23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

As stated in my previous complaint, Truist assumed our mortgage from BB & T. Truist did not correctly apply a past payment of {$1500.00} to the monthly payment due but instead applied that full amount to principal. I discovered this mistake when Truist showed a monthly mortgage payment due ( XX/XX/2022 ) that was not due until XX/XX/2022. I repeatedly attempted to contact Truist to correct their error but they would not respond or return calls until I filed a CFPB complaint. After the complaint I received correspondence from XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX ] stating they had corrected the error and our next mortgage payment was not due until XX/XX/2022. She attached a " Mortgage account statement '' with her letter but unfortunately the bottom portion of the statement ( legal paper size document ) was not copied because she sent a letter size copy which cut off the " coupon '' portion of the statement. I reviewed this statement and discovered almost all of the {$1500.00} payment they supposedly corrected to be a mortgage payment was applied to interest. The mortgage payment due was {$1300.00} of which approximately half should have been principal and half interest ( {$670.00} principal, {$680.00} interest ). I had submitted a payment of {$1500.00} of which at least {$140.00} was to be ADDITIONAL principal, not interest. Truist 's statement dated XX/XX/2022 shows {$1400.00} applied to interest and only {$89.00} applied to principal! On XX/XX/2022 I called the " XXXX XXXX '' telephone number provided in XXXX 's letter and spoke to " XXXX ''. She acknowledged the application of {$1500.00} payment did not appear to be correct. She said she would look into it and call me back. Once again, I have heard nothing from Truist with an acknowledgement, explanation or correction of the error. Apparently filing a CFPB complaint is the only way to get their attention. I wish to file this complaint.
Product: Mortgage

My name is   XXXX   XXXX   XXXX   a Private Banker and I have a mortgage with  Wells Fargo Home mortgage . I sent a certified Bank Note for Payoff which is a security instrument to pay off my loan the bank has accepted my security instrument because it was never sent back to me. but i get a form letter back with a bunch of paid statements and a copy of a deed of trust to validate the debt. I was very specific on what i needed the Bank to do.   also the security instrument was set up correctly according to  (   UNCITRAL convention )  and  U.S. B anking laws I do have deep concerns, what can be done about this.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


These are the accounts I list as inaccurate XXXX XXXX XXXX for {$860.00} XXXX XXXX XXXX XXXX {$750.00}
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning, but I am still seeing some inaccurate accounts on my credit report. I don't have any idea why these accounts are on my credit report, so please check the documents I've sent.
Product: Checking or savings account

I was looking at my bank statements and I saw on XX/XX/XXXX I had an unauthorized charge of {$1000.00} taken from my checking account on XXXX. I called chase which is my bank to dispute the transaction and they told me they couldnt do anything and to call XXXX so I then called XXXX and they told me I had to call my bank.
Product: Mortgage

Capstone has refinance my present mortgage with XXXX, I have several complaints with your office regarding XXXX. XXXX was the Servicers XXXX ( see attached complaint number ) So I ask Capstone to change Servicers and Capstone denied my request., sencodly Capstone payoff XXXX XXXX complaints will be file today ) but the lien is still showing owed with the XXXX XXXX ''. I believe was planned. So Capstone or XXXX because they refuse to XXXX in making XXXX correct issue with money owe to borrower ( myself ) late fee that never happening and now loads lien to still existing with XXXX COUNTY '' Capstone or XXXX do n't care to assist in any thing the XXXX does. XXXX Capstone still has n't given borrower the signed close documents for this loan for XXXX and XXXX was payoff to XXXX
Product: Money transfer, virtual currency, or money service

Trying to send money via XXXX to our son who lives in another state. Have done this for years with PNC and now I can not do it.
Product: Bank account or service

This is the XXXX time I am complaining to you about the unfair banking practices of Wells Fargo in relation to their checking accounts. I accessed my bank account online and Wells Fargo showed a posted balance of {$190.00}. The asterisk clearly states the posted balance includes transactions that are pending, thus leading the customer to believe the posted balance is the remaining balance minus the pending transactions. So, over the weekend I purchased XXXX product for {$12.00} and then another product for {$5.00}, which are new transactions totaling {$17.00}. The new transactions totaling {$17.00} should well be covered by the posted balance of {$190.00}, right? No, I was charged XXXX XXXX overdraft fees for a total of {$100.00} to cover the {$12.00}, {$5.00} and another recurring {$4.00} transaction. The posted balance is a false balance and leads the consumer to think he or she has more money in the account than he or she actually does, So what happens? The consumer purchases something within the posted balance and creates overdrafts on multiple items, which is profit for the bank. ( I do n't think it costs the bank {$35.00} to " cover '' a {$12.00} or {$5.00} purchase ) Either the bank 's assertion that the posted balance includes posted AND pending transactions is purposely misleading or the posted balances are miscalculated. In either scenario, the consumer is primed for overdraft fees. This practice must stop and I am asking your Bureau to investigate and ensure personal checking balances are accurate within the industry. Personally, I believe I should not have paid overdraft fees since I acted on the posted balance as stated by Wells Fargo and I am seeking reimbursement.
Product: Bank account or service

I recently opened a checking account with Simple which is a XXXX Compass bank. They advertise online frequently. After opening my account I made a few initial deposits with no problem and then I transferred {$3000.00} to the account. Simple immediately froze my account and asked for verification. After sending in over XXXX documents and waiting almost 3 weeks they closed my account and told me they would send me a check for the amount in my account. Today I recieved a check for {$110.00} and I do n't know where the other {$3000.00} is. Support blocked my number from calling them and they will not answer me through email or message.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I tried to get my credit report from XXXX, I am able to get my credit report from XXXX and XXXX after verifying my identity. 
Equifax comes up with a system errors. I have tried couple of different days, assuming that they are having system issues, but I get the error page every time.
Product: Debt collection

Radius Global Solutions, sent a money in the amount of {$35.00} paid in full and this company is still causing financial Deteriment to myself and My family, I stat before, I did not use this account and it was fraud and this company will not remove this informarion from my credit report. I am XXXX  and I suffer with XXXX and explain during this time I was XXXX XXXX and I suffer from XXXX not XXXX, XXXX and I still sent them the {$35.00} for this account.
Product: Vehicle loan or lease

I Purchased A XXXX SUV Through ( XXXX XXXX ) XXXX NJ during the time of purchase he original tuck price was XXXX and they had me at a 22.99 % percent interest rate which had went up to 35 % which left me paying XXXX by the end of my loan terms I had the truck for 4 yrs since XX/XX/XXXX during a pandemic when from my understanding late fees was haulted and illegal until further notice. My SUV recently got repossessed by the ( Credit acceptance ) which is the company lenders, Also As I went to recover my vehicle they informed to make full payment on remaining balance, which the very first time I called they said XXXX was due to recover it and than when I said I was coming it changed to I had to pay the remainder of the balance which was XXXX when I go to my consumer report it says XXXX which is misleading on my consumer report and also they said I only had 30 days to pick it up before it was sold than said 60 days and the vehicle remains unsold and stilI reporting and damaging my consumer report would like these company investigated and would like these charges removed from any of my personal consumer report and will continue to take legal action.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the items listed below which still appear on my credit report, even after your XXXX. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XX/XX/XXXX ; Experian XXXX XXXX XXXX XX/XX/XXXX XXXX Experian XXXX XXXX XXXX XX/XX/XXXX : Experian XXXX XXXX XX/XX/XXXX : Experian XXXX XXXX XXXX XX/XX/XXXX : Experian XXXX XXXX XXXX XX/XX/XXXX XXXX Experian The XXXX XXXX were not authorized and should not be reporting.
Product: Debt collection

I have received multiple, harassing calls over several months from Midland Credit Management which come several times per week and often multiple times per day. The calls always come from a different number so as not to disclose who is calling. Most recently, they contacted my wife via her personal mobile number. I am tired of their harassment. The first call I received, the caller identified himself only by name and asked me to verify several pieces of personal information l, which I refused to do. I was then threatened with legal action if I did not comply. They also employ deceptive practices by having one person call, say your name and when you answer in the affirmative you are immediately transferred to another person. I have no personal business with them as they repeatedly claim and I am tired of their threats of legal action and other harassing tactics.
Product: Credit card or prepaid card

So I've been in the jewelry and watch business  for the last 9 years, and take a large amount of business via cash transactions, I had a account with chase and they closed my account for doing what the account was intended to do deposit cash, i also paid myself in cash and they closed my personal account ... Depositing legal tender " cash, '' into a bank account is the intended purpose yet the choose to close my account last year. This year and most recently i opened a marriott XXXX credit card and always paid my bill by bank debit, all was fine they charged me a annual fee i paid, paid the bill in full every month. Tonight i logged in after my card was declined on a business trip and it said account closed, I called them and asked why I was told it was a business decision. I asked at the least for a refund of the annual fee... its for 1 year... .and was told they would not refund the fee. In america banks should be obligated to accept us dollar deposits in any amounts, and if your going to close a account should obligate you to credit back the annual fee you charged your customer.
Product: Credit reporting, credit repair services, 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXXXXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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.
Product: Debt collection

It 's been well over a year now, and I 'm still battling with Merchants  & Professional  remove a fraudulent medical account. After reading their website, the FTC internet site, and justice departments website I gained the instructions to fix your credit when identity theft happens. All required documents have been submitted, and these companies wo n't comply with the FACTA and I 'm suffering the consequences of this identity theft.
Product: Mortgage

The property located at XXXX XXXX XXXX XXXX XXXX Fla.XXXX, is our primary residence, it 's owned jointly, severally and liable to me and my wife. Due to health issues my wife was forced into an early retirement. I 'm solely responsible for the Debt Services, property taxes and insurances which are current and paid on a timely basis. HSBC Mortgage Services has an issue of me not being a signer on the note.Therefore, they 're unable to conduct a research of the account. All borrowers who are named in the security instrument must sign the note. A person whose income is not used in qualifying for the mortgage, but who does have an ownership in the property must be named and sign the security instrument, but is not required to sign the note.Further, a person who is a guarantor and who has an ownership interest in the property must sign both the note and the security instrument. As owners of this property we are requesting HSBC Mortgage Services please provide us with Documents, addressed to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Fla.XXXX ( to be ) signed and dated with authorization allowing account information to XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few accounts that are showing me XXXX days late and at the time my income was affected by the XXXX shut down. I am aware that the CARESACTwas allowing for consumer protection under the CARES act with creditors offering accommodations. I have on my XXXX XXXX # XXXX date XXXX, XXXX are showing late pays I have since paid my account off in full and I would like my account to reflect the current status to help protect the integrity of my credit profile.
Product: Credit reporting

I disputed incorrect information regarding a bankruptcy on my credit report. I filed a dispute in XXXX, and received a debt verification letter from Experian. I think wrote a letter to Experian on XXXX XXXX, asking for Method of Verification, XXXX XXXX, I received a generic response stating that the dispute would not be re investigated. I wrote another letter on XXXX XXXX, requesting a method of verification once again. On XXXX XXXX i received my credit report, with no method of verification. On XXXX XXXX, I called customer service and asked for the method of verification. The customer service rep said that Experian directly contacted the Courthouse and received documentation verifying the debt. I then asked why that was not included, and if they could provide the documentation from the Courthouse to me. He said they could not, because they have no documentation of verification. I asked him that since this could not be verified can you please delete the tradeline. He said they were not under the obligation to delete it since the courthouse clerk verified the records for them. I called him out on this, because i know that the clerk wont release any records to the CRA, because I asked this when I called them. It was now XXXX and he stated he would try to get me to a supervisor to get this taken care of. I was on hold until the clock hit XXXX, and he came back and said one minute, then hung up on me. This is a violation of the law, and illegal. They are reporting information, they admittedly said they did not verify. I would like to resolve this here, before I contact an attorney.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  was correctly reporting a 30 day late for XX/XX/XXXX from Wells Fargo and today they changed it to XX/XX/XXXX. This is incorrect. They need remove the late for XX/XX/XXXX and instead change it to XX/XX/XXXX. Attached is what Wells Fargo sent recently!
Product: Debt collection

Regarding a XXXX installation. XXXX installed internet and TV service under a30 day trial. The service did not function correctly repeatedly. Within the 30 day trial period, I told them to remove it. They did so but charged my account {$130.00} but never sent a bill that I received. They turned this over to Credit Management , LP. to collect. Credit Management would not accept the XXXX reference number ( XXXX/XXXX/2015 ) saying it was rectified. My XXXX score, I just learned last week, is now low XXXX 's down from over a consistent XXXX. I had called XXXX to rectify on : XXXX/XXXX/2015 XXXX # XXXX ( talked to XXXX in XXXX XXXX XXXX said she would fix it and someone would call back to confirm. They never did. 
XXXX/XXXX/2015 talked to XXXX Billing Dept?? Ticket # XXXX said I would receive a letter confirming the correction and XXXX fix on priority basis. As of XXXX/XXXX/2015 no letter was received. 
XXXX/XXXX/2015 I explained XXXX last time the issue but I am certain the gal on the phone was not understanding the issue. I requested to be contacted by a supervisor and let them know this is my LAST call to XXXX. I have no confidence I will hear from XXXX. 
I applied for a home mortgage last week to find my damaged credit score and now have to accept a higher rate 4.75 % due to this. This will cost me XXXX dollars. 
I request XXXX be fined and pay me damages of {$100000.00}. 
I have the notes from each call on file. I also want them to fix my XXXX score and I ask that Credit Management be fined and pay me damages for predatory practices.
Product: Credit reporting or other personal consumer reports

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  ) These companies have denied me resolutions and I have chosen to put it on my credit to do damage. I have offered resolutions, and none have been accepted. I was charged for phones I never did receive and service I never used. I was also charged for phones in my father 's name, and he has since passed away during that time and I notified them of this horrible experience.
Product: Checking or savings account

Complaint # 1 : On XX/XX/19 I pulled up to a Suntrust Branch Drive Thru and inserted my Suntrust Business ATM Card, I entered my Pin # and proceeded to prepare to make a cash deposit to my account. After physically depositing the cash into the ATM, and hearing the ATM count and scan my cash it asked me which account I would like to deposit this to and I hit the button for my main Business Checking account, the machine began to count my money again and then I received a message that my transaction could not be completed at this time and that the ATM would NOT be returning my deposited cash. I proceeded to call customer service, and of course they were closed. I called first thing in the morning and was not offered any solutions at all, and I was told I would have to wait several weeks for this to be resolved. I was further told that my account would be monitored and that if any checks were presented to Suntrust for payment that they would be PAID while I was awaiting credit for my cash deposit Additionally 3 checks have been returned as NOT PAID AND OVERDRAWN, this is crazy ST would do this ... and now they are refusing to charge me the > {$100.00} overdraft fees that they charged me as well as the over {$300.00} in fees that I am being charged by the party that I gave these checks to. 


Complaint # 2 : On XX/XX/19 I went into a Suntrust branch and informed the teller that I would like too cash a check that was drawn on Suntrust and would then like to deposit the cash into my business account. I do this every single month. So from a {$7200.00} check, I presented 2 forms of ID and signed the back of the check and requested {$250.00} in cash back to me and then completed a deposit ticket to deposit {$7000.00} in cash to my business checking account. I received a receipt that shows that I made a deposit for {$7000.00}. I then proceeded to give my employees their payroll checks, and then when checking my bank account online I noticed that my deposit did not post to my account. I have been on the phone with Suntrust Business Customer Service for over 3 hours and they are refusing to escalate this call to management and have told me that I have to wait for the check to clear. This is crazy as this is my $ and my deposit and I do not have access to my funds, and there is nothing that they can do for me. So now the payroll checks the I have handed out will be most likely be returned as OVERDRAWN.
Product: Student loan

I received a call from Navient requesting payment. I informed them I had not worked all summer and wanted to do a {$50.00} deferment process. The first person told me that if I paid {$50.00} on that day it would bring my account current. So, I did. The very next day I received ANOTHER call requesting that I bring the account current. When I explained to the man he told me " it had not been processed correctly '' and informed me he would take care of it. 
Today, the 3rd day in a row I 've received a call from this company, I was told that the {$50.00} payment ( which CLEARED my bank on XXXX/XXXX/16 and WAS NOT RETURNED ) had been reversed on the XXXX. I checked with my bank and they confirmed it had been paid and was not reversed or returned. 

If there are any late fees due to the negligence of these last XXXX people, I am requesting they be either waved or dismissed considering that I DID PAY TO BRING MY ACCOUNT CURRENT.