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

Flagstar bank reported me being 30 days late for XXXX XXXX on loan # XXXX due to a confusion caused by their failure to send me a service transfer notice within the time expected. 
Flagstar and their subsidiary company XXXX XXXX have been servicing both of my loans for he properties I bought at the same time in XXXX. 
Property addresses and loans : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : Loan # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX : Loan # XXXX I have been consistently making payments for these two loans under the XXXX website first and then under Flagstar up until XX/XX/2024. Flagstar for some odd reason also utilizes XXXX to make payments and to log in to pay these loans. At first, this created confusion to figure out which website to go on to pay the loans but then the system would allow only Flagstar to pay the loans. Then, without me receiving any notice Flagstar only sold 1 loan # XXXX, to XXXX XXXXXXXX XXXX apparently in XXXX. When I logged in to Flagstar the system advised me they have sold the loans to XXXX XXXX XXXX and they will longer accept my payments and I had 60 days to make payments accordingly. Then XXXXXXXX XXXX only showed the loan they had purchased, but not the other loan which I did not know it had stayed with Flagstar. When I realized the confusion, caused by their failure to send me notification and the 3 websites servicing the loans, I logged back on Flagstar to make the XXXX payment. This payment was not I effect until a few days past the 30 days due to the confusion. I requested Flagstar to recall the 30 day late report and they said the payment was late and did not care whether or not the servicing notice was received by me or not. 
I am entering this complaint to seek support to ensure Flagstar Bank makes amendments to their policy regarding transferring service notices and the two websites they use to make payments for other consumers and recall my 30 day late report to the credit bureaus.
Product: Credit reporting or other personal consumer reports

I was on XXXX looking at options for personal loans. I called one of the partners of XXXX who offered a pre-qualified loan. The entity was One Main Financial who I called to get information on the process and the steps if I wanted to submit an application to process for a loan. I never gave them authorization to pull my credit file. I received an email from One Main Financial stated that they denied my application. I didn't submitted information to that database to process a application. This submission was fraudulent done in tactics to harm my credit file.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX   Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX & XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX Equifax Information Services, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear Equifax, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report XXXX 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX I previously disputed this inquiry stating : " I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. '' I don't agree with the results of your investigation. 
Please mail me the proof of your investigation and proof of the inquiry for this account, or delete the negative information in this account. 

Inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In accordance with the fair credit Reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on my credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

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 and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given you that was written, unwritten, verbal, or nonverbal per 15 USC 6802. Any and all consent to Equifax, XXXX, XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. According to 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Debt collection

I was looking for information on this collection debt but they said they couldnt find anything on this. So Im just trying to get this removed off
Product: Credit reporting or other personal consumer reports

XXXX A XXXX XXXX ] [ XXXX XXXX XXXX # XXXX ] [ XXXX, RI XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/XXXX ] [ Experian ] XXXX XXXX XXXX ] [ XXXX, TX XXXX ] Subject : Dispute of Inaccurate Information on My Credit Report Dear Sir/Madam, I am writing to formally dispute the inaccurate information that is currently reported on my credit file. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any discrepancies that may exist in my credit report.

Upon reviewing my credit report, I noticed the following accounts that I believe are inaccurate and must be corrected or removed : 1. : [ XXXX XXXXXXXX XXXX XXXX ] Account Number : [ XXXX ] Reported Date : [ XXXX, XXXX ] Reason for Dispute : [ " This account is not mine ] I request that you conduct a thorough investigation of these entries and remove or correct any inaccurate information according to the guidelines set by the FCRA XXXX Under FCRA Section 1681i, you are required to complete the investigation within 30 days of receiving this dispute, and you must provide me with the results of the investigation. 

Please inform me of any action taken in response to this dispute and provide me with an updated copy of my credit report once the investigation has been completed. Should you require any further information or documentation to support this claim, please let me know immediately. 

Thank you for your attention to this matter. I look forward to receiving confirmation that the necessary corrections have been made to my credit report. 
Sincerely, [ XXXX XXXX XXXX ]
Product: Student loan

I received a letter stating that one of my employment filled out the application incorrectly. Ive tried to get in contact with Mohela to rectify the situation and Im unable to get through anyone. Its asking for SSN and once I put it in, Im not in their system. Ive tried calling and its the same thing. Ive tried the get information online and its saying the same thing My information can not be found in their system. This is extremely frustrating as I have completed employment verification every single year. I have no idea how many counts I have or nothing that has to do with my loan. The provider XXXX has no information on Mohela and can not help me
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX, XXXX XXXX Social Security Number : XXXX Consumer Date of Birth : XX/XX/year> What happened ( statement of pertinent facts ) : Contents of Complaint : 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 : XXXX. A charge-off account at XXXX XXXX under the account number XXXX. 
XXXX. A charge-off account at XXXX XXXX under the account number XXXX. 
XXXX. A late payment account at XXXX XXXX under the account number XXXX. 
XXXX. A collection account at XXXX under the account number XXXX. 

I do not recognize the aforementioned accounts and collection as reported. The aforementioned accounts and collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collection are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collection are the result of identity theft and fraud.
Product: Debt collection

On XX/XX/2018 this debt for {$600.00} appeared on my credit report. I have no knowledge of this debt. I am requesting a signed confirmation with my signature that I opened this account. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting on my credit report. Please don't respond to my request by saying that this account has been verified. Send me copies of the documents that you have in your files that were used to verify this account. If you do not have any documentation in your files to verify the accuracy of this disputed account then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for the account listed within 15 days of receipt of this then you must remove the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, I sent a letter to Experian requesting that they remove all closed accounts, all accounts that are older than XXXX years or all unverified accounts. I received a response from Experian, however, it was n't what I asked for. They only sent me a credit report. The report had nothing removed, deleted or updated. Nothing. 

XXXX XXXX XXXX XXXX XXXX XXXX. Should be removed.
Product: Credit reporting or other personal consumer reports

It has come to my attention that despite my repeated efforts to rectify this situation, these erroneous and vexatious entries continue to tarnish my credit history. This blatant disregard for accuracy and fairness on your part is completely unacceptable. 
XXXX XXXX XXXX It is my right, as a consumer, to have a fair and accurate representation of my credit history. The presence of these fraudulent accounts not only damages my financial reputation but also disrupts my ability to access credit, obtain favorable interest rates, and secure opportunities that should rightfully be available to me. Your failure to address this matter adequately has not only caused me substantial inconvenience but has also undermined the very purpose of credit reporting agencies.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. 
[ Collection Agency Address ] [ City, State, ZIP Code ] Subject : Formal Dispute & Cease Communication Request Violation of 15 U.S.C. 1692c ( c ) To Whom It May Concern, I am formally disputing the account listed below and requesting its immediate deletion from my credit report under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) : Creditor Name : XXXX XXXX XXXX XXXX XXXX. 

Amount : {$XXXX} Under 15 U.S.C. 1692c ( c ) of the FDCPA, I am exercising my right to refuse to pay this alleged debt and demand that you cease all communication with me regarding this account. XXXX XXXX XXXX has a well-documented history of failing to provide proper debt validation before illegally placing accounts on consumers ' credit reports. The company has been sued multiple times for FCRA and FDCPA violations, including for misrepresenting debt ownership and reporting inaccurate information. 

Pursuant to 15 U.S.C. 1692g, I demand that you provide full validation of this debt, including : A signed agreement with my original signature proving my contractual obligation to this debt. 

A full accounting of all charges and payments made toward the alleged debt. 
Proof of your legal authority to collect this debt and report it to the credit bureaus. 
If you can not provide proper validation, per 15 U.S.C. 1681s-2 ( b ), you are required to immediately delete this account from all credit bureaus ( Experian, Equifax, and TransUnion ) and cease all collection activities. Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my state Attorney General 's office. 

I expect written confirmation within 30 days that this account has been permanently deleted. 

Sincerely, XXXX XXXX XXXX
Product: Mortgage

We are experiencing medical hardship due to a medical XXXX. When we became 2 months behind on our payment we notified the loan servicer, Caliber Home Loans of our efforts to resolve our balance and keep our home and provided proof of the medical hardship. We also requested payment options but were denied. Therefore we resumed making our monthly payments. However, Caliber kept reversing our payments and claiming we incurred NSF fees because we didnt have enough funds in the bank ; which wasnt true at all. We checked numerous times with our financial institution and ensured all payment information were accurate. We requested numerous times over the phone and in writing, that Caliber investigate the back to back payment reversal errors and remove the fees associated with them. They refused to remove any fees or investigate the errors since we first discovered them in XX/XX/XXXX. There are approximately 4 or 5 payment reversals on our account. Caliber has refused to respond to our numerous written requests regarding this. Yet, in XX/XX/XXXX, Caliber flagged our account as foreclosure status and blocked our ability to submit our regular full monthly mortgage payment amounts. In XX/XX/XXXX, when we had saved up more the past due balance, we requested a formal reinstatement payment amount and discovered that Caliber Included all of the NSF fees, along with late fees and attorneys fees into the balance. We then couldnt afford to reinstate as we expected. We asked for payment plans and were refused payment options. Weve submitted numerous loss mitigation applications, but Caliber denied them and stated we needed to wait until our account has been with them for 12 months from our first payment date. As soon as we reached the 12 month period, we submitted a complete loss mitigation application to Caliber. They refuse to confirm that they have received a complete loss mitigation packet as they have done before, and refuse to offer us loan modification option. Its been two months and weve demanded a response regarding our eligibility for loan modification and the results of the payment reversal, still they refuse to respond to our requests.
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX XXXXXXXX Balance {$1300.00} XXXX XXXX XXXX Balance {$150.00} XXXX XXXX XXXX Balance {$510.00} XXXXXXXX XXXX XXXX Balance {$17000.00} XXXX XXXXXXXX Balance {$13000.00} XXXX XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting or other personal consumer reports

XXXX, XXXX XXXX Transunion have violated my rights as a consumer, According to 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. '' These accounts are an adverse item, theyre reporting on several occasions without my permission which is against the law. 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. 
Also within the title 15 U.S. Code 1681 ( a ) b Consumer Report. 
( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for In addition to this section, 15 U.S. Code 1681a - Definitions ; rules of construction ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report I have also to the actions of trying to inform these companies on their inaccurate personal information and was met with resistance. 
These actions has caused damage 's to my life, with a few examples of my applications being denied in a time of a need also not being able to support my family in a health crisis .To which has also inflicted emotional damages of XXXX in reasoning that I can not find somewhere affordable to live.
Product: Credit reporting or other personal consumer reports

XXXX, equifax XXXX XXXX data furnishers are reporting inaccurate, irrelevant & outdated information on my credit report, all values arent correct. My balance from drivers financial is currently XXXX & there are NO LATE PAYMENTS but on my report these companies are furnishing inaccurate information such as late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX & that my current balance across all credit bureaus are inaccurate which are ( XXXXXXXX XXXX ), ( XXXX XXXX ) ( Equifax XXXX ). As stated before my current balance is XXXX with no late payments on my report. The consumer law states any inaccurate information shall be removed & updated within 15-30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Bk does not belong to me and it's ruining my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX; XXXX XXXX; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX Balance : {$85.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$1200.00} ; XXXXXXXX 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

On the XXXX of XXXX I went to my local branch to enquire in Good Faith. For a line of credit lone to help with personal use for a opportunity to help for education to help leave a family legacy. With all that I have been needing to accomplish, this was the final piece to the puzzle. My brighter future as CONSUMER to pull myself up buy my boot striped and achieve the American Dream. But unpronounced to me that dream would be burned to the ground by a fictitious report that should not. Hold any bearing of my character. The company that I would be working for is a dream for me to have because it would allow for all of my needs to be met.I have been discriminated against feeling the loss of HOPE as a single XXXX mother in this Heartless world of Thieves. There responds was well over 30 days and it's no wonder why because they only believe FALSE CLAIMS against people that a CRA reports with out any significant or consent.. This is a crime and whoever they are that have committed this crime I need CONSUMER justice.