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

I am writing to delete the following information in my file. The items I need deleted are listed in the report and below. 
I am a victim of identity theft and did not make nor approve these inquires. I demand that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. 

According to " 15 U.S. Code 1681q. Obtaining information under false pretenses '' it states " Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both. '' I feel these companies should be liable for the false pretenses they took upon my account. The following inquiries should be removed at once. 

Fraudulent Inquiries : Inquiry Name : XXXX XXXX Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX XXXX Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX  XXXX Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX  XXXX Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX  XXXX  XXXX Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX XXXX XXXX Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX  XXXX XXXX XXXX Inquiry Open Date:XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Open Date:XXXX Inquiry Name : XXXX XXXX XXXX Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX XXXX Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX XXXX XXXX  XXXX  Inquiry Open Date : XX/XX/2021 Inquiry Name : XXXX XXXX XXXX XXXX Inquiry Open Date XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

I have been the victim of identity theft, which has resulted in unauthorized and inaccurate information appearing on my credit report with XXXX, XXXX, and XXXX. Specifically, my personal identification information, including my Social Security number and other personal details, have been used without my consent. These unauthorized accounts and inquiries have severely impacted my creditworthiness and were reported by these agencies without proper verification or my authorization. Despite my requests for the removal of this information, XXXX, XXXX, and XXXX continue to maintain inaccurate information. I do not want a fraud alert placed on my account, but I am seeking the immediate deletion of the fraudulent accounts and inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a request to investigate inaccurate accounts on my credit profile on XX/XX/2019, it has now been years since I sent my inquiry but I have yet to receive a response. I'm looking to purchase a home/car and the inaccurate information on my profile are stopping me from achieving my dreams.
Product: Mortgage

My mother XXXX XXXX got behind on her mortgage due to XXXX. She was in the process of doing deferred payments with XXXX XXXX XXXX  when the mortgage was sold to shell point mortgage servicing. My mother then suffered a XXXX XXXX XXXX XXXX  and has ended up in a XXXX home and is unable to sign documents for herself. I have power of attorney granted to me in 2019  after one of her other XXXX  the paperwork is signed and filed with the Colorado XXXX systems but Shellpoint Mortgage is refusing to acknowledge or honor the power of attorney and will not speak to me about the deferment arrangements or payment amounts needed. Despite sending them copies of the signed and filed power of attorney papers. Shellpoint mortgage representatives continue to tell me I have not sent appropriate paperwork because it is not notarized at the time of her signature in 2019. I have been advised by the Colorado XXXX systems the power of attorney papers do not need to be notarized to be legal in the state of Colorado. I am scared that Shellpoint Mortgage is going to take my mothers home before we can get her well enough to get her out of the XXXX home she is in now. We are struggling to work with them and are not able to make the XXXX dollar payment they want to cure the default mortgage. I want Shellpoint Mortgage to acknowledge my power of attorney papers and continue to work with us on the deferred payments or refinanced loan to show that we have caught up the three payments that my mother was behind for XXXX XXXX and XXXX and have continued to make timely payments and allow my power of attorney papers to stand for me to make decisions payments and sign documents on my mothers behalf for this mortgage loan.
Product: Mortgage

Fay Servicing , LLC was my mortgage servicer. I sold my property last year and my escrow account was settled and closed on XX/XX/XXXX. On XX/XX/XXXX, I'd received a notice from my insurance company that my insurance refund of {$590.00} was issued on XX/XX/XXXX to Fay Servicing. I was told to contact Fay Servicing for my insurance refund. Due to NY state law, XXXX can not directly issued me my refund. They are required to issue it to Fay Servicing , LLC. On XX/XX/XXXX, I called Fay Servicing and requested my insurance refund. Fay Servicing denied receiving the refund check from XXXX and requested that I provide proof, a copy of the refund check issued by XXXX, before they can expedite my insurance refund. I obtained a copy of the refund check and e-mailed the copy to Fay Servicing as requested. After submitting proof, as requested, I was still denied my insurance refund. I called XXXX and informed them of the situation and requested a fraud referral. I was told it will take up to 90 days for the investigation to complete. I followed up after 90 days but was met with more delays. Finally, on XX/XX/XXXX, I was able to get through and was informed that XXXX had issued a second refund check to Fay Servicing , LLC on XX/XX/XXXX. I was given the number to Fay Servicing XXXX Department, which I called and confirmed that Fay Servicing did received the refund check from XXXX. I called back to Fay Servicing customer 's service # and requested my insurance refund and they denied receiving the 2nd refund check from XXXX. I sent a copy of the 2nd refund check to Fay Servicing customer service, as requested, and they still will not issue my refund. I was told they will get back to me, but it's been over a year and still no resolution and I am back to square one. Please help!
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX my credit score dropped XXXX points after I lowered my credit utilization to 8 %. I tried repeatedly to log into my TransUnion account to view my credit report but received an message saying Were sorrythere was an unexpected error. This is not the first time I have filed this complaint. Since the CFPB seems it will not protecting consumers I a filed a lawsuit request in my states small claims court. I will be using this complaint and the many others I have filed against credit reporting companies to support my claim.
Product: Debt collection

I do not owe this debt, I am 100 % sure. The short, vague description they provide from the debt is enough for me to know it's not mine. They are causing damage to my credit report/score that I don't deserve. 
I don't have documents to provide obviously, since this debt is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX 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.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

By reporting these inaccuracies you are in violation of 15 USC 1681b ( a ) ( 2 ) ; for a consumer reporting agency may furnish a consumer report under the following circumstance and no other : in accordance with the written instructions to the consumer to whom it relates. 
EQUIFAX has in fact knowingly furnished my consumer report with inaccuracies multiple times without having wet ink, written instructions to do so. These actions have caused my family and i great deal of injury. 
Furthermore, I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACT Title 1 sec. 151.
Product: Credit card or prepaid card

On XXXX XXXX XXXX I opened a Citibank checking account with a credit card/debit card. I received notification of the promotion through the Citibank App. The promotion was for me to deposit {$10000.00} and utilize my credit/debit card a min of 3 times for at least {$500.00} in a 3 month period. For those transactions, I would receive XXXX XXXX XXXX XXXX points. I have never received these points. I have tried on numerous occasions to contact Citibank whereby they transfer me to multiple departments who in my last conversation sent me to XXXX XXXX who also was unable to help me.
Product: Bank account or service

I started the weekend with my account at XXXX dollars. I had my rent come out on monday which was XXXX During the weekend I deposited money that I knew would not be available until tuesday. On tuesday the money was made available from my deposit. Also on tuesday my transactions from the weekend posted. According to my account history provided by the bank to me, Before any transactions posted I carried a balance of XXXX dollars. I had XXXX transactions post all of which were less than the amount of the deposit I made over the weekend. According to bank policy which was verified to me by the bank manager transactions post from large to small. therefore i had enough funds to cover all transactions, and my bank register confirmed so. However, I was charged with almost XXXX dollars in overdraft fees. Furthermore, I am having issues with getting more fees and dishonored payment fees because the banks original overdraft fees made me go into the negative almost XXXX dollars. The bank claims no refunds unless bank error. I argue that it is a bank error because i had the funds available to cover all transactions. I spoke with the teller and manager as well as customer service. I was hung up on by customer service when the issue was brought up.
Product: Credit card

We are disputing the practice of charging interest on payments made in advance of the due date indicated on the credit card statement. KeyBank is now requiring commercial credit card account payments made at branch office be made at least XXXX hours prior to the due day on the statement to allow for the payment to be posted. Meanwhile, the check payments are being processed and clearing the bank prior to the late fee being added. It is an unusual practice that is not consistent with KeyBank 's marketing. 

The XXXX credit card payment due on XX/XX/XXXX was made at the Key Bank Branch office, XXXX XXXX XXXX XXXX, XXXX on XX/XX/XXXX at XXXX XXXX. with a due date of XX/XX/XXXX. The check cleared the bank on XX/XX/XXXX as well. A late payment of {$96.00} was applied on XX/XX/XXXX. 

The XXXX credit card payment due on XX/XX/XXXX was made at the same branch office on XX/XX/XXXX at XXXX and the check cleared our bank on XX/XX/XXXX as well. A late of {$2.00} was applied on XX/XX/XXXX. 

KeyBank has a statement on their website saying that payments made in branch will be effective the same day. 

As the bank is in possession of the payment made in full prior to the due date, we don't believe the late charge should be applied.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2022, I visited the Citi Bank in XXXX, FL. The purpose for my visit to Citi Bank was to try to obtain a secure credit card subsequent to credit sabotage connected to identity theft and fraud. I am trying to fix a problem I did not create. I met with an otherwise professional and pleasant Citi Bank representative. We engaged in substantial conversation. I would like to make a disclaimer statement and say I did not receive the Citi Bank representative 's questions as malicious. I am submitting this Consumer Financial Report Bureau complaint to officially request the immediate cease of asking consumers prohibited questions under law to eliminate liability in connection to the approval or denial of requested products, goods and services. Bankers, credit Lenders, housing representatives etc., have asked me questions related to : sex/gender, marital status, race, color, religion, national ( and/or ethnic ) origin, and/or age prior to applying for products, goods or services. This is illegal and unfair, even if the bank 's reason to approve or deny products, goods, or services are legitimate. The continuation of the practice of asking consumers prohibited questions greatly jeopardizes the integrity and credibility of the entire business and employees within the establishment. The consumer can not help but wonder if they provided the " wrong '' answer resulting in the following denial of services and the doubt is caused by the employees asking the prohibited questions, and creates credible liability. According to the Equal Credit Opportunity Act financial institutions and other firms engaged in the extension of credit are REQUIRED to make credit EQUALLY available to all creditworthy customers without regard to sex/gender/orientation, marital status, parental status, race, color, religion, national/ethnic origin, and/or age. As the consumer, financial institutions are required to provide consumers with any and all applicable disclosures, rights, and notifications in good faith in honoring Consumer Credit Protection Act as well as other laws. It is best practice for all bankers, credit lenders, and housing representatives to cease asking consumers prohibited questions that are irrelevant to the direct product, goods, and services at any time to avoid liability and maintain the integrity, and credibility of the business application process. According to the regulation the treatment of consumers who have initiated the application process is considered even before the application is started. Bankers, Lenders, and Housing representatives must NOT take ANY action that would discourage anyone from applying for a loan/credit, product, goods or services. In my case, Citi Bank denied my good-faith request for a secure credit card AFTER I was asked the prohibited question ( s ).
Product: Debt collection

I have sent a few letters to this company via certified mail with return receipt in regards to the consumer credit transaction and financed charge in connection with this account that have yet to be properly investigated or responded to. Furthermore they continue to charge, add fees and report to CRA inaccurate deceptive information about my consumer transaction while in the middle of an unresolved dispute after written notices was sent to out with instructions no to do so
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED TO BE PROVIDED WITH THE METHOD OF VERIFICATION THEY USED TO VERIFY THIS INQUIRY OR DISPUTE INQUIRY MUST BE REMOVE/DELETE A summary of the results are listed below : ID : Current Address THE CURRENT ADDRESS HAS BEEN ADDED/UPDATED PER THE INFORMATION PROVIDED. Inquiry : XXXX XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. Inquiry : XXXX XXXX, XXXX XXXX INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. IN REFERENCE TO YOUR QUESTION REGARDING INQUIRIES : INQUIRIES ARE A MATTER OF FACT AND ARE NOT ROUTINELY REMOVED FROM THE CREDIT FILE. THEY ARE A TRACKING RECORD AND A REQUIREMENT OF THE FAIR CREDIT REPORTING ACT. THEY MUST REMAIN ON THE FILE FOR TWO YEARS FOR EMPLOYMENT PURPOSES AND ONE YEAR FOR OTHER PURPOSES. HOWEVER, IT IS OUR POLICY TO RETAIN ALL INQUIRIES FOR TWO YEARS. INQUIRIES ARE ALSO FOR THE CONSUMERS BENEFIT, AS YOU HAVE A RIGHT TO KNOW WHAT FIRMS HAVE ACCESSED YOUR CREDIT FILE.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
WELLS FARGO DEALER SVC ******** XXXX Date Opened : XX/XX/16 Balance : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened an account ( residential account ) with XXXX XXXX XXXX XXXX ( known today as " XXXX '' ) in XX/XX/XXXX. I personally went to this company and closed the account in XX/XX/XXXX ( I am attaching evidence ). During the last years, this account appeared in my XXXX credit report in the " Closed Accounts '' section until it was removed from my XXXX credit report. Recently ( since XX/XX/XXXX ), this account was added to the " Open Accounts '' section when it was closed and removed from my credit reports. I submitted a dispute with XXXX along with an evidence letter. The evidence letter stated that this account was closed and that it has {$0.00} balance. Unfortunately, XXXX did not accept this evidence so as to remove this account from my credit history. I called again to XXXX and they asked me for another kind of letter ( Credit Correction Letter ). Then I called again to XXXX and they informed me that they " will '' send a Credit Correction Letter. Originally XXXX informed me they sent the letter but they did not. Attached you will find evidence that I went personally to XXXX in XX/XX/XXXX to ask for a letter as an evidence that this account was closed in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was used without my permission
Product: Credit card or prepaid card

TRANS UNION ( AKA " TU " XXXX HAS BEEN STEALING MONEY FROM MY XXXX ACCOUNT!!!!!!!!! AGAIN!!!!! NEW STEALING BY TU HAPPENING THIS YEAR!! ( 2020 ) Dear CFPB - I have to keep this brief - because I am suffering from eye problems!!!! & because I need to write other letters to other people about other things! 

I have filed more detailed complaints about TU before! I will file more detailed complaints about TU later! For now - I need to keep this short! 

I cancelled tu 's so-called " service " months ago! 

I made it clear that they were NOT - repeat! NOT!!! allowed to take any more money from my accounts! 

Apparently - - - tu used a different merchant id to steal more $ $ $ from my account!!!!!!!
Product: Credit reporting or other personal consumer reports

Despite evidence that this is an UNLIQUIDATED debt in dispute in state court your XXXX XXXX XXXX XXXX, NY XXXX employees and your XXXX XXXX XXXX XXXX, IL XXXX employees continue to report inaccurate information on my credit report. I have contacted and will continue to contact every state and federal government agency available to enforce the laws you keep breaking for the obvious intended purpose to cause me harm. Several AGs, the FDIC, corporate oversight agencies and anyone else I can find to put a stop to your criminal behavior against me, have already been given my complaint in state court outlining your continued violation of credit reporting laws, FDCPA violations, deceptive biz practices, slander lible negligence to name a few. So I beg you to stop reporting inaccurate credit information, 2 months late status, the wrong address on the debt, the wrong month it was sold, the wrong agency that insures it because this debt is no longer with XXXX XXXX, the wrong monthly payment because u never paid ins in escrow XXXX, the wrong number of payments because I never made a payment and cant because it was fraudulently induced, and more. So please I beg you stop reporting this debt to the credit bureaus. Its just mean and intended to and does cause me harm.
Product: Mortgage

Ocwen said I was be hind on payments and I was not and they add a balloon payment to me also new company filed for closer and then with Drew it back in XXXX need help please XXXX my name is XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX