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

I AM A NATURAL PERSON AND CONSUMER FILING THIS COMPLAINT DO NOT CLOSE THIS COMPLAINT. DO NOT CLOSE THIS COMPLAINT STATING THAT THIS IS NOT ME! PLEASE SEE ATTACHED
Product: Credit reporting

the late payment is still showing up on my report beyond the seven years rerequ
Product: Credit reporting

I have disputed directly with bureau ... transunion still is reporting. XXXX XXXX has disputed account, as well. XXXX XXXX medical collection of {$200.00} is not correct. I have verified with XXXX. XXXX 's XXXX that I do not have a balance and have never owed the office any amount that has turned into a medical collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of trying to buy a home and everything was going great until my credit dropped almost XXXX points because of a said " late payment ''. I was in contact with the company trying to dispute this and they still came back and said it was late. I have the account statement showing that my payments were made. And even if they claim i was late my account as of today stands as current. why can't they just remove the late?
Product: Debt collection

XX/XX/year> Santander Consumer USA XXXX XXXX XXXX, TX XXXX Re : Dispute and Notice of Statute of Limitations Dear Santander Consumer USA XXXX This letter serves as a formal dispute regarding a notification that the statute of limitations has expired to collect this debt. 

I am writing to inform you that you are no longer legally entitled to collect on this debt. The statute of limitations in my state, [ CA ], for this type of debt is [ XXXX ] years. As I have not made any payments or acknowledged this debt in writing within the past [ XXXX ] years, any attempt to collect on this account is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

I have tried to dispute this account in the past as this company was in previously in litigation. 

I request that you cease all collection efforts on this account immediately. Please update your records to reflect that this debt is no longer collectible and remove all negative information associated with this account from my credit reports. 


Thank you for your prompt attention to this matter. 

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

XXXX BMW Financial Services/XXXX , Ohio- I filed a dispute based on my car loan being reported as 30 days late numerous times after I had obtained an extension on my loan. My vehicle was paid off in XX/XX/XXXX. 
XXXX BMW Financial services retaliated against me by reporting me again to XX/XX/XXXXCredit bureau based on my dispute. 
XXXX I called BMW Financial services, to ask them why they reported me again as delinquent, when my car was paid off in XXXX. They stated that since they had to correct the information on my report, they did another review. On further review this was not correct, so they had to report me again. I understand that during these difficult times customers are unable to pay their car loans, but I find it very egregious of BMW to do this, what would be the point of this kind of behavior towards a customer that had paid her car loan completely. To date, BMW has not agreed to correct this misinformation.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

On XX/XX/2023, my partner received an email to her email account from " XXXX XXXX, '' but the email was addressed to me. 
Email : From : Launch Servicing XXXX Date : Fri, XX/XX/2023 at XXXX XXXX  Subject : New Document from Launch Servicing  To : XXXX XXXX XXXX 's email address*****> Text : Dear XXXX XXXX There is an important document available for you from Launch Servicing , LLC for account number ending in ****. Please log in to your online account and select Manage Account, then Account Documents and Correspondence to view this important account communication. 

Please do not respond to this message. To respond, send a message from your online account or call us at ( XXXX ) XXXX. 

You are receiving this email because you signed up for electronic communication through Launch Servicing , LLC. If you would like to stop receiving email notifications and resume receiving paper copies of your account documents, you may change your delivery preferences once you are in your online account. 

Thank you, The Launch Servicing , LLC Customer Service Team ___________ I contacted my student loan service provider to ask about " Launch Servicing '' at XXXX on Wednesday, XX/XX/2023. They said they do not work with any 3rd party servicer. 

I checked the XXXX XXXX XXXX website XXXX XXXX XXXX XXXXXXXX XXXX  and " Launch Servicing '' is not listed as an official loan servicer for federal student loans. 

I looked at the XXXX XXXX XXXX and found a list of complaints of fraudulent accounts being set up without a person 's knowledge, and damage being done to credit scores. 

I believe that this is a fraudulent servicer, and that this correspondence was to set up a scam. The primary indicator is the wrong email-recipient pairing.
Product: Debt collection

I received a letter that I owed XXXX XXXX XXXX for unpaid debt. XXXX years ago in XXXX, I settled with XXXX XXXX XXXX for the balance owed in XXXX XXXX XXXX XXXX. I am no liable for this balance because all debt has been settled. I have not been in communication with XXXX XXXX XXXX at all till this year when I received letter for debt collection. Finally, XXXX XXXX XXXX was presented on my credit years ago and since than has been removed.
Product: Credit card or prepaid card

My complaint is with Nordstrom card services. I have a Nordstrom Visa card. In the past, I've had late payments so I've been doing better about making on-time payments. Also, the payments I made were larger amounts than usual. The reason was, I had to take my car to get repaired and had planned on using said card. I made a payment of {$450.00} on XX/XX/XXXX. I was taking my car to the dealership the following Tuesday and wanted to ensure that there would be funds available on my card. I called Nordstrom on Mon XX/XX/XXXX at XXXX. Long story short, they told me that my payment was on hold for a week to 20 or so days. When I asked why, they said for suspicion of " Money Laundering '' because that was the second large payment I made in XXXX. I was very offended and asked to speak to a supervisor. The agent I was speaking with put me on hold for about 5 or 10 minutes. I never spoke with a supervisor but the female agent I spoke with came back and said the hold had been removed. I am a single mother, I work p/t and go to school p/t. I am trying really hard to stay on top of my payments. BUT, I feel like this money laundering comment is a form of profiling and it is WRONG. Do I have to worry about this every time I make a larger payment?? After this experience I want to pay them off and close this card.
Product: Debt collection

Company is refusing to understand that my devices were compromised and that I did not purposefully take out this loan. 

The actions of depositing the funds into my account and me communicating with the lender happened as a result of identity theft including access to bank account information.
Product: Payday loan, title loan, or personal loan

I tried to pay off the loan but they do not accept credit cards. Very unreasonable to work with and hard to understand. On hold for long periods of time and talk to several different people to try and work with. I ca n't download my documents either
Product: Credit reporting, credit repair services, or other personal consumer reports

CREDITOR NAME : XXXX XXXX  XXXX XXXX : {$3500.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : LVNV FUNDING LLC AMOUNT : {$18000.00} DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX CREDITOR NAME : XXXX XXXX XXXX XXXX AMOUNT : $ - DATE OPENED : XX/XX/XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

Recently found out my personal data was leaked in a breach. There were multiple accounts on my report that I dont recognize. On XX/XX/XXXX a XXXX XXXX XXXX XXXX  was reported with a {$690.00} balance. On XX/XX/XXXX XXXX XXXX reported on my report with a {$8000.00} balance. On XX/XX/XXXX a Collection Account by XXXX XXXX XXXX was opened with a {$830.00} balance. To make matters worse on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were opened and reported with an insane {$23000.00} balance. These debt are not mine and i have made claims about accounts before because I have been a victim of this in the past.
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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX Balance : {$70.00}, XXXX XXXX XXXX XXXX XXXX Balance : {$21.00}, XXXX XXXX XXXX XXXX Balance : {$12.00}, XXXX XXXX XXXX XXXX Balance : {$10.00}, XXXX XXXX XXXX  XXXX Balance : {$8100.00}, XXXX XXXX XXXX XXXX Balance : {$1000.00}, XXXX XXXX XXXX Balance : -
Product: Debt collection

Commenity Bank who who finances the XXXX XXXX is making repeated calls, upwards of XXXX in a single day. They are also calling before XXXX and after XXXX XXXX CST at night.T harassing calls are continuing. 
The most recent calls coming in dated ( I have submitted some screenshots ) to support my position XXXX calls on XX/XX/XXXX XXXX calls on XX/XX/XXXX XXXX calls on XX/XX/XXXX XXXX calls on XX/XX/XXXX They are interrupting me at work, and I work in the field working with large machinery. This is causing distraction and potential for mistakes on my job to the extent that lives could be lost. 

I set up a payment plan in XXXX of XXXX for XXXX each month on a forgivenss program and to straighten out my credit. They continually lose the information. 

The keep calling and asking for more information, new bank account numbers etc. They have admitted while on the phone that I am on a payment plan but that does not stop them from calling. I have a new plan set up for the same amount. These transactions are listed below. 

The payments have been made to Commenity Bank on the following dates. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I can provide bank records for this too but you state not to include personal info.
Product: Student loan

I have called EdFinancial numerous times now about the status of my student loan refund in the amount of XXXX dollars however I have not received any further information on the status of the refund every time I called. 
Ive reached out in XXXX and XXXX when the refund was announced and again in XX/XX/XXXX and XXXX but still no update.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to resolve this issue by reporting the incorrect information, which is severely affecting my personal life and causing significant mental distress. The false and fraudulent entries on my credit report have prevented me from purchasing my dream car and providing for my family. These items do not belong to me, and I did not authorize any of this information to be reported. I am a XX/XX/XXXX. For your reference, I have attached my letter and the FTC report. If this matter is not resolved promptly, I will take legal action.
Product: Mortgage

I currently have a mortgage with Selene. I had fell behind in payments and Selene was playing games working out a payment plan so I filed Bankruptcy. So I went through years of making my bk payments and now that I am through and my bk is paid off and have received my discharge. I have worked on my credit and have a score of about 750. So it is time to get out of that 7 percent loan with Selene but however they will not give me my monthly mortgage statement. They said for some reason my statements are not being generated and nobody seems to understand why. I have made many verbal request for my monthly statements however to no avail. I need to make sure my payments are being properly applied. Im trying to refinance and need two past statements but Selene is failing or refusing to give to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

2018 was given a modification by using AFFORDABLE HOUSING AGENCY IN XXXX NJ, XXXX RECORDED THIS MODIFICATION AS A FORECLOSURE! AS A RESULT, A NEGATIVE REMARKON MY CREDIT FOR MAKING LATE PAYMENTS HAS NOT BEEN REMOVED BY XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my identity to purchase a vehicle from capital one as well as a credit card. When I found out, I disputed the charges and the accounts. The credit card has since then been removed but the auto loan has popped back up on two bureaus ; XXXX  and XXXX. This account is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX ORIGINAL CREDITOR 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 I am writing this COMPLAINT on the following accounts : XXXX XXXX XXXX This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Thank you, XXXX XXXX
Product: Checking or savings account

I had a account open with citzans bank checking and saving i got scamed by fake job they decided right then there to lock me out of my accounts and end relationship with me not giving me understand. And why they ended it. Now its been more the 4 months and had open claim they closed the claim and was cleared as that was correct they owe me money XXXX and still have not giving me money even though they have the understand of the claim but no commcations it Almost been 5 month and still no response I think I should sue them this kind messed up then I have to wait on the phone 2-5 hours waiting to speak to some sending me private message no correspondence. When they feel like then this guy recorded conversation ( I have all recipient 's for this ) this guy told me on the phone from citzans bank that it aginst the law to keep claim open for this long and he said he just got put on this case which is funny becuse I though they were working on it month ago meaning XX/XX/XXXX or XXXX I don't the exact date so now what do I do bring this bank to court? Have understand of what they are doing? I also have correspondence from the claim makeing statement they had the wrong bank and they are sorry and the bank will reach out to me whitch they have and then nothing since on email private correspondence whitch is wired
Product: Credit reporting or other personal consumer reports

Dear XXXX XXXX XXXX, Account info Account name : XXXX XXXX  Account XXXX I am writing in response to a notice I received indicating that I have an outstanding debt with XXXX XXXX, which allegedly originated from a loan in XXXX and has been reported as XXXX days past due. Pursuant to my rights under Section 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), I formally dispute the validity of this debt and request verification.

Please provide the following information to verify the debt : 1. The name of the original creditor and a breakdown of the debt amount, including any fees, interest, or penalties added.

2. A copy of any signed contract or agreement that demonstrates my obligation to pay this debt.

3. Documentation showing the date the debt originated and any payments that have been applied.

While I await verification, I request that you cease all collection activities related to this account, as required by law. Furthermore, if you can not verify this debt, I respectfully ask that this item be deleted from my credit report to prevent any inaccurate or incomplete information from harming my credit profile. 

Please direct all responses to my address listed above or via email at XXXX. 

Thank you for your prompt attention to this matter. I expect a response within 30 days, as is required under federal law. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

I check my account before and after every purchase using their mobile banking app, to ensure i do not incur any NSF or overdraft fee. I do this because i live on a budget and try not to incur extra fees. But i keep getting hit with fees. and when i check my account to see what the fee was assessed for, my account reflects debits to my account that does not show up until the fee is assessed. 

On XX/XX/XXXX, I checked my account. The app showed me an available balance of about {$91.00}. On XX/XX/XXXX, my available balance is about {$36.00}. A difference of about {$52.00}. I don't see any new transactions. Its a joint account so i wait a day for the charges to show up on the app.. Meanwhile I send for and XXXX deducting a total of {$24.00} for the available balance of {$36.00} leaving mt roughly about {$12.00}. On XX/XX/XXXX more debits show up, not equaling the total difference but my available balance stated {$9.00}. I use my card and spend $ ( which should leave me a balance of XXXX cents. On XX/XX/XXXX, I check my account at # XXXX XXXX, I review my transactions, checking to see the amount of my payroll despots so that i may pay my tithes at church. I pay my tithes of {$75.00} dollars at about XXXX XXXX. Later that morning my husband make a few purchases, i check his purchased against the account like i always do. The amount of his receipts match the amount of the debit on my account for his purchases. I check my account again at about XXXX XXXX because i have a debit scheduled to come through the next day, and see that I am hit with an NSF fee for {$34.00}. I check my account and it now shows a debit against my account for {$73.00} on XX/XX/XXXX, with the NSF fee assessed on XX/XX/XXXX. Now their systems has been updated to show the debit on XX/XX/XXXX, when I check my account everyday and it didnt show up on my end until after XXXX XXXX on the XXXX. Then it was backdated to XX/XX/XXXX. 

This is a regular occurrence.
Product: Vehicle loan or lease

Santander Car Loan ; Today I pulled an XXXX  report today and I had two deliquated months on a car loan. My car loan payment where being return. I never received any information letter email on whom the new car loan carrier was. The only way I found out that who took over my car loan was that I pulled a report from XXXX. 

I need a welcome letter an account number, the normal things that happen when some assume a loan. 


XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX without any influence and this is not a third party. 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 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  15 USC 1681 Section 602 A- States I have the right to privacy. 

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts, inquiries, and addresses I do not recognize are continued here. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXXXX XXXX Balance : {$470.00} XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX 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 Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX FOR Date of inquiry XX/XX/XXXX XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX O? XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} XXXX  XX/XX/2023