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

I called XXXX XXXX Bank approximately 2 weeks ago ( the week of XX/XX/XXXX ) to request a new debit card because my card had expired in XXXX and I had yet to received a new one. The representative said he would send out a new card and did not mention any issues with my account. A few days later, I logged in online and linked the Schwab account with another on my bank accounts and we through the process of the trial deposit verifications. 
This week I got the debit card in the mail and when I tried to call to activate it, I was told that my account was closed by Schwab, without notice, because I had no activity in 6 months. I explained that I only use this card when I travel abroad and that I had just called in two weeks ago and logged into my account, so there was activity. I also said that I needed this to be resolved ASAP as I was going abroad in a week and needed access to my account before then. After speaking to another representative who said she would look into it, call me back, and then never did. I reached out again and spoke to a supervisor, XXXX, who said he would look into it an call me back. 
XXXX called back and left a message saying that it is in their terms of service that they can cancel anyone 's account without notice and, even though the rep I spoke to two weeks ago said everything was fine, if I wanted a new account I  would have to go through the application process again ( and have another inquiry on my credit report ) for an account that should have never been closed in the first place. I find it hard to believe that a bank can close a person 's account without any notice, especially when I was just on the phone with them 2 weeks before and everything was fine. I would like this to be resolved by my account being re-opened without an additional inquiry on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting another CFPB Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my updated credit report and was shocked to find that there are still several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$5700.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. I am requesting that you investigate these fraudulent accounts and remove them from my credit report as soon as possible. I understand that the Fair Credit Reporting Act requires you to conduct a reasonable investigation into any disputes, and I am confident that you will find that these accounts are fraudulent and should not be listed on my credit report.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX  days 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX 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 XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am confused why I do not receive any response from the letters I am sending to the bureaus. I recently discovered that they are shredding letters that they think came from credit repair services. This is unlawful, they are violating my consumer rights.
Product: Debt collection

Key 2 Recovery has harassed me via phone with repeated calls after request to cease and desist. Key 2 Recovery has attempted to collect a debt claiming incorrect inflated amounts. Key 2 Recovery has been informed that the debt is under repayment with the original lender, but still tries to collect
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : aod XXXX  # XXXX Account name : XXXX XXXX XXXX # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

Contacted company a little over a month ago to opt-out of sharing my personal information/data to third parties ( XXXX, XXXX, XXXX ) XXXX My consumer report still has not been updated and its been past 30 days. They are in violation of the US Law 16 CFR Privacy of Consumer Financial Information. I would like the specific account removed from my report exercising my rights pursuant to 15 U.S.C. 6802- Obligations with respect to disclosures of personal information and 15 U.S.C. 6805- Opt-Out enforcement which all coincides with the United States federal law The Privacy Act of 1974 establishing a Code of Fair Information Practice.
Product: Debt collection

NOTICE OF FAULT AND OPPORTUNITY TO CURE AND TO CONTEST ACCEPTANCE AND COUNTER-OFFER FOR ACCOUNT SETTLEMENT AND CLOSURE Certified # XXXX XXXX : XXXX c/o XXXX XXXX XXXX XXXX XXXX WI, XXXX Trustee in care of XXXX XXXX XXXX MR. XXXX XXXX, CEO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX RESPONDENT This is a legal notice. Please read it carefully as it means what it says. If you fail to comply with this notice, then you will be deemed to be in agreement to my fee schedule outlined below. Do not ignore it. 

Respondent- NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL XX/XX/2019 RE : NOTICE OF FAULT AND OPPORTUNITY TO CURE AND TO CONTEST ACCEPTANCE, ACCOUNT # XXXX and # XXXX Dear Mr. XXXX, CEO : On XX/XX/2019, you were sent notice of Conditional acceptance for value for proof of claim upon corporation 's contract, for determination of 'meeting of the mind ', 'Fraud on the Contract ', and/or 'unconscionable contract ', and/or agreement for commercial discharge, Account # XXXX and # XXXX. This notice was sent by Certified Mail # XXXX. You did not respond accordingly. 

You failed to perform after receiving these presentments from XXXX : XXXX, and you failed to perform by providing the requested and necessary PROOFS OF CLAIM after receiving the said Notice mentioned above from the undersigned. 

The time limit has elapsed, constituting acceptance by Respondent / LIBELLEE thereof instead of providing a timely response / rebuttal to the allegations of the Secured Party. An unrebutted Affidavit stands as the judgment in commerce. 
As the Respondent, you are now in fault, and you are in agreement and have stipulated to the terms of the undersigneds dated presentment through your dishonor. You have the right to cure this fault and perform according to said terms within the ten ( 10 ) days from the receipt of this Notice of Fault. Should you fail to cure your fault, I will establish an Affidavit of Default solidifying your agreement and failure to contest acceptance, and I will obtain a CERTIFICATE OF NON-RESPONSE pursuant to and relative to the UCC, state statute, and otherwise.

Thank you for your prompt attention to this matter.

Sincerely, Without Prejudice Authorized Representative XXXX : XXXX
Product: Debt collection

Subject : Urgent : Cease and Desist Unauthorized Reporting on my Credit Dear Paramount Recovery, I am writing to express my deep concern and frustration regarding the unauthorized collection account that you have reported on my credit profile. To my knowledge, I have never given Paramount Recovery permission to engage in any collection activities on my behalf.

Under the Fair Credit Reporting Act ( FCRA ), specifically under Section 604 ( a ) ( 3 ) ( F ) [ 15 U.S.C. 1681b ( a ) ( 3 ) ( F ) ], a consumer reporting agency may furnish a consumer report for the purpose of collecting an account only with the express permission of the consumer, which, in this case, I have not granted.

Furthermore, under Section 605 ( b ) [ 15 U.S.C. 1681c ], consumer reporting agencies are prohibited from including adverse information in a consumers report unless the agency has verified the accuracy of the information within a reasonable period and obtained the necessary permission to include such information. Paramount Recoverys reporting of this unauthorized collection account without my explicit consent constitutes a direct violation of this section.

Additionally, under Section 607 ( b ) [ 15 U.S.C. 1681e ( b ) ], consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy in the preparation of consumer reports. The inclusion of an unauthorized collection account, for which Paramount Recovery lacks the proper permissions, demonstrates a direct failure to comply with this requirement.

In accordance with South Carolina state law, specifically under Section 37-5-108 [ S.C. Code Ann. 37-5-108 ], engaging in fraudulent, unfair, or deceptive acts or practices in the collection of consumer debts is expressly prohibited. Paramount Recoverys actions, which directly violate federal law, could also be subject to penalties under South Carolina state law.

Given that I have not provided explicit written consent, and no court order has been issued, Paramount Recoverys reporting of this unauthorized collection account is a direct violation of both federal and state laws. This not only jeopardizes my creditworthiness but also constitutes a serious breach of privacy, possibly amounting to identity fraud.

I request that Paramount Recovery promptly investigates and rectifies this situation within the next 30 days from the receipt of this complaint. Failure to do so will be considered willful noncompliance, and Paramount Recovery may be held civilly liable for this direct offense under Section 616 [ 15 U.S.C. 1681n ] of the FCRA and applicable South Carolina state laws.

I expect your immediate attention to this matter and the removal of the unauthorized collection account from my credit report, in strict compliance with both federal and South Carolina state laws.

Done in good faith.
Product: Credit card or prepaid card

Hello I am filing a complaint because I filed a dispute with Macys over some fraudulent activity on my account- this dispute got declined - they have opened a new case to " re investigate '' but I am doing my due diligence in filing a complaint to ensure I am not responsible for charges I did not make. 

I opened a Macy 's card on XX/XX/XXXX in-store to receive a promo offer on purchases I had made. I had purchased a chain for my boyfriend, and 4 necklaces for myself and my family for XXXX ( this was the only time I had every used this card - the day I opened it ) I ordered this card to my home address - However - I never received this card that was mailed out. When I called the Macy 's CC department on XX/XX/XXXX, the initial call was to see when I could expect my credit card to arrive. I spoke to an employee who told me that there were charges of over {$1000.00} on my account. However, as stated, I never received the card that these charges were made on. 

I spoke to the employee on the phone and he informed me that my credit card, which was ordered on XX/XX/XXXX, had been sent. I had not ( nor have I ever ) received the credit card on the date of XX/XX/XXXX which was a month after ordering the initial card. This prompted me to call the fraud department. I spoke with an employee who explained they would cancel the card I was previously issued, before issuing and sending a new card. After not receiving the old card at the address I initially provided, I had a new ( different ) card shipped to my work address. I received the new card, which was ordered on XX/XX/XXXX, after the fraudulent charges were made. The fraudulent charges were made on XX/XX/XXXX and XX/XX/XXXX according to customer care reps. 
There were 2 charges made on XX/XX/XXXX - The amounts were {$70.00} - XXXX XXXXXXXX XXXX XXXX XXXX ) and {$370.00} ( sunglasses ) There was a third purchase made on XX/XX/XXXX for the amount of {$1000.00} ( mens jewelery ) The above information was provided to me by Customer care reps. 
On XX/XX/XXXX - I called and spoke to a customer care rep who also told me that the signature and the name that was given on the dates of XX/XX/XXXX and XX/XX/XXXX when the fraudulent purchases were made - were different than the signature I gave them the day I opened the card. Along with the fact that I never received this card- I am not sure why my original fraud dispute got declined. 

The dispute # is XXXX I have also filed a police report with XXXX Police Department - I can provide that information of the report # if requested ( it told me not to add any personal info in this report ) Any further information needed can be provided if you email or call me ( email is better as work keeps me rather busy ).
Product: Money transfer, virtual currency, or money service

I have been getting the runaround with cashapp since XX/XX/XXXX. I had contacted them to file a dispute, and was told it was filed. It is now XX/XX/XXXX and no credits or updates. Under revaluation XXXX, for unauthorized EFTs they are required to provide provisional credit while they conduct their investigation. they have the right to conduct their investigation up to XXXX days, but they do not have to right to withhold provisional credit as outlined in regulation XXXX each time I contact them via their chat channel ( since this is the only way you ever can ) they tell me the same robotic response, that they cant provide me any updates on my dispute. I threatened to contact you guys, and they told me for your record, we are still working your dispute. which is fine and dandy, but I work for a bank. and I know regulation E- and I know unauthorized EFTs do qualify for provisional credit no matter what. it wasnt a small charge either, it was XXXX this isnt fair to play with someones money.
Product: Student loan

Navient has not responded to a request for forbearance that they said I was eligible for. I told them I have no phone access during the week or until after XXXX p.m. on Fridays, due to XXXX rules. I sent in the required paperwork. I 'm sending it again, along with the required {$150.00} " good faith '' payment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX  XXXX, 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.15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Last four Acoount # 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 a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than record of convictions of crimes which antedates the r

eport by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting 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, and inquiry as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXXXXXX Balance : {$100000.00} XXXX XXXX XXXXXXXX Balance : {$30000.00} XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I noticed an unfamiliar account on my credit report that isn't mine. I believe it could be due to identity theft or fraud.
Product: Debt collection

One main financial called my home at XXXX XXXX. I have proof of the call on my caller ID.
Product: Mortgage

I had to do a loan modification with Wells Fargo back between XX/XX/XXXX and XX/XX/XXXX. I paid over {$12000.00} in attorney fees and at the Wells Fargo added {$84000.00} as a XXXX  mortgage. My mortgage was moved from XXXX  year fixed to a XXXX  year fixed at XXXX  %. I was skeptical, but had to keep my family in the home. I now know that this was illegal back then and I wished to be conpenated between the layer fee and the XXXX mortgage added i payed close to $ XXXX. I would like to be added to the Wells Fargo class action lawsuite for bad mortgage practice while taking advantage of their customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX furnished a collection on my consumer report. Where did this collection come from?? 
XXXX XXXX XXXX, YOU ARE BREAKING THE LAW. 
See exhibit attached, the notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F, which took effect XX/XX/2021, You XXXX  XXXX XXXX, have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action.

I have not given you written permission, nor will I ever give you or any debt collector permission, to put anything on my credit profile 15 USC 1681b2.

You have no permissible purpose by law to contact third parties with my personal information. You actions result in AGGRAVATED IDENTITY THEFT 18 USC 1028A. Knowingly and wilfully transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit profile I had seen quite a few inquiries that did not belong to me.
Product: Credit card or prepaid card

I have had a Capital One credit card for 8 or 9 years. Around XXXX XXXX, I had called to see if I could switch from a Platinum XXXX to a XXXX card. I spoke with a gentleman that told me it was an easy upgrade so my interest rate would stay the same, card number the same, but with no more annual membership fee and 1.5 % cash back. Just now I realized my balance was higher than the last time I checked when I had not used the card. On XXXX XXXX, XXXX I was charged a {$39.00} membership fee. I looked back and was charged the same thing in XXXX XXXX. I checked the Capital One website and saw clear as day under the XXXX card description that the annual fee is {$0.00}. I called them this evening XXXX XXXX/XXXX/XXXX XXXX and spoke to 2 people that both told me they have a membership fee on this version of the XXXX. They refused to fix the problem and claimed that I must have agreed to it because all the representatives have to disclose that this is a different version of the Quicksilver than what is advertised. I was blatantly lied to and signed up for a card that I was not clearly described in that phone call. I should have been made aware of this especially because I told the sales representative that I was looking to get rid of the membership cost. Not only are they unwilling to change my card to the right " version '' of the XXXX, but they refused to waive even one of the fees. I feel not only was I lied to, but many people are being tricked into this card by looking at the marketing online.