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

I have been in the process of getting full custody of my daughter since XX/XX/2022. I sent an attorney that I was refered to {$450.00} on XX/XX/2022. With that payment he was suppose to be filing paper work and getting my case started per his email with all the details of what he would be doing. I waited to hear back from him with a update of some sort. I emailed him on XX/XX/2022 asking what the status was, he then reattached the plan of action which stated I had to pay him 2 weeks prior to a court date. Also it was noted in the paperwork that emailing, texting or calling with questions would come with a charge. So I tried to keep minimal contact until he would reach out to me. After he sent me the email with the attached plan of action my wife and I sent the {$600.00} on XX/XX/2022 so that we could ensure he would finish with the case, after that I did not hear from him. I waited a month and on XX/XX/2022 I emailed again asking what is going on and I just needed an update about the case considering we have now sent {$1000.00}. After some time of not hearing from him. We contacted wellsgargo and started a claim they stated we could not file a claim on the {$600.00} due to it coming from our account and not through a debit card. They started a claim for the {$450.00} and asked for proof and documents about what the attourney was suppose to do. We sent everything. WF sent us XXXX credit while thye investoigated Months later wellsfargo stated they could not do anything due to us waiting too long to start a claim. And stated they spoke to the attourney and he did do that work. I asked if they had proof which they said no. Wellsfargo has not kept our money safe and continued to allow charges to come through even after our account was in the negative due to this while claims process. Since then we have removed all our money from WF and our account is still in negative due to charges they have charged us. I will never bank with them every again. I dont care about anything other than closing that account and just them clearing us out of the negative. I dont want a thing from them. They are horrible. Also VA sent me school money for books and supplies and due to my account being in the negative because they took that XXXX credit back after I had taken all my money out of WF. I contacted WF and asked them to send the money for books back to VA so that they could send it to my new bank they refused. VA told me that WF had that ability to send it back but they refused and also sobody named XXXX ( WF customer service ) told me not to call back again asking the same questions, that it was a waste of his time and mine. I have never dealth with a more terrible bank or customer service in my life. So not only am I out all the money from this attourney but WF will not send my money for school back to the VA. HORRIBLE COMPANY. This is not how you treat people especially someone who has had an account as long as I have. AND a veteran at that. Disgusting.
Product: Credit reporting

I am filing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 3 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA-they are required to " ... promptly delete all information, which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you. 

Account name : XXXX. Account number : XXXX Account name : XXXX. Account number : XXXX Account name : XXXX. Account number : XXXX Account name : XXXX. Account number:XXXX Account name : XXXX . Account number : XXXX Account name : XXXX. Account number : XXXX Account name : XXXX XXXX XXXX . Account number : XXXX Account name : XXXX XXXX XXXX . Account number : XXXX Account name : XXXX XXXX XXXX. Account number : XXXX Account name : XXXX XXXX. Account number : XXXX Account name : XXXX XXXX. Account number : XXXX Account name : XXXX. Account number : XXXXAccount Account name : XXXX XXXX XXXX. Account number : XXXX Account name : XXXX XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX . Account name : XXXX Account name : XXXX XXXX XXXX. Account number : XXXX Account name : XXXX. Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous Complaint # XXXX, XXXX, XXXX & I am including it again.,
Product: Credit card or prepaid card

I've been dealing with this issue since XX/XX/2023. Trying to get my funds back, since then I was denied and then reconsidered the claim then got separated, three were found in my favor, I then contacted CFPB to assist in making an effort to reason with Bank of America card holder and still no results, I am unsure how these decisions are decided but I am ready to seek legal counsel? To get this issue resolved? I've given them a police report ive gone inside the bank and sent copies of my social security card, ive even given them a name who I thought it could be that has done this to me and still nothing.
Product: Mortgage

XX/XX/XXXX my husband and I started working with Crefco financial located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. XXXX XXXX was our loan officer and originally pre approved us for a Usda loan ... We signed our agreement with the realtor and home owner in XX/XX/XXXX paid for and had appraisal done in XX/XX/XXXX and was told repeatedly we were closing soon ... By XX/XX/XXXX we were told we did n't qualify for Usda loan but we could get Fha loan and close it by XXXX so we started Fha loan and once again had to pay for new appraisal for Fha loan ... This does n't include all the the times we had to update purchase agreement and tons of other paperwork. By XX/XX/XXXX the home owner ( understandably ) was ready to walk so we had to fire Crefco and go with another lender who closed on our home in thirty days ... But no thanks to Crefco because they refused to release the Fha loan number to our new lender which held us up even longer. My main reason for reporting this company is I do n't want anyone else have to go thru the mess and disappointment that my family went thru. They took my dream and absolutely turned it into a nightmare. If you need to contact me please send me an email to ... XXXXXXXXXXXX ... Thank you
Product: Debt collection

I recvd a phone call from XXXX on XX/XX/XXXX regarding my last complaint with med-1 solutions. She informed me that shell speak with the legal dept. to see if we can can get rid of the legal fee that med - 1 solutions were charging then give a call back within 1 day. I never recvd a phone call back until XX/XX/XXXX. I informed her that I can start to make a payment on XX/XX/XXXX. I also recorded the conversation. I made a payment through portal. On XX/XX/XXXX. When I made that payment of {$50.00}, my balance was XXXX - my issue with med -1 solution is the they send me two letters informing me of what debt is owed. On XX/XX/XXXX I recvd a letter saying that I owe XXXX. I recvd another letter on XX/XX/XXXX XXXX. Theyre constantly are changing the balance of what is owed and for me to pay back. I also made a payment on XX/XX/XXXX of {$200.00} which does not reflect on my total balance. I believe that they are giving my mis information and trying to charge more to me without any knowledge of why I am being charged. XXXX went to make a payment on med -1 solution website and the balance on my receipt sent to me on XX/XX/XXXX is XXXX again my balance is not the same nor does it says why theres a increase XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$48000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$8400.00} ; XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

My complaint is against US Direct Express. I had {$600.00} fraudulently withdrawn from my card on XXXX/XXXX/2016. I noticed the unauthorized transactions on XXXX/XXXX/2016 and contacted direct express @ XXXX XXXX XXXX and notified a rep of the situation. The rep canceled my card and sent me a new one and also sent me a fraud packet to fill out explaining the fraud that occurred. After completing and sending back the required forms weeks passed I had n't heard back from direct express. I called to check status of my dispute and a rep told me my case was closed because there was not enough info to determine if fraud had occurred. They never contacted me or notified of anything. I was then sent a letter from XXXX XXXX in fraud dept. days later with a bank statement explaining to me to circle the fraudulent transactions and return to have my case re opened. I returned the required document immediately and once again I have not heard back from direct express concerning my issue.. I 've tried contacting XXXX XXXX, the lady of the fraud department handling my case, and have got nothing but voicemail. I 've left messages that have been unreturned. It is now XX/XX/XXXX and I 've been {$600.00} short for 5 months, struggling to live with the small income I do have. I beg for help as I do n't know what else to do.
Product: Credit card or prepaid card

Citi di d not credit my account with the  XXXX   ThanYou  reward points I was promised for opening a new ThankYou Preferred credit card and meeting  minimum spending requirements back i n 2014.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/year> Experian Dispute Department XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Account Information Request for Verification Dear Experian, I am writing to formally dispute the accuracy and completeness of the following account information listed on my credit report. The details are as follows : Creditor Name : XXXX XXXX XXXX Account Number : Partial Acct # XXXX Verify the following issues with this account for completeness and accuracy : -Balance -Entire payment history -Date of last activity -Date of last payment -High balance -Recent balance -Credit limit or original balance -Status -Actual Amount Paid -Purchase Contract I am requesting that you investigate and verify the accuracy and completeness of this account. If you are unable to verify the information and provide proof to me, of the information verified, according to the FCRA. I respectfully request that the account be Deleted from my credit file under the provisions of the Fair Credit Reporting Act ( FCRA ). 

Please provide me with the results of your investigation and an updated credit report reflecting any changes made to my file. If this account can not be verified, I expect it to be Deleted from my credit report promptly. 

If the account can not be verified in full compliance with the FCRA, I respectfully request that it be Deleted from my credit file immediately. 

Additionally, I request written confirmation of your findings and all actions taken as a result of this dispute within 30 days, as required by the FCRA. 

Please mail your response to my address listed above. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit card

I have always ensured that payments on this account are made on time, never letting them become overdue. However, I'm unsure about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Checking or savings account

On XXXX, I tried to make a payment of XXXX XXXX from my Citi saving account to my personal bank account in XXXX XXXX. I tried to make that payment on Citi 's mobile phone app on my phone and use the instant payment service to do that. I could not successfully submit the payment request and received an error " Access Blocked : For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service and mentioned Error Code MFA. '' So I did make a phone call to them. The first support person from Citibank asked me to try lots of things, including using a web browser instead of the mobile app, lowering the amount to XXXX . I tried four times in total, all leading to the same error message. The support person seemed to not know enough about the issue and how to solve it. I asked to speak to a supervisor, but the supervisor only asked for my name, and without helping solve the issue, they transferred me to another support person. I repeated my issue and the second support person also suggested me try lower the payment amount. Then I tried my fifth time, I tried to set up a payment with XXXX , but still could not proceed. I saw the same " access blocked '' error. I do see on my browser and my mobile app, my daily limit is XXXX . And I told the support person about that number as well. Thus, I don't think the issue is related to the amount, because this is my first payment transaction using the instant payment service which never succeed. I asked the support person how could I use this instant payment service. They don't know. They only suggest me try using a wire transfer which comes with an additional charge or use XXXX to transfer money, which I can not use because I don't have a checking account and only have a saving account. XXXX payment requires a checking account. They are not helpful in solving the issue, not knowledgeable about their services, and they don't want to help me with the problem I have, which is simply to be able to use instant payment, not trying other ways. 

If I want to try other ways, why don't I just put money in a different bank, that has much better customer service?
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XXXX XXXX, XXXX, I contacted Equifax and XXXX in regards to unauthorized inquiries on my credit report. I was advised by both bureaus that I would have to reach out to the reporting creditor and request that they submit the corrections and i could also submit documentation from the creditor validating my complaint. That same day I called XXXX XXXX XXXX  and advised them that the inquiries in question where unauthorized.XXXX did not hesitate to submit a request to the credit bureaus for correction. They also mailed me a letter to confirm they had made the necessary corrections and advised to allow up to 30-60 days or so for the corrections to be updated on the impacted credit report. Upon receiving the letters from XXXX, On, XXXX XXXX, XXXX, I submitted them to Equifax and XXXX for review and correction and I waited. On or around XXXX XXXX, XXXX, I contacted the bureaus again after not receiving any documentation or corrected copies of my dispute. I was advised that no dispute had been submitted from myself or XXXX. I advised that I faxed the information to the number given on the previous call and I included proof from XXXX. After going back and forth, I contacted XXXX again and advised of my conversation with the bureaus and how they advised that no correction had been received. XXXX ensured that they had in fact submitted the correction and assured they would submit it again. Once again they mailed me another letter confirming this process and advised that they would escalate my concern. To date neither bureau has replied. Nor have the corrections been made. This is a direct violation of my rights to have correct/factual information reported. The inquiries are listed below : XXXX XXXX XXXX/XXXX XXXX/XXXX/XXXX ( Equifax ) XXXX XXXX XXXXXXXX XXXX/XXXX/XXXX ( Equifax ) XXXX XXXX XXXX/XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX
Product: Bank account or service

On XX/XX/XXXX/17 TD Bank , N.A . fraud department put an alert on my checking account. On XX/XX/XXXX/17, I was informed the account was open and not closed. On XX/XX/XXXX/17 I transferred monies into the account to pay XXXX ( XXXX XXXX ) rent. T.D. Bank N.A. returned the ACH debit and XXXX filed XXXX XXXX. TD Bank N.A . failed to provide correct/timely information and failed to pay an approved ACH debit.
Product: Student loan

Nearly 60 days ago, on XX/XX/XXXX, my account was removed from administrative forbearance due to borrow defense because of a technical error and no other reason, according to a conversation I had with customer service on XX/XX/XXXX. I was then told that my account would be put back into administrative forbearance within XXXX XXXX XXXX business days. I called throughout XXXX, and now I am into XXXX and my account has never been put back into the requested administrative forbearance ; instead, it remains in repayment. Mohela, will not address my questions or emails and only provides me with responses stating we will address your problem when they are the ones who are responsible and promised to fix their mistake promptly. I have filed complaints with CFPB, my attorney general, and the Department of Education, which are still being investigated because Mohela does not respond and has too many complaints from other customers. My borrow defense is still in processing and the Department of Education has sent them the paperwork at least XXXX times about the forbearance, but they can not honor their word and fix their mistake. That is all I want ; now, they always ask me about repayment and state that it will be reported on my credit report if I do not pay. I was given a processing forbearance, which was removed on XX/XX/XXXX ; I was told it was supposed to remain until this problem was resolved or at least until XX/XX/XXXX ; that word was not honored either. I do not know what to do anymore, only that this loan servicer wants you to pay no matter what and does not follow the processes set by the Department of education, nor do they own their own mistakes. I want some assistance, or at least for them to own their mistakes.
Product: Money transfer, virtual currency, or money service

I transferred money using my Chime account to what I thought to be a landlord renting an apartment I sent XXXX separate payments of {$600.00} each one for a security deposit and a second for the XXXX months rent waited for the person to show up at the apartment to sign the lease and get the keys only to have then not show and then not answer text or phone calls. Reported it to the police and immediately called Chime only for them to tell me, I had to request the individuals return the money and wait XXXX  days after the XXXX  day period when they did not return the money. I called Chime again only to have them rudely tell me that there was nothing they could do about it because they treated it like a cash transaction and that I should have been more careful in whom I send money to in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$260.00}, XXXX XXXX Balance : {$940.00}, XXXX XXXX Balance : {$460.00}, XXXX XXXX Balance : {$540.00}, XXXX XXXX Balance : {$200.00}
Product: Credit reporting or other personal consumer reports

I have included yet another Identity Theft Report made to the FTC. Equifax still has my birthday listed incorrectly which is fraudulent, along with the XXXX XXXX account that has since been removed by Transunion and Experian, yet not removed by XXXX. There is an address being reported to all three credit bureaus which I have never resided. There are a repetitive amount of inquiries reporting to all three bureaus as well which I have no knowledge of. XXXX, still has yet to be remedied, I asked them to validate the debt and they provided me with no wet signature, or any tangible proof that the debt was acquired by me although I have been disputing and complaining about this {$3000.00} charge off account for almost a year now, and nothing has been done about it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Child support enforcement XX/XX/ And all hard inquiries to be removed that I was told would be removed due to fraudulent inquiries that I did not authorize
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX in XXXX XXXX does not show I recently made settlement payment {$290.00} on XX/XX/19. On my XXXX XXXX account with MCM. The MCM   acct # XXXX making payment remarks of charged off/ bad debt were made. There is no payment status date last reported XXXX. 
Contact info on this is XXXX/ XXXX XXXX XXXX XXXX XXXX XXXX. / XXXX Im trying very hard to fix my credit please remove if at all possible. Please update to current