23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I negotiated the purchase of a new home for {$430000.00}. I submitted the original purchase contract, stating a purchase price of {$370000.00}, as well as all amendments to my lender as requested with the final agreed upon purchase price of {$430000.00}. The appraisal was ordered on XXXX XXXX, 2016 and performed on XXXX XXXX, 2016. On XXXX XXXX, 2016 I received the appraisal directly from the vendor electronically referencing a Contract Price of {$370000.00} and an appraised value of {$410000.00}. Unfortunately for me, the Contract Price was actually {$430000.00}. The appraisal even stated that the property appeared to be selling at a discount due to 'pressure to sell '. The appraiser used XXXX relocation properties and XXXX foreclosure for comparable. The appraiser appeared to be 'trying ' to get the appraised value lower and closer to the Contract Price based on several factors. 
I informed my lender at the time of the error and they contacted the appraisal vendor. I did not hear anything for a few days and eventually received a 'corrected ' appraisal reflecting the correct Contract Price of {$430000.00} but still stating an appraised value of {$410000.00}. The 'corrected ' appraisal also detailed in the addendum that they WERE NOT provided the amendments to the original contract price until XXXX XXXX, 2016 and that was the reason the {$430000.00} Contract Price was not utilized for the appraisal. As well, it was noted that the appraised value could not be changed. 
The lender was negligent by not performing the industry standard expectation of presenting the appraiser with ALL of the contract paperwork including all contract amendments. Ultimately, this appraisal could not be used for the purchase of my home due to the negligence of the lender.
Product: Credit reporting or other personal consumer reports

I am writing to address the inaccurate reporting of the account XXXX XXXX XXXX  XXXX on my credit report. This account is currently listed as CollectionOrChargeOff, with an opening date of XXXX, a last activity date of XXXX, and was last verified on XXXX. This inaccurate information is obstructing my ability to secure necessary financing and favorable loan conditions. As outlined in XXXX U.S.C. XXXX ( a ), it is imperative that credit reporting agencies maintain accurate and timely information on consumers. I request that you provide all supporting documentation used to verify this accounts accuracy, along with proof of the alleged {$2500.00}, which I dispute. The legal precedent set by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXXXXXX  XXXX ) emphasized the need for a detailed investigation into disputed items. Similarly, XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX ) clarified that agencies can not merely rely on creditor-provided information without conducting their own verificationIt shows dates XXXX and XXXX. This error is affecting my financing opportunities. Under XXXX U.S.C. XXXX, you are required to provide accurate information. I request the deletion of this account and proof of the XXXX XXXX.The data for this account appears to be inaccurate or inconsistent with the established reporting standards of XXXX. I would like you review it again and prove that everything is true, accurate, complete & timely! If not able to adhere to these compliance requirements please remove my profile immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent in multiple rounds of dispute letters to TransUnion in hopes that they would rectify the inaccuracies, inconsistencies and violations reflecting on my credit report, however they did not.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and request the correction of inaccurate personal information on my credit report. Upon review, I noticed discrepancies in my listed address history. These errors are unrelated to me and should be removed to ensure the accuracy of my credit profile. 

Specifically, I request the removal of the incorrect name and address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA, XXXX I also request that my credit profile be updated with the accurate information : Full Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have attached : A copy of my government-issued ID verifying my name and date of birth. 
A recent utility bill confirming my current address. 
A copy of my Social Security card verifying my SSN. 

This letter serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I request that you : Investigate and remove any inaccurate personal information from my credit report. 
Update my credit profile with the correct details listed above. 
Provide written confirmation of the corrections and supply an updated credit report.
Product: Debt collection

I tried logging on to my XXXX XXXX account for the first time. It was weird Because it said I had an account made with my email. I reset the email got on and its saying I took some sort of loan with a company called Credence resource manage for almost five thousand dollars. It also said I lived In XXXX When I live in XXXX  the loan company is in Texas and I have no idea who they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Experian report # XXXX for an account with XXXX XXXX acct # XXXX in the Status section XXXX XXXX is reporting paid and settlement {$480.00} written off this account is scheduled to continue on record until XX/XX/XXXX. XXXX XXXX is reporting paid and settlement {$480.00} written off this account is scheduled to continue on record until XX/XX/XXXX. My complaint with XXXX XXXX is on XX/XX/XXXX they mailed me a letter confirming that my account has been settled in full and that is what should be in the status section. From my understanding there should not any amount which they have collected or not collected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found some hard inquiries on my credit report that I am not aware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is showing 1 past due payment amount for XXXX of 2018. Payment was not late from me but was posted late from mortgage company.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  - {$1300.00} Open balance Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of The FCRA Reporting falsely Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 

please provide original documents! this is not mine I have no record of ever having this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Account has never been late and the credit bureaus are reporting inaccurate information. As well as many other inaccuracies in their report. 

I have previously requested that you investigate this information and you have failed to correct the errors you are reporting on my credit report. Now its not time to update, I demanded that you IMMEDIATE DELETE THE LATE PAYMENTS from my credit report. 

ACCOUNT : XXXX ACCT # XXXX In accordance with the Fair Credit Reporting Act, They have 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THESE ALLEGED FRAUDULENT ACCOUNT. BLOCK AND REMOVE THEM 15 usc 1681c-2 Pursuant to the fair credit reporting act. I DID NOT MAKE THIS IN ERROR I AM THE CONSUMER AND I DID NOT RECEIVE AND GOODS AND SERVICES FROM THESE CONSUMER CREDIT TRANSACTIONS I am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Mortgage

I was in arrears on my mortgage payments. I brought the payments current on XX/XX/year>. However, I keep receiving collection notices from the lender. I have received no fewer than four phone calls from the lender demanding payment, and I have found collection notices taped to my front door no less than three times after the above date. On each occasion, I have called the lender to try to stop the harassment. Because my payments were in arrears, I have been told that they arranged for a series of collection notices to be sent to me. They also say that they will discontinue the notices only as it is convenient for them. 

Here is the information : Lender : Flagstar Bank Loan Number : XXXX I am attaching a copy of the most recent loan collection notice that was placed on my friend door on XX/XX/year>.
Product: Checking or savings account

Pnc has made a change that prevents me from being able to link my financial accounts. I need to link my checking account with my XXXX account so that I can add funds. I have called the bank and they state it will not connect because XXXX uses a service provider called XXXX. 
Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I was a victim of extreme identity theft due to Equifaxs negligence and continual refusal to correct and protect my personal information and credit resulting in many years of financial losses. The address they refused to remove from my credit file and never belonged to me matched that of the student loans originating from an individual in XXXX XXXX at the probation and parole office. It wasnt until the data breach class action suit in XXXX that Equifax finally cooperated with this removal of the address but I still fight the loans. This situation is what leaves me infuriated, helpless and terrified with what occurred last week. 

On XX/XX/XXXX, I received a letter dated XX/XX/XXXX of adverse action by XXXX from XXXX XXXX advising me of denial of an auto loan applied for on XX/XX/XXXX at XXXX Auto Sales in XXXX XXXX Florida, over XXXX miles from where I live. This denial listed the reasons of too many work phone numbers and too many email addresses to approve the applicant. Neither which would apply to me. Knowing my credit has been frozen for a long time with fraud alerts due to excessive identity theft and I had not done any lifts any time recently, I immediately called the company listed on the letter, gathered all the information they could provide and checked my credit reports. Both XXXX and XXXX looked secure with no changes and no inquiries had been made. Neither had any freeze changes at that time either. Equifax, however, though no freeze had occurred since XXXX, showed a hard inquiry from XXXX on the date on XX/XX/XXXX and worse, my current address had been changed to an address I had lived at from XXXX. I immediately submitted a dispute. On XX/XX/XXXX I received the dispute results to which my hard inquiry removal was denied despite my statement of the freeze at that time. My address status was not changed. At the top of the dispute report my current address reflects what I requested and had previously reflected but below in the personal data section it had not been changed. 

Furthermore, XXXX gave me the XXXX XXXX for reporting credit agency listed on the adverse action letter, XXXX XXXX, whom Ive never heard of, and advised I reach them in this matter. I sent an email stating my concern and demanding that all information they have obtained and released on me be rescinded and that I be removed from their records. Their representative replied with a request to call her and I declined. A week later I was sent an email about an investigation that was not reassuring and slightly accusatory and threatening.
Product: Credit reporting

On XX/XX/XXXX I filed a dispute # XXXX with Equifax concerning account # XXXX XXXX. This was an account that was included in bankruptcy ChapterXXXX XX/XX/XXXX. Equifax investigated and corrected wrong information that was being reported of missed and late payments during the bankruptcy Chapter XXXX. XX/XX/XXXX filed another dispute with same problem with XXXX dispute # XXXX and again XXXX dispute # XXXX and now again there is information on this same account that has dropped my credit score from XXXX to XXXX. It is now XXXX points down. I am not having this problem with any other agency. Only Equifax. I have submitted another dispute but my dispute will only work monthly as this information keeps finding its way back to this report. There is nothing NEW on my credit report that would cause a XXXX point drop in my credit score other than this issue. I am on top of this since our bankruptcy and have been working hard to repair our credit. Chapter XXXX was filed in order to pay our creditors back. I am not understanding why this agency on monthly basis has incorrect information that I have to continue to dispute in order to have an accurate credit score. My new dispute is XX/XX/XXXX # XXXX. If this information turns out to be accurate based on all the wrong information they have been receiving or reporting I feel the XXXX point drop needs to be re-evaluated. There are no other changes that would have caused this Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am ( 120 ) days late on the XXXX account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had the account for 3 years and never missed a payment until the end of the loan so they claim. They are reporting current no past due history with XXXX, XXXX  late 30 days ( XX/XX/2019 ) and XXXX ( XX/XX/2019 ). This company has never even sent a statement advising that that the account was past due and the statement that I did receive showed an incorrect balance. I reached out to the company and requested to have the 1 late payment removed as a Goodwill, it was declined due to FCRA guidelines. The credit bureaus advised me to contact the company and ask for a deletion since the account had been paid in full and the negative history was hurting my score. The company stated that it was against their policy to do so. I think that this company has discriminated against because they use unfair tactics, they never reported a late payment until the account was closed, never sent a statement with the correct balance showing that my account would be past due and has violated FCRA guidelines.
Product: Credit reporting or other personal consumer reports

Request for Method of Verification Under FCRA Dear Sir/Madam, I recently disputed the accuracy of certain information on my credit report, and I have received your response. However, I am not satisfied with the outcome of the reinvestigation. Therefore, I am writing to request the method of verification for the following disputed item ( s ) : Disputed Item ( s ) : 1. Please remove the following inaccurate address from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Account Name : XXXX XXXX XXXX  Account Number : XXXX Reason for Dispute : Multiple inaccuracies. You did not conduct a proper investigation as such I request removal of this account from my credit report.

3. Account Name : XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : Multiple inaccuracies. You did not conduct a proper investigation as such I request removal of this account from my credit report.

4. Account Name : XXXX XXXX Account Number : XXXX Reason for Dispute : Multiple inaccuracies. You did not conduct a proper investigation as such I request removal of this account from my credit report.

Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( a ) ( 7 ), I have the right to request " a description of the procedure used to determine the accuracy and completeness of the information. '' Additionally, FCRA Section 607 ( b ) requires that credit reporting agencies " follow reasonable procedures to assure maximum possible accuracy of the information '' contained in consumer reports.

Please provide the specific details on how the investigation was conducted, including : 1. The name, address, and telephone number of the person or entity that verified the information.

2. The method and sources used for verification.

I appreciate your prompt attention to this matter and look forward to your detailed response as required by law. Sincerely, XXXX XXXX
Product: Student loan

I 'm currently a XXXX ( 4 years ) enrolled in a university XXXX and in XX/XX/XXXX, when I started the doctoral program, I arranged to have my private student loans deferred. I recently received an email from the provider ( Navient ) stating that my loans needed attention. When I contacted the provider ( on XXXX XXXX, XXXX ), I was told that my loans came out of deferment in XXXX XXXX and that I now owed XXXX dollars in overdue loans ( I 'm not sure by exactly how much because I was told XXXX different amounts in overdue loans from XXXX different people because I was transferred several times, put on hold and had to call back. Both calls ultimately ended before I could resolve the matter because the employees switched my over to some automated survey both times -- the first phone call lasted 30 minutes and I got nowhere ). I requested forbearance, but was told I had to pay {$150.00} first to bring my account current. As a full-time XXXX student, I am unable to pay that amount and would like my loans to be placed in forbearance, especially since I never received any advance warning that the deferment status on my loans was about to end, so I never had the notice or opportunity to do so before my loans " automatically '' came out of deferment ( without my knowledge ) and became overdue. Otherwise, I would have done so earlier. I feel that I have and am making a good faith effort to work with the provider, but that the provider is not reciprocating as evidenced by the evasive manner in which they handle my phone calls, the lack of notice they afforded me, and the conflicting information I received. ( Instead, it feels like they almost want me to default so that they can charge exorbitant interest and fees and ultimately sell the debt at a profit. This is n't right, and if it is legal, it should n't be. ) Thank you.
Product: Debt collection

I have sent multiple certified letters in XX/XX/XXXX, XX/XX/XXXX, and again in XX/XX/XXXX to Experian asking them to verify collection accounts on my credit report ( from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX by providing the Original contract or agreements with my signature on it and the name of the person they interviewed to verify accuracy of this debit. 
I suspect fraudulent activity and have not been provided with original legal documentation to verify these accounts are accurate.
Product: Credit reporting

On XXXX XXXX 2016 a criminal attempted to open a XXXX XXXX account in my name. I check my credit report daily through XXXX and noticed the inquiry on my credit reports. I immediately contacted XXXX XXXX who immediately cancelled the application and sent letters to TransUnion, XXXX and XXXX. As of XXXX XXXX 2016 TransUnion has refused repeatedly to remove the inquiry from my report despite multiple communications via certified mail from myself and XXXX XXXX.
Product: Credit card or prepaid card

Target Credit Card defaulted during my administrative process. A cease and desist was sent to them on XX/XX/2022 demanding they send an audit trail including the ledger, all accounting documents, transaction history, and account file. I also demand they remove the account they furnished on my consumer report I never gave written instructions to furnish Pursuant to 15 USC 1681b ( 2 ). Keep in mind non-compliance with my XXXX XXXX XXXX  will be documented and used as exhibits for knowingly and willfully violating federal law.
Product: Mortgage

ARVEST CENTRAL MORTGAGE  XXXX This account should not be reporting any late payments. Our credit report shows " Account 120 days Past Due Date ''. 

This is INCORRECT. Arvest approved a FOREBEARANCE plan which was followed and there should be NO NEGATIVE mark on our credit file per the Agreement made. Delete the errors right away or remove the account off our credit files!
Product: Mortgage

Mega Capital Funding , Inc. did not provide me with accurate closing documents until the literal day of closing on my refinance, XX/XX/year>. Magically, they had decided I no longer qualified for {$780.00} in credits, and therefore made me wire that extra money in order to close or else I would not be able to close on the refinance.
Product: Credit reporting or other personal consumer reports

file attached just want all incorrect info removed from my credit report please
Product: Student loan

I am receiving threats and intimidation from NAVIENT, saying that I am 120 days delinquent when in fact I have already paid off the loan ( s ).

NAVIENT, cashed my checks which covered the balance of the loan ( s ) on these dates : XX/XX/2018 CHECK XXXX Check Paid # XXXX {$630.00} XX/XX/2018 CHECK XXXX Check Paid # XXXX {$280.00} Further, NAVIENT is very abusive in that they try to force you to speak with an automated voice robot and will hang up on you if you refuse, which does not solve any issue, it only creates others. This is a very poor communicating company and they are falsifying records
Product: Credit reporting

O n   XXXX   XXXX  , 2015 I  was approved for a auto loan through a subprime len der (   XXXX   XXXX   XXXX   ).  I excepted the terms and paid the {$20000.00} debt off a year later. On    XXXX   XXXX  , 2015 s omeone had my information a fraudulently got approved for another auto loan with  XXXX   XXXX   XXXX  out of California. I 've disputed this item of which I did not authorize with Eq uifax Information Services LLC  and  XXXX   XXXX . They have both refused to make corrections and delete this account. I 've filed a police report and did everything that both companies asked of me and it 's still on my credit. As a result my credit score is down  XXXX  points and I 've been denied a mortgage. I ask that further measure 's be taking and that this account is removed as well as my score to go back up to a  XXXX  score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Investigation has taken more than 30 days FDCPA SECTION 807 VIOLATION Please remove this inaccurate information on my credit report Account involved in litigation " inaccurate reporting '' an inaccurate reporting of a PAID OFF ACCOUNT " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' a COMPLETELY PAID OFF account REPEATEDLY LISTED AS CHARGED OFF EVERY MONTH continues to re-age my accounts and reflects negatively on my report. 

XXXX  ACCOUNT NUMBER : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. As previously stated, before this account is involved in litigation. According To The FDCPA SECTION 807 VIOLATION you are reporting Misleading false information.