23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

There were multiple unauthorized charges on my credit card between XX/XX/2020 and XX/XX/2020. They are detailed on one of the attachments, a listing of all of the charges I am disputing as unauthorized. The total amount disputed initially was {$1600.00} plus applicable late fees and interest charged on these unauthorized purchases. These purchases were made through the XXXX XXXX XXXX for XXXX, a virtual currency used in the game XXXX. 
Upon noticing the unauthorized charges, I contacted XXXX to request a refund for the unauthorized charges and my request was denied. I then contacted the XXXX company and they stated that they are unable to provide refunds for anything purchased through XXXX, they can only provide refunds for purchases made directly with them. I filed some disputes on the individual transactions through the BarclayCard account website but did not receive any response for a significant amount of time. Since I wasnt receiving a timely response on this dispute, I wanted to make sure my dispute was written and delivered with the appropriate time period specified in the Fair Credit Billing Act to preserve my rights. I also cancelled that specific credit card and requested a new one given the security compromise. 
I then sent a letter, a copy of which is attached, and mailed it on XX/XX/2020 with a return receipt indicating it was received by Barclaycard Card Services on XX/XX/2020. I received no written acknowledgement of my dispute as required by the Fair Credit Billing Act. 
I then sent another letter on XX/XX/XXXX, a copy of which is attached, and it was received by BarclayCard Card Services on XX/XX/XXXX as evidenced by the return receipt for this letter. On XX/XX/2020 there was a refund of {$100.00} on disputed purchases that had been disputed via the credit cards website previously so now I was requesting {$1600.00} and fees minus {$100.00}. By this time I still had not received written acknowledgement of my dispute. 
Finally I sent a third letter on XX/XX/XXXX, a copy of which is attached, and it was received either on XX/XX/XXXX ( USPS tracking website ) or XX/XX/XXXX ( return receipt postmark ). By this time more than two full billing cycles had passed since my initial written dispute without resolution nor acknowledgement. 
As I still have not received any correspondence from BarclayCard Card Services regarding my dispute, I have decided to proceed with this complaint through the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX, EQUIFAX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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, credit repair services, or other personal consumer reports

TransUnion LLC and XXXX listed a charged off account from XXXX XXXX on my credit report the end of last year, XXXX. I disputed the information and asked for them to send proof that I indeed did own the account. They couldn't provide me with the information therefore they deleted it from my account in XXXX of XXXX due to no findings or proof. Then, in XX/XX/XXXX the account reappeared back onto my credit report and when I filed a dispute now they're saying the account is valid but sent no proof of showing their findings, just that it's valid. The inconsistency of their reporting shows how it can not be trusted. I ask that Transunion and XXXX delete the XXXX XXXX charge off from my account immediately if they can not provide me with a contract or proof that I own the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I relied upon the belief that you would do the honorable thing and remove your derogatory comments from my credit bureau files which you not only failed to do but actually changed my listing to paid charge-off which is a far worse rating in the eyes of any potential future creditors. 

In doing so, you obviously failed to realize that the Doctrine of Estoppel directly applies to this type of situation and is cause and more than sufficient grounds for my pending lawsuit against you for punitive damages in whatever amount a jury might deem appropriate for your violation of the estoppel doctrine of law. 

Here is what the Doctrine of Estoppel is and how it applies to your violations of it. In order for the doctrine of estoppel to apply, the party of the first part must make some statement or engage in some conduct upon which I have relied and acted upon which later proved to be to my detriment or prejudice. 

In your communications with me you told me that you would update my credit reports as soon as I had paid the debt to you. Quite naturally, I assumed and relied upon your statement to that effect to mean that you would mark the account as " paid as agreed '' or even quite possibly remove it entirely. 

I am quite confident that both you and a court of law will agree that such is a perfectly reasonable assumption for an average debtor to make. And so upon that assumption I agreed to pay the debt and in fact did whereupon you actually worsened my credit bureau scores and that was most definitely to my detriment and prejudice and provided me with grounds to sue you for the full amount paid plus attorneys fees, court costs and whatever additional punitive damages a jury might award me. 

Unless you move to cure your error and remove your derogatory remarks from my public records within 15 days of your receipt of this letter and provide proof of your cooperation with my demand in the form of mailing me a copy of your UDF which you transmitted to the credit bureaus demanding it's removal I shall immediately move to file against you in a court of law with jury trial demanded. 

I am quite well aware that you have a contractual agreement with the credit bureaus which covers this problem and supposedly prevents you from compliance with my demands but a contract which is in violation of the law is null and void and of no force and effect whatsoever and therefore can not be enforced either by you or upon you. Your so-called contract with the credit bureaus will not protect you for your willful violation of my rights which are protected by the Doctrine of Estoppel. 

Your failure to cure and provide me with proof of your having cured the problem within 15 days after your receipt of this letter will be considered sufficient reason to refer this matter to the courts for their resolution.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/2024 XXXX XXXX The data on my consumer report is a result of identity theft. I did not authorize the inclusion of identification transactions on my report. I kindly request that this information be promptly blocked and deleted within XXXX days. This request is not made in error nor based on any misrepresentation of facts regarding the transactions as the consumer. 

Accounts are listed below XXXX  with account number XXXX XXXX with account number XXXX XXXX  with account number XXXX XXXX  with account number XXXX XXXX XXXX XXXX with account number XXXX Addresses XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX  XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX  XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. Please see attached file for these items I am complaining.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC XXXX XXXX XXXX XXXX, XXXX  XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquires on my ( Equifax ) credit report. I recently retrieved my credit report and it showed ( 5 ) credit inquiries that I have no knowledge of ever authorizing.

I am writing to dispute the following inquiries and asking for their removal from my credit report. 

XXXXXXXX XXXX XXXX  XXXX XXXX Inquiry Date : XXXX XXXX Removal Date : XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/XXXX Removal date : XX/XX/XXXX ) -XXXX  ( Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX ) -XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX Removel Date XX/XX/XXXX ) -XXXX ( Inquiry Date : XXXX XXXX Removal Date : XX/XX/XXXX )
Product: Mortgage

I submitted a request for loss mitigation to review for options. I want to keep my home. I send Wells Fargo Home Mortgage an complete application on XX/XX/XXXX. I called to check the status of my case on XX/XX/XXXX. I spoke with XXXX # XXXX at Well Fargo Home Mortgage. He informed that they did not open a review. He stated there is a Sale Date on my home for XX/XX/XXXX.
Product: Money transfer, virtual currency, or money service

Someone is using my identity and my software data is being used for fraud
Product: Credit reporting or other personal consumer reports

This Complaint is Regarding Several Fraudulent INQUIRIES listed on my TRANS UNION Credit Report. I have reached out to both TRANS UNION and the companies in Question, each resulting in no assistance or clarity. Please see the listed Companies in question below. 
( 1 ) XXXX  XXXX XXXX date listed; XX/XX/XXXX ( 2 ) XXXX - Credit Dept date listed; XX/XX/XXXX ( 3 ) XXXX  date listed; XX/XX/XXXX ( 4 ) XXXX XXXX XXXXXXXX XXXX XXXXXXXX date listed : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX  is reporting information on my credit report that has not yet been verified. There has been a lack of response to debt verification requests made my me concerning XXXX XXXX # XXXX.
Product: Credit card or prepaid card

The company had an unannounced " planned '' outage that made their online systems unusable. I have incurred late fees since and most recently they have closed my account with no reason or authorization on my behave. I have reached out to multiple representatives with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for allowing me to submit this CFPB complaint, I have contacted experian about hard inquiries that were not authorized by me. I filed ftc reports regarding XXXX inquiries that were not authorized by me. I also sent copies of ftc reports and all documents to experian as they requested and yet still they have not removed these inquiries.its been well over 30 days for a few of these inquiries. They are in violation of my rights according to the FCRA. I have the right to an accurate credit report and also this matter should have been taken care of in a timely matter. The inquiries and dates consist of : XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 According to the FCRA I am entitled to a fine of up to {$1000.00} per violation. I have been in contact with Experian XXXX credit, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX yet nothing has been done. Please send me confirmation that these inquiries were removed immediately
Product: Credit reporting or other personal consumer reports

I've noticed some not accurate information on my file. According to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning indiviiual whom report relates. 

I've sent numerous letters asking to reinvestigate account listed below. 

XXXX XXXX XXXX XXXX Loan, this account does not belong to me, information is not accurate, never cosign or have any joint account. 

tracking # XXXX XXXX XXXX XXXX XXXX XXXX mail XXXX XXXX XXXX XXXX tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX certified mail to Experian XXXX XXXX XXXX  XXXX
Product: Credit card or prepaid card

I placed an order through XXXX ( XXXX # XXXX ) on XX/XX/XXXX for a total amount of {$7200.00} paid by my Discover card ending in XXXX. On XX/XX/XXXX I contacted the seller ( XXXX ) to cancel the order since it was sent to another address. The seller gave me excuses about different tracking # 's as to why it was sent somewhere else & I agreed to continue with the order. He then told me he was having trouble sending it & wanted me to place a duplicate order. On XX/XX/XXXX I advised him to stop the shipment & cancel my order. I never received the order & I've sent multiple forms of proof to Discover Card. They did not accept this & they are now billing me for product I never received. I just received my bill & it now shows two transactions in the same amount from XXXX. it also shows that XXXX did refund the total amount for {$7200.00} on XX/XX/XXXX. Discover billed me erroneously for 2 transactions & every time I contacted them to dispute this, they turned down my evidence. Today @ XXXXXXXX XXXX I made a last attempt to call them to resolve & reverse this erroneous charge with no resolution. I am attaching the canceled shipment by XXXX, the statements from the vendor who says he refunded me as well the proof that XXXX refunded me on XX/XX/2022.
Product: Vehicle loan or lease

Santander consumer USA I tried my best to ask them to split my payments for 6 months due to not employment and now receiving XXXX which ai n't much a month I really want to keep my SUV but Santander does not refinance loans and since they had help me in the past .. I owed way more on the vehicle than when I purchased it ... when I first financed the vehicle it was XXXX and now the pay off is XXXX I owe way more than what the vehicle is worth ... I am very hurt about this matter ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report.

Here is the list of accounts which do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX Balance : {$420.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

I have a 6-page document typed out regarding our entire almost 4-month experience in refinancing our home. There are many issues that need to be fixed at Quicken Loans in underwriting and customer service, but since our latest issue involves post-closing that is what I'm pinpointing here. If you would like to see my entire experience, I will be happy to upload that document, but it does have our names in it. 

We closed our refinance on XX/XX/XXXX. There was to be no mortgage payment in the month of XXXX, and our first payment on our new loan ( refinance ) was to be in XXXX. 

Problem # 1 ( at this stage ) : On XX/XX/XXXX, our automatic draft for our old loan ( purchase ) was generated, and Quicken Loans took a payment. 

Upon contacting them, they let us know they were waiting on a signature from us and could not pay off our old loan without that signature. 

Problem # 2 : They never contacted us about the missing signature.

Problem # 3 : The missing signature had nothing to do with paying off the old loan. It only affected our disbursement of closing funds. 

We signed the form and asked numerous questions to document why and how this happened. 

Problem # 4 : We got very few answers and were told it would take up to 30 days to refund the money they took due to their delay. 

So, here I am. Very few at Quicken seem to be concerned, and no one seems to be in any hurry to escalate. This morning, I XXXX out some comments about our experience, and I do believe this upset the company, but we still have no answers.
Product: Credit reporting or other personal consumer reports

Every time have to report 100 % accoutrements and the fail to comply by the XXXX XXXX compliance
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested proper legal documentation from XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX # XXXX .XXXX XXXX XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX {$690.00}. and {$520.00}.. I HAVE NEVER HAD ANY ACCOUNTS FOR BUSINESS WITH THEM AND I HAVE YET TO RECEIVE ANYTHING THAT SHOWS THEY ARE IN COMPLIANCE WITH FEDERAL AND STATE LAWS FCRA OR FDCPA, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts SECTION ( C ) AND SUBSECTION ( 3 ) I HAVE HAD SEVERAL DUBIOUS AND FRAUDULENT CLAIMS FROM FAKE COMPANIES IN THE PAST AND I DO NO WISH TO BE A VICTIM AGAIN. I NEED THIS ACCOUNT DELETED ASAP. I HAVE FILE A COMPLAINT WITH THE CFPB AND LOCAL XXXX POLICE DEPT
Product: Bank account or service

My XXXX was deposited into my direct express debit card acct on XXXX but when I tried to order pizza that evening I rcd a msg that there was a problem with my card and to call my bank. All I knew initially was my acct had been suspended for suspicion of fraud and my balance was less than {$100.00}. My bank was alerted after XXXX transactions were made from XXXX merchants in XXXX, CA. They did not call me and I have to wait 3-5 days to file a dispute even though the transactions are still pending so should be reversed immediately. The thief spent XXXX in 4 hours and I 'm unable to pay my rent now. I have filed a complaint with the FTC, XXXX Police Dept, and do n't know what more I can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX Account name : XXXX XXXX XXXX  In accordance with the Fair Credit Reporting act XXXX Account # 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: Credit reporting, credit repair services, or other personal consumer reports

New Information PLEASE READ : This account ( Acct : XXXX ) ( {$330.00} ) has passed the statutes of limitations. According to the Fair Credit Reporting Act : [ The 7-year ( credit reporting ) period referred to in paragraphs ( 4 ) and ( 6 ) 6 of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action 15 U.S.C. 1681c ] The first reported delinquency was reported prior to XX/XX/XXXX, more than 7 years ago. XXXX XXXX in their last response provided a letter stating that the account was CLOSED XX/XX/XXXX. This account was never re-established after being closed. I believe that this account was ERRONEOUSLY RE- AGED. I was told that there was one payment made in XX/XX/XXXX and another in XX/XX/XXXX. My records show no payments made during those years. ( even if payment had been made to the closed account, it would not have, according to law, re-established or properly re-aged the account ). For simplicity sake, I asked for verification of payments and was told that the records were not available due to age and the fact that this account belonged to a prior bank XXXX. 

I have had a very good and very long ( 20  year ) relationship with XXXX XXXX and would like to amicably resolve this issue.
Product: Credit reporting or other personal consumer reports

I was never late. Attached is the proof of deferment and approved. And also XXXXXXXX XXXX XXXXXXXX, the collateral car got totalled due to being hit while its parked. Insurance paid them off. The paid off date shouldnt be XX/XX/XXXX. And the company and insurance communicated about this.
Product: Credit reporting or other personal consumer reports

The Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., prohibits debt collectors from making false or misleading representations about the status of a debt.

I request that Experian, as mandated by 15 U.S.C. 1681s-2 ( a ), conduct a thorough investigation into this matter. This includes verifying the following : The legal basis for the re-reporting of this account after it was sold.

The current ownership and status of the debt.

Any evidence that the debt collector has the right to report the account on my credit report.

In addition to the legal obligations under the FCRA and FDCPA, I remind you that accurate credit reporting is essential for consumers ' financial well-being. Inaccurate information can have severe consequences, including denial of credit, increased interest rates, and difficulty obtaining housing or employment.

I expect a comprehensive investigation and resolution within 30 days, as required by 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). Please provide me with a written report detailing the results of your investigation and any actions taken to correct the inaccurate information Experian refuses to remove inaccurate information after several request made, I also sent them information regarding identity theft. I called multiple times and can not get anyone on the phone. Also I am asserting my right to opt out.
Product: Debt collection

There is a {$650.00} charge sent to collections in my name from XXXX that I do not owe. I knew nothing of this debt until it showed up on my credit report in XXXX XXXX. I contacted the company -- they apologized and said it would be removed from my credit report, however it is still reporting negativity. I would like this erroneous collections charge removed from my account ASAP. I am trying to buy a home and have been trying to have this removed for months. I have supporting documentation showing I do not, and have not ever owed this collections charge.