23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I ran my credit report because I am trying to refinance my house. I noticed this report on my credit that I had no idea what it was. I researched ( Googled ) Contract Callers ( supposed collection agency for a company called XXXX XXXX ) because on my credit report there is the wrong phone # ( XXXX is not the phone # ). After finding the correct phone # on XXXX ( XXXX ) I called on XX/XX/22 and talked to a woman named XXXX XXXX XXXX 's. The first phone call she gave me a possible fraud address and said that this was in collections under my SS #. The possible fraud address she gave me is, XXXX Trellis XXXX XXXX XXXX XXXX XXXX XXXX GA. 

The 2nd time I called Contract Caller 's ( on XX/XX/22 ) around XXXX p.m. XXXX, I was at the XXXX XXXX XXXX XXXX XXXX waiting for an officer to take my report on this fraud and she ( XXXX XXXX XXXX said that she has no record of me talking to her and that nothing is showing under my ss # for " Contract Callers ''. 

I am completely baffled as i don't know if " Contract Callers is the Fraud problem or this XXXX XXXX XXXX is. I don't know what to do as I have no idea who these company 's are and never had anything to do with them. 
I have made a police report with the XXXX XXXX XXXX, XXXX # XXXX phone # XXXX
Product: Credit reporting or other personal consumer reports

I have consistently disputed the inaccuracies in the given information with XXXX, Experian, and XXXX, but unfortunately, the matter remains unresolved to this day. 

XXXX 1. Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please remove it from my credit report. 
2. Under 15 USC 1692g. Validation of debts XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

Experian 1. The following personal information is incorrect Also Known As : XXXX XXXX 2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX 4. Under 15 USC 1692g. Validation of debts XXXX Account Number : XXXX Please remove it from my credit report. 
5. Under 15 USC 1692g. Validation of debts XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

XXXX 1. The following personal information is incorrect Name : XXXX XXXX XXXX 2. The following personal information is incorrect Also Known As : XXXX, XXXX, XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX 4. The following personal information is incorrect Previous Address ( es ) : XXXXXXXX XXXX XXXX XXXX XXXX, IA XXXX 5. The following personal information is incorrect Employers : XXXX XXXX XXXX 6. Under 15 USC 1692g. Validation of debts XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

I opened an online BestBuy.com account and made my first payment. I did not see the payment post to my online account for the " Order or Contract ID : XXXX '' - instead of placing a formal request for investigation through the Consumer Financial Protection Bureau , I created a " PissedConsumer.com '' account and placed communication / correspondence through that online orgainzation.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Credit Inquiries What Happened? 
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is FTC Complaint Number XXXX, filed on FTC Complaint Date XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : 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  Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

" I am attaching the report of the formal complaint filed with the Federal Trade Commission ( FTC ) as additional support for this claim. This report reinforces my request for the removal of unauthorized inquiries from my credit report, as it details the lack of authorization for these inquiries and the inadequate response from the credit bureau involved. '' Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Formal Request : I am formally requesting a thorough and manual investigation of the disputed inquiries and their removal if there is no verifiable documentation. I reserve the right to take legal action and file an additional complaint with the CFPB and my state 's Attorney General. 
Sincerely XXXX XXXX XXXX
Product: Credit card

Date : XX/XX/year> Amount : {$6.00} I was billed for an XXXX XXXX  Subscription that was canceled before the stated renewal date of XX/XX/year>. They should have the record of my cancellation date. I requested a refund twice. I called customer services. I was denied a refund. The reason they gave me was " ineligible for a refund. '' But they neglect the fact that I was incorrectly billed at the first place.
Product: Credit card or prepaid card

I made two transfers of {$330.00} into my paypal prepaid debit card account on XX/XX/XXXX. The transfer was completed and approved. On XX/XX/XXXX, I had {$190.00} left on my prepaid card from my government stimulus check and paypal took the {$190.00} and put my account over {$600.00} in the negative. I've since had a deposit of {$140.00} and {$15.00}. Ive tried calling paypal numerous times over the past few weeks to resolve the issue. Every time I've actually been able to get ahold of customer service I've been on the phone with them for an hour before I was hung up on or being told I was being transferred because they couldn't resolve the issue. Today I spoke to a supervisor and she told me that paypal let me use the funds before they were available which is not true because I have a prepaid card and the trnasferwas approved and completed for over two weeks before they took the money out of my paypal debit card and put my account through paypal in the negative.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed bankruptcies with TransUnion complaint # XXXX XX/XX/2018. I requested credit bureau provide proof of who verified bankruptcies they were reporting. TransUnion stated US Bankruptcy court verified bankruptcies. I provided a letter from XXXX District of Florida Bankruptcy Court stating they dont report to credit bureaus. So I never received proof I requested, and the response that was given was past 30 days.
Product: Debt collection

I am being sued by XXXX XXXX and Pressler for an old debt that I have no evidence that it even existed. They harass and threaten. They have no original paperwork, no papers of payment, no papers of default.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a response from XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX around XX/XX/2022 from a complaint made with the CFPB. The complaint was about the inconsistencies of bill pay and reporting with the company throughout my time having this lease out. 

He admitted to these mistakes and assured that no negative reporting would be made. 

I checked my report and saw that it was a negative mark that has effected me by a 70 point swing. I submitted the dispute with experian and the company disputed and didnt hold up their end of the bargain. 

I have also reached out by phone to XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this letter in regards to a collections account that is being listed on my credit report by XXXX XXXX XXXX. Per the Fair Credit Reporting Act you are required to verify and complete the validity of the record I dispute within 30 days. I submitted the dispute to you online through your website on XX/XX/. Per, FCRA if the account can not be verified in that time period, you are obligated by law to remove the item. I show this was not done until XX/XX/XXXX  which is more than 30 days. I was given no evidence of my obligation to pay this debt to this collection agency by them in the mail or elsewhere. Please provide the complete name of the person who verified this information, telephone number, the date you spoke, all documentation provided to you, and the method of verification as well. I demand that this account be removed off of my credit profile immediately.
Product: Credit reporting or other personal consumer reports

These address and name variations are inaccurate and do not belong to me, as they may cause confusion and misrepresentation of my personal information. I request that these incorrect names, including XXXX XXXX  M ; XXXX XXXX ; and XXXX, XXXX, M, be removed from my credit report as soon as possible. Additionally, the address XXXX XXXXXXXX XXXX XXXX, MA XXXX is inaccurate and should also be removed. I further request that TransUnion update my credit report to include only accurate and verified information. Once these corrections are made, please send me written confirmation of the changes along with an updated copy of my credit report. Lastly, I encourage you to review my credit report for any other inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

i tried to get hard inquirys deleted off my report with experian but its unresolvrd the folloeing are of concern credit oneank XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXXXXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX, XXXX XXXX By Mail Only Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX  XXXX XXXX XXXX date : XX/XX/XXXX Removal date : XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX ( XXXX ) XXXX Is everything correct? 
If you don't recognize this information you can contact the lender directly or dispute a hard inquiry by phone or email XXXX XXXX XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Dear Sir/Madam, Re : Dispute of Credit Report Information and Alleged Non-Compliance under Section 1681O of the Fair Credit Reporting Act I am writing to formally dispute the information listed on my credit report, which I believe is inaccurate and constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically Section 1681O. This section pertains to the responsibility of consumer reporting agencies to maintain accurate and complete information, and I believe there has been a negligent failure to comply with the reporting requirements in my case. 

Details of the Dispute : 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 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 XXXXXX/XX/XXXX Explanation of the issue : incorrect balance, outdated information, incorrect status. 

I believe this information is inaccurate due to the following reasons : incorrect information regarding the status of an account. 
I have made reasonable attempts to resolve this matter with the creditor, but they have not provided adequate response or correction, which constitutes a failure to comply with the duties outlined under Section 1681O of the FCRA. 

As required by law, I request that you conduct a thorough investigation into this matter and correct any inaccuracies, or delete the information if it can not be verified. If no resolution is found or the reporting is not updated in accordance with the law, I will take further action to ensure my rights are protected under the FCRA. 

Please notify me in writing with the results of your investigation and the actions taken to resolve this dispute. As per Section 1681i ( a ) of the FCRA, I expect to be informed of the outcome within the required 30-day period. 

Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit bureaus and provided them with written notice on XX/XX/2018, that I was a victim of identity theft and contacted the Federal Trade Commission. I contacted XXXX  and asked for XXXX XXXX XXXX  ( Account # XXXX ) and XXXX  ( Account # XXXX ) to be removed. I also contacted Experian and asked for XXXX XXXX XXXX ( Account # XXXX ), XXXX XXXX XXXX ( Account # XXXX ), XXXX XXXX XXXX XXXX ( Account # XXXX ) and XXXX XXXX XXXX XXXX XXXX ( Account # XXXX ) to be removed.
Product: Vehicle loan or lease

It doesn't matter that I entered into an agreement at the time. I was working full time. XXXX XXXX is closed cause of Covid making it impossible to get a job. You need to help your customers. It is not my fault I can not find a job because of the circumstances in XXXX XXXX
Product: Checking or savings account

On XXXX XXXX XXXX am : I received a notice from JP Morgan Chase Bank XXXX that a debit/prepaid Atm card had be approved and issued in my name. I knew this was an issue as I had not asked for authorized one for approval. 

Upon calling Chase and Talking to fruad shortly an hour thereafter, it was soon discovered that a new College Checking account was created and that 3 transfers in the amounts of : {$8500.00}, {$6800.00}, and {$4600.00} were already pending to this new College Checking account ( coming from my Own Premier Checking Account ) with corresponding withdraws taking place simultaneously. Upon numerous calls to Fraud for these transfers to be blocked, they were eventually allowed even though they were fraudulent. Chase Bank personnel were constantly confused as they didn't know whom they were talking too and eventually asked me to visit a branch to prove my identity ( they failed to ask for proper identification such as passcodes over the phone ). 

Upon visiting local branch on XX/XX/XXXX and XX/XX/XXXX, it was revealed by bankers, that the Fraudulent account was opened in Florida using my social security number and likely forged ID. Since the transfers were considered going from my account to my account, the initial claim was rejected even though the fraudulent account was not opened by me ( withdraw slip clearly states XXXX XXXX who I do not know ). 

With nearly {$20000.00} stolen from me instantly, it has caused a lot of issues, such as payday and mortgage needing to be rerouted as well as Chase credit cards being paid in person. 

I have called Chase numerous times to ask for a clear explanation as to how this could have happened but have not received a satisfactory answer. The first banker I spoke too, revealed that the account was already on high alert before the Fraudulent account was opened, as someone had called Chase impersonating me telling them he had my social and asked the balance but then hung up when asked for a passcode, he even tried twice! What is frustrating, is that Chase asked me if I knew the thief XXXX XXXX several times. 

There is currently a police report : XXXX filed with XXXX XXXX XXXX XXXX XXXX and a detective investigating this.
Product: Mortgage

On XX/XX/XXXX, I wrote a letter to Selene Finance in reference to my Property Taxes due XX/XX/XXXX have not been paid to XXXX XXXX XXXX. XXXX XXXX transferred my loan to Selene effective XX/XX/XXXX. I have reached out to Selene many times. Please find a copy of my letter with XXXX XXXX XXXX. Today, XX/XX/XXXX, received a reminder for my Property Taxes have not been paid. Please find copies of all documents. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Florida XXXX.
Product: Checking or savings account

I opened a checking account with Regions that is a business checking account and to get no fees on the account I opened a merchant account with them also. There were to be no fees associated with the Merchant account unless I used the account. The merchant processor has repeatedly charged me a fee for using them and has constantly stated that I had to do the PCI Compliance or be charged a fee and I have done the PCI Compliance. I have tried to be nice and work with both but neither are working with me. Also, Regions has been charging NSF/Overdraft fees and I have no record of why these are being charged.
Product: Credit reporting or other personal consumer reports

This information is incorrect, I was never evicted from this property so under the FCRA I request you investigate this matter right away and remove the inaccuate information from my report. You are damaging my tenant screening report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a Chapter XXXX bankruptcy on my credit report fir more than three years that did not occur. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I have submitted proof to Experian, XXXX and XXXX   that a bankruptcy did not take place. I requested a verification of debt from Experian, XXXX and XXXX and was notified that the bankruptcy court confirms the information. I received a letter from the bankruptcy court that no reporting is provided to credit bureaus. Additionally, I had to place a security freeze on XXXX XXXX due to fraudulent activity and inaccurate reporting without my knowledge.
Product: Mortgage

We have a HomeStyle Renovation Loan with Movement Mortgage. This product enables us to bundle home acquisition plus money to renovate the home with. As renovation work is completed, our General Contractor submits requests for payment, which are reviewed by the lender for completion, then money is dispersed to the GC. 

The nature of this payment schedule is already difficult for most contractors, as it means they need to use a line of credit to get work done by their sub-contractors, before finally being reimbursed by our lender ( Movement ). As expected, there is a service-level agreement that once a draw has been requested, the lender act within a reasonable amount of time to get the parties reimbursed. 

On XX/XX/2022 ( 37 days ago as of this complaint ), our General Contractor requested a draw for ~ {$62000.00} for work related to Electrical, Insulation, Drywall, and Flatwork ( Concrete ). This represents the work of 4 different sub-contractors plus the efforts of the General Contractor themselves. 

Since the draw was requested, we've yet to be reimbursed. We have continually been promised action from our Renovation Draw Specialist, XXXX XXXX, to no effect. 

The Draw Specialist also does not seem to understand how to manage our level of renovation project. It is very clear on the draw request what work needed to be reviewed ( Electrical, Insulation, Concrete, Drywall ) -- yet the Renovation Specialist from Movement wanted the Appraisers to check for the presence of working utilities ( Water, Electrical, Gas ) in order to complete the assessment. XXXX XXXX XXXX will not connect a Gas line to the home until major gas appliances are installed ( furnace, hot water heater, range ) which is a one of the very last steps ( if not the last ) when completing a build. An assessment for utilities is not congruent with the Draw Request, nor would we pass it at this juncture. 

We've requested updates, or an understanding when things will be done, and continually are told that we will be contacted by the appraisal company for scheduling, which never happens. 

Our last email, sent two days ago to our Renovation Draw specialist at Movement Mortgage, went unanswered. 

In the state of Pennsylvania, a contractor may file a Lien against the property for non-payment, and in no specific terms we've been told by our GC that we're up against it for this action. 

Our General Contractor also can no longer use their sub-contractors for work outside of our project because of non-payment on ours, and their lines of credit accrue interest from our project. 

This issue with the lender is causing us personal hardship. We now have a challenging relationship with our General Contractor, our renovation project is held up every day that we aren't able to pay our workers, we pay for a longer period of Builder 's Risk insurance, we are facing the risk of our home having a lien placed against it.