23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We were approaching 80 % of o ur LTV thr ough  XXXX , our previous mortgage company, which told us through their amortization schedule that at {$190000.00} we would be at 79.9603 % and under the 80 % required to drop PMI. Around  XXXX  of  XXXX  our mortgage was bought out by  Specialized Loan Servicing. Alth ough we have been paying ahead of schedule, they have never sent us an amortization schedule even after we have requested it. On  XXXX   XXXX ,  XXXX  we inquired about the removal of PMI for our mortgage, since on  XXXX   XXXX  we paid down our mortgage to {$190000.00} and below 80  % of our LTV wh ich  XXXX  Mortgage and  XXXX  agreed was our init ial LTV rati o. Whe n SLS ( Specialized Loan Servicing ) too k over our mortgage they never sent us an amortization schedule. After receiving the email they claimed that we were not at 80 % and needed to prove our house had not lowered in value by signing papers to have SLS charge for a BPO/Appraisal for up to {$800.00}. They then told us we were not at 8 0 % LTV because instead of using the original house appraised value or the sale price they claim and are continuing to claim that they are allowed to use the original loan amount as their LTV base number. The appraisal price was {$240000.00}. The sale price was {$230000.00}. The original loan amount was {$220000.00}. We paid 5 % down on the house and SLS is not including that into their calculations for LTV. This is elementary math. How can a mortgage company run with em ployees that can not do elementary math. They have since charged us 3 months worth of PMI at {$88.00} per month claiming that we are not eligible to remove our PMI. We have since sent another email on  XXXX   XXXX , again asking for PMI removal. They did not respond, when called later they claimed that they assumed the " issue was closed ''. On  XXXX   XXXX , we provided evidence through a fax, that we have met all requirements necessary from our mortgage company to remove PMI, we also included a real estate market comparative analysis/BPO that our house has not only maintained its value but increased in value by 8.5 %. They did not respond. Again we followed with a phone call and they continue to argue that we are not at 80 % but believe we are at 82 %. Our current loan balance is {$180000.00} or 79.71 % of the original sale price of {$230000.00}
Product: Credit card or prepaid card

I have a bluebird card issued by American Express Travel Related Services Corp. I  made a return to a store ( XXXX ) for {$330.00}. The return went thru the normal credit card processing system, but when Amex received it they put it on hold for 7 calendar days. Their online gateway lists the transaction as Administrative Review. What is very upsetting is that their telephone representatives have told me several times that it is the merchants bank that is holding the funds and when Amex receives the funds they will credit my account. This is a lie. They simply use this excuse because they can not admit the truth. There must be some regulation that allows them to hold funds credited to the account for up to 7 calendar days. So as a matter of policy they automatically place a 7 day hold on any return over {$100.00}. They clearly use this as a way to make money on the float. If it were actually a function of the merchants bank not sending the funds in a timely manner to Amex they would address this with the credit card processor for XXXX because it would affect so many customers. Any regulation that allows them to hold funds credited to your account is designed to protect Amex from fraud or reversals. If they are doing this across the board then they are abusing the regulation at the expense of their customer for their own profit. I also have a regular Platinum Card from Amex and trust me they do not do this on that account. This is something they only do to their prepaid customers because they perceive them as an underbanked or unbanked, low-income population with no recourse. If they did this to their postpaid cardmembers they would loose too much business. But if they really had a problem collecting funds from merchants banks when items are legitimately returned they would have to make it a policy across all of their cards, which of course they do not. This happened once before but I didnt need the funds so I had forgotten about it. I like bluebird because they are the only prepaid card I have found without fees. But blocking access to their customers funds just because they can, and using this to increase their profits is insidious. Upfront fees would be preferable to being lied to and kept hostage from your own money. The irony, as usual, is that the only population that is abused this way by Amex is the one who can least afford it.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts that are reporting inaccurately on my credit file. The following accounts are reporting inaccurately for the following reasons : Incorrect Personal Information : Names : XXXX XXXX ( XXXX ) Names : XXXX   XXXX  ( TU and XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX ( TU & XXXX  ) Address : XXXX XXXX XXXX XXXX ( TU ) Address : XXXX XXXX XXXX ( XXXX  & XXXX  ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ) Inaccurate Late Payments reporting on the following accounts : XXXX XXXX - Date Open : XX/XX/XXXX ; Bal : XXXX. I was never late ( XXXX, TU, XXXX  ) Identity Theft or Fraud Accounts : XXXX XXXX XXXX ( XXXX XXXX XXXX ) - Date Opened : XX/XX/XXXX ; Bal : XXXX. I was never late. ( TU & XXXX  ) XXXX XXXX XXXX - ( XXXX XXXX ) - Date Open :XX/XX/XXXX ; Bal : {$1600.00} ( TU ) XXXX XXXX XXXX - ( XXXX XXXX ) - Date Open : XX/XX/XXXX ; Bal : {$2900.00} ( TU ) XXXX XXXX - Date Open XX/XX/XXXX ( TU ) ; Date Open ; XX/XX/XXXX ( XXXX & XXXX  ) ; Bal : {$18000.00} Chargedoff ( XXXX, XXXX, TU ) Unauthorized Inquiries : XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 4 TIMES ) XXXX
Product: Debt collection

On or about XX/XX/XXXX I received a debt collection letter from Hunt & Henriques regarding an alleged debt on XXXX credit card account # XXXX. I promptly disputed and requested validation pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692-1692p., as there was no valid debt associated with that account. Hunt and Henriques failed to properly respond to my validation request. On or about XX/XX/XXXX Hunt & Henriques filed a lawsuit on behalf of XXXX , XXXX . case # XXXX. I did not know the correct procedure to Answer the complaint, and a default judgment was entered against me on or about XX/XX/XXXX for approximately {$30000.00}. In XXXX of XXXX I had to short sale my house, and it was discovered that Hunt & Henriques had put a lien on my house. My realtor negotiated a payoff of {$2000.00} which was sent to XXXX via Hunt & Henriques out of escrow to complete the short sale and remove the lien. On or about XXXX of XXXX, XXXX XXXX XXXX . returned the {$2000.00} check as a refund on the account proving there was no debt attached to this account. This also proves that Hunt & Henriques was fraudulently trying to collect on an alleged debt which again was never properly validated. At this point Im not sure how many violations of the FDCPA are involved. The have damaged my name and my credit, not to mention the stress, coercion, intimidation fraud and extortion actions. Shortly thereafter I found an administrative remedy to create a solution. This process started on or about XX/XX/XXXX and ended on or about XX/XX/XXXX. Both Hunt & Henriques and XXXX , XXXX . have failed to respond to my affidavits. My administrative remedy created an administrative judgment against them for damages. In XXXX Hunt & Hunriques stole {$120.00} from my bank account. I also recently discovered that on or about XX/XX/XXXX Hunt & Henriques filed a motion to renew the fraudulent judgment Case # XXXX and they have a hearing scheduled for XX/XX/XXXX. 
Hunt & Henriques have never properly validated the alleged debt they were trying to collect and failed to prove their claim. 
XXXX , XXXX . returned and refunded money to me sent to them on this same account proving there is no debt associated with this account. 
Hunt & Henriques and XXXX , XXXX . both have failed to respond to my affidavits with an affidavit thereby proving my claim, and admitting damages to me in the process. 
I have attached the refunded check and un-rebutted affidavits as evidence in this complaint. Hunt & Henriques and XXXX , XXXX . XXXX failure to respond in affidavit form rebutting anything I have stated in affidavit form proves my claim and damages owed to me. Case # XXXX needs to be vacated and or satisfaction of judgment needs to be entered. Failure to comply with in 30 days will result in copies of this complaint being sent to any and all governing bodies, XXXX, XXXX, XXXX, XXXX XXXX of California, and XXXX XXXX California XXXX XXXX. 
Without Prejudice, XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX I wrote check # XXXX to a gas company, XXXX XXXX XXXX, on XXXX. I wrote the check for XXXX. Someone got a hold of this check in the mail and clearly altered/changed it to be written to an XXXX XXXX in the amount of XXXX and the funds were taken from my account! I have been trying since I discovered this on XX/XX/XXXX to work with my bank, Citizens Bank, to rectify this to no avail. They finally just informed me on XX/XX/XXXX that since it was more than 30 days since the crime occurred they could do nothing for me. We have banked with them for more than 20 years and they did nothing. So much for a being a " citizen 's bank. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I have lived at XXXX XXXX XXXX XXXX since 1983 and have never had the addresses of Equifax Former Address XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Former Address XXXX XXXX XXXX XXXX XXXX XXXX. 
Please remove these two former addresses from credit information. 
Thanks, XXXX XXXX XXXX
Product: Student loan

I attend Georgia XXXX XXXX in XXXX, XXXX My Federal loans were transferred to AidVantage. I am still in college. I have two more classes to take after current quarter. I plan to graduate at the end of this year. My mother is paying for the remainder of my classes as I work and attend one class per semester. This will keep my loan balance as is and I will not not acquire any more student loan debt. 
AidVantage sent me a bill for {$220.00} due on XX/XX/21. My total loan balance is {$22000.00}. It is my understanding that I don't have to start paying anything until 6 months after I graduate or if I leave college. I don't understand how they are calculating the {$220.00}. I don't understand how I have a bill due and I am still in school? The current interest on my AidVantage statement is showing a balance of {$77.00}, I thought the government stopped interest from calculating due to COVID? 
I have made several attempts to create an online account on their website but it is not working correctly and it always times out so I can not access anything.
Product: Checking or savings account

My direct deposit was supposed to show up in my account XX/XX/year> but it has not been deposited into my account in the amount of {$340.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I was the victim of identity theft which resulted in some accounts being opened in my name by fraud. 

XXXX XXXX {$0.00} Someone stole my identity. 
XXXX XXXX {$0.00} Someone stole my identity. 
XXXX  XXXX XXXX {$2100.00} Someone stole my identity. 
DEPTEDXXXX  XXXX {$3700.00} Someone stole my identity. 
XXXX XXXX XXXX XXXX Someone stole my identity. 
XXXX XXXX SER XXXX XXXX XXXX Someone stole my identity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Someone stole my identity. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Someone stole my identity. 
XXXX XXXX  XXXX XXXX XXXX Someone stole my identity. 
XXXX XXXX XXXX XXXX XXXX Someone stole my identity. 
XXXX AR XXXX {$0.00} Someone stole my identity.
Product: Debt collection

This company keep reporting inaccurate to my XXXX credit report I never signed any contracts with this company saying I will pay them never did they do not have my signature saying I agree to the debt they keep giving out a XXXX tracking number thats not even real this company is lieing to get by and keep reporting to my credit I will like proof that I own this company!
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX
Product: Checking or savings account

I was scammed in XX/XX/2021 and reported it to USAA which charged off and closed one of my checking accounts and froze all of my other bank accounts, making it impossible for me to conduct any banking transactions. After being scammed, I was unemployed and desperately needed the COVID economic stimulus check which I was counting on to make ends meet until I could find another job. Unfortunately, my checking account frozen by USAA was the recipient of my COVID emergency relief stimulus check. USAA has refused to release the funds which are intended for emergency assistance to me and are keeping me from that money until I am able to pay off the other charged off account. Having my accounts frozen ruined my credit because I was unable to access my stimulus to make any payments. When I needed the stimulus the most I was refused the emergency assistance due to an unrelated charged off and closed account. I have tried repeatedly to resolve it this with USAA and they have refused to help me. Their response to the scam ruined my financial standing worse than the scam itself as freezing my accounts and withholding COVID emergency funds ruined my perfect credit history.
Product: Debt collection

The debt collection company purchased a previously charged off account from Navy Federal Credit Union. The company XXXX XXXX XXXX XXXX XXXX MI, served me with court papers on XX/XX/2023, in attempt to collect the debt of approximately {$14000.00} and or garnish my wages. I filled an answer in the Magistrate Court of XXXX XXXX State of Georgia contesting the debt. Trail is set for XXXX XXXX. I never had a delinquent or charged off credit card account from NFCU. I currently have an active credit card account with NFCU that is in good standings. I have never had a late payment or overcharge the account.
Product: Credit reporting or other personal consumer reports

Account information : Original Creditor-Liberty Mutual Account # ( XXXX ) - Experian ( XXXX ), XXXX ( XXXX ) Original Creditor-XXXX Account # ( XXXX ) - Experian ( XXXX ), XXXX ( XXXX ) According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX, the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Not only have they violated the Fair Credit Reporting Act, they have also violated the Privacy Act of 1974 under 5 U.S. Code 552a.
Product: Mortgage

Greetings, I am extremely frustrated with Amerihome Mortgage and XXXX XXXX. The mortgage company failed to inform me in a timely manner that they weren't able to secure the homeowner 's insurance payment due to the failure to secure the insurance company 's information even though they had made a payment on my behalf the previous year. I asked the company why no one had emailed or call me to let me know I had no insurance they said it was against the company 's policies. It's considered harassment to send me an email even though I receive monthly payment emails from the company. I was told I am on my own and I would have to find a new insurance company, even though I am not the reason I lost my insurance. I found an insurance company and weeks later the company still hasn't received any payment from them even though they said they mailed out a check since XX/XX/2021, the company still hasn't received it up until XXXX XXXX. 

As it relates to XXXX XXXX, It has been a month now since they informed me that they are unable to reinstate my insurance, and they still haven't returned the check. I have called them multiple times along with my mortgage company and still no help. How is this acceptable when this is my money that is continuously paid on time???? how can these companies treat customers like this with no consequences?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX  XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023.
Product: Money transfer, virtual currency, or money service

I am filing a compliant against Cash App ( Block , Inc. ) Due to inadequate customer service and unfair practices, which violate the Customer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and i seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account re-aged ; XX/XX/XXXX consumer credit report is reporting first delinquency XX/XX/XXXX, XX/XX/XXXX consumer credit report is reporting first delinquency XX/XX/XXXX. I've disputed the accuracy with credit reporting agencies with no success. I have attached copies of credit reports for both years.