23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I recently had an appraisal ordered by Cardinal Financial Company ( NMLS ID XXXX ) in XXXX of XXXX to remove PMI payments since I had purchased the home with less than a 20 % down payment. The appraiser that Cardinal selected ( XXXX XXXX XXXX located in XXXX XXXX XXXX XXXX, NJ XXXX / State License # XXXX ) had been incorporated in XXXX in XXXX of XXXX meaning the appraiser had only 3 months of experience prior to conducting my appraisal.When I first bought my home Cardinal used a reputable appraisal company with a network of qualified appraisers which appraised my home at {$540000.00}. The new appraisal done this year appraised the home at {$520000.00} which significantly undervalues the home. The appraisal was conducted under incorrect assumptions which the appraiser noted on the appraisal as Subject property has not sold since the borrowers purchased the subject in XX/XX/XXXX'' and also No updates in the prior 15 years. '' There were no other deficiencies listed as the home is in very good condition. When I pointed out that this was false, the appraiser revised the appraisal and took out the incorrect assumptions, but did not adjust the values which were based on these incorrect assumptions. The appraiser used 50-60 year old homes to appraise a home that was built in XX/XX/XXXX. Cardinal Financial Company failed in its responsibility as a mortgage servicer by not selecting a qualified appraiser. I would like Cardinal to pay for an appraisal. The appraiser, XXXX XXXX, XXXX also failed in its duty to do a thorough mortgage appraisal and when mistakes were pointed out, they did not adjust the values. The appraiser spent a total of 5 minutes appraising the home and the report itself was very haphazard. 

This debacle has forced me to continue to pay PMI Insurance at $ XXXX/month even though it's obvious to anyone with familiarity of the local housing market that I have more than 20 % equity in the home. The servicer refuses to allow me to speak to someone from their PMI/Escrow team. Cardinal 's customer service team has stated that they " do not have a number to that team. '' I learned on XX/XX/XXXX that Cardinal is transferring my loan servicing to XXXX XXXX   after I launched my complaints. The loan was already sold to XXXX XXXX and there was no reason offered for switching the servicing of my loan to another servicer. This servicer obviously has no idea that I am currently disputing the appraisal value and my PMI premiums. This is an attempt by Cardinal to get out of paying for a new appraisal and potentially having to pay me back for PMI premiums I should not have paid.
Product: Mortgage

Wells Fargo reached out to its mortgage customers at the start of the Pandemic and in a flick of a button deferred my two mortgages for 3 months AND that the payments would be moved to the end of the loan. Now I have started receiving messages to call them or go online and tell them how I want to catch up and my payments are showing past due on the online banking site. I have tried to call again and again. I have been on hold for 52, 55 minutes listening to a message every 30 seconds that someone would be available shortly to help me. At the 50 plus minutes mark, they disconnect the call and instruct the customer to call again later. 

Their promise was that these payments would be moved to the end of the loan and that is what I expect to happen NOW.
Product: Debt collection

To Whom It May Concern, I am writing to file a formal complaint against XXXX  regarding the unlocking of my devices following a payment made to a collection agency for a settlement offer. On XX/XX/2024, I made a payment to ( Amsher Collection Services ] for a settlement offer of XXXX arranged with XXXX. The agreed settlement amount was paid in full as per the terms provided by the collection agency. 

However, upon contacting XXXX to request the unlocking of my devices, I was informed that I would need to wait an additional 30 days before my devices could be unlocked and pay the full amount of {$1500.00} when I was given the option to pay the settlement amount which would settle the account. This information was not communicated to me before making the payment to the collection agency, nor was it outlined in any correspondence or agreement provided by XXXX or the collection agency. 

I have attempted to resolve this issue directly with both XXXX  and the collection agency, but I have not received satisfactory assistance. XXXX insists that I must wait 30 days for the unlocking process to be completed, despite having fulfilled the terms of the settlement offer. 

This situation has caused undue inconvenience and frustration, as I rely on these devices for communication, work, and my children. I believe that XXXX 's failure to unlock my devices in a timely manner after the settlement payment constitutes unfair and deceptive business practices. 

Therefore, I am requesting the following actions : XXXX. XXXX unlocking of my devices by XXXX. 
2. Investigation by the Consumer Financial Protection Bureau into XXXX 's policies and Amsher collection services and practices regarding device unlocking following settlement payments to collection agencies. 
3. Appropriate remedial action to ensure that other consumers do not encounter similar issues in the future.
Product: Credit reporting

Clarity Services , Inc., a credit reporting agency has on more than one occasion requested my credit file from XXXX on behalf of Payday Loan companies without my knowledge. I wrote Clarity and requested that they stop this practice. Their response was disturbing ; they stated that they resell XXXX data, and that they need additional data from me such as SSN and a copy of my drivers license. NOT GOING TO HAPPEN!
Product: Checking or savings account

Capital One offered a checking bonus of {$400.00} when opening a new checking account with promo code XXXX. I applied the code and opened the account on XX/XX/XXXX and received two or more direct deposits totaling $ XXXX+ within 60 days of account opening as required but the bonus was denied to me in a XX/XX/XXXX e-mail from the bank for having a previous 360 checking account opened per their terms : " If you have or had an open 360 Checking account as a primary or secondary account holder with Capital One on or after XX/XX/XXXX, you will be ineligible for the bonus. '' I do have another checking product opened, an ING Direct checking account, but nowhere in their terms does it say having an ING Direct account opened makes one ineligible for this offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022 The Credit bureaus stated Account Name XXXX XXXX XXXX Account # XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. They also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

I haven't given these agencirs written permission to furnish these accounts on my credit report as well
Product: Money transfer, virtual currency, or money service

My friend, XXXX XXXX XXXX someone on XXXX  about Mining Pool using Coinbase Wallet. This scammer said if I open a Coinbase Wallet and deposit USDT ( tether ) you can earn liquidity mining rewards based off USDT. The scammer then sent him a mining certificate that allowed access to the mining pool. I think clicked on the mining certificate which turned out to be a smart contract that gave the scammer complete control of my coinbase wallet on USDT. I then deposited USDT one a time and proceed to earn rewards in USDT. I continued to add USDT when on XX/XX/2021, the scammer emptied my Coinbase wallet and drained all my funds. 
In total, {$310000.00} was stolen out of my wallet and transferred to other wallets.
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Name : XXXX XXXX Name : XXXXXXXX XXXX  XXXX Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX, XXXX, T Also Known As : XXXX, XXXX, XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX XXXX Former : XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Employers : XXXX XXXX : XXXX XXXX Collection/Charge Off XXXX XXXX XXXX XXXX XX/XX/XXXX {$1700.00} XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$4700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) XXXX XX/XX/XXXX {$930.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX  XXXX  ) XX/XX/XXXX {$1700.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$890.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$930.00} XXXX XXXX XXXX XX/XX/XXXX {$430.00} XXXX  XXXX XXXX XX/XX/XXXX {$330.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$480.00} XXXX  XXXX XX/XX/XXXX {$460.00} XXXX  XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XX/XX/XXXX {$450.00} XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$880.00} XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XX/XX/XXXX {$460.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) XXXX XX/XX/XXXX {$930.00} XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX  ) XXXX XX/XX/XXXX {$890.00} XXXX  XXXX  XXXX  XXXX XX/XX/XXXX {$460.00} XXXX  XXXX XXXX {$140.00} XXXX  XXXX XXXX XX/XX/XXXX {$150.00} Late Payment XXXX XXXX XX/XX/XXXX {$0.00} Inquiries XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX  XXXX  XXXX XXXXXXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

i have not supplied proof under the doctrine of estoppel by silence, Engelhardt. Gravens ( mo ) 281 sw 715,719. presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Debt collection

XXXX and the XXXX XXXX XXXX XXXX has sent in accurate billing to XXXX collect dating back to 2016. While I was under states insurance XXXX billed me two times sending this to collections with Americollect. This is in accurate fraudulent charges on my credit report. 

Americollect has also billed me multiple times with an accurate medical billing claims and estimated charges of over {$14000.00} completely destroying my A1 credit. no help and absolutely no remorse.
Product: Debt collection

ERC - Enhanced Recovery Company continuously harasses me via phone. I've asked that my number be removed from the list and the next day the calls came in more. I get about 10 to 15 calls a day from them. The most recent call was today XX/XX/2020 at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked for a credit limit increase and they denied it, but still reported an inquiry to the credit bureaus which decreased my credit score and will remain on my credit report until 2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : I would like to get this credit freeze removed from Equifax. 
I would like to change my employer. 
They need to update my address. 
I need a soft pen number in order to go forward with my finances. 
All this is impossible I've been trying to do this for 2 years they would not release this credit freeze. 

If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 

If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 

I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 

All correspondence should be sent to my attention at the above address. 
XXXX XXXX Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights. 
-Under 15 USC 1681 section 602 states I have the right to privacy.

-Under 15 USC 1681 section 604 section 2 states a consumer reporting agency can not furnish an account without my written instructions.

-Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

My XXXX XXXXXXXX XXXX XXXX sent me for XXXX XXXX XXXX XXXX  to one of their partner offices XXXX XXXX XXXX, I had to pay for many services like exams again. After all I paid {$45.00} for visit, {$610.00} for the job after the insurance covering {$270.00}, - of it. Now after a few weeks I received another letter from their office for {$210.00},- and at the same time I received a letter from the mentioned debt collector Amer Assist for the {$210.00}, - When I called the dental office they just said that they will ask a manager to call me. But that never happened. After contacting my insurance they gave me the numbers they paid to the XXXXl office and it clearly showed that I was over charged. So they also told me that they will send a letter to them to refund me the balance. 
Explaining all this to Amer Assist I was told that if I dont pay it will be reported to the collections. The only chance was to pay them or have the XXXX XXXX  contacting the collections to remove their request. 
First I dont understand how rude can the XXXX office be, by sending the request to me and to the debt collectors at the same. 
Second how come that Amer Assist didnt even take the effort to look at the bill and bring to their attention that their bill was sent to them immediately when it was sent to me at the same time. I didnt get a chance to pay it. Now it is forced this way. 
No problem that {$210.00} will not kill me. But Ill see them at the small claims court. 

Welcome to America, Big eats Small
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX requesting you to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA, 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  : {$230.00} XXXX XXXX XXXX XXXX XXXX  {$8000.00} XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX : {$1900.00} XXXX XXXX XXXX XXXX XXXX : {$1500.00} XXXX XXXX XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX XXXX : {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} XXXX XXXX XXXXXXXX XXXX XXXX {$410.00} U S DEPT OF EDXXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$190.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA 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 ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the ( date of the Previous letter ). Ive already included this in my previous Complaints & I am including it again. Please comply with the Fair Credit Reporting Act section 605b nad have the disputed items removed as soon as possible.
Product: Credit reporting or other personal consumer reports

Could you confirm if FCRA 605B obligates us to eradicate any incorrect accounts from my credit report? I request a review of the documents as some of the listed accounts are inaccurately reported.
Product: Mortgage

Flagstar Bank is refusing to cancel my PMI ( Private Mortgage Insurance ) from my mortgage. Flagstar  valued my home at {$280000.00} and it currently has a loan-to-value of 80 %. 

Today XX/XX/XXXX, I received a letter form Flagstar that stated I need to have a loan-to-value of 75 %. The Homeowners Act of 1998 states a mortgage company should cancel PMI upon written request and having a loan-to-value of 80 %. Even with that knowledge Flagstar is refusing to cancel PMI.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit report is inaccurate 15 U.S.C, 1681 sec 602 a I have the right to privacy 15 U.S.C. sec 604 a sec 2 a consumer reporting agency can not furnish an account without my written instructions.

check all negative accounts that they are 100 % accurate, if not remove them.

Also I need for each collection items the original purchase agreement and proof that I am the legal owner of these agreements.

If no proof is provided, remove them from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block, inc. ) due too inadequate customers services and unfair practices, which violate the customer financial protection act ( CFPA ) specially, Cash App failed to take timely and effective measures to prevent and address fraud on there platform, leaving my account vulnerable and unprotected furthermore their dispute resolution process was unfair and deceptive. As they did not comply with errors resolutions requirements under the Electronic Fund Transfer act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Student loan

I applied to go to XXXX after transferring home From XXXX XXXX and XXXX XXXX XXXX XXXX after my mother had a XXXX XXXX on XXXX. I was only XX/XX/XXXX years old. 

After getting in, I only got about half of the money due for tuition in financial aid. So I had to go the private sector route. I first got a loan applying with my grandmother ( has since passed away after I graduated from XXXX XXXX ), this was from College Ave services. They gave me, {$31000.00} ( XXXX ID - XXXX ) for XXXX year of tuition. Disbursed on XX/XX/XXXX. After my first year I was taking summer classes. This time again, I would need financial aid. Not getting enough I would turn to the private sector again, But only this time I was denied any further loans from College Ave, even with my Grandmother as a cosigner. So I turned to XXXX XXXX. I was approved with my grandmother again as cosigner, for a loan of {$8800.00} ( Loan ID - # XXXX ) that was disbursed on XX/XX/XXXX. After summer classes, my Junior/Senior year was about to begin, and so I had to find more funding. This time though, nobody would approve me, I tried multiple different websites other than but including, XXXX XXXX and College Ave, I do not fault the others as looking back now as an actual adult how wrong it would be to give a person like me funding of that nature, but so many companies feast on people like me. I also tried multiple different cosigners from my family, but no luck. Therefore, I had spent a just about a year at XXXX, borrowed over {$60000.00} total ( including federal loans, just principal, now it is much higher ), and for nothing. I borrowed all that money to go to a dream school, with an incredible reputation, thinking I was knowing the risk and " knowing '' ( truly hoping ) a degree from there would be worth the money. I truly believe they both XXXX XXXX and College Ave gave me the original loans, more than well knowing that they would not approve me for a second one. How that is not unlawful is beyond me, but now I am stuck, worried sick about how to live, because I have this huge debt on my shoulders. In total with Federal I owe currently about XXXX in loans, and I graduated from a school that would have cost me {$80000.00} had I never tried to achieve a dream degree.
Product: Checking or savings account

When I opened an American Express charge card, XXXX of the " perks '' was an American Express XXXX Savings Account, at AMEX BANK XXXX XXXX and every time the card was used, AX would deposit 1 % of the purchases into the account, that back then was 5.00 % APY. I opened the card in XXXX and closed it this year in XXXX, after I was told by the XXXX XXXX in XXXX that it is considered a " white '' American Express and I was unable to use it there. This past weekend I was clearing out data and found the attached. After numerous attempts to log in online, I phoned American Express who said they didn't have any record of me having an account and the money isn't with the state or IRS, so where did it go? American Express robbed me and numerous others with what appears to be bogus.