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

I provided information supporting my dispute but it was not resolved : XXXX. On XX/XX/XXXX, I moved into the apartment XXXX  XXXX. At that time the name of the apartment was XXXX XXXX XXXX The apartment changed the name to XXXX XXXX XXXX XXXX  sometimes between XX/XX/XXXX and XX/XX/XXXX. 
XXXX. At the time of move in, I paid {$150.00} with cashier check as required by the apartment- as shown by " Lease_ContractXXXX XXXX XXXX I moved out on XX/XX/XXXX. " XXXX '' showed that I have always paid rent and other bills ahead of due date. 
XXXX. " Final Account Statement XXXX '' showed the final bill which I disputed with the XXXXXXXX XXXX XXXX XXXX ; but did not get any reply from them. These are the items from the bill that is dispute : XX/XX/XXXX Water Charge XX/XX/XXXX to XX/XX/XXXX Utilities XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX Stormwater Admin XX/XX/XXXX to XX/XX/XXXX Utilities XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX Sewer Charge XX/XX/XXXX to XX/XX/XXXX Utilities XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX Stormwater Charge XX/XX/XXXX to XX/XX/XXXX Utilities XX/XX/XXXX to XX/XX/XXXX XXXX XX/XX/XXXX Cleaning Charges/ Fees regular housekeeping XXXX XX/XX/XXXX Water / Sewer FINAL WATER BILL ( XXXX ) XXXX CONCLUSION : They should be refund some of the {$150.00} that I have deposited back in XX/XX/XXXX. 
Regards, XXXX XXXX
Product: Credit reporting

XXXX XXXX a leanding copany checked my creidet report and didnt know anything about it
Product: Mortgage

In XX/XX/XXXX, my mortgage was transferred to StateBridgeCompany. The summer property tax payment was due at the end of XXXX. They did not pay this on time. The city charged my account a late fee of 0.5 % of the amount owed, coming to XXXX. StateBridge finally made the property tax payment on XX/XX/XXXX, including the late fee and charged all of it to my escrow account. 

I called them at least 6 times in the past month to find out why they charged the late fee to my account, and they have yet to resolve the issue. More than once they promised to call me and have not. I sent them all the information they requested to their escrow department, I left messages for the supervisor to call me back, all to no avail.
Product: Credit reporting or other personal consumer reports

I was notified by XXXX that there was a credit request on XX/XX/year>. It was from Bank of America. I did not apply, give authorization or have an account with Bank of America. I put in a dispute with XXXX. 

XXXX directed me to put in complaint with FTC.gov and call Bank of America. The FTC.gov website directed to to file complaint with consumerfinance.gov. Bank of America removed the credit report request. Bank of America will be mailing letter stating they removed credit report request.
Product: Mortgage

Ditech reversed payments of 7 years of principal and added it back later as interest. Has miss posted payments and not posted some payments.
Product: Credit card or prepaid card

I have repeatedly paid my bill by way of mail. The first payment I sent was on XX/XX/XXXX certified mail tracking number XXXX. I did not hear anything back from Bank of America. I then sent a second payment on XX/XX/XXXX certified mail tracking number XXXX which was delivered on XX/XX/XXXX at XXXX pm. It is now XX/XX/XXXX and I have yet to have the payment reflected on my account. I have given ample time and have called Bank of America numerous times about my payments and have yet to receive a response as to why my payment has not been reflected on my account. I want to submit a billing error complaint and get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX XXXX, XXXX XXXX repair all started from trying to help me with housing then wanted to do a credit check placed hard inquirys I'm still homeless I've paid for inquiries I didn't do when I'm trying to astblish credit, I'm not looking for cars when my license are suppended these address es listed don't add up I'm tired of payments with auto pay nothing is beIN done period I wrote letters an etc
Product: Debt collection

I disputed the account with Equifax and it was improperly investigated
Product: Credit reporting, credit repair services, or other personal consumer reports

I am still fighting this student loan mess in my credit reports it started in XX/XX/XXXX and I was born XX/XX/XXXX ; the CBs have my d.o.b. however that dont seem to help stop them from allowing this type of stuff to happen. I am frustrated to the max I am trying to buy a home for my family and this is stopping me. Something need to be done immediately and these student loans need to be removed from all 3 CBs Transunion, XXXX and XXXX  ... I need this taken care of from the day I first filed my dispute and they keep saying this stuff is verified JUST HOW IS IT VERIFIED I WAS BORN XX/XX/XXXX was not thought about in XX/XX/XXXX my parents had was only XXXX going on XXXX years old at this time and this is frustrating me too the max!!!!! I need HELP and need it NOW ... It look like the wrong social security number and incorrect names along with addresses I sent on my report and these people is doing nothing to get this cleared/removed when it shouldve NEVER been on my report from day 1!!!
Product: Credit reporting or other personal consumer reports

I have tried multiple times to contact TransUnion credit bureau over at least a two week period.Itried to log in innumerable times and get into a loop asking me to log in again. Next I ask for log in help they say will help in 106 minutes but who can hold for 106 minutes. One time said 26 minutes and I held that long only to get disconnected. I have been told they will help me multiple times on line but they just disappear or say they cant find me despite my logging in XXXX XXXX  of times. In contrast other 2 credit bureaus provided easy streamlined online process for initiating credit freeze. This company needs to cease being a credit bureau or fix there systems. Not sure if credit is sufficiently frozen if only two bureaus have complied. They said I could mail in credit freeze info but Im not comfortable just sending my SS # to this incompetent company. 
Thanks
Product: Credit reporting

The courts are reporting a Bankruptcy with my name. The US Bankruptcy Court told me that they do not report or verify that information to the Credit Bureaus. That information was pulled by a Third Party and they reported it. After disputing it with Trans Union they claimed it was verified by the US Bankruptcy court which is a blatant Lie, therefore this must be deleted from my report immediately.
Product: Mortgage

SLS Mortgage will not update my account with payments from XX/XX/XXXX and they denied me the ability to make payments via the web service or over the phone.

Specialized Loan Services has continued to not credit my account for electronic payments made XX/XX/XXXX in the amounts of {$4600.00} ( XXXX XXXX XXXX XXXX XXXX ) and {$6100.00} ( XXXX  XXXX XXXX ) ( *total of {$10000.00} ) made electronically to SLS citing my account number via bill pay services from both of these banking institutions. My accounts were debited on XX/XX/XXXX in these exact amounts, however, my SLS account has shown no change. 

I called today XX/XX/XXXX to make a {$9000.00} payment and was denied to make any payments over the phone by XXXX ( teller ID # XXXX ). She would not cite any legal reasons for not accepting payment over the phone. After placing me on hold ( several times ) and referring to her management, I was instructed to XXXX payment by mail to Specialized Loan Services XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX and given no other options. 

Payments on XX/XX/XXXX in the amount of {$6000.00} and XXXX {$8800.00} were accepted over the phone. All notes on the account should reflect my purpose to become current and make payments towards that effect. There is also an UNAPPLIED payment amount of {$3700.00} against my account which SLS has been requested to apply against the arrears amount, but has NOT COMPLIED.

SLS has consistently 1 ) Denied me the ability to be covered under COVID FORBEARANCE protection without citing specific reasons for denial 2 ) Continually and consistently coerced me to apply for their Loan Modification program, even enrolling me without my consent 3 ) Denied my ability to make payments in a timely fashion through the web or via phone - or otherwise failed to apply payments I have made to my account in a timely fashion to reflect my ambition and purpose of getting the account up to date. 4 ) Misinformed me, mislead me or otherwise misdirected me via their call center and supervisor escalations thwarting my abilities to address my delinquency in a timely fashion. 

If it were not for XXXX XXXX XXXX I would have been railroaded by SLS ' call center staff and supervisors into a Loan Modification program which I did not want. XXXX XXXX of XXXX has been instrumental by being a liaison between SLS and myself. 

PLEASE HELP ME!!! It is clear SLS ' intent was to either enroll me in their Loan Modification Program or to not accept payment and force foreclosure. 

It has always been my intent to resolve the account and bring it current. I have been stonewalled at every attempt to do that when it is not under their loan modification terms.
Product: Credit card

Citibank advertised that if I use my credit card for purchasing home furniture, I get back 5% on my purchases.  I had several other credit offers in the mail, offering various % back on purchases, and I decided to go with my existing Citibank credit card because it offered the highest % back.  When it came to paying the 5%, they said that the merchant classified itself with Visa/Mastercard as a "specialty" merchant, and they will not pay my 5%.  I contacted the merchant, the merchant stated that their business was set up years ago, business classifications were different back then, and they are more than happy to verify  for Citibank that they are EXCLUSIVELY a children's home furnishing store.  They also have a website that confirms this:  XXXX  My purchase definitely qualifies for the cash credit.  I contacted Citibank again, and customer service has no interest in verifying any of the facts.  They just simply denied my cash back.  I could have used another card that maybe gave back less, but no tricks involved.  There was nothing on the website saying that if your merchant set up its business decades ago and is not classified this and that, you won't get any cash back. Citibank uses common sense, plain XXXX in their advertisement to pull you in their misleading deal ("5% cash back on home furnishings") but then have tricks to get out of their obligations when it comes to paying.   I could have had money back from other credit card companies and not use Citibank in the first place.  They owe me money as far as I am concerned.  I have been a Citi customer for YEARS and paid my bills on time.  I expect to be treated with respect.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX Balance : {$26000.00} XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX Balance : {$760.00} This compliant is my follow-up to ensure that the listed accounts are validated
Product: Credit card or prepaid card

On XX/XX/18 I was notified of identity theft. I was contacted by multiple credit card companies that someone was attempting to make changes to my accounts ( XXXX, XXXX, XXXX and Macy 's ).  Macys called on XX/XX/18 and said someone was attempting to increase my credit limit. I told them I was not, and to cancel my card. On XX/XX/18 a customer service representative called from Macy 's and said another woman was on the other line trying to make a {$3000.00} furniture purchase on my account, and claiming to be me. She also tried changing my phone number to another number. I told them it was not me, and to just close my account. In XXXX I received notice from Macy 's of an unpaid balance on my account that was past due. The letter stated they had been trying to reach me but could not get a hold of me ... but this was the first notice I received about a balance due. I paid the balance immediately. I then found out Macy 's submitted negative credit reporting and now I can't get financed for a house. I called Macy 's and they told me that back in XXXX with the attempted fraudulent activity, the person posing as me successfully changed all of the contact information for me- including phone number and email address, and then made a request for paperless statements instead of mailed statements. Under FTC laws, Macy 's is required to notify me about a balance 21 days before it is due, but they did not because they kept the fraudulent contact information associated with my account. I have spent hours on the phone with them to try and get this handled. Macy 's  credit reporting department refuses to reverse the negative reporting and told me they checked with XXXX and were able to confirm that I received emailed statements and that I opened them. Here 's the problem ... I don't have a XXXX email account.
Product: Checking or savings account

I sold my old phone last year and I guess I didn't remove my XXXX  wallet. During XXXX of this year, I contacted wells fargo because I noticed that some unauthorized activity was done on my account. I saw that some transactions were made in North Carolina which wasn't the state I was stay in. Someone was ordering rides and food on my card. I contacted wells fargo about this, they opened a claim and instantly denied me saying I made these transactions. I am explaining to them I have never been to a XXXX XXXX  in NC that this wasn't me. But I was just denied. I lost XXXX $ because of this, I never made any of these transactions
Product: Mortgage

Unfortunately, I fell behind in my mortgage payments towards the second half of XXXX. 
My expenses have increase over the past few years and my income has not been able to keep up. 

I have been going through a difficult divorce for the past several years. My ex does not work or contribute anything to the family. We have XXXX XXXX  who have been living with me full time for the past three years. During that time my savings and income were unable to keep up with rising inflation, expenses and unexpected life expenses- such as braces and medical fees for my children. 

All of us have had Covid several times which has been difficult as a self-employed individual to manage. 

I applied for a loan modification in XXXX. It was approved and I made the first payment in XXXX. When it was time to make the XXXX payment - at the end of XXXX - XXXX missed the date - and XXXX was the next day. The banks were closed for several days over this weekend. When I called to make the payment the first Monday after the holiday weekend, they would not accept it ; the calendar month had changed and they stated the program/modification was cancelled. They told me I needed to re-apply. 

I immediately re-applied within a day ( the first week of XXXX ). 
I then received a letter - within just a couple of days - dated XX/XX/XXXX, stating a " non-approval/denial '' - even though I had shown I could still make the payments. 
The foreclosure process immediately began on XX/XX/XXXX. 
On XX/XX/XXXX, I received another letter from the Loan Care dept stating my application was incomplete and that I had not sent in all of the required documentation ( which I had ). 

I immediately called and inquired about the new letter and also inquired what could be done to postpone or stop the sale. The man simply stated I could " try '' to resubmit a new application- but admitted that is taking 30 -45 days for review, and since my sale date was sooner it is likely a waste of time. The only other option is to make full payment of the debt I am behind.
Product: Debt collection

M.G. Credit is attempting to collect on a debt that was dismissed by   XXXX   County Courts   per the petitioner for the debt. The monies allegedly owed are also being reported on my credit reports as well. Document clearly show PLAINTIFF ASK THE COURT TO DISMISS, WITHOUT PREJUDICE PLANTIFFS COMPLAINT FOR EVICTION AND DAMAGES, PURSUANT TO RULE 7.110 ( A ) ( 1 ), FLORIDA RULES OF SUMMERY PROCEDURE, FILED AGAINST THE DEFENDANT,   XXXX   XXXX   XXXX  , Signed by   XXXX   XXXX   XXXX   XXXX   and list his name address and phone number. I am uncertain why this debt is still being requested in addition to being reported on my credit reports with  XXXX ,   XXXX    and  XXXX .
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax for failing to complete an investigation regarding inquiries on my credit report within the legally mandated timeframe, as outlined under the Fair Credit Reporting Act ( FCRA ). 

XX/XX/year>, I submitted a dispute to Equifax requesting the investigation and removal of unauthorized or inaccurate inquiries on my credit report. According to Section 611 ( a ) ( 1 ) ( A ) of the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies are required to investigate disputes and provide a resolution within 30 days of receiving the dispute. However, more than 30 days have passed, and Equifax has failed to provide the results of their investigation or remove the disputed inquiries.

This delay not only violates the FCRA but also impacts my ability to maintain accurate and fair credit reporting. Additionally, under Section 611 ( a ) ( 5 ) ( A ) of the FCRA, if the agency can not verify disputed information, it must be removed promptly. I've attached my license, utility bill, and identity theft reports.
Product: Vehicle loan or lease

Due to a current crisis in the US ( COVID 19 ) I'm unable to work due to a XXXX 's governor order " Stay home '', thus I called them to ask for an extension, they offered me 1 month extension however this money will be added to the end of my term which is fine, PLUS they make me liable for an APR for the current month, I want you to understand this is not me who caused this crisis in the country and thus I refuse APR which is 18 % ; associate on a line spoke to a manager and  they refused to waive the APR for the current month. I'm not using their car this month and it just sits here parked, they are trying to take advantage of a situation!
Product: Vehicle loan or lease

Over a year ago Wells Fargo canceled my auto loan. They never came and got the vehicle and now they want to. Problem is now the truck has lost a year in resale value. The truck also from sitting now has mold all on the inside further lessoning the resale value. They refuse to lower the amount owed. So now I'll be holding more payoff debt than what I would have had they come and gotten the vehicle in a timely manner. I was also one of those who were unable to pay a when there computers went down for almost two weeks. They repossessed my truck and sent it off to auction. Luckily I was able to retrieve the vehicle hours before it was going up on the auction block.
Product: Credit reporting or other personal consumer reports

TransUnion for clarification is TransUnion indicating that XXXX XXXX-VERIFIED AS REPORTED as an inaccuracy or an accuracy? Despite the proof of inaccuracy information that I provided from TransUnion ; also is TransUnion claiming that they are in compliance with 15 U.S. Code 1681e - Compliance procedures reporting agency prepares a consumer report it shall follow reasonable procedures to ensure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 USC 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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

Sent notice with instructions through certified mail # XXXX XXXX XXXX XXXX XXXX dated XX/XX/23 to correct inaccuracies on personal information in consumer report and delete inaccuracies immediately. 

Consider this a final notice to your offices. I would gladly present this as my evidence of my trying to rectify the situation by notifying the cfbp. I will take necessary remedies for your willingly and willfully non-compliance with federal law.
Product: Credit reporting

I paid lending point in full and they have not updated my credit report for XXXX and I ca n't get ahold of them
Product: Credit card or prepaid card

Capitol one raise credit limit with my authorization.and paid budget and XXXX XXXX XXXXhad me change credit card number claim they won't pay them. charge me late fees. reported late to all credit bureaus.after payments made. 
Charging my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, date opened XX/XX/XXXX. I am requesting this account be deleted off all my credit reports with each agency. There are a plethora of inaccuracies amongst all XXXX agencies. I m also requesting a pay history because the payment amount that is reflected {$760.00} is not the amount I recall PAYING, and Iam req proof of debt. Last payment for XXXX shows XX/XX/XXXX, and transunion shows XXXX, XXXX XXXX. Account status for XXXX shows collection and transunion shows open. Last payment for XXXX show XX/XX/XXXX, XXXX shows XX/XX/XXXX and transunion show XXXX XX/XX/XXXX. Please remove this off my credit reports.
Product: Mortgage

My wife and I have been trying to refinance and pull cash out. The loan to value is low We are using my VA benefit. We have had the inspection and there are several small items, primarily peeling exterior paint on molding around garage doors and windows. I contacted the VA and was told due to weather the VA would give them a waiver. 

My lender Freedom Mortgage, who currently has our mortgage, would not request the waiver but instead want to do an escrow holdback for {$1300.00}. My fear is that I can not get the paint complete due to weather ( I am in the XXXX in XXXX XXXX within in their timeframe which I am sure will include fees. 

I feel the company is putting an additional barrier up for me to use my VA benefit.