23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2021, I tried to get the balance of my card and I was unable to do so. I called Direct Express, and they told me there was a lock on my account. They couldn't tell me why, they said it was confidential and couldn't tell me why my account was locked. I called Social Security and they told me they sent the money to Direct Express XX/XX/2021, and I needed to talk to Direct Express. I called Direct Express who told me my account was still locked and I needed to send proof of identity- social security card and birth certificate. I called Social Security again, and they told me that they would close that old account, and renroll me, so they would suspend the Direct Express card and then send a new card by XX/XX/2021. I didn't get anything by XX/XX/XXXX, so I called Social Security again, and they said they would send a new card again on XX/XX/2021. I called Direct Express to see if the account had been suspended and a new account created, and they said no. They asked me to update all my information and I did so. On XX/XX/2021, I also faxed Direct Express the documents they requested ( the social security card and birth certificate ). On XX/XX/XXXX, I called and spoke with a XXXX from Direct Express who told me that I had got a confirmation that I was approved by Direct Express for receiving my benefits on XX/XX/2021, but I had never received anything about that confirmation. He then told me to resend all my documents since I got no confirmation and sent this XX/XX/2021. I still have not received any new cards and still have no money on the card I have now. The case number with Direct Express is XXXX. 

I am XXXX and there are extra hurdles and obstacles for me. My mom has had to help me with this process and it is my mom 's email as contact.
Product: Checking or savings account

I woke up on XX/XX/XXXX for work to get gas using my citi bank debit card I then proceeded to work my XXXX hour work shift without me knowing that I lost my debit card. I look a little later in the evening while leaving work that my account had {$1.00} left I started the day with {$500.00} so I should have had {$480.00}. There was to atm transactions done XXXX in the amount of {$20.00} and XXXX in the amount of {$460.00}. I usually receive alerts when my card is used to they sent a text for authorization I didnt receive any alerts. I called citi bank that same evening to let them know I lost my card and all the fraudulent transactions. They canceled my card and then filed a dispute telling me someone would be calling me to follow up and I will receive a provisional credit while they investigate the fraud. I received my new card and waited a few days but no funds were ever returned to me and no phone call with any update. So I just so happen to be chatting with the citi bank support on the app and they inform me where I can see the notice of the dispute. I looked and saw that the amount of the dispute was incorrect as well as the facts of the dispute. The representative asked me while conducting the dispute what were the amounts of the charges I was disputing I confirmed both the atm transactions XXXX in the amount of {$20.00} and XXXX in the amount of {$460.00} XXXX told them I have never given anyone access to my account information, pin, or card I lost my card unknowingly and did not do those transactions and I did not give my card or pin to anyone. On the report it said I had my card in my possession and it didnt include the last transaction of {$20.00} atm withdrawal. I was the one who called and told them I lost my card and what amounts of transactions that werent done by me or with my permission. I also requested a new card be sent. They arent willing to help me and I have no money because of this and am at a loss for words what to do and how to get my funds back. I really would appreciate your help. I also told them I use to receive alerts when every transaction occurs and I never hit any type of notification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carolina Finance has been reporting the incorrect balance since XX/XX/2016. They reported the car was sold at a auction and the new balance is half of what they are reporting. I contacted the office to make them aware and requested a printout in which I received. I also contacted the credit bureaus in which no update was ever made to the account and provided them with the paperwork. This is causing harm when I apply for loans because its showing I owe more than what is owed. I just want the issue resolved. Carolina finance has charged this account off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to list a dismissed bankruptcy as confirmed within my credit file. Although it is Equifax 's policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order for relief ''. In addition, Section 1681c does not specify a minimum period for which a bankruptcy must remain on an individuals credit file. TransUnion has abided by the guidelines set forth by the FCRA and removed the bankruptcy, yet Equifax continues with the erroneous misinterpretation of said guidelines.

Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent.

Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, Equifax must delete this information from my credit report and send me an updated copy when this action is completed.
Product: Credit reporting or other personal consumer reports

I was shocked this morning to see incorrect accounts suddenly appear on my credit report, and I cant understand why. I always check my report, but this time, there were unexpected errors. I thought it might be a glitch, so I refreshed my browser, but nothing changed. The wrong accounts are still there, and Im deeply frustrated. Im requesting that my submitted documents are reviewed thoroughly, so I never have to experience this kind of XXXX  again.
Product: Debt collection

Receiving calls from Oxford Law LLC making a claim that I have a debt of over {$29.00} from a line of credit I opened in XXXX with XXXX Bank. That is over 21 years ago, I remember no such account. In XXXX when this debt was supposedly incurred, I was living in XXXX. In XXXX I moved to XXXX and lived there for 10 years. In XXXX or XXXX I filed for bankruptcy in XXXX Court in XXXX and had my debts resolved. According to Oxford Law, they have been trying to contact me but have been unable to do so for years. Even though I have moved a XXXX of times, I have ALWAYS left forwarding addresses and have had no trouble being contacted by any other businesses. Oxford Law even called my exwife hasselling her to find where I live and how to get ahold of me. I was initially contacted in XXXX by XXXX XXXX XXXX a law clerk at Oxford Law who said she needed to verify my personal information, etc. She did not give an address to reply to or would not state specifically what the debt was for. I did not hear anything more for 2 or 3 weeks. Starting on XXXX/XXXX/XXXX a man called and wanted to verify my information. He did not identify himself, or state who he was working for and kept wanting me to make plans to start paying on the debt or a suit would be filed against me. I told him that I needed information from him such as name and address, company he works for, what his position is and told him that I have the right to question and demand verification of the debt. He said he would email me that information. That was XXXX/XXXX/XXXX and today is XXXX/XXXX/XXXX and I have received nothing email or otherwise. Tonight, on my phone I noticed he had called again but left no message. I attempted to call him back at XXXX and was sent to the company mail box and told to leave a message. When I tried to do so. I was cut off.
Product: Student loan

Hello, Over a XXXX ago, I reached out to XXXX  and XXXX to bring to their attention an issue with the calculation of the average interest rate on my Federal Student Loans. Unfortunately, it seems that my concerns have not been adequately addressed, leaving me without a satisfactory resolution. 

According to XXXX, my interest rate is stated as 5.1 %. However, my loan servicer, XXXX, has calculated my interest rate at 7.080 %, representing a significant difference of XXXX %. This disparity in interest rates can have a profound impact on both my monthly payment amount and the total interest accrued over the XXXX repayment period. 

To provide clarity, I have listed my loans and their respective interest rates below for your review. I am seeking your assistance in finding a resolution to this matter as it has far-reaching implications on my financial obligations and long-term plans. 

Below are the details of the loans : Federal unsubsidized loan : {$5600.00}, interest rate 4.29 % Federal unsubsidized loan : {$2100.00}, interest rate 5.05 % Federal unsubsidized loan : {$4700.00}, interest rate 3.76 % Federal unsubsidized loan : {$20000.00}, interest rate 6.08 % Federal unsubsidized loan : {$20000.00}, interest rate 4.30 % Federal subsidized loan : {$5500.00}, interest rate 4.29 % Federal subsidized loan : {$5500.00}, interest rate 3.76 % Federal subsidized loan : {$5500.00}, interest rate 5.05 % Graduate PLUS Loan : {$5500.00}, interest rate 7.08 % Graduate PLUS Loan : {$2600.00}, interest rate 7.08 % Graduate PLUS Loan : {$14000.00}, interest rate 5.30 % Based on the provided loan information, the calculated average interest rate is approximately 5.1 %, which is notably lower than the 7.08 % rate. The average interest rate was determined by considering the loan amounts and their corresponding interest rates, leading to an average value of ~5.1 %. 

Please note that this discrepancy in the calculated average interest rate indicates the importance of reviewing and reconciling the interest rates with the respective loan providers to ensure accurate and consistent information. 

I sincerely appreciate your attention to this issue and look forward to your guidance in resolving the discrepancy in interest rates on my Federal Student Loans. Thank you for your assistance in this important matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian removed to old credit cards called Applied Bank in XXXX of this year, then I get a notice in XXXX of this year that they put them back on, These two entries are not valid, and the credit beureau can not remove something and then decide to put it back on, I had worked for years to get this taken care of. Experian is a joke and they did not follow the laws
Product: Credit reporting

Last weekend I applied for on a " Rental Application '' to move into a brand new Apartment Complex. However, once the apartment " Leasing Consultant '' ran my " Trans Union '' credit report it false noted a home " Foreclosure '' that I supposedly had either in XX/XX/XXXX or XX/XX/XXXX. I was " Denied '' an apartment solely upon " Trans Union '' credit report on me. I called up " Trans Union '' and they refused to hear me out let alone to " Delete '' the false info. on my " Trans Union '' credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX  XXXX XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX  XXXX XXXX XXXX : {$200.00} XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX XXXX : {$710.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$10000.00} XXXX  XXXX XXXX XXXX Balance : {$1800.00} XXXX Inquired on XX/XX/XXXX XXXX  XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Debt collection

I was a victim of identity theft a fraudulent credit card was opened in my name with the company XXXXXXXX XXXX XXXX  i supplied a theft report to them and they deleted the account from my credit somehow Midland Funding collections Is trying to collect a debt that I never owned
Product: Mortgage

My husband is a 100 % XXXX XXXX XXXX that exited the military in XXXX of XXXX. We then refinanced with United Wholesale Mortgage for a lower rate. We closed that on XX/XX/XXXX. My husband was blessed with a job offer that would allow him to make a comfortable life for our family without worsening his physical condition. He got his official offer of employment XX/XX/XXXX. We traveled to Florida XXXX to explore options for living. The smartest thing for us that would give us a safe space to live was to buy. So we toured homes and put in an offer on the best XXXX on XX/XX/XXXX. We came back to North Carolina to prepare to move and finish all we needed to close. The underwriters of XXXX XXXX requested paperwork from United Wholesale Mortgage stating we meet the requirements put in place by the VA to convert our property to a rental. The VA requires us to live in the home within XXXX  days of closing and occupy for at least XXXX  months. We moved into the North Carolina property on XX/XX/XXXX. We called United Wholesale Mortgage on XX/XX/XXXX to obtain any type of document stating this. United Wholesale Mortgage then told us we would have to wait up to XXXX days to receive anything. On XX/XX/XXXX they emailed us with a denial saying we couldnt rent out our property. We called them to get an explanation on the same day. They told us to send a copy of our previous mortgage with our actual starting date of occupancy. They stated they could only see the refinance that started on XX/XX/XXXX. We emailed our previous closing documents with the correct dates. We received another denial email on XX/XX/XXXX. Called to get clarification and see if they needed any other documents Or explanation. They told us to submit another request through email and wait another XXXX  days. We submitted another request with all the context of our situation. We waited about XXXX days and then called again since our Florida closing date was supposed to be XX/XX/XXXX so were obviously on a time crunch. When we called again they told us that they are choosing not to honor our time spent in the property and that its going to start over as of the date of the refinance. We then pointed out that our contract has a clause stating that in that case they can make exceptions if they were caused by extenuating circumstances. XXXX XXXX is listed in the VA definition XXXX extenuating circumstance. They told us to submit another request stating why we believe we deserve the exception. We submitted yet another request. XXXX nothing so we made a conference call to United Wholesale Mortgage with XXXX XXXX on the line. They told them the same unclear answer, they were choosing not to honor our time and we will have to wait XXXX  days for their research department to review our third request. Since our closing is XX/XX/XXXX we cant wait XXXX  days. XXXX feeling very discouraged by this whole situation. This situation felt so wrong. I feel like there has to be something that can protect us as consumers from this discrimination and mistreatment.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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: Vehicle loan or lease

I purchased my car in XX/XX/XXXX. The loan is through Ally. I have had nothing but problems with this loan from the beginning. My payments were not being applied to the account in a timely manner. I resorted to mailing most payments by priority or certified mail. ( When I could do so. ) Again, a payment has not been posted to my account. This payment was mailed on XX/XX/XXXX. I have requested a " pay-off '' amount. Just to get this loan away from Ally. I have not received that as of today. Phone calls from this company originate from off-shore and I do not supply or confirm any personal self identifying information over the phone. ( Especially to someone located outside of the US, that is unable to speak and understand English in a clear or concise manner. ) There is approximately XXXX attached to this loan in late fee 's, which I believe is intentional on the part of Ally. I also believe that some of the actions by Ally, are due to my age and gender. ( Age and gender discrimination. ) I have never had as many problems with a company as I have had with Ally. I want Ally to furnish the requested pay-off amount, so that this account can be closed with this company as soon as possible. I am also requesting that a itemized statement concerning the late fees charged to this account, so that they can be compared with the postal receipts. Ally, needs to be investigated for the way they treat their older female customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX have 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please remove all fraudulent activity off my credit report as it is hurting my ability to obtain credit. Thank you
Product: Credit card or prepaid card

I was made by XXXX XXXX XXXX to open a Care Credit account to pay for extensive dental work when they said they wouldn't take my XXXX XXXX XXXX XXXX anymore. I did so the day of a mouthful of extractions in prep for dentures. I was told you had XXXX months of no interest. I was anesthetized heavily and after surgery so I did what I was told to do to put {$1300.00} on care credit on XX/XX/XXXX, I paid {$1000.00}, and used XXXX  on balance. Eventually I needed an alveoplasty and XXXX implants for an implant supported bottom denture, so approx.another $ XXXX was put on the charge. Been paying $ XXXX month for the last XXXX months. Left {$1100.00} left at the XXXX date, XXXX days ago, when Synchrony Bank added {$700.00} interest charge to the acct stating I didn't pay it off in XXXX months. First, I was never told I would have to pay it off in order to avoid a {$700.00} interest charge on an {$1100.00} balance. I spoke with an account manager yesterday and she said all they could do was take the interest off if I paid the {$1100.00} balance by XX/XX/XXXX. I said I am a senior citizen on partial social security and can't do that. She wouldn't budge. Plus, neither did XXXX XXXX say anything about having to pay a big interest dump if it wasn't paid off in XXXX months. Plus I was anesthetized at time card was instituted on me. I couldn't have read a thing! And the girl taking payment wanted out cause was end of work day and was angry and impatient at how long XXXX processing took. Also, in XX/XX/XXXX I received a new Care Credit card in mail and I assumed it was just a newer XXXX so I activated it. Turns out it was a XXXX. I called them and said I didn't want a XXXX and that I had an XXXX month interest free deal on Care Credit XXXX I was told that was still ok to be continued, again, not a word said to me that if I didn't pay it off at XXXX month mark I would be scammed and deceived by dumping {$700.00} interest onto acct.balance. By doing that it took me over my limit and will cause my credit rating, which was above XXXX, to be destroyed. This was abuse of older person by both XXXX XXXX XXXX and Synchrony Bank without disclosure of penalties and without up front forthcoming verbally of true terms of this card. My XXXX XXXX dental card was free and never had interest.
Product: Checking or savings account

Pursuant to12 CFR 229 '' Availibilty of Funds and Collection of Checks Regulation XXXX XXXX XXXX is engaged in Placing a hold on Direct Deposits. 
On XX/XX/XXXX and XX/XX/2023 Capital One Bank Placed a Hold on a direct deposit from XXXX. In addition to placing a XXXX hold on a {$500.00} Dollar check written by XXXX XXXX my wife from XXXX XXXX XXXX. This complaint is Pursuant to Complaint XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/ I received two text messages from what appeared to be Chase Bank asking if I had initiated a wire transfer in the amount of {$10000.00} via XXXX. It asked that I respond 1if yes and 2 for no. I responded 2 immediately. A short time later I received a second text asking if I had initiated another wire transaction for XXXX XXXX XXXX  XXXX Again I responded No. A short time later, I received a phone call from an individual who represented himself as a security/fraud specialist from Chase Bank XXXX He advised that Chase Bank would be initiating a fraud investigation due to the suspicious activity. I was asked if I was familiar with a subject named XXXX XXXX XXXX XXXX XXXX because he was the person the money was to be wired to. After explaining that I did not know anyone in XXXX, I was advised that my debit card ( associated with my checking account ) had also had an attempted purchase for {$35.00} at an undisclosed XXXX. 

The male subject on the phone continued to ensure me that Chase Bank will be looking into the matter and that I need not worry that the money would NEVER leave my account. The subject told me to cease from using my debit card and that a new one would be issued to prevent any further intrusion. I was also advised that do to the investigation being initiated that I was not to open my on line Chase portal until the following Tuesday when my new debit card would arrive. 

The individual stated that I was to go into the wire/transfer portal and complete the form with information he was providing me. The information was supposedly his direct supervisor by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I stated that it made no sense for me to complete this form and wire any money from my account to someone iI have never heard of There were two telephone numbers associated with me being contacted, XXXX XXXX XXXX 

On Wednesday XX/XX/, I opened my Chase account on line and saw that {$13000.00} had been wired to