23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am currently involved in a construction loan with First Guaranty Mortgage Corporation. This is an FHA construction to permanent loan that was approved at the beginning of 2015. I initially had a good faith estimate done and agreed to the terms. During the process the company changed my amounts and interest rate from what was quoted me stating that my paperwork I signed was out of date. They proceeded to increase my rate along with requiring more of a down payment. During this time I started building the home grading and such to keep my progress moving forward so I incurred costs that were built into my loan for reimbursement. I submitted these to FGMC as the actual line items on my loan from the budget we created. I was told that these will be prepaid payments and not reimbursable. These amounts were built into my good faith estimate and when I received final docs the loan changed by these amounts. Prepaid items became deposits and the amount for withdrawal for my construction build shrunk by approximately XXXX. I confronted them about this and they explained that I still had a 10 % overage built into the loan. I asked them to point this out in the loan but I was ignored and come to find out this is not in the loan. I have asked for an increase in the loan to cover the amounts of my first reimbursements only to be humiliated by the loan company stating that " with the contractors and my experience they do n't see how this could have happened ''. I 'm trying to scrape funding together to complete my house but so far no luck. My warning to all would be if you are looking for this type of loan, do not use FGMC. By the way I have completed a home in the past using XXXX. I did very well and ended up selling this previous house for a profit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any ITEMS which is found to be opened due to identity theft. The disputed items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

There are billing errors on my credit report, with late payments not consistent with my history. Please adjust these mistakes and update my account accordingly.
Product: Credit card or prepaid card

Got a lawsuit mail about a credit balance from Lowes credit account that I never applied for and now i got a court date and this account was in 2019 so I have clue where this is coming from
Product: Checking or savings account

I am writing to bring to your attention a pressing matter concerning the closure of my checking, savings, and credit card accounts by Chime, a financial institution I have been banking with for some time. The sequence of events that transpired, as well as the questionable actions taken by Chime, have left me deeply concerned and in dire financial circumstances. 

To provide a comprehensive overview of the situation, I will outline the events in chronological order. First, my checking account was closed without any prior explanation. Chime explicitly mentioned that they would seize the funds in my account, disregarding any attempt to clarify the reasons behind this action. At the time of closure, my checking account contained a total of {$10000.00}, which included an amount of {$5500.00} that had been deposited prematurely from my IRS tax refund. According to the IRS tax refund tracking information, this amount was not scheduled for transfer until XX/XX/XXXX. Thus, Chime not only illegally held onto these funds but also waited until a check of {$3400.00} cleared on XX/XX/XXXX before closing my account. It is worth noting that, perplexingly, the closure email I received was backdated to XX/XX/XXXX, despite having full access to my account throughout that entire day. 

In an attempt to understand the motives behind the account closure, I must highlight that I had recently filed a dispute regarding fraudulent charges amounting to over {$2000.00} on XXXX XXXX, which Chime had denied just a week prior. The alarming coincidence of the account closure aligning precisely with the date a significant check was due to clear raises suspicions of foul play. Moreover, as Chime is my sole banking institution at present, this abrupt closure has left me completely deprived of any means to support myself financially. 

Given these circumstances, I kindly request your immediate intervention in this matter. I implore the Consumer Financial Protection Bureau to investigate the actions of Chime regarding the closure of my accounts, the illegal seizure of funds, and the potential retaliatory motives for their actions. It is crucial to determine whether Chime has violated any consumer protection regulations or engaged in any unfair practices that may have led to this distressing situation. 

I genuinely appreciate your attention to this urgent complaint and your commitment to safeguarding consumer rights. I eagerly anticipate a swift resolution to rectify the financial hardships imposed upon me by Chime 's actions. Should you require any further information or clarifications, please do not hesitate to contact me at your earliest convenience. 

Thank you for your time and consideration.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX I challenged the accuracy, compliance and reportability of this listing and it came back verified. Please validate and have them provide method of validation on this information from XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. This has account has been updated with activity and this is a closed collection account. The term duration on account as states 1 month on XXXX ], 0 months on Transunion, and Unknown on XXXX which is inaccurate. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they may be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ] [ 15 U.S.C. 1681e ]
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I've received an alert from XXXX Credit  Report about this account name " XXXX XXXX '' and when trying to report it as a suspicious account, they told me that I would have to report this to the Credit Bureau XXXX I did report it to XXXX and after they conducted their investigation, they removed it from my credit report history. Though, it still appears as active in my Experian  Credit reporting that I'm still accused of late payments despite explaining to Experian that I've already contacted the company directly and they stated that I don't exist in their system. I even informed them that even XXXX removed it from my credit report. So after they conducted their investigation and they basically stated that there is no errors on my credit report regarding to that account. After multiple disputes about it, they believed that there is nothing wrong with it and at this time, I'm still being accused of owning a balance to that company despite not existing in their record which is affecting my credit score. I just want this account removed from my credit report since the company confirmed that I don't exist due to the information not matching and they believe that this is possibly some form of identity theft being committed and also with XXXX even confirming that they don't exist in my account so they removed it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report in  XXXX  o f 2017 and noticed t here were  XXXX  capital one bank credit cards opened in my name.  One with a {$300.00} dollar credit limit and the other with a {$500.00} dollar credit limit. These accounts do not belong to me. I have never opened them. And I owe them no one because they were a result of fraud. When I contact Capital one fraud departme nt they say it is going to stay on my report because all the information is correct. And there is nothing I can do about this. Please help me get it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Phoenix financial has recently put old accounts which were removed from credit report from another collected back on my account. 
I provided multiple documents and the companies verified for my visits having XXXX XXXX. The XXXX and XXXX  agreed to remove and waive the debts due to inability to pay and my having XXXX XXXX at the time. 
Not sure how they have them now but the original creditors already removed them. 
Can easily call and verify
Product: Debt collection

15 usc 1692c that law clearly states 'If consumer refuses to pay a debt the debt collector must cease all communication '' Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account.
Product: Checking or savings account

I received an email from my banking institution stating that an account application was sent in my name. It was later approved. The banking institution reported a fraud alert and we verified that there was a fraudulent application sent in my name and the account was closed and shut down after verification. Credit bureaus were notified and a report is being submitted
Product: Credit reporting, credit repair services, or other personal consumer reports

Information that I have a current derogrtory account was falsely furnished to Citi, when applying for credit. I have no current derogatory accounts and obviously old information was referenced to deny me credit, unfairly.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN REGARDS TO EQUIFAX : XXXX. XXXX  XXXX XXXX GA XXXX I CAN'T CLEARLY UNDERSTAND HOW LONG THIS DATA BREACH COULD POSSIBLY BE GOING. THIS ADDRESS DOES NOT BELONG TO ME XXXX XXXX XXXX XXXX XXXX XXXX TEXAS XXXX DOES NOT BELONG TO ME AND I HAVE NEVER LIVED AT THIS LOCATION YET EQUIFAX REFUSES TO REMOVE IT WHEN I HAVE LIVED AT MY CURRENT ADDRESS SINCE XX/XX/2004 WHEN MY HOME WAS BUILT. 
EQUIFAX DATA REPORTING IS TRULY FRIVIOULOUS AND SOMETHING NEEDS TO BE DONE ABOUT THIS AGENCY AS THERE NEEDS TIGHTER GOVERNMENT RESTRICTIONS PLACED INTO ACTION ON THEM. I DON'T KNOW IF THIS ADDRESS IS LINKED TO A FRAUDULENT ACCOUNT THAT IS REPORTING ON MY REPORT BUT IT NEEDS TO BE REMOVED ASAP.
Product: Credit reporting or other personal consumer reports

FCRA 605B mandates the removal of any inaccurate accounts from my credit report. Could you review the documents? Several listed accounts contain inaccuracies in reporting, including incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

XXXX -Hard inq : XXXX XXXX ( Bank ) XX/XX/year> They have no record of me i also never requested a credit card and they cant find me in there system and would like to get removed ASAP. 

XXXX - Hard inq XXXX XXXX, XXXX XXXX They also have no record of me i also never requested a credit card and they cant find me in there system and would like to get removed ASAP. 

PUBLIC RECORD DISMSD/CLSD XXXXXXXX XXXX  XXXX No money is owed and nothing was finalize and was also got a dismiss later and was told it would be removed due to error
Product: Credit card

The Apple Card Statements state that the bill is due on the XXXX or XXXX of the month after the billing period. So if the statement period is XXXX to XX/XX/year> it says it is due XX/XX/year>. But they later say that XX/XX/year> is the XXXX day and XXXX is XXXX, which is against regulation. XX/XX/year> per regulation is day XXXX, not XXXX XXXX. XXXX ) they do not send reminders that the card is Late and thus you don't know they think it is late because you are following the regulation that XX/XX/year> is XXXX XXXX and you pay accordingly. As a result I am now 2 months late but not late per the regulations. Quoting Truth in Lending Act and Regulation Z. In addition, they don't product said statement until the XXXX of the month ( in this case XXXX ) in the 1st place so you don't even get the bill until their Day XXXX, just giving you now 25 days to be 30 days late.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX I live at XXXX XXXX XXXX XXXX, OH XXXX. THIS IS THE 3RD TIME I have had to complain about my personal information that is not correct : My name is XXXX XXXX XXXX please, please delete any other version of my name. My SS XXXX and is DOB XXXX. Please delete the following fraudulent addresses from my credit XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX, XXXX XXXX XXXX, XXXX XXXX OH XXXX. 
The following phone numbers are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
I have an unverified account from the following companies XXXX XXXX XXXX XXXX # XXXX, XXXX   XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX. I am filing an FTC ID THEFT report as well as a XXXX Police report. 
My income was affected due to the COVID 19 PANDEMIC I was never assisted with payment relief under the CARES ACTS! The CARES Act calls these agreements accommodations. I am disputing XXXX # XXXX late payments from XXXX, XXXX, XXXX, XXXX I was told that they would be removed due the the GOV mandated of student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the summer XXXX and again in early XXXX TransUnion experienced a database glitch that deleted my TransUnion Inquiries. Once the glitch was realized, TransUnion added them back to my report. This computer glitch was TransUnion 's problem - not mine - caused my inquiries to be deleted. TransUnion later added them all back onto my credit report without giving me the legally required written notice 5 days prior to them re-adding them. I contacted TransUnion in good faith to ask them to delete the inquiries that they had illegally re-added. All dates are listed below. These inquiries add a hardship and my rights were violated by TransUnion. Please make TransUnion stop victimizing me for their mistake. As a resolution, I request that all TransUnion inquiries be deleted permanently from my report as a violation took place when they were illegally added. 

XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX
Product: Checking or savings account

I was scammed into sending money to an impersonator of XXXX. I contacted my bank, Chase, to stop the payment when I figured out it was a scam and they refused to do anything. They said if I authorized the payment, there was nothing they could do about it.
Product: Debt collection

I had a XXXX done on XXXX XXXX, XXXX. I received XXXX bill for this, which I promptly paid off. However, in XXXX of XXXX I received a notice from the collection company Komyatte and Casbon, P.C. that XXXX medical bills from that same XXXX had been sent to collections in XXXX of XXXX. I had NEVER received either of these XXXX bills that had gone into collection. I called Komyatte and Casbon and asked what this debt was for, since I had never heard of it. The lady I spoke with told me sometimes you do not receive bills for things and that she would send me a itemized list of what the bill was for. This did not sound normal to me, so I called the original company the debt was from. She told me what the charges were for, and that the debt was sent to collections in XXXX because of a bad address, meaning I NEVER received any bills for the debts. The first I was aware of them was after they went to collections. So I called Komyatte and Casbon back, made a payment plan, assuming this would prevent it from being reported to my credit score. The lady I spoke with said it does n't matter if I am making payments, it is still going on to show reported on my credit account as an account in collections. I then called XXXX XXXX XXXX ( the company the bill was from ) and spoke with someone who told me since it was n't my fault I never received the bill due to a bad address, that they would pull the account out of collections. However, after checking my credit score the account has now shown up on my credit score as XXXX accounts in collections. I never had a chance to pay these bills. The first I had heard about them was when they were sent to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX and XXXX of 2019 filed disputes with the credit bureaus. I am a victim of identity theft. The information listed in this report, which appears on my credit report, does not relate to any transaction that I have made. It is the result of identity theft.
Product: Credit card or prepaid card

I have a BP BUSINESS mastercard my only uesd it for the frist time on XX/XX/XXXX at XXXX XXXX XXXX for XXXX and when I tried to used my card again on XX/XX/XXXX my card was denied so I call and ask them way! And they told me my card was block to used ur card out of network and I need make a payment frist before they unblocked my Card I talk to XXXX different people and no one couldn't help me but telling me to make a payment..after that I look at my account online and there was transaction trying to be made on XX/XX/XXXX at XXXX I told that wasn't Me and and they still blocked my card and told me I probably don't get my card!!! After I told my information was Stolen and I need a new card they tell they can't do nothing...
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit profile I noticed inaccurate personal information. My name, address and employer need to be updated immediately. This false information needs to be removed immediately.
Product: Debt collection

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of XXXX According to the FCRA , I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair credit Reporting act. The List or accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousnessXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

My concern pertains to the account in question, which is erroneously listed as a late payment account. I insist that you furnish concrete evidence of this account being late and, if such evidence is not forthcoming, I demand the immediate removal of the negative payment status associated with this account from my credit report. As I am looking over my credit report, this account is incorrectly being reported as a late payment account. Please provide proof of the account was 30 days late and delete the negative payment status on this account. XXXX XXXX. I take this matter seriously, and I expect a thorough investigation into this dispute as well as a resolution that aligns with the laws and guidelines set forth to ensure accurate credit reporting.