23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hello, I opened a XXXX XXXX XXXX credit card with American Express in XX/XX/2019. As a promotional offer for opening the account, American Express offered XXXX XXXX XXXX points after spending {$4000.00} within three months following the account opening date. This spending requirement was completed XX/XX/2019 in accordance with the terms and conditions outlined by American Express, and XXXX XXXX Points appeared on my XX/XX/2019 statement as points 'earned this period '. 

Neither the XXXX Points associated with the promotional bonus nor the points associated with the everyday spend have posted to my XXXX account. Attempts to resolve this issue with American Express have been unsuccessful. 

The XX/XX/XXXX statement that shows the XXXX points earned is attached. Please let me know if you require any additional information. I really appreciate your help. 

Best regards, XXXX
Product: Credit reporting or other personal consumer reports

I respectfully ask that this company cease reporting the accounts stated in my dispute letter to my consumer reports and to compensate me pursuant to 15 USC 1681n via electronic funds transfer for damages.

15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. 

( c ) Attorneys fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorneys fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. 

( d ) Clarification of willful noncompliance For the purposes of this section, any person who printed an expiration date on any receipt provided to a consumer cardholder at a point of sale or transaction between XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, but otherwise complied with the requirements of section 1681c ( g ) of this title for such receipt shall not be in willful noncompliance with section 1681c ( g ) of this title by reason of printing such expiration date on the receipt.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. XXXX. The inquiry was not authorized XXXX Date of Account : XX/XX/year> Please remove it from my credit report. XXXX XXXX XXXX Account Number : XXXX .Validate the late payments. I have never been late on this account. XXXX Account Number : Please correct/update this inaccurate information on my credit report. XXXX XXXX Account Number : XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX  TRAFFICKING. Please correct/update this inaccurate information on my credit report. XXXX XXXXAccount Number XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. XXXX ] XXXX XXXXXXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF XXXX XXXX  ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!! Please correct/update this inaccurate information on my credit report. XXXXXXXX XXXX Account Number : XXXXPLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX ( b ) ( XXXX ) XXXX ( b ) ( XXXX ). I kindly request that you delete and block this information from my credit report within four business days pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of human trafficking of debt bondage and would like for all listed accounts to be blocked and deleted company information. Please delete the following accounts. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX. 
Account Number : XXXX INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt XXXX, which falls under trafficking according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of Debt XXXX and would like for all listed accounts to be blocked and deleted company information from TransUnion, XXXX and XXXX. 

Please delete the following accounts : XXXX XXXX  Account Number : XXXX Balance : {$3500.00} XXXX  XXXX Account Number : XXXX Balance : {$2500.00} XXXX Account Number : XXXX Balance : {$35000.00}
Product: Debt collection

On XXXX XXXX, 2016 I was contacted by a person claiming to be from a collection agency ( not named ). I did not get the name of the woman on the phone. She claimed she was calling about a past due debt, but did not provide any information about to whom I owed the debt. Instead, she started asking personal questions which I refused to answer, since I did not initiate the call and she did not provide any information to allow me to trust her. I hung up. The only information I have is her phone number and the city from which she called. The phone number from my recent 's list is ( XXXX ) XXXX. The city is XXXX, Minnesota. This seemed to be a phishing call. The questions she was asking were all information any vendor would know.
Product: Mortgage

around  XXXX , I had a mortga ge with wells Fargo, th e property address is  XXXX   XXXX   XXXX   XXXX , in  XXXX  I lost my job I had difficulty to make payment on time and I had tried to work with the company to keep my house after 15 years occupying it, they refused and they make to me a short sale telling me they would forgive all the difference that they would sell the house for, and I had no other choice than to accept it, while the short sale that they offered me in process, they filed a foreclosure which I fought to get the short sale though, on  XXXX   XXXX ,  XXXX , the process was done and went though, after that, because I no longer had the house, I went to the Post  Office and bought a mailbox, just after I did that, Wells Fargo sent me a letter telling me that they saw I changed my address so they will update my address for my account, so I called them reminding them   that I no longer had any business with them, they told me that it was a mistake on their part, after a while, I went overseas and I forgot to pay my mailbox before I left, so when I returned, the Post Office already sold my mailbox and gave another box number, once they found out that my mailbox number changed, they sent a  letter telling me the same thing, and I called them again, they told me it was a mistake, so I forgot everything, not too long ago, this time, I received a an email from them telling me due to the security, they wanted me to update my informations regarding my mortgage, and called them, they told me again that was a mistake, so I have gone too much with this matter, and lately I saw on the news that they had opened accounts on people name without their knowledge, this is raison why I am filing this complaint, thank you very much
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my last and final attempt to get hard inquiries removed from my TransUnion consumer report. I sent transunion documentation due to unauthorized inquiries on my report. They received the letter certified mail green return receipt on XX/XX/XXXX tracking number XXXX i sent an ftc report, passport and the proper documents to remove the items from my report but they are still on there. TransUnion is being negligent in my request and now I am seeking {$1000.00} for the negligence of them ignoring my letters that they received and signed for. i have my proof that transunon received the letter and they are supposed to remove the hard inquries within 4 days upon receipt it has been well past 4 days and the hard inquiries are still on my report therefor i am demanding to be compensated for the inconvenience and will seek litigation/arbitration if need be.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Accounts are XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX  XXXX XXXX  ACCT # XXXX DEPT OF ED ACCT # XXXX / XXXX ACCT # XXXX DEPT OF ED ACCT # XXXX DEPT OF ED ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXXXXXXXXXX XXXX XXXX  XXXX US DEPT OF EDUCATIONXXXX 1 OF 2 DEPT OF EDUCATION/XXXX-OPENED XX/XX/2014 ACCT # XXXX 2 OF 2 DEPT OF EDUCATIONXXXXOPENED XX/XX/2014 ACCT # XXXX XXXX XXXX XXXX ACCT # 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I am filing a complaint with Cash app ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate The Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

Complaint Regarding Fraudulent Transactions and Lack of Support by Zelle Between XX/XX/XXXX and XX/XX/XXXX, I encountered several issues with Zelle that resulted in significant financial losses. 

Unauthorized Transfers : Starting in XXXX, unauthorized transactions appeared on my Zelle account. These incidents resulted in total losses exceeding {$8000.00}. I promptly reported the activity to Zelle and provided documentation, but no refunds were issued.

Fraudulent Reversals : Customers frequently reversed payments after receiving products or services. I submitted evidence to Zelle multiple times, including invoices and communication records, but my claims were denied without explanation.

Lack of Security : Zelles inadequate security measures allowed repeated unauthorized access to my account. Their support team failed to provide assistance or solutions to prevent further fraudulent activity.

Impact on My Life : These financial losses caused significant hardship. By late XXXX, I was struggling to cover basic expenses, and in early XXXX, I lost access to reliable transportation for my family. 

I urge Zelle to investigate these incidents and take responsibility for the financial harm caused by their lack of security and customer support. I request restitution for the money lost due to their negligence.
Product: Money transfer, virtual currency, or money service

Around XXXX XXXX today XX/XX/22 I initiated XXXXo wire transfers to the title company for a real estate closing from my XXXX Citibank accounts. The amounts were {$50000.00} and {$44000.00} Citibank did not complete the wire transfers on the same business day, thereby ruining a real estate deal. 

Moreover, Citibank held me on the line for 1 hour and 36 minutes saying they were trying to figure out why the wires did not go through while we were in the title company, and then hung up.
Product: Debt collection

I have made several attempts on my own to reach a understanding of the additional fees accumulating on my account and was unsuccessful. In XX/XX/XXXX, I asked an attorney to assist with reaching a resolution. The attorney sent a letter and was able to get a full detailed record of the account in XX/XX/XXXX but was unable to get a response to the request to explain the fees, which was the original request. The attorney representing me was referred to a attorney at XXXX XXXX XXXX and she was told they have only two attorney 's and they would get back to my representative as soon as they can. As of today, my attorney has followed-up with several phone calls and no return call or letter response received. I would like to reach a resolution for this account but unable to get answers from anyone. Its been more than six months and we have not been able to talk to someone.
Product: Debt collection

On XX/XX/2021 at or around XXXX XXXX I got a phone call from Atlantic Recovery Systems from a guy named XXXX XXXX, when I answered he asked me was he speaking with XXXX XXXX I said yes, additionally asked if I received a paper from them I said no. How I know this is because I have i formed delivery that comes to my email everyday to see what I get In the mail. He then says the amount He then proceeds to say well youre getting free money from the government. I told him it wasnt free money and told him to do better. He said do better well Im trying to help you. He tried to guilt trip me he was very rude towards me. To top it off never gave me a chance to even set up anything instead said he was going to mark it down as if I stated I wasnt going to pay. Never verbally said anything of that nature. This guy harrassed me and talked super nasty toward me. If you look at the review on their page Im not the first one with this experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. Unauthorized inquiries on my credit report on XXXX, XXXX, and Experian. I can only provide images of XXXX, and XXXX inquiries. 2. Remove any address on file other than XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX 3.  Remove any other social security numbers that is associated with my credit file other than XXXX 4. Remove XXXX XXXX XXXX XXXX off of my credit report for jobs. Remove any salaries and please update all correct information. 5. Remove any other names other than XXXX XXXX. Please update 6. Correct all of the errors
Product: Vehicle loan or lease

I recently issued a complaint through the CFBP regarding an unauthorized repossession that took place on XX/XX/XXXX. I just received a response back from the alleged lender ( TD AUTO FINANCE ) stating that they in fact had a right to repossess the vehicle because I granted them Security Interest and Power of Attorney when signing the retail installment sale contract. When full payment was tendered to TD AUTO FINANCE on XX/XX/XXXX, there were additional supporting documents. Two documents that were included in that emailing were, a " Rescission of Security Interest '' and " Revocation of Power of Attorney ''. These notice removed TD AUTO FINANCES ' right/authority to repossess, interest in dividend payments, claim in security ( Asset Backed Securities ) proceeds and any other benefits I unknowingly granted when signing the contract. As a consumer I have a right to revoke and rescind my signature when there is a misrepresentation and/or omission of facts. I have attached copies of the two documents listed above that were sent to TD AUTO FINANCE on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite several written requests, the ITEMS stated below continue to appear on my credit report, which is a violation of the FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i, within the time frame specified by law, they failed to adequately investigate the situation by using a third party as their verification source, and they continued to report unconfirmed and unverified information. Given my attempts to address it directly with three CREDIT BUREAUS, they are intentionally negligent and in violation of federal statutes, and I require this situation to be resolved immediately. Please remove the following elements from my file : XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$18000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This company continues to report inaccurate information to the credit reporting agencies. I have sent several letters requesting physical evidence confirming that I owe the company such debt, specifically any paperwork with my signature agreeing to pay such debt. Their response is either copies of some statement with my name on it ( which can easily be made with PDF editing software ) or simply a letter stating that I have to provide evidence to support that they are reporting false information to the credit bureaus. The burden of proof is on them but they refuse to provide the documentation I requested claiming that they received an electronic file when the debt was purchased. This needs to stop! This company has made a mess of my life having false, unverified information on my credit reports which is causing me severe problems in obtaining credit with a lower APR, higher insurance premiums, possibly loosing job opportunities by not being able to obtain a security clearance.
Product: Credit reporting, credit repair services, or other personal consumer reports

ADVANCED RESOLUTION SERVICES , INC., a financial institution and credit reporting agency operating in commerce for profit by assuming the role of furnishing and reporting consumer data, has obtained possession of my personal identifying information from the data furnisher ( XXXX XXXX, XXXX ), and is now complicit in the willful act of engaging in UNAUTHORIZED USE of my personal identifying information by reporting and sharing the unauthorized information to various financial institutions absent my expressed written permission, consent, instruction, or authority. 

This unauthorized use of my personal identifying information constitutes " Identity Theft '' as defined by 12 CFR 1022.3 ( h ) and 17 CFR 248.201 ( b ) ( 9 ), and is in clear violation of 15 USC 1681b ( a ) ( 2 ) having no permissible purpose or authorization. Under the FCRA, Bankruptcies are to be EXCLUDED from a consumer report in accordance with 15 USC 1681c ( a ). ADVANCED RESOLUTION SERVICES , INC, acting as both a credit reporting agency and a financial institution, has a fiduciary obligation and responsibility to comply with the FCRA section 15 USC 1681c-2 ( a ) in the interest of the consumer by deleting the unauthorized information no later than 4 business days after receipt and delivery of the notice.

I demand this agency to cease furnishing the information provided below in respect of my right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2016 XX/XX/2016 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Grettings, I have a problem with my credit report, because I was disputing all my errors and the credit bureaus didn't remove them. I sent 4 rounds to all the credit bureaus such as : XXXX, XXXX  and Experian, but they didn't answer me. I want to remove the inaccuracies, inquieries that I don't authorized them, and negative accounts.
Product: Checking or savings account

Being charged overdraft fees when Im enrolled in overdraft protection with navy federal credit union