23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XX/XX/XXXX CMS Carrington Mortgage forces placed insurance, for {$2000.00}. I already had insurance, l paid every year HOC in my condominium which include flood, hazards, and wind insurance, l called insurance department in their office and they mention to fixed, CMS, never intended they overcharged a row an result of an extra payment that put me behind in the loan, my credit was ruin l wrote letters, no success, finally Carrington send me to foreclosure with lawyer fees, on top, l was on XXXX XXXX. Im XXXX XXXX XXXX XXXX on my own, l paid the overcharges to lawyers fees etc. to avoid foreclosure, and wrote letters about the errors requesting moneys back, l didnt received answers about errors, l was not behind .and l paid almost 5,000 dollars to carrington , they never paid me back, or intended to resolved the negligence, In XX/XX/XXXX, Carrington started the same forceplace insurances, l wrote letters, credit ruin again XX/XX/XXXX, l continued making my payments on time they claim l was behind for the forced place insurance overcharges in scrow , XX/XX/XXXX, CMS , still continue errors, not wanting to fixed overcharges, XX/XX/XXXX l was in Disaster Area, due to Huracan in Florida , CMS really create Confusion to the loan, l had made may payments on Time, l have proved XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, after huracan they overcharges and send me to foreclosure, in XX/XX/XXXX. Not allowing me to reinstate my loan due to the errors they have created. I hired A lawyer to avoid foreclosure and resolved the issue, CMS is not Cooperating to resolved their errors. Im spending 1 1/2 year to resolved situation. And paying lawyer instead of paying my loan, the money is for lawyer fees to avoid foreclosure. This is wrong doing, CMS has 2 class action suit agains them, l was not notify of any, l havent been compensated of any negligence .l founded on the internet. I will like to resolved this matter soon. Is affecting my personal life and health, CMS negligences, I will like to know what is to do next sue this company.?, l need to come back current on the mortgage and they are not resolving, since XX/XX/XXXX, CMS, has taking advantage of this loan and myself as a costumer.
Product: Credit card or prepaid card

On XX/XX/XXXX I opened up a credit protection claim for my account with aspire credit card. 

I received confirmation on XX/XX/XXXX that my documents were considered under review. 
On this date Also I learned of missing claim document that needed to be turned in, that I never received. 

XX/XX/XXXX I contacted aspire as to why the claim was still just pending and let them know I never received the extra document. 

And in between XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX I consistently reached out to aspire on this document that was missing and tried to receive via email but only received the same email back every single time. 

" Thank you for the opportunity to serve you. This email is in response to your recent inquiry. 

We understand your concern. In order to better assist you with your request, please contact our credit protection team at XXXX. Their hours of operation are XXXXXXXX XXXX XXXX  XXXXXXXX XXXX EST from Monday to Sunday. 

We appreciate and value your business. Please let us know if you have any further questions regarding your account. '' On or around XX/XX/XXXX I called and was able to speak with someone on the phone with aspire that told me they couldn't process my credit protection claim because " i was so far behind on my payments ''. 

But on XX/XX/XXXX I actually received notification that my credit protection claim was now denied because of the document they didn't receive nor did I receive from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity was stolen and somebody opened fraudulent accounts under name when I received a collection notice in the mail. I immediately contacted the credit bureaus and filed police reports. The two fradulent accounts are charge-off credit card account ( XXXX ) from XXXX XXXX XXXX  in the amount of {$3000.00} and XXXX XXXX account in collection ( XXXX ) in the amount of {$2700.00}. Identity thief ruined my credit and destroyed my family 's future. I've asked credit bureaus to remove the fraudulent items off my credit reports, but they refused to do so.I don't know what else I can do to get the justice I deserve as one of the millions of American who fall victim to identity theft every year.
Product: Debt collection

Resurgent receivables llc I do not have a contract with this company. Collection is not from orginal creditor. I have never heard of this company.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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

Transunion XXXX XXXX and XXXX are both reporting that I had an account with XXXX XXXX XXXX . I never opened an account with them. According to the Fair Credit Reporting Act ( FCRA ) Section 1681e - Reasonable procedures to ensure accuracy : This section requires credit reporting agencies to maintain reasonable procedures to ensure the accuracy of consumer credit information they collect, maintain, and disseminate. This includes procedures to verify the accuracy of information reported by creditors, and to correct or delete inaccurate information. 
Section 1681i - Reinvestigations : This section gives consumers the right to dispute inaccurate or incomplete information in their credit reports. Credit reporting agencies must investigate any dispute and, if necessary, modify or delete inaccurate information. The agency must also notify the creditor or information furnisher who provided the disputed information about the dispute. 
XXXX XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/21 Original Balance : {$520.00}
Product: Student loan

I have been advised that my loan is being serviced by Firstmark Services although it is owned by Firstmark Serviced Trust. When attempting to negotiate the terms of my loan I was told, by Firstmark Services, that they are only a servicer and can not make any changes to my loan. I was told that I would need to reach out to my lender to attempt any changes. I asked Firstmark Services for a direct contact to my lender and was refused initially, now, Firstmark Services says, via my initial complaint to CFPB, that there is no direct contact information for my lender. I believe borrowers should have access to their lender which was the case before my loan was sold by XXXX to Firstmark Serviced Trust.
Product: Credit reporting or other personal consumer reports

This is a Hard Inquiry that I did not make XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX This is a Hard Inquiry that I did not make XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX This is a Hard Inquiry that I did not make XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX This is also a Hard Inquiry I did not make Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX All of these Hard Inquiry 's are showing up on my Credit Report and they are false and misleading because I did not authorize these companies to pull my Credit. 

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

I am not the person with a felony. I have never been in XXXX County court. I have never even been arrested for a felony.

I am not convicted in anything ever from XXXX County.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX account number XXXX ( XXXX  XXXX ), XXXX XXXX XXXX account number XXXX XXXX XXXX XXXXXXXX ), XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX account number XXXX, and XXXX XXXX XXXX account number XXXX XXXX XXXX XXXXXXXX ) 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 : also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

XX/XX/2024 ; The company sent me a threatening letter by XXXX threaten me that they were going to send to a law firm by XX/XX/2024 if I did not make a payment plan. 

I attempted to do this plan but I got sick ; daughter is ill ; car been in an accident ; insurance was not correct ; also my Benefits were reduced because of the medical-medicare amount taken from my check. Very hard for me because of all the events happening and the inflation we are dealing with ; have to take care of daily living items first ; then can possibly pay on plan later on in year.
Product: Credit reporting or other personal consumer reports

The XXXX reporting agencies, XXXX, Equifax, XXXX - because they have ignored my several attempts to clear my credit, reselling old accounts so that they can keep putting it on my credit report They have violated -As of XX/XX/year>, an amendment to Regulation F ( which implements the FDCPA ) tightened the leash on debt XXXX. 
They are also in violation of this as well - a debt collector reports a debt to the major credit bureaus ( Equifax, XXXX, and XXXX ), they must : Speak to you in person or over the phone, OR Mail you a letter ( or send an electronic message, like an email ) about the debt.

Then, they need to wait a reasonable period of time ( at least 14 consecutive days ) to see if the notice comes back undeliverable. 
They have never done this, Never. 
If they get a notice of undeliverability, they cant report the debt unless theyve achieved communication as described above. ( violation ) CRAslike Equifax, XXXX, and XXXXshouldnt be selling bad credit reports like hotcakes. In fact, theyre bound by the Fair Credit Reporting Act ( FCRA ). ( Violation ) The FCRA ensures that CRAs report accurate and fair information about you. If theyre re-entering bad info without proper validation, theyre definitely breaking the rules. ( Violation )
Product: Credit card or prepaid card

They would not reissue my expired cards. Case # : XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Bureau once again did not allow me to dispute using typing form but to call. It is inconvient and I wd prefer to use typing form to file a dispute. The Experian lowered my score ny 19! It was XXXX XXXX XXXX XXXX fault and like I said before Experian did have the access to my XXXX XXXX XXXX XXXX XXXX but they dont bother to look but reported on what bank reported. I closed the acct with XXXX XXXX XXXX is because of their corrupted lies. I was never late! Was late for first time in XX/XX/2019 only and it was not my XXXX fault! Secondly, Experian lowered the score just because I closed the acct. See attachments. The reason why I closed is because of XXXX XXXX corrupted lies and false info.
Product: Mortgage

Two years ago I made a Trust Deed Investment to someone in a group of Real Estate Investors and I insisted that the loan be against a property in California, XXXX XXXX XXXX, XXXX, Ca. XXXX,. As it turned out the investment group was involved in a XXXX scheme. I wound up foreclosing on the property because they stopped paying the interest on the loan. The XXXX loan is held by SLS llc. The XXXX loan was made to XXXX and XXXX XXXX-the people I foreclosed upon. SLS LLC refuses to put the XXXX loan in my name, even though I paid up close to {$19000.00} to get the loan current. SLS LLC keeps telling me that they will only release information on the XXXX loan if the XXXX give the ok. Because I foreclosed on them, this will never happen. SLS LLC will not accept my new insurance on the property, will not put my name on the first, and will not communicate with me. I have sent registered letters to the CEO at SLS LLC headquarters, XXXX XXXX, on XXXX, 2015 as well as XXXX XXXX , V.P at SLS LLC . I also sent a letter to SLS LLC Headquarters and faxed a copy to them just to make sure. They replied with a statement that they could not identify the associated mortgage loan with the information provided-I provided the address of the property on the first line of my letter to all of the above, i.e. the XXXX, the XXXX, the headquarters fax as well as mailed letter. 
XXXX XXXX received the updated trust deed information to confirm my acquiring of the property-yet they have refused to put my name on the property and the first loan. They will not even refer me to a supervisor as I have requested. They are the worst mortgage company, or any type of consumer company, that I have ever communicated with. Now I do not know how much the monthly mortgage payments are, and the mortgage is due on XXXX XXXX, 2015. WHAT AND HOW MUCH DO I SEND IN TO COVER THE MORTGAGE????? 
Included are trust deed affirmation in my name, the letter I sent to SLS LLC -the CEO, VP and Faxed and mailed to the company. Finally, in the letter is the civil code which shows that am legally, in the eyes of the law, the new owner of XXXX XXXX XXXX, XXXX, Ca. XXXX. All this info was in the letter-yet SLS LLC stated they it was not in the letter. They did nothing to rectify this problem. I have since gone on the internet and the complaints against SLS LLC are numerous and all the people dealing with them have had similar or the same poor if totally lacking service from this company. PLEASE TAKE ACTION ON THIS COMPANY ASAP. This is my second complaint to you and have had no luck in even basic communication with this company, even though I have included my phone number in every communication, as well as address. 
Thank you, XXXX XXXX XXXX XXXX XXXX, XXXX, Ca. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am grateful that you took the effort to discard some of the data in my credit report, but there are still items that require deleting. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). These disputed items should be corrected and removed from my file immediately. 
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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThere is an account with XXXX XXXX XXXX with account number XXXX on my XXXX that was opened on or around XX/XX/XXXX. 
I reached out and informed them aboutthese accounts that are not my accounts and to remove them from my record but they have not removedit. I did not open these accounts and I have no knowledge of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been contacting XXXX, Transunion, and XXXX for the last several months about inaccuracies and fraudulent information on my credit report. I have tried sending certified letters to the po box es that are listed on their websites, I have tried disputing online and I have also tried calling them about these issues with little to no results. I have submitted a copy of my fraud report but XXXX in particular are not cooperating and is insisting that they have not received any of my complaints or documentation. 

According to the FCRA and FDCPA several of my rights have been violated. 1. section 623 crushman vs transunion and 806 B of the FDCPA says that items that were already deleted have been re posted to my account without contacting me within 5 days. 2. Section 611 A1 is a violation in which the creditors did not report that this information was under dispute to the creditors reporting the debt. 3. section 604 A3 is a violation due to the inquiries that were placed on my account without my permission or knowledge. 4. Section 603 and section 605 indicate that the information being reported on my report must be 100 % accurate or it must be deleted. some of the accounts have been updated as closed but they have not been deleted which is a violation of my rights. 

The creditors in question are : 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 XXXXXXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX The collection accounts that are not accurate are 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 XXXXXXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX
Product: Credit card or prepaid card

I have request US Bank to closed my account and refund my annual fee. 
They refused to return my annual fee of {$95.00}, claiming I received benefits. 
I inquired what benefits were received? 
They said " you will receive them in XX/XX/2020. '' I declined any future benefits and requested refund since I am not in receipt of any benefits as of request date of XX/XX/2020, they said " you are denied. '' I been trying to close this account through their web site but their site was constantly not functional. ( I have screen captures as proof. ) Their system and procedures have failed and hence hindered me in closing my account. Therefore I requested my refund and they refuse, when it is clear NO benefits were received. And they already closed my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im just mailing you to let you know, respectfully, that you are incorrectly reporting some information on my credit report. Im pretty frustrating to be honest, but I know that mistakes happen. I trust youll fix the situation. Heres the wrong info : XXXX  XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXXXXXX XXXX XXXX Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME
Product: Credit reporting, credit repair services, or other personal consumer reports

After my lease contract with General Motors I returned the car on time and fulfilled my payment. I was reported about a late payment that I was not aware of nor was I informed. I actually leased another from the same lender ( General Motors ) soon after my first lease was over. I called General motors about this and was told they will fix this unfortunately it is still showing a 120 day delinquent on my credit report.
Product: Mortgage

We started the refinance of our house with WellsFargo back in XX/XX/2020. 
The re-finance was approved, processed, and closed on XXXX XX/XX/2020. 

However, 1. The final numbers on the final statement provided by the escrow company do not match the numbers provided by Bank. We have raised the concerns multiple times with the gent of the bank ( will refer to as " the bank '' ), but the bank did not provide help clarifying the confusion and mismatch of numbers. 

2.there are 500+ USD pre-paid credit card charges ( for appraisal, but later waived since they accepted our previously provided appraisal report ), which should have been refunded in late XX/XX/2020, never refunded ( as of mid-XX/XX/2020 ). The bank agent is not helping give explanations. 

The above mismatches and refund issues were not helped by the bank mortgage agent. The issues remain for 3 months and counting. It made us feel the bank is not properly handling our case and made us lost confidence and trust talking to the agent, which is the only interface that has the context of our case.
Product: Payday loan, title loan, or personal loan

I'm a loyal customer of First Hawaiian Bank ( FHB ), and in early XXXX, I opened an installment loan with FHB ; the term was XXXX months, and I arranged for automatic payments/withdrawal. Unbeknownst to me the final payment could not be made automatically, but rather require manual payment. 

I received notice in early XXXX that my final payment was past due because it was not automatically deducted and that I needed to make the final payment manually. Up until the final payment, I had never missed a payment. 

I called FHB on XX/XX/XXXX, and informed them that I didn't know the final payment had to be made manually, and that I could wire payment immediately. I was told if I initiated the wire transfer that day, I would be within 30 days of the due date, and therefore, it would not be reported to the credit bureaus as late. 

On XX/XX/XXXX, I received a call from FHB that payment was received and they would not report the final payment as late to the credit bureaus. 

In XX/XX/XXXX, I reviewed my credit report and noticed FHB did, however, report the payment as late -- and it affected my credit scores negatively by over XXXX points. 

I called FHB on XX/XX/XXXX, and left a message with the loan department to inquire about the situation. On XX/XX/XXXX, I called again and was told the loan department was unavailable but that a message would be left on my behalf and the loan department would return my call. On XX/XX/XXXX, having not yet heard back from the loan department, I called FHB again -- and once again was told the loan department is unavailable.
Product: Checking or savings account

On XX/XX/XXXX an unauthorized payment for {$3000.00} was made from My cash app account to another unknown cash app account. I immediately reported as fraudulent to cash app as well as reporting an incident that happened 5 days before where I received notice that My pin requirement setting was turned off. I did not do this and when I checked app settings it was not turned off but to be safe I changed My pin thru the app and toggled setting off then immediately back on. I submitted to them the supporting documentation as well. The actions and treatment from support is blatantly avoiding resolution to the point I suspect to perpetuate the internal fraud committed when the money was stolen from my account. My account was completely secure on my side so why is cash app is unwilling to prove the promise of encryption was fulfilled on their side?