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

I went to BB & T Bank on XX/XX/2018 to cash a check payable from a BB & T business customer checking account. The manager said they didn't have enough cash to cover the check amount and offered a small partial payment of cash and a cashier 's check for the remaining balance which was the majority of the amount of the check. The manager did not offer to aquire the cash needed to pay the check from BB & T. The manager did not offer to set up an appointment for me to receive payment for the check. I was also offered the option to open an account at BB & T but I was informed I would be charged {$50.00} if I withdrew the funds and closed the account within 90 days. I have a check on a BB & T account in good standing and yet BB & T did not offer to aquire the funds to pay it. I have a piece of paper with numbers on it and BB & T has my money.
Product: Mortgage

This is a qualified written request in regards to the follow up for resolution on CFPB Case number : XXXX spoke to Nationstar representative XXXX at ( XXXX ) XXXX as a follow up to CFPB Case number : XXXX and she advised that the current late charges on the account would not prevent my eligibility on the " Enhanced Pay -For - Success '' program. 
Please have Nationstar confirm on what exact date the {$5000.00} principle reduction, as part of the " Enhanced Pay -For - Success '' program, will post to Mortgage Loan Account XXXX? I have confirmation from Nationstar 's records of my required payment for XXXX/XXXX/15, posting to the account on XXXX/XXXX/15. Please have them expedite this principle posting and provide me the specific date, no later then XXXX XXXX, 2015, of the posting. 
Nationstar completed a horrendous miscalculation of escrow analysis amount in the statement dated XXXX/XXXX/2015 ( attached ), where they increased my payment from {$1700.00} to {$2200.00}, starting XXXX 2015, and then tried to cover it up with a new escrow analysis, out of the blue, dated XXXX/XXXX/2015 ( attached ), which reduced the payment, starting XXXX/XXXX/2015, to {$2000.00}. Nationstar has removed all record of the XXXX/XXXX/2015 escrow analysis from the online statements that I have access to. 
Please have Nationstar clarify the following : Why did they increase the payment for these two months? Was Nationstar trying to cause me to go delinquent by increasing the required payment {$470.00} for the two months so they would not have to apply the " Enhanced Pay -For - Success '' program? I specifically need root cause and time line of the error in calculation, when the error was discovered, and when Nationstar recalculated the escrow analysis. In addition, why did Nationstar required higher payment in XXXX and XXXX of 2015 and then send out the notification in XXXX about the recalculation with a new effective payment of {$2000.00} on XXXX/XXXX/15, the month after the 6-year anniversary payment was due. At the least, they seem to have known that there was an issue back in XXXX. Why would n't the XXXX 2015 payment have been reduced to the {$2000.00} after they found an escrow calculation mistake.
Product: Money transfer, virtual currency, or money service

Hello, I would like to raise a complaint about the XXXX XXXX XXXX coinlist.co. I had around XXXX units of a XXXX  called $ XXXX that I wish to withdraw. 

On XX/XX/2024 I submitted the request and it went immediately into a pending state and the balance of coins was removed from the wallet. No transaction ID was given and after 5 days the transfer has yet to occur. The transaction is still listed as pending on my account today XX/XX/XXXX. 

I have submitted support tickets and attempted to use the chat bot feature within the site and have had no response or acknowledgement. I have also tried to post on the sites X account.
Product: Payday loan, title loan, or personal loan

sent a email to landing club for they hold times on phone go on and on, i have been on hold total 6 hours in one week  .understand volume is high but this is ridiculous. sent a directive to cease auto debit .to date they refused to comply and have to tried to debit my checking, i have sent numerous email without a fix, also looking for deferment they offered online yesterday but has since dissapeared .when you call they refer you to the website but i cant complete deferment there now where yesterday it was offered
Product: Student loan

I have XXXX direct student loans with MOHELA for a current total of USD {$XXXX} with interest rates ranging from XXXX %. My income has decreased considerably since the pandemic and moving abroad from around $ XXXX to just over $ XXXX, so I have been trying since XX/XX/2024 to have my monthly payment reduced from {$XXXX} a month to something more realistic with my current income. After receiving no updates from MOHELA for over XXXX  months, I was finally told on XX/XX/2024, that my account was being put in forbearance until my requested change in plan could be addressed. I was told in writing " While you are in this forbearance no payment is required on your account and your interest rate will be set to XXXX XXXX. This means no interest will accrue while you are in the forbearance. ", and I have the document stating this. I was also told " We will notify you before the forbearance comes to an end. We do not currently have a time estimate. We will then send you your next monthly billing statement at least 21 days before your next monthly payment is due. '' Today ( XX/XX/2024 ), with no warning, I received a message stating " Although no payments are due at this time, interest continues to accrue on your loan ( XXXX ) during the forbearance period. You have the option to pay the interest during forbearance. '' and claiming that I now owe a total of {$XXXX}. Whenever I try to contact them by email, they tell me to call, but I live in XXXX and don't have a XXXX phone number, and their international contact number is either not in service or not permitted by my service provider because my calls are always rejected. I don't understand how I can be expected to accept this from my loan service provider. My loans being in forbearance is a direct result of my loan provider being unable to provide support in a timely manner, and I refuse to pay for their incompetence.
Product: Debt collection

Debt name is XXXX XXXX  XXXX thats what appears on my credit report the name with no account number and is inaccurate
Product: Debt collection

I notified the company that the party responsible was deceased. Provided them with the date of death. They apologized for my lost, and told me they'll remove my information from the contact list, no strings attached. Now, I was just notified years later that they sold my information to another company. Whom are now starting to harassing me now for a matter that was suppose to be resolved.
Product: Debt collection

i was contacted by the debt collectors several times, each time i told them this was not my debt, even though i share the same name, they have the wrong guy. they assured me that if it was not reflecting on my credit, that it was not attached to me and that it wasnt a problem. yesterday my work informed me that they received a court order to start garnishing my wages. the debt collector somehow pushed this through court, without having my social security number or date of birth, and now my work is saying they have to enforce it. I need to prove that this debt is not mine asap. please any help or advise would be greatly appreciated. thank you.
Product: Debt collection

I had a delinquent account through XXXX XXXX XXXX XXXX. A collector called me over the XXXX yr collection time. Since I am working on my credit, we agreed on half the cost, {$1700.00} plus. I have record of payment complete. This was in XXXX or XXXX. On XXXX XXXX, I get a letter from First National Collection Bureau stating I owe {$3900.00}. However, this is an account number for a XXXX XXXX XXXX XXXX XXXX with my XXXX total. Furthermore, they used a name that I stopped using after my divorce from my first wife, nor have I ever owned a XXXX XXXX. I believe these practices are fraudulent. The letter states I have XXXX days to respond or I automatically assume responsibility. I have paid my debt, and I have good credit.
Product: Money transfer, virtual currency, or money service

am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Consumer Loan

In XX/XX/XXXX I purchased a TV on contract from USA Discounters, I was laid off a few weeks later. I was unable to meet the agreement and defaulted. USA Discounters began to harass me thru phone, email, and third party contact. I mailed a cease and desist letter in XX/XX/XXXX as well emailed and verbally informed then of the XXXX XXXX XXXX. Then then Sued me in XXXX a state that I have never lived in nor been to. For the last 5 years now they continue to harass me, friends and family in a attempt to have me pay for the loan. Today XX/XX/XXXX XXXX XXXX with USA Discounters / USA Living. called a third party friend to reach me, also back in XX/XX/XXXX they called the same third party and openly discussed the account with him. I called today XX/XX/XXXX USA Living to discusss why they continue to not fallow the XXXX XXXX XXXX order, I spoke to XXXX XXXX. He claimed there was no XXXX & XXXX on file but did acknowledge the emailed XXXX & XXXX as well as the verbal XXXX & XXXX back from XX/XX/XXXX as well as USA Discounters releasing private account information to the same third arty they called in XX/XX/XXXX he said it on in the notes in the file. I again claims that they will not call me or any third parties again, but I have been told that over XXXX times and it continues to happen.
Product: Mortgage

CARRINGTON MORTGAGE IS ATTEMPTING TO FORECLOSURE ON MY HOME WITH FRAUDULENT ASSIGNMENTS THAT HAVE BEEN ROBO SIGNED BY WELL KNOWN ROBO SIGNER INCLUDING ASSIGNMENT SIGNED BY XXXX XXXX AND XXXX XXXX XXXX BOTH ARE WELL KNOWN ROBO SIGNERS. ALSO ATTY SIGNED AS ATTORNEY IN FACT IN 2010. THE LOAN CONVEYED AND TRANSFERRED AFTER THE CUT OFF DATE OF XXXX MORTGAGE LOAN TRUST OF XXXX SAVING FILE WITH THE UNITED STATES XXXX EXCHANGED AND IN SECTION OF THE POOLING AND SERVICING AGREEMENT. THE ARE USING THESE FRAUDULENT DOCUMENTS TO FORECLOSE ON MY PROPERTY. THE HAVE NOT RESPONDED TO MY REQUESTED GAP ACCOUNTING, NOR HAVE THEY RESPONDED TO THE XXXX .I ALSO SENT NOTICE OF ERROR A DEFAULT ON THE XXXX NONE OF THE DOCUMENTS HAVE BEEN ADDRESSED. 

THE ARE ALSO ARE GUILTY OF DUAL TRACKING WHILE IN THE PROCEED OF SPEAKING WITH MW ABOUT A LOAN MOD THEY SENT MY LOAN TO THEIR FORECLOSURE ATTY ALDRIDGES PITE TO PROCESS MY LOAN FOR XXXX FORECLOSURE SALE
Product: Checking or savings account

Affirmative Complaint Against HSBC FOR FRAUDULENT DECHIEVING BUSINESS CONDUCTS- LURING PEOPLE TO OPEN BANK ACCOUNTS FOR THEIR OWN BENEFITS On or before XX/XX/XXXX, we noticed the HSBC bank promotional web advertising Little step, big money with up to {$600.00} Cash Bonus. 
On or about XX/XX/XXXX, we opened the bank account through their promotional website link. 
On or about XX/XX/XXXX, at XXXX XXXX, we called the HSBC bank at XXXX and talked to one of their customer service representatives, XXXX, double checking this account opening promotion. He said to meet any one of the accounts opening qualifying conditions : 1. Balance of {$75000.00} in combined U.S. consumer and qualifying commercial U.S. Dollar deposit2. Monthly recurring direct deposits ( see attached their printed letter page 2 ) and after eight weeks, which is around XXXX of XXXX. 
On or about XX/XX/XXXX, seeing no bonus funds, we made a few calls, talking to XXXX and other customer representatives, and were informed that we needed to wait six months plus eight weeks to receive the funds. It means that they will hold our money till XX/XX/XXXX. Not knowing all these requirements, we had to wait till then. 
On XX/XX/XXXX, at XXXX XXXX, again not seeing anything, we called and talked to XXXX and XXXX. They told us that they would talk to their back office and investigate this matter and called us back. 
On XX/XX/XXXX, not receiving any calls from them, we called at XXXX XXXX. We talked to a lady, XXXX, and were connected to XXXX. They said this issue had been resolved and we would see the bonus in a few days. 
On XX/XX/XXXX, at XXXX XXXX, still not seeing anything, we called and talked to a person named XXXX. He promised to check and call us back. 
On XX/XX/XXXX, received no call from them, we called and talked to Ms . He at XXXX XXXX. She said she would talk to the people in the back. We gave her what we had got from their rep. XXXX. She said XXXX was no longer working there. 
On XX/XX/XXXX, we called again and talked to a persona named XXXX. She denied all and said we must do direct deposits to be qualified. 
We want to file this complaint and believe that it is serious fraud and deceit.
Product: Credit card or prepaid card

I have been attempting to use my Express store credit card issued by Comenity Bank for several months now, both in-store and online. Each time the card is declined. I have called Comenity Bank many times. The first time, I was told that the card needed to be replaced because it used 9 digits as the card number and they were replacing the card and account with a 12 digit number and a new card would be sent to me. After several weeks and not receiving a card, a called again and was told that there was a glitch in the system and the card was not sent but they would be sending it out that day. After several more weeks without receiving a new card, I called again. This time I was told that the account was restricted. I was transferred several times. Finally, I was told that the only note on my account was to contact the credit bureaus with no other details. I contacted all three major bureaus via phone. Two of them had no idea what I was talking about. The third one said it looked like a different Comenity Bank card had an error as it said my balance was {$10000.00} more than the limit which shouldn't be possible. I filed a dispute. Several weeks later the company verified that it was an error ( there was no balance ). Again, this was a completely different account. Once I verified that it was corrected on the credit report, I called Comenity Bank again, again having to re-explain everything. I was told that no manger was available but that the account was still restricted with no notes as to why in their system. I have called 2 more time since then and each time I am told that there is no manager available or that the correct department is at lunch, and to call back after another 3 business days. I have now called more than a dozen times and am still no closer to getting a working card or account, or getting an explanation as to why my card/account number will not work. I have verified that the account is in good standing and that there is no balance both on the Express Comenity Bank website and on my credit reports. I have been told that I can not close the account because it is frozen due to the restriction and that I can not open a new account because I already have one open.
Product: Credit card or prepaid card

XXXX thought it was my bank and gave XXXX info acct #, exp date, sec code #. XXXX account was frozen until info was submitted. Then I realized later it was not my bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Spoke about credit options but didnt authorize credit pull at dealership!
Product: Debt collection

I called to settle the account out, the collector offered me a settlement around 2700.  He put his manager on the phone who then offered a higher settlement because I was n't willing to pay within the next 3 weeks. I was offering the settlement byXX/XX/XXXX He told me that I was going to be a noted as a refuse to pay. I tried to explain to him that I was willing to pay the XXXX that was offered by XX/XX/XXXX. I then requested a settlement offer in the mail, he then told me no and that the company already sent me mail regarding this. He then told me if I was n't willing to pay inXX/XX/XXXXI 'm a refuse to pay. I told him I 'm willing to settle in XX/XX/XXXXand I would call back.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX
Product: Debt collection

I received an alert from XXXX and XXXX about a new collection on my credit report from Consumer Adjustment Company for the amount of {$4200.00} on XX/XX/2023. 

This is a collection for a debt that I do not have nor does it appear on any of my credit reports. I have no idea who Consumer Adjustment Company is or what they are claiming I owe money for. I have not been contacted by them or anyone claiming I owe over {$4000.00}. All my debts are paid and up to date and my credit report confirms this. That was until this company posted a collection on my credit reports and dropped my score by XXXX points overnight. 

I haven't received any phone calls, which I do not want to receive, nor am I giving anyone permission to call me. 

I haven't received anything in writing, which is the only way someone should contact me. What is this debt and where is the proof of it or the attempt to collect it before putting it on my credit report? It doesn't exist, and this company has the wrong person. 

I haven't received notification of this debt, a notification of a right to dispute this debt, or proof of this debt. 

I want this slander removed from credit report immediately.
Product: Debt collection

I contacted this company on XX/XX/XXXX for a written validation letter of debt. I gave the company 30 days to respond. I have not received any updates
Product: Checking or savings account

At XXXX XXXX  I received XXXX emails from Citi Bank, I do not have accounts with them. XXXX of the emails acknowledge the opening of a checking and savings account. 
XXXX email contained the user ID used for login. 
I tried to contact Citi Bank but can not get through as I do not have the account number or other verification information, I could not use my SSN to access it either
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASK TO HAVE THESE ACCOUNTS REMOVE BECAUSE I NEVER APPLIED FOR THEM.
Product: Credit card or prepaid card

I open a chime account its been more than a year that I had it and now they are requesting proof of identity proof of address i submitted its been 2 months since they closed my account I cant access the app nothing. I just want to close my account and my money return. I did file a a complain thru XXXX XXXX and would keep on fighting and calling them til my money is return.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX They say that I XXXX XXXX Received a credit loan on XX/XX/2021 in the amount of {$830.00} dollars, the original creditor is XXXX XXXX XXXX XXXX. I never applied for this loan, nor have I ever receive any funds from that company. This account was fraudulently opened. XXXX XXXX XXXX has applied this account onto my credit report on XXXX and TransUnion. I tried to get this removed from both credit agency and they noted it as effective or correct and they refused to remove this fraudulent account from my credit record.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, 2017 I went into Best Buy and asked an employee about financing a product. He told me that he would need my ID to see if I would qualify and explicitly stated that this would not cause any sort of hard inquiry on my credit report. Now I 've checked my report recently and I see an inquiry from CBNA/BBY - " Citibank North America/Best Buy ''. I would like to have the inquiry removed as I only consented to seeing if I would be approved under the conditions that the employee told me - that I would not see a hard credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I refuse to pay the alleged obligations on my credit file because I have not signed a binding contract with the persons listed below. secondly if there is a contact binding me to any person listed below the signature is fraud and was not signed with my own hand. thirdly the persons listed below is reporting unverified information on my credit file with extortionate intentions to blackmail me into paying a alleged debt not owed to them there conduct is a violation of 18 U.S.C 894. Lastly i never gave the persons listed below written permission to use my personal information. the use of my personal identifying information was obtained by Aggravated Identity theft wherefore there conduct is a violation of 18 U.S.C 1028A. 
If this credit reporting agency continue to report these accounts you admit to be conspiring to the crime committed by the persons listed below. FTC identity theft affidavit enclosed. 


XXXX XXXX XXXX XXXX {$190.00} XXXX XXXX Closed 13potentially negative monthsAccount Info Account number XXXX XXXX XXXX XXXX negative monthsAccount InfoAccount XXXX
Product: Credit card or prepaid card

Last year I made a complaint against Synchrony Bank regarding my Lowe 's Card. 2 days after that complaint was resolved they drastically decreased my credit limit citing my credit score,  which was inaccurate, and the fact I didn't have any real estate loans as the reason why. Since then Synchrony has continued to drastically decrease the limits of all the cards I have with them for various unfounded reasons. The latest was my QVC card three days after I made an easy pay purchase. This caused all of my QVC purchases to bounce back. I was denied the increase back to the original limit. All of this is completely a revenge tactic for filing a complaint against them. I have only two charge offs on my account and those are currently from same company and are in dispute because the items were covered by insurance and I owe nothing. There's no other reasons they would lower my limits and none of my other credit cards from other companies have been lowered without my request.
Product: Debt collection

I brought a used XXXX XXXX from Gateway the dealer offered a pay XXXX  years and move up to better vehicle, transmission replaced XXXX  XXXX loss job paying for rides.attemptrd to give car back dealer wouldn't accept. Sued in Municipal court, settled out of distress, Gateway harassed me after XXXX pmts, now garnishing wages.filed XXXX Discrimination against Gateway with XXXX civil rights commission, withdrew charg