23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

my mortgage was sold or transferred to another company without any notice to me. I called today our mortgage servicing company ( SPS Inc. ) ( XXXX/XXXX/15 to make the monthly payment and was told that it was no longer with them ( SPS INC ) I was told it was now with XXXX XXXX XXXX XXXX, when I called XXXX I was told there was no loan with them. I called SPS back and was told that a letter was sent to me on XXXX/XXXX/15 we never received any letter from them or a letter from XXXX saying they now have our mortgage. On XXXX XXXX I called SPC Inc. spoke with our case manager XXXX XXXX, to inform SPS that I changed home owner insurance and wanted to inform them of the new company I was never told that our mortgage was transferred to another company. I received our loan statement dated XXXX/XXXX/15 for the XX/XX/2015 payment ( see attached ) the post mark on the envelope is dated, XXXX/XXXX/15. why would SPS send us a statement requesting payment to them for XXXX/XXXX/15?, SPS ; states that a letter was sent to us on XXXX/XXXX/15 saying our account was transferred to XXXX?? we never received a letter from SPS to this date nor have we received any correspondence from this so called XXXX XXXX. my complaint is, is it legal to do business this way?. Just who do we pay our mortgage to? we are trying to establish our credit status to apply for a VA loan this can do harm to our credit worthiness ( this is a FHA loan ) please help us resolve this issue. thanking you for your prompt response to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account does not have LAST DATE OF ACTIVITY. Please delete ASAP. 

XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

I am disputing the XXXX XXXX account on my credit report, which is inaccurately showing a collection balance of {$620.00}, past due as of XX/XX/scrub> 2024. This account was opened in XX/XX/year>2024, and the original creditor is listed as XXXX  XXXX XXXX N.A. 

In XX/XX/year>2024, I initiated a dispute because the account was incorrectly reported and no proper validation of the debt was provided. Despite this dispute, the account was updated in XX/XX/year>2024 without any verification or proper documentation being offered.
Product: Mortgage

Sometime in XXXX of XXXX, my husband and I purchased a home XXXX. In XXXX of XXXX, we were approved by our then Mortgage Lender XXXX XXXX Bank XXXX for a Loan Modification, in which our payments would be modified for the principal and interest for the life of our loan in the amount of {$4000.00} monthly. In addition, I paid on my own Property Tax and Property Insurance for my home. Sometime in XXXX, Bank XXXX XXXX XXXX XXXX acquired XXXX XXXX Bank XXXX, and my loan was transferred to XXXX. Then sometime in XXXX our loan was then transferred to another Lender, which was XXXX XXXX, XXXX, XXXX XXXX XXXX this is when I noticed our payments were handled incorrectly. However, I was communication with both XXXX and XXXX, which they promptly assisted me with the discrepancies. During that time, my loan again was acquired by another mortgage company, Selene Finance XXXX ( Selene ). Prior to the loan transferring to Selene, XXXX provided me with an account activity summary, which clearly showed my loan was in good standing, and was not pass due. In fact, when it was transferred to Selene, my monthly payment due was at a zero balance. However, some where during the transition of my loan, a mistake was made within Selene, which caused my loan to become past due. But, this was not the case, because I continued to make the same loan payment that I had always made, and never changed my loan agreement. Therefore, there should not have been any discrepancies. But, I now feel Selene has mishandled our payments and applied them to someone else 's loan. In addition, they began to return my payments stating that my payments were not the correct amount of my loan, in fact, with the original checks that they returned to me, they also returned someone else 's Cashier 's Check to me, which was for a " Loan Modification ''. I would like to mention that I never requested for a Loan Modification with Selene, but this Cashier 's Check was for a Loan Modification for someone else 's account. Thus, we requested from Selene a reconciliation of our account, and to send us copies of our Tax Bill and Year End Escrow Account Statement, which we requested from them numerous times and for approximately 15 months later, we have not yet received any documentations of what we requested. Therefore, we are now asking for your assistance to this matter, because Selene has now decided to place our home under Foreclosure due to delinquent account. Despite our constant demands for an account reconciliation and our constant attempts to communicate with them, we have fallen XXXX due to the stress they have caused us. The representative that we spoke with at Selene was XXXX XXXX in which she requested from us our bank statements and cancelled checks, so that she could reconcile our account. We now believe this was NEVER done, because now they are attempting to foreclosed our home, when we are in fact current with our payments and have an overpayment due to us. 
I am pleading for your help with this sensitive matter. 
Thank you in advance and look forward to hearing from you.
Product: Debt collection

I am writing this to formally dispute the debt claimed against me by your company under the Uniform Commercial Code ( UCC ) as a holder in due course. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you! I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. You are a third party as defined by law and have no legal right to collect on this contract. According to legal definition provided by XXXX  from the XXXX XXXX XXXX A third party is a person who is a stranger to a transaction, contract, or proceeding If you're not the holder in due course you can not legally try to collect or enforce a claim against me. The law says that Under the UCC 3-302. HOLDER IN DUE COURSE. ( c ) Except to the extent a transferor or predecessor in interest has rights as a holder in due course, a person does not acquire rights of a holder in due course of an instrument taken ( i ) by legal process or by purchase in an execution, bankruptcy, or creditor 's sale!! How did you get my nonpublic personal information? What proof or evidence do you have to substantiate your claim? You are committing fraud and extortion as defined by federal law. It is illegal to try and force me to pay an alleged debt without providing me proof that I owe you. Please provide the original contract of indebtedness ( with my wet signature ) if indeed your claim is true. In addition, I would like for your company to show legal documents proving you have the legal right to collect on this alleged debt in my state and city. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. 

Collection Agency has not provided validation information under 12 CFR 1006.34 ( b ) ( 5 ) but yet they placed a collection on your consumer report.

You have not been given a chance to dispute account according to 12 CFR 1006.34 ( c ) ( 4 ) ( i ) Collection agency is violating your consumer rights by using false misleading, Misrepresentation and deceptive means. 
Collection agency has no authority to furnish any account to a consumer reporting agencies without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S 2 ( 7 ) ( A )
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXXXXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries XXXX || Date of inquiry : XX/XX/XXXX XXXX. XXXX || Date of inquiry : XX/XX/XXXX XXXX. XXXX  || Date of inquiry : XX/XX/XXXX XXXX. XXXX  || Date of inquiry : XX/XX/XXXX XXXX. XXXX  || Date of inquiry : XX/XX/XXXX XXXX. XXXX  || Date of inquiry : XX/XX/XXXX XXXX. XXXX  || Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 the 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 reseller. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

My previous complaint # XXXX. 
I'm still not able to make a payment to this company. Still racking up late fees and interest. I will NEVER do business with this company again. I've talked to my bank ( TVFCU ) and Barclay 's. No results... is there no one that can help?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had not used my Nordstrom credit card in a long time and in fact had misplaced it. I called to have a replacement card sent and waited for it to arrive. It never did. I called once again and requested a replacement and it finally arrived. The automated service was painful to navigate. 
I made purchases with my card. I called to activate my card and to activate XXXX XXXX. I asked about setting up auto pay and was told I had to do that through the website online and was given the website address. 
XX/XX/XXXX - I set up auto pay and made a payment for the full balance ( {$38.00} ) on my account through the website. 
I received the first billing statement dated XX/XX/XXXX for {$210.00} and there was a late payment posted along with a late payment fee ( interest charged {$3.00} ). Of note, the statement showed that a payment for {$38.00} was made. I then also received two letters by regular mail, both dated XX/XX/XXXX notifying me that my payment was declined and that I was unenrolled from auto pay. 
I called customer support to try to resolve this and was informed that my telephone number was listed as unreachable. I made a payment for the full balance of {$280.00} ( numbers dont add up ) on XX/XX/XXXX through the website and reenrolled in auto pay after confirming that my bank information is correct. 
Next billing statement on XX/XX/XXXX, the payments were declined and interest charged at {$4.00}. Attempts at resolving this over the phone failed. I was told I had to go to a store to make the payment. I returned some of my purchases and called to see if balance had XXXX. Then I was told I can pay the balance remaining over the phone. I paid using a debit card and requested my account be closed completely as I did not want to go through this every billing cycle. 
I applied for a credit card through XXXX on XX/XX/XXXX and was informed that Nordstrom had reported that I made a late payment so my application was declined. 
Multiple attempts with Nordstrom to have them delete this from my credit report failed. They said the reporting is accurate and that they tried to collect payment from my bank and failed. I informed them that no such attempts were made through my bank and asked them to provide proof of them trying to collect, they could not provide proof. They could also not provide proof that my bank information was incorrect. 
I feel it is unfair for me to be penalized and my credit damaged by a company that has a malfunctioning payment system that engages in fraudulent charging of late payment fees and malicious and vindictive behavior toward consumers who choose to terminate their financial relation with them.
Product: Vehicle loan or lease

My car was Totaled on XX/XX/XXXX i had a XX/XX/XXXX XXXX XXXX  and it was under the bank Santander Consumer USA. My XXXX XXXX insurance payed off majority of the car which was about {$9700.00} with a remaining balance of {$5000.00} the rest was supposed to be covered from my gap plan. Since the beginning of my auto loan i had been paying {$540.00} each month which was outrageous but i was never able to come back from that price and bring it down in a refinance. In XX/XX/XXXX i was behind on payments and had to get my payments reduced for a 6 month period down to {$320.00}. At this point i was unaware that this would hurt my gap coverage balance if i ever got into a car accident. Being as that i ended up getting into a car accident my gap coverage is only paying {$1500.00} of the remaining balance because of the extension. I was not aware of this and santander has evidently gotten away with this before with other customers in a settlement in XX/XX/XXXX. Below i will attach all files ( settlement from insurance, gap program information ).
Product: Checking or savings account

Grandfathered checking account opened when PNC acquired BBVA Compass Bank, where I ( and I'm sure many others ) had previously Free Checking accounts with no monthly fees or minimum balances. 
Now there is a service charge for not maintaining some preset balance in the account that I never agreed to and I don't even know : 1. ) what that balance threshold is 2. ) all of the possible fees associated with the account This was really poor business management on the part of PNC Bank, very unfair to the BBVA account holders that previously had totally free checking. Will definitely be taking my business elsewhere.
Product: Student loan

I have been in touch with Navient for the past 3 months regarding a private loan ( XXXX XXXX  ) that was included in my bankruptcy in XXXX ( at the time it was a XXXX XXXX   XXXX private loan ) this loan fell behind in XXXX and we are currently in XXXX well past the Michigan statute of limitations. I am constantly told that this private loan is unable to be discharged and that the statute of limitation doesn't apply ... how is this? Also the school that I attended ( XXXX College ) when this loan was initiated is now closed down and they are saying they have no knowledge of the closure. I am attempting to purchase a home and this private loan is showing on my navient account as past due which is preventing me from obtaining a home.
Product: Vehicle loan or lease

XX/XX/year> i paid {$1500.00} and XX/XX/year>, {$760.00} and when I called I was told XX/XX/year> that the loan was charged off meaning that the loan was transfer or sold but I was not told who is the new lender, but I do believe they violated my rights because I was not aware that their intentions were to sell the loan, so my question is why am I paying them when the loan was sold to someone else that I do not know, I have plenty of e-mails trying to work with them to find a solution so we can come to and agreement but instead their tactics are inhumane and abuse it that they do not care nor do they want to work with the consumer instead I was told get money from your XXXX or borrow money from family members or friends so you can keep the car, they make it seems like I am a millionaire, so my concern is should I continued to make payments to exeter finance LLC? What rights do I have, I have reached out to them to e-mail never got an answer?
Product: Student loan

I was informed in XXXX of XXXX I had three defaulted student loans from XXXX. I had nor graduated from high school yet. These loans are not mine! The debt collector, ECMC has inky provided four pieces of documentation along with one forged promissory note. The bank said I did not have an account with them. I am unable to attend school due to this. I am submitting the identity theft packet with this complaint. ECMC has not verified this alleged debt in over 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : XXXX account # XXXX XXXX XXXX XXXX, XXXX account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX account # XXXXXXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

XXXX continues to send debt to different companies and placing derogatory remarks on my credit. This is tarnishing my credit. XXXX failed to comply with FCRA Guidelines. Continues to be non-compliant ; letters sent, no feedback.
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 U.S.C 1681 section 602 A. States i have right to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states, a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card or prepaid card

Somebody tried to put a credit card in my name I did not apply for the credit card and it is now on my credit bureau and affecting my credit score it is called first progress and several other credit companies have inquired about my credit and I did not authorize this to happen
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a Capital One account on which I fell behind on due to being impacted by COVID-19. Prior to COVID-19 they changed my due date which made me late and incur late fees almost every month. This was frustrating, then I don't recall them even offering me a delayed pay plan for COVID. I was attempting to bring my account up to date but it had been transferred to another company by the name of XXXX XXXX XXXX. I was told the account was charged off and was offered a settlement first of 80 %, then 50 % which they wanted lump sum in XX/XX/2021 or pay 55 % via installments. I have been trying to catch up my Capital One account my since I have been impacted and my pay reduced by COVID-19. I reviewed copies of my credit report and there are excessive inquires from XXXX XXXX XXXX on behalf of Capital One. As far as I know, debt collectors are permitted to request credit reports every 30 days to determine the debtors ability to pay. However, the inquiries on my credit report are excessive and under the 30 day time period. This is severely damaging to my credit worthiness. Over the last 90 days, creditors have reduced my credit and closed accounts and I would have to deduce it is from these collection inquiries. This sends a red flag to my other creditors which either had XXXX balances or stellar payment histories. This is illegal and has violated the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

Had numerous problems over two yrs. over last two months I have called Bank of America over 15 times went to voice mail. I received one call in that time. Over one month ago I requested loan mod application. Never received now as of XXXX I have foreclosure papers on my home
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX  XX/XX/XXXX