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

I have a business checking and savings as well as a personal account with M & T Bank which has been open for roughly XXXX years. When I opened the account, I was incentivized to have any fees waived by opening a business and personal bundle. XXXX accounts waived a {$25.00} business checking fee and a {$14.00} personal account fee. This occurred until the middle of this year. 

As noted above, the {$25.00} dollar charge and {$14.00} charge stopped being waived without explanation. I called the bank each month to ask why this stopped and was told that I was compliant with the bundle policy communicated to me upon opening. On XX/XX/2022, I noticed additional charges and called to inquire. Today ( XXXX ), I was told that there is now an account minimum which I do not meet ( and have never met ) and that the branch manager was waiving this fee at his /her discretion. 

These changes were never communicated to me in any written or electronic form. Previous interactions with live customer service representatives - as recently as XXXX / XX/XX/2022- indicated no account balance minimum or bundle waiver issue. 

I was told today verbally by a customer service representative that they will now send me something in writing- only after the charges have been imposed to both my personal and business checking. 

Arbitrary enforcement of bundle fees with no communications is clearly a misleading effort by M & T Bank to sell/ bundle their accounts and boost account opening stats. 

I'd appreciate if there was an inquiry into these types of practices.
Product: Credit card or prepaid card

I made a payment on my credit cards from Capital One. Capital One accepted one credit card payment and applied the payment but has not applied the second payment. I called and asked why they had not applied the payment and Capital One told me that I had a reversed transaction and they would have to call my bank and verify the funds. I told them the same payment that was applied on the first credit card came from the same bank and funds are valid!!! Capital one has not applied my payment to my second credit card and I am still wondering why?!!!
Product: Credit reporting or other personal consumer reports

i lost around XXXX dollars from XXXX due to zelle not being able to compensate me for sending money to the wrong person and not being able to get my money back for fraud
Product: Mortgage

I filed a complaint through the CFPB with Chase bank on XX/XX/2020 ( Complaint ID XXXX ) regarding my chapter XXXX bankruptcy discharge of the second mortgage not being dropped appropriately according to the language in the Deed of Release. The Deed states This Release is solely for the purpose of releasing the real property described above from the lien created by the Deed of Trust and is not a release of the obligation under the Note as said obligation has not been fully paid. This issue was found out by an underwriter when I was completing the process of a Home Equity Line of Credit to pay off my vehicle. The terms were {$55000.00} for 120 months ( 10 years ) at a 6.49 % fixed rate with a new monthly payment of {$630.00} but now I have been denied and missed that opportunity due to Chases Deed of Release language errors. In addition, I was also in a refinance process with my mortgage loan of {$230000.00} at a 3.875 % fixed rate 30 year mortgage with a monthly payment of {$1300.00} which expired on XX/XX/2020 due to Chases issues I could not complete the process. Attached are the documents stating the proof of these two transactions. I want Chase to take it upon themselves to accommodate me with the above mentioned Home Equity Line of Credit and Refinance terms of my mortgage that I have since LOST due to Chases mishaps. 

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

American Advisors Group ( AAG ) did not have permissible purpose to access my credit report. Thus they could not certify permissible purpose to the CRA 's and XXXX XXXX. Section 604 defines permissible purpose - " In accordance with the written instructions of the consumer to who it relates ''. 
AAG, XXXX, XXXX, XXXX XXXX, and XXXX, circumvented and violated the law by not having written instructions from the consumer to allow accessing credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I received an alert from XXXX XXXX regarding an account open requesting me to validate. Clearly it was not mine so I filed a complain with XXXX XXXX  who provided a loan of more than $ XXXX to purchase a car, file XXXX  police reports one in SC and another one in NC were the crime took place and same day I freeze all my credit reports with the 3 companies, and place fraud alerts. On XX/XX/XXXX I receive an e mail alert at XXXX from my XXXX XXXX lettings me know that they have block an inquiry with XXXX XXXX. On XX/XX/XXXX I call XXXXXXXX XXXX XXXX as recommended by XXXX to ensure they had not provided any credit. 
I provided the background but here is the reason of my complaint. On XX/XX/XXXX at XXXX I received an e mail from Equifax letting me know that my e mail account had been changed. I called them immediately, as I tried to access my web services with my previous credentials without success, the CSR on the phone help me correct the situation, I question them HOW can it be so easy for anyone to change this type of information, she even provided me the reference of the phone number that called XXXX XXXX XXXX to make the changes. When she reestablished my account I notice that my credit report was unfreeze, so clearly Equifax doesn't have controls to protect our information. They only offer to have better protection was to buy there security services for {$4.00} per month " Good way to force the consumer ". I called Monday XX/XX/XXXX to file a complain and I couldn't because they don't have any records of this situation in their system? really? does this means that Equifax employees and involved in Identify Theft?. It gets better, the fraudulent bank account is not in my report anymore with them, but the bank hasn't clear it yet, how is this possible? I have like XXXX  hard inquiries on this issue that I have dispute more then 3 times on line and over the phone that they reject regardless that I have police reports. The other 2 companies are no different. BTW once I paid for the services, when I call they did now authenticate me with Biometrics and ask for ID. I really need help, I know doing the right thing is never easy, but it shouldn't be this difficult. I have spent more than 40 hours on this issues with all the government agencies involved.
Product: Mortgage

On XXXX/XXXX/XXXX I was introduced to and contacted Prime Lending Mortgage in XXXX, XXXX. The loan officer I specifically worked with was XXXX. From the start all was well I did everything I was instructed to do in order to get fully qualified by underwriting for the FHA funding. This process of getting a payment installment agreement took about 6 weeks and I had to provide one letter from a child support agency. The problems started when I was instructed to pay the IRS {$200.00} per month when the actual agreement was {$100.00} per month. In short after being fully qualified in underwriting myself and y agent made an offer on a property. The offer was accepted and Escrow was opened with me putting a deposit of {$1000.00}. I was told to use my credit cards for the appraisal, home inspection and termite inspection. On XXXX/XXXX/XXXX i was emailed TRID Milestone was met and Closing Disclosure were ordered and I signed the same day.Things seemed to be moving forward smoothly via email but I never really spoke to anyone at Prime Lending after several requests for phone calls for guidance through this process. As we moved close to the closing date I began to get many questions that were very unprofessional. I have emailed requests for my sons birth certificate, social security card, receipts from XXXX up to XXXX, air flight tickets, motel room receipts and many personal items that had nothing to do with my loan already being fully approved in underwriting. XXXX specifically stated that my address was an issue and or credit when they had already approved me 50 days prior. This was a very unprofessional experience. I 've lost thousands of dollars in time and clients. This company lied to myself and the seller of the property and somehow had no solid excuse for denying my loan after being fully approved. In an email from XXXX it is stated that I will be fully refunded and so far I have not heard from anyone on staff and my calls or emails are not being responded to. My credit has been destroyed do to the instructions of this institution to close XXXX of my credit card accounts in which I later leaned was not legal or professional advise. Prime Lending in XXXX XXXX used an excuse of me having ownership in a property in XXXX XXXX XXXX that I lived in for 8 years as an excuse to say that why I was denied. I was not able to prove to them that the property was not mines nor should I have had to produce such documents when the lending company could have checked for themselves. There are so many things that happened that wronged myself and my rights that I can not put it all within this complaint but I am seeking legal information on how to proceed in filing a civil matter for discrimination.
Product: Bank account or service

I spoke to the bank about geting some fees waived on my account, I spoke to someone over a chat and they had a manager call me. The manager advised me that he would be able to help me, and that he would make sure my account would decline every transaction moving forward if my account was overdrawn. None of what this individual told me happened. This occurred on XXXX/XXXX/XXXX. Back in XXXX XXXX I was given wrong information by both a branch manager and a customer service manager. I was unable to pay rent and was forced to sleep in my car due to the incorrect information provided, I was also advised all my fees would be waived in light of the " miscommunication '' That did NOT happen. Every time i contact the bank I am talked down to, disrespected, not treated with dignity and lied to.
Product: Credit reporting or other personal consumer reports

I had a collection pop up on my credit report. It was Jefferson collecting a debt from sprint. This debt is XXXX years ago. How can that go on my credit report after XXXX years ago
Product: Student loan

I received mail on XX/XX/XXXX and XX/XX/XXXX coming from Capital One and one sent from XXXX XXXX on a date around the same time but do not recall when. The request for one of them which I opened mistakenly was for a student loan which was denied. It was sent to my address but for a completely different name of a person that does NOT live at my address and never did ( XXXX XXXX ). I know of ALL the residents living in my home for the last 60 years so I am confident this is someone trying to scam. There have never been renters in my home and the same for prior owners for the last 6 decades. I returned the mail back to USPS indicating to return to sender because the person does not live here. I have not been contacted by them but I have notified both XXXX XXXX and Capital One of this fraudulent activity. I am shocked to see another piece of mail coming to us for a second time from Capital One with this person 's name and would like to ensure this person is identified and stopped as well as these banks which continue to process these requests, which to my knowledge have all been denied. Both my husband and I have our credit frozen and will remain that way unless we are personally applying for something. We do not believe our identities have been stolen, but this person is using our address without permission for their own fraudulent attempts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the pass. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Mortgage

My wife and I applied to refinance our home 's mortgage. We were hoping to reduce the interest rate on the loan. We applied for the loan through LoanDepot. We were approved for the loan, and paid all fees and cost, including {$500.00} for the inspection. Then we heard nothing. I tried contacting the LoanDepot loan officer ( XXXX XXXX ), and he responded several times, telling me that the loan was fine, and with the " underwriter ''. Then I received and email from LoanDepot informing me they had discontinued processing the loan, and asking if I would fill out a survey describing my " experience ''. Getting ripped off for several hundred dollars is never a good experience, but it is memorable. 

I immediately contacted the LoanDepot loan officer ( XXXX XXXX ) asking what had happened, and was I really out several hundred dollars. He told me they had been trying to contact me, to set up the closing, but I hadn't returned their calls, so the canceled the loan. I reminded him that I had been emailing him asking where the loan stood, with him always assuring me it was fine and in the underwriting process. If they were trying to call me there was no record of any incoming calls on my phone, the loan officer never tried to reach by email, and the time they claim they were trying to reach me was over thanksgiving week. 

After expressing outrage about the horrible service and money wasted with LoanDepot, they ( XXXX XXXX ) told me if I paid some additional fees they would reinstate the loan. Foolishly I did. I never heard from them again. I tried calling the loan officer, customer service, and just the the main line, never being able to get through, leaving a message in all cases, and still never hearing from them. 

My wife and I are very fortunate, and have remained employed during the COVID pandemic. We make very good salaries and have near perfect credit ( 820+ credit ratings ). We were simply refinancing ( no cash out ) and asking for less than 65 % of the home 's value. There is no reason for this loan not to have been made. 

They are a black box and they have stolen several hundred dollars from me, and I have no recourse. They stink. Protect others from LoanDepot.
Product: Credit card or prepaid card

The XXXX pre-paid XXXX XXXX Card that I currently have has continued to withhold funds from me illegally. I recently filed a complaint with them regarding a pre-authorization charge hold that was placed on my card for a recent hotel stay. In that case, despite the fact that the hotel had released the funds the very next morning upon checkout, the XXXX XXXX  card decided to withhold the funds for up to 21 DAYS! After making my way through several calls and supervisors later, they had told me the funds could be released if I were to send in a fax with specific instructions and answers to their various questions regarding the transaction. Once I completed that unnecessararily tedious transaction, the funds were released back to my accountabout ten days after they should have been. Well in my current situation, the same exact kind of hold, this time for {$86.00} was placed on my account on Friday, XXXX XXXX, despite the hold being immediately released the following day on Saturday, XXXX XXXX. Hoping to take advantage of what is still a tedious way to get what was rightfully owed back to my account in an efficient manner, I had sent in a fax again, per their specific instructions and answers I was to give to their questions. But, lo and behold, they told me of a restriction they havethey only allow these faxes they use to release the funds that should have already been released to my account ONCE EVERY 30 DAYS. I would like to point out it doesnt state this anywhere in the card holder agreement, to which the supervisor stated was correct. So they are are setting up their own kind of rules that are not written in their cardholder agreement. Isnt this an unlawful withholding of my funds then?
Product: Credit reporting, credit repair services, or other personal consumer reports

The company isn't reporting the correct balance owed after receiving payments from my wage garnishment.I made multiple payments since XX/XX/2023 that are coming out of my check every month. My wages are being garnished the payments received are not being reported to the credit bureaus. Not showing the new balance owed on this account.I am trying to move and having a hard time showing this company is being paid because they haven't updated how much is owed to the credit bureaus. It's showing I still owe an old balance of {$3100.00} when I paid {$700.00} that brings the balance down to {$2400.00}. I reached out to the company by email he hasn't responded to my email requesting them to update my credit report. I have to prove this debt is being paid and the amount that is left on this account so I can get a place to move into.
Product: Mortgage

I am in Ch XXXX bankruptcy, and the servicer refused the full XX/XX/2019 mortgage payment of {$1400.00} I made, and returned it to my bank on XX/XX/2019. Here is a timeline of events : On XX/XX/2019, I called Mr. Cooper ( the servicer ) because my XX/XX/2019 mortgage payment was refused, and I was instructed to call their counsel, XXXX XXXX  XXXX. A few minutes later, I called XXXX XXXX  XXXX and was told that XXXX payment was refused because my account status was mistakenly changed to active foreclosure in Mr. Coopers computer system. Following the phone call, I sent an email to XXXX XXXX  XXXX confirming the conversation. A follow-up email was also sent to XXXX XXXX XXXX that included correspondence from my banks Bill Pay department regarding the returned mortgage payment. 

During this time, XXXX XXXX XXXX was conducting an audit of my mortgage account. After conducting an audit of my mortgage account, they informed me on XX/XX/2019 that they had withdrawn their Notice of Intent filed on XX/XX/2019. That same day, I contacted Mr. Cooper to make mortgage payments for XX/XX/2019 and XX/XX/2019 and was told that my account status had to be updated in their system before payments are accepted again. I was also told that I would be sent a statement once my mortgage account status was fixed.XXXX XXXX  XXXX filed another Notice of Intent on XX/XX/2019 while I was waiting for Mr. Cooper to fix my account status and accept payment from me again. 

On XX/XX/2019, I received a mortgage statement dated XX/XX/2019 but it reflected an inaccurate balance of {$850000.00}. My monthly mortgage payments are {$1400.00}, so the correct amount due should be {$5600.00} for XXXX, XXXX, XXXX, and XXXX. 

On XX/XX/2019, I filed a Response to XXXX XXXX XXXX most recent Notice of Intent ( they have filed and withdrawn 3 Notices of Intent within the last 6 months ), and the U.S. Bankruptcy Court for Maryland has scheduled a hearing for XX/XX/2019 to help me resolve my mortgage account issue. 

On XX/XX/2019, I sent a payment of {$4200.00} for XXXX, XXXX, and XXXX mortgage payments. However, on XX/XX/2019 around XXXX EST, a customer service representative in Mr. Coopers bankruptcy department said that my account status was still not fixed so the payment may be returned. On XX/XX/2019, my mortgage payments for XXXX, XXXX, and XXXX were returned to my bank and stamped as refused. 

Finally, in a Praecipe to the Circuit Court for XXXX. County, XXXX XXXX  XXXX falsely claimed that the stay from foreclosure was recently lifted by the bankruptcy court and so foreclosure events will commence, but the stay is still in place according to the US Bankruptcy Court in XXXX. I subsequently sent a Notice of Error to Mr. Cooper, XXXX XXXX XXXX, and XXXX XXXX for refusing my payments and refusing to fix my account status.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My personal information was stolen through and email and I did not know about it until I saw 8 different charges to a merchant called XXXX on XX/XX/2020 : {$800.00}, {$480.00}, {$200000.00}, {$1900.00}, {$1100.00}, {$1000.00}, {$280.00}, {$2500.00} = totaling {$10000.00}. 
I bank with Bank of America, it's a business account, I have never done any business with XXXX. Bank of America never sent me any text message alerting about those transactions, nor put a stop on my card. When I saw the charges, which were still pending, I called the bank immediately and informed them that those 8 charges were not authorized and not made by me. The bank told me they had to let the charges go through and they will refund me after. 
They opened a fraud request and denied stating that the information provided to the merchant for the 8 transactions matched mine. I told them that I knew it was going to match because my personal/bank information was stolen! 
The bank denied to refund the {$10000.00} that was stolen from my account stating that it's not fraud. 
I called the bank and I asked them to reopen the case. They did and they denied again stating that it's not fraud because the information on XXXX website matches my information and then the bank is lying that they sent text messages to my husband 's phone alerting about the transactions on XX/XX/2020 ( also a signer on the account ), but they did not send any text message ( I am including a copy of my phone bill here to show you ) I have called the bank every single day, since XX/XX/2020 when I found out about those charges. I went to the police and made a report ( the police laughed at my face because he said there was nothing they could do ), I put an alert to my credit report and I will prove to the bank that I did not do those transactions, I don't understand how come 8 different transactions to the same place, same day, one after the other did not raise a red flag with the bank. The bank had to put a stop or call me to ask if those transactions were valid. 
I am desperate because it was not a little amount of money, it was {$10000.00}. 
I need help to get my money back. 
I filed a police report, I put an alert on my credit report, I called the merchant, I called the bank and I will keep doing until I prove it was not me who did those transactions. 
The bank had the obligation to care for my money ... they should have never let those 8 transactions got through without asking me if it was authorized by me ... it was a huge red flag ... huge ... 
Please help me!!!!
Product: Debt collection

The medical company submitted incorrect insurance information and is trying to collect the balance which they claim is owed. The insurance should have covered the bill. I have 2 insurance providers. Additionally this was a yearly physical which is provided free of charge.
Product: Debt collection

I understand that XXXX XXXX mandates the removal of any incorrect accounts from my credit report. Could you please review the documents? Some of the listed accounts have inaccuracies, which is causing me discomfort.
Product: Credit reporting or other personal consumer reports

Please remove any hard inquiries and fraudulent accounts off my credit profile from XXXX, Equifax, XXXX XXXX immediately. 

XXXXXXXX XXXX XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX {$460.00} XX/XX/year> XXXX XXXX XXXX {$630.00} XX/XX/year> 2023
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  IS SUPRESSING MY CREDIT FILES AND THUS XXXX XXXX IS UNABLE TO DELETE 3 ACCOUNTS.