23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My husband and I modified our mortgage in XXXX. During that time, PHH mortgage ( service for XXXX XXXX ) was to waive {$93000.00} from mortgage. PHH Mortgage sent the IRS a 1099-c form indicating this amount had been waived and it was counted as additional income for the XXXX  year causing a huge tax bill for us. The document indicated it was waived XX/XX/XXXX and would not be relayed by us the borrower. XX/XX/XXXX we requested a payoff from PHH mortgage, the {$93000.00} was not included in the payoff. Currently PHH mortgage is showing {$93000.00} is due as a balloon payment. They have never processed the waiver for {$93000.00}. I have contacted PHH mortgage to rectify and employees advised they falsified the IRS document and the amount was never waived. We have suffered extensively, have been unable to refinance the mortgage because of this. We have a huge amount still paying the IRS. PHH Mortgage has been deceptive and has deceptive practices. I have a recording of a PHH Mortgage employee stating they were deceptive and falsely reported to the irs and the waiver never processed. They also have refused to provide a payoff at this time. The employee was advised that I was recording the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially submitted an application on XX/XX/2023 to XXXX XXXX regarding a credit card named XXXX XXXX.Upon initial submission I received a pre approval offer, and was told a manger would be in touch shortly to finish the application. Any pre approval offer must be a firm offer or this is an adverse action under Equal Credit Opportunity Act ( ECOA ) I provided this company with my social and was told that my personal credit must be check in order to continue my application. I was told that initially my application was approved and that the personal credit check is to personal guarantee the amount I requested, and if that amount is not sufficient I would receive a different line of credit. I received an hard inquiry but was never extended any form of credit. After calling XXXX technologies for months and sending countless emails, requesting to speak to my account manager XXXX I have yet to hear back from this company. I was even told through a member of the company that none of the cars require a personal guarantee, so if my original submitted application was approved like I was told and reassured by a operating member of this company. I have not yet received a card nor response regarding this matter.This is a firm breach of contract and also causing damage to my credit report as well for this inquiry being reported without me being extended any extension of credit. Ive sent 3 letters regarding my application and have not yet heard back nor does anyone answer the phone number I am given to call
Product: Mortgage

OMB #  XXXX  had been addressed with  XXXX   XXXX   XXXX .  Loan Number   XXXX .     Since then we have worked diligently to have their internal record s ( incl uding our statements ) reflect the correct information, to no avail. We also inquired about paying off the loan.     With no prior correspondence or discussion we received foreclosure notification in the amount of {$390000.00}. Please note the previous case with the  XXXX   XXXX   XXXX  proved  XXXX  had previous knowledge of the information and proposed to internally resolve the discrepancies.     Although the connection between  XXXX  and AIMP Management is not clear, it appears AIMP has been engaged and is responding to inquiries. I also checked the internet site and found the same P.O. Box address.      XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX , CA  XXXX  PH :  XXXX  ( direct ) FX :  XXXX   XXXX  In addition to the prior discrepancy there are now issues regarding the correct amount paid for property taxes. Although we 've provided the official  XXXX   City and County re cords which clearly represent payment from us, AIMP is claiming  XXXX  pai d them.Their  evidence are  XXXX  checks  1 )  Check number  XXXX  {$20000.00} made payable to  XXXX  County but cashed by the  XXXX   XXXX   XXXX   (  the City  and County  bank with  XXXX   XXXX    XXXX    ). 2 ) C heck number  XXXX  {$6200.00} made payable to  the City Treasurer. T his was also cashed at the  XXXX   XXXX   XXXX .     In both instances the unique stamp employed by  the City and County were n ot present nor do their records indicate receiving them.     That was the outline of events. What I would like to convey is we have no idea what role AMIP Management has in this proceeding. We also dispute the checks were used as they are claimed to be. As previously demonstrated in our past dealings through the  Consumer Protection Agency  there seems to be ongoing administration to our mortgage.
Product: Credit reporting or other personal consumer reports

I have multiple inquiries that I did not authorize, I called the company and the credit bureaus and had no resolution. The companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX   XXXX
Product: Credit reporting or other personal consumer reports

upon reviewing my credit report, I found several accounts listed that do not belong to me. I have not done any business with these companies nor have ii given any of them my personal information. Here are the accounts listed below : XXXX XXXX XXXX, XXXX {$2600.00}, Opened- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$590.00}, Opened- XX/XX/XXXX The XXXX XXXX XXXX XXXX, XXXX {$200.00} XXXX Opened- XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX {$41000.00} , Opened- XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX {$340.00}, Opened- XX/XX/XXXX XXXX, XXXX {$990.00}, Opened- XX/XX/XXXX XXXX XXXX XXXX, XXXX {$690.00}, Opened- XX/XX/XXXX Dept of EDXXXX XXXXXXXX, XXXX {$3300.00}, Opened- XX/XX/XXXX Dept of XXXX, XXXX {$3800.00}, Opened- XX/XX/XXXX Dept of XXXX, XXXX {$2400.00}, Opened- XX/XX/XXXX Dept of XXXX, XXXX {$7000.00}, Opened- XX/XX/XXXX Dept of XXXX, XXXX {$4900.00}, OpenedXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Filed a dispute in regards to incorrect items on my XXXX  credit Report. it has been well over 30 days and i haven't received any investigation results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am ( 120 ) days late on XXXX/XXXX partial account numbers XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items needaf to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Debt collection

In XXXX of XXXX  the landlord posted an immediate evacuation notice with bright flourescent green, bright red card stock paper on the door because of a roach infestation inside of the apartment unit. The immediate evacuation was for extermination. There was no housing options given, no notice, or alternative housing at the property by the landlord and the evacuation also required that the belongings and personal items inside the dwelling be covered, packaged, packed, covered with plastic, removed, etc. The demand was enforced by both the property XXXX and the maintenance staff with notices, knocking, entrance into the unit and verbal interactions. There were then several notices after the entrance to the unit where the exterminators from a pesticide company entered the unit and continued to apply pesticides inside the unit which caused illness for housepets, humans, and the dwelling was no longer habitable. The infestations of roaches caused damages to the kitchen appliances and stopped the coils from connecting in the back of the refridgerator where a large number of roaches had embedded under the coil after the the first applications of the pesticide were done, and there was damage to all food from both the roaches and the pesticide inside the unit. The harmfulness of the insecticide was so bad that it continued to cause health conditions well after the required evacuation and removals of the units belongings until an evacuation for the reason of safety. The evacuations were in XXXX of XXXX. The landlord is asking for more rent than is owed. The landlord is also stalking personally the location of the next landlord and they are not just using the mailing address for contacting regarding a collection or options for payment. The landlords are stalking and abusing for illegal collections and abuse. The abuse is illegal and there is physical harm, emotional harm, and abuse to children because of the things that they have been saying after the stalking has occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : File # XXXX I 'm complaining because Transunion have failed to comply with, furthermore wilfully ignored, my request to provide me with the documents that their company have on file that was used to verify the accounts that I disputed in writing back in XX/XX/XXXX. On XX/XX/XXXX, I sent them a dispute letter requesting that they verify all data for the disputed accounts and 40+ days later I have yet to receive anything of the sort. Because it is well past the 30 days permitted by law, and they are unable to verify the accounts, the Fair Credit Reporting Act Section 611 ( 5 ) ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely the accounts in my dispute. <P/>I ask that you resolve this matter with urgency as my character is being defamed by their wilful non-compliance with the FCRA. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to violate my federal consumer / civil rights. 

I have written multiple letters to Experian about errors on my reports and they ignored all of them past the 30 day federal requirement. 

Recently Experian has ignored my request for arbitration. Experian continues to report inaccurate information on accounts by federal law they are required to delete from my credit report. 

I have spoken to civil and federal judges in my state of Texas and to multiple consumer attorneys who are wanting to take up a case against Experian. 

The attached USPS receipt will PROVE I sent the arbitration request and an online search at USPS will show XXXX RECEIVED the letter. Dated XX/XX/23! 

I followed Experian 's ONLINE guide for Arbitration request.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  remove a public record from my account due to the fact that The XXXX bankruptcy court does not report any public records to any credit report agency. 

XXXX has removed the item but TransUnion and XXXX has not. I've sent them I certified letters and they still have not removed the item.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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 According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT MINE. EQUIFAXWILL NOT REMOVE XXXX XXXX XXXX XXXX Hide Details XXXX   XX/XX/XXXX {$14000.00} XX/XX/XXXX PAYS AS AGREED {$14000.00}
Product: Credit reporting

I just hung up the phone again with experian credit reporting agency as there is numerous errors on my credit report. The customer service rep was not helpful and would not re-dispute previous information for me. My first complaint is XXXX account which I had submitted a letter directly from the bank stating that this account was never paid late. It is showing a late payment in XX/XX/XXXX. ( which is incorrect ). I submitted the letter to experian and it was corrected however yesterday XX/XX/XXXX I received an updated copy of my credit report and this account is listed with a late payment again so they re-inserted this wrong information. I asked the customer service rep to please re-dispute this for me and he told me I need to contact XXXX myself because it has been previously disputed. I contacted XXXX and was told I need to put my request in writing to have another letter for proof that this account was never paid late. I had this letter in my messages with XXXX shops but after 180 days the letters are automatically deleted. I am furious at the fact that this account is reporting as potentially negative and should go to a positive status in XX/XX/XXXX. This account was never paid late and it has been proven. Experian should have never re-inserted this wrong information again. My other complaint about experian is I wanted to request and account XXXX that is reporting as a charge off. I finally had it removed from XXXX as that too has been confirmed that this account was paid in full 2 years ago. Experian would not re-dispute it for me. My credit is extremely important to me and having an agent not assist me in my request is wrong.
Product: Credit card

On XX/XX/year>2025, I received a notice from Synchrony Bank that they were closing my account. This letter came 1 month after I had completely paid off my account without any late payments. This type of non-voluntary closure on my credit report negatively impacts my credit rating. There was no reason for this bank to close my account given my 100 % on time payment history. If the company wants to keep my account closed, it should be reflected as " paid in full ''. To arbitrarily close my account based on random credit checks seems illegal at best. Why didn't they close my account when I was still paying on it? 
Please investigate this matter for me. 
Thank you
Product: Debt collection

On XX/XX/2022 I attempted to open a savings account with my local bank and they told me that I could not open an account. I asked them the reason and they told me that I had to contact Fifth Third Bank because it look like I had a debt that I had not paid. I then called the bank and they said that I had to pay a balance for an account I had with them a few years ago. Whenever I closed that account with Fifth Third Bank, I was never told I had any pending fees. I closed the account and I did not have any issues for years until now. I have had several accounts with different banks and nobody wants to open an account because Fifth Third bank sent my information somewhere and I can not get any account anywhere. They recently did this because I was able to open accounts until now.
Product: Checking or savings account

XX/XX/2019Regarding:  Fifth Third BankTo Whom It Concerns,My husband and I have had our Checking account with Fifth Third Bank/XXXX XXXX XXXX for a number of years.  My husband died this past XX/XX/2019.  I have resumed the relationship with Fifth Third Bank in changing the account name into my name only (XX/XX/2019).  My husband received a lump sum (XX/XX/2019) of Social Security Disability and a single payment (XX/XX/2019) in July.  Knowing the XX/XX/XXXX payment, that I was not entitled to and possibly a portion of the lump sum.  I went to the Social Security office in XXXX XXXX (XX/XX/2019) to bring this to their attention as well as my Spousal Disbursement.  In the conversation with Social Security, it was my understanding they were to bill me for the overpayment.  Fifth Third placed the hold on XX/XX/2019 and NO notification was sent to me, regarding the hold of the Reclamation in the amount of $XXXX.  It came to my attention on XX/XX/2019 talking with a Fifth Third representative that Social Security placed a hold on the funds, 13 days with NO notification from Social Security or Fifth Third thus harming my reputation.  Within the week, I wrote a check to my attorney and was notified by him that the check bounced.  Had I known the full amount was held, I would have used my account at another institution to write the check. XXXXNote: If at the time the RDFI first receives information of death, all or part of the post-death benefit payments have already been withdrawn from the account, the government does not authorize the RDFI to try to recover the funds from the withdrawer. If the RDFI does so, it acts under its own authority in terms of its contract with its depositor or under state law.Holding Payments Under no circumstances should an RDFI hold payments indefinitely in a suspense account, or by any other means, nor should payments otherwise be held if any of the conditions apply on when to return a payment. Holding payments may constitute a breach of the RDFI’s warranty for the handling of Federal government ACH payments under 31 CFR 210 and could result in an RDFI’s inability to limit its liabilityI have another issue that has come to light on a regular deposit on XX/XX/XXXX, I made at an ATM (XXXX XXXX) for $XXXX.  This ATM does not accept envelopes but takes pictures of the checks/deposit and shows the check(s) on the screen.  However, looking at my On-Line Fifth Third banking, on XX/XX/XXXX I noticed a $XXXX. Debit on XX/XX/XXXX. I called the Customer Care and was told that the machine/person could not read the check and was then debited my account, the same amount of the check.  In this conversation the Customer Care Representative stated the check was discarded and I should receive a notice the end of this week.  I feel Fifth Third should of called/emailed (they have this personal information) regarding this and not disregard the check but look into the situation and resolve this immediately.  In addition I am fairly certain there are reconciliation requirement that Fifth Third need to abide to that would allow me to see the image that they felt was not legible.Frustrated
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX bank has continued to report invalid information. Multiple disputes have yet to resolve the issue and no validation from XXXX XXXX or the credit bureaus have been received by me. 
First issue is that they were reporting a charged off account as open. Then they were reporting it charged off, every single month, for almost a year, so that it kept updating the date of last activity. 
Second issue is that I paid it off ( {$1700.00} ), in full, and they are not reporting it as such, so my utilization is showing at 254 % Third issue is that the account was never even mine to begin with. I have an FTC identity theft report and neither XXXX XXXX nor the credit bureaus took it seriously. The ONLY reason I paid something I didn't owe was because my mortgage lender advised me to just pay it and get it over with and fight it after the mortgage closed. 
This should be removed from all of my reports. There are multiple issues that have directly impacting my ability to gain new credit. I have attempted to work with XXXX XXXX and unfortunately keep getting sent to a woman who took it very personally that I dispute anything and told me she would never consent to removing anything from my report because I filed a complaint against them. She is leveraging my credit against me as retribution for filing a complaint. 
I would like this tradeline permanently removed from my credit reports.
Product: Credit reporting or other personal consumer reports

I have contacted XXXX to send me a 1099-C since they have stated that my account is charged off. They have my last payment date as XX/XX/XXXX and that they charged off the account XX/XX/XXXX. I sent them correspondence XX/XX/XXXX requesting that information however I have received no response, as it is well past 30 days. I also do not see where they notified the credit bureaus either, which are all violations of the FCRA. We are past the collection statute of limitations in California. They are continually reporting " CO '' on my credit report as a way to keep the most negative status possible, yet they have wiped out all of the previous positive information especially on XXXX. I have previously disputed with XXXX, but they seem to keep updating a more accellerated negative status as possible. When I have asked them to verify with specifics they will either deflect to a frivilous response or not investigate at all. Transunion is doing the same thing and not properly verifying the specifics. 
Long before this event occured I attempted to communicate with XXXX and they were not receptive. I even reached out to them after speaking to a non-cooperating manager to advise them that I am trying and no response other than threats. During that time XXXX XXXX XXXX XXXX and everything financial was a struggle once the Pandemic came.I am XXXX  and needed a little more time or a payment plan. There are also some documents that I have with some fraudulent/invalid information on it that I have a legal third party investigating. Hopefully, we can come to some sort of resolution so this does not have to escalate any further.
Product: Debt collection

We are on the COVID relief plan and were told that nothing would be reported late. We received the deferment but Midland reported our payments 6 months late even though it is not supposed to be reported late since we are on the COVID relief.