23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX - XXXX - XX/XX/XXXX - {$3200.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$850.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2800.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$780.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$110000.00} INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with inquiries I did not authorize, please delete
Product: Credit reporting or other personal consumer reports

I've sent a letter to all 3 bureaus with laws backing my request. Haven't heard a response or seen an update on my report. I've attached a copy of the letters I've sent to them certified mail.
Product: Money transfer, virtual currency, or money service

The account was some how close with no information on why nor notice and the account withhold funds and the company withhold my personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to request an immediate removal of fraudulent inquiries and accounts that appear on my XXXX, XXXX, TransUnion consumer report. Ive sent letters with attachments of identification to each bureau disputing the inquiries and accounts listed below and that they are fraudulent as well and nothing was done. Also I had to put a fraud alert on XX/XX/XXXX on all three Bureau due to the fraud activity that was taking place. I've reported the activities to the FTC, which will be attached to this letter. This matter is very tormenting to my family and has hender us in so many ways. My son is unable to attend this private school due to financial reasons dealing with means of my consumer report. I demand these accounts and inquiries to be blocked and removed immentidaley. 

Accounts : XX/XX/XXXXXXXX Account Number : XXXX XX/XX/XXXX - {$0.00} XX/XX/XXXX Account Number : XXXX XX/XX/XXXX {$150.00} XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX {$690.00} XXXX XXXX XXXX XXXX Account Number : XXXX XX/XX/XXXX XX/XX/XXXX Account Number : XXXX XX/XX/XXXX {$1600.00} Inquiries : XX/XX/XXXX, XX/XX/XXXX,,XX/XX/XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an issue with the New York State department of child support. It has been on my account since XXXX and was showing in collections and the early XXXX until now every time I try to dispute it to have it removed. It gets pushed back further and further, as far as removal dates, this has been an ongoing issue and its making me live a poor quality of life due to not being able to get credit cards and financing mean home loans at affordable rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently saw activity on my credit report that was not done by me. This item showed up on my credit report on XX/XX/2018 : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Inquiry Type : Individual Requested On : XX/XX/2018 I have contacted XXXX/Walmart at XXXX and they claim they have no record of an account with my information or any pending applications. XXXX  told me that they would need a letter from XXXX/Walmart in order to remove the hard inquiry. I can't get a letter from them because they have no record of any transaction using my info.
Product: Checking or savings account

On XX/XX/2023, advertising on XXXX caught my attention, offering XXXX XXXX puppies on the site https : //poeticcanecorsobreeder.com/available-puppies we always wanted to have. I communicated with the breeder by email and text and got the contract. We did some research online and found that the site is hosted in the XXXX ; the person with the name associated with the XXXX account exists in XXXX, WA, address provided in the contract is real in the XXXX country of XXXX. And we paid for the order through our bank app, XXXX payment method of $ XXXX shipment promised to be arranged for XX/XX/XXXX. On XX/XX/XXXX, we were contacted by the shipping company and asked for an additional {$1500.00}, including {$30.00} for a temperature-regulated crate rent and {$1500.00} as a refundable deposit for this crate insurance that they will refund us at XXXX airport XXXX cash. The transaction must be done on XXXX too. At this point, we suspected fraud and called the number provided by a shipping company. We contacted the seller and asked them to arrange the shipping with the legit company or refund the money. We requested a direct refund with the XXXX option from the person we paid to and got no result. On the same day, XX/XX/XXXX, we put a dispute on the transaction with our Huntington Bank, and they opened case # XXXX and promised to investigate. But in reality, no one investigated anything, and they just brushed us off. They said they closed the case because I authorized the transaction. I gave my authorization to pay for a puppy, but I never authorized the scammer to rob my account for {$850.00}. I never before even had a XXXX account. I opened this option on the Huntington Bank application on the day of this transaction. XXXX and my bank operate at the XXXX border ; therefore, they must follow the same laws and regulations, preventing fraudulent activities using our banks and financial services. They have the ability to find out who is committing these crimes and where the money they sent is. They are supposed to protect and work for customers but not cover up thieves. Could you please help me to recover the {$850.00} stolen from my bank account with no service or goods ( well, a puppy in my case ) provided? 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive a dispute letter to XXXX and XXXX on XX/XX/XXXX and followed up with a second letter that was sent on XX/XX/XXXX. I have not a response nor receive a response by mail. The late payment for Best Buy, XXXX and XXXX XXXX needs to be removed immediately since its been 30 days and also reporting different date for late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Account # : XXXX, is still reporting incorrectly. This account has been PAID IN FULL and CLOSED by " XXXX '' from XXXX XXXX 

XXXX XXXX XXXX XXXX is still reporting my credit card balance as {$1000.00} on both XXXX and XXXX but has been paid down to a balance of {$36.00}. Account # : XXXX
Product: Payday loan, title loan, or personal loan

This lender is in a class action suit because its a predatory loan with 7000 % interest. 



IN THE UNITED STATES DISTRICT COURT FOR THE NORTHERN DISTRICT OF ILLINOIS EASTERN DIVISION MATTHEW HALL, ) on behalf of Plaintiff and the class ) members described herein, ) ) Plaintiff, ) ) v. ) ) MINTO DEVELOPMENT ) CORPORATION ; ) BENHTI ECONOMIC ) DEVELOPMENT CORPORATION ; ) XXXX XXXX XXXX ; ) MINTO FINANCIAL d/b/a Minto Money ; ) and JOHN DOES 1-20, ) ) Defendants. ) COMPLAINT CLASS ACTION INTRODUCTION 1. Plaintiff, XXXX XXXX, brings this action to secure redress against the making of usurious loans to Plaintiff ( Exhibit A ) and other Illinois residents by Defendants Minto Development XXXX ( XXXX ), XXXX XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ), Minto Financial d/b/a Minto Money ( Minto Money ), and XXXXXXXX XXXX XXXXXXXX. 
2. Plaintiff seeks a declaratory judgment that the loans are void and an injunction against their collection ( Count I ), damages pursuant to the Illinois Interest Act, 815 ILCS 205/6 ( Count II ), damages and injunctive and declaratory relief pursuant to the Illinois Predatory Loan Prevention Act, 815 ILCS 123/15-1-1 et seq., and the Illinois Consumer Fraud Act, 815 ILCS 505/1 et seq. ( Count III the Predatory Loan Prevention Act provides that violations are a violation of the Illinois Consumer Fraud Act ), and treble damages under RICO ( Count IV ).

-1- C
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lodged disputes with XXXX and Wells Fargo with the belief they have reported negative items to my credit report not in compliance with Consumer Protection law.  Specifically, the FCRA and the FDCPA. I most recently requested them to investigate beginning in XX/XX/XXXX, and followed up in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of the security data breach for XXXX and XXXX and I checked my credit report and saw credit card accounts and loans in my name starting in XXXX of XXXX  that have become delinquent but I never opened these accounts on my own which let me know that Ive become a victim of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called CBNA customer service to advise them that I did not inquire anything or apply to any cards or loan with their company. The representative gave me an adress. I mailed them a letter and yet havent received a response.
Product: Debt collection

This debt has been paid in full. Previously, this debt was held by another agency. I reported and demonstrated proof of payment and the debt was removed from my credit report. 
On XX/XX/XXXX, I called and spoke with a representative by the name, XXXX. She informed me that this debt was in fact valid and she was looking at the documents in my file. I requested this information be sent via mail and she disconnected the call after telling me she is unable to do so. This debt is NOT valid. It has been resold and any attempt to collect on this is void.
Product: Credit reporting or other personal consumer reports

Recently, the inquiries under an XXXX report with reference number XXXX were still present in my Equifax credit report, whereas the other credit bureaus have removed the inquiries, leaving only the inaccurate personal information to be addressed. If you do not remove the following inquiries listed below, which are inaccurately reported due to erroneous credit report entries, I will forward my documents to my attorney to initiate legal action. It is my intention to avoid any legal action, so please adhere to the law. I have also attached a new XXXX report with reference number XXXX. Please remove the following inquiries as they are unauthorized and were opened without my consent or knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- -EQUIFAX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. If you claim these inquiries are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with these inquiries that bear my signature, as I know none exist. In the absence of such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have four business days to remove the reporting of any items in my credit file that resulted from erroneous credit report entries. I do not consent to XXXX or any means of automated verification. I expect your immediate attention to this matter and a response within four business days.
Product: Credit card or prepaid card

When flying Frontier Airlines, they are offering a credit card with bonus miles. The offer was positioned as getting 60,000 bonus miles when you apply for a credit card with Barclays. Once you use the card for the first time, for any amount, you get the {$60000.00} bonus miles. When I received the card, I already had a balance of {$79.00}. It was an annual fee. This was not disclosed when the credit card offer was pitched to me. When I called Barclays to dispute, they said that in order to get 40,000 miles, I had to pay the annual fee and I had to spend an additional {$1500.00} to get the other 20,000 miles. Frontier and Barclays are pitching this offer in order to get people to apply for the card and misleading applicants in the process. You get pitched with " apply for the card, use it ONE time on any size purchase and get 60,000 bonus miles ''. But the reality is you get hit with an annual fee of {$79.00} upfront, you get 40,000 bonus miles and you have to spend another {$1500.00} in 6 months to get the other 20,000 miles. This is a misleading and predatory practice and should be investigated by the CFPB.
Product: Credit reporting or other personal consumer reports

FCRA 605B, I think, requires us to eliminate any incorrect accounts from my credit report. Can you please verify the documents? Some of the listed accounts have inaccuracies in terms of reporting, such as incorrect amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am challenging an account that Experian is reporting on my credit report. I had an agreement with the creditor to delete the account once it was paid. I sent a letter to Experian last month informing them of this, but my request fell on deaf ears. I do not believe that Experian started an investigation. I do believe that they are ignoring a lot of consumer complaints, and this violates us as consumers and violate many FCRA laws. I will attach the letter that is dated, and time stamped for your reference. I will also attach the account which clearly states that it is paid. I reached out to the creditor, and they informed that no one from Experian reached out to them to inquire about the account. I am demanding that this account be deleted from my credit report due to the agreement that I had with the creditor and the negligence on behalf of Experian. Also, Experian is not reporting accurate information. The status says paid, 60 days late, but the payment history shows different data. How is this accurate? Please see the attached documents and remove the account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Fair Credit Reporting act consumer rights have been violated. The accounts listed below have violated my federal given consumer rights to privacy amongst other things. I have been disputing with both Experian & XXXX for nearly a year, and both companies are violating my Fair Credit Reporting Act Consumer Rights on multiple accounts. I have also listed multiple sections of 15 USC 1681 in which the directly violate. Two of the most recent dates that disputes were opened are XX/XX/2023. XXXXXX/XX/2023 approximately. I have mailed in dispute letters for nearly a year now, as well as called and personally spoken with representatives from both Experian and XXXX, and still have not had favorable results. I have explained to them they are violating my consumer rights, but choose to ignore my grievances. 

They do/did not have Permissible Purpose to report these accounts, they illegally reporting TRANSACTIONS & EXPERIENCES on my consumer report, they are failing to reporting maximum possible accuracy due to the fact these accounts are tied to multiple address I was never associated with. 

XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX XXXX  Account # XXXX*** 15 USC 1681a ( 2 ) ( a ) ( i ) states the consumer reporting agencies can furnish a reporting under the following instructions : in accordance with the written instructions of the consumer to whom it relates. 
I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy.

15 USC 1681s-2 ( A ) states that A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; I have been very patient with them and trying to dispute with them in a respectful manner, but I have gotten nowhere with them. I know believe it's in my best interest the CFPB steps in and helps me resolve this matter. 

I have attached my most recent dispute letter.
Product: Debt collection

I contacted this debt collector requesting debt validation information via certified mail over 30 business days ago and I have still not received a response.
Product: Debt collection

In XXXX I was unable to make a payday loan with Check into Cash that I had renewed for over a year do to my income being cut short. In the month of XX/XX/XXXX I was able to payoff most of my collection accounts listed on my Credit Reports. I paid to Check into Cash an agreement amount of {$250.00} to settle the debt that was collected by agent XXXX XXXX # XXXX with XXXX XXXX / XXXX XXXX XXXX. Payment Conformation # XXXX issued by XXXX XXXX. The account was removed from my credit report after a process was completed in XXXX. 
On XX/XX/XXXX this was listed on my credit report as a collection account which is totally incorrect. I spoke with XXXX XXXX of XXXX XXXX XXXX @ XXXX to provide my payment information and I was told by him to dispute this matter online to an email that he provided.
Product: Credit card or prepaid card

I spoke with XXXX ( XXXX ) who advised me that your organization is unable to negotiate a settlement on the debt because the account is in process to be sold to a Collection agency. I had him verify that it isnt sold yet. I then explained to him that ownership of the account still belongs to Capital One and this procedure makes absolutely no sense as you should have the power to determine what youd agree-upon settling for since the ownership of the account is still with you. I escalated the call, spoke with XXXX supervisor, whom I was unable to obtain her employee ID, who proceeded to reiterate the same information. 

I should not have to wait until you find a buyer for the debt in order to clear this balance off with you. I will be escalating this matter to the Consumer Financial Protection Bureau, stating my claim.
Product: Debt collection

XXXX is attempting to collect a debt that incorrect, wrong info and lied to credit bureau.. on report it says acct opened XX/XX/2016 they show negative payment history from that date. when i call them and capital that info is incorrect. they give me totally different info then what they reported I asked them why are they reporting incorrect info on my report they said ask capital one but capital one is not the ones reporting it they are. what they are doing is illegal and I want this removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a hard inquiry on my TransUnion credit report. I did not authorize this inquiry nor have I applied for any product or service with XXXX XXXX XXXX  XXXX. I do not know how or why my personal information might have been used to release this report. I called XXXX XXXX XXXX  XXXX to investigate the inquiry and determine if there were any accounts created under my name. It appeared that there were no accounts created with my birthday, social security number and name. I do not believe a thorough check was conducted and I would like to have my personal consumer information protected. I am submitting two screenshots of interactions withTransUnion regarding the unauthorized credit inquiry.
Product: Debt collection

XXXX XXXX XXXX incorrectly associated me with a vehicle that is not mine and entered a missed payment of my fathers vehicle ( XXXX XXXX XXXX ) into their system. The missed payment was in XXXX 2018, after I had cancelled my insurance through XXXX XXXX and my father  had cancelled insurance through XXXX XXXX. The Credit Collections for this missed payment of {$100.00} was posted in XXXX 2018 on my credit score. 

I was never notified of this debt, via phone, email, or mail and neither was my father. I just recently found this in reviewing my credit in preparation for buying a house. I have been in contact with XXXX XXXX to remove this from my credit, but I want to ensure that it no longer affects my credit and would like to get this moved forward and removed from my record as quickly as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : XXXX XXXX XXXX XXXX XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative 1 of 2 account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately XXXX XXXX - XXXX - This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. - As a consumer by law this account must be deleted immediately. This account is also in violation Reporting a negative account.This information is inaccurate and not reporting 100 percent accurate which is a violation the account should be deleted iimmediately
Product: Mortgage

Bank of America erroneously posted a 30 day late on my second mortgage. 
I have a purchase money second on my home that I have had for 10 years. At the end of the 10 year period the loan was supposed to convert to a 15 year fixed until it is paid off. Bank of America had the loan in their system as a 10 year balloon. They began sending me letters saying I owed them the entire amount. I continued to pay the monthly payments hoping they would correct their error. After many phone calls and letters, they finally corrected the loan in their system. But they posted a 30 day late on my XXXX 2017 mortgage history. 
They admitted they were at fault and said a letter would be sent out to correct their error. The letter is ambiguous and does not clearly state that it was their error and that the 30 day late is erroneous. I called today for a more detailed letter and was told to call the credit bureaus. You ca n't just call a credit bureau. 
I am in the process of getting a new mortgage loan and this has destroyed my chances. My FICO score dropped 60 points. They are unwilling to expeditiously correct their error.