23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I opened a personal checking account with BBVA Compass under a promotion that earned me a bonus after my first direct deposit from my employer. After XX/XX/XXXX I moved my direct deposits to another bank. On XX/XX/XXXX I received an email that I could earn {$50.00} just for setting up and receiving a qualifying direct deposit to my account ( it specifically mentioned last 4 digits of my account ). It said that I need to set up and receive your qualifying direct deposit ( s ) by XX/XX/XXXX to qualify and once one or more electronic direct deposits from an my employer or a government agency totaling at least {$500.00} post to my checking account BBVA Compass will deposit {$50.00} to my checking account within 60 days. 
I had 2 direct deposits of more than {$1300.00} post to the account. First one posted on XX/XX/XXXX and second on XX/XX/XXXX. Both these were from my employer. Few days back I called them about bonus and I was told that I have met the condition and my bonus will post within the 60 days from XX/XX/XXXX. I was told if it does not post then I should call them to get it added manually. I called them today and now they are saying I am not eligible for bonus as the direct deposit I received is from the same employer as last year! This is the most weirdest thing I have heard. Now they want me to change employer in order to get {$50.00} bonus! I tried to reason but to no avail. I asked the representative to connect me to a supervisor but after putting me on hold for sometime I was told all supervisors are busy and there is no one available to talk to me. I was then told someone will call me in sometime but nobody called me.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. There are inquiries on my XXXX and Equifax credit report that are fraudulent and do not belong to me. I've already filed an FTC report. The inquiries are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : XXXX Personal Information : Previous Address ( es ) : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Collection/Charge Off : XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XX/XX/XXXX {$0.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXXXXXX XX/XX/XXXX {$340.00} Late Payment : Inquiries : XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX Account XXXX : XXXXXXXX XXXX XX/XX/2024 XXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Student loan

I have a {$160000.00} student loan with Navient and Sallie Mae since XXXX. Over several years, I have tried to lower my payments but they have always been calculated over {$500.00} a month rising to over {$800.00} a month based on my household income. ( See email dates XX/XX/XXXX. I was unemployed for several years and there was absolutely no way I could pay these amounts and was advised to either request a deferment or a forebearance rather than Navient offering or accepting a more reasonable payment amount of around {$250.00} a month. As I watched my student loans skyrocket, I decided to work for a non-profit/public service company in XXXX as a way to qualify for the Loan Forgiveness Program. 

Over the years, as I called every 9 months or so to ask for help but was pointed in the direction of extending my forbearance. ( 5-10 ) I was never advised about the Loan Forgiveness Program or offered a more reasonable monthly payment based on my family household income. It wasn't until XXXX when a representative advised me to file separate income taxes in order to qualify for a lower month payment bracket which by the way, has caused additional tax issues. Where I find myself now is settling on working in a low paying job although I took out my student loan to obtain an XXXX. My hope is that my student loans will be forgiven in 4-5 more years. 

More concerning now is that my non-profit I work for does not provide health benefits and with my husband retiring next year, we will be forced to find a healthcare program that may be extremely expensive or I must find another non-profit that offers health benefits. What I am also concerned about is that after all of this sacrificing, my non-profit/public service work may not qualify. When I began consolidating my loans in XXXX and looking at what jobs qualify for the Loan Forgiveness Program, I discovered that my employers career was not listed although I work with foster children.
Product: Payday loan

When I applied for this loan for XXXX, no one told me they would be charging me 299 % apr. They are charging me almost {$200.00} per month in interest. I did sign their agreement but I did not understand because they never informed me of any of these things. They just told me to sign the document. They also made me give them my banking username and password before they would give me the loan and told me it was ok for them to do this under the FDIC so they could verify my income. I never expected this type of burden. I was only trying to buy my children/grandchildren some XXXX presents. I am retired and on XXXX and there is no way in this world I can afford this type of ripoff. I feel like I have been taken advantage of because they knew my age and probably knew I did n't understand what was going on. After getting on the internet and reading the thousands of complaints about CashNet, USA I really wish I had done that before I got this payday loan.
Product: Credit card or prepaid card

Made purchase using XXXX XXXX  prepaid visa card to XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Californa XXXX. Control for sauna heater, the part was defective and never worked. Contact the XXXX   XXXX about problem and they gave me a return authorized number.I paid to ship the part back. XXXX XXXX never refunded my my and made many calls and leave messages no return call. So disputed the invoice XXXX and confirmed with tracking they receive the part back. Disputed the claim with XXXX XXXX CARD Incomm Inc XXXX. XXXX XXXX XXXX Georga XXXX Certified mail. After a few months INCOMM Inc that XXXX XXXX INVOICE TOTAL XXXX NON REFUNDABLE {$27.00}, {$51.00} 30 % RESTOCKING FEE {$110.00} TOTAL AMOUNT DUE XXXX XXXX mail me a the balance on the card in check in roughly {$3.00} left Closed the account and said I had to deal the vender myself.After back and forth with prepaid Card XXXX XXXX   XXXX XXXX XXXX still have no refund and XXXX XXXX   closed the case. Not even the amount that was stated in the paper of refund from XXXX XXXX, XXXX out of the money to return shipping on the part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been disputing XXXX XXXX XXXX XXXX since XXXX 2015 informing them that this is not my account. I 've disputed with all three credit bureaus and every time XXXX XXXX XXXX XXXX confirms that this account belongs to me. I 've asked Equifax, XXXX, and XXXX for method of verification but never received one. I then disputed it directly with XXXX XXXX XXXX XXXX and they still said it was mine. After many letters being sent, they sent me a letter informing me that they have NO RECORD of this account in their system and asked me for more information. Yet they 've confirmed this account belongs to me with the three bureaus but they sent me a letter stating they have no record of this account belonging to me. This is damaging my credit and doing me harm. I ca n't purchase a home or get a decent interest rate on my auto loan because this fraudulent account is on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a 30 day late showing on my credit report for  XXXX   XXXX  for Experian from  XXXX   XXXX   XXXX   XXXX . I contacted  XXXX  about this issue because i was never late on a payment. I 've had this account for 7 years and never paid late.  XXXX  advised me that they dont even report to Experian, and havent since  XXXX   XXXX  I contacted Experian and demanded that the late be removed Immediately. All they did was open a dispute for me which is counter productive and time consuming. It should be removed immediately because it is an error on Experian 's part.  XXXX  says that they do n't know how Experian got that data, because they do n't use them to report. I am in the process of doing a refi, and need this to be removed ASAP.
Product: Credit reporting or other personal consumer reports

Last XX/XX/2024, I went to make a vehicle loan with a dealer and to make a loan through a single bank, they ran my credit through XXXX different banks on the same day without authorization. 
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2024 XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2024 XXXX XXXX XXXX ( Bank ) XX/XX/2024 XXXX XXXX XXXX ( Bank ) XX/XX/2024 XXXX XXXX XXXX ( Finance ) XX/XX/2024 XXXX XXXX XXXX ( Finance ) XX/XX/2024 XXXX XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XX/XX/2024 XXXX  XXXX XXXX XX/XX/2024 XXXX
Product: Debt collection

I work for free - XXXX. CTi contacted this XXXX XXXX that I XXXX for with an Employment Verification FAX. Using a fake name. XXXX XXXX. The XXXX sent me the form and I have all the info on them. They could have tarnished my name, my daughter 's well being ( XXXX. ) Please tell me this is wrong?! 


Collection Technology Inc C T I XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX Contract Dispute Law Firm Solutions To Your Dispute Needs. Call To Learn About Your Options. 

XXXX Collection Technology Inc A privately held company in XXXX XXXX, CA. Is this your business? Claim This Profile More Details for Collection Technology Inc Categorized under Adjustment and Collection Services. Our records show it was established in 1960 and incorporated in California. Current estimates show this company has an annual revenue of XXXX and employs a staff of approximately XXXX. 

Company Contacts XXXX XXXX XXXX Chief Executive Officer
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed a inaccurate bankruptcy account reporting on my credit. I personally contacted the credit ( bankruptcy court ) to where this was being handled from ( main source creditor ) & they said they do not report to XXXX  experian XXXX  nor do they do to third parties. So I contacted & show written statements showing the credit bureaus ( XXXX  XXXX  experian ) where going against the law & they have not responded they basically said forget me I have been waiting for 50 days in contacting. So today I need the bankruptcy account & the accounts included in the bankruptcy reporting to be removed off my report indefinitely.
Product: Checking or savings account

I was a member of a gym ( XXXX XXXX in XXXX XXXX XXXX ) that I prepaid for an entire year in XX/XX/XXXX. Then, in XX/XX/XXXX, I rented a locker from the gym on a month-to-month rental agreement for the rate of {$35.00} per month. I voluntarily prepaid {$380.00} through their online system in order to not have to pay monthly. However, by XX/XX/XXXX, I realized that I could no longer be a member of the gym, due to logistics and scheduling issues. I requested that the gym cancel my membership and reimburse/refund the remainder of the locker fees ( {$310.00}, calculated as {$380.00} minus {$35.00} XXXX minus {$35.00} XXXX ). The gym ignored me for some amount of time, then stated by email that they considered the locker payment to somehow be a membership payment : " Those 2 payments in question are both considered paid-in-full memberships even though one was somehow applied to a locker. We can not issue refunds on paid-in-full memberships. '' Following this, the gym stated " The best way to handle this is for you to dispute the locker invoices for the months not used, plus I think there was an accidental charge today of {$70.00} while the girl was looking over your account, and I will not fight the dispute if it looks right. '' ( They were clearly just trying to keep the money and make it difficult for me to get it back. ) Subsequently, I filed a dispute with my bank, Ally Bank, stating the same and providing the documentation enclosed with this complaint. Inexplicably, Ally Bank refused to resolve the dispute in my favor, even though : ( 1 ) the gym stated that they wanted me to dispute it with my bank and that they would allow the dispute to rule in my favor ; ( 2 ) the gym 's continued possession of the {$310.00} is a breach of contract and a violation of contract law ( as it was a month-to-month agreement where I voluntarily prepaid for 12 months ) ; and ( 3 ) my bank has an obligation to address issues of fraud and, since the gym made a written admission as to the fraudulent categorization of the monies paid, this dispute involved fraud. Despite all of my best efforts, Ally Bank repeatedly and willfully misconstrued basic facts, duties and obligations, and the law. Even though I haven't had a locker with the gym since the end of XX/XX/XXXX ( having terminated my month-to-month rental agreement ), the gym has unlawfully kept {$310.00} of my money and Ally Bank has refused to act appropriately.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect DOB - XXXX Listed below are the Accounts that are being challenged XXXX - XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Debt collection

I have been receiving phone calls from a representative from Oxford Law group of XXXX XXXX XXXX XXXX, PA XXXX, starting on XXXX/XXXX/2015. In the first call by XXXX XXXX, I was told " I am a legal assistant from the attorneys office trying to reach XXXX ( my name ), and have been asked to give you information. If you can call me we can discuss this so obviously I do not have to call you anywhere else '', no identification that this was a debt collector trying to collect a debt was made. In the next voicemail, ( also no identification that this was from a debt collector ) on XXXX/XXXX/15 I was told that I need to return the phone call to the attorney, that he is waiting for your call ( this was conducted in a threating and hostile manner ). I then received a phone call on XXXX/XXXX/15, stating that it was a debt collector, at the end of the voicemail the agent stated " We will get her ''. I received several calls throughout the next few days and the next voicemail was XXXX/XXXX/2015. Stating that it was debt collector. At the end of the message the agent stated " we found out she 's a XXXX ''. The first written communication I have received regarding this debt was on XXXX/XXXX/2015, with their letter in the envelope dated XXXX XXXX, 2015. The letter that the office mailed me was postmarked XXXX/XXXX/2015. In the letter that they sent me they stated that they have not contacted an attorney to review my case, which was contradicted by the voicemails I have received from their office, which I have saved. I have sent them a letter requesting them not to contact me regarding this debt. This office is harassing me by the use of threats, misleading statements and violating my rights as a consumer under Federal Law and California XXXX Fair Debt Collections Act.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name XXXX XXXX XXXX XXXX 
Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX  Account number : XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX   XXXXXX/XX/XXXX CFPB Closed Accounts Dispute RE : TD Bank checking account : XXXX To Whom It May Concern : On Tuesday XX/XX/XXXX at approximately XXXX XXXX XXXX XXXX I was on the phone with TD Bank Customer Service Department at ( XXXX ) XXXX. During my conversation with the Customer Service Representative ( CSR ), I was never told that my account was in danger of being closed. She told me the opposite, and we even spoke about future plans for the account. I even was asked to enroll in TD Banks account voice recognition program, and I did this with the CSR.

My account had gone negative in XX/XX/XXXX. While on the phone with the CSR, I transferred {$250.00}. form my minor daughters ( XXXX XXXX ) linked TD Bank account ( XXXX ) into my TD Bank account ( XXXX ). The CSR waived {$100.00}. in fees, thus, bringing the account to a positive balance of {$9.00}. I again was, NEVER informing my account was going to be closed, and the CSR, told me that the account was fine, and that the issues were resolved ( listen to your tapes ).

Much to my surprise, TD Bank closed my account the next day, XXXX XXXX XXXX, for being a delinquent account. I have been told a lot of different stories from various TD Banks CSR, but they all had the same response that there was nothing they could do, and the account will remain closed.

Basically, what TD Bank did ( as I have been told ) is that the CSR had no authority to restore the account, even though she told me the account was fine and would NOT be closed. Since the account was coded for collection when the computer run / updates were done at night on XX/XX/XXXX, the account was closed, even though I paid it in full at XXXX XXXX on XX/XX/XXXX. XX/XX/XXXX balance - {$340.00} TD bank credit from CSR ( XX/XX/XXXX ) {$100.00} Transfer from XXXX into XXXX {$250.00} Actual balance ( XX/XX/XXXX) + {$9.00} ( Therefore account should NEVER have been closed ) My complaint is that TD Bank illegally / should not have closed my account since it was paid to a positive balance on XX/XX/XXXX, prior to the cancelation date of XX/XX/XXXX. It also took several months and phone calls for TD Bank to finally return the {$9.00} credit that was in my account. Unless I contacted TD Bank, they were going to keep the {$9.00}. It was finally returned in XX/XX/XXXX, after I sent a complaint to TD Bank.

The other part of my complaint is that TD Bank, knowingly processed checks and payment, to only then rescinded them and charge me additional overdraft fees. Abuse of fees.

Please review and contact me with any questions.

Sincerely, XXXX XXXX  ( XXXX ) XXXX CC : New Jersey Department of Banking