23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX I see Alliance One reporting on my credit report so I call to see what this is for. At that time I explained that I had filed this undee my chapter XXXX Bank Ruptcy due to a XXXX party making arrangements for payment. I gave my current address and phone # and ezplained that I needed to talk with my Bank Ruptcy attorney before doing anything. Instead of contacting me for payment or to make payment arrangements they proceeded to garmish me with out notification or being served even though they had MY CORRECT ADDRESS OF XXXX XXXX XXXX XXXX & phone # of XXXX XXXX XXXX for the past 8 years but swnt to an old address in XXXX instead. Then again in XXXX XXXXsame issue they requeated a garnishment without notification in which adding more fees & interest. Made pymt arrangements of XXXX to be paid if I could every week feom spouse pay check but forsure mine every 2 weeks. I made XXXX pymt XXXX and XXXX. I had called swveral time to make a pymt but they required the address of my bank whixh I did n't have so was told to call back had offered to do a debit payment for a lesser amount till i could get funds deposited and again they told me to call back when I had the full amount but instead they submit anothwr garnishment without notification no call no letter by mail requestong a payment EVER. So now more fees etc to pay. I let it go till I see that my payroll dept would continue ti pay the wrg amt subited in XX/XX/XXXX due to payments made not being ctedited to acct before subiting a XXXX garnishment. I fileed a precious complaint in which was able to have the company stopped the garnishment being the balance should have been paid in fulll if the attorney fees etc had not been addes again. If there was a balance oweing they should have contactef me be phone email or mail they had all this information BUT THEY HAVE CHOSEN TO FILE GARNISHMENT AFTER GARNISHMENT in which I FEEL IS A SHADY WAY TO ADD FEES TO PUT MONEY IN THEIR POCET. INSTEAD OF appling pymts made ro the court fine they have taken an applied it to thwir feesnand services as showen in attached info. I have been requesting since the XXXX call I made to this company a beginning balance showing payments made ro tje original creditor which is part of ALLIANCE ONE but to luck I have never received any of this information to this day just the bal they placed ony credit report. This companys collections pratice s hi puld be investigated to how they can just file garnishment after garnishment without notification. This causes the balance to continue going up and nevwr be paid off. So a remaining bal of XXXX is what they show and added MORE INTEREST FEES ATTY FEES AND XOURT COST JUST TO GWT MORE MONEY. Im currently on short term XXXX and they have garnished my check in rhe amount of XXXX. I fewl this ahould be it which is still more rhan what I owe. I KNOW I HAD FINE BUT TRULY THOUGHT WAS INCLUDED WITH MY BANK RUPTCY. IF THEY WOULD HAVE JUST CONTACTED INSTEAD OF GARNISHING ME WITHOUT NOTIFICATION I COULD HAVE TAKEN XXXX OF IT QITH A PYMT PLAN AND IT WOULD HAVE BEEN ALOT LESS THAN IT IS.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX ] XXXX MS XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Dispute of Misinformation on Credit Report Dear Consumer Financial Protection Bureau, I am writing to formally dispute the misinformation reported on my credit file. My name is XXXX I have recently reviewed my credit report from TransUnion and other credit reporting agencies and identified several inaccuracies that I believe are negatively affecting my credit score and overall financial standing. 

The following are details of the accounts I am disputing : TRANSUNION XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via TRANSUNION XXXX IN XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX via TRANSUNION XXXX XXXX via TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current Address XXXX XXXX XXXX XXXX. XXXX XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, XXXX XXXX Date Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Reported XX/XX/XXXX Other Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Date Reported XX/XX/XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX Phone Number ( XXXX ) XXXX I request that the Consumer Financial Protection Bureau investigate these inaccuracies and assist me in rectifying my credit report. Under the Fair Credit Reporting Act, I am entitled to accurate information on my credit report, and I appreciate your prompt attention to this matter.

Please inform me of the outcome of your investigation, and if corrections are made, please send me an updated copy of my credit report.

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2022 I initiated an {$71000.00} online transfer from my Marcus Bank by Goldman Sachs online savings account to my XXXX XXXX  checking account. 
Marcus Bank Acct : XXXX. Social Security # : XXXX. 
I have called three times over the past week and the bank refuses to unlock my account and send me my money. The bank has refused to provide me with any explanation for refusal to send money. 
XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX BANK wrongly accused me to obtained XXXX visa credit card. when I dispute with XXXX XXXX XXXX BANK failed to provide any proof and evidence so XXXX XXXX XXXX BANK and their Law firm XXXX XXXX XXXX XXXX XXXX send apology to me. Please see Exhibit " A ''. 
XXXX XXXX XXXX have violated Federal laws, Fair Credit Reporting Act, 15 U.S.C. 1681 Section 609 ( a ) ( 1 ) ( A ) Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA. Consumer protection afforded by the FCRA FCRA Section 605 ( c ) Running of the reporting period {$1000.00} per event.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the account that i have included a screenshot inside this complaint on dates of XX/XX/year> and XX/XX/year>. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical. Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed these items in XX/XX/2022, XX/XX/2022, but the Bureaus did not remove them or properly validate. 
XXXX  Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

LexisNexis may have violated specific privacy laws and regulations by sharing your personal information without your consent. Here are some relevant laws that may apply : 1. Fair Credit Reporting Act ( FCRA ) : The FCRA regulates how consumer reporting agencies handle personal data. If LexisNexis failed to ensure the accuracy of your information or shared it without permissible purpose, it could be in violation. 
Section 604 ( a ) : Specifies the limited purposes for which consumer reports may be shared, requiring explicit consent in most cases. 
XXXX. XXXX XXXX ( XXXX ) : The XXXX requires financial institutions and entities handling sensitive data to protect consumer information and provide notices about information-sharing practices. 
Privacy Rule ( 16 CFR Part 313 ) : Mandates disclosure and consent requirements for sharing personal data. 
XXXX. State Privacy Laws : Depending on your state, LexisNexis may have violated laws like the California Consumer Privacy Act ( CCPA ) or Arizonas Consumer Fraud Act if you reside in these states. 
CCPA ( California ) : Gives consumers the right to know what information is collected, opt out of its sale, and request deletion.

4. Unauthorized Use and Consent : Tort Law ( Invasion of Privacy ) : Publishing false or private information without consent can constitute an invasion of privacy, including false light or public disclosure of private facts.
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurred without my knowledge, approval
Product: Credit card

I purchased a flight and reserved a hotel using my Chase Sapphire Reserve credit card. Due to a bodily injury, I had to cancel the trip, which should be covered by the card 's travel insurance. However, when I tried to claim a refund, I encountered a frustrating situation : The Chase benefit department declined my claim because I lacked a " flight cancellation '' email. 
I booked through the Chase travel portal, but they couldn't provide the cancellation email. 
Chase Travel verbally confirmed to the benefit department that my flight was canceled and non-refundable. 
Despite this, the benefit department still denied my claim due to the missing email. 

This created a circular argument, with neither party taking responsibility, even though all transactions were made through Chase ( credit card and travel portal ). I've called both parties multiple times, but they couldn't resolve the issue. One insisted on the cancellation email, while the other claimed they couldn't provide it. 
The travel insurance guarantee offered by the Chase credit card now seems questionable, as I'm unable to make a successful claim despite meeting the coverage criteria. 

Specific timeline and details : XX/XX/XXXX, booked the flight through chase travel portal ( trip id XXXX ) XX/XX/XXXX, called chase travel to cancel the flight ( the history can be seen by the company ) XX/XX/XXXX, file a claim to Chase benefit ( claim number XXXX ) and provided all the documentation excepted the flight cancellation email. I'd been calling Chase travel and Chase benefit to resolve this issue ( at least 5 times ), they kept telling me that they " made a note '' to my case but nothing had happened to my case. 
XX/XX/XXXX, called the flight company ( XXXX ) to ask for a cancellation email, however they said that my flight was booked through Chase travel portal, so Chase travel will be responsible to send out the cancellation email. 
XX/XX/XXXX, called Chase travel again, this agent ( XXXX, id XXXX ) verbally confirmed to Chase benefit that my flight was cancelled and non-refunadeble. 
XX/XX/XXXX, called Chase benefit, and they confirmed that they can see the note on my claim case, saying that Chase travel had confirmed my flight was canceled in the " note '' section. 
XX/XX/XXXX, got claim denial email from Chase benefit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my score up XXXX, XXXX XXXX, XXXX and XXXX XXXX was XXXX and XXXX and i checked every single day no score changed for months and in one day drops 890 points in a single day and theres nothing to cause such a drop and my name is XXXX XXXX XXXX theres a name listed XXXX XXXX XXXX and XXXX XXXX address Ive never lived there
Product: Credit card or prepaid card

ALLY Mastercard is sending me offers to sign up for a credit card about every XXXX weeks for about XXXXyear. Why are they hounding/harassing me with these offers every XXXX weeks for about a year. WHO is giving ALLY my address? With identity theft, I do not want or ask ALLY for a sending me these constant offers every XXXX weeks. I want it STOPPED.
Product: Mortgage

I bought a house XX/XX/XXXX using BBVA compass for the mortgage. Since that time I have been utterly amazed at how difficult they make it to make additional principle payments. I had my XXXX mortgage through XXXX and it was as easy as you would expect, I was able to adjust my monthly auto-pay to whatever amount I want and make additional principle payments as I desired. BBVA has policies that only allow the auto payments to be the base payment/amount owed, thus limiting the amount of principle paid. When I tried to make a XXXX from my outside account, it showed up as " unapplied payment '' when I called to ask about it I was told it would switch to " principle payment '' after the next cycle, it did n't. Now I have talked with them and the only way to pay additional principle ( that is even mildly convenient ) is to cancel auto-pay and mail them checks. They told me that if I set up a checking account through them it would be easy to make payments. What they did n't tell me in that conversation was that setting up a checking account would come with it 's own headaches. So, just to simplify the issue, I think the practices/policies of BBVA compass for mortgages auto-pay are designed to dissuade costumers from making additional principle payments and I view this as an unethical policy.
Product: Credit reporting or other personal consumer reports

In My 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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. I looked at my Equifax credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. and according to 15 USC 1681s-2 they are suppose to 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 card

I paid off my credit card in full and called customer service with Bank of America ( XXXX XXXX credit card ) in order to ensure my account was closed as I had not received any further correspondence. When I called, the representative confirmed my credit card was {$0.00} balance and she ensured the credit card was closed. She then told me that I had a credit of {$390.00} and a check would be mailed to me due to overpaying. Last week, I received a bill from them that {$50.00} is due to Bank of America for interest charges. I called and spoke with customer service who put in a request to have the charges reversed as this bill was after my account had been closed. Today, I received notification from Bank of America that my request for the {$50.00} was denied. I do not understand why I confirmed by telephone with a representative that I would owe no more money, my balance actually shows a credit where I will receive a refund for {$390.00}, and my account is in fact closed. I worked really hard to payoff this debt and now they are demanding {$50.00} in interest even after the account showed no further balance or activity and was closed.
Product: Credit reporting or other personal consumer reports

Contacted Transunion via telephone and mailed via certified mail request that they update my personal information to reflect my legal and correct only name to " XXXX XXXX XXXX ''. They have my legal name listed as aka - also known as - while an unknown name, " XXXX XXXX '' remains. 

Transunion has placed my credit file into jeopardy and available to fraudsters by not maintaining accurate personal information for me. 

Transunion has no legal proof that my name is " XXXX XXXX ''. I furnished them with copies of my driver 's license, social security card and utility bill verifying my correct legal name is " XXXX XXXX XXXX ''.
Product: Credit reporting or other personal consumer reports

Good afternoon! I made 2 payments of {$400.00} to this card in the month of XXXX and it does not appear on the credit report. The amount owed does not match the current amount.
Product: Mortgage

I now have a temporary hardship forebearance plan agreement. 
Due amount by XX/XX/XXXX, is {$5900.00}. 
My case worker is XXXX XXXX. 
Yet, today a get a letter that shows assessed expenses of {$6000.00}. 
And at the end of letter it has an attorney and states attorney start foreclosure proceedings. 
And before remitting payment I have to call that attorney? 
I called in the past and I'm not dealing with him. 
The case manager in her letter never mentioned this from letter dated XX/XX/2020. 
I'm unemployed. 
And my health is not well. 
Why the double switch? 
I'm at a loss and about to enter a lawsuit against this company about the attorney and foreclosure.
Product: Credit card

I received an email stating a payment would be taken out of my account on the XXXX. My due date is the XXXX. I have XXXX accounts. the second account I also received an email stating that a payment would be taken out on the XXXX when my due date is the XXXX. I found out that they have been taking payments out early for months. The company seems to have little regard for the rights of its customers by taking early payments.
Product: Debt collection

I have called the creditor who owns a false medical debt to inquire about the collection. The original creditor pull the amount " owed '' as it was not valid. I have called the new creditor who owns this amount American Capital Contact XXXX XXXX XXXX XXXX XXXX XXXX, CAXXXX ( XXXX ) XXXX To make sure it's removed and they keep saying its been referred to legal and I do not get contacted. Today I called spoke with XXXX at the company and she repeated the same thing " No one is in and I'll get a call back ''. When I asked to complain I was told to write in or fax. The write in/fax option is designed to make it harder for consumers to get heard. XXXX was condescending and had no interest in helping and this violates my consumer rights because I am being prevented from speaking to anyone. This firm needs to be investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I was informed that I had fraudulent accounts opened in my name by my credit monitoring service. I went onto each of the three credit reporting services and entered a " Fraud Alert '' on each. While on EXPERIAN website, I also noticed that they have someone elses email address on file under my social security number! That was very alarming! 

I tried contacting every phone number on their website, from XXXX searches, and ever using my credit monitoring service to help - absolutely no success as you just can not get a real human being on the telephone no matter what question you are asking. Every phone number leads you to a voicemail system that only asks a couple questions and EVERY SINGLE QUESTION leads to disconnecting your call at the end. No option for an operator, even tried selecting other numbers or using " operator '' or " customer service '' voice prompts - but nothing! 

Then, to top it all off, there is an option to " Upload '' documents to Experian for their review. Great, i thought! Went through that process only to be told that my " session has expired - try again ''. Tried at least a dozen times, no success. 

It is amazing that in this day and age, you can't get a person on the phone to ask a question or get directions. Not even an email address to send a question to. 

I need help and just can not get it from Experian and am worried that someone has stolen my identify and will remove any fraud alerts I have setup on my account because they now have full access to a fake email address that only Experian can change. 

PLEASE HELP!!!!
Product: Checking or savings account

My bank is California Bank & Trust. My branch is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX. I cashed a check for XXXX in person at that branch. From talking to the customer service, the teller is supposed to call the bank where the check I cashed is from and see if there are funds available to cash. If the other bank does not verify funds for the check or is unable to provide verbal information the bank teller is supposed to tell me either of these things happened. The bank teller did not verify if the check had funds at all. They cashed the check without doing any due diligence and their reasoning is that it is fully my responsibility to know if a check has funds, not theirs. The check I cashed out got bounced back and nobody from my bank has notified me ; I only found out by looking at my online transaction records. The money was taken from my account and a service fee was added for {$12.00} for a returned check. 

I called customer service. It was after the hours my branch was closed. They said they have an adjudication process called XXXX. Its a complaint I file to the branch. The customer service representative sent it to my branch on my behalf and they will receive it when they open tomorrow. The branch manager at that exact location only is responsible for adjudicating it. I asked the customer service representative if there is any adjudication process in the company that does not involve a bank branch adjudicating itself. I could not get an answer because the customer service representative does not know despite working in customer service. I later called the bank branch and they can only get a supervisor to speak to me the next business day. They can not get someone who does not work in the branch to adjudicate the situation that happened at the branch. The customer service representative admitted that if the bank adjudicated against itself it will get in trouble because it could possibly have cashed a bad check without telling me about it. MY QUESTION IS : how can I get an adjudication process that does not involve a bank branch judging itself? This means the bank may not be impartial when judging itself because they will get in trouble with district or corporate management if they rule against themselves.