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

On XX/XX/XXXX, I submitted a mobile deposit of {$10000.00} ( the max allowed ) with a check from my parents to my account at Huntington Bank. We have the same last name. 

On XX/XX/XXXX, I received an email that a hold was placed on my deposit- which I completely understood and had no problem with that. I tried signing into my account later that day in the afternoon to check my balance and I was locked out. I called Huntington Bank, who proceeded to tell me that my account has been flagged for immediate closure. I was stunned. They provided zero details over the phone, except that I would receive a letter in the mail. I panicked and immediately drove over to the nearest branch. 

After calling their headquarters, I was informed by the bank teller that they suspected the check could be fraudulent. Instead of waiting to see if the check cleared, instead of contacting me, instead of contacting my parents ( who wrote the check ) or their bank -- they just decided to immediately close my account with no advanced notice to me. My account was completely frozen. Had I not tried to check my balance that day, I would have had no idea -- payments scheduled would have bounced- including my mortgage payment. 

The teller emptied out my account and handing me the remains of my account, consisting of {$2900.00} in cash. They told me I have to wait until XX/XX/XXXX when the check clears to get the {$10000.00} and come back. This is outrageous. Why would they close my account BEFORE concluding if the check was fraudulent? I was a customer of TCF for 20 years before it merged with Huntington. To make matters worse, this was the last day of the month -- I had to scramble to set up a new checking account at another bank in order to make sure I could pay my mortgage on time. I had to cancel planned payments and change them to my new bank. I had to take time off work to deal with this issue.by visiting my mortgage company to fill out paperwork in order to stop the auto payment for my that would have bounced. 

Perhaps the worst thing of all- is that the tellers told me this has happened to other people before. So Huntington has known about this issue, and has taken no measure to correct it and make sure it does not happen again. I still can not wrap my head around them deciding that they would close my account before the check cleared. If {$10000.00} is too much for a mobile deposit, perhaps they ought to change the advertised limits. Again, this was a check from my parents and we have the same unusual last name. My parents gladly would have come into the bank with me if there were any suspicious of fraud
Product: Credit reporting or other personal consumer reports

Hello I recently look to my credit report and i am a victim of identity theft, i found on my credit report the fraudulent account, that i want to dispute. The fraudulent account ruined all my credit score. 
XXXX XXXX  : opened XX/XX/year> XXXX XXXX  : Account number XXXX XXXX XXXX  : Fraudulent Charges {$1100.00}
Product: Consumer Loan

I received an " End of Lease Liability Statement '' in late XXXX, 2016 from Nissan Motor Acceptance Corporation ( " Nissan '' ). There were various charges that seemed inappropriate and/or inaccurate. I wrote Nissan on XXXX XXXX challenging the charges and requesting a revised, accurate billing. They never responded. On XXXX XXXX, 2016 I received correspondence from XXXX XXXX XXXX, XXXX stating my Nissan account had been placed with them for collection. Nissan has acted in bad faith by providing a false bill, failing to respond to my inquiry, and turning my account over for collection.
Product: Vehicle loan or lease

On XX/XX/XXXX, I went to XXXX XXXX on XXXX XXXX XXXX, XXXX to finance a used XXXX XXXX XXXX XXXX. on that day I went with my friend, and she cosigned for the vehicle for me because I didn't have any credit because I was fresh with my document. We didn't know what to expect when buy I car because it my first and her first going through the procedure with me. it was getting later there was a bit of a rush I gave them all my document they ask for they ask me for {$1000.00} down payment and then proceed to showed me the car inside and outside that day they didn't run over all the information about the vehicle with me all I was told to say yes when I go on the phone with American credit acceptance. they coach me along the way while I was on the with them with me not understanding what going on all I wanted was get a good working vehicle to take me and my young baby around and to school and work not know that they were pushing a faulty vehicle on me because in XX/XX/XXXX that very same year my car shut down on me in the XXXX XXXX XXXX won't turn on. I call the dealership where I got the car from the representative XXXX told me to take the car to the nearest XXXX  dealership and get it diagnose so I get a tow truck company to towed my vehicle to in XX/XX/XXXX to the XXXX dealership on XXXX XXXX in XXXX which I did get the diagnose and there finding was an electrical issue that hit the engine, and it will cost me {$7000.00} to fix the issue. remind you I don't know anything about the car details. then in come with XXXX where all of us in XXXX XXXX XXXX XXXX and everywhere was shut down. my vehicle sits in the dealership parking lot and nobody giving me a solution to fixed it. everyone pointing fingers. American Credit Acceptance knowing my complaint and issue that I don't have the vehicle for so many years and paying them but to offer me settlement while they are reporting on my credit that I owed them {$4700.00}. The dealership doesn't want to fix the vehicle, nor do they want to give me back another car since I was paying for a car that I don't have in my position for so many years tell me to continue making payments this is highway robbery. so unprofessional nobody wants to solve this issue, they are just spinning me around in circle. All these years not having the vehicle American credit acceptance receiving payment every month but don't want to give me a vehicle nor do they want to take that account off my credit. these people are such a scam.
Product: Debt collection

I am in a dispute with a former landlord from 2014, the landlord did receive my 90 day notice to vacate on XXXX/XXXX/2014 by certified mail # XXXX XXXX XXXX XXXX XXXX, along with my request that " ALL '' correspondences be sent to my attorney, yet his collection company has disregarded my request. I continue to dispute the debt and refuse to make payments. The agency also has not provided any options in there validation letter advising me of my rights if I disagree with the client.
Product: Credit reporting or other personal consumer reports

This is my first endeavor 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, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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Product: Credit reporting, credit repair services, or other personal consumer reports

Have held a XXXX XXXX card/account for some years. However, within the last month or two, there is an inquiry for a new account on my credit report. The inquiry is for a XXXX XXXX account, that I have NEVER applied for. I never received any notification that my credit would be ran for such new account. When I sent a customer inquiry asking both why I had a balance on this XXXX  account and why my credit report was pulled for this account when I never authorized it, I received a response telling me they could not send that information to me via email. In order to maintain a decent credit score, I made a payment in full on this XXXX account. But I NEVER applied for this account, I NEVER received a card for this account, I NEVER made a purchase on this account and I NEVER authorized them to pull my credit report.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I am a fusrt time home buyer that closed on my property XX/XX/2023. I originally signed a closing document to close on XX/XX/2023 and first payment date XX/XX/2023 due to underwriting and broker delays I was given a new contract to sign with closing date XX/XX/XXXX and first payment date XX/XX/2023. United Wholesale mortgage is still keeping furst payment date of XXXX putting me behind on mortgage, I have had my credit ruined, multiples defaults, threats of foreclosure, and now i am in financial duress and unable to refinance. I have spoken and kept a papertrail of emails that i have sent to the research department, XXXX at Corporate office and XXXX in the servicing department. I have provided multiple copies of the Information and they refuse to acknowledge the issue and continue to hold escrow overage money and keep my account in deliquent status.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( XXXX ) ( A ) and 611 ( a ) ( XXXX ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX CAPITAL XXXX XXXX XXXX XXXX XXXX CREDIT XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This afternoon XX/XX/2020 I called Capital One to make a dispute. Unlike all other major credit card companies, Capital One does not allow online dispute claims. Unfortunately, the male voiced person with whom I spoke, could not speak English coherently. Three times I asked him to spell his name, which was impossible to hear properly, Each time he responded with grunting sounds, such as XXXX  and XXXX. It is against the American public interest to be unable to communicate with a financial institution 's customer service personnel. I tried to explain that I was charged {$12.00} fee for the old auto battery, even though the merchant XXXX kept the old battery.. The Capital One rep obviously could not understand English, as he did not ask any questions, but merely said, as best as I could figure out from his sounds, that Capital One would send me a letter in 15 days refusing my dispute. There is NO CONSUMER PROTECTION when Capital One does not provide customer service who speak English properly..
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the XXXX data breach of XXXX and the XXXX XXXX XXXX  XXXX  data this account is not mine XXXX XXXX Acct # XXXX {$870.00}
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( FCRA ), this account ( XXXX XXXX  Account Number : XXXX... ) have been reported in violation of my rights. Specifically : Under 15 U.S. Code 1681 - Section 602 states that I have the right to privacy. Additionally, under 15 U.S. Code 604A Section 2, a CRA can not furnish an account report without my written consent. Furthermore, 15 U.S. Code 1666b states that a CRA may not treat a billing error as delinquent unless it has provided adequate notice to the consumer.
Product: Debt collection

I.c. System, Inc has reported a derogatory account on multiple occasions with XXXX : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 The amount reported is {$88.00}, but has impacted my credit score significantly. 

I have contacted the company via phone multiple times and via US postal service to try to resolve this issue. I do not know what this amount is for or the original creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 has violated my rights, 15 U.S.C 1681 section 602 A. states, I have the right to privacy. 15 U.S.C 1681 Section 604 A. Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions
Product: Mortgage

In XXXX, 2006 we refinanced our home and paid to have paymentsscheduled for every XXXX weeks. This has occurred through severalservicing companies. I was notified JPMorgan Chase has boughtthe loan and they will not accept my payment schedule. They willonly accept monthly payments. As of today they could not even tellme how much I owe per month or my due date. How can a mortgagecompany change the terms of my repayment? This is unfair and willkeep me from paying down my mortgage faster. They will only acceptadditional principal payments with the monthly payment. It can not evenbe sent at a different time. My next payment is due with the old servicingcompany on XXXX XXXX and Chase " thinks '' my next payment with them isXXXX, but they do not know for sure or for how much. This could create afinancial hardship if it is in fact a whole payment due a few days later. 
Even though they think the payment is due on XXXX XXXX, they will not evenaccept payments until XXXX XXXX. How can I pay my mortgage on time andavoid negative credit history, if I do n't know when it is due or how much? 
the mortgage
Product: Debt collection

i recently sent a letter to the Portfolio Recovery associates llc and in That letter i asked for copies the original relationship documents from origional creditor that show my wet signature of consent to sell the alleged debt to a third party, and if a document does exist than i would like a copy also and i still havent received any copies for three months which is a violation of the FDCRA, IN ADDITION I clearly stated my request for them not to contact me by phone, at home or work or anywhere else. This letter was sent via certified mail with return receipt, which I have proof of. Since you have continued to call me after receiving that letter, you are now in violation of the FDCPA which I assume you know very well. And they continue to harrass me with phone calls and collections notices of debt that do not belong to me and if they continue to pursue reporting on my credit report than i would like to take legal action as soon as possible.thank you
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX - I applied for a loan online based on their website apply online and have it directly deposited into my bank account the same day all completed online. After applying for the loan, I was then told through the online website that to get the loan same day I would need to physically visit a local location otherwise, it could be directly deposited into my bank account within 3 business days. This was misleading and did not meet my requirements, so I decided to not proceed with the loan. I tried logging back into my Speedy Cash online application and received warnings that my email address is invalid. I also did not receive any email confirmations. I have tried contacting the company both via email and phone with no response. Since I heard nothing and received no confirmations back, I assumed my application was terminated since I did not agree to have it directly deposited or visit a physical location. 

XX/XX/XXXX - Still no response from Speedy Cash, they went ahead and processed my loan without my consent and directly deposited into my bank account. I did not authorize this and again have tried contacting the company via email and phone with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint against the Credit Bureas with ( CFPB ) and they have yet to provide me with any verifying proof or evidence on the matter they sent me one notification 15 days ago stating they needed more time ( 15 ) days to complete investigation
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute certain information on my credit report due to identity theft, as permitted under Section 605B of the Fair Credit Reporting Act. I have recently discovered that my personal information has been used without my consent, resulting in inaccuracies on my credit report. THE FRAUDULENT ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ****PLEASE READ THE FTC REPORT ATTACHED IN DETAIL****
Product: Mortgage

On XXXX XXXX, XXXX, I was pre-approved for a mortgage refinance from Wells Fargo. They told me I needed to pay IN ADVANCE, {$540.00} for taxes and appraisal fee. I was very reluctant about paying, but they told me I could n't close without it. I wrote an email stating that " In the unlikely event that you could not close the loan, I would be owed a FULL REFUND of the amount collected. '' On XXXX XXXX, XXXX, Wells Fargo charged my credit card for the amount stated. On XXXX XXXX, Wells Fargo called me and said that they are no longer approving my loan. When I asked them for the refund on the money they extorted from me, they said " Sorry, but no refunds ''. They are scamming credit worthy applicants out of their hard earned money by promising approval, taking the upfront money, then once they have collected, refusing to close. This company should not only be held responsible for refunding the money, but be criminally prosecuted for their actions. Thank you in advance for your assistance.
Product: Credit card or prepaid card

I charged a rental at XXXX XXXX and was not allowed to rent the vehicle. The date was approximately XX/XX/2020. XXXX had charged {$160.00} to my card. I disputed it with Citibank who initially credited the charge but reversed it after XXXX advised them of their no refund policy. I then turned my attention to XXXX who assured me on several occasions that they credited -or release the authorization as early as XXXX XXXX then again on XX/XX/XXXX. I have yet to receive any credit on my credit card while both Citibank and XXXX are pointing fingers at each other. After speaking to XXXX Customer service on XX/XX/XXXX and a supervisor by the name of XXXX at XXXX called left a message assuring me that a credit would be on my credit card within 3 to 5 business days. As of today XX/XX/2020, I have yet to receive the credit. The case number of this escalated matter at XXXX is XXXX. 
XXXX from XXXX advised in her message that XXXX can't cancel the policy nor issue any correspondence to the fact that they issued a credit, therefore, I have no other evidence other than the message left on my voicemail that a credit would be issued.
Product: Checking or savings account

I have a checking account with Chase. I notice I got charged for {$24.00} fee in the most recent two months. I called Chase today and asked why I am being charged. I was told I have to keep my daily balance over {$1500.00} otherwise there is a {$12.00} fee. I was surprised. I did not receive any notification regarding my balance becoming low before the charge, nor get any statement in email nor mail. I use Chase mobile app to view account activities but there is nowhere says there is a {$1500.00} minimum balance requirement otherwise it is {$12.00} fee per month. 

Chase customer service says because I didn't set up a threshold in the alert that is why I don't get any notification. However even I set up an alert it will not be {$1500.00} threshold probably will be {$100.00} threshold to notify me that balance is below {$100.00}. So I will still be charged with the fee. 

I have been charged twice, but there was no any notification either mail or email says there is a fee on my account. I also have several accounts with XXXX XXXX  XXXX, when my balance is low they will send us a mail to tell us what we should do to keep the account status even we are using paperless statement. But I never received anything from Chase to tell me balance does not meet the {$1500.00} threshold Chase customer service says I didn't receive any mail because I am using paperless statement. But I also never received any email tells me my balance is breaching minimum threshold. 

Chase argues it is customer 's responsibility to maintain the balance. However, before customer taking their responsibilities, should Chase also have the responsibility to educate and remind customers there is a minimum balance requirement and how much. They could put an note under the account, also could send out an mail to tell customers about low balance and associate fee?
Product: Checking or savings account

I opened a HSA savings account with XXXX XXXX  with {$1000.00} in 2012 ( I believe ). I never used these funds. At some point XXXX XXXX A DIV OF WEBSTER BANK bought out the account and started charging fees against my knowledge and permission. I did not authorize this nor would I have held the account with them. I started out with {$1000.00} but the account ended up with {$850.00} which was turned over to the state for unclaimed property ( I do not have this money as I await due process from the state ). I called XXXX and they stated they can not do anything for the account nor refund any money they illegally took. I would like XXXX to refund the fees that were illegally charged. I signed no documents with them allowing fees to be charged. 

I can not upload any documents regarding this because XXXX never sent me any paperwork regarding buying out my account from XXXX but I did find out the name of the bank and account number from the states unclaimed website.