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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX In accordance with the Fair Credit Reporting act XXXX XXXX # 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
Product: Mortgage

I sold a property to a buyer on XX/XX/2019 after he provided a Credit Approval Letter from Fairway Mortgage Co. dated XX/XX/2019. The property was XXXX XXXX of a formal plat scheduled to be final in mid-XXXX. The seller of the property was to be paid-off in XX/XX/XXXX and the Credit Approval Letter had two pages representing " certainty '' of the buyers funds. At the end of XXXX, the buyer and seller signed at escrow and the funds were wired to escrow. Within an hour of wiring funds, Fairway M.C. contacted escrow and told it to hold the recording. On XX/XX/XXXX, the Senior Mortgage Advisor emailed escrow saying the buyer was not approved for the loan so the lender requested a reverse wire and the sale was terminated. We had ample time to sell the property but accepted the offer from this buyer based entirely on the guaranteed Credit Approval from the lender. I was forced to obtain a hard money loan that would close on time to pay-off the seller. This loan has a {$7500.00} fee and 12 % interest with a minimum 4 months interest charged equaling {$22000.00}. I contacted the Branch Manager,  Mr. XXXX XXXX over the phone and sent 3 emails showing the Credit Approval Letter and emails between escrow and Fairway at the end. There has been no reply to the email and no follow-up phone call as discussed. Mr. XXXX 's phone number is XXXX and his email address is XXXX fairwaymc.com
Product: Mortgage

We are trying to sale our home after a split. One deal initially fell through because a loan company did not verify employment until 2 days prior to the closing. House went back on the market, XX/XX/XXXX. We had an offer presented by another buyer within a day. We received title documents on XX/XX/XXXX. The closing date summarily after this was moved FIVE times. A week ago, I checked the name of the loan officer for seller out of curiosity. The loan officer is a woman from my now ex-husbands past. The contract closing date passed XX/XX/23. I believe whole heartedly the reason the loan was in such jeopardy was the loan officer 's vindictive, calculating and unethical goal to destroy our opportunity to sale our home. At the point of the contract being presented to her, the loan office should have recused herself citing the fact that there was a conflict of interest with one of the sellers because of past relationship to his family and children. Instead she proceeded KNOWINGLY in a sham of a loan attempt. This has caused unimaginable financial harm, mental and emotional harm and unnecessary stress. I tried to call the owner of the mortgage company today, XX/XX/23 and the owner hung up in my face when trying to recount the circumstance. This loan officer should be sanctioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I attempted to temporarily remove the freeze on my Equifax credit report online, but was unable to do so. I then called Equifax 's automated security freeze number, went through the security verification process and was still unable to temporarily remove the security freeze on my account. Next, I called the customer services number, ( XXXX ) XXXX, specified on Equifax 's website to request they temporarily remove the security freeze from my report. The agent asked for my full name and social security number and my full current address. I told him I have my unlock PIN, which he informed Equifax no longer uses to freeze/unfreeze reports. So, instead, he asked me various questions which " only I would know '' pertaining to my credit report. 

The agent asked me to list off all credit/department store cards I have ever had, as listed on my report and estimated balances of those accounts as they would appear on my report. Fortunately, I was/am able to access my Equifax credit report through XXXX, so was able to provide the agent with all of the cards and balances as they appear on my report. He then asked me to provide him with the dates and amounts of last payments made to my credit cards, which I read off to him from my XXXX Bank Online Banking platform. Finally, he asked if I had ever disputed the information on my credit report and when. I stated I believed I had disputed a " late payment '' as reported by Bank XXXX XXXX, but was unsure of the date, as it was some time ago. 

The agent then processed the information I provided and informed he was unable to verify my account. I am consistently able to lock and unlock my reports with both XXXX and XXXX with ease, however always run into trouble with Equifax. Usually, I am able to process my request with Equifax by calling into their automated security freeze telephone system, however this time none of the three methods attempted worked. 

Equifax was responsible for my information being leaked during their 2017 Data Breach. As a result, I have spent countless hours ensuring my financial information was secure and have been victim to thousands of dollars worth of attempted fraudulent transactions on my bank/credit card accounts. Given this, the fact that they are unable to verify my credit report details as belonging to me is extremely disturbing -- unacceptable, really. 

Having reasonable and easy access to one 's credit report is vital in order to successfully apply for credit. Instead, Equifax is making me send them a copy of my Drivers License and Social Security Card via fax ( NOT SECURE ) for them to verify my identity and unfreeze my account. 

A company so incompetent should not be allowed to continue to exist and regulate the financial reporting of millions of Americans.
Product: Credit reporting or other personal consumer reports

Recently, I disputed an account reported by XXXX XXXX XXXX on my XXXX credit report. After a thorough investigation, XXXX deemed the debt unverifiable and deleted the account from my credit report in XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), all information furnished to consumer reporting agencies must be accurate, fair, and verifiable. The deletion of this account by XXXX confirms its unverifiability and obligates other credit reporting agencies to remove the same erroneous information from their records. 

Additionally, XXXX XXXX XXXX has violated the Fair Debt Collection Practices Act ( FDCPA ) by reporting an alleged debt without proper validation, as required under Regulation F and other applicable laws. This act of " parking '' a debt on my credit report without my authorization has caused significant harm to my creditworthiness and financial reputation. 

I have also filed a complaint with the Federal Trade Commission ( FTC ) regarding these violations. I request the immediate deletion of this account from all remaining credit reporting agencies and confirmation of the correction within 30 days. Failure to comply will leave me no choice but to pursue legal action to protect my rights under the FCRA and FDCPA.

attached can be foun two the FTC complaint, proof of address, validation of debt letter, social security card, my ID, snippet of the account deletion from experian, and a letter about the account deletion on experian.
Product: Debt collection

Repeated calls and emails I dont know who the company is I have no contract with the company. 

In accordance with the Fair Credit Reporting act XXXX Account 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 : Also states a consumer reporting agency can not furnish an account without my written instructions 15 u.s.c 1681A section ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Checking or savings account

Citi Bank for the past year has charged my checking/Savings accounts a monthly fee when all accounts had a combined total that was higher than what Citi Bank stated for " FeeFree ''. Citi Bank did not return the money that they illegally took from my accounts.
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX Balance Owed : {$190.00} XXXX XXXX XXXX Balance Owed : {$9900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a request for credit VALIDATION made pursuant to the about named Title and section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you regarding the following account number. 
The other bureaus have deleted and not been able to verify, why are you not matching this information?
Product: Credit reporting or other personal consumer reports

It is enshrined in the annals of the Fair Credit Reporting Act, under the category of 15 USC 1681 section 602 ( a ), that consumer reporting agencies have the solemn duty of guarding the fairness, impartiality, and respect for consumer privacy in their line of work. In this scheme of stakeholders, esteemed institutions such as XXXX, Transunion and XXXX operate as consumer reporting agencies and I, the undersigned, fall under the category of the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX XXXX Date : XX/XX/XXXX XXXX  Attn : Disputes Department XXXX XXXX XXXX XXXX XXXX, NY XXXX Subject : Formal Dispute of Inaccurate Account Information - Account No. XXXX Dear XXXX  Disputes Department, I am writing to formally dispute the inaccurate information reported on my credit file regarding the account with the original creditor, XXXX  XXXX XXXX XXXX. The account number in question is XXXX. 
Dispute Summary : Original Creditor : XXXX XXXX XXXX XXXX Balance Reported : {$910.00} Date Opened : XX/XX/XXXX Current Status : Collection Account, {$910.00} past due as of XX/XX/XXXX Grounds for Dispute : Inaccurate Reporting : The account is inaccurately reported as a collection account with a past due balance of {$910.00}. This information is incorrect as the account has been previously paid off and should not reflect a past due status. Under the Fair Credit Reporting Act ( FCRA ), you are required to report accurate and complete information. The erroneous information on my credit report has caused significant harm to my credit standing. 
Violation of Consumer Protection Laws : The reporting of this account violates the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1692e, it is unlawful for a debt collector to use any false, deceptive, or misleading representation. Additionally, 15 U.S. Code 1681s-2 obligates data furnishers to provide accurate information to credit reporting agencies.

Request for Action : I request that you immediately cease reporting this account to all credit reporting agencies and correct the inaccurate information on my credit file. Additionally, please provide me with documentation that substantiates the validity of this debt, including but not limited to : Proof of the original debt, including any contracts or agreements signed by me.

A detailed payment history showing how the balance was calculated.

Any communication records showing my acknowledgment of the debt.

Legal Notice : Please be advised that litigation is pending regarding this matter, as previously noted on my credit report. I expect a prompt resolution of this dispute in accordance with the consumer protection laws mentioned above. Failure to comply with these legal requirements may result in further legal action. 
Closing : I request written confirmation of the actions taken to resolve this matter within 30 days of receipt of this letter. If the inaccurate information is not corrected, I will be compelled to take further legal action to protect my rights under federal law. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Trans Union refuses to investigate the following inquiry. They asked me to file a report with XXXX. But I dont know if its identity theft. They ask me to contact the creditor. Basically they want me to investigate the account.. I have a right under the The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). yet, they refuse to investigate this inquiry. 
XXXX  XXXX XXXX  ) XX/XX/XXXX  XXXX
Product: Debt collection

LVNV ( 3 ) accounts - XXXX - XXXX - XXXX XXXX, XXXX, XXXX all three credit agencies. Seeing that you furnished information without my permission have XXXX me off. I don't have no business with XXXX and you don't have no business with me. How you got my information to harass me about this alleged debt? What authorization do you have to share private information with another third party? How did you come up with the balance? What date did you acquire? If acquired what was the price? What date did you receive an assignment? What date was you transferred the debt? By answering these questions that will help me determine if the debt and reporting is valid. Failure to respond will lead me to believe that you are using extortionate means to collect. Failure to respond will lead me to believe that you have used aggravated identity theft to furnish a repor. Be aware of 18USC894 and 18USC1028a. You are committing crimes against my Estate name. You will be held liable for using false and misleading documentation furnishing inaccurate incomplete and unveritiable information. I will not be paying a total stranger that visicted my rights and damaged my credit anything. the XXXX said owe your brother nothing but love. May you nave a lovely day.
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX Customer Service, I hope this message finds you well. I am writing to address a critical issue regarding my account, XXXX, and to urgently request the removal of an erroneous 30-day late payment status from my credit report. 

On XX/XX/2024, I made a payment of {$560.00} towards my account. Despite my diligent efforts to ensure timely payments, I was recently informed that a 30-day late payment has been recorded on my credit report. This information is not only distressing but also incorrect, as I have consistently met my financial obligations. 
As a responsible and proactive customer, I meticulously monitor my account activity and ensure all payments are made promptly. The erroneous late payment status on my account is not a reflection of my payment history and commitment to maintaining a good standing with XXXX XXXX. 

I strongly believe this error could have resulted from a processing delay or a technical glitch on your end. I kindly request that you conduct a thorough investigation into this matter and rectify the error by removing the 30-day late payment status from my credit report immediately. This negative mark is unjustly affecting my credit score and overall financial health. 

Furthermore, I trust XXXX XXXX values its customers and their financial well-being. In light of this situation, I urge you to take swift and corrective action to prevent any further inconvenience. Attached are the relevant documents, including proof of payment and correspondence records, to assist in your investigation. 
Please confirm receipt of this letter and provide a timeline for the resolution of this issue. I look forward to your prompt response and the removal of the incorrect late payment status. 

Thank you for your immediate attention to this matter. I appreciate your cooperation and understanding. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

-- - Complaint Against Arcon Credit Solutions LLC, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX I am filing this complaint regarding an ongoing issue involving XXXX XXXX XXXX XXXX ( XXXX  ), Arcon Credit Solutions LLC, and XXXX XXXX XXXX. This situation has caused me significant frustration, stress, and a violation of my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX sold my alleged debt of {$10000.00} to a non-affiliated debt buyer, XXXX XXXX XXXX, which then involved Arcon Credit Solutions LLC in attempting to collect the debt. According to XXXX XXXXXXXX XXXX privacy policy, they explicitly state that they do not share customer information with non-affiliated third parties. By selling my debt to an outside company, XXXX XXXX breached their stated privacy policy. 

In addition, Arcon Credit Solutions LLC is not licensed to collect debts in the state of XXXX, which makes their attempts to collect this debt unlawful under XXXX XXXX Despite this, Arcon Credit Solutions LLC has also reported this alleged debt to credit reporting agencies, placing their company and the debt on my credit report. This action has negatively impacted my XXXX XXXX and financial standing. 

I believe these actions constitute violations of the Fair Debt Collection Practices Act ( FDCPA ), Michigan state laws, and potential inaccuracies in how this debt has been reported to the credit bureaus. 

How This Has Affected Me Breach of trust and privacy due to XXXX XXXX actions. 

Violation of Michigan state laws as Arcon Credit Solutions LLC is not licensed to collect debts in my state. 

Negative impact on my credit score and financial reputation due to the placement of this debt on my credit report. 

Emotional distress and frustration caused by XXXX XXXX XXXX XXXX XXXX unlawful and unlicensed debt collection efforts. 

Lack of clear and transparent information regarding the transfer of my debt and my rights in this matter. 


Requested XXXX XXXX XXXX XXXX XXXX XXXX for breach of their stated privacy policy. 

Investigate Arcon Credit Solutions LLC and XXXX XXXX XXXX for potential violations of the FDCPA, XXXX XXXX XXXX and for reporting inaccurate or disputed information to credit reporting agencies. 

Require the immediate removal of this debt and XXXX XXXX XXXX XXXX XXXX company name from my credit report. 

Require Arcon Credit Solutions LLC to cease all debt collection efforts in XXXX  due to their lack of licensure. 

Compensation for emotional distress and frustration caused by these violations. 


Supporting Documents I have attached copies of any correspondence from XXXX XXXX, Arcon Credit Solutions LLC, and XXXX XXXX XXXX, as well as a copy of XXXX XXXX XXXX privacy policy, evidence of XXXX XXXX XXXX XXXX XXXX lack of licensure in XXXX, and a copy of my credit report showing the negative entry. 

I request the XXXX XXXX  assistance in addressing these violations and ensuring that my rights are protected. Thank you for your time and attention to this matter.
Product: Credit card or prepaid card

I got the XXXX corporate rewards ( XXXX points = {$250.00} ) card and I lost it in XXXX 2017. I called XXXX then to send me a replacement card immediately in XXXX 2017. I never received the replacement card and i forgot to follow-up on this request. I called the same number today and they are telling me that card expired in XXXX 2017 and there is XXXX balance on it. This is unfair because they did n't send me the replacement card and now it expired. Did they wait for the card to expire so that i dont get any money back? It is {$250.00}!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX   XXXX  Company 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 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to DELETE these unverified accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX