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

Huntington Bank XXXX Huntington Bancshares Incorporated is an American bank holding company headquartered in XXXX, Ohio ) have a program called Stand By Cash. The requirements now are as follows. 

Standby Cash is subject to terms and conditions and other account agreements. A 1 % monthly interest charge ( 12 % Annual Percentage Rate ) will be added to outstanding balances if automatic payments are not scheduled. Available through online banking or the Huntington Mobile app to individuals with an active consumer checking account with at least three months of consistent deposit activity of {$1000.00} or more, and an average daily balance over the last 30 days of {$200.00} or more. An active or recent bankruptcy or other legal process may disqualify you. Other eligibility requirements apply, including your recent overdraft and/or return history, regardless of whether you are charged overdraft or return fees or they are waived with our XXXX Grace and {$50.00} Safety ZoneSM services. We reserve the right to change eligibility criteria at any time. Line amount and/or ongoing availability may vary based on changes to your deposit activity, average daily balance, and number and length of overdrafts and/or returns on any of your Huntington deposit accounts. When any of your Huntington deposit accounts are in an overdraft status for more than one day, your Standby Cash line may be suspended until they are no longer negative. If 90 % or more of the approved credit line is drawn three months in a row, Standby Cash will be suspended until its paid to a XXXX balance. Business checking accounts are not eligible for Standby Cash. 

I was informed today that we were not eligible for stand by cash due to overdraft on XX/XX/2022. We did not get NSF fees, we just simply transferred money from savings to bring the account current. 

Problem 1 : The policy change to Stand by cash did not go in effect until " I was told XX/XX/XXXX XXXX XXXXXXXX 2022. The requirements did not state whether it back dated XXXX  days or if the policy change just started on the " XXXX ''. 

Problem 2 : I was informed that Stand By Cash is automated and it runs by an algorithm. Since we did not technically have any overdraft fees, but the stand by cash 's algorithm seen where the account was negative for a short amount of time ( XXXX XXXX to transfer from savings ) ... does it send a report to credit bureau of actual overdraft?
Product: Checking or savings account

Wells Fargo Bank is denying me access to my checking account number XXXX because it is impermissibly demanding that I use a " mobile phone '' when repeatedly many times I have told them I DO NOT OWN A " mobile phone ''! 

As a result, I can not know what fees Wells Fargo is charging me. 

I am a XXXX  citizens of very advanced years and with XXXX  medical conditions and can not just pop over to a local Wells Fargo XXXX and I have told them THIS too! 

On information and belief, they are charging me fees so that my account is put in deficit and then they charge me more fees in a SNOW BALL EFFECT! 

Outrageous! Where is their sense of decency, there MORAL COMPASS? 
Gone, gone, gone, if ever they ever any any!
Product: Credit card

Navy federal has repeatedly informed me that I am cleared via SCRA. This happened roughly five months ago. I've been waiting for them to apply the benefits so I can purchase a property. They informed me that I only needed to wait. However, I am paying greater interest, which has been going on for a long time. As a service member, this is unacceptable. I sent these papers while abroad, and now that I'm back, the situation has not been resolved. They do not have a deadline for providing me with any type of guidance.
Product: Credit reporting

XXXX XXXX XXXX to XXXX XXXX during this time my credit accounts were tampered with and unauthorized charges. I have filed FTC complaint, police report with XXXX police agencies ( XXXX XXXX, XXXX XXXX 's, and XXXX ). Have informed and disputed with XXXX creditors numerous times with no action taken by them to remove or block. After several ID Theft disputes with CRA Trans Union - learned about FCRA XXXX and sent on XXXX XXXX to block. Trans Union refuses to block and instead said all they would do is to re-investigate with the creditors.
Product: Credit reporting

Settled ( for less then balance ) on XXXX XXXX credit card in XXXX of 2014, but there is a " balance '' still showing on my credit report for this account.
Product: Vehicle loan or lease

On or about XX/XX/XXXX, a vehicle I financed through Capital One Auto was repossessed. The vehicle apparently was resold at some point, which I was not made aware of by the company. I have contacted Capital One and all three major CRA 's on multiple occasions beginning around XX/XX/XXXX and informed them balances and the historical reporting was erroneous. I was not made aware of the date or amount of the resale. I do know, as does all other parties involved, under PA law, UCC Section 9.506 and State RISA and MVISA statutes " A deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to ''. I still, as of this date do not know when the vehicle was resold, how much it was resold for, nor what I would I be able to redeem the vehicle prior to resell. 
In addition to the Federal Laws violated after the repossession, Capital One and the company 's agent, PA XXXX XXXX violated numerous laws from the beginning, when I first got the vehicle. There were several noticeable violations present which would have nullified the contract from the beginning, pursuant to the Truth in Lending Act, most important being, the right to rescind the contract. As well as, the fraud committed by the company and their representatives, by taking a cash payment as a deposit and failed to mention that my finance charge was all I needed to complete the deal. There were many violations committed by Capital One, and upon contacting them they continued to report this delinquency and repossession on my credit, which such Adverse Action against a consumer is against federal law.
Product: Debt collection

XXXX XXXX apparently placed a bad debt in the amount of {$660.00} on my account for a XXXX XXXX balance. The initial report ( on my XXXX report ) shows XXXX, and they have reported the debt again as a negative item this month, XXXX. I have n't had a XXXX XXXX account since XXXX. I have had no recent account with them. The balance that was owed from XXXX was included in my Ch. XXXX bankruptcy filed in XXXX. I suspect that what XXXX XXXX and Enhanced Recovery Corp ( the original holder of the debt ) is attempting to do is illegal, and I 'm tempted to contact an attorney regarding the matter.
Product: Consumer Loan

I payed off my car loan through Ally Auto on Saturday XXXX XXXX. The payoff amount was taken out of my account on XXXX XXXX 2015. I called on Wednesday XXXX XXXX to see when I can expect my lien release. The response was 10 days for the money to clear ( although my car loan account listed XXXX balance and the pay off monies was taken out of my checking account ). I then explained that that was ok but at the 10 days I would need to have the lien release note as I sold the car and the buyer only has 14 days to get the title into her name. Ally then told me the paperwork would be mailed to me after the 10 days and it would take 5 to 7 business days. Again I discussed the unsatisfactory time frame. I was told I could request a fax copy after the 10 day money clear timeframe but the fax would then have a 48 hour hold on it after I request it. This hold happens over a weekend so in reality the title will still be over the 14 day mark set by the State of Michigan. I was not informed in my loan paperwork that this event would take up to 17 days to complete if I chose to sell my vehicle before the loan was payed off.
Product: Credit reporting or other personal consumer reports

This is my last notice before I move to litigation. You are reporting fraudulent accounts on my credit. Never had this account. I have already reported this fraudulent account.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date : XX/XX/XXXX Since then the date of last activity has been inconsistently updated. On Equifax the date last active is ( XX/XX/XXXX ) and on Transunion it's ( XX/XX/XXXX ) If the information is coming from the original creditor the dates should be the same. We can not say these account are 100 % accurate so it is deemed INACCURATE. Please delete this account from my report. 
Account Name : XXXX XXXX Account Number:XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/year> To Whom This May Concern, I, XXXX XXXX have received information regarding a debt that is being claimed against me. Through my rights, in accordance with 15 U.S. Code 1692g, I hold the right to verify the total debt amount, including any fees, and who the original party that is making the claim. After receiving such information, I will review and respond within the 30-day period allotted to me under federal law. 

If it is found that there is no evidence of this debt under my name, then I demand that all credit bureaus and financial institutions be made aware, or a complaint will be filed to the respective local or federal agency. 

Furthermore, I request that you cease and desist any future telephone communication, whether through my residential or employment numbers. I am aware of the request for payment by your company and any further telephone communication shall be considered harassment in violation of 15 U.S. Code 1692d and shall be subject to State and Federal penalties. 

I appreciate your efforts in this matter and look forward to your response. 

Regards, XXXX XXXX
Product: Prepaid card

i opened an account with paypal after the account was opened i was supposed to receive a payment from a friend i never got the payment so i decided to add money to the paypal account myself on XXXX/XXXX/2016 after the funds was added i received a called from paypal to verify that i had added the funds to the paypal account i confirm everything with paypal then minutes later i didnt have access to my account paypal refuses to give me access to my funds saying it will be on hold for 180 days i have been trying to call paypal and i have been sending emails..i dont care to have a paypal account i just want my money back and they can close the accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. How many letters do I have to send? How many complaints do I have to submit? Is it not that enough proof to inform you that I am a victim of Identity theft? I am frustrated to see the Credit Bureaus stall the removal of the items I am disputing which is a clear violation of my rights under the Fair Credit Reporting Act section 606b! Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) I need the following Items removed now! 

XXXX XXXX XXXX, XXXX NV XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Around the middle of XX/XX/XXXX I acquired a vehicle in a consumer credit transaction through XXXX XXXX Mazda and Mazda Financial Services ( also Toyota Motor Credit Corporation ). I asked quite a few questions about my rights as a consumer but I was basically told they do not exist. I never received full disclosure among other things such as no documents to rescind the contract nor the fact that I had the ability. Furthermore, the documents actually say there is " no cooling off period '' which violates rescission in federal law, and as such I was never told I have 3 years to do so. 

Around XX/XX/XXXX I mailed by certified mail, a debt validation letter to Mazda Financial/Toyota Motor Credit ( attached ). They responded on XX/XX/XXXX that the debt validation letter was a " fraudulent form of payment '' and threatened legal and physical actions against my property. 

On XX/XX/XXXX they then sent a cease and desist of their own volition saying the would " cease all communications regarding the account ''. They lied, and sent another bill the next month ( attached ). 
AFTER THE 30 DAY WINDOW FOR VALIDATION I NEVER SO MUCH AS RECEIVED A WORD REGARDING IT. I EVEN CALLED, THEY LIED SAID THEY SENT IT, AND SENT ANOTHER ONE THAT DAY PER MY REQUEST ( late XXXX ). I NEVER RECEIVED THAT ONE EITHER. They continued to attempt to collect the " debt '' during the validation period/dispute and continue to do so. 

They were also " assigned '' the " debt '' which was never properly disclosed to me either, nor did i receive any consideration for my signature. Assignment is for Creditors in bankruptcy, and Debt collectors and creditors must be the same person as well.

Mazda continues to collect a debt illegally, continues to violate their own cease and desist, and can not and has not validated the debt they claim I owe after more than 30 days.
Product: Payday loan, title loan, or personal loan

After granting my Lowes consumer credit card a limit of XXXX, I began repairs on a home that im remodeling. My intentions were to pay for labor with cash, and materials and supplies through my Lowes card. After purchasing approximately XXXX in supplies and materials, my credit limit was cut to barely over the balance owed. I have had my card for several years and was never late. <P/>I contacted Synchrony bank and without any reason was told there was nothing I could do, and this immediately caused the work to stop on the home i was remodeling and intending to sell. <P/>A couple weeks later my amazon limit was slashed from XXXX to XXXX, and today my wal mart card cut from XXXX to XXXX. <P/>Synchrony has tanked my credit score by maxing out my utilization so i cant even get a loan to finish the project. Not only is this bad business on the companies part but should be illegal.
Product: Credit card

they didn't give me credit for my returns. didn't order other orders that i was billed for. i have not use the card scene.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and correct for erroneous reporting in my file and are listed 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
Product: Credit card

My CitiBusiness credit card had a transaction of {$100.00} charged to it on XXXX/XXXX/2015 from XXXX. I did not authorize this charge, nor did I knowingly or willingly purchase the goods in question for the charge made to my account on XXXX/XXXX/2015. My employment at the business for which the card was used ended on XXXX/XXXX/2015. 

The last transactions that I authorized and purchased were paid in full in XXXX 2015, with no further transactions being made or authorized by myself from that point on. 

I was unaware of this charge made on XXXX/XXXX/2015 until I received a physical letter in the mail from CitiBank on XXXX/XXXX/2015. I immediately contacted CitiBank on XXXX/XXXX/2015 as soon as I was aware of the charge and the ongoing situation with my account. 

After my first conversation with CitiBank on XXXX/XXXX/2015, it was suggested by CitiBank that I contact XXXX about the charge. I contacted XXXX immediately and their response was that the charge could not be refunded unless the request came within 30 days of the purchase. 

I did not personally make or approve the charge made to my account on XXXX/XXXX/2015, nor was I aware of it until XXXX/XXXX/2015, and I have not and will never receive any product or service from XXXX for this charge. 

CitiBank responded to my billing dispute by stating that my dispute was not made within 60 days so they declined my dispute. They did not offer any acknowledgement of how I was supposed to submit a dispute within 60 days for a transaction that I did not make or authorize, or was even aware of until XXXX/XXXX/2015. 

CitiBank has closed my account and sent the balance due to a collection agency, XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute and Request for Investigation of Inaccurate Collection Account Reporting - Account Number : XXXX To Whom It May Concerns, I am writing to formally dispute and request an investigation into the inaccurate reporting of a collection account from XXXX XXXX, bearing the account number XXXX. I have observed a significant discrepancy in the reported dates of last activity for this account across the three major credit reporting agencies : TransUnion, XXXX, and XXXX. The conflicting dates are as follows : TransUnion : Reported last activity date - XX/XX/XXXX XXXX : Reported last activity date XXXX XXXX XXXX  : Reported last activity date - XXXX  These inconsistent dates have raised serious concerns about the accuracy of the information being reported on my credit reports. In accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), I am exercising my right to ensure that the information presented accurately reflects my credit history and financial standing. 

I kindly request a thorough investigation into the collection account associated with the account number XXXX, specifically focusing on the reported dates of last activity. I am eager to understand how such varying dates were obtained and computed. The information reported by the credit bureaus significantly impacts my creditworthiness and overall financial well-being, and it is imperative that it is consistent and reliable. 

Enclosed with this letter, you will find copies of relevant documentation that provide substantial evidence supporting my claim of inaccurate reporting. I believe that a comprehensive examination of these materials will confirm the existence of discrepancies that require immediate resolution. 

I respectfully request that you conduct the investigation within the mandated 30-day period as stipulated by the FCRA. Furthermore, I kindly ask that you communicate the results of the investigation to me in writing. Should the investigation affirm the presence of inaccurate reporting, I expect the erroneous information to be promptly rectified or expunged from my credit reports, as per the provisions of the law. 

I am deeply committed to maintaining precise credit information and appreciate your assistance in upholding the integrity of my credit reports. Please do not hesitate to reach out to me via email or phone if you require any additional information or clarification regarding this dispute. 

Thank you for your prompt attention to this matter. 

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

XXXX XXXX has posted inaccurate information to my consumer report. I have not received a correct and true statement since November 2021. I have attempted to contact them but haven't received a response. This is a billing error and needs to be fixed so i can pay my credit card. This inaccurate information on my consumer report needs to be fixed so i can apply for more credit. This adverse action on my consumer report has affected my ability to move into my apartment. I want to continue to do business but i haven't received a statement at ALL.
Product: Debt collection

I made the following payments on XX/XX/2020 to this PRA Group, a debt collector and it is referenced on my redacted bank statement which is attached : PRA Group for {$290.00} ; PRA Group for {$390.00} ; These accounts have been paid and to date XXXX and PRA Group are still reporting them as unpaid. This is prohibiting me from purchasing a home and taking advantage of the great interest rates available. I sent a certified letter to XXXX received on XX/XX/2020 and a letter to PRA Group received on XX/XX/2020 they still have not reflected the payment.
Product: Payday loan, title loan, or personal loan

I was accepted for a loan in XX/XX/2018 for XXXX $ We have made 4 payments so far. We were told the interest would be 24 % and now its 34 %. We were told we could make payments online. We have never been able to pay online and have screen shots showing its broke. Each month on the XXXX we must call Lending Club to process the payment. If we do not call on that day they charge a late fee. We want to pay off the loan and or move it but now they are saying we owe XXXX $ to pay it off!!!! We want out of the loan and feel we should not be penalized to pay it off. 

please please help!!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Innovis XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Consumer Disclosure Report To Whom It May Concern, Under the Fair Credit Reporting Act ( FCRA ), I am formally requesting a copy of my full consumer report maintained by your agency. Please consider this letter my written request for disclosure of all the information you have on file about me. 

Below is my identifying information to assist you in processing this request : Full Name : XXXX XXXX Date of Birth : XX/XX/year> Current Address : XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX Email : XXXX Please mail or email my complete consumer report to the address or email provided above. To verify my identity, I have attached a copy of my drivers license and a recent utility bill as proof of address. 

If additional documentation is required or there are any issues processing my request, please contact me promptly at the provided email address. 

Thank you for your prompt attention to this matter. I look forward to receiving my report within the time frame mandated by law. 

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

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX account # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States that I have a 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.
Product: Student loan

I asked for my overpayment all be allocated to principal. The person who responded pretended that I had not made a request, and instead chose to respond as though I asked a questions, and did not follow my instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had called ( XXXX ) XXXX and opted out of preapprovals on XX/XX/2019 yet nothing is showing in my Trans Union report and my XXXX report reflecting that and I continue to be bothered with unwanted offers as well as unwanted inquiries appearing without my permission. 

Also, XXXX has my date of birth wrong since XX/XX/XXXX and my mailing address with them has become outdated.