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

To whom it may concern Please be advised this is my second written request and final warning that I intend to pursue litigation in accordance with the Fair Credit Reporting Act ( FCRA ) to enforce my rights and seek relief and recover all monetary damages that I may be entitles to under section 616 and section 617 regarding your continued willful and negligent noncompliance. 
You are the company that that reported the unauthorized credit inquiry ( listed above ) on my credit report violating federal law. You are required under the FCRA to have a copy of the documentary evidence, verify the information on my credit report is and is correct. In the results of your first investigation, you stated in writing that the credit inquiry is verified and reported correctly. I believe you are violating the FCRA because I have not signed any documents authorizing the company in question to review my credit report. Thus, the listed inquires made without my authorization and for no legitimate business purposes. 
Please also be advised that I contacted the above companies. Since they have no proof of my inquiry authorization, written or verbal I ask that you delete the unauthorized inquiries from my credit report immediately. 
According to section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S Code 1681b in general. Subject to subjection ( e ), any consumer report agency may furnish a consumer report under the following circumstances and no other : ( F ) Otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S Code 1681i, Paragraph ( 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 information is found to be inaccurate, incomplete or can not be verified the consumer reporting agency ( i ) promptly delete. 
IMPORTANT : This credit inquiry is not mine. Please, re-investigate this matter and delete the disputed items as soon as possible before I am forced to take legal action against your company. This law is very clear as to the civil liability and the remedy available to me ( 15 U.S Code 1681 et seq. ) My FTC Report is attached the report number is XXXX  I know your company needs some sort of verification to prove my identity. My information is clearly shown below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Name : XXXX XXXX XXXX Date of Birth : XXXX XXXX XXXX XXXX if you fail to comply to federal law. I am a litigious consumer and fulling intend on pursing litigation in this matter to enforce my rights under the FCRA!
Product: Credit reporting or other personal consumer reports

After receiving no response to my initial dispute, I promptly escalated the matter by filing a second dispute with the bureau. As per the FCRA, the agency is obligated to notify the furnisher of the disputed information and provide them with all relevant documentation. 
However, they failed to fulfill this obligation, and as a result, the furnisher continued to report the inaccurate information without any verification or correction. I also requested identifying information in reference to any supporting documentation to sustain why the items Ive disputed are continuing to report. I received nothing.
Product: Debt collection

On XXXX I requested debt validation from Caine & Weiner debt collector refused to validate this debt on my credit profile when I asked the debt collector for the contract where I signed for the debt they stated they did not have those documents I have also disputed the debt with the credit bureaus but the account remains 15 U.S Code S 1692 g states that a debt must be validated 30 days as this time has passed and my rights are being violated as a citizen
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. 
Please remove this inaccurate address as soon as possible. This is not my home address. Please verify and delete it immediately. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, MO XXXX
Product: Mortgage

Hello, my name is XXXX XXXX. I can not believe that my loan once again has been transferred to another servicer SN SERVICING CORPORATION, XXXX XXXX  XXXX XXXX, AS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. 
Ive been working for a very long time with XXXX XXXX XXXX XXXX ( my previous servicer ) and now I had to start the process all over again. How many time will this go on? How many time will me and my XXXX wife suffer to get a loan modification? There is a foreclosure sale scheduled for my home on XX/XX/2019. 
From my first bank, XXXX  XXXX XXXX and they have denied me multiple times for a loan modification until XXXX XXXX XXXX transferred my loan to XXXX. I told XXXX I want to apply for a loan modification. They have told me to pay {$2000.00} for a Trial Period Payment of 3 payments. I told them I can not afford that and I asked them to apply me for a loan modification. XXXX sent me an application for a loan modification. I have filled it out and faxed the full packet to them. After 3 months they then have told me that I do not meet the qualifications for the XXXX loan modification and the representative told me to apply for the Keep Your Home California program. At this point I applied for the Making Home Affordable Program and faxed over a full packet to XXXX. After some time I yet again get transferred to another servicer XXXX XXXX XXXX XXXX, XXXX. After many months sending documents and trying to work out a loan modification plan and review XXXX XXXX XXXX XXXX XXXX XXXX transferred my loan to another servicer which is now my current servicer SN SERVICING CORPORATION, XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, whoever they are. 
I sent over a full packet to SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX. They have received my loan modification packet and is in review. 
I and my family are in a very tight spot with SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and we do not know what else to do. I can make monthly payments for this loan of around {$1600.00} for the loan, insurance and taxes. That is an amount I can afford. Please review this company and previous companies as to why they keep transferring my loan once im on the brink of being approved. Seems as though every company is prolonging the process as much as possible. 
SN SERVICING CORPORATION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are in Violation of my CALIFORNIA HOMEOWNERS BILL OF RIGHTS if they proceed with the sale of my home which is scheduled for XX/XX/2019.
Product: Debt collection

To Whom it may concern, On XX/XX/19 I received a collection notice from Credit Collection Services claiming I owe them {$670.00}. On XX/XX/19 I sent them a letter requesting certain documentation in reference to there claim. A right I have under the FCRA and an obligation that must be fulfilled in order for the collection agency to continue in there collection process. On XX/XX/19 They sent a copy of a final notice and that was it. This did not address many of my requested documentation. They did not send me any documents showing that I had signed and agreed to pay the alleged amount. They did not show how this amount came to be.They did not provide there info showing there a licensed debt collectors in both FL where I reside and MA where there offices are from. Nor there license number. On XX/XX/19 I wrote a letter in response to there incomplete response basically requesting that they complete submitting the requested documents that I requested or that they drop there claim. On XX/XX/19 they sent a collection letter pretending as if all was complete and they can just proceed with there collection attempt without regard to the FCRA. This as clear act of willful non compliance. I have attached documents supporting all my claims. If you need any info feel free to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX opened XX/XX/2016 Acct # XXXX, 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Debt with XXXX XXXX XXXX XXXX XXXX, principal remaining balance around {$24000.00}. XXXX used the identifying tokens " XXXX '', " XXXX '', and " XXXX ''. I defaulted in approximately XXXX. I started paying on the loan to a 3rd party debt collector the same year and have kept paying until XXXX when collectors stopped contacting me and I could not contact them. 
XXXX reports the debts that seem to match as " {$0.00} '' balance and transferred, but collectors are contacting me again. The information on all XXXX credit reports TransUnion, XXXX, and XXXX appear to be incorrect, and there is no other information showing that I have been paying dutifully for many years. 
I can no longer ascertain from a credit report or a contact from a 3rd party debt collector who if anyone owns this debt and whether I have paid it all or not. I believe that all " XXXX '' listed debts are inaccurate on my credit report at this time except for one showing the partial account number " XXXX '' which I have been paying on regularly through the present to XXXX XXXX 
Because I can no longer ascertain if there is a valid debt owner and I am sure that I have paid the principal balance at this point XXXX years after taking the loans out, and I can not determine how the 3rd party debt collectors found my information, I dispute all " XXXX '' debts listed on my credit reports except as described above with the XXXX account " XXXX '' which has a balance of under {$6000.00} at this time.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Collection/Charge Off : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX Late Payment : XXXX XXXX XXXX XXXX Personal Information : Employers : XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( XXXX ) : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This report aims to request the removal of all inaccurate information currently present on my credit report from all three credit agencies. Despite filing multiple disputes and providing supporting letters, the inaccuracies persist without any updates to my credit report. 

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 XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Account XXXX : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX XXXX has violated my rights. 

XXXX5 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 can not furnish an account without my written instruction 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

In XXXX I began contacting XXXX in an attempt to resolve this issue. It took from XX/XX/XXXX until XX/XX/XXXX for my account to be found. At that time G C Services had acquired the account. They contacted me and we agreed on a settlement. I was to pay {$1000.00} immediately and then make two additional payments of {$550.00} on or about the XX/XX/XXXX and XX/XX/XXXX. All payments were to be drafted from my checking account. I was told that before any payments were deducted from my checking account I would receive a written notice. I was told if I needed to change the arrangement that I could call and do so. In XXXX I called to notify G C Services that I would need to change the arrangements due to the recent death of my husband. I explained that I would have to make smaller payments. We agreed that 4 payments of XXXX would be made biweekly. This way I would pay off the account in the same time frame. I spoke with a supervisor named XXXX XXXX who assured me that the changes would be made. The changes were not made. I was told that someone filed the forms incorrectly and so the changes were not made, but that I would be reimbursed for all overdraft fees. Mr. XXXX gave me his email address and asked me to email him verification of the overdrafts and they would reimburse me since it was their error. I did receive the reimbursement, but the issue was still not corrected. In XXXX the same thing happened. The amount of {$550.00} was taken from my account again. I did not receive prior notice either. I called back and spoke with Mr. XXXX, but the issue was not resolved. They would not remove the account nor would they give me credit for the payments made because the first payment had to be reimbursed. As I explained to Mr. XXXX I could not pay more than what I had already been out of unless they were going to reimburse me the overdraft fees that I had incurred yet again. I was told that there was nothing that could be done. As a direct result of the errors made by G C Services my credit score dropped ( I was unable to pay other bills timely because the funds were not there ), I was evicted because I had to pay my rent late and I almost lost my vehicle ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

XX/XX/2016 ambulance ride to XXXX XXXX XXXX hospital in XXXX XXXX. XXXX XXXX XXXX XXXX XXXX keeps putting on my credit XXXX XXXX $ charges. The whole problem with this is that I keep telling them to contact the Louisiana Medicaid office for their payment due to being insured then and continue to be still to this day. They should have long been paid that off. I have disputed a few times but it always randomly comes back but with a more current start date. It is really affecting my life and the ability to make progress in this regressing society with these minute Ill-advised fabricated collections accts/charges. XXXX XXXX is the collection company that keeps hArassing me about the XXXX XXXX charges. Idk what is so difficult about contacting the dept of Health n hospital or whoever is responsible for paying Medicaid covered patients expenses.I thought our tax dollars also went towards Such. Guess were lied to about that too
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent account on my report that shows as a charge off but still shows a past due balance.
Product: Mortgage

Docket # XXXX XXXX XXXX XXXX XXXX. as Trustee on Behalf of The XXXX XXXX Trust Fund C/O Select Portfolio Servicing , Inc. vs. XXXX, XXXX XXXX On XX/XX/2018, Appeared in court with Plantiff 's counsel XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Phone Number ( XXXX ) XXXX Agreement to vacate property by XXXX and would receive a check for {$12000.00}. To date no payment received and I am getting the run around trying to speak with anyone that has a clue what is going on at SPS?
Product: Credit reporting or other personal consumer reports

I am writing to formally complain to Equifax regarding their failure to respond to my dispute letter and address inaccuracies on my credit report. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, I mailed a dispute letter to Equifax explicitly requesting an investigation into several inaccuracies on my credit report. These inaccuracies encompass inaccurate items and incorrect account information. Additionally, I disputed incorrect personal information listed on my credit report, including incorrect addresses and incorrect names. 

Despite my diligent efforts to rectify these inaccuracies by following the appropriate dispute procedure, I have not received any response from Equifax regarding the investigation results and Equifax has failed to provide any acknowledgment or resolution of my concerns. 

I did not receive a response back from Equifax with the investigation results. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 


Given Equifax 's failure to respond and provide the investigation results, I am now demanding that Equifax immediately and permanently remove the disputed items from my credit report. These inaccuracies not only undermine the integrity of my credit profile but also have the potential to adversely affect my financial well-being. 

I request that the Consumer Financial Protection Bureau intervene in this matter and take appropriate action against Equifax for their failure to respond to my dispute letter and address the inaccuracies on my credit report. 

Enclosed with this letter is a copy of the dispute letter I sent to Equifax, which serves as evidence of my attempt to rectify the inaccuracies on my credit report.
Product: Credit reporting

There is an address on my report for XXXX XXXX in XXXX, Texas. I have never lived in or rented a place in XXXX, Texas. I was in the military and XXXX, Texas. I have been living at my current address since XX/XX/2000. As an XXXX in the XXXX with a house note and XXXX children I did not have the money to pay for XXXX residences + care for my children and household here. XXXX is also outside of the travel area I would have had to put in for passes to travel that far. Between my children 's school attendance and my duties working at XXXX XXXX XXXX which meant that I seldom off both Sat and Sun which would have left me with no time to travel to and from XXXX even if I wanted to. I have tried to contact the address but was told that the property had changed hands many time and they could not verify any information on the person they rented to. I know that there is/was a XXXX XXXX listed in the XXXX area but it is not nor has it ever been me. I would like to have this address removed from my report.
Product: Credit reporting or other personal consumer reports

The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. 
The did not do this. 

Also, they have violated my rights even more In accordance with the XXXX XXXX XXXX Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, The did not do this. 
Also, they have violated my rights even more In accordance with the XXXX XXXX XXXX Everything has to be 100 % accurate on my credit report. 
The Credit bureaus stated my account was properly investigation but how is that possible if the open date is in inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Also the Credit bureaus took more than 30 days to complete my investigation i gave them over 30 days to send me the results snd they never sent me anything here is my certified mail tracking # XXXX, XXXX
Product: Vehicle loan or lease

I had requested 3 separate lease extensions from Ally Financial ( lease ended XX/XX/XXXX originally ). It took me 8 phone calls and finally reprinting and scanning in my signed lease extension forms to get the first lease extension until XX/XX/XXXX. I then requested another lease extension as I was going to be out of the country, signed the paperwork sent to me, returned it, and called afterwards to verify this went through. 
I kept paying my monthly payment each month and kept checking my account to make sure everything was ok- each month, I had {$0.00} owed as my balance and the account was in good standing. I then submitted a request for another lease extension in XXXX as the current extension was going to finish in XX/XX/XXXX. Ally again sent me paperwork for another 3 month extension, I completed and sent this in. My lease at this point is supposed to end in XX/XX/XXXX. 
Today, XX/XX/XXXX, I went outside to find my car gone. The car had been repossessed with zero notice, no letter sent, and no update on my account not being in good standing. I was absolutely shocked and called Ally immediately to ask. The first two representatives I spoke with had no clue, as it said my account had {$0.00} due and was in good standing. 
Finally, a few hours later, I got ahold of someone in the Recovery department ( XXXX XXXX and she told me my lease had been overdue for 6 months (!! ), and that was why the vehicle was repossessed. I had zero notice and every time I called Ally or checked online, I was told everything was fine. I had zero phone calls, emails, letters, or even messages/account updates on the Ally website from Ally. This is illegal repossession and a bad practice at the very least. I still do not know how I am going to get my car back, and with the way Ally has done business throughout the life of my loan, I am even less sure that this can be worked out.