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

I am writing to formally dispute several items on my credit report that are inaccurate and have been reported in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically : Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Mortgage

This is with regard to my refinance with Better Mortgage Company of my home which we purchased from XXXX XXXX ( XXXX Model ) .I locked the rate with better mortgage on XX/XX/XXXX for 30 years with 2.75 % Interest rate. The vendor from their company conducted the appraisal and reported inaccurate report. I disputed the appraisal on the below points 1.The model of our home is XXXX from XXXX homes and the evaluator quoted it as a COLONIAL and compared it with other Colonial models. ( this concludes that this whole report is inaccurate ) 2. We come under XXXX school district and report quotes as XXXX school district. 

3. The Appraisal value was quoted a {$500000.00} way below the purchased price. 

We disputed and they apologized for their mistake and returned the Appraisal refund and extended the lock rate till XX/XX/2021 and promised to re-evaluate our home. 
As promised, they re-evaluation came up with a new price quoted as {$540000.00}. 
My dispute is : 1. Our home value as per the appraisal done on XX/XX/2021 is {$560000.00}. I dispute the appraisal reports from the XXXX as it is showing 2 % less from last year. I dispute this as the market rate is at-least 15 % high from the time I bought. considering three home comparisons that I provided from my builder They need to re-do the appraisal to get the accurate numbers. 
3. They need to extend my lock rate as we lost 3 weeks as the appraiser provided inaccurate information. The company is forcing me to withdraw my application. I requested you to re-evaluate the home appraisal as the market rate is at least 15 % high now and extend my lock rate and help to close my home.
Product: Debt collection

This company ( Lockhart , Morris & Mont ) which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of { {$6000.00} } with and credit reporting agencies. I requested validation of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt
Product: Credit card or prepaid card

I have been trying since mid last year to get a {$150.00} bonus from PNC that is rightfully owed to me. They had a promotion going on that they almost always run, for the Cash Rewards Visa Signature Credit Card that is considered a welcome bonus for new customers in return for spending a certain amount after 3 months, which was being advertised during the time I signed up. The last agent I spoke with from Customer Service told me there is no record of them ever having that promotion during that time and I would need to show proof. That is absolutely ridiculous. First of all, what does she mean there is no record?? The promotion was going on at that time, I can assure you. I saw the advertisement. That's what sparked my interest in getting the card in the first place. Do they not have record of their own promotions?? Second, who has proof of something like that unless they thought to take a screenshot?? If I knew that PNC was going to XXXX me over and not give me my bonus as promised, I would have definitely screenshotted it. But attached are reviews of what other customers were saying PNC had going on around the same time I opened my account with them. Please note that if PNC tries to contact me their attempt will be disregarded. I have already spent a total of THREE hours on the phone with them several times over this matter. They need to just put the credit on my account. Period!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2019, I began to review my annual credit report. At this time, I began to notice several inaccuracies with my student loans services through Navient. From that time, there has been over 27 changes regarding the balance as well as the payment history. At this time, I am unclear of if ANY of the information from Navient is or has ever been reported and calculated correctly. This has made a very negative impact to my credit score and my ability to obtain credit from potential lenders. I do not trust that any the information has been reported correctly, or, that my balance to date including the calculation of interest is correct. 

I am requesting a formal investigation take place on my account. I want to have all statements and ledgers provided to me showing each payment that has been made from the inception of all loans. I also request that I be provided with the method is which the interest is being compounded and applied towards my account from inception, and a ledger indicating this in writing.
Product: Checking or savings account

Hello, My name is XXXX XXXX. I have a savings account with Credit Karma app and or website. It's called a XXXX account. On XXXX XXXX, XXXX XXXX XXXX 's bank affiliate transfered my portion of my XXXX tax refund. Now the 'Linked External ' account I have on file with them is a now closed XXXX XXXX Checking account. I have tried to update to a new External transfer account on the App and on the website. However, the option to do so does not exist for my account as their Help Article plainly states it should for all accounts for all their customers. I have contacted them on several occasions and they playcate me and dance around the issue and they have said they are going to escalate the issue and someone will contact me by email but never does. It's as if the link in my version of the app is not functioning and clearly is looping back to the initial savings account dashboard page. I have a Information Technology background along with website development, localization, XXXX XXXX, understanding of XXXX, XXXX, and HTML and Quality Assurance flow testing. They are denying my ability to withdraw my funds in the amount of {$5500.00} USD. Please advise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following unauthorized hard credit inquiries on my credit report : XXXXXXXX XXXX XXXX  XXXX. Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX I did not apply for any credit with these companies, nor did I authorize these hard inquiries. These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately.
Product: Prepaid card

Please refund the following to Bluebird card ending XXXX : - A charge of debit card purchase via checking for {$51.00} today XX/XX/XXXX. Please refund... 
- A charge twice yesterday to XXXX for {$10.00}. Only one charge for that price occured. Please refund only one charge for {$10.00} XXXX. 
- A charge of {$29.00} by mail ) phone order which I did not make either.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( XXXX ) suitable identification proof ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the consumer 's identification of the relevant information; and ( XXXX ) a declaration from the customer stating that the information is unrelated to any transactions. 
XXXX XXXX Balance : {$4200.00} ; XXXX XXXX Balance : {$7500.00} ; XXXX XXXX XXXX XXXX Balance : {$5800.00} ; XXXX XXXX XXXX XXXX Balance : {$6800.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XX/XX/2023.
Product: Payday loan, title loan, or personal loan

We would like to submit a reoccurring complaint for close complaint #  XXXX . Although we appreciate the office from MyLoanSite.com there are still  XXXX  facts that are n't addressed in their resolution offer : # 1 - Dakota Lending ( dba MyLoanSite.com ) is not a licensed financial institution in the state of NH and therefore can not legally loan money to residents of the State of NH.      # 2 -  The highest legal loan percentage that a registered financial institution can charge in the state of NH is 36 %.     Lastly, in full disclosure, I have also contacted the New Hampshire Banking Department and New Hampshire State Attorney Generals office and have filed complaints with these agencies as well. I am more than happy to remove these complaints should we move towards an acceptable closure.
Product: Mortgage

Lost home to Foreclosure sale in XXXX. The mortgage That was supposedly the reason for the Foreclosure waw a fraudulent mortgage reconveyed from a property that had been foreclosed on in XXXX being XXXX XXXX XXXX. A default judgement that was illegally placed onto my property at topic being XXXX XXXX XXXX XXXX nc XXXX was granted on XX/XX/XXXX. There was intentionally incorrect data given to the courts through a service member service status verification falsification. that being said i was denied my rights as a service member. since the foreclosure sale my family and I have been evicted by XXXX XXXX in XXXX of XXXX. This is a problem due to on XX/XX/XXXX A representative from XXXX XXXX made the claim that They didn't purchase the property from foreclosure sale in which XXXX XXXX Special proceeding files marked XXXX, and XXXX clearly have documented that in contrary that in fact XXXX XXXX was the highest bidder in the range of XXXX. I would like to have my home back with title. Also to have all damages repaired since wrongful eviction. Why would XXXX evict us if they didnt buy or have knowledge of purchase or ownership. I will include a copy of HUD1 that was provided by XXXXXXXX XXXX XXXX XXXX that not only has incorrect arithmetic but has a loan number that does not match The Pay off Demand letter that was also provided by Attorneys XXXXXXXX XXXX XXXX XXXX. The Legal description description from XXXX Register of deeds and XXXX does not match XXXX XXXX yet does Match XXXX XXXX XXXX. the sub trustee worked for the foreclosure firm and still to this does one said being XXXX XXXX XXXXXXXX XXXX XXXXXXXX trustee services. This company is part of XXXXXXXX XXXX XXXXXXXX XXXX. THE LOANS OR FORCLOSURES NEVER REFLECTED ON MY CREDIT NOR DO THEY CURRENTLY. THE SCRA STATUS VERIFICATIONS ARE NOT ACCURATE OR TRUTHFUL THAT WHERE SUBMITTED INTO SPEACIAL PROCEEDING FILES XXXX AND XXXX. THE XXXX XXXX SEARCH IF VALID WOULD HAVE REQUIRED MY SSN, DOB, BDAY, AND WOULD HAVE SHOWN AS A SOFT INQUIRY ON MY CREDIT REPORT. NONE DID NOR COULD THE D.O.D VERIFY ANY SUCH INQUIRIES HAD EVER BEEN MADE IN TH EPAST YEARS USING THE UNIQUE NUMBERS EACH REPORT DISPLAYS ON PG 2 OF REPORTS. SO THIS ENTIRE ILLEGAL SITUATION SHOULD BE EASY TO REMEDY FOR MY FAMILY AND SELF
Product: Credit card

XX/XX/year> bought tickets online from XXXX. Macy 's declined the transaction awaiting confirmation from me that the transaction was mine. I went to XXXX  & saw the order was canceled, so I purchased alternative less desirable tickets because I already made travel & accommodation arrangements for the concert. XXXX  XXXX virtual assistant couldn't refund a transaction that was canceled, so I filed a dispute with Macy 's XXXX XXXX. I received a letter today stating I'm responsible for the transaction because all sales are final. I called Macy 's, they said the case # XXXX was open for 7 days, I asked to speak to a supervisor, they gave me XXXX  left a message since the hours are XXXX XXXX EST to request a charge back, I didn't want to waist the 60 day timeline since they're ultimately responsible for accepting a charge they declined & was canceled by XXXX, but now doesn't exist through XXXX any longer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent account- XXXX XXXX account number XXXX I tried contacting and submitting multiple disputes for this to be removed from my Equifax credit report because it is a fruadulent account reporting on my Equifax report XXXX found that out and removed it from my report as I provided an uploaded document but Equifax wont remove it when I tried their customer service would not help and take care of the negative account reporting to my credit report.
Product: Mortgage

My old mortgage company XXXX XXXX switched me over to Freedom Mortgage on XX/XX/XXXX and when I logged on to my portal with Freedom Mortgage I noticed that my account is in Active Loss Mitigation. I called them on XX/XX/XXXX to ask them why was my account in active mitigation and they told me it was because my previous Mortgage company XXXX XXXX sent them my loan over with me being in the COVID forbearance program, '' which I wasn't and never in ''. After they looked at the paper work they notice that the Covid forbearance program was dated XX/XX/XXXX through XX/XX/XXXX and that they will remove it from my account by XX/XX/XXXX. When XX/XX/XXXX came I logged on my Freedom Mortgage account and noticed that it have not been removed. So I called Freedom Mortgage again on XX/XX/XXXX and I was told that it has been removed that they just have to update the computer systems that's why its still showing loss mitigation. Then I called again I believe on the XXXX and then I was told that it was never even put in the system to be removed and that now they put the ticket in to be removed. I spoke to XXXX that day and she was very rude, I spoke to the supervisor about her that day also. Then I was told another date XX/XX/XXXX that it will be done and removed. So on XX/XX/XXXX I checked my Freedom Mortgage online portal and my account is still in Active Loss Mitigation. So I call again and this time they don't give me a date they tell me it will be removed in a couple of days. I also emailed the Loss Mitigation department twice once on XX/XX/XXXX & XX/XX/XXXX about this situation and I never gotten a reponse. Now it's been over a month and it still has not been removed from my mortgage account. I never missed a payment before and I never enrolled into the COVID relief program so I do not know why my account is in Active Loss Mitigation and Freedom Mortgage is not removing that status from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681c-2 BLOCK AND DELETE. NOTICE FTC IDENTITY THEFT REPORT - Proof of identity - Copy of Credit Report - FairCredit ReportingAct Section 605B WERE ALREADY SENT TO XXXX / XXXX XXXX XXXX XX/XX/2022.
Product: Debt collection

Today, XX/XX/2019 I received a letter from a company calling themselves Convergent Outsourcing Inc . The address for their business is PO Box XXXX XXXX WA XXXX OR XXXX PO Box XXXX XXXX PA XXXX They are attempting to collect {$18000.00}. As I have never had any type of account with them at all. I sent the a debt validation request. Then I started to do some online research and I find that they are indeed a scam. I believe they are attempting to perpetrate a fraud upon me and I am requesting your assistance.
Product: Credit reporting or other personal consumer reports

Experian is still reporting incorrect information on my credit report, I have submitted all need documents. I am ready to take Legal action against this company.
Product: Credit reporting or other personal consumer reports

These XXXX inquiries reporting on my TRANSUNION credit report ( SEE ATTACHED ) are fraudulent, inaccurate, and unverifiable.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my XXXX XXXX. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : lXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Equifax, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  and XXXX are Illegally using my personal information and violating my rights to privacy. My identity has been stolen, and the credit bureaus are strangers to me and do not have firsthand knowledge about me and continually attached accounts that are not mine or erroneous information pertaining to the account such as information on open, ended credit accounts and reporting incorrect information such as the name that appears on the credit report is not my name I have continually asked each bureau to correct my name and remove any address from my report that does not reflect the address on my drivers license. This is the only address that I have where I can receive mail. I have asked them to remove the accounts that are erroneous, which have been paid in full but is showing as charged off or late this is not correct. I dont have any charged off accounts nor do I have any late accounts or unpaid balances I have asked for this information to be corrected yet. They say that it has been validated, I asked for the procedure. They did not provide it and they did not correct what was incorrect. The information these companies are reporting is causing harm to my life because I can not get housing, employment or credit, which is mine by XXXX right. The truth and lending act fair debt collection practices act and the fair credit reporting act are all being violated against me by these companies. The personal information is incorrect thus reporting information belonging to someone else. The information should be deleted immediately.
Product: Mortgage

In XXXX I obtained a mortgage through National City Bank. I only put a small amount down so I was required to have private mortgage insurance. National City was acquired by PNC bank and I was consulted by mortgage loan officer XXXX XXXX of PNC ( XXXX ) and encouraged to refinance with more attractive terms which I did. In XXXX XXXX XXXX reached out to me again and explained that I had fulfilled the requirement with timely payments to no longer have PMI. I called the number given to request the PMI be removed ( XXXX ) and was informed that within 7-10 business days I would receive the information to have it removed by sending the request to PNC BANK XXXX XXXX XXXX XXXX, OH. XXXX Later, I received a letter stating that although I met the 80 % or less of my homes appraised value, neither the length of time nor my timely payment history would be cause for the PMI to be eliminated. Instead it would remain for the life of the mortgage. 

Please assist me in this matter as PNC is unjustified in maintaining this insurance as a profit making tool and not a defense to mitigate possible loss from default.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I relied on the XXXX bank known as Mercury to send an ACH transfer to another XXXX bank account ( XXXX ) on XX/XX/XXXX. 

XXXX has a limit of monthly incoming funds ( which I wasn't aware of ) that prevented the transfer to be correctly received, so they sent it back that same day ( XX/XX/XXXX ). Today ( XX/XX/XXXX ), almost 30 days later, I have no clue where my money is. 

The {$5000.00} never reached my Mercury account again even though XXXX correctly proved ( the proof file is attached to this complaint submission ) that the money was actually sent back. 

After many days and many emails to the support team, Mercury hasn't been able to even suggest what might have happened. They haven't provided any XXXX  for a resolution, nor any explanation or compensations. It seems that they are just waiting for me to forget that they lost my {$5000.00}.
Product: Credit reporting or other personal consumer reports

i had got a subprime auto loan from Santander through XXXX XXXX and had been completely misled and had ended up after trying to change a payment due date having the car repossessed and after several attempts tp bring the account current was not able to get car returned. 
i do believe this account should have been removed after the class action lawsuit as clearly i would ualify for a deficiency waiver as the car was repossessed with in 12 months without any prior notice nor any staff able or willing to discuss getting it back. 

it was XXXX  XXXX XXXX very deceptive and difficult bank to work with and its been 6 years 4 months on my report so i would simply ask that it be taken off my credit reports
Product: Debt collection

This company is reporting information without my consent in which it states i owe such debt to this collection which is not in fact the original creditor this is false pretenses This company have violated my consumer right under 15 U.S. Code 1692j - Furnishing certain deceptive forms.