23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XXXX XXXX I received an email fro XXXX XXXX that I had a delinquent account. I found out from their web site that the account was with THD/CB, which means The Home Depot / CitiBank. 
Home Depot Credit said the XXXX statement was returned to them by the post office. No attempts were made to contact me at all., I asked why, and the supervisor told me they do n't, legally, have to do it. They said they blocked my account and that if I had gone into the store and tried to charge something I would have known that. I do n't, very often, shop at Home Depot. 
While on the phone with the supervisor I paid the balance of my account, {$130.00}, and figured everything was OK. I asked them to remove the delinquency from my account and they told me they would not do that because it was not the bank 's fault the payment was late.I wonder how long it would have been if XXXX XXXX had not notified me of the problem. 
We spend half the year in XXXX and the other half in XXXX, I always fill out the " change of address '' form at the post office, that rarely works smoothly. But I received and paid my XXXX, XXXX, and XXXX bill from Home Depot Credit. 
I have NO idea why XXXX 's bill was returned to Home Depot Credit, and they wo n't prove to me that it was. 
I have since talked to many of their " supervisors '' as well as all three credit reporting agencies. They have contacted Citi Bank to see if they could change the status of the delinquency, but they refuse saying it was not the banks fault and I should have been paying on that account even though I was NOT receiving any monthly statements. 
I was told by one supervisor that they do n't have time to " chase down '' everybody that 's late paying their bill. Another told me it would take " a skyscraper full of people '' to contact people who have problems with their account. This ca n't be true because 3 yeras ago Sears Credit, also handled by Citi Bank, called me via robot computer and told me to call customer service about my account. I do n't recall what the problem was but it was solved then and there, they said they reach out to their customers as soon as a payment is late. 
I called 4 other credit card companies, and they said the same thing, but not Citi Bank. It seems as though they are just trying to cover up some mistake they made, the did send me a check for the late fees that accrued. 
I now have a " black '' mark on my otherwise perfect credit reports of about 40 years. This is devastating to me because I 'm real proud of my credit history, now it 's messed up because of this mess. 
I 've contacted a Consumer Law attorney to see what my options are and I 'm not going to give up until CitiBank corrects their mistake.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I looked at my Experian credit report on XX/XX/XXXX XXXX  and noticed some things are incomplete and not accurate. And 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 the Individual about whom the report relates according to And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( XXXX ) of any information disputed has violated my rights. 


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

1. On XX/XX/XXXX I sent XXXX XXXXXXXX a letter opting out of reporting on one account and opt out of reporting utilization on another. They have failed to respond. As a federally protected consumer, I have the right to opt out per 15 USC 6802. According to 12 CFR Part 1001, the Consumer Financial Protection Bureau ( CFPB ) is mandated to enforce federal consumer financial laws, ensuring the protection of consumers in financial transactions. This is also found in 15 usc 6805. 

2.By XXXX  XXXX still reporting to third parties AGAINST my consent. Its a violation of my privacy. The Privacy Act of 1974, specifically under USC 5 U.S.C. 552a and 34 CFR Part 99.. This action violates the privacy protections outlined in the Privacy Act, which governs the collection, use, and disclosure of personal information.

3. A consumers right to opt out is found 12 CFR Part 1016. 

4. XXXX XXXX duties according to 16 CFR Part 660 to report accuracy, completeness and integrity of information furnished to consumer reporting agenciesXXXX XXXX XXXX has labeled this debt as charged off. A charge off is labeled as a certificate of indebtedness and is technically INCOME per the IRS Publication 4681 ( " Canceled Debts, Foreclosures, Repossessions, and Abandonments '' ). Income is NOT reportable and must be removed.

5. Please refer to the letter attached for more laws and violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted an online dispute with XXXX to remove a personal statement on my American Honda Finance account. This option to dispute the statement was available via the online dispute on their website. Om XX/XX/XXXX the dispute was closed and my updated XXXX and XXXX credit reports showed the entire positive account had been deleted. This in turn lowered my credit score. After finally getting in touch with a live rep in the dispute dept, I was told I would have to call American Honda in  order to have it put back on my report. This is unfair since it was completely XXXX  's fault.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2023 Bank of America, N.A., XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Opt-Out Notice Pursuant to UCC 11 and 15 UCC 6802 Dear Bank of America , N.A , I am writing to exercise my right to opt-out of the information-sharing practices permitted under the Uniform Commercial Code ( UCC ) 11 and pursuant to 15 UCC 6802 of Title 15 of the United States Code. I am a customer of your institution, and I wish to limit the sharing of my nonpublic personal information with non-affiliated third parties, as allowed by law. 
Please be advised that I am opting out of the following : [ ] Sharing with non-affiliated third parties [ ] Sharing for joint marketing purposes [ ] Sharing with affiliates Visa Signature Account Number : XXXX XXXX XXXX XXXX I understand that this opt-out request will apply to all account relationships I have with your institution. 
Please confirm in writing that my opt-out request has been received and will be implemented promptly. I appreciate your attention to this matter and compliance with applicable laws. 
If you have any questions or need additional information, please contact me at XXXX. Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  I XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I never had any account with XXXX. The company that I worked for was the one that had an account XXXX with them. I tried fixing this issue with them but they wouldnt listen. XXXX XXXX XXXXXXXX XXXX was the one that had an account with XXXX and not me. I need them to be removed from my account and also any negative activity from them.
Product: Credit card or prepaid card

I was charge for and Unothorize Transaction From XXXX   and I never authorized this transaction with XXXX for the amount {$240.00} I never purchased anything with XXXX   and I made a Dispute with Capital One Credit Card and the charge was Reversed and the transaction was Rebill and I never made this transaction with XXXX   and this is Fraudulent.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed unauthorized information regarding inquiries to be in lister. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is ( 1 ) a firm offer of credit, ( 2 ) insurance, ( 3 ) an application for employment, or ( 4 ) a court order. I have not authorized access to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act " XXXX XXXX XXXX '' has violated my rights. 15 U.S.C. 1681 section 602A states that I have a right to privacy. 15 U.S.C 1681 section 604A states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

I lived at an apartment complex paid all rent due, placed a deposit down. Now I am being charged {$2600.00} to replace the carpet and paint the walls. I feel that is normal wear and tear and what did my deposit go to. I do not feel I owe this {$2600.00} please help
Product: Student loan

XXXX University had me sign up for a XXXX XXXX Loan when I was XXXX without giving me any other options. They asked me to come into the location and when I was there they filed a loan request through FAFSA and XXXX XXXX and asked me to sign the paper work. Being a XXXX year old child from XXXX, I had no clue what I was signing up for, I was just happy to start school. Shortly there after I lost my job and could not work or afford my bills. At that point is when I realized what large amounts of debt I was in. I wish I would have been given the option to look into other loans but I was not. I should not have been forced to sign any papers the same day. XXXX ( XXXX XXXX ) should have given me the paper work and details and told me to think it over and research the market because it was a big decision. I was pressured to sign the paper work the same day and told that XXXX XXXX was the only company that would give me a loan.
Product: Mortgage

I requested a line-by-line accounting of the escrow account more than a dozen times, and submitted formal complaints. The company finally contacted me 1 time after the formal complaint. The representative said they would send out the requested account detail and contact me after. However, they just text dumped, without formatting, a response on this website. That response is unreadable and does not provide the information. The representative never called back or had any other contact. The company has now charged a fee because of their change and total lack of integrity, followup, or anything else they said they'd do. 
Do everything possible to avoid doing business with PennyMac Loans. Customer service, accountability, integrity, and transparency are the LAST things they care about.
Product: Credit card or prepaid card

On XX/XX/2023 I make a purchase at Beyond the Soap Beauty Ba at XXXX XXXX for the amount of {$64.00} and another for {$160.00} after the second purchase me and my wife was advise the because our purchase was over {$200.00} dollar we where allow to participate in a program the store offer call before and after in this program you get six ( 6 ) facial treatments with a facial machine at the store and they gift you {$350.00} in facial products by only authorize the store to take photos of your face fir advertising as we accept during my facial procedure with the machine I start feeling dizzy do to the effect of the machine that triggers XXXX in persons that suffer light sensitivity to lights as I suffer from XXXX diagnosis by a XXXX I was in a pre XXXX attack at that moment the sales person ask me for my credit card to make a refund in the purchase of the two product I buy because they will give me the gifts of the products for accept the before and after promotion as I give him the card for the refund I was almost out do to the XXXX at that time he came back with the bag of gifts and tell me the receipt for the refund was on the bags as I go out the store find my wife at the XXXX XXXX and she ask me how I look in the middle of the XXXX attack I find out that the machine they used on my trigger the XXXX, my wife find the receipt for a charge of {$1900.00} not the refund, we go back to the store to return the products but the employees can do the refund because the manager wasnt at the store to call the next day as we call and take us two days later to get in contact to talk me no return policy the credit card company denied my claim for no evidence but pay the merchant three ( 3 ) days later when ask me to wait five ( 5 ) days for the charges to show up I call the XXXX XX/XX/2023 and they pay on the XXXX XXXX XXXX never authorize the purchase of this products I have them on my possession waiting to be returned to the store.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following list of accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 and have also reported late payments, which is also a violation.

15 USC 1681 Section 602 A States that I have a right to privacy 15 USC 1681 Section 604 A section 2 states that a consumer reporting agency can not furnish an account without my written instructions Accounts : XXXX XXXX XXXX : XXXX XXXX Late remarks on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XXXX late remarks on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX late remarks on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX late remarks : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX late remarks : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Preferred lease XXXX late remarks : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I went to the Golden 1 credit union bank atm to deposit money. I am not a customer of golden 1 but I am with XXXX XXXX XXXX and frequently use that ATM for deposits. I accidently put my XXXX XXXX XXXX EDD debit card into the ATM machine and proceeded to make a deposit of $XXXX. The machine kicked out $XXXX, I assumed because it was wrinkled.  It gave me a receipt, and I walked back to my truck, then realized i left my card in the machine. Upon walking back up to the atm I noticed a large amount of money going back into the machine. I grabbed my card and then noticed that I'd used the wrong card, looked at the receipt and saw that it said that my transaction had been canceled.  I went into the golden 1 bank showed them the receipt and told them what happened.  They told me they couldn't help me unless b of a sent them a Regulation E form. XXXX XXXX XXXX said they have no record of the transaction and therefore will not send the form. I have been on the phone with both companies back and forth for over a week and no one will help me resolve this.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Reporting act XXXX Account, has violated my rights. 

XXXX5 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: Debt collection

I had to leave XXXX due to poor service. The company gave me horrible service since the first month. I took them to court and they never showed up. I switched over to a new company and made a. XXXX I return the phones and they would credit my account. After returning the phones XXXX sold my account. AmSher is trying to collect XXXX from me and I do not owe this amount. I emailed my contact in their office and still dont have a response. I explained to AmSher that this information is incorrect. This debt is invalid and AmSher is illegally collecting on this debt.
Product: Debt collection

CACH LLC, a Company I have no idea who they are, and XXXX XXXX XXXX are trying to collect a debt. from me. As far as I remember, I never signed any documents with the mentioned above organization. I had in the past a loan with the XXXX XXXX for a loan. I was making my payments until I lost my job in XX/XX/2015. Even without any income, I continued making my scheduled payments until I ran out of funds. At that point, I informed XXXX XXXX about my financial hardship and they agreed to work with me on making moderate Goodwill payments and try to keep the account off my credit. After several months of making payments, I got a call from claiming payments on the account and demanding a higher amount than the amount discussed with XXXX XXXX. They never identified themselves or said who they were. In fact, anytime I asked, the customer service rep would give me an evasive answer, implying that they worked for the XXXX XXXX. Under the assumption that they were still my lenders, I agreed to the new higher payments.I had checked my Credit Report, months ago and it was noted that the account had been written off, I kept making payments. 
During this period even when I was paying, calls kept coming several times a day When I could finally answer, new demands for higher amounts were demanded Because I was paying religiously, I asked first of all, why were they changing the amount when we had an agreement, ( Funds were being withdrawn from the bank ) why was I getting so many calls at work when they weren't supposed to do so especially because I was making payments, and more importantly, who were they. At this point I informed them that I was more than happy to continue with the arranged payments, but demanded to know exactly who I was dealing with. They refused to give me any information and I informed the person calling that until they could tell me exactly who I was doing business with I'd stop payments. 
As I mentioned before no written communication was given. And recently I found out that a third party Collection Agency named XXXX XXXX, XXXX has joined the venture. 
CACH LLC among other thigs, failed to provided the requested information and expected compliance. The stop payment occurred because THEY refused to provide the requested information. They also : Called several times during the day, and harras me every time I answered the phone ; Used lies or deceptions to collect the debt. They before and XXXX XXXX now, implied they could garnish my wages. All because they failed to communicate.
Product: Debt collection

I have been receiving MULTIPLE phone calls per day sinceXX/XX/2019 ( today is XX/XX/2019 ) from the following phone number ( XXXX ) associated with XXXX XXXX XXXX XXXX : XX/XX/XXXX : XXXX, XXXX, XXXX XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX : XXXX, XXXX, XXXX, XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX, XXXX, XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX : XXXX, XXXX, XXXX, XXXX, XXXX XXXX. XXXX : XXXX, XXXX XXXX. XXXX : XXXX, XXXX XXXX. XXXX : XXXX, XXXX Furthermore, I have also started receiving multiple phone calls from ANOTHER phone number ( XXXX ) associated with XXXX XXXX XXXX XXXX on the following dates : XXXX. XXXX : XXXX, XXXX, XXXX, XXXX, XXXX XXXX. XXXX : XXXX, XXXX XXXX. XXXX : XXXX, XXXX, XXXX XXXX. XXXX : XXXX, XXXX, XXXX, XXXX, XXXX I am now starting to receive letters via certified mail from the company as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX  Account is Inaccurate and Fraudulent Info reporting on my credit profile The dates of reporting are inaccurate and its been over 7 years on my credit report XXXX remove it from my credit report and it should be remove from the other credit report companies TransUnion and XXXX
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have an unauthorized hard credit inquiry removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there is an unauthorized inquiry listed. The unauthorized inquiry is listed below. 
XXXX XX/XX/2022