23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX RE : M & T BANK QUESTIONABLE UNETHICAL BUSINESS PRACTICES Residential Mortgage Loan Pay-off Date : XX/XX/XXXX M & T BANK ML # : XXXX LIEN RELEASE INSTRUMENT # : XXXX DATED XX/XX/XXXX County / State : XXXX County, NV Dear Consumer Finance Protection Bureau Support : Subsequent to the above-mentioned mortgage loan pay-off, we requested the stamped Paid Mortgage Note and a copy of the recorded Lien Release Instrument numerous times without success. All required Residential Mortgage Loan Pay-off fees/charges were paid in full through Escrow, XXXX XXXX XXXX XXXX XXXX ( File # XXXX ) as of XX/XX/XXXX. 

On XXXX ( @ XXXX XXXX PDT ), XXXX of the M & T Bank Residential Mortgage Department ( XXXX ) disclosed that 1 ) pursuant to State Law , M & T Bank must record the pertinent Lien Release within 30 days of the mortgage pay-off, 2 ) M & T Bank will NOT provide us with a copy of said Lien Release and 3 ) we must contact the XXXX County Clerk directly to submit the appropriate fee ( s ) to acquire said copy of the Lien Release. 

We have purchased and sold numerous real properties since XXXX and never had this situation occur whereby a lender & /or the assigned mortgage loan servicing agent does NOT provide the above-mentioned items upon mortgage loan payoff. 

Kindly assist us in our efforts to acquire the above-mentioned stamped Paid Mortgage Note and a copy of the recorded Lien Release Instrument. 

M & T BANK Contact Information M & T BANK Residential Mortgage Loans XXXX XXXX XXXX NY XXXX XXXX M & T Bank Headquarters XXXX XXXX XXXX, President and Chief Operating Officer XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Thanking you in advance for your responsiveness and assistance. 
cc : Complaint Submitted XXXX of XXXX  New York XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

They said I can't use service anymore. I can transfer money to a " unique '' account. Well I tried adding an account can't. Tried cashing out to connected card. Can't. Tried getting a response can't. I just want my money so I can close the account
Product: Credit reporting or other personal consumer reports

Nelnet is reporting late payments up to 120 days past due from XXXX - XX/XX/XXXX as well as some in XXXX when my student loans were already transferred over to XXXX. XXXX has owned by student loan debt since XX/XX/XXXX and I have paid on time with them. I have disputed the late payments Nelnet claims are they were not my loan provider when reporting late payments and they will not remove them.
Product: Student loan

I graduated back in XX/XX/XXXX with my XXXX in XXXX. Starting in XX/XX/XXXX I started with the loan that I currently have ( Was once known as XXXX now they are Navient. ) At the time I had no job but had a sum of money in the bank. So in a sense I should have been able to have been given options to replay my debt. They forced me into forbearance since I did n't have a steady income or job. The one I applied for stated that interest would not be charged but my debt increased overtime and now I have applied for forbearance again ( since I was not presented with any other options in my case ) but with interest on top. 
Also - I have received these " statement update '' emails from them. They were extremely vague, so much so that it was n't until nearly XXXX months later in the year of XX/XX/XXXX that I found out I was overdue in payments by XXXX months in which I had no choice but to file for forbearance for. Just recently they started to deduct points from my credit score. What is strange is that they have never done this XXXX XXXX. Actually no info about my loans showed up in my credit score until RECENTLY AFTER I applied for a forbearane with interest on top. In all of the time I have been with them, they never reported, even during the few times that I have let the due date roll by due to very vague emails. 
I also never received phone calls unless it was the above issue. Ever since that has happened, I have had XXXX phone calls, quite a number from them, from other credit services and more. Now I am close to {$70000.00} in debt, in a forbearance that will add even more interest to that amount and simply very confused about my options because now that loan company is getting sued/in the process of it and would like to know my options. I am living check by check while doing freelance work in my field. I am working towards my goal but with this huge debt and the very little options they presented with me, I do n't think I will be able to live at least decently for a while and that scares me. I would like to know my options.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, I received a customer service courtesy call from XXXX XXXX, which stated that my account was 27 days past due and that they were checking with me because they thought it must have been an oversight as I have NEVER had a late pay on my account. I explained to the customer service rep that my bank account had been compromised and I was not aware that that payment had not gone through on XX/XX/2018, as the bank stated that normal payments are usually honored. I immediately proceeded to make the required payment and I confirmed with her ( customer service rep ) that this was not a 30 day late pay to which she agreed. She ( customer service rep ) did proceed to tell me that my account would incur a {$30.00} late fee, however, because the account was not 30 days late, it would not reflect negatively on my credit. She further stated that the payment would be processed on XX/XX/2018 to ensure that there were no mishaps. A few weeks later I received an alert from my credit monitoring service that I had a late payment. I immediately contacted the credit card company ( XXXX XXXX ) at which time they refused to remove the late pay. I asked them to review the customer service call which they subsequently refused to do. This incident has severely negatively impacted my credit and the credit card company has refused to not only admit wrong doing but also refused to remedy the situation.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following items in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Wells Fargo from 2009 until lose of home due to foreclosure took large sums of money from me that was left in limbo and was never used to help in my foreclosure even after I paid and Wells Fargo still foreclosure on me. I had VA loan. I've sent numerous faxes and info to Wells Fargo even up to today. Still no resolution that is acceptable to me. They owe me funds that i applied and funds due to hardship and not allowing the info I sent as requested to still allow foreclosure. Its still a total and complete disservice to me and all wrongfully done consumers. All I want is my portion of funds to justify my lose and to compensate me for there mistakes and misleads. Thanks and XXXX bless
Product: Debt collection

On XX/XX/2021 a collection account has been wrongfully placed on my credit report. Currently, XXXX XXXX XXXX collection is reporting to my credit report on Transunion with a balance of {$2300.00}. XXXX XXXX XXXX is currently violating my rights as a consumer. I was not provided a violation of debt letter. And according to Debt Collection Rule clarifying certain provisions of the Fair Debt Collection Practices Act ( FDCPA ), and 809 ( 15 USC 1692f ), Validation of debts includes ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 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. I contacted experian and they stated that there was nothing that I could do.
Product: Credit card

XXXX is a payment processing XXXX service by PayPal, enabling businesses to accept credit cards and electronic check payments on their websites. 
In early XXXX, I was contacted by Paypal to tell me there was carding fraud occurring with my XXXX account. Fraudsters were using automated tools or bots to test stolen card numbers by making small purchases to see if they work. This type of fraud is called carding. Once they find valid card details, they may use them for larger, unauthorized purchases or sell them on illegal marketplaces. 
Every time a fraudster makes a carding attempt using my website, I am charged XXXX cents. After thousands of carding attempts, my bill came to {$14000.00}. This is just for Paypal fees, not for fraudulent charges. Paypal did not lose any money for these carding attempts, they are merely charging {$14000.00} in fees. In previous months, I averaged less than five sales on my website and suddenly this number jumped to over XXXX. Logic tells us that Paypal should have seen the attempts and put a stop to it right away. 
In response to this, I had my IT person install programs on my website to stop the carding. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX were all initiated on XX/XX/year>. XXXX was installed on XX/XX/XXXX. Regular updates to definitions and settings were made through the month of XXXX. 
On XX/XX/XXXX, I noticed that Paypal had charged {$14000.00} to my credit card on file. Since this was fraud, I filed a dispute with my credit card company, XXXX. 
On XX/XX/XXXX, the website was brought down. XXXX  no longer exists. 
On XX/XX/XXXX, Paypal XXXX was discontinued, and the account was closed. 
Between XX/XX/XXXX and XX/XX/XXXX, many phone calls and emails were exchanged between me and Paypal regarding this matter. Since this was fraud, I expected Paypal to reverse the charge. Afterall, this outrageous bill is just for Paypal fees, Paypal did not lose any money over this. Paypal could have stopped the carding attempts but neglected to do so. 
On XX/XX/XXXX, I was notified that the charge would not be reversed and if I dont pay it, it would be turned over to collections. I repeatedly asked to speak to a more senior member of their staff and was repeatedly told I could not.
Product: Payday loan, title loan, or personal loan

I contacted this company a year ago and stated I could not mail in payments. I needed to keep a checking account or credit card on file. I do n't want to do that because I will not make the payments on the same day. They stated they could n't help me if I did n't leave that information on file to withdraw automatically. I asked why there were so many fees added after I contacted them that I could n't pay them and they said they can charge up to a year after I contact them.
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 3 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 from erroneous reporting in my file is listed on my credit report : *XXXX XXXXXXXX XXXX Date Opened : XX/XX/2016 Balance : {$0.00} Correct this reporting by revising the information provided. This account was paid as agreed and past due was already XXXX. Modify and perform any corrections or FIX this account from my file.
Product: Checking or savings account

I have banked with Bank of America Small Business for over a year. Every month, there is a check deposit made into the account from the same payor and the same amount. During the first several months this account was opened, the bank would put a full 15 day hold on this deposited check. The first time they did this, I was hit with seven returned item fees for {$35.00} each because I was anticipating a 5 day hold based on the deposit receipt I received when I made the deposit. I was told 5 days and then they arbitrarily changed this to 15 days. When I complained, they returned ONE of the returned item fees for {$35.00} and kept {$210.00}. A few months later, I spoke with a banker who told me the bank would no longer put a hold on deposits made from this payor because it was a corporate check, the funds had always cleared and my account was in good standing. The month immediately after this conversation, I made the exact same deposit, same amount, same payor, and a 5 day hold was placed on the check. When I called customer service, they reduced the hold to 3 days and released 25 % of the funds immediately. However, that month they still returned 5 items after the payments had already posted to the account, and refused to refund any of them. This month, on XX/XX/2019, I was hit with another five returned item fees for {$35.00} each because they split the deposit into two separate holds even though the teller at the bank where I made the deposit told me the full amount would be released in 3 days. When I called this morning and spoke with " XXXX '', she went into the account and released the full amount immediately and told me the bank puts " a hold on checks because there has been a surge in fraud and they do it to protect my interests ''. I then asked for a refund of the fees I was charged, she asked me to hold while she looked into the account. She then returned to the call and told me she would not be able to refund any of those fees. I asked as to the reason why she couldn't and she said " looking at the account, the payments, these fees, I can't do anything ''. How is this " protecting my interests ''? The account has always been in good standing, the only problems relate to hold periods which seem to arbitrarily change to trigger fees. This is gross and intentional abuse of depositors for the benefit of the banks bottom line.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus AGAIN AND 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 REMOVED! 
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 card

i applied for a TD bank credit card. i was promised a {$200.00} sign on cash bonus when i spent {$1500.00}. i did my part the bank will not issue my {$200.00} sign on bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. I am attaching a Copy of the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 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 to cause to believe that the information is inaccurate.
Product: Checking or savings account

On XX/XX/XXXX TD Bank charged me XXXX dollars in overdraft fees after I made a withdrawal. The problem is that they first limited me to only XXXX, and immediately after allowed me to take out XXXX, and then XXXX. They forced me to take it out in 3 separate transaction and had the audacity to charge me XXXX dollars for each transaction. Then they charged me again XXXX dollars for a withdrawal I made on the XXXX even though I made a deposit that same night. Today I found anew charge of XXXX I had no idea what it was for so I called them and they said that it was for the XXXX because 3 payments were processed that day. So within the span of two days TD Bank charged me XXXX, XXXX, and XXXX again just in overdraft fees for a total of XXXX dollars. It's outrageous!
Product: Credit card or prepaid card

I have excellent credit. I have few Credit cards. One was XXXX XXXX XXXX through Comenity Bank of Ohio. I used the card for member benefit only and would pay it in it's entirety after each use. Back in XXXX ( I believe ) I ordered some things and made a phone payment that was a day or two late. I did automation and it did not tell me the payment was late. Months later I started getting phone calls and a few emails from Comenity Bank. I honestly thought this was a scam as I was getting a lot during the pandemic. I finally answer to get them to stop and I find out that I was being charged late fees and interest from that late phone payment. I got them to waive one month 's fees due to my good credit standing but they couldn't let it go completely. Since it was my fault for paying late from the beginning I decided to pay what was left and close the account due to Comenity Credit practices and I told Victoria 's Secret about this as well. On XX/XX/2022 I paid Comenity Bank, by phone, XXXX of interest and late fees without a purchase balance and closed the account. 
Well it has started all over again. The emails, the phone harassment, and I have no idea what the heck they are saying. The account is closed and they are talking interest and late fee 's AGAIN from what I can understand due to their language barrier. Please shut this bank down. Their thieves.
Product: Mortgage

Guaranteed Rate Loan Mitigation Department Mail XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX IL XXXX I am requesting an audit of my mortgage and would like to know why after nine ( 9 ) months, I am still in the forbearance program. I would also like to know what mistakes were made on my file. 
Due to XXXX, In XX/XX/XXXX, I lost my job. I placed my home under the forbearance program at that time. In XX/XX/XXXX, I contacted Guaranteed Rate wishing to begin making payment again. I was told to start making payments, so I did as of XX/XX/XXXX. I have not missed any payments since then. 
I contact Guaranteed Rate at least twice a month, sometime up to four times a month. I have spoken with numerous employees. I have left messages. I have had my account escalated to supervisor more than 15 times and have yet to hear from a supervisor. They do not return my calls. I was told that there was a mistake make on my account and that my file is in underwriting. Ive been told that that my file is with a supervisor waiting for them to sign off. Excuse after excuse. 
I have had NO resolve on my case/file. What is it going to take to get this matter resolved and to bring my home out of the forbearance program? Again, its been 9 months. I have requested to have my payments deferred several times. 
My house being in the forbearance program has made me miss out on opportunities to get my home refinanced to a lower interest rate. Quite honestly, I think its intentional and that the bank wants me to keep paying at the higher interest rate.
Product: Credit card or prepaid card

I had been using the automated telephone system to get assistance from customer service whenever I needed assistance. Often times they were very intrusive with the amount of information that they request to verify your account even though you are typically being transferred through the automated system to a rep after having verified your account. 

Date of birth, last four of you San and sometimes full ssn, your card account number, address, verification of your photo ID through a text system ... etc. At times you are forced to give all if this information. 

While I understand that this is for your own protection and agree that their has to be a standard to do so, I feel the process at times is too intrusive. 

This company also would not allow for you to go into an actual branch to verify yourself with an ID if you felt uncomfortable giving so much info over the phone ( was told that was not an available service ). 

After feeling as if my privacy was being invaded by too many CSR 's, and after speaking g with several fraud specialist, I was finally told of the option to verify me through the mobile app. This seemed less intrusive but at times some CSR 's won't utilize that option.

It leaves the consumer feeling completely harassed.
Product: Mortgage

XXXX was until just recently my mortgage loan servicer and I was having servicing issues with them as they were not treating me fairly with my requests for mortgage assistance. Not only were they not providing me with retention options, but now they have sent my loan to another servicer : Shellpoint Mortgage. I can only assume they did this to get rid of a problem loan. My family had some financial challenges when I suffered a reduction in hours at my job. We hung on the best we could to keep up with our mortgage payments, but ultimately fell behind. They provided me a modification to keep us in our home, but it was not affordable. Subsequently, I fell behind on my mortgage again while struggling to keep up with all of my financial obligations. We have rectified our financial situation and I am making more money than ever. Also, my job is now very secure and is providing me with plenty of overtime that will continue for years to come. However, when I tried to convey this to XXXX, they just insisted that there is nothing they can do. I see that the US Government fined XXXX XXXX XXXX for the way they serviced requests for assistance by homeowners, yet they still continue performing the same way as they did before. I believe the US Government also gave XXXX a consent order detailing exactly how they must treat requests for assistance, but I believe they have failed on my loan. XXXX was not being fair regarding my request for assistance. 

I am hoping Shellpoint Mortgage doesn't treat us the same way, and my family could really use some assistance to save our home. We are now in foreclosure and are afraid that we will lose our home. Please help us fix this.
Product: Money transfer, virtual currency, or money service

Im deeply concerned about the growing issues surrounding Zelle and its role in financial scams. Zelles ease of use, while convenient, often leaves consumers vulnerable to fraud. The lack of robust safeguards and protections makes me feel like Im at risk of being taken advantage of as a consumer. Furthermore, the lawsuit against the Consumer Financial Protection Bureau ( CFPB ) raises additional doubts about whether regulatory measures are sufficient to hold financial institutions accountable. Its unsettling to think that such a widely-used service prioritizes expediency over security, leaving individuals like me with little recourse if something goes wrong. I feel hesitant to trust a platform that seems to expose consumers to unnecessary risks without adequate protections in place.