23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX, XXXX XXXX   and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary XXXX score has gone too far, including but not limited to XXXX   XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Debt collection

Wells Fargo have called me everyday for the past year! I'm done with it. If you have a lawyer to offer me that would be great!
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. 

XXXX : # XXXX, XXXX : # XXXX, XXXX  : # XXXX, 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 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: Credit card

A application was made and a hard inquire is now reporting., My credit which I was extending to the agency denied my application which is a violation of 15 USC 1602 ( 1 ) whereas I am the true lender. This is also a violation with TILA. Every credit extension comes from my SS #. Under 12 CFR 1002 reg B promote the availability of all credit worthy applicants without discrimination. I also made prior requests before this complaint for necessary forms and documentation that demonstrated American Express followed all FCRA and TILA Rules which they have not provided in second denial.
Product: Bank account or service

PNC manipulated the order in which they processed transactions in order to gain fees they were not due. They then refused to refund the insufficient funds applied on an account which had not overdrawn at all. They cited XXXX instances where they refunded fees. Once was because my husband 's payroll check company changed and they did not notify us until the Tuesday before and it was too late to cancel bills which were scheduled. I was very grateful they overturned that charge. The second time we were overdrawn by XXXX. I did not request they reverse the charges, they did it on their own. The entire correspondence is documented and will be attached.
Product: Checking or savings account

On XX/XX/2023 I disputed a visa debit card transaction with Chase on my personal checking account for {$300.00} charged to my account on XX/XX/2023 " XXXX XXXX XXXX XXXX XXXXXXXX FL '' I have never been to this place, nor have I ever used my card to pay them nor received services from them. 

On XX/XX/2023 Chase wrote back and stated the transaction was authorized per their research. 

on XX/XX/2023 I called and spoke to Account Supervisor " XXXX '' who stated they belive the charge is authorized as the chip was in place and the PIN was used. 

I asked for a further review. XXXX refused and denied my claim. 

There is no way I made this transaction. 

I have had my card in my possession at all times. It has since been canceled and replaced.
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. 
XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXXXXXX XXXX # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX # XXXX XXXX XXXX has violated my rights. 
XXXX XXXX  : XXXX XXXX XXXX via XXXX Credit Bureau, has violated my rights. 
XXXXXXXX XXXXt : XXXX XXXX, has violated my rights. 
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 an account without any written instructions.

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

tried transfering some of my points to an XXXX XXXX XXXX The website said i had to go through a phone verification, but it didn't work, so it said to call in to fix. 

I called to get help, but they said that that they can't verify my account to transfer the points out since my phone number is part of a family account and in my mother 's name. I asked if i can transfer the points over the phone and they said they can't get past this. They told me to try redeeming other ways like to redeem for gift cards etc. 

Issue is that I specifically got this card to be able to access XXXX XXXX. This is how the card is advertised. It never stated anywhere on their website that in order to transfer points out, I would need to have a cellphone account in my personal name. The fact that they offer no alternative to verification like perhaps uploading gov id, provide an SSN etc, appears to be a significant misrepresentation of the product being offered and creates an undue burden. I am sure that i am not the only person in the XXXX that has a phone as part of a family plan where the phone is not in their name.
Product: Credit card

CREDIT CARDS FRAUD OPENED BY SOMEONE FROM A DIFFERENT ADDRESS AND PHONE NUMBER ACCESSING MY PERSONAL INFORMATION SUCH AS SS # .ETC. 
AND ISSUING A CREDIT CARD WITH OUT MY KNOWLEDGE!
Product: Checking or savings account

SINCE XX/XX/year> I HAVE BEEN BEING CHARGED MULTIPLE TIMES FROM DIFFERNT MERCHANTS FOR TRANSACTIONS OR SUBCRIPTIONS I DO NOT HAVE. I HAVE DISPUTED THESE TRANACTIONS XXXX TIMES AND EVERY LAST ONE HAS BEEN DENIED EVERYTIME. I HAVE TOLD CHIE THEY ARE NOT MINE AND HAVE ASKED THEM TO BLOCK THEM FROMACCESSING MY ACCOUNT. THEY SAID I COULD NOT DO THAT, I AKSED THEM WHAT CAN I DO THEY AND THEY SHURG THEIR SHOULDERS AND KEEP LET THEM CHARGE MY ACCOUNT. I AM ON XXXX AND JUST XXXX XXXX XXXX I CAN NOT AFFORD TO LOSE XXXX OF DOLLARS BECUASE THESE PEOPLE WILL NOT STOP MERCHANTS FROM CHARGING ME. PERHAPS THEY CAN AFFORD FOR THAT TO HAPPEN BUT I CAN NOT. STILL TO THIS DAY I AM BEING CHARGED AND NOBODY AT THIS COMPANY WILL HELP ME.
Product: Credit card or prepaid card

On XX/XX/2019. There was an allocation of funds in the amount of XXXX from my XXXX card into my bank. The routing number was NOT to my bank. I have contacted the bank in which the way2go website reflected has having received the payment. They advised the payment was rejected and sent back. I have tried multiple times to contact the way2go program card with no luck to find out where the money is currently sitting. I am unable to get in touch with a representative to solve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok XXXXncome. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Debt collection

XXXX XXXX continues to call me. I owe around {$480.00} on a credit card debt and the debt has been passed to them. As of and including today, XX/XX/2018, they have called at least once if not more every single day. I requested they communicate only through mail. They have not complied. I requested they stop contacting me, and that further contact would be considered harassment. They attempted to tell me they could call any time they wished and that it wasnt harassment. I also have been unable to get any information on disputing the debt from them, they will not provide it.
Product: Debt collection

I get continued calls from debt XXXX XXXX XXXX, under my then married name XXXX. I am already paying one collection company and I don't believe there is anything else. I don't answer there calls just block. Now they have started calling my husband 's phone. The repeated phone calls drive me a bit crazy, please help. I believe it's Discover card.
Product: Credit reporting 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. 

Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23, XXXX XXXX sent me a notification about credit inquiries from XXXX XXXX Someone fraudulently applied for credit cards for Buckle, Game Stop, XXXX XXXX, and XXXX XXXX. 

I have called Equifax and XXXX XXXX  about the issue and so far the fraudulent activity remains on my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using zelle numerous times and reporting discrepancies, myXX/XX/XXXXand Zelle failed to investigate my claims adequately. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
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. 

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 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: Mortgage

I took Wells Fargo mortgages to court over 3 years ago and they still have not applied my payments correctly. The judge had to call Wells Fargo every month from I beleive if was from XXXX XXXX thru XXXX XXXX to get Wells Fargo to follow the stipulations on judge XXXX 's decree in my favor. Finally on XXXX XXXX they said they did everything the judge told hem to do. 
They did not do what the judge told them to do. For he next 3 years they have not applied my payments to my account. I have made my payments according to the judges decree. I 've made my payments, when I make my payments and let 's say for example my payment coupon/statement would say I am XXXX in arrears, I make my payment and it now says I am XXXX in arrears even though I just made a XXXX $ mortgage payment. My decree states that from this point forward that I XXXX XXXX will XXXX my payments as such : there is no balance plus payments to be paid, just my payments. 

Ive called Wells Fargo and the open a resolution, but every time they send me back a list of all payments received which does not include all of my checks received : I provides them proof of all my payments and they just aend me their itemized liar XXXX payment received and then they close my case. They do not even look at what the judge has decreed. They just throw if write back at me when the judge had to keep calling Wells Fargo dos 3 months for them to get their act together : I then reopened my lawsuit with Wells Fargo and the judge order them to lay me XXXX $ this was XXXX $ for each of my XXXX loans. 

I finally ended up doing a loan mod on XXXX of my loans and they again tried to foreclose on my home even though I made all of my payments. Now they are trunk to foreclose on my rental property. Wells Fargo does not follow judges order and they take no responsibility for their actions. 

XXXX of the things Wells Fargo responded was that payments were to begin on XXXX XXXX for both my properties. Actually the court documents state payments are to begin XXXX XXXX. I had started an inquiry in XXXX XXXX I beleive and every 2 weeks I received a new letter stating they needed more time to investigate this went on for over 6 months
Product: Money transfer, virtual currency, or money service

I am wiriting to formally express concerns regarding Zelles handlings of disputes, particularly in light of the recent cfpb lawsuits highlighting issues. despite using Zelle many times and reporting discrepancies my financial institutions and Zelle failed to investigate my claims. they advised recovering my loss was impossible and they couldnt track the transactions. CFPBs finding found Zelle has not only neglected to protect consumers but also allowed repeated offenders to exploit the system and leaving users vulnerable, e to scams and identity theft. The lack of accountability and transparency raises concerns about consumers safety.
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. 
Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : US DEPT OF EDXXXX Account Number : XXXX Account name : XXXX XXXX XXXXXXXX XXXXXXXX XXXX Account Number : 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: Debt collection

On XX/XX/XXXX I, became a XXXX XXXX for XXXX. XXXX. In order to gain employment with XXXX XXXXXXXX, I signed an employment for one year with XXXX XXXXXXXX. The contract stipulates that XXXX. XXXX pay loan to XXXX XXXX for to go to trucking school. On XX/XX/XXXX, I was promoted to XXXX and left to go home to take a break after being on the road for nearly three months. XXXX XXXXXXXX did not allow me to come back to work. Also, XXXX XXXXXXXX stopped paying the loan in XX/XX/XXXX. 
XXXX XXXXXXXX claimed that XXXX quit, even though I wanted to come back to work. My former employer left me with a huge bill to pay with no explanation. I consulted a lawyer, and he told me that XXXX. XXXX breached the contract. I am now left with a nearly {$10000.00} to pay back if justice is not given to me.
Product: Vehicle loan or lease

My car was repo on Thursday from my job I had not received notice that US Auto had sold my info to Westlake Portfolio no one has sent me a letter or even call me. But still u can come on my job and take a car on Private property and not contact the owner about working out a discussion to clear this mess. Right now either I do a XXXX XXXX  or try to sue or buy another one. How hard is it to call or drop a letter I have not heard from a soul what can.I do. Please give so kind of insight here XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

How come that XXXX  reports multiple CO in 24 months yet XXXX is all OK? Also different dates declared in Date last active. This is a shady report. Please re investigate or remove this from my credit file.
Product: Credit reporting or other personal consumer reports

I viewed my credit report and noticed that there are fraudulent accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

THERE IS A BUNCH OF INFORMATION ON MY REPORT THAT IS FRAUD! EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, INCOMPLETE REPORTING OR REPORTING OF UNVERIFIABLE INFORMATION. PLEASE CORRECT AND REMOVE THIS FROM MY CREDIT REPORT.XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX
Product: Vehicle loan or lease

after being lead to believe we had a verbal agreement with Santander Consumer USA Bank on the amount 0f XXXX in monies put on a account with XXXX XXXX  for future monthly payments on the phone ; Santander Consumer USA repossessed my XXXX XXXX XXXX Vehicle on XX/XX/XXXX then on XXXX i made a payment through my son XXXX XXXX account of XXXX dollars then afterwards my son put another payment of XXXX which that would clear up any monies owed to the debt and still as of today Santander Consumer USA had not even released a letter of redemption ..
Product: Checking or savings account

XXXX XXXX received payment of {$290.00} from the federal government onXX/XX/XXXX,  from a deposit made onXX/XX/XXXX. XXXX XXXX then held the funds untilXX/XX/XXXX before releasing to customer. Banks are required to pay interest on monies received and held before release so banks are discourage from floating funds received they are unreasonably holding from customers. It is the responsibility of banks to know when funds clear, and then to release those funds or compensate customers fairly for holding funds for profit. 

I would like to be compensated fairly for XXXX XXXX negating their banking responsibilities ; responsibilities they not only have to me but have to their other customers as well, and when given class action status would be a substantial amount.
Product: Money transfer, virtual currency, or money service

On XXXX XXXX, 2019, I got scammed from a person named XXXX XXXX in XXXX asking me my account information to transfer {$490.00} through my WellsFaro banking account. 

After I realize its a scam, I contact Wells Fargo, however, they were unwilling to help and reverse the transaction of {$490.00} for me.