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

This complaint involves USAA accounts : XXXX ; XXXX ; XXXX ; and XXXX. These accounts are found on XXXX  Credit Report XXXX. I am disputing the accuracy and legitimacy of these account charges. When they initially surfaced, I contacted USAA and advised them that both me and my wife were identity theft victims and that we had not made these charges. Subsequently, I provided USAA all local Police Reports, Federal Identity Theft Task Force reports of the identity theft and fraudulent acquisition of the cards. I provided USAA the report from the U.S. Department of State as well as the Office of Personnel Management advising both me and my wife had been victim of a breach and that our information had been identified in use on the dark web. As a direct result, USAA refused to conduct a comprehensive, reliable investigation in a timely manner that would have allowed the individuals responsible to be brought to justice. Instead, I was repeatedly told " our investigation does not indicate fraud. '' When asked to provide strict proof of their investigation and findings, I was met with hostility. I met with similar results with our XXXX XXXX XXXX XXXX Acct XXXX. XXXX XXXX XXXX XXXX has repeatedly stated they are under no obligation to conduct any subsequent investigation. I have been pursuing this matter now for over five years, to no avail. CREDIT CARD and CREDIT REPORTING AGENCIES have an affirmative obligation to Investigate Consumer Credit Report Disputes in a timely fashion and to provide the results of those investigations. USAA, XXXX XXXX XXXX XXXX and XXXX  have failed to do either. I demand to be provided the results and a copy of the actual investigation conducted on each of these matters, contemporaneous to the event and report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporing act XXXX Account XXXX, has violated my rights. 15 US.C 1681 segion 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 furish a account without my written instructions
Product: Debt collection

I am making a dispute against XXXX XXXX in a response to a listing on my credit reports. Be advised this is not a refusal to pay, but a notice sent in pursuant to the Fair Credit Collection Practices ACT, 15 USC 1692G SEC.809 ( 8 ), stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to XXXX. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that your offices have reported invalidated information to my credit reports. This action constitutes fraud under both Federal and State Laws. Also, the stature of limitation is up on this debt and is no longer collectible
Product: Credit reporting or other personal consumer reports

For over a year I have disputed inaccurate information on my report. 
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 {$130.00} XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This information is misrepresenting my credit profile and stopping me from obtaining new credit.
Product: Mortgage

I submitted Loan Workout to Bayview Loan Servicing , LLC and have not gotten a response or " Denial ''. Under HOBR i should at least receive a response or Denial which i am allowed one appeal.
Product: Debt collection

Good Evening, and please help me with this WRONG REPORTING/WRONG BALANCE!!!. I called LVNVFUNDING directly to learn more about this alledged debt under my credit report, and right on the conversation, the rep 's computer crashed and she said that she will transfer me to a third party collection company called XXXX XXXX XXXX, which has a very unprofessional customer service ; inappropriate collection techniques ; and failure to provide verification of debt as requested. 

I've already gone ahead and paid this alleged debt and I was promised over the phone by your representative XXXX, as you can listen to the recording conversation, that upon the payment cleared from my bank account, LVNVFUNDING will have all the major credit bureaus removed this negative items or accounts or tradeline from my credit report. Please kindly adhere as it was promise and have this account remove as I DO NOT OWE the debt.
Product: Debt collection

CITI CARDS/CITIBANK Account number XXXXDate opened XX/XX/2017 {$210.00}
Product: Debt collection

I was told that court documents were in route. They called my XXXX XXXX department wanted to verify my employment. Then I called them back and they said if I was to pay the flat XXXX to settle that they would stop the collection then I asked if it was a court process or server he would not confirm. Let me to believe that they were using somebody in their office to threaten and call my employer and share information about the debt they called daily to my XXXX XXXX department. I looked on the county courthouse and there is no information on a lawsuit or legal documentation. On the case number they gave me. The case number they gave me is an internal case number. The name of this company is XXXX XXXX  XXXX. Their address is XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX phone number XXXX.
Product: Credit reporting or other personal consumer reports

XXXX has repeatedly requested CitiBank to Stop with these harassing phonecalls everyday of the week and at all there is no contract in place and if there is Please provide proof of a with a contract and my wet ink signature with both parties as well as a sworn affidavit of truth signed under penalty of perjury by CitiBank and associated affiliates
Product: Debt or credit management

LENNAR MORTGAGE LLC AND XXXX XXXX XXXX  ( ONE IN THE SAME COMPANY ) SHOULD BE INVESTIGATED FOR THEFT AND MISCONDUCT MISLEADING THEIR CONSUMERS ABOUT THEIR HOMES AS THEY PRETEND TO ASSIST WITH GOVERNMENT PROGRAMS THEY CAN OFFER IT'S CUSTOMERS. Mean WHILE PLAINING TO SCHEME AND STEAL THEIR CUSTOMERS ' HOMES. 
My Home has XXXX XXXX in XXXX rate ... Why would they want to steal my home?!! I was misled by
LENNAR MORTGAGE LLC AND XXXX XXXX  XXXX promising to act upon requests for mortgage modification within a a specific amount of time and they failed to do so ; b. LENNAR MORTGAGE LLC. And XXXX XXXX  XXXX. 
mislead me with false assurances that my home would not be foreclosed when the request for modification was pending, at the same time THEY filed XXXXXXXX XXXX without sending me proper notices and lying to me advising me they were close to a modification for me. If you don't belive me let 's request phone records.

LENNAR MORTGAGE LLC and XXXX XXXX  XXXX were scheduling auction dates, and trying to sell my home from underneath me while assuring me approval for my Modification was almost complete.

.

c. LENNAR MORTGAGE LLC and XXXXXXXX XXXX XXXXXXXX. 
misrepresented that I must be in default or Foreclosure on my mortgage to be eligible for modification or other repayment options when, in fact, change of income is enough for a borrower to qualify for modification or other repayment options.

d. LENNAR MORTGAGE LLC and XXXX XXXX  XXXX. 
failed to Communicate the process by which a borrower may apply for an available foreclosure prevention alternative and the deadline for any required submissions to be considered for the foreclosure prevention alternatives.

LENNAR MORTGAGE LLC and XXXX XXXX XXXX Failed to provide me with any updates regarding their plans to file for foreclosure against me. I only found out about the foreclosure when I logged on to this portal to check their response to a complaint I filed on XX/XX/year> case # XXXX concerning stall tactics on my modification request. I noticed they included a copy of a XXXX  with a timeframe to respond of XXXX before they plan to sell my home.

I was never served any notices with a server or via certified mail from the mortgage companies. based on what I was told by many representatives of the company I was close to my loan modification approval. I just need to change some dates on documents, and initial places where there was no place to initial indicated. The request just didn't sit well with me. I was wondering why I was asked to make such changes, why was this modification taking so long? then it hit me LENNAR MORTGAGE LLC and XXXX XXXX  XXXX were not trying to assist me as promised They were stealing my home right from under my eyes. That's when I decided to go public with my complaints.
Product: Credit card

In XX/XX/2023 my identity was stolen and used to open a Sephora credit card account with Comenity Bank. The thief made over {$1000.00} in charges to my account. I opened fraud cases with XXXX and Comenity. After a weeks of investigation, both the credit bureau and Comenity found the account to be fraudulent. 

I last spoke with Comenitys fraud department in XX/XX/2023 and I was assured the account would be closed within 90 days. 90 days came and went but Comenity kept sending me credit card bills and calling to collect payment. I told them multiple times that the account was fraudulent and was supposed to have been closed. I was again assured that I did not need to worry about the bill and the account would be closed. 

A few days ago, I received a notice that the account had been sent to collections. They never closed the account and Comenity customer service would not provide a reason why it was never closed. Comenity now refuses to address this oversight on their part.
Product: Student loan

Navient is overcharging me in interest. I was told by a rep. that my interest is forgiven because I 'm on income based repayment loan. I asked them several times what can I do to lower my loans and interest. Unfortunately, they told me that there 's no way but to continue to make payments. I 'm a XXXX that recieveshe no government assistance and can barely survive. I need help please.
Product: Mortgage

Not sure if this is the right department. I received a call this XXXX @ XXXX from XXXX their company is offering a Government loan modification program. They stated I would have to make 3 trail payments in order for the modification to go into effect. When I kept asking what the terms were they just stated I would receive them after I made my first two trial payments. I let the gentleman know I would not agree to anything without knowing the terms. He kept insisting I would receive them after making two trial payments. I thought was weird because at first he said 3 payments. I eventually stressed to him that I would not agree to anything without knowing the terms he said they would be texted to me and hung up. I never received anything. I called Shellpoint directly and the customer service lady stated there was no notation that anyone had called me this morning. I asked where I could report and she stated I had to do my own research to report. I thought this was odd or she was just being rude. I went online and it stated to call XXXX to report spam or fraud. I called and expressed to the customer service representative I just need to know where to file a complaint about a spam call. She gave me an email of loan XXXX and stated they would forward to the correct department. The gentleman who stated his name was XXXX XXXX, called me from your number XXXX. I wanted to make you all aware as this is possibly happening to other people. Not sure if it is Shell calling or spam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I have been trying to get a credit report only to be informed that I did not exist in any of the three credit reporting agencies systems. This was understandable considering that I have never used credit at all and never plan on doing so. 
I was advised that I had to create a credit report by visiting one of the three agencies to present a valid identification to establish an account in my name for credit reporting purposes only, which I did. Next, I received a credit report from Experian. The office that I visited and presented my Passport, Birth certificate, Social Security card, a Drivers license and a current utility bill to establish my physical address was XXXX. 
The clerk was only interested in the Drivers License. When I received a copy of my first ever credit report, I immediately noticed that the report contained someone else 's information as to their name, addresses and employment history. Next, I checked the other two agencies and discovered that all three reports were exactly the same! 
I assumed that this was merely a clerical error by the otherwise preoccupied data entry clerk that I visited. Naturally I requested a correction, as it apparently matters. At age XXXX I applied for a carry permit at the local police station, where I have actually lived since leaving the military after returning from XXXX in XXXX, only to be detained due to an active warrant for my arrest due to a background check that brought up one of the names that these agencies had placed in my newly created report. 
Luckily, after being finger printed the police informed me that I was not the person that the warrant was looking for, as the prints did not match and I have no criminal history at all!!! SO, THIS IS A SERIOUS SITUATION. The police advised me to get this corrected or I will continue to have problems in the future. These reports can be very damaging and expensive to correct if you are lucky enough to get these agencies to correct the problem as they are very reluctant to cooperate while responsible as well as libelous for any adverse actions suffered by anyone based on incorrect information in these reports. I have been continuously attempting to have all three credit agencies correct my report by sending valid photo identification to no avail. CAN SOMEONE PLEASE HELP ME?
Product: Credit reporting, credit repair services, or other personal consumer reports

Jefferson Capital Systems is reporting a debt on my credit file that needs to be removed. There are so many things in this account that are wrong and I'm sick on having it on my credit. I called years ago and they told me it was for internet or something out in XXXX. I have no idea where XXXX is, I have never lived there. This account is surely not mine and I told them that in our conversation but they insist in putting fraudulent accounts on peoples account. Not only that, this account would be past the statute which is irrelevant because it is not mine. This needs to be removed immediatley. Remove false debts on credit can be considered fraud under both federal and state laws and I will not hesitate to bring legal action against Jefferson Capital Systems.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, New Jersey XXXX XX/XX/year> LVNV Funding LLC XXXX XXXX Pl XXXX, South Carolina XXXX Re : Cease and Desist Order Dear Sir/Madam, I am writing to formally demand that you cease and desist all collection activities related to the alleged debt referenced in your communications to me. I have not been properly informed of the nature and validity of this debt, and I dispute the accuracy and legitimacy of your claims.

1. Demand to Cease Collection Activities Effective immediately, you are to cease all collection attempts, including but not limited to phone calls, letters, and any other form of contact. This demand is being made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ).

2. Request for Validation of Debt I hereby request that you provide proper documentation and validation of the alleged debt, including but not limited to the original creditor 's name, the amount owed, and any supporting documents that prove this debt is legitimate and owed by me. Until this validation is provided, you are to refrain from any further collection activities. 

3. Notification of Legal Rights Please be advised that failure to comply with this cease and desist order may result in legal action against LVNV Funding LLC for violation of my rights under the FDCPA. I am prepared to take necessary legal steps to protect my rights and ensure compliance.

4. Instruction for Future Correspondence Any future correspondence must be sent to my address provided above. Do not contact me by phone or any other means. Any communication regarding this matter must be in writing and should only provide the requested validation of the alleged debt. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX.
Product: Credit card

I made ( XXXX ) purchases to XXXX through XXXX on XX/XX/year>. I reached out to XXXX  via email as that is the only contact information they provide to confirm my purchases. I received a message back that the email address was invalid. I reached out to XXXX and asked for their assistance. XXXX directed me to file a claim with my credit card company. I filed ( XXXX ) disputes with my credit card company AMEX. Amex then filed chargebacks against XXXX. XXXX provided documents & tracking number via XXXX indicating my package was delivered to an address in the same city as my address via XXXX. I reached out to XXXX and confirmed the package was not addressed to my address via the tracking number XXXX  provided. Apparently this is a common fraud practice where the merchant will send a package to a random address in the same zip code and use this as proof of service to the credit card company. These matters remain unresolved with XXXX, XXXX & AMEX. I have submitted a Service Request to the XXXX requesting a formal report on the tracking number XXXX provided. XXXX and AMEX have not been willing to provide contact information to XXXX so that I might pursue resolution directly with them. It appears XXXX has dropped XXXX from their website. I need your assistance in bringing resolution to this matter. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I already have disputed the inaccurate information and not even to receive a response back. There are names that do not belong to me and inaccurate information reporting on my credit file. Is anything going to be done??
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( XXXX XXXX  ) - Dispute Customer # XXXX {$87.00} To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain. 
I challenge the accuracy, compliance and reportability of this listing.I never gave consent to any documents or subscriptions. 
There is no valid claim, no contracts exist. 

Grave errorsfalse claims and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action.

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX
Product: Debt collection

I owed XXXX a debt of XXXX dollars which I have been paying. A " collection agency '' called IC Systems has been sending me letters to pay the remaining balance. I thought it was a legitimate collection agency. I paid them XXXX dollars with my debit card. Little did I know ... 

Two days later, I had charges of over XXXX dollars on my checking account. Someone was using my card in XXXX. I live in XXXX. When I did digging, I found out that this collection agency was fake. Using a fake address in XXXX, they currently operating in XXXX, XXXX. I have found that many other are falling victim the way I am.
Product: Money transfer, virtual currency, or money service

I sent the money on XX/XX/2023 and arrive to the recipient 's bank account on XX/XX/2023 in the amount of {$400.00}. I Sent it using remitely app. However, when I asked the recipient to check his account he said he doesn't see any deposite in his account. The remitely asked for bank statements history and i provided that. I also asked the remitely company to solve this issue and nothing was done. I've asked them to talk with XXXX XXXX which they confirm that the money was deposited to the recipient 's bank account and when he went to ask his bank provider, they said there was no money deposited in his bank. 
Thus, I need your help, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM REQUESTING A SECURITY FREEZE ALONG WITH BLOCK ON ALL ACCOUNTS. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX BANKRUPTCY CHAPTER XXXX DISCHARGED XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXL XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX  XXXX XX/XX/XXXX 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 XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am filing this complaint against Cash App, operated by Block , Inc., alleging that their inadequate customer service, ineffective fraud prevention measures, and deceptive dispute resolution process violate the Consumer Financial Protection Act ( CFPA ) and the Electronic Fund Transfer Act ( EFTA ) regulations, causing significant financial loss and inconvenience to me as a user.