23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

BELMONT FINANCE LLC XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Product: Debt collection

While checking my credit report on XX/XX/XXXX, I discovered that there is a collection on my report from a company named Convergent Outsourcing for {$950.00}. I called them and they mentioned it was from XXXX. I was surprised because I'm a client of XXXX and have been since XXXX and I pay my monthly bill and had no past due balances, and they were not calling me to collect any debt. So, I called XXXX. After talking to 5 or 6 different people from XXXX, they determine that the collection balance was related to the fact that I transferred my account when I moved using the mobile app and according to them, that created a new account in their system and, once I moved, I never knew they were charging me anything. Their explanation makes no sense to me. Why would XXXX have an application to transfer services when you move and then penalize you by opening a new account and left hanging the old account to create charges for equipment not returned, and a snowball of charges and penalties unknown to me? On top of that, they had me and have me as a client!! XXXX could have called me and send me letters to my current account and address ( which is what they should have done by consolidating the 2 accounts when I moved like I have done on other occasions in previous moves ). To add insult to injury they sent the old address account to collections seriously impacting my credit not only for an incorrect amount but without my knowledge and without giving me a chance to dispute it. They have violated so many consumer protocols!!! And when you call either Convergent or XXXX, they give you tons of excuses but don't solve the problem they created. On my first dispute, they reduced the {$950.00} alleged debt to {$370.00} without any explanation and when I called to ask about the new balance NO ONE could explain why. At this juncture, I want the collection to be erased from my credit. If these companies can be penalized under the FCRA or any other law, I want them to be fined as well. It is very unfair to ruin a current customer 's credit by reporting a collection that they created and that is not only inaccurate it is simply wrong and non-existent for an equipment that they know I have and use within the new account that I've had with them for XXXX years before they reported the collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has the following information on my credit report and it is not correct : Shows a collection accounts from : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX. This does not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX This account was never late. 

The Equitable Finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX This account was never late Shows an inquiry from : XXXXXXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this.
Product: Checking or savings account

To Whom It May Concern : My name is Mr. XXXX XXXX XXXX, I am a United States Veteran and Senior Citizen writing you concerning a matter that happened in XX/XX/2018 regarding my payroll account. I worked for XXXX XXXX during the month of XXXX I received two direct deposits to my XXXX XXXX card. One direct deposit was for XXXX and the balance was XXXX that was on XX/XX/2018. Then on XX/XX/2018 a direct deposit was made to my payroll card for XXXX the balance was XXXX. I submitted a police report for the incident that took place on XX/XX/2018 and I am still waiting for a claim form to be sent to me for the XX/XX/2018 incident as well. I also ; reported that my wallet had been stolen to the XXXX XXXX located in XXXX, IL thats the office I work out of from time to time. I also ; reported my debit card stolen to XXXX XXXX. 
On XX/XX/2018 I filed a police report concerning my payroll card and wallet being stolen, which I have a copy of. I also ; spoked with one of your representatives concerning the account ending in XXXX and debit card ending in XXXX, which the XXXX was taken out of an ATM and a withdrawal fee was applied. I asked specifically, why when the card was reported stolen was it not immediately cancelled? The response that I was given was that there were transactions still being made so, therefore the card remained open. If a debit card has been reported stolen by the owner it should be immediately cancelled! The second payroll card which ended in XXXX and account number ending in XXXX had a deposit made to it for XXXX and a balance of XXXX on XX/XX/2018 this card was never in my possession. Now, tell me how can there be two different payroll cards with two different account numbers which has two different pin numbers attached to them and someone is still able to extract money from each account! I have proof of everything that is mentioned in this letter. On the payroll card ending in XXXX there were two transactions made at XXXX  gas station, one for XXXX and another transaction for XXXX on the same day XX/XX/2018. I didnt purchase any gas because I dont own a vehicle. Then Im sent a letter stating that my claim has been closed. By all means this situation is far from over, I have alerted the Illinois State Attorney General 's office and the XXXX. I will also ; be getting an attorney and involving the State of Illinois Veterans Administration. 
I will advise that this case be revisited and reopened, there will be documentation included with this initial letter of notification. In closing if there are any further questions please fill free to contact me @ XXXX. 

Sincerely, Mr. XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out my entire credit dispute to Experian. But I only have proof of XXXX. In XX/XX/2021 I mailed several documents to the certified. So I received a postcard saying " They were unable to honor my recent request because I did not provide sufficient information so that my identity could be verified. '' So I called the a week later and was asked the last 4 digits of my social, name, DOB, and my address and my account was able to be verified. The same way I sent letters to XXXX and XXXX and they deleted somethings in question with the same information provided. It seems like Experian is being bias and just trying to make this process hard and stressful.
Product: Student loan

On XXXX XX/XX/2020, I was granted a hardship forbearance from XXXX XXXX XXXX/Citizens Bank student loan payments for a two-month increment. I spoke on the phone with a representative who confirmed I was eligible for a two-month hardship deferment. The representative assisted me and filled out an application through their internal system that was subsequently approved. 
I received letters in the mail confirming that I was approved, which I have attached to this form. The letters are dated XXXX XX/XX/2020. I received a call on XXXX XX/XX/2020 from Citizens Bank Collections, informing me that my loans were in collections ( I am not 100 % sure of the relationship between Citizens and XXXX XXXX, but my understand is that XXXX administers the loan payments on Citizens behalf ). Citizens was not aware of my hardship forbearance and transferred my call to XXXX XXXX. 
XXXX XXXX informed me that my hardship forbearance had been incorrectly approved. They informed me a new denial letter was sent in the mail on XXXX XX/XX/2020, and I should receive it soon. XXXX informed me they had not sent any emails, but had attempted to contact me by phone only 3 times. XXXX XXXX informed me that I did nothing incorrect, and that it was an error on their end that resulted in my hardship being approved. I asked if they could honor it, since I have documentation stating I was eligible and granted the hardship forbearance, and they informed me that the decision was made by Citizens bank, and they could not approve it. Citizens banks logo is on the letter that affirms my complaint hardship forbearance was approved. 

The XXXX XXXX supervisor I spoke with on the phone informed me that he would be filing an internal complaint based due to how this situation was handled on their end.
Product: Prepaid card

On XXXX XXXX 2016 I made a purchase from lowes via there website.There was an issue with that purchase that led me to file a dipute. XXXX corporate agreed to that dispute and authorized the release of those funds back to me.However my debit card company is holding those funds and will not release back to me.
Product: Credit card or prepaid card

I receive a letter from Midland Credit Management in regards to a XXXX 's XXXX XXXX  account that I did not open. The letter dated XX/XX/XXXX stated that I owed {$1200.00} that had not been paid. I have never in all of my XXXX + years, shopped at XXXX XXXX XXXX. This is the SECOND time that I have had to DISPUTE charges from XXXX XXXX and XXXX XXXX XXXX. The last time was just in XXXX I filed a police report then too. When I call ( MCM ) to inquire about the debt, they always ask for the last 4 digits of my social security number and I don't even feel comfortable giving it to them, considering my history with them. I did reluctantly provide the information to Midland Credit Management and they finally indicated that the date of birth of the person that opened the account was in XXXX, XXXX. That is not my date of birth. The social security number, and address all match, but I did not open this account. I am retired and on a limited income and do not need this fraud to continue. I have spent my entire life paying my bills on time and I have excellent credit. I have worked hard with little income, to be a responsible bill-paying citizen. I do not, nor have I ever, shopped at XXXX XXXX XXXX. I am filing a police report and I have also filed an Identity theft report with the FTC.
Product: Debt collection

I called on XX/XX/2020 at XXXX CST to negotiate my payment terms. I agreed to pay only if the account was completely removed from my credit report. The call center representative then said I can go online and request that the account be deleted after I finish paying it, so I gave them my card information and scheduled two payments of {$290.00} for XX/XX/2020 and XX/XX/2020 via phone. I go and look at their website ( https : //www.thecmigroup.com/ ) and there is not an option to request that they delete a collection from the credit report like the call center rep stated. So then I cancel the debit card, so the other payment will not be processed. I then called the CMI Group on XX/XX/2020 at XXXX CST asking for correspondence saying that the debt will be removed in turn for the last payment, then the call center rep stated that it is their companies policy to not delete accounts from credit reports after they has been paid. I agreed to pay the balance on the premise of the account being deleted from my credit report, the first call center rep that I spoke to on XX/XX/2020 lied and deceived me into paying the account by saying that I can request that the collection be deleted on their website which is false because ( 1. ) its not on their website like he said and ( 2. ) the CMI Group 's policy states that they do not delete paid accounts from credit reports according to the call center rep I spoke to on XX/XX/2020. CMI Group is an unethical organization that lies and tells debt consumers what they want to hear in order to collect debt. This company does not need to be in business, with their egregious unfair practices and tactics. Also, during this whole time, I have never received any written communication from the CMI group about my debt even after I made the initial {$290.00} payment, I do not even know my account number with the CMI Group.
Product: Student loan

I see multiple 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding inaccurate late payment entries on my credit report. After thoroughly reviewing my credit file, I discovered these erroneous late payments listed despite my accounts being current. Over 30 days ago, I submitted correspondence disputing these entries and requesting validation, but regrettably, I have not received a response or satisfactory resolution. I am respectfully seeking your assistance to rectify this issue.
Product: Money transfer, virtual currency, or money service

On Friday, XX/XX/2020 I went to the Customer Service counter at Walmart, XXXX XXXX XXXX XXXX, XXXX, OR XXXX. I indicated that I wanted to send a MoneyGram to a fellow XXXX in XXXX. 

They asked for my ID, asked who I was sending the money to, how I knew this person ( we are fellow XXXX with a relationship between our XXXX ), what was the money to be used for ( food ). The customer service representative ( a misnomer ) insisted that this was a scam. 

I tried to explain my relationship with the recipient, though not understanding why this person was the judge and jury for whether or not I would be able to send the money. She said she would not send it but would get her manager. 

The manager arrived and asked the same set of questions. When I questioned why this was necessary she said that " federal laws require that I ask these questions, '' and that it was up to her whether a MoneyGram transfer could occur. 

When I had answered her questions with the above information and she was unwilling to help, I suggested that she was being a bit unreasonable. She then told me she would not send it. 

Embarrassingly, and very much out of character, I used a profanity and left. I went to another location and sent a XXXX XXXX transfer without a problem.
Product: Mortgage

I purchased a home XX/XX/XXXX with Guaranteed Rate. The previous owner is a 10 % XXXX vet and is exempt from paying property taxes. At the time of my closing ( late XX/XX/XXXX ) I did a simultaneous closing on my departing primary home. Due to the seller being exempt title was unable to prorate my taxes. Since I was receiving a large amount of money back from the sale of my home I was fine with them collecting the full amount of taxes on my new home since we pay taxes in XXXX and escrow analysis are typically done in the spring. When guaranteed rate called in XXXX they were told no taxes were due on my property. There wasnt enough time I am guessing for the recording to happen as tax bills go out XXXX XXXX XXXX. I wasnt aware they didnt pay my taxes until XXXX XXXX when I received a letter threatening to place a lien XXXX my home for unpaid taxes to XXXX and XXXX XXXX XXXX I DID elect for escrows and I verified on my closing disclosure they collected for both XXXX  and taxes. When I called guaranteed rate they investigated and simply sent me a letter. Stating they paid it for me as a forced place bill which caused a massive shortage in my escrow and charged me all the fees they billed including collections and late dues. They had the money to pay please ask for my XXXX. They owe me those fees I was charged. Ive asked multiple times for someone to look into it and no one responds. I refinanced within the year due to repetitive deceptive practices on their end from day XXXX.
Product: Vehicle loan or lease

American credit acceptance is refusing to help with any accommodation after XXXX XXXX sold me a car that head gasket is blown out of after having the vehicle for one month, car dealership never gave me any car facts or did not conduct a pre inspection of the vehicle during the purchase also
Product: Money transfer, virtual currency, or money service

I decided to sublet an apartment through a post I saw on  XXXX . The apartment was located at  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MA. The contact who I spoke with was  XXXX   XXXX  and his email was  XXXX  XXXX  XXXX . I viewed the lease and needed to send a deposit of {$3000.00} to hold the apartment and to take it off of the market. I was given an account and routing number to send the money to.     I went into the  Citizens Bank  branch located at  XXXX   XXXX   XXXX ,  XXXX , MA on  XXXX / XXXX /  XXXX   at approximately noon. I went in asking to speak with someone because I was wary of the situation. I wanted to see if sending a wire transfer was safe and what my rights were to receive this money back. I acknowledged that this was a  XXXX  posting. I spoke to the  manager   XXXX  and he had me sit with a junior worker. I gave the representative the account number and then the routing number. He stated that the routing number did n't match to that of the account. As I did not have another routing number to give he proceeded to look and select  one himself. He stat ed how it was odd that there were so many accounts in so many different states held by this holder. He assured me this was n't a fraud since he found a routing number that matched the account number. Meanwhile this citizen 's bank representative was unprofessional and made me feel uncomfortable throughout the whole process. I was alone and among other things he commented on how I am " all set '' due to the number of savings I have in my citizen 's bank account. He even said he knew  one  of my coworkers discussed alcohol and how he often gets drinks with my coworkers. As a young female I was n't comfortable with him serving me but went through with the transaction out of pressure.     After leaving the office I felt that something about the transaction was not right. I immediately had reason to believe that the  XXXX  posting was fraudulent. I calle d Citizens ban k after hours on  XXXX  to notify them and see what I could do to get this money back and to cancel the wire. They said since it was  XXXX  or after business hours that there was nothing that they could do but to call the next day. I called the wire department the next day and they opened a claim but told me that it was too late. Ever since then I have been told many different things by citizens bank about what should or should n't have been done. Not many people at the bank seem to know how to handle an incident like this and I was skirted around many times. After contacting the  manager  in the branch he said that I should have contacted him sooner rather than the citizens bank wire department hotline and he said he was working with the fraud department. I was told by him that I will not have an answer about whether there are or are n't funds to be returned until  XXXX .     The receiving bank for the wire was   XXXX   XXXX   XXXX   XXXX . I am currently waiting to see if there are funds in the account or whether the account was liquidated. If it was liquidated I have been told that I will receive nothing in return.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update the following inaccurate accounts in my report : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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 / Account Number XXXX. XXXXXXXX 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  15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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

I am writing to notify you of the violation of my rights under Federal law. If I have too I will take legal action against you as my right under federal law.
Product: Mortgage

I have a current mortgage with Nationstar Mortgage. They keep telling to to refinance with them, so I finally do. I do my app and I am declined 6 months later. They lost stuff that I sent them, they ask for documents and I send them. They say that they need more but can not tell me what they need. They finally sent me documentation that they denied the refinance and it looks like it was for credit reasons, but credit was not an issue from day 1. The have pulled credit on me so many times that now there is too many pulls.