23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Re : Safe-Deposit Box # XXXX Wells Fargo Bank, XXXX SUMMARY Wells Fargo refuses to refund my safe-deposit box fee, promised to me by customer service in a XXXX, XXXX recorded phone-conversation. Nine months of prorated rent should have been recompensed to me ; however, I received no promised return calls or communication on the subject -- in any manner. 

OUTLINE I. On XX/XX/XXXX ... I rented a safe-deposit box from Wells Fargo in XXXX, NJ XXXX ... : In XXXX of XXXX, I called Wells Fargo to inquire about when the rental payment was due for that year ; I wanted to decide if I needed to keep it open, as I was moving out of state. 

A. The rep told me not to worry -- that I could close the box before the annual rental date -- and get a refund for the unused months. Therefore, I decided to pay the year on that box, in case I needed to store something in it temporarily, before my out-of-state move. ( This was an as-usual recorded conversation. ) 1. I did not have to use the box after all ; in addition, that box was empty the entire time I was renting it out. When I visited the office to close the box, I asked when/how I would receive my three-quarters ' of a year 's worth of prorated refund : The teller told me that I had no right to a refund?! 

i. Though I argued with her, she advised me to keep it open " temporarily '' -- and call customer service to resolve the issue. After many days of calls and promises ... customer service never attempted to resolved the issue in any way ; never returned my many-many calls or followed up on this theft. To date, nothing has been done to remedy the problem. ( This was an effort of weeks during a time I was under undue burden from a traumatizing move. ) LEGAL BREACH II. This was a verbal contract, that they know existed from listening to the customer-service calls back in XXXX : Wells Fargo is fraudulently keeping what was about {$130.00} of my refund -- without so much as a phone call to deny my legal request for reparation of those funds. 

B. I now live in XXXX XXXX and still am stuck with the keys to an empty safe deposit box : Though I changed my mailing address at the bank location, I just discovered NO ONE updated the information on my account ; this means, they have been sending my statements to my old address -- where a greedy land baron now resides. 

C. The way it stands : Wells Fargo is keeping my promised refund, which is a breach of a verbal contract. It is a bank, so they are greedy by definition.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have four Fed Tax Liens listed on my TransUnion credit report. I have copies of all four tax lines and none of them have my birthday listed or my full social security number. They were filed in the wrong county also. I reported a dispute with TransUnion and was reported the information was accurate. I do not know how they see this as accurate without the required information.
Product: Credit reporting or other personal consumer reports

ive been using a credit repair company for XXXX months now and i have also sent my own letters to transunion and i got a letter from them today XX/XX/year> basically stating i need to validate myself and my credit repair company i called them and got nowhere i think this is bs that any credit card company or debt collector can report negative items on my report but when i attempt to dispute them myself or with a third party company i get questioned and have to validate my identity when these companies have to validate very little to report to the bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed bankruptcy in XXXX of XXXX XXXX XX/XX/2019 why is onemain still on my credit report when l include them in my bankruptcy.they already mailed my title to vehicle.
Product: Credit card

I submitted a request to consolidate my XXXX credit cards and lines and Chase is unwilling to combine my credit lines. There is no reason why they ca n't do it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXDEPT OF ED XXXX XXXXDOFED XXXX XXXXDOFED XXXX XXXX
Product: Checking or savings account

I have checking and savings accounts with BMO Harris, which I rarely interact with. Had around $ XXXX {$700.00} balance in both accounts combined. My accounts were no maintenance fee accounts. Hence, I was not concerned with putting more money in the account. BMO Harris decided to add a minimum balance requirement and change the fee structure of the accounts and started charging me monthly maintenance fees without due notification. I was told that it was disclosed as a statement message. I decided to close my accounts. I called multiple times to BMO Harris and tried to close my accounts - they closed my checking account with one representative warning me that the account will be closed but might reopen on its own if a transaction posts to the account and would result in overdraft fees which I will be liable to pay. To which I asked the representative to make sure no transaction posts/decline all transactions - I was told that it can not be done, I am responsible to make sure no transaction can post to the account.

My savings accounts with a balance of around {$300.00} was not closed, and then, I realized there was a debit transaction equal to balance, that made the account balance XXXX. When I called for asking what this transaction was, I was told I failed verification, I was told they sent me a text to my mobile phone for verification, which I never received. I asked the them to resend the text, which they declined saying its a one time thing regardless of why the text message could have failed to deliver. Now I am being asked to go to a notary and get my id verified. I can not expose myself to COVID trying to get my id notarized.
Product: Money transfer, virtual currency, or money service

I was buying a a puppy that was online and they required me to pay {$200.00} through PayPal and I try to cancel it was a scam I tried to get PayPal to refund my money and they refuse not to saying that he was a friend or relative and I did not know him or anyting and it was a puppy scam and I actually text to see if he would refund the money and he wouldn't so I try to work things out with him and he didn't want to do that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to fix these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I have made three complaints about XXXX XXXX XXXX. They continue to state that they 've tried to reach me by phone. I HAVE ASKED THEM THREE TIMES VIA U.S. MAIL TO MAKE A COUNTER OFFER IN THE MAIL. I WILL NOT CALL THEIR OFFICE AS THEY STATE BECAUSE I AM COMPLETE FEAR OF THREATS, BULLYING AND DERRAGATORY REMARKS FROM STAFF AND XXXX XXXX. WHEN THEY WANT TO THREATEN ME WITH A GARNISHMENT OR A NOTICE OF EXECUTE IT 'S FUNNY THAT THEY SEEM TO HAVE MY ADDRESS FOR THAT. I AM ATTACHING ANOTHER LETTER TO THEM DATED XX/XX/XXXX-17 MAKING ANOTHER OFFER. I WANT TO SETTLE THIS BILL. I 'VE MADE SEVERAL ATTEMPTS AND THEY KEEP SAYING THEY TRIED TO REACH ME BY PHONE. I HAVE REPEATEDLY ASKED THEM TO COUNTER IN WRITING AND THEY REFUSE. I THINK THEY ARE IN THE BUSINESS OF HARASSMENT. I WILL EXPECT A LETTER FROM THEM WHEN THEY RECEIVE THIS SIGNATURE REQUIRED OFFER FROM ME. MY INCOME IS COMPLETELY EXEMPT AS IT IS SOLELY SOCIAL SECURITY. THEY HAVE TRIED TO STEAL THIS FROM ME AND IT IS ILLEGAL. I AM GIVING THEM A THIRD OPPORTUNITY TO SETTLE THIS BILL.
Product: Mortgage

In 2005 I refinanced my home with a interest only loan. The terms were 10 years interest only at 5.5 % what I did n't realize was that after the 10 yea years it turned into a 5 year loan at 5.5 %. My payment has gone from {$1800.00} per month to {$5900.00} per month. I had figured out what was happ- ening two years ago. My mortgage is with Wells Fargo and is serviced by XXXX America 's servicing Co . So in the last 2 years I have made numerous attempts to refinance and or modify. Wells Fargo rejected me twice for the mod after lengthy processes saying I was not in financial distress and suggested being delinquent for 3 months which I refused to do. 
have also tried to refi with them 4 times and was rejected because of income. Unfortunately my son XXXX 3 years ago and I stopped working for a year and a half. So being self employed they need 2 years of income history to refi. Is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already sent a letter to XXXX, Equifax, and XXXX Credit Bureaus on XX/XX/XXXX, requesting verification and deletion of fraudulent information found on my credit file. After reviewing an updated copy of my credit report, I noticed that most of the fraudulent items are still being reported. Despite waiting for a response from the credit bureaus, I have not received anything. The three Credit Bureaus have failed to comply with the Fair Credit Reporting Act, specifically 15 USC sections 1681i, within the legally mandated timeframe. Their continued reporting of unconfirmed information, despite my attempts to address the issue directly with the creditor, can be considered willful negligence and non-compliance with federal statutes. I kindly request the complete removal of the following items from my Credit Reports : XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} EQUIFAX MORTGAGE SERVI XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXX XX/XX/XXXX. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score. I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution.
Product: Mortgage

Age discrimination Was told my payment can not be lowered because in XXXX, twenty years from now I will be dead Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I took the proper steps to get these accounts deleted. 

XX/XX/XXXX {$0.00} XX/XX/XXXX {$7400.00} XX/XX/XXXX {$9200.00} XX/XX/XXXX {$440.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$30000.00}
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 XXXX XXXX XXXX. 
EQUIFAX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # ending in XXXX. No full number shows on the report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX ACCT # ending in XXXX. No full number shows on the report. 

XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No full number shows on the report. 
All above have violated my rights. I am respectfully requesting the removal of the negative information from my credit report to all three reporting agencies. 
XXXX XXXX XXXX XXXX XXXX  A states I have a right to privacy. 
XXXX XXXX XXXXXXXX XXXX XXXX A states a consumer reporting agency can not furnish an account without my written instructions. 
XXXX XXXX XXXX ( a ) ( XXXX ) section states no consumer reporting agency may make any of the following items of information or any other adverse items of information, other than records of convictions of crimes which antedates the report by more than XXXXXXXX XXXX. 
XXXX XXXX XXXXXXXX ( A ) ( XXXX ) 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

About 30 years ago I opened an account with overdraft protection with Wells Fargo Bank. 
Last year there was a overdraft on a check. The Bank never told me they were opening a credit card account for that overdraft. that was charging the maximum amount on the overdraft, interest and fees. A statement came in the mail about two weeks ago ( the only one sent ) saying we owe almost 2400.00 dollars to the Wells Fargo credit account which I didn't know about. The bank was doing automatic transfers out of our account to the credit card until now. I talked to a XXXX XXXX in Customer Service about this and he asked didn't Wells Fargo Bank tell you that they were opening and account in your name? XXXX was not aware of this account until now. XXXX XXXX told my husband and me that someone will call us tomorrow from Wells Fargo credit card. I talked to XXXX XXXX XXXX @ XXXX She Opened up a claim on XX/XX/2018 The claim was about this account my wife was not aware of. XXXX XXXX XXXX said she would get back to my wife and with the decision tomorrow. That XXXX XXXX XXXX would call by noon. But I was anxious after XXXX XXXX came and went. I called and a XXXX XXXX answered the phone saying XXXX XXXX was out for the day. XXXX XXXX said call on Monday.
Product: Credit reporting, credit repair services, or other personal consumer reports

hi transunionhas a 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 XXXX transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a Bum. 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 transunion 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 income. Social Security. Something is wrong with Transunion. 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe depression and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.
Product: Checking or savings account

I have a couple of cases # XXXX for {$1600.00} my wallet was stolen then somebody use my checking to make purchases and withdraw money on the back of my cards I write my pin and phone number so I can remember. So I called to cancel once found out. Then right after I guess they took my credit builder card also because it was in my wallet both have the pins on sticky notes on the back of the card. Cases # XXXX # XXXX # XXXX # XXXX # XXXX # XXXX they was all atm withdrawals from that card. I cancel both cards now and I just want my money back. {$1700.00}. I need to pay bills please help.
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 XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name XXXX XXXX XXXX XXXX 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

There has been accounts that are not authorized under consent or any written instructed approved. I need these accounts deleted immediately. I am human. This is no 3rd party. I have filed FTC Report. 15 U.S. Code 1681b - Permissible purposes of consumer reports. Unauthorized Accounts : XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I became delinquent on a private student loan through College Ave Student Loans in XXXX and this resulted in a charge off of my account. The account was forwarded to a third party agency, XXXX XXXX, XXXX. I completed a settlement agreement with the agency for a total of {$8100.00} and a letter confirming the settlement was sent to me on XX/XX/XXXX. In XX/XX/XXXX, I discovered this was incorrect on my credit report and spoke to a College Ave representative and they informed me this would be corrected. On XX/XX/XXXX, my husband and I made the decision to review our credit reports and discovered the account was still reflecting as past due on both our XXXX and XXXX accounts, so we submitted disputes to both companies with a copy of the settlement letter. During the investigation, College Avenue stated the information they were reporting was correct and even changed the XXXX  report to reflect as a full balance of {$9300.00} was due, but only on my husband, XXXX XXXX XXXX report. I reached out to the bureaus to discuss and they informed me they can only report what the company provides them, regardless if my document provided proves otherwise. I reached out to College Ave Student Loans on XX/XX/XXXX and was informed they would investigate, but the account would reflect as open because it had become charged off, regardless of a settlement agreement. I disagreed with the representative and she informed me she would submit my account for review and return my call the following Monday, XX/XX/XXXX. I never received a phone call from the representative or College Ave.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting XXXX  XXXX acct # XXXX, XXXX  financial acct # XXXX, XXXX federal acct # XXXX, XXXX federalacct #, XXXX XXXX  acct # XXXX, XXXX XXXX  acct # XXXX, XXXX XXXX  acct # XXXX, w/f XXXX 's 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to REMOVE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unverified Account IC Systems To : Experian XX/XX/2025 Regarding : XXXX XXXX Account XXXX Dear Experian I am writing to formally dispute an inaccurate and unverified account that XXXX XXXX has placed on my credit report. I previously requested debt validation from XXXX XXXX, but they failed to provide proper verification of this debt. Instead, they only sent a generic bill, which does not satisfy the requirements of the Fair Credit Reporting Act ( FCRA ) or the Fair Debt Collection Practices Act ( FDCPA ).

Despite failing to validate the debt, XXXX XXXX re-reported the account on my credit file. This is a direct violation of my rights under 15 U.S.C. 1681s-2 ( b ) of the FCRA, which prohibits furnishing inaccurate or unverified information. 
Disputed Information : Creditor : XXXX XXXX Account Number:XXXX  Reason for Dispute : Failure to provide proper validation and reporting of unverified debt Requested Resolution : Because XXXX XXXX failed to validate this debt, I request that you immediately delete this account from my credit report. Under the FCRA, you must conduct a proper investigation and provide me with a written response regarding your findings.

Please send me written confirmation once this account is removed. If you fail to remove it, I will escalate this matter by filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office.

I appreciate your prompt attention to this matter.

Sincerely, XXXX XXXX XXXX XXXX