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

XXXX of XXXX and ongoing until XX/XX/XXXX TD Bank paid over to a merchant in XXXX installment payments of {$740.00} each. I informed them that I had never used the merchant 's service and had requested a cancellation and refund. However, they chose to forward those payments to the merchant despite my stern objection, Because of their failure to properly secure my account from and made those payments to the uncooperative Merchant I am now suffering this loss and humiliation. Those transactions and the issuance of provisional credits that were reversed caused the account to enter overdraft status which they are now claiming I have to make payment on before they will allow me to open an account. It is due to their dereliction, duty of care and failure to properly protect the funds in my account that gave rise to the current situation. Today, XX/XX/XXXX, I attempted to open an account with the XXXX XXXX branch with their check and was informed of the derogatory state of my name and credit. I also attempted to cash said check, ( Check No. XXXX dated XX/XX/XXXX ) with the XXXX XXXX XXXX but was rebuffed. They refused to cash the check stating that since I do not have an account with their bank they can not cash their own cash. Instead, they offer to cash the check only if I pay them a check cashing fee of {$10.00}. I refuse to pay them this fee as they have discriminated against me in opening an account and this debacle came about due to their negligence. Why should I pay them a fee to cash their own check? Why should I pay them a fee for a problem that they could have resolved in XXXX and for the degrading of my credit capabilities by holding a charge off against me? 

I would like to have : ( XXXX ) access to all my bank statements for the XXXX period. ( XXXX ) the reversal of the charge off from my credit report ( XXXX ) the reinstating of my account and ( XXXX ) the cease and desist of their discrimination against me.
Product: Checking or savings account

On XX/XX/year> multiple fraudulent transactions happened from my checking account. Someone went to an ATM and pulled out money at XXXX XXXX XXXX XXXX at an ATM AND in the branch. Then proceeded to call and try and transfer money to pull out more money. The online portal shows me it's ATM and IN BRANCH at that address. It was not me. I was not in the country! Immediately when I landed and was notified of suspicious activity. I logged in and froze my card and then called WF to see what I need to do and what was happening. It was in branch for {$1500.00}. Atm for {$2000.00} and {$990.00}. Then XXXX transfers {$290.00}. Also did a cash advancement from my credit card to that account to pull it out. I filed a police report, I asked if they would pull footage to see it wasn't me. I'm not in XXXX  nor do I live in that area. They said the card was tapped and chip used to it was me. Well how can it be via chip and be done via tap like they told me and it says, also, my card tap does not work. They just continue to say the same script and not investigating this properly. I asked if they need documentation that I wasn't there and they said no, not at this time. 

Please help me resolve this. I had to get all new accounts from this and they are going to pull the credit they fronted during the investigation but these transactions were not me or authorized. This is my livelihood and not protecting the customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : XXXX The account you are reporting. Is a Repossession. Is a CLOSED account. 

The XXXX of XXXX Payments after a repossession has occurred. 

This is a factual error. 

The reporting of late payments after a repossession has occurred ; Defaulting on payments on this account is inaccurate. 

This account has been identified as a repossession. This vehicle is no longer in my possession. It would be impossible for me to default on payments after the fact. 

Discrepancies like this are unacceptable ; I have the right to an accurate credit report. 

And this is unacceptable. 

Please remove this account from my credit report. As soon as possible. Thank you.
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent.

These accounts are not related to any transactions made by me, the consumer.
Product: Debt collection

There is an old debt from 2011 that Zwicker and Associates, P.C. ( XXXX. XXXX XXXX XXXX, MN XXXX ) had filed and sued me in another State without my knowledge to complaint. The debt is too old for law to allow for any sued to be done now. They constantly send people to my ex-wife 's house or call my number or my ex-wife 's house threatening with wage garnishment or collections. I have had nemours conversation with them to stop harassing my kids and my ex-wife but the harassment continues. I just want the daily calls to my family to stop.
Product: Mortgage

PennyMac scheduled a foreclosure sale date while I have a complete loan modification package pending and there is a Veterans moratorium stopping all VA foreclosures. Reg X requires a servicer to not schedule a sale date while a complete package or facially complete package is pending.
Product: Debt collection

Suttell and Hammer Attorneys at law or XXXX XXXX never contacted me over this debt or any payment options or possible law suit. IT JUST SHOWED UP. sent a possible legal ( unknown document stating that XXXX XXXX XXXX must sign a letter of stipulation and confession of judgement with a very old mailing date of XX/XX/2025 and gave me 2 weeks to reply with the first letter being received on XXXX XX/XX/2025. Also stating I XXXX XXXX waive my rights to payoff any debt ( if owed ) sooner. This is not the legal verbal agreement between myself XXXX XXXX and Suttell and Hammer Attorneys at Law. I requested a change of letter without the above statements to review or any other changes without duel consultation between myself and XXXX a representative of Suttell and Hammer Attorneys at law. I spoke with department manager XXXX at XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX where he reviewed the first set of ( possible ) legal documents and agreed that Suttle and Hammer sent the wrong documents and would send new documents with agreed changes. These Documents are said to be from XXXX XXXX XXXX XXXX in and for the State of Washington. The second document had minor changes and DID NOT ADDRESS the document statements verbally agreed on XXXX XXXX XXXX  and kept the original send date of XX/XX/2025. They Suttell and Hammer did not even try to have a new court order re-written and submitted to the courts Therefor denying me XXXX XXXX of our legal first verbal agreement and our second verbal agreement or giving XXXX XXXX the time or opportunity to collect evidence of amount owed or if Debt was owed and time to seek legal council in regards to the financial matter at hand. There for editing and trying to force a new agreement other then the first verbal agreement. And the second verbal agreement By sending a letter with no regards to any possible trust or agreement to any further communications or negotiations. Due to breach of verbal contract on 2 separate occasions Legal document NO. XXXX. The last section lines 22 and 23 of Letter/documents with NO. XXXX to sign sent by Suttell and Hammer stating They are desirous of making an amicable settlement of the said action on the basis stated above. Has proved to be false by supporting documentation and recorded phone conversation by Suttell and Hammer on XX/XX/ XXXX XXXX XXXX XXXX No further contact has or will be made due to possible further legal implications. XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX USAA accepted an Power of Attorney from my exwife, then wife XXXX XXXX ( aka XXXX XXXX XXXX ). In XXXX, I became aware that while I was in the military XXXX submitted a power of attorney to multiple financial institutions including USAA. Upon this discovery, I claimed identity theft by my ex-wife as it was also discovered she had changed her identity in XXXX to evade detection by authorities and an Family Protection order to produce children to visitation. USAA refused to conduct an investigation based upon the determination that the Power of Attorney was " cut and pasted together and had multiple discrepancies of authenticity. The identity theft continues to cause damage to date. Although USAA provided a copy of the fraudulent document ; they refused to investigate the incident of identity theft.
Product: Checking or savings account

Bank of America has been silently charging me a {$12.00} maintenance fee in my savings account since XX/XX/XXXX ( for a total of {$190.00} over the course of 16 months ), even though my " minimum daily balance '' was above the necessary {$1500.00}. The only time it dropped below {$1500.00} was in XX/XX/XXXX, and this drop below {$1500.00} was due to yet another maintenance fee. Note : to see this personal fee schedule for my account within the Bank of America online banking area, I sign in ... click on the affected savings account, navigate to " Information and Services '' then click on the link that says " view fee schedule. '' When I do this, a pdf called " personal fee schedule '' comes up on my computer. Then within this document, on page 4, the pdf clearly says that to avoid the {$12.00} maintenance fee, you can maintain a minimum daily balance of {$1500.00} in your account. WHICH I HAVE ALWAYS DONE. When I called to complain, they told me I needed to get my balance up above {$2500.00}! ( Even though my personal statement of fees CLEARLY says $ XXXX.So, I did this reluctantly ... and yet STILL they took out another {$12.00} fee in XX/XX/XXXX. I am so frustrated and feel so swindled. I want to close my account with Bank of America but am waiting ... in case you need me to keep it open to investigate this.
Product: Debt collection

Client Services at no point had permissible purpose to obtain, request, or review my consumers report pursuant to 15 U.S. Code 1681b ( a ) ( 2 ). According to 15 U.S. Code 1692 ( b ) Client Services is a debt collector. Client Services previously obtained this account as a result of material misrepresentation, fraud, lack of permissible purpose & Identity Theft pursuant to 15 USC 1681 a ( q ) ( 3 ), 18 U.S. Code 1028A ( a ) ( 1 ) ( 2 ) and IC XXXX & XXXX XXXX. XXXX XXXX  did not legally obtain my consent to sale, transfer, assign, or disclose any non-public personal information pertaining to this account with Client Services or any other third part as regulated by 15 U.S. Code 6802 of the GLBA. Additionally, XXXX XXXX  failed to provide the consumer with FULL disclosure at the initial signing. Failure to provide FULL disclosure of material information that is known to be relied upon by the consumer is misleading, an unfair method of competition, and unfair & deceptive acts of FRAUD.
Product: Debt collection

I was notified by my bank that my credit score dropped 47 points and began investigating what could have happened. I pulled an Equifax credit report and learned that MRS BPO , LLC on behalf of XXXX XXXX filed a collection against me for {$290.00}. I do not have an account with XXXX XXXX and verified that with the company. I was never notified of any debt due. I believe this is a mistaken identity case. I talked with two representatives of XXXX  XXXX and they both verified I do not have an account or owe money. They transfered me to the collection company where I was talking with someone when the call disconnected. They made no attempt to contact me.
Product: Debt collection

In XX/XX/year> I have provided official XXXX XXXX transfer orders to XXXX to the leasing office of the place where we just signed the lease not even a month prior. The landlord did not honor the military clause which allows active military personnel, who either are called to duty or must relocate, to break a lease and get their security deposit back. Not only did we not receive the security deposit back, we received a letter on XX/XX/XXXX, stating the account will be sent to collections with National Credit Systems and the email in which the formal letter was attached to also stated if we don't pay it will affect our credit as well as rental history. We did not even live at the apartment but one week and are getting charged thousands, damaging the credit in the process! When I tried to dispute with the leasing office I was told the leasing manager who sent the email and official statement no longer works there and that they already sent it to NCS and to contact them. The official statement of what is owed that was attached clearly states " Military Transfer '' as a reason for breaking the lease. So I would like to dispute this and have it removed from my credit report. We are an XXXX  military family.
Product: Credit reporting or other personal consumer reports

Dear CFPB, XXXX XXXX XXXX has crossed the line into intentionality and recklessness, they are making false credit reports damaging my credit reputation and causing lenders to deny me for their errors on my credit report. 

I have disputed these errors for over a year and a half on many occasions and XXXX continues to fail to correct the glaring errors that I have pointed out to them that exist at XXXX and TransUnion. 

Please dear XXXX, have the professionalism and ethical ability to fix the errors you mentioned and listed below, I have the right to a 100 % accurate report, ( THE LAW REQUIRES IT ), it is very important to me and I would not accept anything less than that, 99 % is not 100 %, the law says that every account reported to the ( CRAs ) must be 100 % accurate and verified. 


Account name : XXXX XXXX XXXX Account number : XXXX Date Opened XX/XX/year> Status Paid, Closed. 

Errors : 1-You report in XXXX and TransUnion the opening date was XX/XX/year>, but in the PAYMENT HISTORY, the first report is from XX/XX/year>. This is contradictory, the payment history does not report anything for XX/XX/year>. Is the opening date incorrect? Is the payment history incorrect? Which one is correct? Please correct this or delete the entire account. 

2-why did you block or DELETE BALANCE HISTORIE?

Why don't you report the balance paid month by month from when the account was opened until it was closed? 

Why don't you report the scheduled payment every month from when the account was opened until it was closed? 

Why don't you report how much I paid each month from when the account was opened until it was closed? 

Please provide all these details mentioned in the Balance History or delete the entire account XXXXIn the payment history, you have ND ( which I understand means No data ) for the months of XXXX, XXXX and XXXX XXXXWhy do you not have any data for these months? Why is the data missing? Please correct all the data or delete the entire account. 


Please CFPB and XXXX, so that my account is one hundred percent accurate and verified, these accounts have been paid in full and have errors that directly affect my financial health, so be 100 percent accurate or delete the entire account. 

I am attaching evidence directly from the XXXX report where I demonstrate the errors mentioned. It is worth mentioning that this account has already been removed from XXXX for not complying with the FCRA. 

Sincerely XXXX XXXX XXXX XXXX
Product: Mortgage

A real estate agent recommends filing a complaint.Assured representation of Tammac Corportation.Used discrimintory remarks to indicate high rates.Would provide their employees benefits for government services.Indicates a complaint.Shown a recommendation to charge a violation.Benefit a home owner.Establish an objective to increase an estate value would prove beneficial.To concerned parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is listed twice. Same account different dates, past due etc. Ive tried MULTIPLE times with XXXX. They wont even allow me to submit the dispute.
Product: Debt collection

On XX/XX/XXXX I pulled a hard copy of my credit report and noticed a negative account that I had never seen before. 

That same day XX/XX/2018 I reached out to the company via certified mail and asked them to validate the alleged debt. 

It has been well over 30 days and I have yet to receive a response.
Product: Mortgage

Loan # XXXX Point of contact : XXXX XXXX Customer Service Superviser I submitted a PMI cancellation request in XX/XX/year>. NewRez said the entire PMI removal process usually took 90 days, so it should have been completed on/about XX/XX/year>. Although NewRez sent me a letter in XX/XX/year> confirming that XXXX  will be removed, and despite my repeated escalations, XXXX  is still not 'officially ' cancelled. NewRez is XXXX ) still overcharging me each month for XXXX, and XXXX ) it's been 8 months but there's no expected timeline for resolution. 

General Timeline - XX/XX/year> - I submitted a XXXX  cancellation request - Every week, I called to follow-up however the NewRez team failed take action on it until XXXX - XX/XX/year> - XXXX finally ordered - XX/XX/year> - XXXX  is conducted by local real estate agent - XX/XX/year>- I received a physical letter confirming that the loan met the eligibility criteria for XXXX  removal - XX/XX/year>- I was overcharged and still charged for XXXX  - XX/XX/year> - I realize the overcharge, contact NewRez and bring issue to their attention - Every week, I continually follow-up. Each week the agent " escalates '' the issue - XX/XX/year> - I'm again overcharged for XXXX  in my monthly loan payment - XX/XX/year> - NewRez agent realizes the next step is for an escrow analysis to be performed, but it hasn't been. An escrow analysis is ordered and the issue is 'escalated ' - XX/XX/year> - XXXX again contact NewRez to ask for the status, and the escrow analysis isn't started and isn't planned to be complete for over XXXX  days still NewRez has missed every internal process XXXX  they have - XXXX ) processed my XXXX  removal request in XXXX months, but XXXX was XXXX  days, XXXX ) ordered my BPO in XXXX  days, but XXXX was XXXX  days, XXXX ) processed the XXXX  analysis in XXXX  days, but XXXX XXXX 14 days, XXXX ) have not removed XXXX  in over XXXX  days but XXXX  was XXXX  days. I have had to call NewRez to nag, plead, request and escalate every week since XXXX. They are not a credible or trustworthy firm and they should be audited, fined and held accountable for their flagrant negligence and lack of concern for their own customers.
Product: Credit card or prepaid card

It has been brought to my attention that a recent American Express representative whom I 've spoken to over the telephone may have attempted to retaliate against me for explaining to them that I refuse to speak to non-English speaking individuals when dealing with my Creditor. I 've noticed an increase in Spam since that day I spoke with this individual, giving me reason to believe that he and/or multiple individuals at American Express may have given out my email address ( in retaliation against me for expressing my feelings ), which is a clear violation of their privacy policy. This is unacceptable. I have a zero-tolerance policy with any organization I 'm doing business with where representatives feel the need to attack customers based on opinion. 

Given the serious nature of this event, I 'm also going to be forwarding this complaint over to the NSA so  they can understand and prevent American Express from allowing their staff to mishandle confidential customer information, at the behest of an incompetent and uncooperative American Express employee. 

Please respond to this complaint by providing your Privacy Policy as it stands today, and also provide a reason as to why American Express staff have been attempting to go against the rules of Security and maintaining Confidentiality.
Product: Credit card or prepaid card

I have two Chase bank credit cards. In XXXX was charged over {$120.00} in fees for XXXX. They claim I was given notice in first quarter. Notice was primarily about Chase XXXX and cash transaction piece was misleading, incomplete and unclear. They only refunded one charge on one card heres the language TERM WHAT IT MEANS Cash-like Transactions Cash-like transactions will be treated as cash advances. Cash-like transactions include, but are not limited to, the following transactions to the extent they are accepted : purchasing travelers checks, foreign currency, money orders, wire transfers, cryptocurrency, other similar digital or virtual currency and other similar transactions ; purchasing lottery tickets, casino gaming chips, race track wagers, and similar offline and online betting transactions ; person-to-person money transfers and account-funding transactions that transfer currency ; and making a payment using a third party service including bill payment transactions not made directly with the merchant or their service provider. 

I think the balance of charges should be refunded.
Product: Debt collection

XXXX HAS LISTED COLLECTIONS {$1000.00}. XXXX PAID XXXX IN XXXX XXXX. I HAVE NEVER RECEIVED ANY INFORMATION REGARDING THIS ACCOUNT. I PULLED XXXX  AND CLAIMS FROM XXXX WEBSITE AND THE XXXX CLAIMS WERE PAID AT 100 % IN XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct for erroneous reporting in my file and is listed on my credit report : XXXX XXXX XXXX : {$770.00}
Product: Debt collection

I am being harassed by Radius Global Solutions. I'm not sure who the original creditor is. I went through a rough patch and the debt on my credit report seems to have been sold to company after company. I had asked them to stop calling me when they first began calling. I had to block them. And still call after call comes up on my phone. They use different numbers. I have several screenshots of my call log for 3 of their phone numbers which do all come up Radius Global Solutions. 

I am getting physically ill over all of this. I have too many problems on my plate as it is. Especially with the never-ending covid hindering my finances, I'm barely making ends meet. 

*You should have 6 different screenshots attached containing the most recent call logs of 3 of their phone numbers. Thank you. 

**This is not the original debtor. I'm unsure who is. I must choose " I don't know '' on the next page as I can not move on without the original debtors name. I'm noticing on my credit report the debts are sometimes sold off more than once, and only list the most prior debt collector. That makes it confusing, it comes to the point where you don't know what the debt is, if it's really yours, etc.