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

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experian 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with the federal law and provides consumers with the necessary proof of investigation. These are the accounts I marked as inaccurate. 

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

In spite of my having been promised by a finance company that it would no longer process applications from XXXX XXXX XXXX using my personal information, a finance company named XXXX XXXX XXXX XXXX of XXXX, Texas requested a consumer credit report anyway. 
And in spite of my having a Credit Report Freeze in place ( see attachment ), TransUnion released my Credit Report and Credit Score to XXXX XXXX XXXX XXXX ( see second attachment ). 
Previously, the same finance company listed above attempted to get my consumer credit report from a Sub-prime credit reporting bureau belonging to TransUnion or one of the other two Major credit reporting bureaus which I had not known existed so had not established credit report freezes and apparently the Major Credit Bureaus are not requiring that their Sub-prime credit reporting bureaus honor the freeze in place with them. 
The six sub-prime credit reporting bureaus are : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, and XXXX. And there is also a new fourth Major credit reporting bureau, Innovis. If this is published it is important that consumers are aware that there are now at least ten credit reporting bureaus they will need to set up credit report freezes with - no longer only the three major bureaus- XXXX, XXXX, and TransUnion. Consumers need to demand that the CFPB and its XXXX, XXXX XXXX, implement appropriate rules that address this tripling of credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2021, I APPLIED FOR A CAR LOAN AT A LOCAL CAR DEALERSHIP. AFTER THEY RAN MY CREDIT REPORT, I WAS TOLD BY SALES REPRESENTATIVE THAT ALL THREE CREDIT BUREAUS SHOWED TEN NEGATIVE ACCOUNTS OPEN. AFTER CAREFULL REVIEW OF MY CREDIT REPORT, I WAS AWARE I AM A VICTIM OF INDENTITY THEFT. THE INFORMANTION LISTED BELOW, WHICH APPEARS ON MY CREDIT REPORTS, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. IT IS THE RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$22.00} XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, MA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXX NA {$560.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ORIGINAL CREDITOR NAME : XXXXXXXX XXXX {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ORIGINAL CREDITOR NAME : XXXX  {$120.00} XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, VA XXXX ORIGINAL CREDITOR NAME : XXXX XXXX  {$25.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NY XXXX ORIGINAL CREDITOR NAME : XXXX {$70.00} XXXX XXXX UNKNOWN ADDRESS {$44.00} XXXX XXXX XXXX ADDRESS {$0.00}
Product: Credit reporting or other personal consumer reports

I was shopping around for new insurance quotes and one of them send me a pdf document that says XXXX  on top. The person tells me well this is why you insurance is higher than it should be once those accidents erase then your premium insurance will go down I read the document and I had 3 accidents before that were not my fault they were the other people responsibility but on their report they have them as my fault I called the XXXX in Maryland and they told me that they dont provide the information to the insurance that they dont know where they get that information, that I should contact the Maryland insurance commissioner and try to get their help. 
I also called LexisNexis which is the company that provided my record to the insurance and they claim to be an agency that provides public records to insurance I said well you are providing the wrong information and that affects my credit, the agent says okey I would ask some information from you for security reasons which I understand but then she started asking me for my Social security, driver license and all of this info they are supposed to have already. At this point Im like wait I feel like Im providing more personal info that I want to share and anyways were did you get this information and she responds well from many sources like the public data, XXXX and many others.

The 3 accident on this report show as at fault and the 3 accident were at non fault which every time a insurance company give me a quote I get high prices
Product: Money transfer, virtual currency, or money service

Date : XX/XX/2018 Amount : {$2500.00} Actions : I transferred the money to my friend on the Bank of America mobile app. This transaction is through XXXX. My friend 's account is in the XXXX XXXX. The Bank of America mobile app requests me the name and the phone number of the opposite side person. I gave the information about my friend. But my friend didn't receive the money. 
What I tried to do : I asked Bank of America to refund the money. They told me they finish the transaction. They contacted the XXXX XXXX. XXXX XXXX said they received the money, and they can not refund the money. But the XXXX XXXX also said the name doesn't match, but the money still goes into the account along to the phone number. Bank of America said they transferred the money relies on the phone number, it doesnt care if the name that I gave is matched or not. But they did request me the name of the account, and XXXX XXXX said the name does NOT match, so they should NOT transfer the money. I also contacted the XXXX, they told me they can do nothing for it, and they encourage me to ask help for the Bank of America.
Product: Debt collection

On XX/XX/2021 I received a notification from XXXX I opened it up to fine a collection on my credit report That was unfamiliar to me. I called the collection agency by the name of Stafford Group associa. A gentleman answered the phone by the name of XXXX XXXX, I explain to him that I was calling because received a notification stating that I had a collection from his collection agency he stated to me that the original creditors was XXXX and that he took over the debt and the sum of {$9300.00}. I explain to him that I never had an account with XXXX I explain to him that this must be a big mistake he then became very hostile stating that he was going to sue me if I didnt pay the money XXXX try to explain to the man that this must be some type of identity theft because I had no idea who he was, and I had no idea about a company named XXXX. I asked the gentleman to send me some type of verification because he had no right to put a bill on my credit report without verifying it with me.he told me that he can do whatever he needed to do to get his money and hung up the phone on me. I called to XXXX and filed a identity theft report, I went to The police department and filed a report I also filed a Identity theft complaint with the federal trade commission. Upon further research this account was transferred/ sold By the original creditor, Debtors Creditors did not verify this collection also there Was no written form of communication contact or written signature for this accused Debt at all. A bill without a written signature does not validate the Debt, and anyone can send a bill and say its mine according to the FCRA Stafford group associate has violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Vehicle loan or lease

I have nothing but problems with Santander Consumer USA Inc. Time And again, they continue to fail to properly manage the servicing of my vehicle loan, something that its not NEW as this company has been sued by the Attorney General 's of over 30+ states in the nation. It is obvious that they aren't doing there job correctly, they continue to XXXX at us who unknowingly were placed with this scrupulous company for our auto loan. Honestly had i been let aware that this company was going to be funding/servicing my loan with the history they have I would of said NO way JOSE. Anyways the company had the wrong information as far as my " bank '' so i cancelled the scheduled payment and manually enter a new payment, I did so to assure that they wouldn't try to request payment from XXXX XXXX XXXX  ( XXXX ) which was my old bank account.. so then I would be late, default etc.. so I wouldn't have to incur negative marks or additional fees i change the form with the correct account information. Now they failed to cancel the " scheduled '' payment which the system said was cancelled or else why even give me the option to cancel.. So a couple of days later I see my account is overdrawn, why? they submitted both payments to my bank.. Now I wasnt able to properly pay my rent and other bills as my account had been over drawn .. I called and their executive team tells me that their system didn't cancel my previous scheduled payment etc .. and although this created yet another unforeseen extremely difficult financial situation for me, I had to endure it and pretty much shut up.. I was told that their payment system would be re submitting the payment one more time, I suspected this would happen the next day etc.. NO it happened 11 days later on XX/XX/2020 i see that my bank account again is overdrawn and that they re submitted the payment.. why 11 days later? I have my insurance to pay and other payments that automatically de-ducted from my bank account .. No i dont know if my bank is going to pay my other bills or decline them leading to other penalties and fees again to be blamed on the mismanagement of Santander Consumer. Nothing I have nothing ... I can't even use my account or pay other bills even though my car payment was paid fully on time .. why do they continue to create so many problems on me? even their degusting APR is a joke, that I didn't even know i was paying as my Dealer wasn't upfront about this either.
Product: Credit reporting, credit repair services, or other personal consumer reports

Loan was included in my XXXX XXXX that was discharged by the court as of XXXX. 
I have returned their car back, sent messages via their site ( XXXX XXXX ) called a couple of times, attached a copy of the discharge to their site and via email. The attorney that filed the Bankruptcy has even emailed them letting them know that they should stop defying court order, yet, they still keep reporting it on my credit report as missed payments and the account isn't still closed. While every month i get emails and mail in my mail box of statements from them to make payments. 

I would think that XXXX XXXX would know a bankruptcy discharge operates as an injunction against the commencement or continuation of any act to collect or recover a debt as a personal liabilty of the debtor is properly a basis for civil contempt proceedings.
Product: Debt collection

I, XXXX XXXX XXXX decided to contact the CFPB regarding an issue with a collection name FINANCIAL ASSET MANAGEMENT SYSTEMS, on XX/XX/2020, I sent them a letter, attached is the previous letter I mail to them for your reference. On my letter, I stated that I disagree with the offset of my refund of taxes, wrote them that I have called the number provided on the letter they sent me, to the Requesting Agency and also called the IRS office in regards to this debt/bill. And neither the Requesting Agency nor IRS has an actual bill or something showing this supposedly outstanding debt that they are claiming I owe. I have asked for a copy of the bill that they claim I owe that would actually show this debt and they both have told me they have nothing to send to me showing an actual bill proving that I owe this debt. The reason is because I do not owe anything to any company nor health insurance. I really appreciate all your help and assistance with this matter.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am filing this complaint regarding a {$750.00} fee charged by Wells Fargo in connection with a convenience check associated with my credit card. The banks actions involve misinformation, refusal to provide transparency, and an unwillingness to address my concerns, which I believe constitute unfair and deceptive practices. 

Summary of Events : 1. On XX/XX/year>, my wife, XXXX XXXX, spoke with a Wells Fargo representative regarding the terms for using a convenience check. she was explicitly informed during the call that the check could be used as a credit card purchase without incurring any fees. Based on this assurance, we proceeded to use the check. 
2. Despite this information, I was subsequently charged a {$750.00} fee. 
3. Upon discovering the charge, I contacted the bank and requested a reversal of the fee. My request was denied, and the bank claimed there was no evidence that their representative provided the information I described. 
4. I also requested access to the recorded call from XX/XX/year>, to validate my claims. The bank refused, citing intellectual property concerns. 

Consumer Impact : I relied on the inaccurate information provided by the banks representative to make a financial decision. The {$750.00} fee would have been entirely avoidable had I been given correct information. Furthermore, the refusal to provide access to the recorded call obstructs my ability to substantiate my claims, leaving me with no recourse. 

Requested Resolution : 1. Reversal of the {$750.00} fee. 
2. A thorough review of the XX/XX/year> call, with written confirmation of its findings. 
3. Reassurance that the bank will implement better training for representatives to prevent future incidents of misinformation. 

I trust that the CFPB will review this matter and assist in ensuring that [ XXXX  XXXX ] adheres to fair business practices. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

LoanCare has not resolved an Escrow mis-calculation complaint that was submitted by mail on XX/XX/XXXX. The complaint was acknowledged by LoanCare on XX/XX/XXXX and followed up by a letter dated 35 days later on XX/XX/XXXX indicating that they had opened a research inquiry with the tax department and that they would be sending an update within 7 to 10 days. As of today ( XX/XX/XXXX ), we have not received the update that was promised by their letter to be given by the first of XX/XX/XXXX. 

As per the account information online at XXXX as of today XX/XX/XXXX, the escrow analysis still indicates a inflated monthly escrow amount of {$600.00}. This was calculated by the using the incorrect tax impound amounts supported by the documents that were sent to Loancare with the complaint. The notification of the error was originally emailed to Customer service in XX/XX/XXXX and later sent by letter on XX/XX/XXXX that was acknowledged on XX/XX/XXXX. Based on this erroneous escrow analysis, Loancare indicated that there was a {$2100.00} escrow shortage that calculated a new monthly escrow impound of {$600.00} ( up from the original amount of {$280.00}, a whopping {$320.00} increase! ) With the application of the correct tax impound, the shortage today ( since I have now made 2 mortgage payments with the impound amount calculated by using erroneous property tax information ) would be calculated at {$750.00}. Since LoanCare requires a minimum 2 month reserve, this translates to a new monthly escrow impound of {$330.00}. It appears LoanCare may be attempting to drag this resolution out, well past the RESPA 60 day requirement which is a violation of Section 6 of the Real Estate Settlement procedures Act, until I have made the XX/XX/XXXX payment with the erroneous impound amount. This could be an attempt to require me to pay the entire remaining shortage at that point of {$410.00} within 30 days because it would then not be required to be spread over 12 months as it would then be less than 1/6 of the yearly escrow projection. I hope that this is not the case, and has not been the intention of the company from the beginning. I am concerned because of the 100s of complaints that are readily available on line about LoanCare and their questionable loan servicing practices. 

This issue was originally brought to LoanCares attention by submission of the information through their online secure form email portal on XX/XX/XXXX shortly after the error was made in their escrow calculation they did on XX/XX/XXXX. This submission was never acknowledge and prompted the letter to be sent by mail on XX/XX/XXXX.
Product: Student loan

NetNel reported three late payments on my credit in regards to student loans. The loans originated in XXXX with a separate loan servicer ( XXXX XXXX XXXX XXXX XXXX ). The loans were transferred to NetNel at some point in XXXX. I never received information from NetNel notifying me of the transfer. I entered XXXX   school in XXXX and my loans went into automatic deferment. After requesting a summary or copy of contact from NetNel I was provided a single document. NetNel sent a letter XX/XX/XXXX with a repayment schedule. The letter was sent to XXXX XXXX XXXX, an address I am unfamiliar with and never used ( I can provide a list of both my and my family 's addresses since XXXX if it would be helpful ). I was previously under the assumption NetNel had tried to mail something to my parent 's address, the address on my Master Promissory Note and the address my previous loan services sent communications. NetNel explained to me over the phone that I had selected " paper delivery only '' so they did not try to contact me by any other method. I have not been provided, nor would I have ever requested, a document requesting " paper delivery only. '' NetNel never sent any letters stating that loan repayment was required at this time, given that these were federal Stafford loans and the CARES Act forbearance. When I explained that the address that they sent communication to was not accurate, at this time or ever, I was told it was my fault for not updating studentaid.gov. My studentaid.gov address would have been correct from the time they sent their only communication, to now. When I go to studentaid.gov, the only way I could have ever discovered NelNet was now my loan service provider, it shows no next payment date. Within two days of receiving notice of the credit report, I paid off the three loans in full. For the following reasons I believe the late payments should be removed from by credit report : ( 1 ) I never received that loan payments had come due ( these were federal loans and without a formal understanding of FFELP loans and a reading of the CARES Act I would not have been aware that payments were due at this period ), ( 2 ) NetNel, would they have tried to contact me, had a incorrect address that was likely entered by mistake when they assumed the loan, ( 3 ) Before the credit reporting there was never any attempt to contact me that there was a missed payment, at a correct or incorrect address. For the entirety of the loan my contact information information was kept up-to-date by myself in every system in which I was aware of.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint in reference to XXXX XXXX XXXX XXXX. I signed a month to month contract with XXXX XXXX XXXX on XX/XX/2021. I called XXXX XXXX  XXXX customer service department in XXXX of 2021 to cancel my services because I am out of work and I have no income coming in. I could not afford the payments anymore. I had spoken to numerous customer service representatives in the customer service department. My request was ignored and XXXX XXXX XXXX continued to bill me. XXXX XXXX  XXXX customer service kept pushing more services on me, when I told them my situation and I do not know what they did not understand. When XXXX XXXX XXXX shut me off, I do not recall the date ; they did not completely shut me off and continued to bill me. I have a bill of {$670.00}. This is unacceptable when I requested for my account to be closed. This is poor business practices and customer service. 
Now, XXXX XXXX XXXX sent my information to a collection agency by the name of Credence Resource Management LLC. They harass me with phone calls and letters. XXXX XXXX XXXX is trying to ruin my credit and they better remove it from my credit report. I really hope someone can intervene and help me out with this situation.
Product: Debt collection

I am writing this letter in response to my dispute with Portfolio Recovery Associates. I requested validity of a XXXX XXXX credit card debt and was sent a billing statement in the amount of {$580.00}. I do not owe this debt and the address associated with the statement does not belong to me. This account has been removed from XXXX and XXXX, and that this account be immediately removed from my XXXX  credit report as well.
Product: Credit reporting or other personal consumer reports

The consumer reporting agency Experian is in several violations of the FCRA and XXXX XXXX COMPLIANCE for not conducting a proper investigation and REMOVING an account on my consumer report furnished by the company XXXX XXXX I disputed over mail 4 times with no solution. The consumer reporting agency never furnished a notice of dispute within 30 days of the disputed account referenced which is a violation of FCRA 623 ( A ) that states it is a requirement for them to do so. I have included a current photo copy of the account they did not furnish a notice of dispute within 30 days, as well as no bank statements shown by the creditor XXXX XXXX that furnished over XXXX late transactions on a closed account. Experian needs to remove the following account from my credit report immediately or I will be in pursuit of litigation on behalf of these inaccuracies. It has been over 120 days since my first initial dispute which Ive included all my notices sent to them in the attachments below!