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

I HAVE BEEN AFFECTED BY THE XXXX 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 - Date Opened XX/XX/XXXX Account Name : XXXX  XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a credit inquiry made by XXXXXXXX XXXX  without my authorization on XX/XX/year>. I have attempted to contact both TransUnion and XXXXXXXX XXXX XXXXo resolve this issue, but I have not received any satisfactory response from either party. My complaint has been ignored, and it seems that my concern is not being taken seriously. 

As can be seen in my credit reports, I do not have any open accounts with XXXXXXXX XXXX and therefore, I demand that this unauthorized inquiry be removed immediately. 

This incident is negatively affecting my credit report, and I believe my rights are being violated. I request prompt resolution and the removal of this unauthorized inquiry from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went a dealer to get a car and they told me they were only running my credit for one lender which was XXXX. They lied and now I have unauthorized inquiries on my report. Tried to file a dispute through Experian, XXXX, and XXXX and was unsuccessful. The system would not take the dispute and even when I called them they stated that the inquiries would be removed between 24 -72 hours. Nothing happened. Also In accordance with the Fair Credit Reporting act. The List of companies below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Experian : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Financial Consumer Rights being violated : 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 an account without my written instructions. 
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

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

XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I am in the process of filing for debt relief and was advised that I had to reach out to the company and request a stop payment. I was advised that I had to follow the procedures listed in the contact in order to request said stop payment. Upon reviewing my contract, it only states the following and gives no address or specific address to do the cancellation. 

AUTHORIZATION FOR ACH ELECTRONIC FUNDS TRANSFER PAYMENTS : I hereby authorize any third party processor, on behalf of Mypaydayloan.com, to initiate ACH debit/credit entries to my bank account for all payments due under this Agreement, including any returned unpaid item fees due, as well as all payments due under any future renewal Agreements. I further authorize the Financial Institution at which my bank account is held to debit/credit the same to such bank account. This authority is to remain in full force and effect until any third party processor, on behalf of Mypaydayloan.com, and the subject Financial Institution have received written notification from me of its termination in such time and in such a manner as to afford the third party processor on behalf of Mypaydayloan.com, and the Financial Institution, a reasonable opportunity to act on it. I understand that I may cancel this authorization by providing written notice to the third party processor on behalf of Mypaydayloan.com at least three ( 3 ) business days prior to the payment due date. I further understand that canceling my authorization does not relieve me of the responsibility of paying all amounts due in full. Customer understands that payments through the ACH system are not a condition for credit, and Customer may make payments by mail, or other approved methods upon written notice. Customer also acknowledges reading the Electronic Signatures In Global and National Commerce Act Notice ( below ), and consents to use documents in a digital form. In addition, any contracts and payment authorizations will be considered binding in a digital format.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Write up n accordance with the Fair Credit Reporting act 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
Product: Credit reporting, credit repair services, or other personal consumer reports

BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX I have asked to get deletions of these accounts off my credit report but they refuse to do so. The Debt is not valid at all. No documents show proof of these were authorized by me. I need proof showing these belong to me.

15 U.S. Code 1692g - Validation of debts Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor.

( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
Product: Debt collection

For the past 3 months every few days we receive XXXX to 4 phone calls starting around XXXX. When I answer the calls no one speaks then after XXXX to 17 sec it goes into a busy signal. Finally, I called the number. When I spoke to someone they asked for my adult daughter who has n't lived here in 5 years. I said she does n't live here and the women hung up. My husband gets home from work at XXXX. Every time the phone rings it wakes him up. Calling our home at XXXX would be like calling someone a XXXX every 2 days ... It is almost as if the goal is to harass since they have never spoken to us!!!!
Product: Credit card

I receive my statement from BMO Platinum credit card and the statement never shows when my promotional balance ends to avoid the high interest rate charges. Should that be on each statement like it is for my other cards?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem with Equifax taking a charge off from XXXX XXXX off of my credit report. The account is not mine and I have never done business with them ever. They are located in Tennessee and that is where my son 's ex wife lives and she has gotten money in my name and has done this several times as we had no idea about it until she left and went back to Tennessee. We are still paying the price for what she did when she was married to him and taking our social security numbers and other forms of ID to get money in our names. I am sick and tired of trying to get this removed from my credit report and would appreciate some help with this. Thank you for your time and for the help in getting this issue resolved. I have contacted Equifax numerous times to get it removed and they refuse to do so. I don't have a phone number to call them at or I would be on the phone with them already and get this taken care of. I know they have had a security breach but that should have already been fixed and yet I am still having to fight with them to get this taken off. I would appreciate any help you can give me on this. Thank you again and I hope this time will be the last time I have to deal with this.
Product: Credit reporting or other personal consumer reports

My personal information was compromised between XXXX and XXXX when my storage unit was broken intoand a XXXX XXXX with all of our documents such as birth certifi cates, ss cards, medical records, etc after my son'swas released from the XXXX XXXXXXXX XXXX XXXX XXXX XXXX and we moved to XXXX with only whatwe can carry. Then when i went back to our storage with a truck to bring the rest of our stuff back in when inoticed it had been broken into. This has caused undue hardship for all of us, me especially I have been trying to dispute numerous times but to no avail. My sister who is a XXXX  said i needed to file an identity theft report which i did.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX. 
account # XXXX. 
account # XXXX. 
account # 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 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$760.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance XXXX {$2000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXXXXXX XXXX ( Original XXXX XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$930.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$1000.00} US DEPT ED XXXX Balance : {$930.00} US DEPT ED XXXX Balance : {$1300.00} ; XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$740.00} XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$240.00} XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX.
Product: Credit reporting or other personal consumer reports

This vehicle loan has been paid in full. XXXX XXXX XXXX has failed to update the account balance and status
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX  XX/XX/year>
Product: Mortgage

My daughter, filed bankruptcy last XX/XX/XXXX to stop the foreclosure on our home. Due to my illness I was not well enough to file. Once she filed the mortgage company has worked out a curved with the trustee. To sell our home.. and when I called, to try to work out something with the mortgage company I was giving all this wrong information and no help. Surely my daughter is only on the deed of the property. I 'm on the note, and deed of property. We 're force to be homeless due to an aggressive trustee, wanting to make money for himself, and a mortgage company with no morals. Trustee going to court to ask for my part of property to sell our home.which the mortgage company could have work out something with me to be able to sell my own home.. not be force by trustee and his realtor .. so they can make money .. and my family and I will become homeless. My granddaughter who is XXXX years of age has been approach by strangers coming and lurking on our property asking her all kinds of questions about the house being for sale.. I hope that Shellpoint Mortgage Servicing will not get a chance to do this to another family.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX XXXX XXXXXXXX and TransUnion are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the Consumer reporting agencies XXXX and XXXX and TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, TransUnion XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Never informed me of my right to exercise my nondisclosure option. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX and TransUnion are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Mortgage

I want to report an issue with Amerihome Mortgage. They overpaid my property taxes to XXXX XXXX, and despite XXXX XXXX refunding the overpayment to Amerihome on XX/XX/2024, Amerihome has not reconciled my escrow account. 

As a result, they continue to bill me for an erroneous payment due and have reported negative information to the credit bureau, affecting my credit score. I request that Amerihome rectify this situation immediately and update my credit report and payment history accordingly. 

Loan # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from AMEX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called AMEX and they said their system mistakenly put me on paperless billing, which I did not request, and it caused me 60 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and AMEX with no successful resolution. XXXX, XXXX, and XXXX reporting me 60 days late. There was an error on their part. I was never 60 days late.
Product: Credit card

Summary of Issue American Express falsely markets the Hilton Honors XXXX XXXX ( {$550.00} annual fee ) as offering easily redeemable Hilton benefits ( free night certificates, elite status perks, and loyalty rewards ). 

Hilton deliberately obstructs benefit redemption using IT system limitations, conflicting customer service information, and restrictive policies that make it nearly impossible for consumers to access the benefits they paid for. See attached letters for specific details. 

Both companies profit from unredeemed benefits, misleading consumers into paying for a product that does not function as advertised. 

Attempts to Resolve * Over 20 hours spent attempting resolution. 
* 10+ calls and multiple emails with both companies. 
* Escalated to American Express Executive Office, but they refused accountability and redirected the issue to Hilton. 
* Hilton also refused to resolve, further obstructing benefit redemption. 

XXXX & XXXX Damages * {$550.00} annual fee charged for a product that failed to deliver its promised benefits. 
* {$4900.00} in lost productivity ( 20+ hours at $ XXXX ) due to misleading marketing and failure to resolve the issue. 
* Emotional frustration & unnecessary hardship from deceptive business practices.