23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Fifth Third Bank Mortgage calls multiple times daily between the 5th and 15th of every month at my office reminding me the mortgage is due. It is never paid late. They are not only harassing me, they are harassing my staff. I want this stopped or Im suing them!
Product: Checking or savings account

On, or about, XX/XX/2023, I was notified by Capital One, via email, that both my checking ( account ending in XXXX ) and savings account were to immediately have withdraws from the accounts frozen. There was absolutely no explanation as to why Capital One decided to take this action, which is understandable given that the notification was by email. 

I immediately called the support number ( XXXX ) that appeared on the web portal, along with a message reiterating that my accounts had withdraws frozen. After entering my information into the validation portion of the automated phone response, I was prompted to " leave a voicemail to be reviewed and the support center will determine if a return call it warranted ''. How can this be an appropriate response to locking someone out of their funds?

Never-the-less, I left a voicemail and waited for two weeks with no response. In the first week of XX/XX/2023, I decided to continuous call different Capital One support numbers until I finally reached a representative that could see details as to why Capital One decided to freeze my accounts. This representative kept reiterating that she could not tell me anything other than that Capital One decided to freeze my accounts and that I am never allowed to open another account with them. There was no explanation as to how long my accounts would be frozen and even any detail as to why this happened. 

The next day I decided to call the same number again, hoping to reach an actually helpful representative. This time, the representative told me that Capital One was investigating my checking account and would close my savings account and send me a check with the remaining amount. Still, I was not given any explanation as to why this happened or how long I would be locked out of my funds. I was told, however, that someone would call within the week to give me details about what is happening and why. Needless to say, I never received this call. 

In the first week of XXXX I decided to call the same number to get an update in regards to this call I was supposed to receive. Again, the representative told me nothing in regards to why this happened or how long it would take. The representative told me that they would definitely be calling within two weeks with a call regarding what is happening and why. 

It's now XX/XX/2023 and I have not had access to my funds ( {$6700.00} ) since XXXX. I have still not received any explanation as to why this happened. How can Capital One legally be allowed to immediately freeze an account with XXXX  XXXX dollars and still not give any explanation. This is absolutely absurd.
Product: Payday loan, title loan, personal loan, or advance loan

I received a letter from XXXX XXXX Bank regarding funds that would be sent to my state 's unclaimed property unit if I did not claim them by XX/XX/year>. Upon calling XXXX XXXXXXXX XXXX, I was referred to XXXX who then referred me to SST ( Systems and Service Technologies ). After acknowledging the account, none of the aforementioned entities would release the funds. Instead they kept referring me back to XXXX another. The deadline is today and the funds are still with XXXX XXXXXXXX XXXX who says they are waiting for SST to give permission to release the funds.
Product: Checking or savings account

I cashed a check for a friend and I sent them the money after the checked cashed. Now the check was bounced and is void. My debit account and saving account are both negative. My account will close XX/XX/XXXX and not sure what to do
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent information to Experian 2 months ago without result in order to prove I am being victimized but have not been responded to and I ask for the enclosed items to be deleted at once. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Violation of section 807 15 usc 1692e false or misleading representations. The account is fraudulent or innacurate. 

Violation of section 15 usc 1692c ( b ) communication with a person other than the consumer without the prior consent of the consumer or attorney. 

Pursuant to Federal Law 15 U.S> Code 1692g Validation of debts, the debt collector must cease collection of any alleged debt owed until verification of the alleged debt or a copy of the judgement or the name and address of the original creditor. They have not provided me with any documentation as of yet, so I am demanding deletion of this account. 

This collection agency, XXXX XXXX XXXX, has no contractual agreement in place with me nor any type of permission to communicate with me, yet they are reporting on my consumer report which is a form of communication. This needs to be removed immediately. 


Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2022 as I was sitting at my doctors office visit making last minute appointments to leave for the XXXX XXXX in Minnesota because my daughter had been diagnosed with a XXXX XXXX and was to have XXXX this week. I received a cell phone call from an automated voice that stated my XXXX XXXX XXXX XXXX  would be disconnected within an hour to avoid this press 1 at which point I was given a live agent. That agent told me that the disconnect was unavoidable unless I XXXX  money in the amount of {$240.00} to XXXX XXXX as the online app was not working properly and did not get my last payment. I XXXX  money to ( XXXX ) XXXX and was told to title it XXXX XXXX, upon sending the name appeared and stated " XXXX ''. He asked me to input a code which I did not. I disconnect the call and he tried 5 more times to contact me. After my doctor appointment I headed straight to the bank to dispute. Since the transaction was sent thru XXXX I am told I have no recourse.
Product: Credit reporting or other personal consumer reports

My account with XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$370.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- COLLECTION ACCOUNTS -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2015 with a credit limit of {$370.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I have inquiries on my credit report that not authorized by me I am a victim ohf identity theft and I will like these deleted due to my fcra rights.. I will upload documentation with my dispute Thanks
Product: Money transfer, virtual currency, or money service

Cryptocurrency and any online transaction takes only a maximum of 15 seconds, transfers shouldn't take 3-14 business days for any account means to me as an XXXX XXXX XXXX Lifetime Holder snd XXXX XXXX that BB & T and XXXX XXXX XXXX and all I've experienced since trading stock investments using XXXX XXXX XXXX and even XXXX they are stopping money transfers to online banking, please investigate them snd tell the magistrates and judges that they aren't XXXX XXXX in my oponion as a professional, they are sane and purpospely stealing money, and why the lock, freeze, and close then reopen accounts. Please alert authorities to have them all involved arrested?!!!!! 

Thanks, and best regards to the faithful and true, From : XXXX XXXX FCC # XXXX XXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Thursday XX/XX/2020 I mailed a letter to Equifax Information Services LLC to remove the errors on my XXXX XXXX XXXX XXXX  account. 

I informed Equifax that my XXXX XXXX XXXX XXXX  account is incorrectly showing 33 missed payments. I also informed Equifax that my account is not past due and there are no missed payment on this account. 

I further requested that Equifax correct and update the account to show current and 100 % on time payments and removed all missed payments from the account. 

It has been more than 45 days and Equifax has not responded to my complaint nor removed the erroneous information within the 30 days notice as required by Federal laws.
Product: Debt collection

I have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and this company that is making money off me while maintaining my credit in the ruins and selling my information to third parties. After reviewing my credit reports I noticed that DIREC MGMT is alleging that I owed an amount of {$1400.00} to them without furnishing any proof of verification of this debt or that they followed all laws and regulations to report. I have continuously reached out to discuss this matter and DIREC MGMT has denied all communications with me and never responded within the time frame required by law. Pursuant to 1692g, i requested the Method of Verification for the said account and DIREC MGMT failed to comply as well in a timely manner. This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is not a request for a reinvestigation of the previous dispute. I was also threatened that my credit would be ruined if I did not pay off this debt after my most recent attempts to collect data from said account investigations.
Product: Credit reporting or other personal consumer reports

These inquiries are not requested by me and they are irrelevant from my credit report but they are attached on my account. Kindly remove it asap.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by Your agency. Your agency has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Credit reporting or other personal consumer reports

I am a victim of Identity theft. I have been a victim since XXXX XXXX. The person has been using my name. I am calling them letting them know that I didn't apply for the credit card account multiple times and nothing was done. I've tried disputing it with all three credit bureau 's. Without letting me know any updates they did nothing. In addition to that XXXX  XXXX bank is sending mail to addresses I have never been associated with in my life regarding the fraud investigation. An address that was used to fraudulently open accounts and credit cards in my name. I spoke to XXXX ID # XXXX. I also spoke to XXXX ID # XXXX they were no help to me at all. They not only disclosed my information to strangers, but they also spoke to credit bureau 's and other third parties about my information whom i did not authorized to disclose to XXXX  XXXX. Can you please help me out I am in debt due to a third party using my name, and XXXX XXXX XXXX failing to properly verify things.
Product: Debt collection

I had a joint account membership with XXXX  and needed it to be cancelled so they agreed to cancel my membership after a remaining balance of {$57.00} was paid but after it was paid they continued to charge my card which was switched to a card that didnt work anymore which is fraudulent because I didnt authorize them to and my membership was cancelled at this time see the screenshots of the emails I attached to see proof of them confirming that the account was cancelled you can not charge someones card who doesnt have a membership with you anymore that is fraudulent and should not be showing up on my credit
Product: Checking or savings account

Hello, I have been a customer with U.S. Bank for over 10 years. Yesterday I tried to send money using the XXXX portion of their app when I found out that I was unable to send any money out. At first I thought it may have been a send limit issue, but I didnt send too much money out during this timeframe to trigger such action. After calling a few representatives and even going into a branch to see what the issue was, I thought there was nothing wrong. I call the accounts review this morning to find out that my account is in process of being terminated without any reason given whatsoever. I was contacted by someone in the company a few months back to ask me about my banking and spending habits for security and money laundering purposes. I told them about every single thing I do with my bank and had no problem going into detail about every transaction I have made. I either send money to my spouse to cover bills or rent, sometimes just to send money, or I send it to another bank that I OWN because maybe my account balance is low, or I pay bills from that particular account. Maybe I just want to send money to that account. Just like I send money to this account. There are three people who get money sent to them from this account, my spouse, my mother in law, and myself. My account is being closed all because someone suspects me of doing something illegal which I am not. My account information isnt even updated in the system to reflect that I have a full time job with a company that I have held over 4 years with enough salary to have the type of money I have, to make these transactions. Their system still shows I work with a previous employer although I mentioned this was outdated with your staff who asked me all about my life and habits. I am extremely frustrated with the way usbank has treated me in regards to this situation because there are people with way more money than me and Im sure you dont go into depth with them about their information. I almost feel like there is some type of discrimination because of my class and that because I dont make enough money like wealthy people do I dont deserve to use my money how I like. I have been with you for over 10 years and to just be swept to the side like this says a lot of negative things about how you really value the average customer. I used XXXX quite a lot but I have never sent money for no fraudulent or illicit purposes. I would like to demand my account be restored to its original condition and be treated like the customer I am. Fairly and honestly. I have never received any issues like this from the other banks I use and I appreciate them despite me being with your bank the longest and still being treated unfairly. To live in a state thats very expensive and costs of living is high, am I not supposed to have a lot of money?
Product: Debt collection

I received a call today from Associated Credit Services, Inc which I initially missed but subsequently returned on XX/XX/2018 at XXXX and interacted with a representative for 1min and 43sec during which the representative stated that the call was being recorded. I also record calls which I determine are potentially fraudulent because I am still dealing with the aftermath of my identity theft. I informed the representative that my identity had been compromised and therefore I was also recording the conversation for my own records. I also asked that Associated Credit Services , Inc. validate the alleged debt. I was interrupted by the representative who stated she did not consent to me recording the call. To which I responded if that was the case then I also did not consent to the call and that Associated Credit Services , Inc. cease and desist from calling me. XXXX XXXX XXXX XXXX XXXX states " An individual who is a party to either an in-person conversation or electronic communication, or who has the consent of one of the parties to the communication, can lawfully record it, unless the person is doing so for the purpose of committing a criminal or tortious act. '' As indicated in the attached recording I was only recording the conversation to protect my interests and not for the purposes of committing a criminal or totious act nor was I attempting to record the call in secret. My credit has already been severely damaged as a result of identity theft and as a result at the advice of my attorney I have recorded ALL interactions that involve debt collections in the event I need evidence for court that the collection agency is violating my rights under the FDCPA. Furthermore I am of the opinion that Associated Credit Services , Inc. asking for and recording my personal information over the phone is a privacy violation. I do not at feel comfortable sharing PII over the phone or it being recorded because I have no way have knowing who has access my PII, what security measures are put in place to prevent my PII from further compromise, what auditing procedures are in place to ensure only the personnel that needs access in order to perform their jobs has that access, and what processes/procedures are in place to permanently dispose of my PII while ensuring confidentiality.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit shows a car loan that is in repossession status. I previously spoke to XXXX explaining that the car wasnt mines and I was a victim of identity theft. I received a letter in the mail once the car was successfully recovered and the car was sold & the remaining balance was satisfied, As of XX/XX/2022. Ive be disputing this multiple times through XXXX XXXX and Im not sure if thats the issue or what. Im unable to actually do anything for myself because somebody took advantage of my credit before I ever had a chance to and I still have no idea how! XXXX shows my SSN is on the dark web so Im not sure if thats how or what but this is completely ridiculous! I just want to be able to actually obtain something with my credit for myself and take advantage of credit so it can be used in the proper manner! I have a repossession and so many late payments its a crying shame for things Ive never had or seen a day in my life!
Product: Consumer Loan

I received a phone call from a man by the name of XXXX, which to be honest I do n't remember if he said his name when he called. I was more interested in what company it was calling me from a weird XXXX number as it appeared on my caller ID. This man calls me to advise me that my car pay is {$58.00} short, my payment is actually XXXX and change. Most of the time I do n't bother thinking in cents but in whole dollars so either I pay a few cents less or a whole dollar more, no big deal. I tell him if that is an issue, he states that it is because my total payment should have been the XXXX and change, I then tell him that this entire phone call is a bit ridiculous because up until now I have paid my payments in full minus the lousy cents and this month I paid XXXX instead of the XXXX and change since they want to get " technical ''. I then ask him for a copy of my contract loan with them just so I am aware if I am out of bounds, I understand that the full payment is due but i paid XXXX % of it and for them to call me about {$58.00} is annoying frankly. Especially since I am at work! This is not the first attempt to contact me at my place of employment either, they have previously left messages with co workers during the first two months because of being a few days late, only because of my due and payment cycle however it was UNDER 10 days late. This is not my first car loan, but this is the first time being approached as harshly FROM THE BEGINNING. If I could turn the car in without hurting my credit I would have a long time ago, but we all know that 's not the smart thing to do and I do n't think I can handle 4 more years of this kind of attitude because if it 's not this month it will be next month, kind of annoying if I am paying my bill in full or up to XXXX % and within its pay period I do n't see why I need a babysitter. Something has to change because along with the XXXX attitude, XXXX did not give me the FDCPA or mini miranda or any other kind of awareness before continuing with the slap in the face.
Product: Debt collection

I keep getting phone calls looking for a XXXX XXXX ( not me ), and when I ask them to stop, they do n't. I got XXXX company XXXX XXXX XXXX XXXX to take me off their list, but others are calling now. A company called Convergent Outsourcing , Inc. is calling and hanging up when I pick up the phone. When I call them, I 'm out on hold to speak with someone. I told them once to remove my number, but I keep getting the hang up calls, and when I called back, I spoke with an XXXX who said my number was not in their database.