed it and how other purchases were fraudulently, made is beyond us? we have called sent this company a police report as well as the credit card and the collection agency, repeatedly reporting this as a negative on my bureau.i have always paid my bills on time never have I been late on anything.you are more then willing to look at my credit bureaus we have XXXX mortgages just please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, VA XXXX 15 U.S code 1681b - permissible purposes of consumer reports ( a ) in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates I, XXXX XXXX, never gave you any written consent to include any of this information to my consumer report. 

XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  XXXX & XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX -XXXX  Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX As a consumer by law these inquiries on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state pursuant to 15 USC 1681n, also Ive already involved and sent this letter to the CFPB, attorneys general office and the XXXX XXXX XXXX and Federal Trade commission. 

PLEASE MAIL ME AN UPDATED CREDIT REPORT SHOWING THE REMOVAL OF THESE INQUIRIES
Product: Vehicle loan or lease

I need someone to review this. 
My issue is related to the options I chose in this complaint but ALSO an issue with their collection processes. I was working with an agent at Flagship Credit Acceptance before, he submitted a request for modification and have my payments deferred for 3 months. I ended up having to change my number due to legal purposes. 

This agent took MY PERSONAL and PRIVATE information from Flagship Credit Acceptance and FOUND my on XXXX. My PERSONAL XXXX and attempted to ask me to contact him ; he also probed to find my new number so he can contact me in attempt to collect the past due balance. 

Behavior like this is absolutely unacceptable for a member of personnel to contact by via social media, let alone my personal XXXX on HIS personal XXXX to attempt to collect a debt because my number was changed and I hadn't updated my information with any of my creditors yet. This is a breach of confidentiality and not an acceptable business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed 2 addresses with XXXX, and they keep refusing to remove it. It is not my address and I have never gotten any credit from this address. I have lived in my same home since XXXX. They say it is a XXXX XXXX. I have had cards where a business used my information to open the cards. I have sent XXXX that as well and told them to send me validation it was mine and they still can not validate the debt or show me proof of how these addresses are mine. It is hindering me as when I need to verify myself it wants me to use an address that is not mine. Why are addresses being used that are not mine and fraudulent and why can't I have them removed when they can not prove they are mine? This is very frustrating for me that people can use my information and I am forced to keep it on my credit report, and it is not me nor have I ever used these addresses. I am not sure what else to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion continues to report that I still owe on a closed paid off secured loan. The report is contra status. They claim to have investigated the dispute and validated their reporting. This company continues to hurt my credit ratings. Are they a legitimate credit reporting company? 

I am so tired of dealing with TransUnion with their multiple outdated data reporting, not willing to investigate, verify and fix errors. Most of their disputes take an average of 7 days to investigate and never fixes the problem. They claim the XXXX XXXX  credit and secured loan are adverse accounts, but when I reached out to original bank, they say they they sent accurate report that both my accounts are closed and paid off, to the contrary in reporting on TransUnion. This is so unfair.
Product: Mortgage

XX/XX/XXXX I called Amerihome to see when I would be receiving my property tax check to take to the City of XXXX XXXX. They told me they send the check directly to the City and that my account was being paid on XX/XX/XXXX. I received my XX/XX/XXXX bill and saw that the payment was made on XX/XX/XXXX. On XX/XX/XXXX I went online to get documentation showing my payment was made before XX/XX/XXXX. It showed that my payment was not made. I called Amerihome and was told that my payment was made XX/XX/XXXX via wire transfer and that I would have proof faxed to me within 24 hrs. On XX/XX/XXXX I again called Amerihome and told them I never received the fax. The person I talked to said she would have the person I talked to yesterday see why it was n't done and she would put in a XXXX request RUSH to get me the email. On XX/XX/XXXX I called for the third time in 3 days because I still did not get a email. This time I got a manager that told me the payment was sent XX/XX/XXXX in a bulk check, not a wire transfer. The manager finally sent me a letter that simply said the payment was made with a bulk check, the day they made the payment, how much my payment was, and my tax id number. No information about the original check number or if it was cashed or not. I took it down to City of XXXX XXXX on XX/XX/XXXX. The minute I explained that my mortgage company said the payment was made and the City says no, she said " Let me quess. Your mortgage company is Amerihome. '' I said yes. It turns out that Amerihome sends the payment to XXXX to send payment to the City. When Amerihome sends it to XXXX ( via wire transfer ), they include the tax id. When XXXX sends the payment to the City, they use the loan number. The City has a list of payments with loan numbers that they look up when someone like me calls or comes in. They found my loan number and the payment. Problem is, they make the payment like they got it today instead of XX/XX/XXXX which messes up my taxes. All I got from XXXX is issues and false information.
Product: Credit card or prepaid card

On XX/XX/2023, I ordered a portable air conditioner from XXXX for {$470.00}. It was marked delivered at around XXXX on XX/XX/2023, but the picture attached to the XXXX  tracking number provided was not at my house. I have cameras and no delivery driver ( or anyone for that matter ) came onto my property. I searched around my house and immediate neighbors houses just to be sure, with no luck. After reaching out to the Merchant ( XXXX ) they informed me since XXXX provided a proof of delivery ( even with it being at the incorrect house ) they would not be able to help me with a refund and I should dispute this charge with my credit card company, American Express. I put in the dispute ( Ref. NoXXXX  ) the next day, providing a detailed written explanation as to why this charge was being disputed, along with photos of my house both in person and on XXXX XXXX to corroborate the fact that it was NOT delivered to my house, the house in the photo XXXX  provided does NOT match. I expected a prompt and easy resolution, what I have recieved couldn't be further from that. The dispute has been continuously closed in XXXX favor over and over, NONE of the agents will look at the proof I have provided to them. They are taking the " proof of delivery '' from XXXX, provided by XXXX, and claiming that since XXXX says the item is delivered I am not entitled to a refund. This is not what the dispute process is for/about. I have already reached out to the merchant myself, and was unable to reach a resolution. The product was never recieved, THUS the dispute. It is supposed to be their job to investigate this incident, and instead of doing any investigation of the proof ALREADY PROVIDED they just keep continuing to reach out to XXXX and ask them if I deserve a refund. This is absolutely frivolous. Of course, the merchant is not going to say I should be refunded when I have already reached out and asked for a refund that they denied. The whole point is for an investigation to take place, to look at the evidence available. I have provided evidence while XXXX has nothing but a page saying " yes it was delivered to this address '' I am absolutely shocked at this process and the outcome. I will continue to dispute the charge with Amex as long as I have to, I will NOT be paying almost XXXX dollars for an item I never recieved. 

I will include the pictures mentioned previously ( of my house and the XXXX  delivery photo to the INCORRECT house ) with this complaint. These photos have already been submitted to Amex and they do not review them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received alert from XXXX XXXX of an inquiry from XXXX, Avant and XXXX bank dates XX/XX/18. I did not apply for any credit from any of these lenders. I have a car loan from XXXX and did apply for a credit card early last year, but nothing since then. These inquiries are unauthorized. In logging into one of my email accounts I dont use often, I see the declines were sent there & I NEVER use that email because it gets sooo much spam, so Im looking into putting a freeze on my credit file until I figure out whats going on. I had a bag full of old mail sitting around for a couple days that I intended to go shred, but it was thrown out by accident and I am freaking out. 

Please delete these inquiries because I did not submit any recent applications. You can email me at XXXX, or, send your response in writing to XXXX XXXX XXXX XXXX XXXX VA XXXX
Product: Credit reporting or other personal consumer reports

I have disputed these items with XXXX, XXXX and Equifax. Nothing has been done even after providing proof. The only address that should be on my credit report is my existing address XXXX XXXX XXXX XXXX XXXX XXXX mo XXXX
Product: Mortgage

We had our mortgage with Wellsfargo from XXXX to XXXX before refinancing. There were several instances in which our costs did not seem to be correct and I believe the escrow amount may have been handled improperly.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and found some fraudulent accounts. Please remove these fraudulent accounts as they are stopping me from getting my dream home. Thank you.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Dispute Under 15 U.S. Code 1681 Request for Investigation Dear CFPB Representative, I am formally disputing an issue with XXXX bank XXXX XXXX XXXX bank and Amshercollectionsevices such as inaccurate credit reporting, unauthorized charges, unfair lending practices, etc.. Despite my efforts to resolve this matter directly with the company, they have failed to take appropriate action. 







XXXX Bank XXXX XXXX Bank AmsherCollectionServices I have wrote them a letter on multiple occasions and they have denied my request of removal! I need all my remarks to be removed from these companies immediately as they have proven themselves to have wrongful information and incorrect amounts! I need a full investigation on all these cases Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681, I have the right to dispute inaccurate or incomplete information and to have the matter properly investigated. The law requires that credit reporting agencies and furnishers of information investigate disputes within 30 days and correct any inaccuracies. [ Creditor/Company Name ] has failed to comply with these requirements, and I am requesting the CFPB intervention to ensure that my consumer rights are upheld. 



I have enclosed copies of supporting documentation, including [ list documents such as billing statements, letters, emails, credit reports, or other relevant evidence ]. I request that the CFPB take appropriate action to ensure compliance with federal law and facilitate a resolution. 



Please keep me informed of any progress regarding this dispute. Thank you for your time and attention to this matter. 



Sincerely,
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There is a need to ensure that a consumer reporting agency excises their grave responsibilities with fairness, impartiality, and a respect for the consumer rights to privacy Pursuant to the fair credit reporting act 15 usc 1681 ( a ) ( 4 ), I am a federally protected consumer and I have the right to privacy not granting me my right is in direct violation of 15 usc 1681 and it subsections furthermore. My identity has been stolen, and this serves as your official notice. This constitutes aggravated identity theft under 18 u.s.c 1028A by furnishing a consumer report without my written permission, as stipulated by 15 usc 1681b, you have facilitated this fraud. Congress mandates fairness, impartiality, and respect for consumer privacy in the fair credit reporting act ( 15 usc 1681 ). Additionally, 15 U.S. code 1681c-2 requires the blocking of information resulting from identity theft upon request Specific violations Failure to provide validation information ( 12 cfr 1006.34 ( b ) ( 5 ) ) : the collection agency has not provided me with the written validation notice required by law. This notice details the debt, it creditor, and my rights to dispute it Denial of dispute opportunity ( 12 cfr 1006.34 ( c ) ( 4 ) ( I ) without receiving the validation notice, I havent been given the chance to dispute the accuracy of the debt. False, misleading, and deceptive practices ( 15 usc 1681-s 2 ( 7 ) ( a ) by placing a collection account on my credit report without my proper validation and dispute opportunity, the agency is using deceptive means to collect the debt. Unauthorized furnishing of information ( 12 cfr 1006.34 ( d ) & 15 usc 1681-s 2 ( 7 ) ( a ) the collection agency has no right to furnish this debt to credit reporting agencies without following the required legal disclosures
Product: Debt collection

I received a letter stating that I had an owed balance with XXXX. I contacted the company and was told that my balance was {$29.00}. I have not utilized there business since XX/XX/2013. I paid the amount owed, in full. Now, I have a derogatory item on my credit report about some bogus charge that XXXX has turned over to a collection agency in the amount of {$220.00}. This is a zombie debt that is of no value and it is hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided my PII to GM Financial for the purposes of a soft credit pull for prequalification without an impact on my credit score. GM Financial then provided my information to XXXX XXXX  in XXXX MD who performed a hard credit pull without my explicit authorization or knowledge. This negatively impacted my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act Convergent Account XXXX XXXX XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX, XXXX 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