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

On XX/XX/18 SPS Servicing assumed our loan from XXXX XXXX XXXX. with the original loan terms still in place : Conventional 5/1 ARM, no escrow account and tied to the LIBOR. Our loan was transferred in good standing and was a simple transfer. 

Our loan has never been late and since transfer to XXXX XXXX, and due to their poor reputation as a debt collector, I have paid my mortgage early every month and in excess of the balance due. 

SPS has reported false and damaging loan terms which I was unable to fix through normal CRA disputes. In violation of the FCRA, SPS has reported our loan to all 3 Credit Bureaus with false remarks : LOAN MODIFIED NonGovt, Loan Modified and including purchase money first. When I disputed this false reporting, it was verified by SPS as accurate. 

My mortgage was sold by XXXX XXXX XXXX. and this loan was not a requested transfer. Furthermore, I contend that because we have nearly perfect credit scores of 820+ FICO 9, SPS Servicing reported false terms to lower our credit and attempt to retain us as a long term client by lowering our score. 

The reporting of Loan Modified on a credit obligation is considered a derogatory indicator by FICO Score 9 ( and within the auto and bankcard versions of FICO Score 9 ) and would trigger the negative score factor You have a serious delinquency ( 60 days past due or greater ) or derogatory indicator on your credit report. to surface. This particular narrative ( Loan Modified ) first became available in the XXXX data when FICO Score 9 was developed.

Due to this false comment, SPS has negatively impacted our XXXX FICO Score 9 causing a drop of 100 points for XXXX XXXX and 69 points for XXXX XXXX. Our previous FICO 9 scores were XXXX and XXXX on XX/XX/18. Now they are XXXX and XXXX respectively. 

SPS FAQ specifically states : Will the terms and conditions of my mortgage change because of the transfer? This transfer does not affect any terms or conditions of your loan documents other than terms directly relating to the servicing of your loan
Product: Credit card or prepaid card

Wells Fargo sent my statement late, I paid the bill, and then they sent me another statement with a {$29.00} late fee and {$19.00} in interest on {$770.00} bill I paid in full that arrived seven days late. I called to request they waive the fee and interest and they declined. Given their history of creating false accounts and charging unsuspecting customers fees and interest on accounts they didn't know they had, it doesn't surprise me if they intentionally sent out my statement late to charge me fees and interest.
Product: Student loan

XXXX XXXX  ( XXXX ) XXXX Her name is XXXX and she called offering student loan forgiveness very instant on charging your credit card XXXX dollars for XXXX months then XXXX dollars a month for XXXX years. this is located on the internet in multible places as a scam .... 

you really should shut this place down
Product: Credit reporting, credit repair services, or other personal consumer reports

Failed background check due to 1 point on driving record, which caused employer to rescind their job offer. The infraction in question had been settled months prior.
Product: Credit reporting

XXXX/XXXX/16 mailed a letter and included required supporting documentation to 1 ) have my married name updated & 2 ) address updated. Results - address was updated but name was not. 

XXXX/XXXX/16 - phone Equifax. Result - name was updated incorrectly. 

XXXX/XXXX/16 - opened an online request. Result - Equifax marked it complete the same day with out taking any action. Name is still incorrect. 

XXXX/XXXX/16 - phoned Equifax. Informed it will take 30 days to have name updated. Request is already 6 weeks old and 30 days is not an acceptable amount to time to complete such a simple customer service request.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am following up on my complaint ( # XXXX ), in which I reported that Experian has failed to comply with its obligations under 15 U.S. Code 1681c2. This provision of the FCRA mandates the prompt blocking of information resulting from identity theft.

Despite my prior communication and submission of the required identity theft documentation, Experian has yet to block the disputed information from my credit report. This delay has caused continued harm, as the unaddressed inaccuracies impact my financial standing and creditworthiness. 

I respectfully request the CFPB 's assistance in ensuring that Experian fulfills its statutory duty by immediately blocking the fraudulent information as required by law. I look forward to an expedited response and resolution to mitigate further adverse effects on my credit profile. 

Thank you for your attention and support in resolving this matter.
Product: Debt collection

According to 1681o. Civil liability for negligent noncompliance and 1692d. Harassment or abuse under federal law, Firstsource is engaging in said violations of latter federal statutes. Firstsource did not provide within 30 days of their notice of alleged debts, and furthermore do not enclose a date of when this alleged debt occurred. There is no itemized receipt that was produced within the afforded time frame of 30 days, nor any evidence that I owe any money to XXXX XXXX. In fact I have never had XXXX XXXX service as my current provider is XXXX, and before that I had XXXX, I do not owe any money to this alleged account. Thus, I hereby refute the validity of this collection attempt, as null and void. This company needs to cease and desist and not communicate with me again on a debt I do not owe.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate item. Nor was the last case submitted to you all. Any further attempts to not submit the requested information will result in legal action. Several collection agencies have contacted me stating that your company sold them debts for all closed accounts with XXXX XXXX. I believe that I am victim of undue harassments. In accordance with the FCRA and FDCA, please send the following : -A list of fees that were charged to the account -when the accounts were closed -Who did XXXX XXXX sell the debt to and when was it sold. -Does XXXX XXXX or First Citizens Trust have any interest in the debt and if so please provide any contact information on who to contact to settle any balances that may be due
Product: Debt collection

NONE OF THE ABOVE. NO CATEGORY FIT MY SITUATION : I went default on a credit card in the amount of over {$20000.00} With Chase. Arrangements were made that the credit card company ( Chase ) would take out a specific amount each month from my checking account as payment towards this debt. At least 2 years of payments were made to them. In XXXX of 2015 I noticed that Chase was not taking any payments, I called and they said that they did not think that they would not get paid for a long time. I could not afford the $ XXXX they wanted, so they decide to consider it a charge-off. I was giving them $ XXXX I was paying them faithfully. Since they did not give me any written notice, and they sent me a XXXX form. I want to know whether they were legal in not notifying me that they were stopping collection of my payments. Maybe I could increase it a little. 
I want to know what my rights are here. Do they have the right to stop the payment arrangement with out written notice.?
Product: Credit reporting

I am a victim of identity theft. I have sent supporting documentation of letters and police reports to Equifax in regards to being a victim of identity theft and fraudulent accounts listed on my Equifax credit report. I was XXXX from XX/XX/XXXX to XX/XX/XXXX. The following are fraudulent accounts opened by someone who stole my personal information and identity : XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, MN Child Support Enforcement Division : XXXX, University XXXX XXXX : XXXX, XXXX XXXX : XXXX.
Product: Debt collection

I have no debt in collections and have never had any debt in collections. They are calling daily and leaving voicemails, despite all of their numbers ( multiple phone numbers ) being blocked on my end. The harassment needs to stop.
Product: Mortgage

XXXX sept. XXXX I applied for loan assistance, sending the application and required documents to XXXX XXXX in Loss/mitigation. She verified that she got it and would sens it to the underwriter. In XXXX, i tried to make a payment, i was able to save up some, and i was refused. i was told that it would interfere with the loan modification process. around XX/XX/XXXX i spoke with XXXX XXXX, the POC, because i got an application packet in the mail with a different POC name. she reassured me to ignore this, and that everything was ok with my application. in XXXX, ii received another packet, with another new name, when i called XX/XX/XXXX i was told there was no application pending, nothing on record, and that XXXX XXXX had a new job so i couldn't speak to her. He was very rude and refused to tell me who i could talk to. said he would send an email to the department. XX/XX/XXXX i called again and spoke with a customer rep named XXXX, she supposedly reached out to XXXX and reassured me that her or XXXX would call me back Nothing again. I called again on XX/XX/XXXX and got XXXX in loss/mitigation. She tells me that because my name isn't on the loan they cant help me and that its now in foreclosure. she said they needed successor of interest, supposedly sent me a letter previously. I have never received any such correspondance. i am on there as a XXXX party since XXXX  when my father passed and i inherited the home. further more i sent the deed and will several years ago, and they have done a defferment before. 
'
Product: Credit reporting, credit repair services, or other personal consumer reports

First of all this was a timeshare. I paid XXXX for 2yrs even paid off 1 property. But they were misleading and unfair on how I would be able to use the property and when I could have access. So, when I wanted out, they wouldn't let me out. And I agreed to pay a certain amount to keep my account current to keep them from filing late on my credit report. But, they took my money and didn't hold up to their end of the deal. 
Then when I tried to contact them, all discovered they had went out of business or been sold to XXXX XXXX XXXX and my accounts had been closed. 
For 2 years I hadn't seen or received anything from XXXX, Now in XX/XX/2018, two accounts appear on my Experian report as delinquent. I filed disputes with Experian to have them removed with no success. 
I feel I shouldn't be responsible to pay for a timeshare that had bad business practices and unfair consumer practices.
Product: Student loan

I repaid my Student Loan to XXXX XXXX XXXX in XX/XX/XXXX. I then applied to get my refund because of the CARES Act in XXXX. My Student Loans were reopened and sent to EdFinancial. I never received my Student Loan Refunds but EdFinancial has reopened my accounts and reapplied my entire balance of {$14000.00}. In XXXX of XXXX I called EdFinancial asking about the status of my refund and if they can remove the remaining balance as I had never gotten the refund. I still have not gotten my refund nor did I get my balance cleared as of XX/XX/XXXX. Student Loan repayments are scheduled to continue in XXXX which will result in interest accruing on a loan that I have already paid off.
Product: Mortgage

I JUST DISCOVERED TODAY THAT ITS NOT ONLY UNISON VIOLATING EVERY POSSIBLE CONSUMER PROTECTION LAW, BUT ON THEIR PAYOFF THE INVESTOR XXXX XXXX XXXX I, XXXX AS WELL ( ATTACHED ) This company marketed themselves as a Heloc alternative, they had me complete an application, they pulled my credit, had me provide income documentation and then right before funding the loan that they claim isnt a loan their sales reps told me that I would need to dismiss my XXXX  XXXX bankruptcy that I had been involved in for two years and provide proof that it had been done. ( attached a couple of these emails in a quick search through my email ). A simple XXXX search has shown several pending lawsuits, including TILA lawsuits and their XXXX  site is full of similar complaints. I am sure you will find many more on PACER then my XXXX search below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They claim to not be a lender in order to avoid adhering to TILA, but take all of the same steps as a lender would. Even the funding of loan and repayment. The reason I am looking to get help is that I closed on this loan 13 months ago for XXXX, I am now over a week past my closing date and they sent me a payoff based off of an appraisal that they never shared with me, instead of the actual purchase price which is XXXX higher then what the actual sales price is. What they are doing is wrong and likely a TILA violation, predatory, and I am sure in my case violates bankruptcy law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed two late payments from XXXX XXXX on my credit report providing proof that the payments where in fact made on time. After the disputes, XXXX XXXX provided no documentation that the error was correct and the credit bureaus all have sided with XXXX  XXXX. They sent me letters stating that the account has been verified without showing any verification. My credit score is suffering for no reason, and this should be illegal. I have gone through this process at least 3 times. Each time the late payments are somehow just shifted to different months instead of being removed. For instance they will say 30 day late for XX/XX/2017 and XX/XX/2017, then after the disputes it will say 30 day late XX/XX/2017 XX/XX/2017, then I dispute again and it goes back to the original posting and it continues in a cycle. The credit bureaus should be preventing companies from doing this.
Product: Debt collection

My elderly father phone number was contacted he was told i owe Discover it scared him and Im embarrassed
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified this item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigations, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATED all information which can not be verified. Section 616 and Section 617 provide me with a remedy that Im about to seek. You are willful non complying with the FCRA. Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section XXXX09 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy.

Please update this account, or inaccurate information, from my file immediately & send me the results to the address listed... 

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

XXXX XXXX XXXX XXXX this was not bought by me the initial contract was just a lease now someone else brought this company and put this on my credit report. This is damaging. This was the only reason I agree to this I can not afford this I was defrauded
Product: Mortgage

I was advised by a representative from Nationstar/Mr. Cooper to make my XX/XX/2020 payment and to not make any further payments until my refinance was complete. Please see attached letter. 

Nationstar/Mr. Cooper reported me late to the credit bureaus, which significantly lowered my credit score. Due to my low credit score, I was unable to complete my refinance.
Product: Debt collection

My name is XXXX XXXX and I am XXXX XXXX graduate of the XXXX XXXX in XXXX program. 

Following graduation I re-enrolled at XXXX to pursue higher education. After review of my records I was enrolled and granted approval to register for three courses. Two of those courses were scheduled to begin on XX/XX/XXXX. The third course was scheduled to begin on XX/XX/XXXX. 

Unfortunately I had a dire family emergency come up which required a significant amount of my time. Realizing this, I contacted the college for guidance on withdrawing from my courses with the hopes of registering for them the following term. I was advised by phone that if I were to withdraw 0-3 days prior to courses starting I would receive a refund for the tuition and to submit a request in writing to the Office of the Registrar using email XXXX. I submitted the written and signed request to the email I was provided on XX/XX/XXXX at XXXX. I received no further communication from the college and assumed the withdrawal had been taken care of. 

In XX/XX/XXXX I attempted to obtain course approvals. I sent a message to my advisor to inquire about the status of those approvals and I was advised that my account was on a " fiscal hold '' and that I needed to contact the bursar 's office to " settle my account ''. I did as such and was advised by a person named XXXX that my request was not processed for the withdrawal and that I owed approximately {$4500.00} for the courses. I advised her that I didn't feel this was right but that I would try to pay the balance rather than file a complaint on the college that had afforded me so many opportunities. So I proceeded to try and save up enough money to pay the balance over the next several months. 

In XX/XX/XXXX I contacted the bursar 's office to set up a payment plan for the balance on my account but I was advised that my account was submitted to a collections agency and that I did not qualify for a payment plan. I then lost faith in the college and pursued my education elsewhere. 

However, my current educational institution requested that I send a copy of my official transcripts to them and upon attempting to do so I was notified again via a message on the website that I could not request my transcripts due to an issue with the bursar 's office. 

I followed the college 's policy on submitting my withdrawal request and it was on time ( prior to courses starting even! ) and because of what I assume to be a clerical error I am expected to pay thousands of dollars.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX & XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX Account Name : XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX  XX/XX/year> 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 someone opened a flexible spending credit card account with XXXX card services under my name. They charged {$38000.00} on this card. It was reported as late payment on XX/XX/2024. The account was closed on XX/XX/2024. It has made my XXXXredit score drop on Experian, XXXX, and XXXX over a XXXX points as payment is listed as overdue. I have contacted XXXX ( ( XXXX ) XXXX ) directly and they concur that I never opened an account with them. I only found about this when I checked out my credit score recently. I do not know the account number as it wasnt listed with the rest of info on my XXXX credit score monitoring service. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I submitted a validation request with XXXX XXXX XXXX. I received to response to my request. I also disputed with experian and it remains on my credit report as verified. However no one have provide me with any details or acknowledge to an unknown inquiry on my credit report.
Product: Student loan

My student loans were transferred to Nelnet from Great Lakes. Once they transferred, I applied for deferment since I am eligible ( currently a student more than half time ). They have had months to process this deferment request. I did not pay my student loon payment that was due yesterday because I do not have to due to be being eligible for deferment. They now say my account is past due, have added interest to the loans, and reported to the credit agencies that I missed a payment, ruining my credit score which has far reaching affects. This is unacceptable. They need to right this situation ASAP.
Product: Payday loan, title loan, or personal loan

I had a loan with loan mart for est. XXXX with my title to car as collateral. The car was involved in accident and ins co said it was totalled and ins Co picked car up from collision shop. Since there was a line on car, I called loan mart and gave them all information with ins Co. My ins company paid loanmart Since they were the lienholders. Loan mart has been paid but reporting XXXX my credit that nothing was paid on this loan and turned a XXXX personal loan into a XXXX. The car only had a XXXX value and it had a clear title when I got the loan. I don't know why they did not subtract what was paid by my ins company and why there is an outstanding balance of XXXX. I attempted several times to clear this up with loan mart and was always put on hold for long periods of time and being passed of to different people and also being told ppl I spoke with no longer worked there so they can't determine what was discussed with ppl.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not investigate an account on my credit profile for Dept Of Education/XXXX  this is not my account and I have never had an account with them.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belongs to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX