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

I am filing a formal complaint against M & T Bank for freezing my joint bank account due to a debt collection action against my husband, despite the fact that I am the primary account holder and not responsible for the debt. Additionally, M & T Bank failed to provide me with any notice or documentation regarding this garnishment, which resulted in my mortgage payment and other utility bills being returned. 



Under Maryland law, specifically MD. Code, Commercial Law 15-602, joint bank accounts are subject to garnishment only to the extent of the debtor interest in the account. Since I am the primary owner of the account and my husband is only a joint holder, the bank should have either : 1. Notified me immediately upon the garnishment action, allowing me the opportunity to respond and assert my rights.

2. Rejected the garnishment or limited the freeze to only my husband portion of the account, as I am not legally responsible for his debt.

M & T Bank failure to provide proper notification and documentation violates my consumer rights and due process, as I was unaware of the garnishment until my bills were returned for insufficient funds. This has caused me significant financial hardship, including late fees and potential damage to my credit. 



I request the CFPB to investigate this matter and require M & T Bank to : Provide a full explanation of their actions and why they failed to notify me. Release any wrongfully garnished funds that belong to me. 

Ensure future compliance with Maryland garnishment laws to protect primary account holders. 



I have attached relevant documents, including account statements and returned payment notices, to support my claim. Please let me know how I can further assist in resolving this issue. 



Thank you for your time and attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXXwww.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX  XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX AT T ) XXXX Balance : {$1500.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquires were made without my consent. I called and sent letters to various companies and they told me that they were a third party company who made inquires on behalf of the original company. I asked them to prove validation, but no response.
Product: Credit card or prepaid card

My Citi bank XXXX XXXX  was suddenly canceled out of the blue on XX/XX/19. I had accrued a reward certificate worth {$630.00} which was scheduled to be disbursed on XX/XX/19. 
I had called on XX/XX/XXXX and spoke with a representative named XXXX who assured me that the certificate would be issued as planned and that there was nothing to worry about. 
I called again on XXXX and spoke with XXXX who said the same thing adding that there is a 7 day lag at times. 
Finally, I called today, XX/XX/XXXX and the people I spoke with said that I will not get the rewards since my account was canceled! 

I believe they canceled my account to not pay this reward certificate and I am very upset about this and want it fixed, even if they refuse to reinstate my account, withholding the rewards certificate is totally unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

In CFPB complaint XXXX TransUnion LLC stated Below includes the results of that investigation. XXXX XXXXDELETED dated on XX/XX/2022 In CFPB complaint XXXX TransUnion LLC stated Below includes the results of that investigation. XXXX XXXX I, XXXX XXXX XXXX XXXX, am demanding TransUnion LLC to DELETE XXXX XXXX from my Consumer Report immediately as it is inaccurate information. 

For any noncompliance, TransUnion LLC will be fined pursuant to 15 USC 1681n, 15 USC 1681o with Prejudice!
Product: Mortgage

This is a transfer of servicing issue. My mortgage was transferred from XXXX XXXX to RoundPoint Mortgage effective XX/XX/XXXX. First, the notification was sent by XXXX on XX/XX/XXXX which seems short notice. It is my understanding that under the New regs of CFPB, it is required that the consumer receive at least 30 days notice of transfer. Second, to date, I have NOT received ANY information from RoundPoint Mortgage regarding the transfer. There has been NO notification or documents stating where to send XX/XX/XXXX payments other the information in XXXX 's initially sent in their letter on XX/XX/XXXX. Again, it is my understanding, under the new CFPB regs the retaining servicer must notify the consumer with in 15 days of the transfer of corrected payment locations. Third, and most important is my escrow account. I have attached monthly statements from XXXX XXXX since the loan closing XX/XX/XXXX that indicate an initial escrow payment at closing of {$1400.00} however these funds were pulled out of escrow on XX/XX/XXXX then reinstated in the account on XX/XX/XXXX with no explanation why. Again however, my escrow balance does not reflect the funds in my escrow balance. My calculations show that my escrow balance should be currently, after my XX/XX/XXXX payment {$3000.00}. This calculation is based on the following : ( {$1400.00} Initial escrow+ {$400.00} XX/XX/XXXX+ {$400.00} XX/XX/XXXX+ {$400.00} XX/XX/XXXX+ {$400.00} XX/XX/XXXX ) However, when I called the new servicer ( RoundPoint Mortgage ) today XX/XX/XXXX, their customer service rep stated that my escrow balance only reflected {$680.00}. I asked if there were any payouts showing on the account and the customer service rep stated NO. This is scary because, though the balance on my monthly statements are incorrect from XXXX XXXX the last state at least showed a balance of {$1200.00}. 
I have filed a compliant with CFPB on this issue but you are only reviewing the initial servicer response however the current server has also paid my real estate taxes that has caused a shortage in my escrow now ( XX/XX/XXXX ) over {$900.00} and the current server is using my payment to pay their advancement. Please take of this ASAP. Do I need to have the VA involved in this issue of how a veteran is being treated through transfer of serving?
Product: Credit reporting 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 : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and 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. 


XXXX XXXX XXXX
Product: Debt collection

Subject : Illegal Credit Report Inquiry by [ MIDLAND CREDIT MGMT ] FCRA Violation Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ MIDLAND CREDIT MANAGEMENT ] for unlawfully accessing my credit report in violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681b ( f ). On [ XX/XX/year> ], [ Collection Agency Name ] performed a credit inquiry without my authorization or any permissible purpose as defined by the FCRA. 

Under 15 U.S.C. 1681b, companies are required to have a permissible purposesuch as a credit transaction initiated by the consumer, a court order, or a business transaction that requires access to my credit informationto lawfully pull my credit report. I have no such relationship or outstanding debt with [ Collection Agency Name ] that would justify this inquiry.

This unauthorized credit pull has negatively affected my credit score and caused undue stress.

As such, I am seeking the following : 1. Statutory Damages : Pursuant to 15 U.S.C. 1681n ( a ), I am requesting statutory damages in the amount of {$1000.00} for willful noncompliance with the FCRA.

2. Actual Damages : I have suffered harm, including emotional distress and potential damage to my credit standing, due to this unlawful inquiry. I reserve the right to seek actual damages in addition to statutory damages. 

Please investigate this violation of my consumer rights and take action against [ MIDLAND CREDIT MGMT ] to prevent future illegal activities. I also request that the unauthorized inquiry be removed from my credit report immediately. 

Thank you for your attention to this matter, and I look forward to your timely response. 


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

Can we please reopen Case : XXXX? 

Wells Fargo claimed they would work directly with my attorney. I gave them two weeks and they have done nothing. When I came back, the claim was closed. Can we reopen? Thank you so much and I apologize, I did not realize it would close without my response. 

I have reached out to XXXX XXXX and XXXX XXXX several times over the past years and have received ( 5 ) letters saying Wells Fargo will respond and nothing happens. 

Thanks again for all of your help. My families life and home is in play and we have been so stressed and eager to resolve this for two years now. 

Kind Regards, XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my recent request to remove fraudulent items from my credit report. 

As of my last communication, these items have not been addressed, and I am concerned about their continued impact on my credit standing. I kindly request your prompt attention to this matter and a thorough review of the fraudulent entries. 

I request the immediate removal of these inaccuracies to rectify my credit profile. Upon careful review, I have determined that these entries are inaccurate and unjustly impacting my credit score. I have previously attempted to address these discrepancies with the relevant creditors and credit reporting agencies, providing evidence to support my claims. However, despite my efforts, these fraudulent items persist on my credit report. This situation has caused undue stress and hardship, as it affects my ability to secure loans, obtain favorable interest rates, and achieve other financial goals. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

XX/XX/23 @ XXXX XXXX {$1900.00} was fraudulently taken/ stolen by a man impersonating an XXXX customer service agent. He said his name was XXXX XXXX and his extension was XXXX phone number is XXXX. I contacted XXXX they said that they didnt have an employee with that name or extension. I immediately contacted chime because I had two step verification and I should have gotten a text message from chime asking me if I authorized this and I didnt. Its like the money vanished except it didnt. I checked my email and I have an XXXX this email said my chime card had been added to a XXXX wallet the man who called me had a very distinct accent hes from the XXXX XXXX like XXXX or something. Chime took my complaint said that they would credit the money back into my account while pending investigation and then they sent an email saying that it was authorized and they arent crediting it back to me. I have disputed made disputes with chime bank XXXX XXXX Ive called a detective and made a police report and I have called the FBI cyber crimes department as well, I feel chime is the culprit and they are taking there customers money. Then they had an attorney email offering to help represent me and get my money back but I already XXXX and this is what chime does when people get there taxes they get have had some kind of call where they lost all there money and chime refers an attorney to them and once they win the attorney takes your money. This is XXXX. This isnt just happening to me its happening to a lot of people who have chime. Thats all the money I had in the world I was saving to get me and my son a nicer place to live and I have to get it back. 

This happened nearly 3 weeks ago and I have stayed on top of it every single day of the week. No one has helped me whatsoever. Chime said that they cant do anything and to contact the merchant??? I did try that he didnt answer my calls but I do have a recording on my phone of my childs father calling him baiting him to do the exact same thing to him. So why has nobody called this guy and pretended to have an XXXX dispute with their chime card??? If they had contacted him and actually investigated then I would have my money back but they havent they are just trying to get more. I wont stop until I get my money back. If they continue to prolong it then I will sue for pain and suffering. I am disgusted and I know he can be caught because hes greedy. So please look into this because I know he has stolen a lot more than the {$1900.00} from me. Ok hes doing this for a living,
Product: Credit reporting or other personal consumer reports

I am sending this complaint on my behalf. I looked at my credit record and it contains unauthorized item. They have not responded to the letters since I sent themover 30 days ago and they neglected to get back with me with sufficient validation. Please help me regarding this matter. I'm seeking litigation!!.
Product: Debt collection

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

A speedy cash loan account ( XXXX ) Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter, and await your reply.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a total of four different accounts in collections on my credit report from Americollect with the first dating back to XXXX of XXXX. I have never really bothered with my credit so I had no idea until I went to get a credit card and was denied or approved for only prepaid. I have disputed all 4 accounts from Americollect because I have always been covered with health insurance. 
XXXX XXXX, XXXX ( {$240.00} ) XXXX XXXX, XXXX ( {$560.00} ) XX/XX/XXXX ( {$2500.00} ) XXXX XXXX, XXXX ( {$2800.00} ) ALL ACCOUNTS WERE VERIFIED AS PAID IN FULL BY MY INSURANCE, Yet Americollect has yet to respond to my voicemails or emails ( XXXX XXXX, XXXX last attempt to get in contact with them ) OR remove these accounts from my report! It is unfair they ever reported these and they have only had negative impacts for myself.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022
Product: Debt collection

I filed for Chapter XXXX in XX/XX/2018 and the debt that was owed to XXXX XXXX was included in my case, XXXX # XXXX. XXXX XXXX did not send a representative to the Meeting of the Creditors and I was granted a XXXX in XX/XX/2018. Earlier today I received notification from XXXX XXXX that a collection was added to my credit report in the amount of {$560.00}.
Product: Debt collection

Dear XXXX Account XXXX XXXX, I am writing to formally dispute the account numbered XXXX, which has been attributed to my name fraudulently. I did not open this account, and I believe I am a victim of identity theft. I request immediate investigation and removal of this account from my record, as it was opened and used without my authorization. 

To support my claim, I am including the following documentation : Copy of Government-Issued ID - To verify my identity.

Proof of Address - Showing my address at the time this account was allegedly created.

Police Report - Reporting the identity theft incident, including reference to this XXXX account. 
Please cease any collection efforts on this account, as I am not responsible for any charges associated with it. Additionally, if this account has been reported to any credit bureau, I request that XXXX immediately correct the information with each bureau and remove any derogatory remarks related to this fraudulent account. 

I would appreciate it if you could provide a confirmation of your investigation and the resolution regarding this matter. Please send your response to my contact information below. 

Thank you for your attention to this urgent matter. I look forward to resolving this dispute swiftly.
Product: Debt collection

I received a collection letter from Receivables Performance Management LLC dated XX/XX/XXXX stating I owe XXXX XXXX XXXX {$2000.00} for account XXXX. There is {$0.00} in the field for collection fees. I recently found the paperwork from XXXX XXXX XXXX dated XX/XX/XXXX stating the amount due is {$1700.00} for account XXXX. When I contacted the company earlier today and asked about the difference in the amount owed the agent from RPM just kept reinstating the settlement offer. I wonder how can the settlement offer be fair if the principal amount owed is incorrect. I am reporting this because I am not sure if this is just a clerical error or if the company is trying to collect more than what is owed to XXXX XXXX XXXX for Receivable Performance Management LLC profit. I don't this company taking advantage of people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Why isn't XXXX following the law under the Fair Credit Reporting Act that I'm protected under as a consumer? When validating debts a letter that is stating it is valid from the credit bureaus is not a legally tangible instrument of validation of the debts. 

XXXX identifies itself as a consumer reporting agency UNDER 15 U.S.C. 1692g Validation of debts ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


I never received a letter of validation for the record at all and XXXX is responsible for the following damages : 1 ) Defamation of Character 2 ) Negligent Infliction of Emotional Distress 3 ) Violation of 15 U.S.C. 1666 Billing Error Violation of 15 U.S. Code 1681 - Congressional findings and statement of purpose 4 ) Violation 15 U.S.C. 1681 section 602 A States I have a right to privacy.

5 ) Violation 15 U.S.C. 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1692k states that I'm entitled to {$1000.00} per violation 6 ) violation of 15 U.S.C. 1692g Validation of debts DELETE THE FOLLOWING ACCOUNTS WITH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I contacted citi bank after XXXX XXXX for a forbearance on our VA loan to recover from the storm. There was a lot of misinformation and one Rep would say I was in a disaster area another would say no when we clearly were ( XXXX ) the eye of the storm passed right over my county. I was finally put in touch with a manager named XXXX XXXX that assured me I was approved for a five month forbearance and an automatic loan modification after, which he said would be done well before XX/XX/XXXX when my first payment is due. I emailed him XX/XX/XXXX and his email address was no longer working and I have a new case worker who was clueless on anything Id been promised and told me I can apply for the modification but theres no guarantee and it takes at least 30 days. He never mentioned the barage of delinquency and scary letters I was about to get while he is I assume requesting a loan modification. 
I started getting threatening letters that I could lose my house because of the delinquency. I should never have been delinquent if citi had kept their word. I have emails to support my claim of what I was told. I am very concerned about my good credit and my home. I read that VA loans after a disaster should receive a loan mod according to circular XXXX. I ask my new case worker about this and lots of other things via email but I just get form emails back that never answer my questions. Even when I asked a question about the modifucation paperwork I had to fill out he just ignored me. When I call they wont let me pay XXXX because theres a bigger balance due. When I try to pay online it locks out the payment option. I hope you can help me!