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

Despite the multiple previous written requests, the unverified item ( s ) listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Section 616 and Section 617 provide me with remedy which Im about to seek. You are willful noncomplying with the FCRA.

Since you claim youve verified the account ( s ) listed below I wanted to confirm my thoughts and contacted the companies directly. Not one of them provided me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please remove the following accounts, or inaccurate information, from my file immediately & send me the results to the address listed below XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/2020 Balance : {$33.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XX/XX/2022 and XXXX this year I submitted a complaint regarding on the Bankruptcy records on my credit report. Today I am submitting a complaint for the removal of the fraudulent items on my credit report. I'm reaching out regarding these fraudulent items and for assistance to remove them from my credit report immediately. These accounts are NOT MINE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given extension or payment relief by XXXX for two months XXXX and XX/XX/XXXX and those payments were adjusted at the end of plan XXXX and XX/XX/XXXX beside relief nissan motor acceptance charged me one month XX/XX/XXXX gave me one month relief and taking two payments at the end of the plan over to this they reported me late payment in the months they gave me relief according to my records they took two payments in XX/XX/XXXX month one on XX/XX/XXXX and second payment on XX/XX/XXXX I reported 6 to 7 times on phone and XXXX not agree to resolve it and credit beauros they also taking XXXX side I am helpless my credit score goes down I started bussiness and need financial help for bussiness but nobody gave me loan for starting bussiness because of my score and it result in hard inquiries over my score I am financially broke and in critical situation I have family these guys playing with me like it doesnt matter for them but it matters for me because I have XXXX sons XXXX wife family to look after but they playing with me continuously now I am filling complain against these two nissan motor acceptance and XXXX XXXX and XXXX I am attaching reports and documents with complain I need it to get resolve as soon as possible now I am going to file suit against XXXX i have call records when i filed the dispute and many times called them
Product: Payday loan, title loan, or personal loan

I took out an {$800.00} loan. I was unable to pay the amount back in full. I made payment arrangements with them for me to pay online. I thought the date started XX/XX/2022 Ace Cash Express took out the {$800.00} plus {$74.00} fee out of my bank account after I revoked authorization on XX/XX/2022. 

I did not authorize this payment. They did not tell me this would be taken out. 

This caused me financial hardship. 

I attempted to take out another loan through them but only pre-approved for {$300.00} and them denied me for my orevious loan being late even though they broke payment arrangement by taking full amount. 

Unacceptable.
Product: Credit reporting or other personal consumer reports

I have filed a dispute in regards to the alleged debt on my credit report and ask for validity, proof and It has been well over 90 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2020, I was laid off from my job and salary due to the lockdown caused by Covid-19, being unable to assume my financial responsibilities. I proceed to call the creditors looking for alternatives such as payment arrears and they all offered me moratoriums and alternatives in payments with the exception of Best Buy ( Citibank ) which indicated that due to the account in arrears, I did not qualify for alternatives or any other assistance and to make the payments while he could. In XXXX 2020, I received a letter from XXXX XXXX XXXX XXXX ( XXXX ) collecting the total debt of {$2500.00} from Best Buy. I proceed to call Best Buy and Mr. XXXX attends me indicating that the account is Charge Off and that he had to manage the pending payment with the XXXX XXXX company. I proceeded to call XXXX XXXX and they tell me that if I paid the amount of {$1300.00} at the moment the account would be settled and resolved. We proceeded with the payment at the time for the indicated amount of {$1300.00} after one week I received the letter of agreement indicating that the balance was canceled. I made a claim to Best Buy on XX/XX/2020 and they only credited the amount of {$1300.00} leaving the account with an outstanding balance, when the letter indicates that the account was resolved and settled.
Product: Debt collection

Received an automated voicemail from H & R Accounts. Voicemail states that the call is to attempt to collect a debt, and any information obtained may be used for that purpose. Since the voicemail is an automated message, the debt collection can not confirm that whom they are calling is the consumer. Therefore, violating FDCPA regulations with regard to leaving a message relay that there is a debt owed and being collected on. 

Also the debt in question was pulled by their client over a year ago, as it was placed with their agency in error. This has been confirm by their client today by phone call.
Product: Checking or savings account

I have had an account for over 25 years with Citibank. 

From XXXX XXXX XXXX I made a lot of cash transactions from the account ( withdrawing cash from ATM, teller, cash advances, etc ). I verified my identity every time I was asked about it. 

On XX/XX/2023 I couldn't access the account. I called and wasn't able to contact them since the account or ssn didn't exist ( any longer ). Walked to a Citibank branch, and was provided a different number to call. I realized the branch was completely helpless and couldn't even access my account information. 

Called the Bank Fraud and Security and they stated " the account has been refereed for closing, the review last 30-60 days, and there is not more information ''. They hang up on me XXXX. 

I requested : 1- Unblock the account, let me withdraw my funds from a branch where you can verify my identity XXXX more time, I can close the account myself since you have made a decision not to service it. 

2- I told them I had my payroll direct deposited that day- which would serve for paying rent, Holiday expenses, food, etc. I needed the funds for day to day operations. 

3- To accelerate the closing of the account. You can't block my funds for 30-60 days as stated by the Security personnel .

It has been almost a week, and they haven't released my funds. They have blocked my payroll direct deposit. Basically, they are keeping my money with no authorization. If they have decided not to service my account any longer, I am fine with the decision, but I want my funds delivered to me on a fashionably manner. With the level of technology that exists today, the 30-60 days they give you- which is not acceptable. After all this is not a credit card or a loan. This is my money!
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXXXXXX 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
Product: Credit card or prepaid card

I submitted paperwork for the Exchange Credit Card program, on the afternoon of XX/XX/XXXX the fraud supervisor XXXX called me to gather more information. I explained to her I did not have the card nor even used the email address which was on file with the company. She was supposed to change the email, but later on, I found out they sent the final results of their investigations to the old email which I do not even use. Luckily I called them and they sent them over again. Their findings were that a temporary card was present at the time, if I had used this card I would not have needed a temporary card as it was mine. Second current charges reflect prior spending pattern and location. Of course, the same pattern and location were used as whoever had my card using the exact same location. Then apparently they also used it at XXXX XXXX during these times the card was being used I was over XXXX miles away from where they were used. I explained this to XXXX as well and she apparently didn't even take any of this into consideration. Also, in the attached receipts they sent to me there are two completely different signatures, even different from the signature which I provided to them. So in less than XXXX hours they had made a decision and did not even investigate anything more from the information I have provided them. Nor even compared the signatures with the signatures I provided them as there is a big discrepancy and noticeably different in all three, even the two which were provided on my card were different from each other.
Product: Credit reporting or other personal consumer reports

The following companies made unlawful requests on my credit report, and I am writing to let you know about them. Below are the company names along with the dates that I received the inquiries. 
XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX Balance Owed : {$0.00} Date OpenedXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am not responsible of those accounts. I am a victim of ID theft. People have used my information to open them and also make fraudulent activities. 

+ XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXXXXXX XXXXXXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : 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 Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXXXXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXXXXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX + XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX + XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + XXXX XXXX XXXX XXXX 
Inquiry : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, XXXX Credit Bureaus must update or get rid of the following accounts from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

This situation started on   XX/XX/XXXX  after rec eived a fictitious/scam email about participating in a   XXXX   XXXX   program. The email appeared to come from a former colleague, but the email was hacked. Fast forward - on   XX/XX/XXXX  , I deposited a check into my  XXXX  account for {$2800.00}. The supposed purpose of this check was to complete a   XXXX   XXXX   assignment. The person who sent me this check,  XXXX   XXXX , was creating a scam under the name    XXXX   XXXX   XXXX  , who  is a real company and I received the invitation through a hacked email from a former colleague.     After I began receiving signals that made my uncomfortable, I told this gentleman that I was uncomfortable and would like to return the {$2800.00} that was deposited by check into my   XXXX    account o n  XX/XX/XXXX . H e told me to send the money back by wire/ACH using  Wells Fargo  bank,  XXXX   XXXX , Acct :  XXXX , routing number  XXXX . I initiated this request the morning  of  XX/XX/XXXX  fro m my  XXXX  account.     Unfortunately, the morning of   XX/XX/XXXX  I rece ived word from  XXXX  that the original {$2800.00} check deposit o n  XX/XX/XXXX  was  rejected due to an inactive or non-existent account. ... thus scamming me by the creation of the wire/ACH t o Wells Fargo .       XXXX   XXXX   XXXX   verified this person does not work for this company and that it was is a scam.     I am trying to do everything I can to freeze the {$2800.00} of funds that was se nt to Wells Fargo  account  XXXX  in response to the fraudulent activity of the account owner.     For the record my reference to my FTC complaint is  XXXX .
Product: Money transfer, virtual currency, or money service

Saturday XX/XX/2023 I was contact from XXXX from my aunt account. She told me that her account was not working ( Bank account ) and she needed to send some money urgently, so, she sent me a phone number to see if I could send her some money and she The told me she would paid the next day. She told me to make multiple transactions. I never called to the directed phone number. In That moment I was with some family and my aunt that was supposedly asking me for money, called the family I was with and told them to say that her account has been hacked and they were asking around for money the the family members The phone number that they sent over was under XXXX XXXX XXXX and it was XXXX When I realized what was going on I tried to called my bank. They never answered. I was desperate and did not what to do, so I called XXXX and they help me to contacted me with a police XXXX. In that moment I was in a XXXX XXXX eating in XXXX because I was in my way to Oklahoma with my uncle XXXX XXXX and aunt XXXX XXXX And granpa XXXX XXXX -the name of the aun that had her XXXX XXXX is XXXX XXXX Because of that reason, they kindly helped me to started a report for fraud ( incident number XXXX ), they send me a link to upload the proof, and I did It. However, a few minutes later, police officer called me backed to tell me that my report was not able to proceed because my address was not in XXXX I tried to called my bank 3 times and I was in hold for more that 50 min and they hung up on me 2 times The 3th time the helped me to start the report but they said the were not able to cancel the transaction because they did t have that access and who does has that access works just Monday through Friday XX/XX/2023 I started a police report with all the evidence that I have and the give me the number report. XXXX XX/XX/2023 I called my bank to the fraud department and told me my case was denied and closed because they tried to contact the bank that received the money that I sent and the account was closed and didnt have the founds on it ( i mean, thats they work! ) I tried to give me the number report from the police and they told me that because the close everything they were not able to get and they were no open to help me anymore They basically told me that I lost my money already I did a report with XXXX and FTC AS WELL
Product: Credit reporting or other personal consumer reports

These accounts were illegally opened in my name without my consent or knowledge. I have tried to contact these companies multiple times to no avail. Please REMOVE these IILEGAL items off my credit report. Thank You! 

XXXX XXXX Ba Balance {$140.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XXXX XXXX XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XXXX XXXX XXXX XXXX XXXX XXXX  Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report on XXXX, I noticed various " hard inquiries '' from companies from which I've never applied for a loan. 

On my XXXX  report, a hard inquiry is shown Curo Management, LLC dated XX/XX/2021. I did not apply for any product with Curo ( or any brand or company owned by Curo ) on that date. 

I reached out to Curo via email on XX/XX/2021, and followed up on XX/XX/2021, asking them to investigate and remove these unauthorized hard inquiries. I did not receive a response. 

On my XXXX  report, a hard inquiry is shown from XXXX XXXX for the same date, XX/XX/2021. I contacted XXXX customer support on XX/XX/XXXX and followed up again on XX/XX/XXXX, but the team did not investigate the unauthorized hard inquiry nor remove it from my report. 

I would like these unauthorized inquiries removed from my credit reports, as they are damaging my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX  XXXX Balance : {$91.00}, XXXX XXXX XXXX XXXX  XXXX Balance : {$470.00}, XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$12000.00}
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off/Collection XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX Personal Info : Also Known As : XXXX, XXXX, XXXX Employers : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023 Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023 Also Known As : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022 to remove these accounts which are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove these accounts or information not later than 4 business days after the XXXX XXXX, 2022. Ive already included this in my previous Complaint # 's XXXX ; XXXX ; XXXX & I am including it again. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$50.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a US citizen who moved the XXXX to attend university in XXXX and have lived full time in the XXXX from XXXX to XXXX. 

It is XXXX now and am returning to the USA and have been offered a position in the finance sector. The employer has processed a background check for me including pulling my credit report of which i have had no need to check as I have not needed to use my credit.

It has been discovered that I have two fraudulent credit card accounts opened in my name from XXXX, 2 years after I had already begun to live in the XXXX. One of the cards had been used up until XXXX and the other up until XXXX before being charged off and transferred to a company called XXXX XXXX XXXX. 

Acct XXXX Balance {$2200.00} Open date XX/XX/XXXX Charge off date XX/XX/XXXX XXXX XXXX Acct XXXX Balance {$3500.00} Open Date XX/XX/XXXX Charge off date XX/XX/XXXX I can attest that these are not my accounts and that I had no knowledge of opening them or using them to my benefit. These are fraudulent credit card accounts and would like them to be removed from my credit report immediately