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

Macys Credit Card Account : XXXX Macys pulled my credit without my consent. 
I spent hours and weeks. I tried to properly communicate with the Macys store. Poorly trained and when I tried to kindly address the situation to resolve it. I received very terrible responses. I did not create this problem but yet I have to fix it and call, inquire, question and it horrible the few that actually know what they are doing. Now we are going into XXXX and inquiries are still on my credit reports. I am also filing an XXXX since Citi bank is financial institution on the Macys card. This has taken so much time and because of these actions I have returned a {$1000.00} of purchases. I have emailed the ceo and contacted the executive office of Macys as to make sure the complaint is well known. Its sad how people hate there job at Macys and do not care to be ethical. It dies not take XXXX months to remove an inquiry/inquires. 
Its horrible to spend time of non sense because the system is broken. Look at the thousands of complaints on line. This will not be tolerated and accountability should take place. Absurd that XXXX person dos not handle!
Product: Credit reporting or other personal consumer reports

REMOVE / DELETE all CREDCO / XXXX XXXX ( XX/XX/XXXX / XX/XX/2023 ) XXXX XXXX XXXX XXXX  ( XX/XX/2023 ) Remove all of the LISTED INQUIRIES below. 

REMOVE NON-MAILABLE ADDRESSES : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX THIS ADDRESS IN PARTICULAR WAS NEVER AUTHORIZED/ NO AFFILIATION / NEVER USED OR SUBMITTED BY ME Remove non mailable address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MAILABLE ADDRESS are not permitted. 

I DID NOT AUTHORIZE OR CONSENT. XXXX XXXX XXXX XXXX
Product: Debt collection

Jefferson Capital ; Collection agencies. 
This Company use many different telephone numbers are not identified. 
Use 7 or more telephone numbers and different persons and threats of unjustified charges.
Product: Vehicle loan or lease

A conflict hapoened when the dealer decided not to deduct the down payment of XXXX dollar. I took the loan on XX/XX/2014. They took the car and sold it in an auction. Yet they still demand money.
Product: Debt collection

Hello, this is in response to XXXX Please see the attached information regarding my emergency room debt with XXXX XXXX. As you can see, on XX/XX/XXXX, they were advised that I did not have insurance and a discount was applied. Please review to see why the amount you are providing me is showing the procedures without the applied discount. Please reach out to the hospital to verify the debt you purchased.
Product: Mortgage

In XXXX XXXX We obtained a conventional 30 year mortgage from PNC Bank As we did not have enough down we were required to add Private Mortgage insurance ( PMI ) to our loan In XXXX of XXXX we reached out to our loan officer at PNC XXXX XXXX who said the PMI would end in XXXX of XXXX automatically or we could pay Pnc XXXX to have their appraiser reevaluate the homes value See Next XXXX XXXX So I tracked down your loan, etc. Your PMI is scheduled to go away this XXXX. Here is a copy of the disclosure you signed and the instructions required to get it taken away. I know how much you loathe, I mean LOVE details. 
Anyway. In XXXX if you do n't feel like reading this attachment, call me and I 'll help you with it. I know you 've got nothing but time on your hands in XXXX ( ha ha ha ). 
XXXX XXXX PNC As the PMI payment of XXXX for 5 months would equal the XXXX appraisal fee we elected to wait until XXXX for it to end In XXXX I reached out to XXXX XXXX as we were still being charged the PMI and received the following e mail So I checked on this, and now it appears that the PMI will fall away on the XXXX payment, a nice XXXX present, and that you should get a letter in the mail advising such. 
IF you dont get such a letter, let me know. 
Doing it this way doesnt cost you anything. But according to XXXX your home is now worth about $ 650k. So you are in great shape. 
I asked about why we thought it was supposed to come away in XXXX and the service person couldnt answer that. 
Let me know if I can do anything else. 
XXXX XXXX PNC If I had known in XXXX that the PMI was being charged for another year I would have paid the XXXX appraisal fee PNC has pulled a bait and switch on me
Product: Mortgage

I believe XXXX XXXX and XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Nevada, XXXX ( XXXX  ID XXXX ) is operating under criminal collection practices. I mailed a check to this company through my credit union 's bill pay system. The check was received on XX/XX/year> and I waited until around XX/XX/year> to call and start to inquire why it hadn't been cashed and applied to my loan. I talked to XXXX different representatives, that all told me my check had been returned as non-sufficient funds and not applied. I check with my credit union, and this was not the case. I was never charged a nsf by my credit union, and the check had never been attempted to be cashed. I told the representative that this was not true, and I would like to make a payment via phone, XXXX female representatives refused to allow me to make a payment, and stated I was being threatening when I asked for a supervisor to address the call. Further lies were told by the first representative, she stated there were not any supervisors or managers in that day to take calls which I stated to be a lie, and I was hung up on. I tried back and the next representative told me the same lies. This company also sent field call agents to my home address that were parked in my ditch and approached me without identification when I was taking my daughter to school. A second field call representative knocked on our door on a XXXX  interrupting our family time with no identification. We have a newborn baby in the home, and it has become very harassing and stressful to me and my family. I then began to file a XXXX XXXX XXXX complain and began to read other complaints. The other complaints were exactly the same lies I had been told. The representatives told them their checks were never received, or they were returned for nsf and they would argue and lie to them, the customer and not allow a payment over the phone. I believe a federal investigation should be initiated in this companies ' collection methods. It seems they are telling false information to customers and not cashing checks on time to collect more interest and fees for their own gain. I find this company to be a disgrace and would like to request a new mortgage lender to handle my loan. There are lies and harassment being done to customers that is on a criminal level.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX please remove any other variation of my name. I have several addresses that appear that are not mine please delete the following : XXXX XXXX XXXX XXXX APT XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX APT XXXX, XXXX, OH XXXX These are not my phone numbers or work numbers please delete they do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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: Checking or savings account

I had a fraudulent charge from Bank of America they closed my account randomly and put me in XXXX n ews I disputed the charges and they said they was gon na remove me from XXXX. This been on going for years.
Product: Mortgage

This is my 3rd complaint on this company their are continuously going on up on my mortgage without reason. Last statement I received stated that I had a overage of {$38.00} with to me means {$38.00} too much. I also called them and tried to find out about my payments going up over the overage but, I keep getting the run around. I was not given the chance to pay the {$38.00} so that it wont be added into my mortgage. By law I should have been given that option. I have called 3 times in XXXX alone. No one has returned the calls I left with their account specialist. They keep putting me on hold and hanging up or just going to different voicemails. For some reason they keep doing escrow analysis on my account and going up on my mortgage. I have had 2 done in less than 6 months. I feel like their just trying to find a reason to go up on my mortgage. That law states that escrow analysis are done annually. Which is once a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dont have any knowledge about the accounts stated below.My personal information has been compromised. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX ( Original Creditor : XXXX XXXX OF XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX ( Original Creditor : XXXX XXXX OF XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Debt collection

It is believed that XXXX Drivetime has used deceptive practices to give the impression that they loaned money for my vehicle. After researching their prospectus listed on the Security Exchange Commission, they state that they are only servicers of contracts. Further research on the NMLS and the Department of Finacial Protection sites, XXXX is listed as a debt collector. It only has a license to collect debt in the state of California, there is no mention of a license to lend money to consumers. I have uploaded the attached request for debt validation and am requesting that the CFO provide the information as requested within my letter within the timeframe provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I submitted a dispute to the major credit reporting agencies ( XXXX, XXXX, Equifax ) due to the impact of erroneous accounts being placed on my personal credit profile. Despite providing the required proof of me being a victim of Identity Theft according to these agencies and the congressional act ( FCRA Sec. 605B ) I am still being haunted by these erroneous accounts.
Product: Credit reporting

There is an address on my Equifax credit report that is incorrect. I have never lived in that city in my entire life. I know the street name is XXXX and the city is in XXXX, Michigan. This is the address I 'd like removed. Please investigate and let me know what I can do to get this address removed. It 's not on my XXXX report. Not sure if it 's on my XXXX report. I appreciate your help. Thank you.
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. 

Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX and list of Inquiries. 


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 to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Consumer Loan

American Credit Acceptance XXXX, SC XXXX On XX/XX/XXXX I received from American Credit Acceptance an Account Summary stating No Payment is Due Until XX/XX/XXXX. 

In a letter dated XX/XX/XXXX I received a letter stating I Owe {$800.00} for Late Payments. 

I have the Account Summary in writing stating No Payment Was Due until XX/XX/XXXX. 

The letter dated XX/XX/XXXX said if payment for full Amount of {$800.00} is not received by XX/XX/XXXX They plan on repossessing the car. 

I want an investigation into American Credit Acceptance For Criminal Investigation for Fraud. I purchased this Car paying XXXX. {$2000.00} down in Cash. 

Waiting for your reply. 

XXXX
Product: Debt collection

I am writing to raise a serious concern regarding a debt collection placed on my consumer report by I C SYSTEMS, I have reason to believe that they have not followed the proper protocol as outlined in the ( FDCPA ). 

I C Systems placed a debt on my consumer report WITHOUT providing me with any information to dispute the debt. I did not receive any prior communication from I C SYSTEMS regarding this debt. I only became aware of the situation when I checked my consumer report and noticed a significant drop in my credit score due to the addition of a collection account. 

I promptly request that I C SYSTEMS provide me with debt validation within the legally mandated 30-day period. I also request that additional information in be provided to me in the letter to futher validate the debt. 

I am certain, that I C SYSTEMS actions are in violation of the FDCPA. Their failure to provide the necessary information and validation of debt before placing the account into collections is deceptive collection practice. This situation not only unjustly affects me but also violates the regulations meant to protect consumers! 

I kindly request your assistance in addressing this matter and ensuring that I C SYSTEMS is held accoutable for their actions.
Product: Credit reporting, credit repair services, 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. 


XXXXXXXX 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 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: Checking or savings account

I received a zero-interest loan due to the federal shutdown in XXXX of 2019. To get this loan, I had to switch my Banks, transfer all my automated withdrawals, etc. Some few kept slipping through the cracks, reopening my account and the bank charging interest on credit they forwarded to my account. This has happened every month since XXXX, and every month I have called BBVA to fix this and every month I have been assured my account is closed and nothing can reopen it.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX of 2023 under the account number XXXX with a balance of {$25000.00} This account has resulted in several fraudulent hard inquiries appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned account or hard inquiries as reported. The aforementioned account and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account and hard inquiries are the result of identity theft and fraud.
Product: Bank account or service

We checked our account today to find that it was OverDrafted after PNC decided to submit ODF fees into our account before processing our deposit that was made Saturday night and did n't process until Monday evening. 

We called them to try and get them to reverse it and they advised our account does n't qualify for that. Mainly because something like this happened back in XX/XX/XXXX and they were nice enough to do so then. 

I asked the rep how you qualify and he advised that they do n't have a set time frame for when you would or if you would again. 

I do n't know what else there is to do, it seems like PNC does n't care about their customers or the fact that their Virtual Wallet does n't update or process in real time. 

It does n't even keep a running balance when certain transactions process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to EQUIFAX with this complaint. I sent them a letter with respect to the errors in my report, for example, date of last action, date opened, date revealed, installment status and so on. They claimed to have conducted a thorough investigation, despite the fact that it took them more than 30 days to finish it. Anyway when I checked my report, I saw no progressions made by any stretch of the imagination. The false information are still being reported. My privileges have been abused various times. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. 15 U.S.C 1681 segment 604 A Part 2. It likewise expresses a shopper revealing organization can't outfit an account without my composed guidance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Midwest Recovery System has fraudulently reported an account on my credit that I did not open with XXXX XXXX this year. The address of the company is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MO. The telephone number is XXXX. The amount that I supposedly owe is {$740.00}. This company has also been calling me daily in regards to this fraudulent account. I discovered this fraudulent account from my credit report and disputed it with XXXX. I was not able to do so with XXXX and XXXX, but I will if applicable. Please assist me in getting this fraudulent account removed from my credit history.
Product: Debt collection

I never authorized my medical information to be released to this debt collector. Because the medical account is private information that should not be reported on this account because you're violating my privacy. This is a clear XXXX violation due to its failure to comply with any aspect of XXXX standards and provisions detailed in 45 CFR Parts XXXX, XXXX, and XXXX. I demand this account be deleted from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1100.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting or other personal consumer reports

Upon reviewing my EXPERIAN Credit Report. 
My Address : XXXX XXXX XXXX XXXX, XXXX, South Carolina, XXXX. 
Please a have EXPERIAN remove all other address 's on my credit report. 

Secondly, my Employment needs to be updated as well to : Social Security Administration, as of XX/XX/year>. 
Please delete all of other employment information. 

I provided a copy of my paystub from where I work at my current address and work company and it shows my correct name I would like to use my name as XXXX XXXX XXXX
Product: Debt collection

I am being harassed with non-stop mail in debt collection requests at my parents house as well as phone calls by several debt collectors. I am under a lXXXX XXXX  and am deemed XXXX XXXX XXXX and " do not have the right to contract '' this includes taking out any loans or credit cards without my guardians consent. Also, by court order under Florida law this is ordered by a circuit court judge. Any passed debts I owed are now deemed legally obsolete by Florida law under Florida statute XXXX incapacity as I did not know what I was doing at the time of taking out any credit cards and/ or my legal guardian is responsible for paying debts not me. I have tried to reason with the debt collectors and almost all have released the debts while only 2 others remain harassing me and illegally are trying to collect a debt of a deemed adjudicated mentally incapacitated man by court order. The names of the creditors are below. I also had my identity compromised and information is listed on the dark web according to experian credit bureau. I did not open a capital one credit card in XXXX unlike XXXX XXXX is trying to claim. Regarding UCB Collections that debt is a medical debt responsible for by my health insurance in XXXX. If the creditors do not remove the debt immediately my guardian will sue them for harassing and unfair practices as a debt collector. 

UCB Collections : XX/XX/XXXX - Present. 
XXXX XXXX : XX/XX/XXXX - Present.