23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

I asked them to delete me from their records. This is the email answer I received. Why can't they delete me in my entirety from their information. I haven't had anything to do with loans for over 3 years. I don't remember ever having anything with Speedy Cash. I have been a victim of ID theft and do not want my information out there. 
RE : Inbox x Speedy Cash Tue, XX/XX/XXXX, XXXX XXXX ( 11 days ago ) to me Dear XXXX XXXX XXXX, Thank you for contacting us. Unfortunately, we are unable to honor your request to delete your account information as we are legally required to keep your information on file. Note that you will only receive future communications from Speedy Cash that are legally mandated. 

Thank you for choosing Speedy Cash. 

Sincerely, Customer Service Phone : XXXX Fax : XXXX Email : XXXX From : Sent : XX/XX/2020 XXXXXXXX XXXX  XXXX To : XXXX Subject : Delete me from your system. Unscribe. 
XXXX XXXX XXXX This email was sent to XXXX This email was sent by Speedy Cash XXXX XXXX XXXX XXXX, KS XXXX XXXX Speedy Cash. All Rights Reserved. This email was delivered by Speedy Cash as a confirmation of your account activity. 

We respect your right to privacy - view our privacy policy Update Preferences | View in Browser This email message contains information from Speedy Cash and is confidential. The included information is intended only for the use of the individual or entity named above. If you are not the intended recipient, be aware that any disclosure, copying, distribution, or use of the contents of this message is prohibited. If you received this email in error, please notify us immediately by telephone at XXXX or email at XXXX.
Product: Credit card

Citibank has closed XXXX credit cards on me : XXXX are general purpose cards with corporate names : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. 
I will submit another complaint for the XXXX other XXXX XXXX XXXX. 
The XXXX letter to me claimed that they were closing the accounts because I made frequent payments from unknown sources. 
This statement was untrue. I made XXXX payments in cash, XXXX at XXXX XXXX and XXXX XXXX XXXX XXXX in an effort to keep my XXXX XXXX as high as possible for a mortgage on a house I purchased. At all other times I always paid my bill online through my bank account. 
I wrote to the company and explained this, they wrote back that they can close my accounts for any reason they choose at any time they choose. 
I feel that Citibank is discriminating against me for paying my bills! 
My XXXX XXXX is in the high XXXX 's and I always pay my bills. I can easily apply for new credit cards but this will harm my XXXX XXXX. 
Can you please help?
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 : XXXX XXXX XXXX XXXX XXXX Account XXXX Account name : XXXX Account XXXX Account name : XXXX XXXX XXXX Account name : XXXX  Account XXXX Account name : XXXX XXXX XXXX Account XXXX Account name : XXXX XXXX Account XXXX Account name : XXXX XXXX FA Account Number : XXXX Account name : U.S DEPARTMENT OF EDUCATION Account XXXX Account name : U.S DEPARTMENT OF EDUCATION Account XXXX Account name : XXXX XXXX XXXX Account XXXX has violated

my rights. Or list of inquiries 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: Debt collection

Portfolio Recovery services has been taking XXXX dollars from my bank account every month for a debt i have to XXXX. Everything was going fine, but XX/XX/2020, the amount went up from XXXX to XXXX. This is even reflected on my credit report. I spoke to portfolio recovery services on XX/XX/XXXX and they said it was a system glitch and it would fixed shortly, but it hasn't been fixed and it is negatively affecting my credit report by having an account in collections increase in balance owed. i do not feel they will resolve the problem if i contact them a second time that is why i am filing this complaint.
Product: Credit card

BMO Bank is refusing to open a dispute about charges totaling {$370.00} on my credit card ending in XXXX. BMO Bank has not sent any formal letter, with supporting documents, to explain its refusal to open the dispute. Accordingly, I have now closed this credit card account.
Product: Student loan

This is my third time complaining about FEDLOAN servicing. 

I know your company is closing down, but shouldn't you work until the last day to take care of our loans. 

I complained about issue with getting my refund request on XX/XX/XXXX. Received the response from your company " Advocacy Office '' after your thorough review. You stated that the request is on hold by the Department of Education and my closed loan with {$0.00} balance will be transferred to a new servicer. 

How come your agents ( customer service ) have no clue about the plan and always gave me inconsistent and inaccurate information when I called to check the status. 

One agent ( XXXX XXXX told me there is no refund request - and submitted a new request on XX/XX/XXXX. 
One agent told me on Monday XX/XX/XXXX that my loan won't be transferred because it is closed. 

I also emailed your Office of Consumer Advocacy on XX/XX/XXXX -- BUT no response. 

I also requested the account balance history which includes all transaction - including the last paid off transaction -- - BUT has not yet received it. ( The one that I received online on XX/XX/XXXX - did not include the last payment on XX/XX/XXXX. 

If my loan will be transferred to a different FSA - WHEN would it be and WHO would it be?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX. 

XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 


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

This is my XXXX endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, MI XXXX ; XXXX XXXX XXXX CT XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX ; XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/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 XX/XX/XXXX ; XXXX BANK XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 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 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: Debt collection

Credit Protection Association has sent a bill they " bought off XXXX '' for a debt from XX/XX/2017 I 've never had XXXX at the address listed and have n't lived there for over nine years. The account number listed is not only not mine, XXXX informed me it 's not anyone 's. Furthermore the " several attempts to contact me '' are two letters. One to notify me initially and the other inform me that my debt was being reported to the credit bureaus. Suspicious because the final notice is dated two weeks before the initial notification. CPA has reported " debt '' to the bureaus.
Product: Debt collection

I paid five medical bills with this company on XX/XX/XXXX. I spoke with XXXX. I paid over {$300.00} and was told that a deletion letter would be mailed my address. The representative confirmed to me that the medical collections will be removed from my credit reports after payment clears. Their calls are recorded, I hope there is a record of it. 

The letter I received was only a paid in full letter. I called back on theXXXX and spoke to another associate and she informed that a deletion was not possible and against company policy. 

I requested that a supervisor review the recorded phone call on the XXXX so they can confirm what was said. A deletion is what I was assured would happen after payment. 

This is a bait and switch. I don't know why they did this or if XXXX was not trained properly but none of that is my issue. I just want the agreement that we agreed to to be enforced. 

I don't understand why a business would operate like this.
Product: Bank account or service

My boyfriend and I have an account with US Bank for about 4 years. At first we were extremely satisfied and often told our friends and family how great our bank was. But in the last year or so, it has become increasingly noticeable how many fees we have been charged. After minimal research online, I found US Bank has a history of reordering transactions to maximize their own profits. Last month alone we accrued nearly 15 % in bank fees/charges when compared to our household income. And for this year we have been charged a total of {$2100.00}. In XXXX we decided to try a new bank that did n't have a reputation for immoral ( but apparently legal ) profiting strategies. We have yet to officially close out the account as we are still unsure about our new bank. Last month I wrote XXXX checks out of the US Bank account and transferred funds to cover what was overdrawn and also enough to cover XXXX of the checks and half of the other. But once again, the transactions were reordered, returned ( fee ), tried again, returned ( fee ), etc.. Until overdrawn ( fee ), returned, tried again, etc ... Now I have XXXX outstanding checks and an overdrawn account ( including extended overdraft fees ). I am shocked by US Banks behavior and feel taken advantage of.
Product: Debt collection

My significant other started receiving restricted phone calls on her phone. She picked one up on her lunch break. They told her who it was. Being that shes a collector she knows they have to call with a number that you can call back on the caller ID and can not restrict the phone calls. She advised the rep it was not me. And told the rep of this. The rep completely disregarded this was rude and kept asking if she was my wife and would not even speak of the situation and illegal tactics at hand. They called 4 times yesterday, 4 times today from this restricted number its harrassment as one time was only about a half hour apart. Its was XXXX and they called already 4 times. On top of the 4 restricted calls today they also called her from at least 1 unrestricted number as well which makes 5 calls before XXXX XXXXXXXX. They have also affected her one card she has through them in a retaliatory manner due to me missing one payment they advised it was due to her credit score decreasing when it actually  increased. We do have her phone records if needed as well.
Product: Mortgage

In XXXX of XXXX, our property suffered devastating water damage due to frozen pipes. Working in partnership with our insurance company, a mitigation contractor and his team spent weeks filling multiple dumpsters with nearly every interior piece of our 113-year-old beloved XXXX two-flat. 

When the insurance company issued the {$67000.00} check to reimburse our contractor for his work, I was startled to see that the check was made out to our mortgage company as well. Our contractor reassured us that most companies are able to turn around their endorsement in a day or two. I opened a claim with them, found out what information they needed, gathered it, and overnighted them the endorsed check. They told me it would take 8 to 10 business days. 

I waited. Once that time had elapsed, I followed up, and found that instead of getting my money to pay my lovely, hardworking contractor, I was getting tortured in the absolute deepest depth of greedy bureaucratic XXXX. 

To be clear, the work is done. They do not need to inspect any repairs ; it's mitigation work only. They have photos, they have invoices, they have the assessors report. They have everything they asked for. They continue to hold my money, presumably profiting off the interest, while taking no discernable action toward disbursing it back to me. 

Every day, I ask what has been done to address my claim and disburse these funds. Every day, I am told that the thing that I was told the day prior will perhaps now maybe be done today. Some days, they ask me to do something, like take a photo of a street sign. Some days, they say they might give me some of my money. Some days, they say they want to schedule an inspection. Do they schedule the inspection? No, somebody requests that somebody else request that it be scheduled, but nobody ever actually does it. 

This is, bar none, the worst experience I have ever had with any business of any sort. It is greedy. It is incompetent. It is unconscionable. 

Did you read XXXX XXXX XXXXXXXX? It's like that, but more absurd. It's frankly more tragic, because the small business owner who did tens and tens of thousands of dollars of backbreaking labor in order to help us save our home? He's the one waiting for something that nobody can assure me is coming.
Product: Mortgage

I advised on XX/XX/2016 to order my appraisal, on XX/XX/2016 I asked to lock my rate. I received my appraisal on XX/XX/XXXX in XXXX XXXX ( where appraisers are plenty and I 'm in a NON rural area ) and my rate was NOT locked until XXXX XXXX and yet it was n't disclosed to me ( Rate lock agreement ) until XX/XX/XXXX. 
Rates have gone up tremendously from XX/XX/XXXX to XX/XX/XXXX and now I am paying to buy the rate to were it was in XX/XX/XXXX ... ( at that time I was getting a credit, this was not a buy down aka : discount point ) I am closing late on my home ... I gave my last document for clear to close on XX/XX/XXXX and yet my loan is still in underwriting. Due to my appraisal being delayed it slowed down my process for my CD, which I also still do not have. All of these issues have affected my closing on time for this home.
Product: Mortgage

My mortgage payment is $ XXXX. Each month when I paid my mortgage. I paid an additional amount at that time on the principal. In addition to this, I made small principle payments on my mortgage during the month. When XXXX sold my mortgage to XXXX in XXXX. XXXX determined that those additional payments were partial payments. They collected that money into an account and transferred this money separately to XXXX.
Product: Credit card or prepaid card

My previous complaint XXXX the company provided a response and I was informed a credit would post in the amount of XXXX regarding XXXX XXXX. 

As of today, the credit has not posted and American Express stated on my most recent billing statement if I wish to payoff the balance pay less of the XXXX. I went back to review the statement and it has now been revised. 

Please assist with the reason for the delay and when I will see a credit post. 

It has now been a total of 6 months without resolution. 

Sincerely, XXXX
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to CRRG, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the CRRG Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ XXXX XXXX compliance which is done truthfully, correctly ( in a timely manner ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX NY XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, Equifax stated in writing that you verified that this item Acct XXXX XXXX XXXX XXXX is being reported correctly. Who verified this account? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and Section 611 ( 5 ) ( A ) of the FCRA. I have given copies of my sis card, state ID and the name and acct nbr several times with Equifax continuing to break the very federal law that was implemented by Congress for this very predatory business practice!
Product: Debt collection

Apparently, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, SC. XXXX, ( XXXX ) XXXX? purchased a discharged debt from a company which appeared on my credit a few months ago. The debt is scheduled to be removed in XXXX or XXXX. I telephoned and wrote to the above company to learn more about said debt and/or to remove it from my credit with no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Each Credit Reporting Agency c ontinues to show credit inquiries when we have not authorized the companies to pull our credit. I have disputed these inquiries from each agency and nothing has happened nor have they disclosed the accuracy of these inquiries.
Product: Payday loan, title loan, or personal loan

My husband and I applied for a loan to consolidate his student debt with SoFi. They ran his credit and told us we were declined. They sent a decline email within the 30 days they have to notify us. However, they did not tell me why we were declined. If I want to know why I was declined they say I have to call this number XXXX. 

It was my understanding of Regulation B that they have to disclose the reasons we are denied and they can disclose up to four reasons. 

In the email telling us we were denied, they also stated my husband credit report information per Regulation B and the Fact Act. However, I am concerned about the privacy of my husband 's credit report information. Is is safe to email it? They also did not tell my husband how many inquiries he had on his credit report which I believe is another violation. 

I request that you look into SoFi 's credit application process. I am a XXXX XXXX for a XXXX so I know to look for this stuff, but they are advertising to students especially and are blatantly violating Regulation B. Students do not always know to file a complaint about this. But they always should! I have attached the email for your review.
Product: Debt collection

I have been trying to contact Midland Credit Management regarding collection issues. I have notified Midland several times advising that they are not providing the correct amount of what they allege I owe from a loan that they received from XXXX. I had requested that Midland provide copies of the original loan, any vouchers I have signed and/or transactions as well as the interest changes to the account which they should have from the original loan. To date, Midland has failed to do so and they continue to report an inaccurate amount to the credit reporting bureaus. I have notified the credit reporting bureaus of the discrepancy but Midland continues to state that I owe the amount of {$7200.00} which is vigorously being contested and disputed. As a consumer, I have rights that are being violated by Midland and I will have to resort to seeking legal counsel in this regard since Midland has not agreed to nor have they provided any proof of their inaccurate reporting to the credit reporting agencies. 
Midland has a duty and obligation to provide the information I am requesting in order to provide accurate and correct reporting of the debt they claim I owe. If they continue to ignore my requests since I have reached out to them several times, I will have no recourse but to consult with legal counsel as I believe I am being discriminated against because Midland has placed my account in collections but have not provided accurate documentation of what the correct amount of the debt is.
Product: Debt collection

Account was opened fraudulent XX/XX/year> and I have no knowledge of applying for a {$500.00} loan nor have I received any money