23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES!

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. SCA COLLECT Account Number : XXXX Please remove it from my credit report. 

9. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX 10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/2019 12. The following personal information is incorrect Account Number : EMPLOYER : XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 14. XXXX Account Number : XXXX Please remove it from my credit report. 

15. Account Number : XXXX Please remove it from my credit report. 

16. Account Number : XXXX Please remove it from my credit report. 

17. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.
Product: Mortgage

I purchased a " newly completed home '' at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX. On XX/XX/XXXX I was informed by the XXXX XXXX XXXXXXXX final permits for home were obtained.
Product: Debt collection

Credence Resource Management is trying to collect debt from me that i do not owe and they keep harassing me. I do not owe anyone XXXX in order to collect debt from me they need to have a document with my signature on it or it is illegal and i will be filing a lawsuit immediately if they do not remove it.
Product: Prepaid card

XXXX XXXX my serve american express debit card was stollen from me and my tax refund that was depsited on to this debit card was spent down to XXXX XXXX cents.i have reached out to to serve and filed a dispute claim with this company XXXX times they have denied me all XXXX times after i repeatedly sent multiply documents showing proof i did not authorize this thief to spend my hard working money i earned for working the full year.They denied me XXXX times stating that i did not have enough details to get me refund sent back to me. so i reached out to the XXXX district to assist me in filing a fraud suit against the person who stole my card. Now the perpetrator has been caught and the thief has been summoned to appear to court on XX/XX/year> XXXX for arraignment. My case number is XXXX Prosecutor XXXX XXXX XXXX XXXXThe amount that was stollen from me was XXXX spent off my card i would like all my money returned back to me.I have been notified of my fraud case against this person by XXXX XXXX XXXX XXXX XXXX XXXX who is assisting me with my case.I have new documents supporting my case against this thief that is being prosecuted and im seeking justice from me. being a victim of a felony crime Please me get money back to as im seeking justice against this thief. Thank you!
Product: Credit card

In XX/XX/year>. I applied for Barclays Aviator Aadvantage card online and got approved and card ends in XXXX. Due to a system error on Barclay, a duplicate Aviator card was opened and that card ends in XXXX. The Duplicate card ending XXXX was opened erroneously on XXXX 's end. It looks like your customer care agents mistakenly closed the card ending in XXXX instead of XXXX, but the error is not removed from my credit report. 
My credit report shows XXXX Barclays aviator card accounts. I have attached proof two Barclay aviator cards on my XXXX credit report.
Product: Credit reporting or other personal consumer reports

Experian, XXXX XXXX, and has failed to fulfill its legal obligation under the Fair Credit Reporting Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. TThe CFPB has recently filed a law suit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of outcomes. These failures have aligned with my experiences where the above mentioned creditors has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit. I am requesting the immediate corrective action to remove or amend the disputed accounts. As these acts violates federal law and my rights.
Product: Bank account or service

I opened a Citibank checking account in association with a XXXX ThankYou point bonus promotion. When I opened the account, I confirmed that the promotion code was linked to my account through secure messaging. When I completed the requirements of the offer, again, I confirmed that I completed the requirements and was eligible for the offer. I waited the amount of time they told me, and when that time elapsed, I inquired again about the posting of the XXXX point bonus to my account. At that time, they said I was ineligible and denied me the bonus.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : EQUIFAX Account Name : XXXX XXXX XXXX Account # : XXXX Balance : {$7600.00} Date Opened : XX/XX/XXXX Account Status : closed Account Name : XXXX XXXX XXXX  XXXX Account # : XXXX Balance : {$1100.00} Date Opened : XX/XX/XXXX Account Status : open Account Name : XXXX XXXX XXXX  XXXX Account # : Balance : {$2400.00} Date Opened : XX/XX/XXXX Account Status : open Account Name : XXXX XXXX XXXX XXXXXXXX Account # : XXXX Balance : {$380.00} Date Opened : XX/XX/XXXX Account Status : open Account Name : XXXX XXXX  Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : closed Account Name : XXXXXXXX XXXX XXXX Account # : XXXX Balance XXXX {$2600.00} Date Opened : XX/XX/XXXX Account Status : open Account Name : XXXX XXXX XXXX  Account # : XXXX Balance : {$590.00} Date Opened : XX/XX/XXXX Account Status : open Account Name : XXXX XXXX  Account # : XXXX Balance : {$260.00} Date Opened : XX/XX/XXXX Account Status : closed Account Name : XXXX XXXXXXXX XXXX XXXX Account # : XXXX Balance : {$640.00} Date Opened : XX/XX/XXXX Account Status : open Account Name : XXXX XXXX  Account # : XXXX Balance : {$910.00} Date Opened XXXX XX/XX/XXXX Account Status : closed Account Name : XXXX XXXX  Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account Status : closed Account Name : XXXX  Account # : XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX Account XXXX : closed UNAUTHORIZED INQUIRE ( S ) EQUIFAX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX, and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the XXXX and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Fair Credit Reporting Act promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so it be it, and ; Fact, I demand that the following inaccurate/incomplete and unauthorized information be deleted off my credit report immediately : Notice, it is a fact, CREDIT MGMT failed to follow procedures under 12 CFR 1022.42 account must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CREDIT MGMT Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Notice, it is a fact, account does not provide date of first delinquency must be removed under 15 USC 1681s-2 ( A ) ( 5 ) duty to provide notice of delinquency of accounts. 
CREDIT MGMT Account Number : XXXX As a consumer by law this account must be deleted immediately. 

Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge. 
On the date XX/XX/2022 XXXX XXXX, agent, XXXX XXXX XXXX XXXX came before me today present as flesh and blood living being ( non-entity/non debtor ) under oath to the most high of creation only and provided the facts listed herein.
Product: Credit reporting or other personal consumer reports

XXXX XXXX, XXXX : XX/XX/XXXX : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal mobile phone account opened at XXXX XXXX on XXXX, XXXX under the account number ( XXXX ) with a balance of ( {$3200.00} ), an account opened at XXXX on XXXX, XXXX under the account number ( XXXX ) with a balance of ( {$2200.00} ), a personal loan account opened at XXXX on XXXX, XXXX under the account number ( XXXX ) with a balance of ( {$720.00} ), and a collections account opened at XXXX ( Account Number : XXXX ) on XX/XX/XXXX with a balance of ( {$320.00} ), a collections account opened at XXXX XXXX XXXX ( Account Number : XXXX ) on XX/XX/XXXX with a balance of ( {$480.00} ), a collections account opened at XXXX ( Account Number : XXXX ) on XX/XX/XXXX with a balance of ( {$160.00} ). These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

We applied for two separate XXXX Mastercards for XXXX XXXX and XXXX XXXX. The MasterCard  promotion was offered through a link from the XXXX XXXX  website ( See Attachment A ). The credit card promotion consisted of a {$100.00} Statement credit ( see attachment A ) with an annotation to see the Terms and Conditions to receive the {$100.00} credit ( see Attachment B & C " NEW ACCOUNT OFFER ). XXXX XXXX applied for the card on XX/XX/19 via the XXXX XXXX  " Apply Now '' link ( also see Attachment A ) and received it on XX/XX/19. XXXX XXXX applied for the exact MasterCard onXX/XX/19 also using the XXXX XXXX " Apply Now '' link and his account was approved awaiting receipt of card.

XXXX  upon receiving and activating the card sent an E-mail to Barclays Bank ( the issuer of the card ) confirming the {$100.00} credit for each of our XXXX MasterCard Credit cards as we were preparing to buy tickets for a flight on XXXX.

We received two replies from Barclay 's Bank.The first onXX/XX/19 the second onXX/XX/19 informing us that we ( XXXX and XXXX ) were not going to receive the {$100.00} credit as " we did not apply for the XXXX XXXX Master card  '' ( See Attachment D & E ).

We contacted BARCLAY 'S Bank at XXXX and tried to resolve this issue. We conveyed to the Barclay 's Customer Service Representative that the link from XXXX XXXX for applying for the XXXX card ( promoting the {$100.00} statement credit ) automatically brings you to only one application process that being for the XXXX MasterCard. There was no other MasterCard offered except for the one we applied for and immediately approved for. The representative advised us that there was nothing that he could do reference the {$100.00} credit for each account.

We advised the Barclay 's Representative that we would consider filing a complaint with CFPB for the false and misleading MasterCard promotion.The Customer Service Representative indicated that Barclay 's would not credit our accounts for the aforementioned {$100.00} statement credit but we could earn miles if we spent at least {$1000.00} in the next 90 days. We advised him we would not have opened the XXXX Master card account if we didn't believe we were going to get the {$100.00} credit statement Following this conversation we did prematurely cancel XXXX XXXX MasterCard Account.
Product: Credit reporting or other personal consumer reports

XXXX, EQUIFAX, AND XXXX are inaccurately reporting the account ( XXXX XXXX XXXX XXXX ) as a debt when it is income. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate and it must be removed! 
15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 
Not only is this account reported as a charge off ( income ). In the Comment section of the EQUIFAX consumer report, this account is listed as " medical '', ONLY on this EQUIFAX consumer report and not the other two. The reported income is not related to anything Medical and therefore is inaccurate.

XXXX XXXX XXXX acco unt MUST be removed from my consumer report! 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax, Transunion, & Experian are not maintaining reasonable procedures.

15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies Equifax, XXXX, & XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 

I have attached a screenshot from Publication 4681 ( XXXX  ) from the IRS, as well as, the associated XXXX XXXX XXXX account that is inaccurately reported on my consumer reports
Product: Payday loan, title loan, personal loan, or advance loan

I have a dental first loan from Commenity bank, XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX, XXXX. I was at the dentist and the dental office suggested i take out this financing. I sign up for this financing at the office with no paperwork to read or know any financing traps this bank has. I have only spent XXXX on this and they slapped a XXXX finance charge on my account in XXXX. I did not approve or was aware of all this balloon interest or I would have never signed up for this at the dentist office. Nothing was explained to me about this account except it would be a supplement to my dental insurance. I saw no paperwork! This bank refuses to remove this XXXX and i refuse to pay XXXX for XXXX. 
I will provide documents when asked. I am waiting for mail from them. I will print out my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit card or prepaid card

so I have been fighting this with pay pal credit for a year and half I have proof from XXXX there was tampering with this computer and my warranty was voided and I had to pay XXXX to get my computer fixed. I have the proof from XXXX and no one is listening or take s my complaint seriously Synchonary took over I sent arbatration papers on XX/XX/XXXX to pay pal credit certified mail its been over 30 days and they never repsonded to my legal papers then I get a letter from XXXX XXXX saying after careful consideration we are still denying your claim I have the proof from XXXX and they refuse to do anything I have called XXXX XXXX several times over the last month and left voice mails she refused to get back to me at all then she send me a letter on the XXXX of XXXX saying here is my number call if you have or questions or if you wan na send this to Arbatraiton I have left several messages with her that she never returns why does she say call her when she dosent return a message ever!!!!!!
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. 



XXXX XXXX XXXX Bankruptcy Case Number : XXXX XXXX XXXX XXXX  Bankruptcy Case Number : XXXX XXXX XXXX Bankruptcy Case Number : XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account Number : XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. 

PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 4810-AM-P BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Debt collection

I PULLED MY CREDIT REPORT AND SAW THAT A COMPANY NAMED JEFFERSON CAPITAL SYSTEMS SAYS I OWE XXXX. I HAVE NEVER HAD A XXXX CARD. I AM ASKING THAT THEY REMOVE IT FROM MY FILE. THE ADDRESS THEY HAVE ON FILE IS NOT MY ADDRESS.