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

Pursuant to the FCRA, it is EXPERIAN 's duty to be reporting correct and accurate information on my credit report and file, however they are NOT. EXPERIAN is reporting 1 inaccurate late payment for the XXXXXXXX XXXX XXXX XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/scrub>XXXX XXXX This is incorrect and is supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A late payment constitutes a " transaction ''. With that said, the reporting of the inaccurate late payments results in EXPERIAN violating my federally protected consumer rights. To add to this, I did NOT give EXPERIAN written instruction/permission to furnish these inaccurate late payments on my consumer report and file, violating U.S.C. 1681b ( a ) ( 2 ). It is clear that EXPERIAN has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

In XXXX, Funds where granted to me due to a loss of a parent. The court said I would have full access to the funds when I turned XXXX XXXX XXXX. In XXXX, I contacted the lawyer that dealt with the situation so I receive and access the funds. On XX/XX/XXXX, I had finally had a court hearing about my funds. The court granted me my funds. The lawyer and I went to the court 's cashiers office to retrieve my account information and the clerk said that there's no record of the funds ever being there, I was instructed to check with the bank who has the funds which is Chase Bank. I have called and went to different Chase Banks in person and they stated that there's no record of my funds. I called my lawyer about this issue multiple times until he stopped answering my phone calls. Later on, I acquired a deposit receipt of my funds with an account number. I continue to call and show up in person to Chase Banks and they all state that my account does not exist. I have the court order signed by the judge and receipts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Been replying to these companies for quite some time. I 've sent in my credit report have n't receive anything or heard from them. They are still on my XXXX credit report. No i did not apply for car ( i do not own any drivers license ) nor did i co sign.
Product: Debt collection

On XX/XX/XXXX Kimball Triey st. John. Is trying to collect debt in the amount of XXXX that doesnt belong to me I believe I am a victim thing of identity theft. 
On XX/XX/XXXX XXXX XXXX is trying to collect debt in the amount of {$2200.00}. This is not my debit and I believe I am a victim of identity theft
Product: Mortgage

On XX/XX/year>, Citizens Bank sent me an Escrow Account Disclosure statement alerting me that my monthly escrow payment is going to increase to {$4400.00} ( more than triple what it should be ). In addition, due to the monthly increase we are also being charged a total of {$26000.00} to cover the escrow shortage. The home is a new build and the PIN is in process of being split by XXXX XXXX. The end of year escrow analysis done by the bank failed to account for this and I am now being asked to escrow more than what is supposed to be. As a result of this error, my monthly mortgage payment is increasing by over {$4000.00}. I had exhausted my savings and investments over the last eight months waiting for XXXX XXXX to divide the PIN. I am at the point where I can no longer afford this. They are asking me to escrow as if my yearly property taxes are {$51000.00} which is incorrect ; my yearly property taxes should be no more than {$16000.00}. I have spent several hours on the phone, over multiple separate occasions ( at least ten times ) in late 2023 trying to get them to freeze/undo the escrow increase. Each time I call, they give me a different timeline on when a resolution will be reached. I contacted Citizens bank every week to follow-up on this issue between XX/XX/year> to XX/XX/year>, but each time nothing changed and there was no resolution of this inaccurate estimated annual increase. Every time I call, I end up talking to someone in their tax or escrow department and they seem to be incapable of following through and doing what they say they will do in order to fix the situation. They are fully aware of the situation and have told me that this increase is not my fault ; they have acknowledged that the escrow amount they are now asking for is incorrect yet they can not fix it. All I need is for someone over there to change my monthly escrow payment back to {$1300.00}, the same one given to us with my closing documents. This situation is causing undue financial hardship to me and my family as I have exhausted all my investment and savings waiting for a resolution for eight months.
Product: Credit reporting

This is a tax lien from XX/XX/XXXX that has been paid and released in XX/XX/XXXX. It is still showing on my report. I thought it should be deleted from the report by now. 
Tax Lien Date Filed : XX/XX/XXXX Case Number : XXXX Court Number/Name : Court Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Amount : {$3800.00} Class : State Date Reported : N/A Lien Status : Date Released : XX/XX/XXXX Date Verified :
Product: Credit reporting, credit repair services, or other personal consumer reports

These fraudulent accounts are reporting on my credit report. 

XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX my account was suspended without any noticed from chime back. So I contact chime to see why my account was frozen they told me I needed to verify my identity to unfreeze account so I did as I was told and provided all documents requested in a email to support @ chime and also to review @ chime no response so after 3/4 days I received a email fro chime requesting for information so I sent them over with no problem praying to get my money in the middle of a pandemic chime told me they was closing account due to me not following rules so I agreed to closed account and a closure check will be getting sent to me in the account of XXXX. Sad to say that didnt happened. Chime bank stole XXXX  of the money and sent me a closing check for XXXX terrible sad and ridiculous so I emailed chime and ask were is the other money they told me they sent it to unemployment I said how?? When the money never came from unemployment so I reached out to unemployment to ask did they receive any payment from me chime the told me no if chime sent them anything it be tracking number. but they did tell me they sent chime bank a payment of XXXX so the check chime sent me was from unemployment they stole the other XXXX dollars from me and all I want is my money back that I work for please help I have my attorney involved I have contact XXXX chime is still not complaining with me
Product: Credit reporting or other personal consumer reports

I have called multiple times to get these hard inquires remove as I do not recognize them and its fraudulent. The accounts are as follows, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have an impound account with GMFS LLC XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX Tel : XXXX ( XXXX ) XXXX. 

On XX/XX/XXXX I submitted a Property Tax Payment of {$2400.00} and ; thereafter, realized that property tax payment was an error due to the fact that GMFS should pay for the Property Tax of XXXX ( I have an impound account ). 

I contacted XXXX XXXX ( Georgia ) and customer service stated that Property Tax Payment was accepted ; therefore, I should contact my mortgage company and explained the mistake ; therefore, GMFS could process my refund of {$2400.00} XXXX contacted customer service of GMFS ( XXXX ) and I was instructed to contact them by XX/XX/XXXX when the Property Taxes are paid and request GMFS for an Out of Cycle Escrow Analysis. 

That after Escrow Analysis, GMFS would write me a check refunding for the Property Tax paid by mistake and the refund would take 6 ( Six ) to 7 ( Seven months ) to be processed. 

I also contacted GMFS Tax department and unfortunately they can not give me a straight and consistent response to the same question. Every time that I contacted GMFS customer service I received a different response than the previous ones. 

My last secured communication with GMFS ( XX/XX/XXXX ) below GMFS response : Thank you for your inquiry. After a review of your account it reflects that you spoke with an agent in the tax department on XX/XX/XXXX. The agent assisted you with the requested information and that the tax payment will roll over to XXXX. The next disbursement will not be till XXXX I'm flexible ; however, to keep my funds ; it will not be an option for GMFS.
Product: Mortgage

American Advisors Group. Summer XXXX until XX/XX/XXXX. 

I applied for reverse mortgage on my home. I was told my application was approved but I had to finish my application by a certain date I ( I believe it was XXXX XXXX, XXXX ) to lock in a XXXX XXXX FIXED interest rate. I finished by the date. After months, I received my contract. It was a XXXX XXXX variable rate! They just shove it under your nose and expect you will be stupid enough to sign it. I do not believe it was deliberate fraud. As I will show below, I believe it is a result of sheer INCOMPETENCE. 

I had four different representatives, and each one seemed to know nothing of what the predecessor was doing. I was asked for dozens of things, which were difficult to obtain or which they could have easily obtained. For instance, they wanted proof that there was no mortgage on another property I owned that was not the subject property. How do you prove the non-existence of a property interest!!!! They wanted receipts for property taxes paid. This is XXXX and all the information can be easily obtained from public records by them. Nevertheless, after obtaining all the information they wanted, the next agent would come in and not want any of the things the predecessor did, but rather would ask for all new things. 

They tell you that they will have a property interest in the management of your property because they hold the mortgage, and I do not object to that. But they want control over all properties you own anywhere, not just the one they will have a mortgage interest in. They wanted me to put a homeowners policy on another property I own in another state, and to pay property taxes on that property. But the other property is absolutely none of their business. Even if I were to lose that other property, or for that matter even the subject property, under California law it would not affect one iota their mortgage interest in the subject property. Apparently, they are just too stupid or incompetent to understand this. They really need a course in real estate!! 
Reverse mortgages can be a good idea for many. And there are many reputable companies. I am a California attorney. I recommend consumers use a company other than AAG.
Product: Credit reporting or other personal consumer reports

I received a Notification that this company is handling a previous debt .After further research an information from XXXXXXXX XXXX XXXX  i see that this company is not registered in the stated of Texas to collect debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was part of the XXXX and Experian data breach. My information was compromised. I have taken the necessary steps to put a lock/freeze on my credit report to prevent this form happening again. I have several hard inquires from companies that I didn't apply for credit nor authorize them to so. I have tried to reach out to the companies along with the credit bureaus to try to get these inquires removed and have had no success. Some of these same inquires were also on my wife credit report. An have been removed from her report. This is affecting my credit score as well as my well as my ability to apply for credit now or in the future due to too many inquires. I makes me look like a high risk. Also I have to keep a certain imagine up due to certain security clearances for my job.
Product: Credit reporting, credit repair services, or other personal consumer reports

i notice a negative item on my credit report from santander consumer usa and sent them a letter on XX/XX/2021 requesting documents about this inaccurate item and i have attached a copy below for your records to assist me in this matter.
Product: Credit card

I have had XXXX XXXX ( Credit Protection through American Express ) for years but decided to cancel on XXXX/XXXX/2017. On XXXX/XXXX/2017, I experience a complete theft of my identity that includes Social Security #, Name, Address, Phone #, All current Credit Card Numbers and personal data attached ( but not the Credit Card Security Codes on the card ). I find this highly suspicious given that I am careful with my information and it was a complete theft of my identity across multiple credit card companies. I alerted XXXX who tried to encourage me to re-enroll in their service. While I do n't believe this is an organized tactic by XXXX, I believe their data has been compromised and they would not take my concerns seriously ( since I canceled my account ). The credit report information that they and the credit agencies have access to is the only place I can think of where this information is readily available in XXXX location, to be stolen all at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

I understand the process of the investigation is to reach every individual company to verify the accuracy in the information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verified with. In my original investigation request sent back in XXXX and XXXX, I asked the following creditors to delete anything that is not 100 percent accurate. 
This is not the time to update since you had time to update after the first letter. Now that I have pointed out the mistakes, by updating the terms is an admission of guilt and a direct violation of my rights of a fair investigation. You stated it was verified. How is it possible that TransUnion, XXXX, and XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to Section 611 due to the inconsistencies coming after my original request of investigation. XXXX failed to send me any correspondence at all after numerous requests. 
At this point, I demand you delete these accounts immediately, or I have no choice but to seek counsel to point out the rights that have been violated under the FCRA. As you may be aware, " Estoppel by Silence '' legally means that the credit bureaus and the listed creditors had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense since I have a track record of you not sending documents back to me. Please forward me an updated credit  report after you have completed your deletions and corrections of the following accounts from XXXX, XXXX, and Transunion. 

XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX XXXX - XXXXXXXX XXXX   XXXX XXXX - XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S.C. 1681 The banking system is dependent upon fair and accurate reporting. My consumer report is showing numerous inaccurate addresses, numerous incorrect spelling of my name and the wrong names, social security numbers, inaccurate telephone numbers and the wrong employer.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On several occasions, I reached out to DUVERA BILLING SERVICES as the listed collections company reporting the false information, XXXX of XXXX and XXXX of XXXX. I also called and asked to speak with someone that could assist me with understanding who and what this deb t was and how it became associated with me. I did not get any information, and I never got any information form the company as to the ownership of this debt. The amount of the debt is now at a staggering about reaching {$8600.00}. The company will not contact me nor erase the erroneous error on my report. 

I am trying to rebuild my credit for the purchase of my first home and this is a thorn in my efforts.
Product: Student loan

I called on XX/XX/XXXX to get information about getting a refund on payments I made toward my student loans since the beginning of the pandemic. The customer service representative started the process of refunding me and reinstating the loan amount I paid toward, but quoted me 5 months to a year for both and said there was no way to get proof sent to my email that the process had started. I understand that tons of people are asking for these refunds, but other servicers have been able to do it much faster AND have a process to see where you might be in the refund/reinstatement process. I'm uncomfortable that there's no way to check to make sure that the refund was actually requested, and I'm also incredibly uncomfortable with the amount of time that my money is going to be up in the air. The customer service person was great, but this is obviously much much bigger than her ; Edfinancial is being dodgy and deceptive, whether they mean to be or not. You also can't get a transcript of an online chat sent to you, which is commonplace for basically every place that offers online chat as an option. All around very disorganized and disappointing.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am submitting this formal complaint regarding my ongoing dispute with Experian, referenced under case number XXXX. Experian has failed to conduct a proper investigation into my dispute and has engaged in delay tactics rather than addressing the issues raised. 

Key Issues with Experians Handling of My Dispute : Failure to Conduct a Meaningful Investigation : Experian has not properly investigated the disputed information on my credit report, despite receiving supporting documentation. 
Deflecting Consumer Complaints : Instead of directly addressing my complaint, Experian directed me to generic resources like their dispute center, rather than providing a substantive response. 
Unnecessary Requests for Repetitive Submissions : Experian has asked me to resubmit documents through their internal portal, even though I have already provided them via the CFPBs complaint system. 
Unjustified Delays : Experian has failed to provide a clear resolution timeline, keeping my dispute unresolved and negatively impacting my credit profile. 
Parallels to CFPBs Recent Enforcement Action Against XXXX On XX/XX/year>, the CFPB ordered XXXX to pay a {$15.00} million penalty for failing to properly investigate consumer disputes and for reinserting previously deleted inaccuracies in consumer credit reports. The CFPB found that XXXX : Ignored consumer documents submitted with disputes. 
Failed to meaningfully investigate inaccurate credit reporting. 
Allowed previously removed errors to be reinserted into consumer credit files. 
Provided misleading or contradictory responses to consumers regarding dispute resolutions. 
Experian appears to be engaging in similar misconduct by failing to address my dispute appropriately and delaying resolution without justification. Given the CFPBs recent enforcement action against XXXX, I urge the Bureau to investigate Experians handling of my case and hold them accountable for non-compliance with the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection Act ( CFPA ).
Product: Debt collection

I am receiving a generic phone call from a computer telling me to call them back. When I researched the company, they are not a legit company, they are fishing for information. I do not own any debt with them. The phone number is XXXX The company is called Dynamic Recovery Solutions. I knew not to call them back, since it was a computer. I am on the do not call list. Please stop them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2013 I filed bankruptcy. XXXX XXXX was excluded in the bankruptcy, and they chose to close my account even though I was making monthly payments. XXXX XXXX is reporting information on my credit report as if the account was included in the bankruptcy. I have tried to get this corrected with all 3 credit bureau 's. I have court documentation showing XXXX XXXX account was not discharged in Chapter XXXX bankruptcy. XXXX XXXX did not receive a certificate of notice and I need my credit reports to reflect that this account was closed by them when they searched public records and found out I had filed bankruptcy. It is unfair to a consumer to report on a credit report the account was included in bankruptcy when court documentation prover the account was excluded. It appears they chose to to override the courts decision.
Product: Mortgage

I have had this account since XXXX. The loan was for XXXX. Today, XXXX, I still have a debt of over XXXX. I have been on the phone with the debt collectors countless times. I have provided my " financials '' at least three times with no change to my interest rate. When I ask for a decrease in interest rate or close my account, they offer to send me a packet of paperwork that I would be responsible to fill, provide necessary documents, etc. This paperwork requires a considerable amount of time and energy and is not guaranteed to yield any benefit. I have not been able to rise to the challenge of filling out these forms myself. 

My interest rate is XXXX %. My monthly finance charge is XXXX, plus late fee of XXXX. I am paying over XXXX a month and that does not make any dent in my overall balance. It is costing me money just to have a loan! I called today and spoke with a representative who informed me that since XX/XX/XXXX, I have accrued XXXX in interest. This, on an account I already have been struggling to pay for many, many years. I am afraid I am going to be stuck with this loan forever and I do not see any way out of the loan.