23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I have been to numerous things trying to open an account I have contacted FCC of contacted everyone to ask me to contact regarding my identity and not being able to use my social security card with any of these Banks I have tried with unemployment my social security administration I reported identity theft and no one has been able to give me no type of answer and I need someone that can explain what's going on to me or I'm going to keep following his complaints and keep on his complaints so could you please contact me and let me know what's going on thank you bye
Product: Debt collection

On XX/XX/year> validation notice was sent to Lvnv requesting information under 15 USC 1692g Sec. 809 ( b ) of the FDCPA This noticed was received on XX/XX/year> by XXXX XXXX. 



It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. 

Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful I would like more information about your firm before I discuss the debt with you. 

Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

Please provide the name and address of the bonding agent for your agency in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. 

Best Regards
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to get my free credit report from XXXX and I am unable to verify my identity, due to my name and social security number being attached to somebody else 's address and birthdate.
Product: Credit reporting or other personal consumer reports

I Recently review a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report, they ate hurting my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I had a job offer at a company and they use First Advantage background check company. They submitted the background check on XX/XX/2023. I was supposed to start XX/XX/2023. It is now XX/XX/2023 and still the background check is not complete. The company gave the job to another candidate. I am lucky my current employer let me stay but this cost me a lot of money, a big raise and better benefits. I do not have a record of any kind. I had to pass a very stringent Federal background check to get the job I have now. I have contacted First Advantage but all I get is they are waiting on the courthouse. I checked at the courthouse and they say there is nobody there that does background checks. By reading over reviews it seems that First Advantage is incompetent at doing there job and it has cost not only me but many others have lost jobs because of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wanted to buy my XXXX-year old son a new car for his birthday. I got my credit pulled at the dealership. There was stuff on my credit that I have never seen before. Please remove these things from my credit.
Product: Credit reporting or other personal consumer reports

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

I have been a victim of identity theft for the past years. There have been Fraudulent Items being reported to my Credit Report. FRAUDULENT INQUIRIES : XXXX XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX  Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ) , XXXX XXXX XXXX XXXX XXXXXXXX Date of Inquiry : ( XX/XX/XXXX ), XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ) XXXX XXXX XXXX Date of Inquiry : ( XX/XX/XXXX ). I have attached a copy of my ID and FTC report. ( Please see attachments ).
Product: Debt collection

I was mailed a statement from Wakefield and Associates for {$1100.00} in XX/XX/. After reviewing the details from the statement I was issued, I contacted an attorney through XXXX / XXXX in XXXX, Colorado. My attorney drafted a letter on my behalf and mailed it to Wakefield and Associates on XX/XX/ which concluded with the following statement " For now, and until instructed otherwise, ( my name ) asks that Wakefield, and/or any agents on its behalf, communicate with her directly about this issue. Such communications should be reduced to writing and mailed to the address set forth above. ( my name ) demands that Wakefield make no attempt to contact her by telephone. '' Wakefield and Associates contacted me via phone yesterdaXX/XX/XXXX at XXXXMT to inquire about the statement that was mailed to me in XXXX. I did not respond to the gentleman 's question. I simply replied that I was at work and did not have time at the moment to speak with him and ended the phone call.
Product: Checking or savings account

I have a business checking account with Suntrust. On XX/XX/2021 the company decided to close my business checking account with no explanation. The account has been in a no debit status since and it still has over {$18000.00} in the account. I have talked with several bank personnel in person and over the phone and have only been sited that the bank has decided to close the account because of Suntrust rules and regulations. While I have come to terms the fact that this bank has decided to terminate their relationship with me, I am not okay with the fact that this company has not returned the funds that are still in this account with no viable explanation and have no other option but to pursue this in a legal manor. This situation has egregiously impeded upon my business and I have suffered loss because of this. I need a reprieve of this situation immediately!
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries on XX/XX/year> from : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Global Lending Service, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am one of the people impacted by the Equifax hack. The scale of this breach in trust and law is absolutely unacceptable. There should have been adequate safeguards put in place by law more than a decade ago. This incident only serves to highlight the urgent need for more stringent security requirements. Or any decent security requirements in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INQUIRIES LISTED BELOW ARE FRAUDULENT SOMEONE USED MY NAME AND SOCIAL SECURITY NUMBER TO FILL SEVERAL FRAUDULENT APPLICATIONS IN MY NAME I DID NOT SUMMIT THESE APPLICATIONS 1.XXXX 2.US SM BUS ADMIN ODA 3.XXXX XXXX XXXX 4.XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i was a victim of identity theft. i need these accounts removed asap. had no idea they were XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have a Nordstrom credit card that was included in my XXXX  XXXX XXXX proceedings back in XXXX. The creditor chose to not participate, and the card should have been showing as a charge off since XX/XX/XXXX. However, due to some misinformation, misreporting, etc. the payments were showing as on time in the beginning of XXXX. This is inaccurate information, and should have been a charge off since XX/XX/XXXX and should have been gone off my credit report as a negative reporting item in XX/XX/XXXX ( 7 years for bk actions ). However, when disputed with XXXX, XXXX added an additional 3 years added to the negative action, and did not remove the action. I have called Nordstrom several times now, they've indicated that XXXX was told to remove the action, it was included in the XXXX  XXXX, and XXXX disputed that Nordstrom told them this information and questioned the veracity of the statement. I am caught in the middle between Nordstrom informing me that they're telling XXXX to drop the negative action on my report, and XXXX saying there's nothing that they can do and to keep disputing the negative item on my report. I am also in contact with my BK attorney to see what, if anything I'm able to have them do to get this negative item off my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated 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 XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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
Product: Credit card

XXXX rental card had hold on my card for some of XXXX dollars. XXXX reververed balance back to my card but it was not showing they would not let me leave untill balance was paid. This was Friday XX/XX/year>. I called chime they said they would refund me that night or latest XXXX morning. I did not receive refund yet when I called back Sunday they said they could not see money anymore. I have called mutiple times sent email with all the proof even XXXX talked to them.
Product: Credit reporting

Date : XX/XX/XXXX To Whom It May Concern : XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX Equifax XXXX. XXXX XXXX XXXX, XXXX XXXX Please take notice on this date, the nature of this letter is to request the removal of the fraud alert on my personal credit reports. And correct my personal information As you will see bellow, my correct identification information for your records : XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I have been living here since XX/XX/XXXX Please update my personal number to my credit profile XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX, HOMESTEAD, FL XXXX - REPORTED XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX, XXXX XXXX , XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX this is an old address ADDRESS : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX - REPORTED XX/XX/XXXX - XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXX please delete not my address ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX - REPORTED XX/XX/XXXXI have also please delete not my address included the following minimum XXXX proofs of my current mailing address Sincerely, Name : XXXX, XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need the following removed off my equifax account, Ive tried to resolve the issue with them and sent in identity theft paperwork. 

But now I can't even see my credit report on the Equifax website. Only shows 1 account so they won't let me dispute. I had to pull this from XXXX XXXX to see what's on my file.

Accounts needs to be removed XXXX XXXX/XXXX  Closed Closed XXXX XXXX XXXX Closed Closed XXXX XXXX XXXX XXXX Closed Closed XXXX XXXX Inquires All inquiries need to be removed, I haven't applied for credit in over years
Product: Consumer Loan

DEAR SIR, I WOULD BE MOST GRATEFUL IF YOU COULD ASSIST IN WHATEVER WAYS YOU CAN SINCE I CAN NOT AFFORD A LAWYER. 

MY COMPALINT IS AGAINST CATCH LLC REPRESENTED BY LAWYERS XXXX.SCOTT LOWERY OF XXXX XXXX IN XXXX I HAVE A CREDIT CARD DEBT OF XXXX $ ( FROM XXXX.THEY SENT ME TO COLLECTION BECAUSE I MISED A FEW PAYMENTS WHEN I HAD NO JOB AFTER MOVING TO XXXX XXXX. ) I HAVE ALREADY PAID THE ABOVE LAWYERS FOR OVER A YEAR ALREADY ( AS AGREED WITH XXXX. SCOTT REP AT {$50.00} EVERY MONTH ) BUT I CAN NOT AFFORD TO STOP PAYMENT WHEN THIS IS DUE BECAUSE THEN THEY WILL ONLY ASK THE XXXX XXXX COURTS ( WHERE I WILL GET NO SAY ) TO COLLECT ON THEIR BEHALF. 
THE COURTS WILL IN TURN AGAIN TAKE MONEY ( THE AMOUNT OF WHICH I CAN NOT DETERMINE ) FROM MY SALARY. 

I HAVE HAD THIS PROBLEM BEFORE FOR A PERSONAL LOAN ( OF XXXX $ ALSO FROM XXXX XXXX XXXX. ) XXXX ( WHICH WAS BAILED OUT BY GOVERNMENT ) SENT ME TO COLLECTIONS AND I PAID XXXX SCOTT LOWERY FOR A WHOLE YEAR ( XXXX $ NOT TAKING INTO ACCOUNT WHAT I HAD ALREADY PAID THE BANK ) AND THEY SCAMMED ME. 
THEY SAID I WAS LATE FOR PAYMENTS AND TOOK THE WHOLE {$1200.00} AND POCKETED THE MONEY. 

THE AMOUNT PAID WAS NEVER PUT AGAINST THE LOAN REPAYMENT. 

I THEN STOPPED PAYMENT AND THEY THEN JUST TURNED AROUND TO THE XXXX XXXX XXXX TO COLLECT ON THEIR BEHALF. 

I GOT NO FAIR REPRESENTATION FROM THE COURTS AND THEY JUST USED THEIR AUTHORITY. 

TILL NOW THE COURTS ARE TAKING MONEY FROM MY SALARY AND I HAVE NO CLUE HOW MUCH AND FOR HOW LONG..THE COURTS HAVE NO EXPLAINATIONS FOR ME. 
THEY ONLY REPRESENT THE MEN IN SUITS. 

I THINK THIS IS A BIG SCAM ABOVE ANYTHING ELSE AND I LOOK AT THIS WHOLE SET UP AS EXTORTION AND/ OR ROBBERY IN BROAD DAYLIGHT. 

TO THAT EFFECT I WOULD BE MOST GRATEFUL IF GENTLEMEN, YOU COULD KINDLY ASSIST AND ADVISE AS TO WHEN, HOW AND WHERE I FINALLY PUT AN END TO THOSE DEBT PAYMENTS AND STOP DEALING WITH CROOKS AND SCAMMERS. 

I THINK THAT THOSE PEOPLE IN SUITS SHOULD ALSO BE HELD ACCOUNTABLE LIKE ANY INDIVIDUAL. 

I 'VE DONE ALL I CAN TO PAY OF MY DEBTS AND I AM STILL WORKING HARD TO GET OUT OF DEBT TOTALLY HOWEVER IF I AM TO PAY {$1800.00} FOR MY WHOLE LIFE THEN I MIGHT AS WELL STOP WORKING ALTOGETHER AND LET THE STATE TAKE CARE OF ME..MAYBE THE STATE WILL THEN TAKE CARE OF MY DEBTS TOO. 

XXXX NEVER GAVE ME A CHANCE AND I LOOK AT CATCH LLC AS RESORTING TO EXTORTION THROUGH THEIR LAWYERS AND THE XXXX XXXX XXXX, I AM SURE YOU WILL AGREE WITH ME SIR, THAT THESE CONDITIONS ARE UNTOLERABLE. 

I THANK YOU IN ADVANCE SIR AND LOOK FORWARD TO A POSITIVE RESPONSE FROM YOUR END.
Product: Mortgage

Seneca Mortgage only provided service to 33 % of our property for the first year we were with them, including failed to pay ( but collected ) county property taxes from escrow. We did not know this until our county sent us a late bill and fine for failure to pay property taxes on XXXX of the XXXX lots that Seneca was supposedly serving. We notified Seneca and the issue was not resolved for over 6 months.
Product: Credit reporting or other personal consumer reports

My account with EXPERIAN was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account XXXX has violated my rights.

15 U.S.C. 1681 section 602 A States I have rights 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 instruction. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Balance {$450.00} Highest Balance {$450.00} Opened XXXX. XXXX, 2021 ( 1 yr ) Account status Open Type Derogatory Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX Closed No Info
Product: Mortgage

I had Home Equity Line of Credit with XXXX  XXXX XXXX which was modified on XXXX. On XX/XX/XXXX I received a letter from XXXX  XXXX XXXX notifying me my loan was sold to Specialized Loan Servicing. On XX/XX/XXXX I received a letter from Specialized Loan Servicing notifying me of the transfer of the service of my loan to them. I received a statement dated XX/XX/XXXX for my first payment with an interest rate of 2 %, that is the interest the loan had with XXXX  XXXX XXXX. I did not received an statement for XXXX, when I check the Specialized Loan Servicing website it showed my payment to be {$140.00}, which was the right amount with an interest rate of 2 %, which I made on XX/XX/XXXX.On XX/XX/XXXX I still have not received an statement, I went on the website and it showed my payment for the month of XXXX to be {$340.00}. I called customer service and was told my loan had a variable rate. My loan had a fixed rate of 2 % until XX/XX/XXXX, and after that a fixed rate of 4.25 % .On XX/XX/XXXX I called XX/XX/XXXXXXXX XXXX and they faxed a copy of my note to Specialized Loan Servicing, I also emailed a copy of my note, and sent it by regular mail USPS , and also send a letter requesting Specialized Loan Servicing to send me a copy of any and all documents they had to determine the interest rate of my loan.As of today XX/XX/XXXX I have not received any documents. On XX/XX/XXXX I checked the website again and the amount was still {$340.00}. I called customer service and was told they received my loan documents but did not know why the payment due still showed {$340.00}. I sent a payment for {$150.00}, which is more of what the payment should have been on XX/XX/XXXX and it was cashed on XX/XX/XXXX. On XX/XX/XXXX I called customer service again and asked to speak with a supervisor, was told none was available but I will get a call back, I did not received a call back. On XX/XX/XXXX I called customer service and asked to speak with a supervisor, was told none was available and I was going to get a call back. I did not receive a call back. On XX/XX/XXXX I checked the website and it shows I owe {$520.00}. I called customer service and was told the amount is {$190.00} from XXXX ( the {$340.00} minus the {$150.00} payment I made ) and {$320.00} for XXXX.I asked to speak with a supervisor and again was told none were available and I would get a call back, I requested a copy of the phone conversation since it was being recorded but was told I could not have a copy since it was an internal document, also I asked for a phone number for headquarters and was told the company headquarters was in XXXX. 
Specialized Loan Servicing bought the loan from XX/XX/XXXXXX/XX/XXXX XXXX with a fixed rate, they can not change the terms of the loan. Please I ask your assistance with this matter, I do not what else to do. Thanks.
Product: Money transfer, virtual currency, or money service

I have been a customer with PayPal for a year. I signed up for PayPal to sale goods on XXXX. In XXXX of XXXX I sold approximately {$1800.00} worth of merchandise on XXXX. The money was placed on temporary hold until customers received their items. I sold an XXXX, XXXX, XXXX XXXX. The money for the items were released. I deposited the money into my bank account. PayPal reversed the payments and limited my account for additional information. I submitted identity verification, proof the items were delivered and receipts for the items. However, PayPal stated that it was risky and that {$1100.00} would be on hold for 180 days. Despite the customers stating everything was satisfactory with their items I sold them. I was evicted from my apartment and was told not to submit anymore request for my money. I am currently residing in a homeless shelter and only have access to my email. PayPal only claims they are holding my money to protect against chargebacks and that me selling my items below market value is a sign of risk. However, I have sold nothing but electronic items on XXXX with no issues. I sold them at a price that customers would buy them and what other sellers were selling them for.