23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I was made aware in XXXX of XXXX when I attempted to open a regular credit card with USAA Savings Bank, that I had already had an open credit card with USAA Savings Bank with a {$15000.00} limit and a balance of {$11000.00}. I immediately let USAA Savings Bank know I did not open or authorize this account and that it was opened fraudulently. After further investigation, I discovered USAA Savings Bank used my SSN to open an account for my father and put me as joint responsible party. It was my understanding USAA was to take the credit card out of my name and report to credit bureaus. I gave my father and USAA a grace period to resolve this matter. This action was not taken by either USAA Savings Bank or XXXX XXXX XXXX XXXX. I found out the card was still open in my name taking my available credit away from me for my use and given to my father, I found out on XX/XX/XXXX when I attempted to refinance my home, and I was denied, I asked my refinance mortgage lender to pull a hard copy of my report so I can see what is on my report holding me back, and its the still opened credit line extended fraudulently to my father under my SSN in the amount of {$15000.00} that reflects on my debt to income ratio disqualifying me for refinance. I escalated this matter to USAA Member security and had a case opened, I requested communication from USAA Savings Bank Fraud department several times, on XX/XX/XXXX no response, on XX/XX/XXXX no response and on XX/XX/XXXX. I filed a police report against my father and USAA Savings Bank with the City of XXXX Police Department Incident number XXXX. USAA Member Security Employee XXXX XXXX XXXX recommended I file a complaint on this system. I spoke with an employee with CFPB on XX/XX/XXXX his name was XXXX he referred me to the Federal Trade Commission, he provided me with their phone number he recommended I file a report with them, but if I still wish to, I can file a report with CFPB which I am. My supporting documents will be from XXXX when I first discovered the fraud and a current hard credit report showing the open account with USAA Savings Bank account number XXXX XXXX XXXX XXXX still on my report as open, and consuming my available credit. USAA assures their customers that their identities are safe with them, we trust them, then USAA Fraudulently opens an account with out permission and use a SSN with out authorization to fund fraud, and is not working timely or affectively to resolve this matter with all 3 credit bureaus, I have given them opportunity to do so and was taken advantage of. 

Sincerely, XXXX XXXX XXXX XXXX. 
( XXXX ) XXXX
Product: Student loan

I have a loan through XXXXNavient. They call me several times a day, often once an hour or every couple of hours. I consider this harrassment and I would like it to stop.
Product: Credit reporting or other personal consumer reports

I have reported on my credit report three separate individual accounts from navy federal credit union stating that I am an authorized user and that the account status is open. I have tried calling navy federal multiple times to get this resolved but they seem to find nothing stating that I am an authorized user on anythings and they dont know what I am talking about therefore my credit keeps taking hits for all three of these accounts and I cant do anything about it because no one seems to know they even exist.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$59000.00}
Product: Debt collection

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX LoanTopia LLC. Send me A notice of settlement offer. That read Upon further review of your loan account with us, we have determined that you are eligible for the following settlement : 40 % of Balance of {$9200.00} But on XX/XX/XXXX small claims court enter a judgment for me to pay LoanTopia {$2600.00}. The have tried to get me to pay more than the judgement many times but I only have documents for the day listed above.
Product: Vehicle loan or lease

The XXXX XXXX XXXX put me as the signer of a car i never drove or touched it was my brother XXXX got the car and it eas suppose to be in his name not mine and I wasnt told the car was used in my credit and when they called me i told them not to give him the car because i never allowed my credit to be used and i was told i would only sign because i had a drivers license to let it go off the lot i was never told by the seller my credit was being used. they keep threatening me and wont remove it from my credit my brother XXXX told them already he was taking full responsibility for the car because of the mix up. The repossessioned the car that i did not know about. At the time he got the car i had my own car and my own payment with XXXX  XXXX. Veros credit has me bad on my credit and i have been fighting for XXXX  years and they will not remove it. I called a few days ago and I was told it will be moved to my brothers name since he spoke with them and off my credit and they will remove all delinquency and nothing has been done.
Product: Debt collection

I checked my credit report on a weekly base on XXXX XXXX and it ask me to confirm my new account. I have n't applied for new credit or anything so I log on and it stated it was a new medical collection account that was reported on XXXX XXXX, 2017 by Bay Area CS for the amount of {$760.00}. I contacted my heath insurance ask them if all my claims were paid they stated yes and I had them verify my coverage and they did they pay 100 % I just have to cover the co payment which is {$20.00} for an DR. office {$100.00} for Hospital. So I find this odd that this company is reporting I owe {$760.00}. I never revived any paperwork on this no proof its my debt and my heath insurance said they already covered all my claims so there is nothing owed and if there is something owed it will either be {$20.00} or {$100.00}.
Product: Mortgage

DATE : XX/XX/XXXX IT COMES TO OUR ATTENTION THAT THE LOAN SERVICER SLS AND ACCOUNT MANAGER XXXX XXXX HAVE WILLFULLY MISREPRESENTED US IN COMMUNICATING WITH THE INVESTOR, XXXX XXXX XXXX XXXX ( XXXX ), WITH REGARDS TO OUR OFFER TO SETTLE THE ACCOUNT AS A SHORT SETTLEMENT. 

IN A MAILING TO US FROM SLS DATED XX/XX/XXXX, OUR CREDIT SCORE WAS STATED AS XXXX * AND GIVEN TO THE INVESTOR FOR APPROVAL OF OUR SETTLEMENT OFFER. HOWEVER, AT THAT TIME OUR XXXX SCORES REPORTED TO SLS IN XXXX AND XXXX WERE ALL ABOVE *700*. 
SO SLS KNOWS OUR XXXX SCORE IS ABOVE 700, BUT THEY ARE TELLING XXXX THAT ON XX/XX/XXXX OUR SCORE IS XXXX. THEY LIED. 



ON XX/XX/XXXX XXXX OF SLS TELLS US AT THE BEGINNING OF THE TELEPHONE CONVERSATION THAT SHE HAS NOT SENT OUR LATEST SETTLEMENT OFFER TO THE INVESTOR FOR APPROVAL. SHE SAYS THAT SHE WILL DO SO EITHER TONIGHT OR IN THE MORNING. LATER IN THE CONVERSATION SHE IS ANGRY AND TELLS US THAT OUR OFFER HAS BEEN REJECTED, OBVIOUSLY, SHE MAKES MAKE THE DECISION WITHOUT SLS MANAGEMENT OR INVESTOR CONSENT. 

WE ASKED XXXX OF SLS, TO PROVIDE US WITH THE INVESTORS CONTACT INFORMATION. WE RECEIVED A LETTER WITH THE WRONG ADDRESS FOR XXXX, NO EMAIL ADDRESS, AND NO PHONE NUMBER. 
WE HAVE FILED A FEW COMPLAINTS WITH THE CFPB, BUT THEY ALSO LIED TO THE CFPB. 

XX/XX/XXXX, WE RECEIVED A MODIFICATION AGREEMENT WITH A PRINCIPAL BALANCE INCREASE OF XXXX, ( IN THREE MONTHS ) INCREASED INTEREST RATE FROM 4.875 TO 5.375, IN 3 MONTHS, WITH AN INCORRECT XXXX SCORE OF XXXX. 

THIS IS A VIOLATION, ( PREDATORY MORTGAGE SERVICING ) OF UNFAIR, DECEPTIVE, AND FRAUDULENT PRACTICES BY SPECIALIZED LOAN SERVICING AND THE INVESTOR, FORCING US TO AGREE TO UNFAIR AND ABUSIVE LOAN TERMS WHICH WILL MAKE IT DIFFICULT FOR US TO MAINTAIN AT OUR XXXX  AGE. 

CFPB, PLEASE ADDRESS THIS MATTER AND FORWARD OUR CRY FOR HELP TO ALL AGENCIES THAT CAN STOP THIS ABUSIVE BEHAVIOUR OF PREDATORY MORTGAGE SERVICING OR INVESTOR UNFAIR AND ABUSIVE LOAN TERMS. 
SINCERELY XXXX AND XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit is being damaged through no fault of my own. Im looking for options to either pay off this mortgage, make automatic payments. I have no ownership in this home therefore I can not refinance. The primary borrower will not communicate with me. I am NOT being given monthly statements by the lender. I have NO control over delinquency on this account. I can ONLY access this account through my credit report & even though I check regularly, I dont have access to specifics until a month after its reported to show last payment made. I dont have information on how to pay, amount due, close out balance or how to assume full responsibility for the loan. I have not made a single late payment in over 30 years. I want to make sure that Im responsible for anything that I can control. I have no control over this mortgage. Lender even sent wrong info with another of their clients personal information enclosed. I wonder if my personal information was compromised as well..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$510.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$50.00} XXXX XXXX  XXXX Balance : {$20.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$100.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$50.00} 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 XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

I am submitting this complaint regarding Midland Credit Management XXXX XXXX for engaging in unauthorized debt collection activities within the state of Florida. Specifically, XXXX is attempting to collect the following alleged debts reported to my credit file : 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 XXXXXX/XX/XXXX Upon consultation with my legal counsel on XX/XX/XXXX, it has been confirmed that Midland Credit Management , Inc. does not possess a valid consumer collection agency license as required by the Florida Consumer Collection Practices Act ( FCCPA ), Chapter 559, Part VI, Florida Statutes ( Fla. Stat. 559.553 ). Additionally, XXXX does not maintain a registered business location within the state, violating Fla. Stat. 559.555, which governs registration requirements for out-of-state collection agencies.

Legal and Regulatory Violations The following statutory protections are being violated : Florida Consumer Collection Practices Act ( FCCPA ), Fla. Stat. 559.72 prohibits debt collectors from using deceptive means or attempting to collect debts without proper legal authority.

Fla. Stat. 559.553 mandates that no person shall engage in collection activities without registering with the Florida XXXX XXXX XXXX XXXX. Midlands failure to register or secure a bond renders all collection attempts unlawful. 
Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. protects consumers from deceptive, unfair, or abusive collection practices.

Furthermore, Midland has failed to provide : Documentation proving securitization of these debts, A copy of the purchase agreement, Evidence of their legal right and standing to collect in Florida.

Demand for Immediate Action I demand that : Midland cease all collection activities immediately, The debts be removed from my credit reports, and All future correspondence be directed to my legal counsel. I will be happy to provide my attorneys contact information upon request. 
Failure to resolve this matter will result in legal action against Midland Credit Management , Inc., the original creditors, and credit reporting agencies for damages under Fla. Stat. 559.77, which allows consumers to seek actual damages, statutory damages of up to {$1000.00} per violation, and reasonable attorneys fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

i see i have 3 hard inquiries for credit. 3 are from XXXX XXXX, another that just showed up whith chase just recently and 1 with a personal loan. i keep track of my credit as i'm trying to get it up where it belongs. something is seriously wrong when someone can get your info n apply for loans n it shows on your report. as of now i have fair to good credit. but i tried getting these fraudulent inquiries n have no way of removing them. also when you are told it will be a soft pull some companies do a hard pull trying to get you into a hi interest loan which i will not do. i can go to my own bank n get what i need for credit.
Product: Debt collection

Shellpoint stole my identity and is attempting to collect on a debt not owed. An Identity Theft Report submitted to the IRS on XX/XX/2022, is attached. Shellpoint is using my identifying information without my express authority. 

Shellpoint failed to initiate a proper investigative consumer report before alleging any debt owed and before reporting said debt to the consumer reporting agencies. This is a {$1000.00} fine per month since Shellpoint appeared on the credit reports. 

Shellpoint is violating my right to privacy. I did not provide them any signature to authorize any consumer reporting. This is a {$1000.00} fine per month since Shellpoint appeared on the credit reports. 

And, Shellpoint is violating the exclusion section of the Fair Credit Reporting Act. This is a {$1000.00} fine per month since Shellpoint appeared on the credit reports. 

I have been wronged. 

I have been injured. 

I require remedy.
Product: Credit reporting or other personal consumer reports

Equifax and XXXX along with XXXX refused to investigate my identity theft claim. I sent in my police report and personal identification information and they did not investigate, my credit reports are totally incorrect and all items are wrong. My home was XXXX when I went into the XXXX XXXX XXXX I am now A XXXX survivor the credit reporting agencies refuse to remove these fraudulent accounts. Please help me and my family.
Product: Credit reporting or other personal consumer reports

i writing to formally request the removal of unauthorized inquires from my credit report. inquires on my credit report that i did not authorize or recognize. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Debt collection ISSUE Attempts to collect debt not owed
Product: Debt collection

They refused to take payment I've been calling for XXXX yr XXXX months. And I have been disputing it every month. They sent it to a law firm in which sent it back to them. They refused to send me a letter describing why they have taken such action. And there is no resolving this with them. They are out of XXXX and don't have to abide by any law.
Product: Payday loan, title loan, or personal loan

I received a phone call from Intgrated Recovery Services regarding an installment loan that I could n't finish paying. I asked if I could call back after I checked the information out. I found that I did take the loan out. I could not remember this company when I was first contacted. I called back the same day to see what kind of arrangements I could work out. The first man I spoke with was busy so I got another man. I told him that I had never received anything in writing to validate the collection. I know I owe the pay day company but was n't sure if this company had bought the debt. I wanted a notice in writing. They asked if an email was ok. I said that I wanted it in writing by mail. The guy started yelling at me telling me that Trump had changed the laws and I am going to lose and I should just pay my bills and my tricks do n't work. Trump changed laws and he is not on my side. I 'm finished. I find that to be so belligerent and rude and honestly scary that someone would speak to me that way when I just wanted some validation that this company actually bought the debt. I only borrowed {$300.00}. It ca n't be that hard to make an arrangement once they verify that they actually bought the debt from XXXX. XXXX. I do n't want to call them back and be talked down to and screamed at. I did n't treat them that way and ca n't participate in resolving the issue if they cant be professional. I also do n't know why they find it so difficult to send me something in writing to validate the debt. Legally they have to sdnc something in writing notifying me of the debt. I have never dvdn received any collection notices from the original creditor. I find it fishy.
Product: Credit reporting or other personal consumer reports

Lexington Law was supposed to help me clean up my credit and they did not. They took my money and did not do the job.
Product: Checking or savings account

I have not been contacted by Wells Fargo since their settlement agreement. I believe I qualify as throughout the years I have been charged hundreds of dollars, if not thousands in the span of years for the settlement, in overdraft fees when my savings was used to cover any overdraft.
Product: Checking or savings account

Bank of America cancelled my debit card without me receiving the replacement. It took over a month to receive my card after repeatedly trying to grt a hold of them and ask where my debit card was. After speaking to XXXX XXXX he informed me I would receive it and the PIN wouldn't change. After I received it by the end of XXXX I wouldn't even use it because they had indeed changed the pin. This caused me to be late on all my bills from cell phone to rent. Today I am living in a home without heat because of Bank Of America not letting me access my funds. I rely on my debit card to withdraw British pounds and deposit them in nt British bank account. I'm XXXX XXXX XXXX and I'm stationed in the XXXX at XXXX XXXX.
Product: Credit card or prepaid card

On XX/XX/2021 while searching for locations to cash my first SSI check I stopped by a bank to see if it would be easier to open an account with the bank. Unfortunately, the bank teller requested two forms of identification. Usually, when two forms of ID is requested, most commonly I've used my government issued identification card along with my social security card. The teller told me that the social security card wasn't a valid document for identification. I offered my birth certificate & the teller asked if I didn't have a card with my name on it. I stated that no I didn't, it was my first time opening a bank account. Therefore, I was denied to open a bank account, along with denied to have my SSI check cashed. Afterwards, I ended up to going to ACE Check Cashing. I had no problem cashing the check, requesting a prepaid card, & even opening an account with ACE ELITE PREPAID CARD. Including, I had deposit on my Ace Elite account {$1000.00}. 
On the morning of XX/XX/XXXX, I received a text message alert from the Ace account stating the following : " The Ace Elite Card you ordered can not be delivered. Call XXXX and press 1 to update your address and get a new card. '' Therefore, I called & the first customer representative that answered I gave him my information & then he put me on hold for a few minutes. Next thing I hear its a different customer representative answering. I provided my information once again. I was put on hold & then the customer representative couldn't provide me accurate information. As a matter of fact he stated " The card was sent to the address on file but it was sent back & it couldn't be delivered ... '' I thought how was it possible to have the card sent to the address when 24 hours have not passed from opening the account. I requested to speak with a supervisor. Unfortunately, things went from bad to worst. The supervisor attended me I told her the situation & since my fiancee is going through the same situation. Where the same financial institution is misinforming their clients. She was upset & told the supervisor how can they work the way they do. How can they disrespect their customers by misinforming them. I asked the supervisor if I could continue to use the money that is already in the card. She literally avoided answering my question & went on with stating that my account was active but not completely. When I reached my boiling point, I requested to speak to another supervisor. She answered that she was a supervisor. As if there wasn't any other supervisor available. I stated that she wasn't the only supervisor working there. She then stated that she would transfer me to another supervisor but I would be on hold for a while before someone answered. I waited for 20 minutes before I hung up the call. Due to this disrespectful manner of working I'm submitting this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries listed on my XXXX XXXX, XXXX and Experian credit report is fraudulent, unauthorized and not my credit inquiries : XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20XXXX XXXX XXXX XXXX  XX/XX/20, XXXX XX/XX/20, XXXX XXXX, XX/XX/20, XXXX, XX/XX/20, XXXX XXXX XXXX, XX/XX/20, XXXX XXXX, XX/XX/20, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/20. Furthermore, I want all fraud and security alerts deleted and removed from my credit report. I do not want any fraud or security alerts on my credit report.
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. 15 U.S.C. 1681, section XXXX ( A ), states that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction. 

15 U.S.C. 1681c ( a ) ( XXXX ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) states : 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: Mortgage

Began mortgage refinance process early XX/XX/XXXX with BB & T Truist. Was told to expect 60 days to close ; which I accepted. As of today, XX/XX/XXXX, I am Day XXXX and still no answer as to close date.