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

On XX/XX/2018 I mailed Lexis Nexis a certified Mail letter disputing a degrogatory/ negative public record on my Lexis Nexis report. It states I have a Bankruptcy, and I was disputing that. I again requested my Lexis Nexis consumers report, and they not only did not place that record as disputed by the 30 days the law and my rights state they have they did not reply back to me at all, and have neglected their obligation as a reporting agency to do so per the laws, and rights you set before them, as well as Fair debt and reporting agencies have to do. The information they are reporting is not accurate, and has affected my life tremendously. Their enormous fabricated record keeping has slandered my name, and as my letter stated I would handle that to the fullest extent. The only response I received was someone elses information which violates their rights as a consumer with very personal, and sensitive information that had I been a thief I could use against them. I have included pictures of my letters, can prove their record keeping skills are absolutely horrendous. They sent someone elses information to me, and expect me to set tight while they do the same to me, and continue reporting false info about me to perspective jobs! I will not have it, and demand the laws in place to protect myself, and my rights are utilized in such an instant. I lost I very good Job Opportunity based on their poor reporting practices, and have no filed all complaints my letters told them would take place due to this dafamation of my character. CC to the XXXX CC to the Attorney Generals office of my state and their state. Please hold them accountable for their many violations of my rights, and hold them to the laws you set behind to protect consumers such as myself!
Product: Debt collection

I am disputing this debt according to 15 US Code 1681 e ( b ).

15 US code 1692 ( c ) ( g ) requesting the original purchase agreement and validation.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an entry on my credit report that I believe is inaccurate. 
Upon reviewing my credit report, I have found that the student loan entry is inaccurate or does not accurately reflect the status of the loan, and as such, it is damaging my credit report. I am requesting that you thoroughly investigate this matter, and if you find the information to be inaccurate or unverifiable, I kindly request that you remove the entry from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681. 
In addition to the removal request, I respectfully ask that you provide me with documentation or the results of your investigation into this matter. If the loan is confirmed to be inaccurately reported, I expect a prompt update to my credit report. 
Please find attached supporting documents to assist with your investigation, including : Copy of my identification Copy of the loan documentation Any correspondence I have had with the loan servicer regarding this issue I kindly request that you provide a response within 30 days of receiving this letter, as required by the FCRA. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$350.00} ), XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$400.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$4800.00} ) Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Checking or savings account

My account was closed without my knowledge. I called navy federal and told them that I couldnt log into my online account. They placed me a on a hood then proceeded to tell me why. I informed them that I didnt have any knowledge and didnt consent to any of the activity I was being informed of. The representative asked me for my email to send over documents to sign. And I told replied email isnt a good way and I would like them to be mailed so I know sign my signature to prove that it wasnt me. Days went by and I only received the items of what was returned from the account. That I didnt do. Im highly upset they charged me several XXXX  dollars in fee and I believe their are still some pending. I dont like the way they did me I built a relationship XXXX with them it was going on 3 years. They dont value their customers or try to make it right.
Product: Mortgage

PMI was guaranteed not to be charged while working with our agent. The paperwork was discussed, reviewed, etc. The day of signing the contract once I was already at the appointment, I was apologized to and told they added PMI.
Product: Mortgage

I genuinely believe that PHH Mortgage 's call center representatives have many times provided me with incorrect information, which has led to my current predicament. In 2011, my late mother suffered a XXXX that prevented her from continuing to make mortgage payments. Since then, I've moved in and taken on the responsibility of contributing to the monthly payments. Unfortunately, when the COVID-19 pandemic hit, I lost my job, making it impossible to sustain the payments. 

Having a power of attorney, I began collaborating with PHH Mortgage to secure a modification. This process has extended over two years, involving numerous interactions with the call center and different representatives, each yielding varying answers. There have been instances where I couldn't verify my identity to discuss the modification, necessitating callbacks to rectify the situation. Strangely, another representative would then successfully verify me. 

Although a specific representative was assigned to my case, I've been unable to communicate with them throughout the process. Subsequent calls from or to PHH Mortgage would connect me with different representatives, some of whom seemed unfamiliar with how to proceed with my case. 

I never fathomed that my loan would reach its current dire state. I was genuinely led to believe that a modification was in the works. After submitting requested documents and receiving confirmation of their sufficiency, I later learned from another representative that some documents were still missing. 

I was once informed by a representative that a resolution had been reached and that I would receive a call to discuss the details. Regrettably, that call never materialized. Upon revisiting the matter with another representative, I was disheartened to be informed that no resolution had been established for my case. 

The most devastating revelation came from a company representative who informed me that my loan didn't qualify for a modification from the outset. They shared that the property was moving toward pre-foreclosure. According to them, the sole solution to avoid losing our home is to make a lump-sum payment for the past two years. 

This situation has left me disillusioned, misled, and deeply troubled to face my family. The prospect of returning to work in XXXX offers some hope. As a member of XXXX XXXX, I'll be able to earn sufficient income to bring the mortgage current.
Product: Mortgage

I have agreed to do a standard short sale with Nationstar. After my agent has submitted a solid offer with a solid Buyer and the lender conducting a BPO on the XXXX of XXXX the lender ( nationstar ) is trying to force me to go thru an Auction Process of which will scare by buyer away as they will withdraw their offer. Conducting an auction that makes no sense after having received a solid offer. The property has been on the market for almost 1 year and we finally have an offer to close quickly and now they want to force me to allow an auction. How can a lender who has no legal right to conduct a sale on my property force me to participate in such a ridiculous action and cause me to lose the solid buyer i have in place. Also, to make matters worse the 2nd Lien Holder foreclosed on the property on XXXX/XXXX/2017 but has agreed and allowed me and my agent to continue Negotiations and proceed with Nationstar for a STANDARD Short Sale. Not an Auction from a Vendor/3rd Party who will try to sell something they have no legal right to sell. What an Absurd practice that they are trying to force upon me. I know a few other individuals who have had gone thru the short sale process with NationStar and none of them went thru a forced auction. This Practice in my Opinion is wrong and should be looked into. Please help bring Light to this Situation as they seem to be on a one track mind and are adamant about either going thru with the Auction or they will decline the file. please see the attachment that was sent to me this morning stating the above.
Product: Checking or savings account

I received the following letter, and made notations of the call. 

In late XX/XX/XXXX or in XX/XX/XXXX my son worked for XXXX ( I believe ) or XXXX 's XXXX XXXX store. His paycheck said Wells Fargo, so tried to cash it there. 

They told us they couldn't cash the cash without his opening an account there ( despite his employers account being there ) because " the account could be overdrawn. '' They said without an account it would cost {$20.00} to cash a check. We refused their illegal business practices paid the {$20.00} opened an account at another bank once I investigated the rest of the banks in this area. 

Seems they are still trying to do unscrupulous things. They tracked down and wrote me yet, after talking to two people, no one has explained how their " commitment '' plans to " make things right for customers ''. 

There is NO reason an email can not be used in lieu of a private phone number, unless they don't want anyone to know how they plan to " make things right ''.
Product: Money transfer, virtual currency, or money service

From XXXX I've utilized jpay to message my incarcerated love one. During this period I've spent {$130.00} purchasing stamps to send videos, emails, and pictures. After jpay made a switch to how they message utilizing a parent company XXXX  I no longer have access to the emails, pictures, and video grams that I sent, nor the emails, pictures, and video grams that was sent to me. Regardless of the switch, I should still have access to information that I paid for. I tried calling Jpay on XX/XX/22 and was told it's nothing they can do and it's nobody I can talk to or no number she could pass on to me to resolve the issue, as she hung up the phone while I was still speaking. I'm asking for access to those valued sentimental emails, pictures, and video grams, or a full refund for the stamps purchased. I've included a screenshot of transaction but the full amount isn't disclosed because my bank only allows me to search for particular items up to 18 months, however I did attach a written receipt with the dates and amounts and if needed I will send the actual bank statements, I just didn't want to attach it because it's sensitive information.
Product: Student loan

In XXXX, XXXX, and XX/XX/XXXX Nelnet automatically more than doubled the payments for XXXX months on my student loan. Upon calling they offered a credit for the next few months to make up for the increase in what was charged. The automatic payments were stalled from XXXX to XXXX. In XXXX then they charged a late fee because they didn't pull the payments out. A call was made and they refunded the late fee because it was a mistake. The payment was re-established. In XXXX it was realized Nelnet had been charging us 1.25 % more in interest since XXXX because their company put us into a " hardship forbearance '' without our knowledge. Upon calling they said this was done because we had a pause on our account. It was explained that the pause was because they had overcharged us and it was due to the credit that was given to us. The account has always been on an automatic withdrawal and we are not in control of having the pause put on our account. Because of the " hardship forbearance '' they applied this caused us to lose the 1.25 % interest rate discount incentive for making all on time payments. The manager on the phone has verbally agreed that it looks like their company made a mistake but they will not reverse the interest rate and will not fix the problem.
Product: Checking or savings account

Opened a checking acct with Santander Bank online. No requirements to appear in person as this was an online account opened to all. The acct had a bonus of XXXX if you met the requirements. Opened about XX/XX/XXXX. Bank asked for DL/DOB and public identity questions. 
All was fine until last week. I made direct deposits, paid bills via bill pay, and no problems. I tried to pay a bill last week ( XX/XX/XXXX and could not sign on. ) I got a message to call the banks. From XX/XX/XXXX XXXX, all was fine. I called the bank and was on hold for 20 minutes. After asking me my identity questions, Rep told me I have to appear at a branch in person in order for them to reopen my acct. Problem # 1, no requirement when opening online to open in person..2 ) the closest branch is 60 miles from my home, 3 ) My husband is XXXX and I will not travel, I do not drive and I will not take a XXXXXXXX XXXX for 60 miles to XXXX during Covid. 4 ) Im XXXX years old and refuse to waste a day even if I could travel. There was no requirement to open in person or I would never have this acct. rep told me my acct is locked. I have no access to my funds. I have about XXXX in this acct. They stole my money from me. I have no way to GET MY FUNDS. Please help. The Rep on the phone was quite nasty to me even though she knew my age. I live on Social Security and have a small pension. I need my money NOW, or I can not afford to pay my bills!!!
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX list of Inquiries. 

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, credit repair services, or other personal consumer reports

on. for 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 XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Equifax XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX Account # : XXXX Date Opened XXXX XX/XX/XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$460.00}. 
XXXX  ( Original Creditor : XXXX XXXX  ) Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX  Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} US DEPT ED Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX XXXX XXXX Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX : XX/XX/XXXX Balance : {$430.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Account # : XXXX Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$730.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) Account # : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} XXXX XXXX XXXX  Account # XXXX XX/XX/XXXX Balance : {$430.00} XXXX XXXX XXXX Account # XXXX Date Opened : XX/XX/XXXX XXXX  Account # XXXX Date Opened:XXXX Balance : {$730.00} 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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open end consumer credit plan as late any reasons.
Product: Debt collection

I have never had any services nor contracts with SUNSET CREDIT SERVICES OR XXXX XXXX. This is the THIRD company to attempt to put this fraudulent account on my credit report. I have already made it very clear I have never had services with XXXX XXXX nor given anyone permission to use my name. I also have not lived in New York State since I was in HIGH SCHOOL. I am now XXXX XXXX XXXX Also I have never lived at the address XXXX  XXXX has on the account either. ALL was fraudulent and handled about 3yrs ago, now ANOTHER company is attempting fraud with the same account. TAKE ME OUT YOUR SYSTEM and REMOVE from my credit report immediately. XXXX XXXX is well aware this was a fraudulent account so Im not sure why you have it attempting to collect FRAUDULENTLY. My next step will be to contact my lawyer because this is absolutely ILLEGAL & UNETHICAL PRACTICES.
Product: Student loan

I filed an application for  Long Term  Payment modification assistance to reduce my payment. I faxed the initial application on    X/XX/17 .       XXXX   .17 - rec eived notification that information needed clarification and other documents needed to be provided within  20  business day from the date of the letter (   XXX   .17   ) . Spoke with  XXXX  on    XXXX  .17    at  XXXX   XXXX  PST. He told me exactly what to provide. I faxed it on   XXXX   .17 an d received confirmation of its receipt at  XXXX  PST. This information was faxed within the 20 BD time frame.     XXXX  .17  R eceived notification that the information was not provided on time and the application was denied. Called at  XXXX    XXXX   PST on    XXXX    .17 s poke with  XXXX  ( employee ID  XXXX  ). He reviewed the application and agreed the information was in fact received in a timely manner. He sent it to his supervisor.     XXXX   .17 I follo wed up on the application. Spoke with  XXXX   XXXX  ( employee ID  XXXX  ). Reviewed the issue with him said he would call me back with in 1-2 days.   Did not call me back.       XXXX    .17 I   called  XXXX  again - he said he would review it again and call me back.     XXXX  .17  Af ter numerous phone calls and days later,  XXXX  and  XXXX  agreed it was an error on their part as to why the application indicated the information was not received on time. They said they would reprocess the application.     XXXX  .17  Follo wed up with  XXXX  on the status. She recommended I complete the application again and submit updated statements for my student loans.     XXXX   .17 Fa xed the application to  XXXX  and received confirmation of its transmittal at  XXXX  PST.      XXXX . 17     XXXX  called and said she received the application and will expedite it.     XXXX   .17 ca lled to follow up on the application. Now  XXXX  says there is other information that needs to be submitted, however, she failed to tell me this upon the initial application and stated my application was complete. Spoke with  XXXX , Supervisor, who said he would look into it and call me within 24 hours.    XXXX .17  XXXX  did not call me back. He had a customer service rep call me back who could not clarify what exactly was needed to process my application. Asked to speak to a supervisor and no supervisor was available.  XXXX  picked up the call and stated that we needed to complete the cosigner page again with the amounts of those loans. However, this was already completed in the f irst 2 applica tions!
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. As a victim of a data breach, I am exercising my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries were not initiated by me and are the result of fraudulent activity. 
Accounts : XXXX XXXX  - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$820.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian did not have permissible permission to send my credit report for the XXXX XXXX XXXX XXXX loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report that I do not recognize.