23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Summary : Amex express told me false and misguided information about my balance transfer offer before and after, and denied my right to apply for balance transfer during valid time, and they did't honor their previous promise, thus my second balance transfer application was denied. 

I applied for balance transfer of my amex card, and I was told that the balance transfer offer is valid during 60 days after first day of my account opening. My account opening day is XXXX XXXX, 2024, during my first time call and online conversation with Amex customer service, I was told that my card balance transfer offer is valid for 60 days, and my total credit limit for balance transfer is {$7500.00}. I applied for my first balance transfer on XXXX XXXX for {$1500.00}, that makes me {$6000.00} left for balance transfer offer with the valid time, which should ends on XXXX. XXXX. 

But last week XX/XX/2024, when I called Amex and applied for it, I was told I do not have any balance transfer offer, and I have already maxed out my limit. I filed a complaint, and ask them to check my conversation via telephone and online chat with their representative, Amex still said my limit for balance transfer is {$1500.00}. 

I have online conversation details, and I have talked with their representative twice to confirm how much more credit I could apply for balance transfer, I was told that my credit limit was {$7500.00}, and I still have {$6000.00}. Now Amex suddenly told me that I do not have balance transfer available, which should be valid for 60 days, and that my limit is only XXXX. And their internal investigation still hold the same position even I showed them the conversation proof.
Product: Debt collection

Gentleman called I asked for a statement, what I received was my FIRST letter stating I/ my husband owe the debt. They had supposedly been sending letters but to the wrong address. I am not debating the fact that I owe something but I would like to see a statement and the original agreement. If they could not provide it I would go straight to the company to get the agreement and what is owed. The gentleman that called me this morning was extremely RUDE he called me a liar when I stated I never received a statement and proceeded to give me the dates I owed. Told me that the original company had attempted to contact us and send us letters. We never received anything from the music store until the debt collectors started. The same gentleman has stated that when my husband told him he was unable to pay right then as he was at work and had no way to pay, that he was turning him in at the end of the day and today told me he was reporting it on Monday more in a threatening way then really doing it. He would hardly let me get a word in edge wise when I was trying to tell him that the original company had never contacted us when there was a problem. This is when he proceeded to call me a liar. He has no idea what the circumstances are .... and for him to be so rude and nasty to myself and my husband is uncalled for. I want a statement showing the charges and I would like to see original agreement which would include the address my husband had put on it to make sure it was not his mistake on the address. I do not think that is to much to ask for. The messages say its from XXXX XXXX the letter we received dated XXXX XXXX is from united Recovery Solutions Credit and Collections Firm. I have never heard them state this name ... how do I know this is the same place? I thought when I asked for a statement i would receive a statement not a letter.
Product: Debt collection

Property Management : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX The debt is for apartment lease. First of all, I tried my best even before I move out to get a statement ( sent emails, registered letters by XXXX, handed letters to the office ) from the property management to pay, but because of their miscommunication and carelessness, I received a statement after XXXX months accompanied with annoying calls from a collection agency. The property management by the community XXXX offered me a settlement payment, it's overcharge but I paid to end this issue. The agency keeps frequently sending me short missed calls, and when answers, they threaten me to report my credit file and go to court. I told them many times that I settled my payment but they still threatening me and lastly asked me how much did I pay to the property! They call me while driving, eating or working and within meetings, they rudely speak and disturb my day.
Product: Debt collection

Unfortunately, I do not have dates associated with these things. 

I have contacted Wakefield & Associates multiple times trying to get my debt resolved. My initial complaint was that I had paperwork saying that my debt had been written off 100 %. I contacted them via email asking for an account number and submitting a copy of the letter saying that my debt was written off. No response. 

I then disputed the debt on my credit report. The credit reporting agency said that the debt was verified. Still nothing from Wakefield. 

I disputed the debt again, stating that I have unable to get in touch with Wakefield. The credit reporting agency said that the debt was verified. Still nothing from Wakefield.

I finally was able to pay the debt in full through Wakefield on XX/XX/2019 because I have no other options and my credit score is continuing to go down.
Product: Credit reporting or other personal consumer reports

Address : Account number : XXXXXXXX XXXX XXXX last XXXX ss # XXXX Dear XXXX XXXX recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

6. Forward flow agreement Please cease and desist from collecting on this debt until you have provided validation of the debt 7. 1099 c being that the debt was charged off and considered income 8. The account was charged off twice when it onlysuppose be charged off once thats inaccurate information 9. This account is also deleted form my transunion 10. Chain of assignments Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX  XXXX Veteran with a VA mortgage with XXXX XXXX. We have never been late or missed a mortgage payment. On XX/XX/XXXX, my families home was completely destroyed in a fire, unrelated to a Federal Declaration. Upon inspection we were informed that the home would take upwards of a year to be rebuilt and due to misinformation given by XXXX  insurance department we found out that we lacked homeowners insurance and are responsible for paying for the rebuild out of pocket. We immediately contacted XXXX  and requested information on assistance or options to avoid losing our home and were directed to apply to loss mitigation. We submitted the application and documentation due to the extreme hardship and additional costs related to rebuilding our home, paying for temporary housing in the interim and replacing everything in the interim. We were approved for a special forbearance plan effective XX/XX/XXXX that suspended all payments for 7 months and were directed that if more time were needed to submit a letter with the request. Prior to and after the approval we were asking XXXX  staff how the loan would be reported if we were approved for a loss mitigation plan and were told that XXXX  would report that we were in a payment plan due to a disaster, but once the plan was in place XXXX  has only been reporting that we are in default and not that there is a approved payment plan in place and agreed to due to the disaster we experienced. As its being reported presently, it looks as if we are simple not paying our mortgage. 

Ive contacted XXXX  multiple times since XX/XX/XXXX to discuss how they are reporting to the bureaus, requested that they amend and/or correct the information and Im not getting answers or responses to my requests and questions.
Product: Credit reporting or other personal consumer reports

Ive also contacted Equifax, XXXX XXXX and XXXX regarding unauthorized inquiries due to identity theft. I have reporting documents, stating these facts all financial XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX credit bureau, XXXX XXXXXXXX and etc. are all on authorized inquiries ive also called and sending information regarding updating my personal information and no respond back.
Product: Credit reporting or other personal consumer reports

Wrong name continued to be listed as XXXX XXXX XXXX My name is XXXX XXXX XXXX
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 these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX DO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It occurs that my credit report has been compromised. Again, I was going through my files & noticed these items that 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 any information or items which were found to be opened due to identity theft. The disputed items do not belong to my file. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these items. XXXX XXXX Balance : {$1700.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$550.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$800.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$320.00} ; XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX & XXXX XXXX  Date of inquiry XX/XX/2020 ; XXXX  Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX Date of inquiry XXXX If you feel there is a possibility these items belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Mortgage

I have a primary mortgage loan and a fixed rate home equity loan with Pentagon Federal Credit Union ( PFCU ). I pay each by allowing them to debit my checking account monthly thereby I am never late. My primary Mortgage loan is perfect and they credit my payment and additional principal monthly as they should. On my fixed home equity loan, for several months I was adding additional principal to my monthly payment, however PFCU would simply withold the additional principal and never applied it to my loan. Instead they began to move my payment due dates back.. I phoned them on 4 occasions to correct this discrepancy and even discontinued the additional principal payments since PFCU was just holding it for months and never crediting it to my account. I have asked ( most recently on XX/XX/18, that PFCU either apply the additional principal I have paid to my loan nor refund to my PFCU savings ( share account ) immediately. In addition since the time is measured in years I feel they should pay me the appropriate interest on the money they are with holding. The people at PFCU are always polite and try to be helpful but they seem grossly incompetent in investigating and resolving a consumer complaint. I am a XXXX veteran and quite frankly I am tired of dealing with them. Please help.
Product: Checking or savings account

On XX/XX/2021 I had a balance of roughly {$900.00} in my Albert bank account. I had made a purchase for a rental car through the mobile app XXXX in the amount of {$440.00}. There was an error on the merchants end and I was immediately refunded the entire amount. I then checked my account and seen that there was a positive balance of {$440.00} pending to be re-deposited into my account. I then contacted Albert customer service asking when I could expect it to be available in my account. I was informed they could see it was pending. I continued to contact them. And within days I realized they had removed the transaction from my account completely. ( Later even realizing it was removed from my statements also ) but thankfully I took screenshots of my receipt, my transaction history, the pending positive balance, and our conversations where the representative agreed that what I was correct, that the purchase was made and they could see the balance pending to be re-deposited. But months later Im still battling with this horrible bank Albert to get my money back. Ive been ignored and given the run around numerous times. Ive been told so many different things as to why I dont have my money. Ex. That I never made that purchase, that I never had enough in my account to make that purchase, or being told that the transaction never went though. But Ive followed up with asking well if the transaction was never made, where is my {$440.00}? But Ive gotten no clear answer. Ive went through my statements numerous times. Ive calculated everything and it shows everything Im saying to be correct and Ive told them this many times and they just refuse to take any accountability for their actions. All I want is my hard earned money. Its not okay to be shamed by my own bank and I will NOT stop fighting until I get whats mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Because of Covid 19 natural disaster, I had to go into a forbearance agreement with Colorado Housing Financial Authority ( CHFA ) in XX/XX/XXXX until XX/XX/XXXX. During this time, I talked to representatives several times about my mortgage and the forbearance agreement, and in those conversations, I brought up the fact that CHFA had reported to all 3 credit bureaus that my account was late XXXX, XXXX and XXXX in XXXX. The representative would say that they had noted this in my account and they would look into it. I have continued to look at my credit reports and the XXXX, XXXX and XXXX months continue to show as late payments. I started making monthly mortgage payments beginning XX/XX/XXXX and also signed a modification agreement with CHFA in XX/XX/XXXX. The XXXX, XXXX and XXXX in XXXX continue to show as late payments. 

Under the CARES Act, there should be no negative impact to a borrowers XXXX XXXX for payments missed during an approved forbearance period. This has affected my credit scores.
Product: Vehicle loan or lease

Deceptive Collateral Protection Insurance Practices XXXX. The website was down and being renovated during the pandemic and since has been restored and upgraded. 
XXXX. While looking at the balance sheet on the new web access the deception is on the balance sheet where there is a curious line on the statement that reads ... '' DISCOUNT ADDED ''. There is no other description with regard to these words that appear positive in nature. We had no way of knowing at that time that this was collateral protection insurance. Due to the ineptitude of the website and their failure to communicate with us fairly they successfully hid what they were doing. We didn't find out until a year later when we were doing our taxes. At that point there is no remedy to reverse these charges which are deceptive, incomprehensive, and excessive! They provided no correspondence on how they calculated such an exorbitant amount. When we contacted them for an explanation they actually threatened to repossess our vehicle even through we are not late on any payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent 2 physical letters, last letter sent XX/XX/2023 - did not receive a response by mail XX/XX/2023 -Received a response through the CFPB website, I do not agree with the outcome and it does resolve my complaint Went to XXXX  XXXX website to report unauthorized account dispute, website would not let me complete XX/XX/2023 - Called XXXX  XXXX by telephone was told by a representative that this account belongs to a third party called True Accord could not get that much information about the account history as I could was not giving much of my personal information because I was not consenting to give any of my personal information over the phone, I asked for a supervisor and she told me she would send a link of an affidavit I believe is the word she used to my email never received it, gave it 30 days no response. I just came back to the United States and I have not received anything responses since XXXX from XXXX XXXX True Accord has been harassing and threatening me. True Accord is a third party collection agency that bought this debt from XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th attempt to dispute the information in my credit file which resulted from an alleged identity theft. Again, Im sending over an identity theft report # XXXX. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to block or remove any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report XXXX XXXX XXXX XXXX Date Opened : XX/XX/2017 Balance : {$0.00}. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to XXXX or any means of automated verification.
Product: Debt collection

Back in XX/XX/2014 I was thinking about joining a gym but could n't due to health problems plus I am XXXX, XXXX and also had a XXXX and XXXX I could not go to much going on. I never got there letters now this company named XXXX put the bill in collections now there is a very negative collection on my credit report. My Dr would have vouched for me because he knows I am XXXX.
Product: Debt collection

This medical bill was part of a car accident lawsuit and my attorney paid the debt around XX/XX/XXXX. The company XXXX XXXX XXXX do not exist anymore and a collection company name Alpine Credit , Inc is trying to still collect on a debt that was paid directed to the company by my XXXX  XXXX XXXX. Alpine Credit is also charging interest on a medical bill thats reporting on my credit report. I have tried to contact the orginial creditor to get verification that the payment was received back in XX/XX/XXXX, but I keep receiving different numbers or the company no longer exist. I contact Alpine credit and told them the payment has already been paid and I was told it has not. This debt is affecting my credit rating cause Alpine Credit is reporting and adding interest increasing the amount of the alledge amount every month. Company has done nothing to resolve the matter. I have disputed said charges to the orginial company prior to them closing and selling or giving their accounts away. I had medical insurance also at the time of the accident on XX/XX/XXXX and I don't know why I'm still dealing with this item on my credit report 4 years later. This debt has been paid and needs to be removed because it was from a car accident that lead to a lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to Midland Credit Management asking for : 1-validation of the debt-that is, the actual accounting. 
2-Verification of a signed invoice 3-a copy of the Contract binding both parties, in a letter, by " certified mail '' so that there is an independent " witness to it having been delivered '' However according to 15 USC 1692e, 15 USC 1692d, and 15 USC 1692B.

not use any language or symbol on any envelop or on the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that communication relates to the collection of a debt,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had to correct my address information for my private student loans on a least three ( 3 ) occasions within the past one ( XXXX ) and one-half ( XXXX ) years. I have not received payment information for my loan since it went into repayment on or around late XX/XX/2022. For whatever reason XXXXXXXX XXXX XXXX have placed my current address to an address I have not lived at in XXXX Florida -- an address I have not lived at in over fifteen ( 15 ) years. In fact when my mother made a payment on my behalf in early XXXX XXXX disclosed that the address on-file was the Florida address XXXX Because of the address error, I have not received bills, yet XXXX has furnished informattion to the CRAs claiming payment is now late by sixty ( 60 ) days or more. XXXX may claim that they mailed payment in accordance with " all applicable laws. '' But, the reality is the act of mailing a payment to an address that is from fifteen ( 15 ) years ago does not enable me to receive timely statements. The claim that somehow I should " be able to look at my statements online, '' assumes that there are no circumstances that would prevent such. As it stands, I am experiencing a shortage of medication that regulates a XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for which both register as pain. During those periods I am unable to use a computer or phone.