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

Our accounts were opened in XXXX of XXXX at a Wells Fargo Branch in XXXX PA. The accounts we opened were a checking account and a savings account and the savings account would be accessed if the checking account was overdrawn and we would be charged a {$12.00} fee for these overdrafts. These accounts were maintained until XX/XX/XXXX when Wells Fargo arbitrarily closed the savings account. This action resulted in an increase to {$35.00} for each overdraft transaction. 
What we are disputing today is : why Wells Fargo closed the savings account resulting in us paying higher fees than we would have been charged if the account remained open. 
This complaint is also being filed because of the fees currently being charged to the checking account that is still open. For this checking account we access the account information through a Wells Fargo banking app which we check to ensure that the balance in the account is sufficient to cover pending and future transactions. Even though Wells Fargos mobile app would consistently show we had sufficient funds to cover pending and anticipated transactions, when these transactions were processed by Wells Fargo the result was us being charged overdraft fees to the checking account. 
This activity occurred over an extended period of time which led to a visit by us to a local Wells Fargo branch to get an explanation as to what was causing the fees to be charged when the mobile app showed sufficient funds to cover these transactions. No explanation was provided at that time as the branch associate could not explain why the fees were being charged. The fees were reversed that day, however, the next day additional fees were charged against the account. We returned to the branch with the same questions and the manager called another area of Wells Fargo for an explanation. The manager was told that the information in the mobile app did not reflect current information and was inconsistent with internal account information. 
Following that inquiry, Wells Fargo began to charge us NSF fees on top of the overdraft fees as well. Based on what has occurred with this account we believe 1 ; Wells Fargo purposely closed the savings account in order to charge higher fees for overdrafts and 2 ; Wells Fargo knew the information in their mobile app did not match their internal information and intentionally used that knowledge to charge additional fees as well. 
These deceptive actions by Wells Fargo has cost us thousands of dollars in fees which we believe should be refunded to us. We believe, Wells Fargos arbitrary actions to close our savings account was done to charge us higher fees. We also believe, Wells Fargo was also aware of the inconsistency of the information in their mobile app and internal account information but continued to charge us fees based on this inconsistency of information. 
After numerous attempts to resolve these issues with Wells Fargo we are writing this complaint with the hope that these practices would be investigated and brought to light and that the fees charged would be refunded to us. Attached you would find records of fee activity showing fees charged.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency of - ( XXXX ) appropriate proof of the Identity of the consumer : ( XXXX ) a copy of an identity theft report : ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).
Product: Debt collection

I originally owed a debt of {$5000.00} to XXXX XXXX XXXX XXXX, for the repossession of a vehicle. My wages started being garnished by Hiday & Ricke, PA. in XX/XX/2011. I went to court and agreed to allow them to garnish {$100.00} per month, which is what I could afford at the time. I am a single mother of XXXX. Since I have contacted Hiday & Ricke, PA on several occasions via phone and e-mail requesting that due to my financial situation I need to decrease the amount being garnished. I was advised that they were unable to do that. I then requested for the garnishment to stop, again I was advised that they were unable to do that and my only option was to offer an amount to settle. The debt was originally {$5000.00} since being turned over to Hiday & Ricke , P.A . it was {$13000.00} as of XX/XX/2011. Since that time the debt has only decreased by about {$2000.00} because interest continues to accrue. I want Hiday & Ricke, P.A., stop garnishment and attempt to work out a payment plan for less than I am currently paying doing to my current financial situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Earlier today on my account i noticed a {$19.00} from a company i do not know of and just now received an email about a company i also dont know of checking out my credit score. Im getting aggravated because i dont know if someone has my information. This stress is unneeded for i am XXXX and far along enough to cause an XXXX XXXX.
Product: Debt collection

XXXX XXXX XXXX. XXXX has sent collections letters stating I owe XXXX {$1900.00} ( shown as {$1900.00} on my XXXX, XXXX and XXXX credit reports ). I have written several certified letters asking for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation TO PAY MCM and/or XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately.
Product: Bank account or service

Dear XXXX, I am writing to express my concerns about a behavior of Scottrade Bank and their affiliates which may have adversely exposed my personal information and lead to identity theft and fraud. 

Specifically, in going through my records in order to better understand how I could resolve ongoing identity theft, I discovered that when applying for a bank account at Scottrade Bank, Scottrade Bank improperly handled a number of documents which had very personal information on them. The actions of Scottrade Bank not only broke from the current standards of data security but also broke Scottrade Bank 's internal policies regarding handling customer information. 

Specifically, on or around XXXX XXXX, 2013 XXXX XXXX XXXX XXXX, XXXX XXXX, a regional manager from Scottrade Bank offered to receive Scottrade Bank account application documents via email. Email is a notoriously insecure medium of communication yet XXXX XXXX allowed and offered to receive the documents via email, despite the fact that it was against Scottrade Bank 's internal policies and does not have any of the normal safeguards in place to handle personal customer information. The XXXX XXXX, 2013 email contained PDF attachments that included my full name, signature, address, bank account numbers, Social Security Number, and other very personal and sensitive information. 

As is clear by Scottrade 's online disclosures and policies, Scottrade Bank states that it will never transmit customer information over email and or ask for or receive personal information via email, however, XXXX XXXX, a manager at Scottrade encouraged me to send the information by email to expedite the process, with no disclose of the security concerns. 

I am writing today to ask Scottrade to explain why they let my personal information be transmitted in a way that puts me at significant risk to identity theft. I would also like to know what the current status of the email and personal information is, has it been deleted, has it been accessed, are emails records secure, who could have gained access, was the email accessed XXXX, was it confirmed a secure connection? 

The actions of XXXX XXXX, put me at my personal information at risk and could have likely been the direct cause for hackings that happened weeks latter and accounted for over XXXX of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR XXXX XXXX XXXX XXXX!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established November 22, 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, Trans Union or XXXX   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 FICO 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: Checking or savings account

I use my PNC account for two investment applications - XXXX  and XXXX XXXX. Neither investment application will allow PNC to connect as the funding source so they have shut down the ability to invest funds directly from my bank accounts. XXXX has directed me to file a complaint with the CFBP and they are currently working with PNC to Restore the connection. I am not the only one this is happening to, this is PNC customers as a whole. Thank you for considering my complaint.
Product: Credit reporting or other personal consumer reports

XXXXXX/XX/XXXXXXXX creditor XXXX XXXX XXXX bXX/XX/XXXX This account is not mine. I have no knowledge of this account.
Product: Debt collection

This was part of a class action lawsuit. This debt is reporting information that is not accurate and or account is too old to report.
Product: Student loan

My mother and I have reached out to Sallie Mae several times with no help. My loans were taken out when my parents were married they are no longer my mother is the co signer and neither of us can afford the payments on these loans. We reached out to them and the only thing they said they can do is offer a forbearance for 6 months and charge me to do it. We are unable to refinance these loans because instead of the balance going down it continues to climb with some of the rates being over 12 % I borrowed a total of XXXX that has turned into XXXX with making payments for 6 years. I am desperate and need help and these lenders especially now are predatory and not helping at all. I also cant release my mother from being a cosigner so this is affecting her as well. Please Help they call at least 10 times a day from different numbers to collect something we dont have and have told them this cant even find my loan agreement on the website
Product: Credit reporting 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 correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX sent letter to all XXXX Bureaus informing them that date of last activity was incorrect, that balance was also incorrect and they this the creditor XXXX XXXX account number XXXX that this creditor has had this debt for 7 years and not sold the account to keep reporting incorrect information. The credit bureaus have chose to violate my consumer rights and have not provided me the validity of this debt and has also continue to report inaccurate information on my credit report. This credit is a predatory lender and has chosen provide a loan in XXXX knowing that I only had an income at the time of 25000 yearly and ignored their systems agrorithm showing that i should not qualify for this loan. This company was sued and found to be doing this to consumers since XXXX to XXXX. CFPB also has a class action lawsuit against this company that was just paused XX/XX/XXXX which I have attached. XXXX asking this to please be removed my my report immediately or I will also have to take legal action against the bureaus and the company. I no longer have a lien on this vehicle. I own this vehicle free and clear. Thank you
Product: Debt collection

I got a debt collection this past week, i dont know where it comes from or how to contact the company. I checked it and seems like comes from XXXX  but i had never own that company
Product: Debt collection

Im not sure what this account is or what its in reference to but I have never done buisness with your company. I had my name changed in 2014 also, somehow youre associated with my divorced name which is odd to me because I havent used it since 2014 by law. Please contact me at your earliest convenience. I have court documents per request Contact me at your earliest convenience XXXX
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Unlawful Reinsertion of Account on Credit Report Dear CFPB, I am writing to file a complaint against TransUnion for unlawfully reinserting an account on my credit report without proper verification, in violation of the Fair Credit Reporting Act ( FCRA ). 

Details of the Complaint : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX Date of Incident : XX/XX/year> Description of the Issue : I previously disputed the XXXXXXXX XXXX XXXX XXXX XXXXXXXX account listed on my credit report with the Federal Trade Commission ( FTC ), and the account was successfully removed from my report. However, I recently discovered that TransUnion has reinserted this account on my credit report without conducting a reasonable reinvestigation or providing proper verification, as required by the FCRA. 

The reinsertion of this account has negatively impacted my credit score and caused significant distress. I believe this action is a direct violation of my consumer rights under the FCRA, specifically under Section 611 ( a ) ( 5 ) ( B ), which requires that credit reporting agencies provide notice and verification before reinserting previously deleted information. 

Requested Resolution : I request that the CFPB investigate this matter and hold TransUnion accountable for failing to adhere to FCRA regulations. 
I request the immediate and permanent removal of the unauthorized XXXX XXXX XXXX account from my credit report. 
I request a written explanation from TransUnion detailing the steps taken to prevent such violations in the future. 
I request compensation for any damages suffered as a result of this violation, including the negative impact on my credit score.

Supporting Documents : A copy of my previous dispute and the FTC report confirming the removal of the XXXX XXXX XXXX account. 
A copy of my current credit report showing the reinsertion of the XXXX XXXX XXXX account. 
Correspondence with TransUnion regarding this matter. 
Thank you for your assistance in resolving this issue. I look forward to your prompt response and action to ensure compliance with the FCRA. 

Sincerely,
Product: Debt collection

I am disputing a debt with Jefferson Capital Systems and requested full validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), as allowed by 15 USC 1692g Sec. 809. I formally requested detailed documentation to prove the validity of this debt, including a copy of the original agreement, itemized statements showing any additional fees, and proof that Jefferson Capital Systems has the authority to collect this debt on behalf of the creditor. Despite my request, I have not received adequate validation documentation as required by law, and they have continued collection efforts. 

Additionally, if this debt is reported to the credit bureaus, I am concerned that it may appear as inaccurate information on my credit report, potentially violating the Fair Credit Reporting Act ( FCRA ). Any attempt to report this debt without validation would not only be misleading but also an infringement of my rights under both the FDCPA and FCRA. 
I am filing this complaint to request assistance from the CFPB in ensuring that Jefferson Capital Systems provides full validation documentation before any further collection efforts or reporting to credit bureaus continue.
Product: Credit reporting or other personal consumer reports

I sent certified mail, A request to remove account, it was a removal letter and a FTC report a copy of my driver license and ssn card for XXXX XXXX XXXX XXXX balance : {$0.00} Date Opened : XX/XX/year>. I disputed the same account with XXXX and XXXX they fixed the problem. I believe TransUnion and XXXX are acting in bad faith, and have not complied with the Fair Credit Reporting Act because they are hiding information that has been sent in. I have maintained careful records of their actions.
Product: Checking or savings account

This is a follow up to an earlier complaint against Webster Bank - branch on XXXX XXXX in XXXX. I have been trying to add beneficieries to my checking and savings accounts for months. Once I visited the branch and they told me I need to physically bring my beneficiaries to the branch in order to add them. This is crazy because they live out of state! Second time I was told I can add by filling our a form on line. I looked many times and had a banking attorney look - there is no beneficiary form. I called customer service, they confirmed there is no beneficiary form but also said I don't have to bring my beneficiaries to the branch. I just need their information. Customer Service rep said he'll send an email to the branch. Right after, last Saturday, XX/XX/XXXX, I got a call asking me for all the information over the phone but I was driving and said I'll stop by the branch on Monday. Today, XX/XX/XXXX, I stopped by the branch and the representative XXXX XXXX said I have to have my deceased wife removed from the account before I can add beneficiaries. My attorneys who are working on the estate talked to him and told him it's not possible to remove her yet because the estate is not yet closed and she'll be receiving Social Security and other pension pay outs of a few more months. XXXX insisted that beneficiaries can't be added without removing my deceased wife. My lawyers tried to explain that beneficiaries has nothing to do with her being on the account and there is a valid XXXX XXXX and asked to speak to a XXXX or legal department. XXXX wouldn't accept that and told us to call Customer Service. So Webster Bank is denying me the right to structure my estate because of some incomprehensible rule they adopted. I'm XXXX XXXX XXXX and their policies, procedures and uninformed employees have dragged this simple process on for many months.
Product: Credit reporting or other personal consumer reports

I have had accounts with Ally Financial for over 10 years and have NEVER been late. During XXXX XXXX, my payment was lost in the mail. I always make my payments through Chase ( Chase generates the payment and sends through US mail ), when Ally started calling me advising they had not received my payment, I immediately called XXXX, did a stop pay, and issued a new payment through Ally 's pay by phone option. The following month, Ally called again saying they had not received the payment I mailed in XXXX, when I checked on XXXX online Ally advised they had missed a number in my payment and had my check with the research team trying to credit it to the right account. I could show them my bank had mailed the payment on time and Ally had received it timely, their processing department had just not credited my account. The following day I got an alert from the credit bureau that Ally had reported me 30 days late and my credit had dropped XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no oneseems to care, that I want to dispute specific records in my credit file that do not belong tome, or that I have signed any agreement. The items I'm challenging have nothing to do withany transactions I've done or authorized to gain products, services, or money. Pleaseremove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX  XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXXXXXX XXXX : {$4400.00} ;