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

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below 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 mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information. 
You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) 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. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. CODE 1681C - REQUIREMENTS RELATING TO INFORMATION CONTAINED IN CONSUMER REPORTS XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX  Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX   Delete From My CREDIT REPORT XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX  Delete From My CREDIT REPORT
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. 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 ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my 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 creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2020 Balance : {$220.00}.
Product: Debt collection

I originally contacted American Collections Ent Inc in the beginning of XXXX, 2019 to gain knowledge on how to proceed to pay past medical bills stated on my credit report. On XX/XX/2019 I was contacted by American Collections Ent Inc regarding the previous call I had with them. I was called a thief among other things, and was verbally attacked. The agent also reported that I owed far more than what my credit report states. This agent proceeded to berate and harass me at work like I personally owed her the money that was shown past due. She was extremely unprofessional and rude. I am now dealing with undue stress and anxiety from the conversation I had with her.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my XXXX  WRITTEN REQUEST. The unverifiable and incomplete items listed below 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 mine and is correct. In the results of your first investigation, 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 required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ). 

Please remove these unverified and incomplete items listed below : XXXX. 15 U.S. CODE 1692E 10 - FALSE OR MISLEADING REPRESENTATIONS XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX  Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 U.S. CODE 1692e - False or misleading representations XXXX XXXX  Account Number : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested access to my file online multiple times and access has not been given. I am totally blocked from access.
Product: Credit card or prepaid card

A credit card was opened in my name without my consent. I never received a bill from this company and once I realized what happened I immediately closed it. I have reached out to the company for a letter to take the error off of my credit report and they refuse even though I told them it was fraud.
Product: Bank account or service

I have been scammed out of my money and my bank is doing nothing to help me. I did allow this stranger access to my mobile banking, but he some how got into my bank account online. I told my bank this and they seem to find no error has occured three times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account on my credit report, which I reported to ABSOLUTE RESOLUTIONS, yet ABSOLUTE RESOLUTIONS is not removing this fraudulent account. ABSOLUTE RESOLUTIONS has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet ABSOLUTE RESOLUTIONS has refused to do this. The following is the fraudulent account : ABSOLUTE RESOLUTIONS/ XXXX which was opened at an address where I have never lived at and it has nothing to do with me.
Product: Money transfer, virtual currency, or money service

During the course of a real estate escrow a criminal realistically posing as the escrow company contacted me with instructions to wire {$78000.00} to a XXXX Bank Account with the Account Name : XXXX XXXX XXXX Trust Account. Thursday XX/XX/2018 XXXX XXXX did not take appropriate precautions : I went to my home Bank of America branch at XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX and gave the wiring instructions to the teller, XXXX XXXX. XXXX XXXX   completed the wire transfer even though the routing number did not match the address of the US Bank and THE NAME ON THE ACCOUNT DIDNT MATCH. The money was deposited to US Bank and withdrawn from the receiving account with the incorrect name by the criminal. US Bank should not have deposited my money into an account with a different name than the name I specified. Routing # XXXX account # XXXX
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. 

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

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

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

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

I recently pulled my Equifax Credit report and has been going back in forth with them disputing fraudulent accounts that they are reporting. The following accounts do not belong to me ; XXXX XXXX XXXX XXXX ( fraudulent charge off account ) XXXX XXXX XXXX XXXX ( fraudulent collections account ) XXXX XXXX XXXX XXXXXXXX ( fraudulent credit card ) I have never done business with the creditors or originators of these debts. I have supplied Equifax and these creditors with supporting information and still to date I have not received any mail or phone correspondences. 

I have asked Equifax numerous times to provide me with the proof they have to verifies these debts belonging to me, and they have failed to do so ...... 

Also Equifax has my name spelled wrong on my credit report so how did they even verify these debts belong to me .... please see all uploads
Product: Debt collection

HillCrest Davidson and associates collecting a debt I had no knowledge of owing as I was on autopay and I was told by the company XXXX rep and installer that it was all transferable to a new owner as I was selling my home and wanted to be sure it was transferrable I was told yes. I also purchased the equipment, so it was about the service and not equipment. So sing his paper to get I thought installed equipment. I set up auto pay through my bank a few months later I sold my home, and the new owner took over and transferred it to his name and the service as the equipment was paid in full. Now I 'm getting the story that I sign a contract and must pay for 5yrs of service, and the reason it was in collections was for failure to pay. Since I was on auto pay that was impossible, they stopped processing the payment as I never stopped auto pay and I was told it was all taken care of and I had to do nothing about transferring it to the new owner that it now is in new owner name. I talked at length with the XXXX and was being assisted by XXXX XXXX XXXX to work this out the number was XXXX I talked to XXXX at extension XXXX and her email was XXXXXXXXXXXX I received a message a 2 days ago but lost the number to call back that there was nothing to be done since I signed a contract for service. Not only are they getting 5yrs of service they are not providing me. Where I live has alarm service through the apartment, but Protect Your Home are also getting paid by the new owner of my old home. This home I sold was in XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I have also asked since I was paying for the service I might as well get use of it but they refuse because it is in the collection and I would have to get new service. I have alarm service provided by my apartment, and they are also going over to XXXX, so I had no use for the service. When asked how it got in collections I was told it was the failure to pay, that is not the case, they Protect Your Home stopped billing my checking account because it was in fact transferred to the new owner and he has been paying it. This Collection Company Hillcrest Davison and Associates has been calling me non-stop even while trying to get answers from XXXX They have yelled at me in ruff drill sergeant voice talking over me and calling more that once a day. I feel XXXX has been deceptive and I was never informed of this from XXXX or Protect your home prior to collections and I never stop paying but they must have stop billing monthly my checking account. Which I assumed was because the new owner did, in fact, take over the account as I was told would happen. I even called to confirm that the transfer had happened and was told by XXXX all was transferred and the new owner had it in his name.
Product: Debt collection

This account was closed on {$XXXX} balance. They want charge a overdraft charge came from XXXX when they suppose to put a stop payment and close the account when I moved to other Military Post by my personal decisions. I closed this account in good terms {$XXXX} balance and clean They leave the account open and XXXX charge me and small amount XXXX times and they charge me XXXX dollars fee when I did the correct steps to put an stop payment and close the account. The bank After this corporate mistake the Bank sold this account to Financial assistant collection and now they report and damage my credit for fraudulent fee. On multiples times I communicated and they were negative to delete the overdraft when I did the correct actions.
Product: Payday loan, title loan, or personal loan

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, TN XXXX TELEPHONE : XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX : XXXX On, XXXX XX/XX/XXXX, I applied for and received a " Pay Day Loan '', in the amount of $ XXXX, at an interest rate of 279.50 %. Due to my exhausted income, compounded with the birth/care of a newborn, I began to default on agreed upon, monthly payments. My account was transferred to collections, where again, I began to default on payments, due to adjustments both with my income and increased monthly expenses. 

On, XXXX XX/XX/XXXX, I was served a " civil warrant '', brought by XXXX XXXX XXXX XXXX XXXX, properly noticing me to appear in Court, in XXXX, TN, on XXXX XX/XX/XXXX, at XXXX ( c.s.t. ), in lieu of a suit being filed against me, for the amount of $ XXXX. 

On, XXXX XX/XX/XXXX, I received an Agreed Order of Judgement, from the Law Offices of XXXX XXXX XXXX, per our previous phone conversation, whereas I agreed to monthly payments of $ XXXX, with the first payment to commence on, XXXX XX/XX/XXXX, at a per annum XXXX of 6.9 %. On, XXXX XX/XX/XXXX, to avoid any further, potential penalties, I signed, dated, and via email forwarded the document to XXXX XXXX office. 

XXXX, I have consented to XXXX of XXXX, it was out of fear of further proceedings being taken against. Had I known about " predatory lending practices '', I would have never sought that loan.
Product: Mortgage

Recently we have had to replace 2 transmission and was just told that we now will need to replace the motor in my husbands vehicle. As we were trying to find a resolution to paying for the motor we discovered that we had a negative report that resulted in our inability to secure a way to pay for us to replace the motor. Currently we have Quicken Loans as our mortgage lender. Mortgage payments were made through automatic draft through our checking account. In XXXX of 2018, Quicken adjusted the escrow changing the monthly payment. Quicken sends an enormous amount of advertisements so we often do not open mail from them as it is always promotional items. We did not get anything in the mail from Quicken that stated must open important information enclosed until XXXX, nor did myself or my husband receive a phone message that Quicken needed to reach us regarding a change in the mortgage. Once we were notified by a letter stating, " non advertisement must open '' stating that the escrow had changed we changed the payment and sent in the additional amount. However, since it was not remedied until the XXXX payment Quicken reported that our mortgage payment was late. My payment was never late because they received the payment and kept the payment, therefore reporting that it was late is incorrect. We paid the payment as agreed and were not notified of the change that Quicken made. Quicken did not send our payment back stating that they do not take partial payments, they kept the payment therefore they can not say it was late as they had the payment nor were we notified appropriately that the escrow was changed to make the changes in a timely manner to prevent an underpayment.
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 : XXXX  - XXXX XXXX XXXX XXXX  XXXX has violated my right as stated. 

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.

This inaccurate information reporting on my credit reports with TransUnion and XXXX  is negatively impacting my credit score and ability to obtain new credit and employment.
Product: Vehicle loan or lease

In response to XXXX I am requesting OPT OUT of all consumer reporting regarding this account with BMW financial services XXXX ( See attachment ) BMW Bank of North America, needs to obey CFR. 357.13 Obligations of the United States and the Federal Reserve Banks with respect to Book-entry Securities and security interests. 

a ) Who is entitled to deal with an interest in a Book-entry Security that has been credited to a Participant 's Security Account? Except in the case of a security interest in favor of the United States or a Federal Reserve Bank or otherwise as provided in 357.12 ( e ), for the purposes of this subpart B, the United States and the Federal Reserve Banks treat the Participant as exclusively entitled to perform the following functions, even if the Treasury or a Federal Reserve Bank has any information or notice to the contrary 2 ) Book-entry Securities are redeemed according to their terms, a Federal Reserve Bank withdraws the securities from the Participant 's Securities Account in which they are maintained, and either : ( i ) Credits the amount of the Redemption proceeds, including both principal and interest, where applicable, to a Funds Account at the Bank, or ( ii ) Pays such principal and interest as directed by the Participant d ) What does a Participant need to do in connection with the Redemption of a Book-entry Security? No action by the Participant is required.

Please see attachment.