23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Transunion is reporting inaccurate and untimely reporting of my avant credit card account. This account payment is due on the first of each month and then reported to the credit agencies by the XXXX of each month and has been the case for the entire time. The current balance is {$290.00} and was paid on the XXXX of XXXX XXXX and should reflect new balance and payment.
Product: Checking or savings account

I TRIED TO TRANSFER MONEY FROM MY CITIBANK ACCELERATE ACCOUNT TO MY XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON XX/XX/2023. I MADE THE REQUEST AT THE CITIBANK ONLINE ACCOUNT. THE REFERENCE NUMBER WAS XXXX ON THE CONFIRMATION NOTICE. ON XX/XX/2023 I RECEIVED AN EMAIL THAT MY WIRE TRANSFER IS ON HOLD. I TELEPHONED XXXX AND SPOKE TO A XXXX NAMED XXXX AND HE SAID THE TRANSFER WOULD GO THROUGH AT XXXX XXXX  THAT DAY. ON XX/XX/2023 I RECEIVED AN EMAIL THAT MY WIRE TRANSFER WAS CANCELLED. I AGAIN REQUESTED A WIRE TRANSFER FOR THE FULL AMOUNT OF MY ACCOUNT. THE CONFIRMATION NO. WAS XXXX. ON XX/XX/2023 I RECEIVED AN EMAIL THE WIRE TRANSFER IS ON HOLD. I AGAIN TELEPHONE XXXX AND SPOKE TO XXXX ( XXXX ). SHE CONFIRMED MY INFORMATION AND TRANSFERRED ME TO XXXX IN FRAUD. I ANSWERED ALL HER QUESTIONS CORRECTLY BUT SHE REQUESTED SOMETHING ON MY CITIBANK DEBIT CARD. I COULD NOT UNDERSTAND WHAT SHE WAS REQUESTING SO SHE SAID MY WIRE TRANSFER WAS REJECTED AND SHE HUNG UP. I NEED THIS MONEY IN MY CHECKING ACCOUNT BECAUSE MY SON IS IN XXXX XXXX XXXX XXXX XXXX AND I NEED THE MONEY TO PAY MY BILLS.
Product: Vehicle loan or lease

I Need Westlake To Trade My Car In I Need A New Vehicle Asap I Have A Two Year Warranty I Have Been Trying To Get My Car Fixed For The Longest While XXXX XXXX XXXX Was Still in Business And when Westlake took over. I Have Been Having trouble With This Car Since I Bought It. i Tried To Trade My Vehicle In At A Dealership I Couldnt Do That Because Westlake / XXXX XXXX XXXX Have Not Report Any Of My Payments To The Credit Bureau so when I went in to dealership they said they could not do it because it will be like a ghost trade. the Car is not worth XXXXXXXX XXXX  which is the rest I owe on the vehicle. This Vehicle Is About To Go Out Very Soon And If Westlake Doesnt Provide A New Vehicle To Me Payments Will Be Stopped And They Will Not Receive Anymore Money From Me
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under -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: Bank account or service

This is previous case that I submitted which goes to show you that Wells Fargo was engaging I activities to block my refund because it was looking to make money and not give it away. Therefore, they violated visa policy of refunding charges for not receiving what you paid for within 60 days. I sent proof that what was done was already done and had to be done over after the company damaged my car even further to make money from me/  Please make them clear up my account .
Case number: XXXX

 



Back 



Status

   Response disputed   

WELLS FARGO BANK, NA said:
 Explanation of closure 
Please see attached response. Thank you. 
  


 Response 
Please see attached response. Thank you. 
  

What happened 

 Describe what happened so we can understand the issue... 
I went to XXXX to get an emission inspection for a XXXX Mercury Grand Marquis and a computer reset. State law requires the car to be driven before inspection w and the fact that it takes up to XXXX mile for the computer to reset and give a reading on passing or failing inspection. I had already had a diagnostic from XXXX saying that my  egr valve and spark plugs needed to be replaced which I had repaired XX/XX/XXXX and XX/XX/XXXX. Also, I bought a battery since it had a dead cell in it.  XXXX said that they had a dealer tag and would drive the XXXX miles needed to reset the computer which I was glad to pay for. Unfortunately, they did not drive the car because the odometer was the same XX/XX/XXXX as previous inspections XX/XX/XXXX. What they did do was damage my car so that they could use body parts from a Lincoln continental for repairs on my car and make  XXXX I told them that I would pick my car up, but I was 10 minutes late and XXXX threatened to leave. I quickly paid for the ticket XXXX without seeing the actual paper work because I was rushing to prevent the tow truck driver from leaving. I thought that they had driven the car, but when I went back the next day to get the repair ticket they had charged me for other services including the inspection but had not driven the car as I had requested. I told this to Wells Fargo who credited my visa debit card and a few months later charged it back . The told me that I needed a second opinion about repairs even though I gave them evidence of the previous inspection and the one done by XXXX. showing the exact same odometer readings the same on XX/XX/XXXX and a brochure from XXXX stating state law.  I gave them a letter from Sooner a car repair shop stating that driving the car had to be done in accordance to state law before inspection and they charged XXXX to  reset automobile computers on their machine.  Now my checking account is in collection with Wells Fargo who says I need a 2nd opinion to dispute a charge of not getting the services that I paid for which is a violation of the visa rules regarding purchases. I notified them the next day after I saw what I paid for on XX/XX/XXXX and paid for it on XX/XX/XXXX.
Product: Checking or savings account

I thin

k I was involved into check scam. the guy tend to be hiring manager and makes me believe I got a job. then send fake checks to me and ask me to withdraw cash and send to their vendor 's account. they say it is for the computer and software. I make the deposit because I think the bank can check whether it is real check or not. then the check is withdrawn by the bank. The check is fake, and I lost service fee. why bank close all my account. I called the bank but there is no explaination. I reported on ReportFraud.ftc.gov
Product: Credit reporting

on XXXX XXXX I checked my credit report, because I would like to buy a home soon and all of my inquires where off. and I went back to look again and now they are back which has dropped my score down
Product: Debt collection

Back in XXXX, I was down of luck guy in my early XXXX. while I was XXXX XXXX in the XXXX where I came across a business who does spiritual life counselling. Now me being nave guy back then, I was like 'Hmmm this sounds cool maybe ill get this a shot. '' So I called the number on the door and few minutes later a short lady named " XXXX '' came behind the parking lot. " XXXX '' was being too friendly than usual and referring to me as " son. '' I went to her sessions after work and talked about my life thinking she's legit while shelling hundreds and hundreds of dollars for her services thinking I have nothing but the benefit of the doubt with " XXXX ''. Things started getting suspicious slowly but surely. She was relocating from her XXXX office to XXXX and frequently disappearing from XXXX to XXXX XXXX where she has close family very often. In XX/XX/, I've reunited with her where she was pulling that act that she's my mom. I went along with it but things went south fast. She put XXXX XXXX XXXX account under my name thinking she's got the funds to paid for it and it'll help boost my credit score. During XXXX  wasn't good year for me. " XXXX '' kept gaslighting and swindling more money for her services during that time thinking my life will improve. I've became increasingly irritated and realizing this isn't adding up. So around XXXX of XXXX, I started to get collection notices for XXXX XXXX XXXX bill, utility bill, etc. which she didn't pay a dime over. Also " XXXX '' got arrested in XXXX, Wa over another identity crime and haven't heard or seen her since XX/XX/2018.
Product: Credit card or prepaid card

Applied for US Bank XXXX XXXX XXXX XXXX XXXX. 

The card requires that you have a prior relationship with US Bank so I opened up a CD. 

Following opening up a CD I applied for the card. 

My application was denied. I met all the stated underwriting criteria. When I called card services I was told I had to have an account for at least 5 days prior to applying for this card. I asked how was I expected to know that. The representative indicated that they thought it was in one of the disclosures but was unable to provide me the specific reference. 

I informed the representative that the denial letter stated three possible reasons none of which included length of relationship with US Bank. The representative told me that the denial letter is always the same and not to worry. 

The card services representative informed me that I could have a banker from a branch to call to have the application reviewed and that could take XXXX days. I have heard nothing since. 

The incorrect reason for denial of credit, and the lack of transparency on what exactly is required to qualify is frustrating. While I have been told verbally that I would be approved. The lack of effort to help resolve my concerns throughout the organization was frustrating. 

The process was opaque, the denial reason inaccurate. All I am looking for is for US Bank to provide prospective customers clear underwriting criteria and accurate denial letters if a credit application is denied.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are incorrectly reporting a collection in the amount of {$17000.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page 15 of the attached credit report. ) This is a duplicate reporting of a third party collection. This item is also being reported on page 9 of the attached credit report. This duplicate reporting is a violation of the Fair Credit Reporting Act and is harming my credit score. These  collection line items need to be removed from my credit report. I have contacted the bureaus to fix this issue, but I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXXBalance : {$0.00} XXXX XXXX  XXXXBalance : {$0.00} XXXX XXXX  XXXXBalance : {$0.00} XXXX XXXX  XXXXBalance : {$0.00} XXXX XXXX  XXXXBalance : {$0.00} XXXX XXXX  XXXXBalance : {$0.00} XXXX XXXX XXXX Balance : {$16000.00}
Product: Credit card

On XX/XX/year>, I received an email from PayPal claiming that I paid {$240.00} to XXXX and an email from XXXX saying that I bought a ticket to a football game across the country. I am not the one that purchased these tickets. I was at work, and I don't like football. Nobody else uses or knows the information to my account. My accounts were hacked, as this is the 2nd time in a few months that my PayPal account was hacked. 

I also received a Fraud Alert text from Paypal, and I responded that I was not the one making that purchase. They responded and said they declined the transaction. I immediately changed the passwords on my PayPal and XXXX accounts. I also disputed the transaction with PayPal immediately. They took multiple days to reply, but they declined to refund me for the purchase and it is still on my PayPal credit card. 

I also have gone to XXXX with this directly 6 days ago and have yet to get a response. 

I absolutely demand that I get refunded for this purchase that I didn't make,
Product: Credit reporting or other personal consumer reports

My student loans were transferred from XXXX to XXXX in XX/XX/2023, yet XXXX continues to report my accounts as " open '' to the credit reporting agencies. As a result, XXXX is reporting my " Total Debt '' as almost XXXX  the amount it actually is. 

I contacted XXXX several weeks ago to complain and was told the accounts would be updated to show that they had been transferred to XXXX. That didn't happen. 

I then complained to CFPB. XXXX responded to the complaint to say that they were waiting for XXXX to remove a " suppression '' from my account. 

Meanwhile, I disputed the XXXX accounts with XXXX. Not only did XXXX *not* update my accounts, they INCREASED THE BALANCES!!! Out of spite? Thanks, " XXXX XXXX, '' whoever you are.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Karma is consistently pulling soft pulls on my credit profile without my consent. This is a violation of my consumer right to privacy. I was not asked, nor have I signed anything authorizing them to do such. Below is the evidence of all the data pulled from Credit Karma. For what purpose was my credit pulled? I would like to see the document in writing that I gave them authorization to continually pull my soft credit.

CREDIT KARMA Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Notice to XXXX XXXX From : XXXX Tavern XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XXXX and Desist Demand Regarding Account No. XXXX Dear XXXX XXXX I am writing to formally request that you cease and desist all actions regarding my account numbered XXXX. This request is made under the Fair Debt Collection Practices Act ( FDCPA ), specifically under 15 USC 1692 ( a ) ( B ).

Cease and Desist Demand : Reporting or Sharing Information : I request that you immediately cease and desist from reporting or sharing any information related to this account or debt under my personal information with any third parties, including but not limited to credit reporting agencies.

Collection Activities : You are also required to stop engaging in any further collection activities that may violate the provisions of 15 USC 1692 ( a ). This law prohibits abusive, deceptive, or unfair debt collection practices.

Please be advised that failure to comply with this demand will constitute a violation of federal law and may result in legal action against your company. 
I expect your prompt attention to this matter and look forward to your written confirmation that you have complied with my requests. 
Thank you for your immediate attention to this urgent matter. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 4th endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/2020 a phone scammer convinced me to purchase a " refundable '' {$500.00} XXXX gift card to fix a " bogus '' computer hack. When the person asked for the gift card number, I refused to give it and realized it was a scam and immediately hung up and called my Chase card. The female Chase representative 1 ) assured me that I would not be responsible for the charge ; 2 ) said they couldn't stop the charge but I could dispute it when it posted ; and most importantly 3 ) she provided me a phone number for XXXX to call to have the charge credited. I called the number the Chase representative gave me and the person on the phone acknowledged the scam, promised the {$500.00} credit and provided me a case number : XXXX. However, the account was never credited. On XX/XX/2020 I noticed the charge but not the credit on my statement and I called Chase and they said XXXX didn't credit the account. I was advised to dispute the charges. 

I then called the number for Apple that I found on my credit card statement and learned from the real Apple that the previous case number and phone number I received from Chase was not for XXXX at all but was in fact part of the scam. XXXX acknowledged that the funds had been drained from the {$500.00} gift card and provided me with a real case number : XXXX. I also reported the crime to the Federal Trade Commission : Report # XXXX. 

Armed with all this information, I wrote and sent my dispute letter to Chase Freedom XXXX on XX/XX/2020. The disputed charge remained on my account and until my most recent statement I was not charged interest on the {$500.00}. This month, Chase began charging me interest and I called. I spoke to a dispute representative and then a supervisor named " XXXX ''. Neither would budge despite the fact that it was Chase who gave me the phone number of a bogus XXXX scammer who only continued the scam. I pointed this out to the representative and was met with deafness. I pointed out that the only beneficiaries of the scam were the scammer and Chase itself. 

I called the Chase complaint line to obtain satisfaction and again was told that I had to pay the charge despite everything. When I reiterated that it was Chase who provided me with the fake XXXX number for an immediate credit, the representative got irritated and hung up on me. I don't think it is right for Chase to benefit from the scam, especially after they provided me with a bogus phone number to obtain a credit. 

I have attached a copy of my dispute letter, my credit card statement with the XXXX charge, my credit card statement with the interest charge, and my complaint to the FTC. 

I do not want to pay the {$500.00} as I believe consumers should be protected by their credit card companies and benefiting and even aiding in the theft. 

If this happened to me, I wonder how many others have this experience but are unwilling to put in the hours of effort and frustration it takes to get this resolved. 

Please help!!!!! 

Sincerely, XXXX XXXX. XXXX
Product: Checking or savings account

Previous complaint # XXXX.I need a disclosure, ,something from usaa showing the rules of Membership. All I have is their word. Why can't they use my SS? According to my Credit Union I can close my account, they too have to keep records but my Membership is closed. USAA is refusing to reply to the Arkansas Attorney Generals Office as well as to my messages. No doubt they are hiding something. Can they legally keep my Membership open? On my original complaint I still had a account, now everything is closed. Just use my SS and close my Membership. I don't like usaa, they don't like me. Let 's end this now and I'll be happy. Please send my complaint to someone higher than the person that replied earlier. Thanks, XXXX