23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I request the immediate blocking and deletion of the fraudulent accounts and inquiries listed below. These accounts were opened without my knowledge or authorization, and I am requesting their removal from my credit report in accordance with 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

My American Express Bluebird card was closed on XX/XX/XXXX for apparently violating XXXX XXXX of the card agreement. I didnt violate anything in Section 22d so I called the Bluebird customer support number which redirected to wherever it is located where chickens can be heard in the background. Here they didnt know anything but what I had been told. I tried to get my money back in a check or my account reactivated but they said the only thing they could do is give me a mailing address, the same thing the closing email told me. 

I angrily spent about {$10.00} to send a priority letter to a PO BOX in Georgia hoping to get a response quickly. However it has been 2 months with no reply. Today I called Bluebird customer support again and they couldnt do anything for me, still telling me to mail a letter and not giving me a timeframe on when Id receive a response. This is ridiculous the only way I can contact this financial institution ran by American Express is through the mail! I had about {$400.00} in the account Id like back or my card reinstated because I broke no such terms!
Product: Credit card or prepaid card

Charge Dispute # XXXX was approved by Discover and Charge Dispute # XXXX was denied by Discover when it was the same issue but a different amount. All documentation was provided in both disputes. Discover does not provide an option on their dispute process to identify a merchandise/service received that was overcharged by the merchant. The documentation provided in the disputes are " contracts '' between the merchant and one of it's nationwide prescription plans. If not resolved by this complaint, a subsequent complaint will be filed with the OH Attorney General.
Product: Checking or savings account

I had the checking and saving account in Chase Bank, and this account is used to pay all of my fees, including the housing rent, the tuition, and all other daily cost. However, last week my account has been closed and I can't access the money in it anymore. I couducted with Chase immediately and they said they have the rights to close the account with no reasons. All of my money is in the account, I even don't have money to purchase even a meal. I want to know why Chase close my account and end relationship with me, and I want my money back as soon as possible.
Product: Credit reporting or other personal consumer reports

PERSONAL STATEMENT CFPB I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : 1. XXXX XXXX XXXX XXXX XXXX  ) As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Money transfer, virtual currency, or money service

i tried to add my capital one bank to my XXXX XXXX account and it denied me
Product: Mortgage

Attempted to get a re-fi quote from Quickens loan. I initiated a chat with XXXX XXXX, provided him my details and got the info I needed. I advised him to send me the breakdown of his offer. I was then asked about other options I have taken. I asked him why? He the proceeded to use scare tactics.See below : Absolutely. I will send that over right now. XXXX what other options are you considering if you decide not to move forward with this? 
XXXX XXXX at XXXX, XX/XX/XXXX : why? 
XXXX XXXX at XXXX, XX/XX/XXXX : The reason I say that is because this is saving you over 300 dollars a month and the credit score is at XXXX. If it falls one point you will not be able to do a loan anywhere. This is a start for you to start paying off debt, it gives you an opportunity to start doing something with the debt. If there is no plan B, and the debt continues to grow you credit will continue to fall. 
XXXX XXXX at XXXX, XX/XX/XXXX : I am aware. I understand you have a sales goal and need to reach that but trying to get a sale by placing fear into someone is a bit unethical and the CFPB would not think kindly of that approach XXXX XXXX at XXXX, XXXX XXXX : send me the info I have requested and I will make a decsions XXXX XXXX at XXXX, XXXX XXXX : XXXX I apologize. This has nothing to do with my sales goal. I will send you the information. 
XXXX XXXX at XXXX, XX/XX/XXXX : When can I circle back around with you XXXX XXXX at XXXX, XX/XX/XXXX : tomorrow or Monday? 
XXXX XXXX at XXXX, XX/XX/XXXX : I work daily with the CFPB and you are not permitted to use scare tactics. 
XXXX XXXX at XXXX, XX/XX/XXXX : Our company is obviously regulated by them. As the # 1 rated lender in the nation you can appreciate that we take that role very seriously. Just like a Dr. giving a recommendation to a patient so am I giving a financial recommendation to you. I 'm sorry if my honesty was viewed as a scare tactic it was n't meant to be taken that way XXXX XXXX at XXXX, XX/XX/XXXX : I am not compensated based on your loan amount, loan program, cost, or interest rate. My goal is to find a loan that meets your goals and gets to the closing. I am promoted within the company based on how highly you rate me so obviously I 'm not here to scare you XXXX XXXX at XXXX, XX/XX/XXXX : Again I apologize if it came off that way. 
XXXX XXXX at XXXX, XX/XX/XXXX : I take this job very seriously and saw an opportunity to help you XXXX XXXX at XXXX, XX/XX/XXXX : that is all XXXX XXXX at XXXX, XX/XX/XXXX : So I will send you the info you are requesting. When is a good time for me to follow up with you tomorrow or Monday so that I can answer any questions you have based on the info I send? 
XXXX XXXX at XXXX, XX/XX/XXXX : send me the quote-nothing more XXXX XXXX at XXXX, XX/XX/XXXX : not a problem XXXX.
Product: Credit reporting or other personal consumer reports

XXXX {$440.00} XX/XX/2023 last updated on report XXXX XXXX XXXX XXXXXXXX {$560.00} balance updated XX/XX/2023 I.C. system, INC XXXX XXXX XXXX XXXX XXXX I.C. SYSTEM, INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX I havent made no open accounts or made no financial attempts with my name or social these accounts are not mines or do i know what they are. 









XXXX XXXX XXXX $ XXXX a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are In VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENTG IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY! As a consumer i am demanding the deletion of the accounts listed IMMEDIATELY!!
Product: Credit reporting or other personal consumer reports

I was shocked to find an unauthorized inquiry on my credit report today, and I have no clue why it's there. I always check my report, but this time, something was clearly wrong. I refreshed my browser multiple times, hoping it was an error, but it did not go away. This situation is incredibly frustrating, and I demand an immediate resolution. I urge you to thoroughly examine the documents I submitted to prevent this from happening again.
Product: Credit reporting or other personal consumer reports

I have sent multiple dispute letters to the agencies claiming that I owe a debt. I was unaware of who these agencies were, so I requested proof and validation of the alleged debt and proof they can collect on this debt. I sent these letters via certified mail, but I have not received any validation in response. This issue has been ongoing for over a year, with no resolution. 

XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$540.00} XXXX XXXX {$1100.00} XXXX XXXXXXXX XXXX XXXXXXXX {$1300.00} XXXX & XXXX {$590.00}
Product: Credit card or prepaid card

I am not getting paper statements or via website. I have the due date programmed in my calendar in my phone. I have been calling in each month to pay the minimum payment and not charging anything else on the card. The balance keeps going up by a lot. I called Capital One and they said I am not making a full payment, nothing is going towards principal and it it is not covering the fees. I asked XXXX on the phone ( Rep ) how I am supposed to know this? I am paying what the automated system is telling me is the minimum payment. He could not give me numbers or any explanation. I asked for a Supervisor. He hung up on me instead. I have had them before and they did the same thing. I got rid of them ASAP. I have them now as they purchased the card I have. They are the only Credit Card Company that does this. All of my other cards they can calculate and tell me when I call them why I have the balance I have and that part of my payment is going to principal. I am aware that the minimum payment does not get the balance get paid off quickly however something should be going to it. And if I am able to pay more it should be going there. As well as when I call they shod be able to tell me why my balance is going up, fees etc. Capital Ones business practices should seriously be looked at
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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
Product: Credit reporting or other personal consumer reports

Tried to login to Equifax, login in denied received contact #, called reset email and password, called 2x, 1st XXXX XXXX  for 26 min 6 sec, problem said to be resolved. Tried to login to MyEquifax several times sent me back to same phone # XXXX XXXX XXXX. Called again atXXXX XXXX this time 38 min 6 sec handled by XXXX, sent me through the same process said all good, could not sucessfuly login, she is very hard to understand as was the prior care person. She said this matter would be escalated and I would receive a confirmation email, I did, tried to log in again and after third failed attempt was locked out of Equifax. 
My email XXXX has been hacked, we had that email since 1980 those XXXX  have all my family history, I had no choice, I called XXXX and closed the account. I contacted my financial institutions, credit accounts, XXXX etc. To alert fraud and change to a new email. Many of my contacts were sent a bogus email and they alerted me along with The XXXX XXXX XXXX. I was able to change my info with and freeze XXXX XXXX, XXXX with out issue and have paid for monthly monitoring. Something I believe you folks should enforce, they have a feduciary responsibility towards all of the public.We are at their mercy when it comes to protecting our information, this ought to have lawful enforcement and concequences. 
Equifax has not resolved my login issue preventing me from freezing my financial onformation. This issue must be resolved due to the early stages of Identity Theft, for which I will bear the suffering and ruin not Equifax or the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the creditor listed on the credit reports and they informed me to contact Equifax. And some creditors did not have contact number to contact. 

I have tried disputing the issue with Equifax and they are stating I need a letter from FDC Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CT XXXX XXXXXXXX XXXX XXXX Dispute this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, MI XXXXXXXX XXXX XXXX Dispute this Dispute this XX/XX/XXXX XXXX 'S XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, FL XXXX Dispute this XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MI XXXXXXXX XXXX XXXX XXXXXXXX Dispute this Dispute this XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX CA XXXX XXXX XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXXXXXX XXXX XXXX
Product: Prepaid card

Can only withdraw {$200.00} from ATM. I have tried to resolve this problem with them over the last two months and they are not helpful and appear to not care about this issue.
Product: Payday loan

Super high interest, just borrowed {$750.00} loan, i pay them {$240.00} twice a month, every payday and the rates super high n it will come up to almost {$3000.00} for the whole duration of the loan, its yoo much .. 
Name of company Zocal Loans
Product: Credit reporting or other personal consumer reports

To whom it may concern, Ive been asking the company for months to please remove incorrect information from My credit report please delete inaccurate information from this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

never gave Transunion any written consent to report anything on my consumer report. No consent is identity Theft.
Product: Credit card or prepaid card

On Friday, XXXX, I was signed up with XXXX XXXX with a new Mobile Phone, and received a new Mobile Phone Number. Today, XXXX around XXXX EST, I logged into XXXX , then to PayPal Credit 's Website/Service ( which is maintained by Synchrony Bank ) to change my phone number on record. I found out I could not do so over the internet, as I would need to receive a Verification Code to my previous Mobile Number to access my " Personal Information. '' However, I phone number was provided & I called.

However, when I explained what I wanted to do, the Customer Service Agent said that to change my phone number of record, she would have to send an SMS ( text message ) to my *new* mobile number containing a link. I would have to click on that link, and then record a video showing myself and my Photo ID ; which would then be sent to Customer Service over the Internet for verification. 

I was shocked! I attempted to explain how I believed that sending a video over the Internet that contained my Photo ID would be a high-level security risk. Also, that how I believed people *could theoretically* gain access to this video, and thus, my complete Photo ID. And, then, with my complete Photo ID *potentially* leaked onto the Internet, I could become a victim of Identity theft. 

The Customer Service agent did not listen to any of this, and just kept repeating that her company was dedicated to my security. She eventually offered the option of mailing me a letter with a Verification Code that I could then call back with to have my phone number changed. I told her to just send the letter. The Customer Service agent kept speaking about security ; however, by this time I had been on the phone for nearly 11 minutes, and was tired and frustrated, so I merely hung up. 
However, the very idea that Synchrony Bank 's *default* Security process is to send a video containing a person 's Photo ID over the Internet is outrageous. I believe they need to seriously overhaul their system. For instance, identification verification on some websites merely requires a Photo ID to be uploaded as a picture using a Secured Server. That is not a much better process, but it's certainly better than a video sent.
Product: Credit card or prepaid card

Fidelity reported me late to credit bureau for a transaction in dispute. Fidelity eventually refunded me interest and late fees, but haven't corrected reporting to credit bureaurs
Product: Debt collection

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you. 

LVNVFUNDG XXXX Balance Owed : {$220.00}
Product: Debt collection

Subject : Formal Complaint Against AARGON AGENCY INC for Violations of Debt Collection Practices To Whom It May Concern, This is a formal complaint against AARGON AGENCY INC, a debt collection agency that has been managing a debt account allegedly linked to me. I believe AARGON AGENCY INC has engaged in multiple violations of federal debt collection laws, specifically under the regulations stipulated in 12 CFR 1006.34 and 15 USC 1681s-2. These violations have not only caused significant distress and inconvenience but have also potentially affected my credit worthiness and financial stability due to the questionable reporting and collection practices employed by the AARGON AGENCY INC Failure to Provide Debt Validation : Despite my rights under 12 CFR 1006.34 ( b ) ( 5 ), AARGON AGENCY INC has failed to provide any validation of the alleged debt that they claim I owe. They have continued their collection efforts and have even placed this unverified debt on my consumer credit report, which is a clear violation of the requirement to cease collection activities until the debt is validated. 
Denial of Right to Dispute the Debt : In accordance with 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers are entitled to dispute the accuracy of a debt within a stipulated time frame. AARGON AGENCY INC has not provided me with this opportunity by failing to send any communication that outlines my rights to dispute the debt, further neglecting the legal obligations as a debt collector. 
Misleading and Deceptive Collection Practices : AARGON AGENCY INC has employed methods that I consider to be misleading, deceptive, and misrepresentative in nature, aiming to coerce or intimidate, which is a violation of fair debt collection practices and my consumer rights. 
Unauthorized Reporting to Credit Bureaus : As stated in my rights under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ), a debt collector must meet certain prerequisites before reporting to credit bureaus. AARGON AGENCY INC has not met these obligations yet has proceeded to report the alleged debt, which I believe to be not only premature but also unlawful. 
Given these serious concerns, I request the following actions be taken immediately : A complete validation of the alleged debt, including the original creditors name, the original amount, and any charges applied thereafter. 
A copy of the purchase agreement that authorizes AARGON AGENCY INC to collect on this alleged debt. 
Evidence demonstrating that AARGON AGENCY INC is licensed and bonded to collect debts in my state. 
Immediate removal of the debt reporting from my credit profile until the above matters are satisfactorily resolved in compliance with the law. 
I trust that the CFPB will investigate these issues with the seriousness they warrant and ensure compliance with all applicable federal laws designed to protect consumers from unjust and abusive collection practices. Please keep me informed about the progress of this complaint and any actions taken in relation to it. 
Thank you for your attention to this serious matter. I look forward to your prompt response and resolution. 
Sincerely, XXXX XXXX
Product: Checking or savings account

Inquiring about my cash app account. XXXX XXXX  and block Inc and the affiliates of cash app with downloaded rewards applications from XXXX XXXX  and XXXX the game video in hand is fortune lottery scratchers which cash app is affiliates with the establishment of XXXX XXXX  and their ventures of video and else things which over the years their are several thousands of dollars which they are not releasing this is causing a long term action. To fraud. XXXX XXXX XXXX dob XXXX XXXX XXXX ss XXXX XXXX XXXX mailing address XXXX XXXX XXXX XXXX new jersey XXXX. XXXX XXXX XXXX XXXX textnow XXXX XXXX XXXX XXXX XXXX Pennsylvania XXXX XXXX dob XXXX XXXX XXXX