23daVinci/CFPB_Complaints huggingface dataset:
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. 

TransUnion : # XXXX, XXXX : # XXXX, XXXX : XXXX XXXX, has violated my rights. 


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: Checking or savings account

After having a youth savings account for 10 years or more, USAA decided we needed a signature card. The online banking system said we could do it electronically, but after walking through it with a representative on the phone it would not work. They sent us a paper form, that we filled out and returned. USAA closed the account without notification ( that we received ). I went into online banking and noticed the account was missing, so I started with the online chat. They could not help and asked me to call. I called in, and after an hour on the phone, they told me my form was received, but the account had been closed on XXXX. This week, I have asked 3 times for a manager call back, was advised they would call within 24-48 hours, and no one has called me back. In the meantime, the money we had in an interest bearing account is nowhere to be found, and this is day 10 since the account closed. 

I am attaching the transcripts of my chat conversations, the last chat I had with them this morning has not posted to my documents yet, but I will send it if needed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1975 APPLE CARD/GS BANK USA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Block of information due to identity theft Dear APPLE CARD/GS BANK USA Your company has been negligent in my recent requests in regards to negative accounts listed onto my consumer report. I never gave consent for your company to furnish any accounts on my behalf. The below accounts are a result of identity theft and I am demanding they be blocked and removed within 4 days of receipt of this letter. This request was not made in error I am competent of making this request. This request is not being made for material misrepresentation nor did I receive goods or services or moneys in regards to the transaction. If your company believes that I received goods or services it shall show proof sworn under penalty and perjury of the goods or services I have received. I do not consent to an E-Oscar response. The following accounts are listed below Account Name : APPLE CARD/GS BANK USA Account XXXX : {$8400.00} Account Number : XXXX Your company has XXXX business days to remove the above accounts listed. I am demanding that the following accounts be removed as it is directly affecting my ability to obtain consumer credit and is causing harm to my financial reputation. 

I look forward to your response.
Product: Credit reporting, credit repair services, 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. 


Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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: Debt collection

1. I can give you dates and number from which they called ; stated I owed money XX/XX/2023 XXXX caller id PFS LLC ( Phoenix Financial Services ) XX/XX/2023 XXXX caller id PFS LLC XX/XX/2023 XXXX caller id PFS LLC also called my son to convince me to pay debt XX/XX/XXXX XXXX ( twice ) caller id PFS 2. They have refused to send copy of debt, any documentation supporting debt.

3. on XX/XX/2023 they said the XXXX was down the street from my house and if I didn't pay now, I would be served and possibly arrested.

4. denied to give any information concerning the debt on phone calls 5. on XX/XX/2023 they called my son ( XXXX XXXXXXXX ) to convince me to pay the debt before they sent me to jail. 
6. all phone calls were threatening, demanding immediate payment or be arrested/sued.

7. I have checked all credit bureaus and I have no active bad debt listed.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to request unauthorized credit inquiries to be removed from my credit report. I received a copy of my credit report and became aware of inquiries I did not authorize. They are as follows. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX Enclosures : Passport, ID, Identity Theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve this issue with the XXXX bureaus for months in this account XXXX XXXX  XXXX {$18000.00} Account number XXXX. At one point the XXXX bureaus reported it as being in collection for XXXX month then they reported it being late and now closed. I have never been late as I take this matter seriously. I have requested by certified mail for the XXXX bureaus to provide full validation under FCRA and also requested them to provide documents on the company right to collect or deem its late. I have not received any such documentation. Because of this inaccuracies, I can't apply for a home loan. All my children are an adult and I have even continuously provided {$200.00} per month to help them out.
Product: Checking or savings account

I tried opening an account with Chase today only to be denied citing XXXX as the reason without any other information as to what was the true cause. I have also run my XXXX report and it showed I have nothing there as well.
Product: Credit reporting or other personal consumer reports

These Inquiries & Accounts are incorrect since i do not recognize them, please investigate them and delete them : Account : XXXXXXXX XXXX XXXXXXXX Account number : XXXX Balance : {$120.00} Date opened : XX/XX/year>XXXX  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
Product: Credit card

I've consistently made timely payments on this account, never letting them become overdue. I'm uncertain about the reasons for reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error should be corrected.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN IN CONTACT WITH BANK OF AMERICA SEVERAL TIMES AND EVEN WENT OT THE LOCAL BRANCH IN XXXX NC AND TALKED TO XXXX THE BRANCH MANGER. SHE REACHED OUT TO THE LOAN FRAUD TEAM AND THEY STATED THIS LOAN WAS DEEMED AS FRAUD SEVERAL YEARS BACK AND I WILL NOT BE RESPONSIBLE FOR ANY DAMAGES AND THEY WILL REMOVE ALL NEG INFORMATION OFF MY CREDIT FILE AND THEY WILL NEVER REPORT ANYTHING OF THIS ACCOUNT TO MY CREDIT FILE. I SENT IN POLICE REPORTS AND FTC IDENTITY THEFT REPORTS AND COURT DOCUMENTS AND ID AND PROOF I WASN'T EVEN IN THE COUNTRY WHEN THESE LOANS WERE TAKEN OUT. I HAVE NOT LOST MY HOUSE ON A NOTE CALLED IN FROM XXXX XXXX XXXX BECAUSE IF THIS CHARGE OFF ON MY CREDIT FILE. XXXX AND XXXX KEEP BLOCKING THIS ACCOUNT AS FRAUD BUT BANK OF AMERICA KEEPS UNBLOCKING IT AS TRUTH. I WENT BACK TO THE LOCAL BRANCH IN XXXX NC AND THE BRANCH MANGER CALL THE FRAUD INVESTIGATIONS TEAM LEADER AND SHE PUT HIM ON SPEAKER AND HE STATED SEVERAL TIMES THIS ACCOUNT IS SO OLD THEY HAVE TO GO TO THE BACK OFFICE AND REQUEST THE DOCUMENTS BUT YES ITS NOT REPORTING TO ANT CREDIT BUREAUS AND YES YOU ARE NOT RESPONSIBLE. I STATED BOA JUST REQUESTED TO PUT THIS ACCOUNT BACK ON MY CREDIT FILE AS OF TODAY AND THEY HAVE KNOWLEDGE ITS NOT MINE AND ITS FRAUD. HES WORDS WERE DISPUTED IT AND HE'LL NOTE THIS ACCOUNT AND SEND A MESSAGE TO THE TRADE LINE DEPARTMENT TO HAVE IT REMOVED AGAIN AND BLOCKED INTERNAL. THEN HE STATED I NEEDED TO FILE LEGAL ACTIONS FOR BANK OF AMERICA CAUSING YOU TO LOSE YOUR HOUSE FOR NEGLIGENCE AND EVERYTHING HE SEES ITS NOTED AS FRAUD. THEN HE STATED THIS IS NONSENSE ON THE PART OF BANK OF AMERICA. AS OF XX/XX/XXXX I FILED LEGAL ACTIONS AGAINST BANK OF AMERICA FOR FINANCIAL RUINS. BOA KEEPS USING AS ITS SEEMS TO BE THE SAME ISSUE. THE LOAN FRAUD DEPARTMENT IN FLORIDA WITH BOA STATED TO KEEP UPDATE THEM THROUGH CFPB WITH NEW INFORMATION CONCERNING THIS PROBLEM. BOA HAS NEVER PROVIDED EVIDENCE ON THIS LOAN AND THE POLICE SHOW AND PROVES I WASN'T EVEN IN THE COUNTRY WHEN THESE LOAN WAS GIVEN. MY EX WIFE IS THE ONE WHO GAVE THIS LOAN AND APPROVED THIS LOAN FOR HER NEW HUSBAND. SHE WAS FIRED AND CHARGED BY BOA FOR BANKING XXXX AND EMPLOYEE FRAUD. I HAVE NOW FILED A LAWSUIT AGAINST BOA WITH XXXX XXXX IN XXXX NC FOR FINANCIAL CREDIT RUINS AND BOA LEGAL TEAM HAS ALREADY BEEN IN CONTACT WITH ME TO SETTLE THIS CASE BECAUSE THEY EVEN STATED THEY SEE IT WAS DEEMED AS FRAUD BACK IN XX/XX/XXXX BY THE XXXX XXXX XXXX DEPARTMENT AT BOA. BOA KEEP SENDING MESSAGES TO THE CREDIT BUREAUS TO UNBLOCK AND THEY HAVE REQUESTED INFORMATION TO PROVE IT WAS ME AND THE COURTS HAVE REQUESTED THE INK TO PAPER SIGNED DOCUMENTS FOR THIS LOAN AND BOA LOAN DEPARTMENT FRAUD DEPARTMENT CANT PROVIDE THIS INFORMATION AND ALL THEY HAVE IS WORDS TO SAY. THE BOA LEGAL TEAM EVEN REQUESTED THE DOCUMENTS AND THEY CAN'T EVEN GET THEM FROM THERE ON CLIENT.
Product: Debt collection

On XX/XX/2023 at XXXX received call and voicemail from " XXXX '' a male with a foreign accent, representing Commenity Bank regarding a current credit card debt caused by XXXX.
Product: Payday loan, title loan, or personal loan

My truck I worked very hard for was taken XXXX XXXX. It had a title loan on it. They took it and sold it. They claim I last paid XXXX XXXX. I did not even have the truck and filed a release of liability with the XXXX when it was illegally taken. They put the wrong date on my credit report to cause me problems. I did not pay on the truck as it was taken illegally. Please get them to put the correct date. When it was taken it was paid in full. XXXX XXXX did this and filed false criminal charges against me with XXXX.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shalli ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Please remove the following items from my credit report, immediately : Inquiry : XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry : XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Mortgage Reporters XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Inquiry : PXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX Business Type : Mortgage Reporters XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX Inquired on XX/XX/XXXX Business Type : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXX Account number : XXXX Account type : Credit card Date opened : XX/XX/XXXX Open/closed : Closed Status : Paid, Closed. 
Status updated : XX/XX/XXXXXXXX XXXX XXXX
Product: Mortgage

We submitted our packet to Ocwen via XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2015. They asked for additional documentation on XXXX/XXXX/2015. We provided requested documents on XXXX/XXXX/2015. As of XXXX/XXXX/2015, Ocwen is showing a complete financial package. Our housing counselor, XXXX XXXX with XXXX XXXX, has been in communication with Ocwen in regards to our file. In XXXX 2015, we became concerned because we were past XXXX days and still had no decision. We were told that we were waiting for a response from our investor, XXXX XXXX, and that it can sometimes take up to XXXX days for a decision. XXXX kept up contact every XXXX business days with Ocwen. As of XXXX/XXXX/2015, our last communication with Ocwen, we are still pending a decision. Our complaint is in the fact that it has been XXXX weeks, and we still have no decision. We have also submitted an escalation XXXX XXXX XXXX.
Product: Credit reporting

unable to secure checking account because of information on credit report of Equifax. made several attempts to have information cleared but no response from Equifax. This information on credit report is related to notice of class action settlement. Case XXXX vs Equifax. Case # XXXX Violation of Credit Reporting Act.
Product: Credit reporting

back in XXXX 2016 i use equifax to look at my credit report XXXX is a void order number i have chat with customer services they agree the number is wrong i try to have them remove the number from the account because i can not see all complete dispute
Product: Checking or savings account

In XXXX of 2024 Home Depot credit fraud protection notified us that someone was charging on our Home Depot Credit card it XXXX Ill. We live in XXXX XXXXXXXX Colorado . Home Depot closed that card and Issued us a new card. After XXXX day I did not receive the card call Home Depot and was notified that the card was sent to my new address in XXXX Ill. Again I reported the card as lost or stolen and had the address corrected to XXXX XXXX XXXX XX/XX/XXXX I noticed a payment for XXXX from my checking account for ACH online payment Home Depot . I again called Home Depot credit and again was on the phone for over XXXX hours locking down my account. Getting the address corrected again, closing the online account so now one could make a payment online and putting a pasword PIN on the account so the address could not be changed. I was assured that these action would stop the issue as the online account was closed, so no one could make a payment without calling in and a Pin # would need to be give to access the account. On XX/XX/XXXX a unauthorized ONLINE ACH PAYMENT FOR XXXX was posted to my checking account I again called Home Depot Credit and was again assured that the online account was closed and AGAIN HAD TO HAVE THE ADDRESS CORRECTED because they had sent a new card to Illinois address. This time the criminal requested a credit increase on MY ACCOUNT and Home Depot gave it to them! 
On XX/XX/year> I AGAIN noticed a UNAUTHORIZED ACH ONLINE PAYMENT FROM MY CHECKING ACCOUNT TO Home Depot this time for the amount of XXXX I again called Home Depot and was again assured that it could never happen again. However while I was on the phone the the customer rep someone had just posted another payment on my account that had not yet been presented to the bank for over XXXX. When I balanced the account I found another payment for XXXX on XX/XX/XXXX of 2024 that I have reversed as well. At this time I feel that Home Depot has been fraudulent with my personal information and has been complicit in an attempted felony on me for over XXXX not including the XXXX charge that was noticed while I was on the phone with the Customer Rep. I have sense put in place a stop payment of all ACH payment to Home Depot I will walk into the store and make payment by check since Home Depot has been habitually negligent with my banking information!!!
Product: Credit card or prepaid card

My XXXX XXXX XXXX account had a total of 4 promotional purchases and 1 revolving purchase as follows : 1. {$13.00} revolving, due to the adjustment in the application of a previous payment which I was not made aware of at the time. 
2. {$4400.00} promotional balance due XX/XX/XXXX 3. {$390.00} promotional balance due XX/XX/XXXX 4. {$720.00} promotional balance due XX/XX/XXXX 5. {$17.00} promotional balance due XX/XX/XXXX The due date on my account was XX/XX/2020. On XX/XX/XXXX I paid the promotional balance of {$4400.00} in full to avoid accrued interest, this payment was applied correctly. I then called to ask about the minimum amount due on the remaining promotion balances ( this information is not listed on the monthly statement ) so I could make an additional payment to cover those, as well as the full revolving balance. I was told those amounts were {$13.00} ( # 3 ), {$26.00} ( # 4 ), and {$5.00} ( # 5 ), for a total of {$44.00}. I made this inquiry because I was charged a {$2.00} minimum finance charge the prior month because of how a previous payment was applied. 

On XX/XX/XXXX I made an additional payment of {$65.00} to cover the {$44.00} minimum due as well as the revolving balance of {$13.00} with a few dollars to spare to insure that I would have no balance remaining that would be subject to finance charges. I spoke with the credit card company twice on XX/XX/XXXX when I made the payment requesting assurances that it would be applied to the balances as I detailed above. I was told that could not be verified until my next statement was generated on XX/XX/XXXX and if the payment was not applied correctly that I could call and it would be adjusted. 

On the XX/XX/XXXX statement only {$5.00} was applied to the revolving balance resulting in another " minimum finance charge '' of {$2.00} which equates to an APR of 180 %. I was willing to let it go once but not 2 months in a row, As soon as I received the statement I called yet again on XX/XX/XXXX and spoke to 3 escalating levels of " supervisor ''. All were happy to adjust my payment as I had originally intended and requested but adamantly refused to reverse the finance charge, even though it would not have been generated if the payment was applied as I requested on XX/XX/XXXX. 

I realize this is only {$2.00} but if standard operating procedure has no mechanism for consumers to direct how extra payments will be applied until AFTER finance charges are accrued that needs to be remedied. I'm sure this is not an isolated incident and other unsuspecting consumers are being charged as well.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor 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 verifiedthat these items are being reported correctly? Who verified these items? 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 CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

Please CORRECT the items, or inaccurate information, from my file immediately & send me the results to the address. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX