23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Please be advised that this is my SECOND WRITTEN REQUEST asking you to remove the unverified accounts listed below that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report.

In the results of your first re-investigation, you stated in writing that you " verified '' that these items are being " reported correctly ''.

Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them?

Please provide me with the name of that individual, their business address, and telephone number.

Black 's Law Dictionary, 9th Edition, 2009, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " to confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' What this means is that your company must be willing and able to produce a document in your files that proves the accounts ) in dispute belong to me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1s hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury.

As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ).

You have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to " ..promptly DELETE all information which can not be verified. '' The law is very clear as to the Civil liability and the remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the following accounts be verified or deleted immediately. 
Name of Account : Account Number : Provide Physical Proof of Verification
Product: Debt collection

This company attempts to collect an amount that I have no knowledge of. I did not make the purchase that resulted in debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$27000.00} ; XXXX XXXXXXXX Balance Owed : {$2900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago I saw looked at my XXXX XXXX credit report. On the report I saw a derogatory entry from XXXX XXXX XXXX/Fresno Credit Bureau, through XXXX for {$1500.00}. There is no identifying information about this " account. '' I have received no letters or phone calls about this from the credit bureau and I do not know what this is about. Are they allowed to just add stuff to a credit report without even contacting the person they are denigrating? My credit score is obviously lowered because of this phantom entry.
Product: Credit card or prepaid card

I was involved and purchased services from a company called XXXX. XXXX is currently being sued by the FTC and has an injunction against them from doing any business or providing any service because the services they provided have been concluded are scams and a fraud. All attempts to contact XXXX for a refund is not available because of a restraining order that is indefinite. 
I have made a dispute claim with the credit card that I used from Bank of America. Bank of America claims to have been in contact with this company even though the court documents prohibit any contact with XXXX or its affiliates. Any contact with XXXX is a direct violation of that court order. Either Bank of America is lying or they or committing an illegal act.

Bank of America also did not provide details of their investigation nor did they provide details of their contacts with XXXX   or why they have denied my claim.
Product: Mortgage

On XX/XX/XXXX, I began the process of refinancing my mortgage which is currently held with ( Wells Fargo Financial ), to a new company called XXXX XXXX. In XXXX XXXX and my request to acquire paperwork for the refinance, Wells Fargo Financial has withheld filling out the specific form needed to complete my refinance. This document is a government form called " Request of Verification of  Mortgage ''. Both XXXX XXXX and I have attempted several times to have this paper filled out, and they are refusing.
Product: Money transfer, virtual currency, or money service

XXXX. Someone deposited XXXX {$1000.00} checks into my XXXX bank accounts, made out in my name and endorsed by someone else. They XXXX themselves through the Bank Of America XXXX XXXX {$1000.00} transfers. BOA then took back the {$4000.00} of fraudulent deposited checks and will not return the {$2000.00} XXXX fraudulent transfers. That is a total of {$6000.00} withdrawn not by the account holders, my daughter and myself. This leaves me out {$2000.00} of my own money. BOA fraud department requested that I send in my phone records and make a police report. I did this. Phone records show it was not my phone at the time of the deposits or XXXX transfers. Police reports were made to FBI XXXX and local Sheriffs office. 
BOA has not responded but to say case closed. No refund. 
Each time I call BOA the wait times are well over 1 to 2 hours on hold. Many BOA numbers are not even in service. 
Please see the attached letter for complete details.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The XXXX of Accounts below has violated my federally protected rights to privacy and confidentiality under 15 USC 1681. 
Account name ( 1 ). XXXX XXXX XXXX Account number XXXX Original creditor Account type Child Support Date opened XX/XX/XXXX Account status ( 2. ) Account name XXXX XXXXXXXX XXXX XXXX Account number XXXX Original creditor Account Date opened XX/XX/XXXX Account status Closed ( 3. ) Account name XXXX XXXX XXXXXXXX Account number XXXX Original creditor Date opened XX/XX/XXXX ( 4. ) Account name XXXX XXXX XXXX Account number XXXX Original creditor XXXX Account type Auto Loan Date opened XX/XX/XXXX Account status Closed ( 5. ) XXXX XXXX XXXX Inquired on XX/XX/XXXX ( 6. ) Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( 7. ) XXXXK XXXX  XXXX Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( 8. ) XXXX Inquired on XX/XX/XXXX Business Type : Auto Reseller XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( 9. ) CREDIT XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( 10. ) XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( 11. ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( 12. ) XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Bulk Purchase Finance - General XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( 13. ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( 14. ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX ( 15 ). XXXX Inquired on XX/XX/XXXX Business Type : Personal Loan Companies XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( 16. ) US SM BUS ADMIN ODA Inquired on XX/XX/XXXX Business Type : Federal Government XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( 17. ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : Credit Unions XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX ( 18. ) XXXX XXXX Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX # Accounts has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 Section 2 : It also states a consumer reporting agency can not furnish an 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 conviction 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 reporting agency if the persons knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I was contacted by XXXX XXXX XXXX ( sp? ) on XXXX/XXXX/XXXX, regarding an online payday loan that they say i owe for, through a company called River Bend Cash. 

River Bend Cash has been trying to collect on a payday loan I did not authorize from XXXX or XXXX. 

I had a rash of online payday loans, XXXX total, that were laudered through my previous bank account. After my bank did their own investigation, they determined that there were XXXX loans deposited into my account over the span of 6 days, only to be withdrawn within 30 to 45 minutes of each deposit clearing. My bank was unable to determine how the deposits were withdrawn as there was no further electronic information. 

Due to my bank not being able to track where the deposits were moved to, my local authorities told me I did n't have sufficient information to file a police report for fraud and they recommended I shut down the account and move to another bank to avoid any further financial difficulties. 

XXXX XXXX XXXX is apparently the collection agency for this debt and have informed me that I am to be served with paperwork at my residence or work place. I have yet to see anyone show up at either location to serve me with anythng.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Reporting these items as unconfirmed information is unacceptable without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
I told Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX  : XXXX However, they stated everything was complete and accurate but how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of fraudulent activity. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXXXXXX to file a identity theft report and Per FCRA XXXX XXXX Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX & XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information, accounts and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CO XXXX XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed : {$1900.00} XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$3000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXXXXXX Balance Owed : {$6700.00} XXXX XXXX Balance Owed : {$6700.00} XXXX XXXXXXXX ( Original Creditor : XXXX ) XXXX Balance Owed : {$3000.00} XXXX  XXXX Balance Owed : {$1500.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX  XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX Balance Owed XXXX {$1900.00} XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX ) XXXX Balance Owed : {$1500.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$3000.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have no idea what this debt is about and never receive any information from them.
Product: Vehicle loan or lease

This account with XXXX XXXX with the account number XXXX, has been paid, and thus, it should be removed from my credit report. There should be no longer any balance on it and it has been closed. I have reached out to the XXXX, XXXX, and even to the furnisher but no response was ever made by both of them. They have neglected my request of giving me a response or deleting this account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ). 
advertent violation or infringement upon my consumer and civil rights
Product: Debt collection

WellFargo contacted my work number in which I advised them previously I am not allowed calls at work. The representative acknowledged the number was flagged as a number not allowed to be called and when questioned about why did she call my work, the representative disconnected the call. This call was received on XX/XX/XXXX at XXXX XXXX  A call was placed to my husband who is not on the account on XX/XX/XXXX at XXXX stating the company was unable to reach me which is inaccurate. This feels very harassing as this company called me on a number Im not allowed calls on and have told them this previously and then move forward with calling references within days of contact with me. If the representative that spoke with me on XX/XX/XXXX would not have hung up she could have obtained a new number. When I asked Wells about the XX/XX/XXXX call I was advised it not documented however I have a log of the call on my employers call log.
Product: Money transfer, virtual currency, or money service

I initiated an instant transfer from my XXXX account to my Wells Fargo account in the amount of {$3.00} on XX/XX/20. XXXX indicated funds availability on XX/XX/20. The funds were delayed by Wells Fargo and not available until XX/XX/20.
Product: Credit card

On XXXX XXXX 2016 I called Capital Once Banking customer service to receive information about getting a payment I make expedited. Before even doing so I informed the representative of this being for emergency reasons. He told me of my options and that if I pay the full last statement balance of {$140.00} I would be able to call in the following day to them and they can verify with my bank that I have sufficient funds, in which I had more than substantial to cover the payment. I did this the following morning, XXXX XXXX, 2016, approximately XXXX, entered my personal information, and the new representative verified I have more than substantial funds. He then proceeded, put me on hold, and came back to inform me that they in fact could no expedite " my '' funds, despite the verification. I had met the needed requirement, but they had not only misinformed me, but demonstrated a motive I am unaware of. As I paid a large amount of my credit card, that I did not have to, I could have paid my regular $ XXXX monthly payment. I find this unfair practice to perhaps have an ulterior motive that should be investigated. I am not only significantly affected by this, but have taken financial action I did not need to, as I could have saved myself roughly {$120.00}. Upon expressing my frustration and what I believe is wrong about this matter I was told their is nothing that can be done and was transferred to, I believe, a Senior manager. She informed me the same thing and upon seeing what she could do and further wasting time, told me their is nothing that can be done, however, she said she can credit my card only {$50.00}, which does still not resolve this issue. Despite her efforts to assist, I was informed by this same representative that funds can not be expedited, in the first place, on secured cards. Now I am unsure how the previous XXXX representatives were not aware of this as they should be subject to know the rules and policies of the company they represent. As such mislead and misinformed activity can be avoided. However, I find this as a motive on their end, in which I have paid of more on my credit card than I was subject to. I will be closing this card with them as soon as possible. And I ask that this be investigated and resolved in light of the significant affect is has on me. Thank you.
Product: Checking or savings account

We bank with Wells Fargo. We just paid our rent and checked to see if our rent check cleared on XX/XX/XXXX, when we saw a transaction on XX/XX/XXXX from a company listed as XXXX XXXX XXXX for {$250.00} that we supposedly made on XX/XX/XXXX. Not only was this transaction not authorized by us, we have no knowledge of the company. We called Wells Fargo that day to dispute, but it is still listed as an authorized purchase.
Product: Credit card or prepaid card

I was traveling internationally in XXXX, XXXX when this charge occurred. I purchased two small rugs at what should have been a total of XXXX rupees ( roughly {$120.00} USD ). The vendor said they would package my rugs and receipt to take on the plane. 

However, when I saw my credit card statement in the subsequent weeks ( after arriving back to the US ), the vendor had charged me XXXX rupees ( roughly {$1200.00} USD ). There was no receipt packaged with my rugs and no way to contact the vendor directly. 

My next step was to dispute this charge with my longtime credit card provider, but the claim was denied because they are " unable to accept estimated amounts. '' I was pretty upset about for a few reasons : 1. we use this card frequently, keeping and making payment on fairly substantial credit amounts 2. more importantly, it is an estimated amount because of the conversion rate! The vendor 's offer was in rupees, which according to today 's ( XX/XX/2023 ) exchange rate, is {$120.00} at XXXX rupees. The rate for XXXX rupees at the time of the charge ( according to my statement ) was {$1200.00}. 

I am disputing {$1000.00} which is a lesser amount when compared with recent conversion rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a FRAUDULENT item ( XXXX XXXX XXXX XXXX ) and an UNAUTHORIZED/FRAUDULENT inquiry ( XXXX XXXX XXXX XXXXXX/XX/2023 ) on my credit report. I do not have any idea regarding these fraudulent accounts on my credit report. I am not the one who initiated the inquiry. I am submitting a complaint regarding this inquiry and for assistance to REMOVE it from my credit report immediately.
Product: Credit reporting or other personal consumer reports

Please remove the following inaccurate addresses from my credit report right away : XXXX XXXX XXXX XXXX, Apt XXXX, XXXX, FL XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX These addresses are not mine, and their presence on my report is misleading and could harm my credit profile, which I believe violates the Fair Credit Reporting Act. I request Experian to update my report with only accurate and verified information. Once the corrections are made, please send me written confirmation and a new copy of my credit report. I also request that you look into how this mistake happened to ensure it is not related to fraud or identity theft and take steps to prevent it from happening again.