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

I want to verify the method of verification with the bureaus regarding my accounts in question. I am attaching the letters I created and mailed out a few months ago with the accounts in question. Along with my ID verification to show this is my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

The options didnt really didnt fit but I DONT FEEL I OWE THE DEBT. I purchased an XXXX from XXXX XXXX XXXX. For over 20 years weve always had an upgrade contract where we could replace & upgrade our phones in 18-24 months. ALWAYS!! Under my deceased husbands name then mine. When I purchased this phone I went straight home, plugged it in & it showed liquid in the charging port error & wouldnt charge. I went right back to the store, they couldnt duplicate the problem so they said it must be my cord. I bought a new cord. Periodically I had that issue. Ive had nothing but problems with this phone. I bought the extended warranty on the phone, I cant use the speaker because people cant understand me, it cuts out, XXXX support test trouble, I took it to the XXXX XXXX, they supposedly repaired it, left the store & it did the same thing. I was having XXXX  XXXX I needed my phone so I went back in and spoke with a supervisor, they tested it and claimed it was a provider problem. I went to the XXXX XXXX XXXX store & they laughed. After a XXXX hour XXXX where I had little use of my phone because of limited motion we tried again to get it fixed, still under warranty & with an extended warranty and since they dont test trouble they wont fix it even though they hear it. Not only that my calls have always cut off, Ive had charging issues, calls cut off, and trouble with getting the touch pad!! This was a bad phone from day 1 and if they would have exchanged it when I took it back an hour after I bought it I would have a reliable phone. So, I thought Ill stick it out until I can replace it when my upgrade period is in effect. WRONG. The representative that did my contract did not do what I asked for and did not give me the upgrade option for the first time since Ive had AT & T cell service. I think that is their fault because they should have replaced the obvious defective phone when I took it back & written the contract the way I requested. I will continue to dispute this because I still dont have a reliable phone, Im an almost XXXX year old XXXX woman that I feel they took advantage off and I think they gave me a defective phone to get it out of their inventory! 
Once this negative remark hit my credit report, one of my credit card companies lowered my credit limit on XXXX of my cards even though I pay them and all of my cards much more than the minimum monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DISPUTE. EXPERIAN BROKE THE LAW AND REPORTED UN-AUTHORIZED INQUIRIES ON MY CONSUMER REPORT WITHOUT A PERMISSIBLE PURPOSE PER 15 USC 1681b ( a ) ( 2 ). I NEVER GAVE EXPERIAN ANY WRITTEN INSTRUCTIONS, OR CONSENT TO FURNISH, OR REPORT ANYTHING ON MY CONSUMER REPORT. NO CONSENT IS IDENTITY THEFT, AND AN INFRINGEMENT UPON MY RIGHT TO PRIVACY. I HAVE ATTACHED A COPY OF THE FTC IDENTITY THEFT REPORT. I DEMAND THAT THE UN-AUTHORIZED INQUIRIES ATTACHED BE DELETED IMMEDIATELY WITHIN 4 DAYS PER 15 USC 1681c-2 ( a ).
Product: Debt collection

I initially entered into an agreement with XXXX XXXX on XX/XX/XXXX. 

Due to financial hardship, this account became delinquent and I subsequently received a collection letter from XXXX XXXX XXXX XXXX for {$230.00}. 

This account was submitted to my credit file on XX/XX/XXXX by XXXX XXXX XXXX. 

I submitted a certified dispute letter to XXXX XXXX XXXX XX/XX/XXXX. 

I never received a response. 

I submitted a 2nd dispute letter on XX/XX/XXXX and informed XXXX XXXX XXXX that they were in violation of the Fair Debt Collection Practices Act. 

I never received a response back from them. 

This account has surpassed the year statute and it is still being reported negatively on my XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are incorrectly reporting two accounts that were closed in XX/XX/XXXX. Two accounts XXXX account number XXXX, and XXXX  XXXX are actively reporting each month. Both were included in a Chapter XXXX discharged XX/XX/XXXX. XXXX  and Transunion are reporting these creditors updates every month, which may be seen as an attempt to collect a debt, a violation of the FCRA regarding bankruptcy. When I contested this practice, XXXX  and Transunion updated those accounts to look like the accounts are current as of XX/XX/XXXX. XXXX  and Transunion will not fix this, which may violate them FCRA. I have been denied credit due to this error.
Product: Debt collection

Good Evening, I received a letter in the mail this afternoon XX/XX/XXXX which was from my current employer. When I opened the envelope there was a letter that stated my company was served with a court order to withhold a portion of my wages. The request comes from a company named LVNV Funding, LLC- XXXX XXXX XXXX XXXX XXXX 

However, I was never served with a subpoena or any legal notice regarding the case against me, nor a debt validation letter stating this is mine. From documents provided through my employer, an attorney was granted a default judgment on XXXX XXXX, XXXX by XXXX XXXX XXXX XXXX. I also noticed that the address they had for me was an old po box , but they had all the resources and information to find me at my current job which isn't public information. Therefore, what's the difference from using those tools to locate me on my job in XXXX, and not using them to locate me in XXXX to give me legal notice? 

Also, in XXXX I was recovering from XXXX XXXX which I was diagnosed with in XXXX of XXXX. During those years my finances took a huge hit as well as my health and I supported myself with my XXXX check. ( I will provide my medical records ) I feel I wasn't given fair treatment or an opportunity to speak on my behalf or work on an agreement before it went this far. My rights were taken from me. Now I'm faced with having my wages garnished without being given the right of representation. And, failure to do so has now cost me additional fees ( court fees and attorney fees, etc ) that would not have applied if I was given my legal right to be notified.
Product: Credit reporting or other personal consumer reports

I submitted on-line dispute twice to all three credit bureaus ; XXXX, XXXX and XXXX to have them to update my student loans in the amount of {$97000.00} as paid in full and that the account has been closed. Pay off date which is listed in the letter is XX/XX/XXXX. Mohela which is a Department of Education Servicer sent two letters to me to notify me and stated that they have contacted and sent this information to all three credit agencies. When I received the update from XXXX and XXXX nothing has change on the credit file ; the amount of {$97000.00} is still outstanding, which effects my credit debt ratio and the account is still open. 

Mohela has been contacted again and stated they will try again and reassured me this information regarding pay off is still listed on their website However, I have retain personal copies of both letters. I tried a third time by submitting the same information in writing along with copies of the letters from Mohela only to receive the same results. 

For the third time I submitted the same information in writing to all three agencies, along with copies of the both letters from Mohela, only to receive the same updated information as of XX/XX/XXXX that the amount of {$97000.00} is still outstanding and the account is open and not closed. I gave both XXXX and XXXX a call and spoke with a representative. Both stated that they did not receive any information from me or Mohela and that this information will remain until paid in full and even after being paid in full the information will remain on my credit file for the next 10 years.
Product: Debt collection

IQ Data International IncXXXX is a third party collector. I was renting an apartment in XXXX XXXX NV. In XX/XX/2018 my lease was set to expire. The property was purchased by new owner and name the apartment XXXX XXXX. My apartment, air conditioner, stove, refrigerator, washer and dryer was in need of repairs and also the complex was roach infested. The new owners was remodeling the apartment by sections. I was told by the apartment managers that they would not be making any repairs because they were remodeling every unit with new appliances and hardwood floors instead of carpeting. I was offered to moved into a remodeling unit at increased rent and the renewal of my lease. I advised them and gave them a written 30 days notice that I did not want to move into a higher rent apartment and that I would not be renewing my lease. The building I lived in was the next building scheduled to be remodel and I was one of the last tenents. I was offer if I could move out by the XXXX of XXXX, they would agree to forgive the 24 days of my lease and any fees due. I agreed and moved out and return all keys on XX/XX/2018. They forward me a bill for cost on XX/XX/2018 and wrote them back about the fees and the agreement. They sent me an updated bill dated XX/XX/2018 evidencing the write off of all fees. However, XXXX XXXX did not want to honor the agreement and apparently sold this to a debt collector.
Product: Credit reporting, credit repair services, or other personal consumer reports

A month ago, I sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please update or correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$950.00} ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have fraudulent accounts and history that I have been trying to resolve for years, nobody listens to me, somebody used my information to obtain these credits, and yes it was my mistake not to look after my credit report for a very long time, but I want to take care of it finally. I have these accounts on my Experian credit report that HAVE NEVER belonged to me : XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX I HAVE NEVER BEEN IN ANY CREDIT RELATIONSHIP WITH THESE BANKS, I HAVE BEEN TRYING TO EXPLAIN THIS TO BANKS FOR YEARS BUT NO RESULT.
Product: Debt collection

Fact, Title 15 Chapter 41 of the U.S. Code is intended to secure my right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy rights wont be violated again due to my lack of consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish, and losses due to me being a victim of identity theft, so be it, and ; Fact, affiant is aware and has proof in the attachment labeled as Exhibits A-D, Continental Service Group , Inc. , is in violation of 15 USC 1692f ( 1 ).

Fact, affiant is aware and has proof pursuant to 18 USC 8 that I am not obligated to remit payment for bills. Exhibits A-D are the responsibility of the United States. 

Fact affiant is aware and has proof pursuant to 15 USC 1692c ( a ) ( 1 ) and Exhibits A-D, Continental Service Group , Inc. communicated with me at an unusual place and time by mailing 4 letters to my location. 

Fact affiant is aware and has proof pursuant to 15 USC 1692e ( 11 ) and Exhibits A-D, Continental Service Group , Inc. failed to state in its communication that it is attempting to collect a debt AND that any information obtained will be used for that purpose.

Fact, affiant is aware and has proof pursuant to 15 USC 1692a, Continental Service Group , Inc. is a debt collector.

Fact, affiant is aware and has proof pursuant to 15 USC 1692d ( 2 ), Continental Service Group , Inc. used profane language in Exhibits A-D to abuse me.

Fact, affiant is aware and has proof pursuant to 15 USC 1692j ( a ), Continental Service Group , Inc, furnished a deceptive form and furnished the form to create the false belief in me that it was participating in the collection of an alleged debt and not the creditor. 

Fact, affiant is aware and has proof pursuant to 15 USC 1692k, Continental Service Group , Inc. is civilly liable for violations herein.

Fact, affiant is aware and has proof pursuant to 18 USC 1341 and exhibits A-D, Continental Service Group , Inc. devised a scheme for obtaining money from me and committed mail fraud.
Product: Credit card or prepaid card

Sears Credit Card / Interst rates are to high.
Product: Debt collection

On XX/XX/2020 I was notified that a collection had appeared on my equifax credit report reported by Consumer Adjustment Company Account # XXXX balance of XXXX $ I was never notified in writing that this account was placed in collection with this agency, I called to get an account number because I never had that information, The address the have is XXXX XXXX XXXX XXXX XXXX, CA XXXX but I no longer live at that address and if they did contact me there It was never forwarded to my current address.
Product: Student loan

I worked for the XXXX XXXX XXXXXXXX for 27 years as an XXXX XXXXXXXX ( XXXX ) ( XXXX ) ( XXXX ) and was Forced to retire for reporting violations on the government system at age XXXX in XXXX. My students that was established in XX/XX/XXXXand should have been forgiven by the government as I applied, but it never took place. My loan was originally with XXXX XXXX but was turned over to Navient who is over charging students. My loan ended in XXXX at approximately {$17000.00} with an XXXX  Degree and I neve finished to get my XXXX yet my loan Went up to {$36000.00} plus. I contacted OPM who stated my loan should have been forgiven years ago. My Salary prior to retirement was {$71000.00} and now {$19000.00} annually. It is a struggle to try to maintain my current finances plus this student loan. I am a military spouse and my husband is currently suffering from XXXX and dealing with this situation and a student loan of this amount at my age is very stressful. I also have a severe physical, intellectual, or psychiatric XXXX and is in not state to repay a {$36000.00} Loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. These accounts must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I do not have a cotract with Ic System Inc. and they have posted a collection on my credit report that is inacurate.I.C. SYSTEM, INC Original creditor : XXXX XXXX XXXX XXXX XXXX details 0 % paid off Balance {$2200.00} Balance updated XX/XX/XXXX Original balance {$2200.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$2200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Payment summary XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - - XXXX - C PAYMENT HISTORY LEGEND Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement - Contact info Name I.C. SYSTEM, INC Address XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone number ( XXXX ) XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX called my ex husband and revealed that she was trying to reach me about a debt collection. I believe this practice is illegal. My private financial information should not be disclosed to others. especially my ex husband. He is the reason I am in debt. I have been in protracted legal battle over a financial settlement, and he is a lawyer. He has used the system to drag this out and forced me in debt in an effort to make me accept a bad settlement. You have not helped by disclosing this to him. Companies should not call other people in an effort to collect debt. By telling him who she worked for she was telling him I am in collections for debt. This type of tactics should be stopped! 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One continues to incorrectly report to the 3 credit bureaus & has done so since XXXX causing me personal damages in EMPLOYMENT< INSURANCE< CREDIT RECOVERY : They report the debt is : CHARGED OFF & PAST DUXXXX & HAS A CURRENT OUTSTANDING BALANCE of {$2100.00} all on the same credit line! 
If the debt was INFACT charged off as they report then there IS NO OUTSTANDING BALANCE because the charge off of the debt on the books was taken as a loss on their financial reporting therefore the report it is OWED & OUTSTANDING is in fact FALSE! 
Additionally the debt was turned over to XXXX XXXX XXXX to settle & pay on my behalf according to them CAPITAL ONE turned this debt over to XXXX XXXX XXXX agency and the payments for the settled amount were made directly to XXXX XXXX as direct by Capital ONE! 
So Capital One is also incorrectly reporting that it was CHARGED OFF instead of SETTLED + PAST DUE instead of Sent to COLLECTIONS + currently has an OUTSTANDING BALANCE DUE instead of CHARGED OFF!
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I am filing this complaint to formally dispute and request validation of a debt reported by Bridgecrest Credit Company to my credit report. I am also requesting the immediate removal of this account from my credit file due to the following concerns : Nature of the Complaint : 1. Failure to Provide Validation of Debt : o Despite my written request for validation under the Fair Debt Collection Practices Act ( FDCPA ), Bridgecrest has not provided sufficient documentation to validate the debt.

o Specifically, they have failed to provide : A copy of the original signed agreement or contract proving the debt is mine.

Documentation showing their legal authority to collect this debt.

2. Inaccuracies in Reporting : o The reported balance of {$6500.00} may include unverified fees, charges, and interest that were not substantiated.

o The Date of First Delinquency ( DOFD ) is unclear and possibly inaccurate, which could extend the reporting period unlawfully.

3. Violation of Consumer Protection Laws : o Bridgecrests collection practices appear to violate the FDCPA by failing to validate the debt as required.

o Reporting errors and potential re-aging of the account may also violate the Fair Credit Reporting Act ( FCRA ).

4. Repossession and Sale Process Issues : o Bridgecrest has not provided : A copy of the required Notice of Sale related to the vehicle repossession.

Proof of the sale details, including the sale price and how the proceeds were applied to the balance.

o These omissions raise concerns about compliance with the Uniform Commercial Code ( UCC ) and applicable state laws.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/year>