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

I applied for American Express XXXX Amex XXXX Credit Card product during the first week of XXXX. Upon receiving online approval, I noticed two discrepancies with my expectations : 1. A promotional 0 % APR and zero fee balance transfer offer were not present in the cardholder agreement mailed to me. I saw *zero* indication of this throughout the online process. If I had seen that this would be the case, I would not have applied. It may have been buried somewhere, but it was very much a bait and switch with the promotional offer. 
2. I also noted that the credit limit was quite low compared to other cards. The setting of the credit limit is, of course, the company 's prerogative. But, I was given zero insight into what that would be before I was deemed to have automatically accepted the agreement. Given this was one of the principal deciding factors on applying for a card, I no longer have a use for this card given the credit limit provided. 

I have contacted American Express twice over these issues. They have told me that they can do nothing. They note that they have a record of the disclosure they received, but they will not furnish that to me either. Given I am in the process of applying for mortgages, my credit score will be damaged by the hard credit pull that American Express erroneously made given that I submitted my application under false and incomplete information.
Product: Credit reporting or other personal consumer reports

I have received a copy on my consumer reports, and I notice this company have still furnished to the consumer reporting agencies transactions that are excluded by law as per the FCRA 15 USC 1681a 2Ai. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. XXXX and or any other Risk score or algorithm that is used to calculate a consumers credit score is not a factor where the consumer report is concerned! 

Pursuant to the FCRA found in Section 607 ( a ) a data furnisher must provide accurate information to CRA 's. This company is in violation of the law.

Please find attached document that further proves my claim.
Product: Debt collection

I sent a letter asking to reinvestigate the accounts listed below I looked at my credit report for XX/XX/year> and noticed some things are incomplete and not accurate according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual about whom the report relates. 
NCB Management Service # XXXX {$6600.00} open dates are not reporting correctly, the date last active, date of last payment is not correct, wrong spelling of my name, charger offs, incomplete account numbers, inaccurate information, closed account. 
NCB Management Services XXXX XXXX XXXX, XXXX, PA XXXX | ( XXXX ) XXXX Can you look into this matter?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I spoke with XXXX Rep XXXX who provided me with reference # XXXX on this call Made notice my bankruptcy had been deleted from XXXX file and couldn't understand why XXXX continued to verify bankruptcy with Equifax even after XXXX has deleted it from there own files. XXXX did some research and stated to me XXXX keeps two files, 1 being a VERIFIED file and 2 being a UNVERIFIED file that is unverified historical information. I have reached out to lexisnis several times ( XX/XX/XXXX LAST ) in hopes of correcting this issue even after lexisnex sent me a letter stating they could not verify bankruptcy and had removed it from database XXXX has continued to verify this bankruptcy to Equifax using unverified information. 

UNDER THE LAW 15USC-1681 ( ALL UNVERIFIED INFORMATION MUST BE REMOVED ) So my question to XXXX is how are you verifying this bankruptcy what method/ documents point of source have you used in your investgation to repeatedly verify this bankruptcy with. Equifax after sending me this letter on XXXX XXXX stating you removed it from your files because you could not verify. 

please respond on this platform I have included my personal info so you CAN NOT say you couldn't verify my identity! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX last XXXX SSN # XXXX XXXX XX/XX/XXXX CELL : XXXX EMAIL : XXXX XXXX
Product: Credit card or prepaid card

National news stories being circulated on or aroundXX/XX/2018, reports that CitiGroup and XXXX XXXX  XXXX are using their powers to restrict banking by using their enormous market power to discriminate against customers based on lawful firearm-related business activities. It is reported that they are targeting businesses based on firearm policies and any other legal transactions, industries, and businesses they disfavor, prohibit, or boycott. 

My concern is that as a LEGAL citizen, they will decide if I can or can not use my money, via their credit card or bank account, to make legal purchases. That is counter to the U.S. Constitution ( 2nd Amendment ) and the fact that I am making a perfectly legal purchase based on U.S. and State Laws. If they, Citi or XXXX, do not permit financial transactions with legal business, then that is a form of discrimination. 

As a point of comparison, use and purchase of XXXX is allowed in some states, but prohibited by Federal Law. Why does XXXX or Citi allow people to make purchases with those businesses? Nor do they make policy statements that they will not support these businesses financially. Firearms businesses/manufacturers are legally operated businesses under Federal and State Laws, it is not the bank to decide what is legal and illegal in the United States, but legislatures. 

Thank You
Product: Debt or credit management

I encountered some difficulties with customer service, which unfortunately prevented me from obtaining the documents I needed. Despite my efforts, I wasnt able to resolve the issue in time.
Product: Money transfer, virtual currency, or money service

I have reached out to Gemini multiple times without access to transfer my funds and assets from their platform. Funds to cover any loss to Gemini were left in my account intentionally to make them whole after I discontinued an ACH transfer. Gemini retrieved said funds from my account the same day they restricted my account. It has been 2 months and I continue to have my funds and assets frozen on the Gemini platform. My request is to have access to my funds and assets so I can remove them from Gemini and close my Gemini account
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt Make sure it was reporting 100 % correct. 

In Accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Debt collection

The XXXX XXXX XXXX XXXX University asserts that I owe medical bills in connection to my daughter who resided with her mother XXXX XXXX XXXX last known to reside at XXXX XXXX XXXX XXXX, XXXX XXXX, IL XXXX ) at the presumed period of time. 

They have since damaged my credit during this COVID-19 pandemic, hurting my ability to qualify for housing ( which requires a credit check ) or employment. 

Such actions during this national emergency are not generally allowed. However, at issue here is that the debt is not mine to begin with. 

The agency now adversely attacking me is : The Medical Business Bureau XXXX XXXX, IL XXXX ( XXXX ) XXXX I ask for an immediate reversal of adverse credit reporting directed against me and for a correction, as this is not my debt - and for such relief available to me under the law. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I received a gift card as a gift. Instructions are to go to a website to get another gift card ( which is strange to begin with ). The company responded back multiple times stating the issue was resolved. It was not. Then they responded I needed to work it out with the retailer. They at no time offered a new card. They have no plans to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Crefit Bureau EXPERIAN are reporting accounts that are not mine and inaccurate information in my credit file. I have disputed and provided documents to prove the information is is not mine or inaccurate but they have refused to delete the information. According to FCRA they are only suppose to report accurate and correct information. I have requested that they provide me proof that a account is mine but they have refused. Their response is the creditor verified the account to be accurate. I requested to see the original signed contract or document bearing my signature for such account but no proof have been provided to me. Also my name and address is incorrect. I provided documentation to them to delete and correct this information but they refused and added the new information I provided but left the wrong and inaccurate information in my credit file. I only have one name and one address and one date of birth. I have no aliases.The account that I provided proof that they are not mine are as follows EXPERIAN Reports the following accounts that are not mine and proof supporting that was provided Acct XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX the following accounts # XXXX # XXXX # XXXX. I would like to add that my personal information and crefit file was among those affected by the data breach in 2017. Also I want to note prior to that I was a victim of identity fraud in which I had to meet with an FBI agent to sign documents surrounding that case. At that time I submitted this information to all three credit bureausIf this case is not resolved by removing these account/ debt that are not mine from my credit file then I will proceed file this case for ARBITRATION-as well as forward this complaint to the Federal Trade Commission XXXX If not resolved proceed and pay the fee to file this lawsuit ( case ) in court.
Product: Mortgage

On XX/XX/2023 I received a letter from XXXX of my credit cards saying they closed my account due to mortgage lates. 
My score dropped to a devastating XXXX. 
Cross Country Mortgage reported my mortgage late in error for my XXXX payment. 
My home was damaged during the hurricane & my mortgage is in forbearance. 
I called Cross Country Mortgage. 
They confirmed they had made an error. 
I begged the representative to correct the problem & make sure that XXXX is not reported late in error also. 
She said I needed proof. 
Omg .... it's their mortgage! They set the forbearance! 
This has harmed me. 
My score tanked. 
Creditors are closing accounts due to their error. 
They are not helping me! 
This is so wrong!!!!!! 
My loan is XXXX XXXX verified the mortgage late. 
XXXX file XXXX XXXX XXXX insisted that I send an email to their research department which I have done. 

I have no idea how they can fix the damage they have caused. A hurricane .... now this. 
I'm trying to do everything right to bounce back. 
They simply don't care. 

Please help XXXX
Product: Debt collection

Daily or sometimes multiple times a day calls. They leave an ominous voicemail regarding a legal matter? I called and told them I'm on the do not call list. Told them to take me off of their contact list. The person on the other end told me NO. I receive multiple call daily from these people.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts 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 accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX
Product: Mortgage

Due to the fires in California over the last few years many insurance companies chose not to renew policies in certain zip codes that they deemed high risk. The California insurance commissioner declared a non renewal moratorium for certain zip codes which includes my zip code of XXXX. My insurance company chose not to renew my policy and was in violation of the law. When I pointed that out they gave me a quote of over {$15000.00} per year. I 5 times more than what I was paying. I shopped around and very few would cover me and the insurance companies that would cover me gave me usury quotes that were unaffordable. My insurance lapsed on XX/XX/2020 while I was trying to get affordable coverage and on XX/XX/2020 I finally found greatly reduced coverage of {$850000.00} for fire only that covered a little over the mortgage amount. Wells Fargo Home Mortgage is charging me {$520.00} for the lapse in coverage, claiming they purchased a policy after the fact ( even though there had been no claims or damage ). I tried to reason with them explaining that there are thousands of homeowners in this situation that are not located in a fire area buy unfairly singled out and non renewed. I asked Wells Fargo to send me the policy on XX/XX/XXXX. 2020 and they sent it to me. It shows that the policy was issued on XX/XX/2020 for coverage of {>= $1,000,000} with an effective date of XX/XX/2020 and an expiration date of XX/XX/2020. How can you purchase an insurance after the fact? I feel that I'm being scammed and I don't think I'm the only one. If this is legal then I want to purchase an insurance policy for the XXXX.
Product: Mortgage

when the economy folded my business failed as well as a XXXX my money was cut XXXX percent. then marital problemsI was transferred to Boa from Countrywide Mortgage and has had problems every since, feel back on my mortgage with bank of america missing XXXX payment on a modification with countrywide, I had just buried my mom and was a few days behind because of the stress that I had to take on, I have worked with approved and other housing counseling companies trying to obtain a Boa modification. At first, boa policies were you could only apply every 24 months then about 2 years ago the policy changed. I was denied a modification because I did not make enough money to prove my financials being self employed, of course 2 years had passed.After having numerous account managers who never submitted my docs to the new one in charge, I always had to submit new docs.. this has gone on for years ... now I have XXXX housing counsel and we have been submitting docs. this time I have to submit the same docs again ... .7 or 8 months ago ... .I was XXXX percent away from in housing modification ... .I started making XXXX more per pay period and we submitted documents again, and we are still having to submit the same package again today. the process of the foreclosure has ruined my credit. each time I filed bankrupt was due to bank of america mortgage, each time I get started a new rep ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following identity theft : XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX SXXXX XXXX XXXX XXXX  For XXXX XXXX XXXX XXXX XXXX XXXX INQUIRIES XXXX CREDIT
Product: Debt collection

I am writing to formally dispute the presence of fraudulent charges and collection accounts on my credit report, which are negatively impacting my creditworthiness and causing distress to my mental health. I recently obtained a copy of my credit report from your bureau, and upon careful review, I discovered several items that are inaccurately reported.

I am a victim of identity theft, and I am deeply troubled to see that these fraudulent charges and collection accounts remain on my credit report, despite my status as a victim. 
Below are the details of the disputed accounts XXXX XXXX XXXX XXXX XXXX - PLEASE DELETE!!!! 
XXXX XXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXX XXXXXXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXX PLEASE DELETE!!!! 
XXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXX- PLEASE DELETE!!!! 
XXXX XXXX XXXX XXXXXXXX PLEASE DELETE!!!! 
I request an immediate and unexempted removal of these fraudulent charges and collection accounts from my credit report. The inaccuracies in my credit report are not only affecting my financial standing but also causing undue stress and anxiety. As a law-abiding citizen, it is disheartening to face the consequences of identity theft when I am the victim.
Product: Debt collection

I keep receiving repeated no voicemail left calls from XXXX. Will list dates at end. Doing an internet search comes up with Receivable Management Company ( collections for XXXX XXXX ). I have received one mailing from them 2 weeks ago. Claims states open since XXXX. We had progressive last year and the policy was cancelled in XXXX for non payment. They are now trying to collect premium thru XXXX even though XXXX cancelled in XXXX. They are listed on 2 of my credit reports as open and on 1 credit report as closed, included in bankruptcy. This debt is not valid and the repeated calls are harassment. Dates - 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 and the list just continues ....
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information, birth certificate drivers license and social security card was stolen on XX/XX/2009 I discovered that my personal information had been used by someone else. I did not authorize anyone to use my name or personal information to obtain money, credit, loans, goods or services as described in this report I did not receive any money, goods, services or other benefit as the result of the events described in this report. 

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, XXXX U.S.C. XXXX, XXXX C.F.R XXXX. See Also XXXX C.F.R XXXX ( b ) In accordance with FCRA, Section XXXX, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. -- CLOSED ACCOUNTS XXXX ( XXXX ) XXXX ( XXXX ) {$0.00} balance 120 days late XXXX XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) {$180.00} XXXX  XXXX XXXX ( XXXX ) U.S. Department of Education ( XXXX ) {$2400.00} these accounts are hurting my credit dramatically they are in my chances of owning a home for my family please reconsider investigating this matter
Product: Checking or savings account

I filed complaint number XXXX which was stated as resolved. The company requested that they wished to discuss with me as opposed to giving a written response to my complaint. 

I have been trying to get in touch with them at the number that was supplied, XXXX on the response complaint. I have tried now for XXXX weeks and continue to get voice mail. I have left multiple messages. 

I need to someone to contact me as to the resolution of the issue. 

XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Subject : Request to Remove or Block Fraudulent Accounts Due to Identity Theft To Whom It May Concern, I, XXXX XXXX XXXX, am writing to formally report that I am a victim of identity theft. Fraudulent accounts have been opened in my name without my knowledge or consent, and these accounts are being reported on my credit reports. 

I respectfully request that the items below be investigated, removed, or blocked from my credit reports as mandated under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681c-2. 

Fraudulent Accounts Account XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$1200.00} Account XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$71000.00} At the time these accounts were created, I was XXXX  and had no ability to apply for or access credit. These fraudulent accounts have caused significant financial and emotional harm, and I am taking all necessary steps to resolve this matter. 

FCRA Protection and Your Responsibility Under the FCRA, credit reporting agencies are required to block and/or remove fraudulent accounts from a consumer 's credit report once they receive proper documentation of identity theft. Specifically : 15 U.S.C. 1681c-2 states that when a consumer provides proof of identity theft, including a police report or affidavit, credit reporting agencies must block the reporting of information related to fraudulent accounts.

Failure to act promptly can result in liability for damages, including statutory or punitive damages, as outlined in the FCRA.

Supporting Documentation I have enclosed the following documents to substantiate my claims : A copy of my government-issued ID ( drivers license ). 
Proof of my current address ( utility bill ). 
A copy of the police report filed regarding the identity theft. 
Documentation verifying my incarceration and inability to create or access accounts at the time these accounts were opened. 
Next Steps I request that the fraudulent accounts listed above be investigated and immediately removed or blocked from my credit reports. Additionally, I ask that any inquiries or associated collections related to these accounts be removed as they are unauthorized and a direct result of the identity theft. 

Please send me a written confirmation once the fraudulent items have been blocked or removed. If additional information or documentation is needed, do not hesitate to contact me at ( XXXX ) XXXX or via email at [ Your Email Address ]. 

Conclusion I trust that the CFPB, XXXX, XXXX, and Equifax will take the necessary steps to address this issue in accordance with federal law. Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX