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

XXXX XXXX XXXX XXXX XXXX. N.Y. XXXX XXXX Consumer Financial Protection Bureau Re : American Express Asked to close and XXXX out balance on Account ending in XXXX To Whom It may Concern On XX/XX/XXXX I XXXX XXXX called American Express, and told them that I was not the owner of the corporate account XXXX XXXX XXXX. Which held my name in one of its credit cards in the past. I had mentioned to the person that the company had closed.Individual stated the call would be recorded I also stated to the individual to give me the balance on the card which I would pay the amount off and to close the last six digits of account XXXX. The American Express Employee told me the total was XXXX which was drawn from my personal checking account at the time of closing the account XX/XX/XXXX with my permission to ( XXXX ) XXXX out the account balance. Which never occurred. 
I received a letter from American Express dated XX/XX/XXXX notifying me of the account being closed see attached. 
I received several past due notices and I called American Express on XX/XX/XXXXspoke initially to XXXX, explaining at the time of closing the account all payments were made. She stood firm in saying that the bill was outstanding and that their was nothing she could do. I asked to speak to her supervisor, Hence the conversation with Supervisor XXXX. These two individuals would not look into the matter to rectify the error made by American Express employee on a recorded line. 
No one would review the recording that was made on the day of my conversation with the person that closed the account, and on/or about XX/XX/XXXX an ACH amount of XXXX was withdrawn on my personal bank account by American Express. 
I received a letter dated XX/XX/XXXX from American Express that I had a past due on this same card of {$84.00} and total due at this time was {$150.00}. This notice shows a ( {$0.00} ) difference in amount charged by American Express Employee on XX/XX/XXXX. As the account was closed earlier there should not have been any past due amounts. Company error has created this fiasco. 
As time has gone by American Express has removed the Companies name from there billing and have assigned the account to me with out my authorization. This is surely a violation of my rights and Financial law.Please see attachments. 
Confirmation letter closing act ending in XXXX dated XX/XX/XXXX removal of corporate name as well Bank statement showing ach withdrawal by American Express on XX/XX/XXXX Letter dated XX/XX/XXXX with past due amount. With corporate name The company has authorized collectors to call my home on Sundays at XXXX in the morning continue harassment and ruining my credit has forced me to take these actions.
Product: Credit card or prepaid card

My name is XXXX XXXX and I was referred to the XXXX XXXX XXXX back in XXXX. The welcome offer was spend {$1000.00} in the first three months and receive XXXX Skymiles. Additional terms included make a qualifying XXXX purchase in the first three months and receive a {$50.00} statement credit. Lastly, the intro fee would be {$0.00} for the first year and {$95.00} each year after. I was approved for the card on XXXX XXXX XXXX. I met the spend requirements sometime in XXXX. I have called and chatted since then numerous times about not receiving the bonus after 6-8 weeks. I even opened a previous case here at CFPB ( XXXX ) about the same issue and was written by XXXX  corporate with an apology that recognized the issue and said they estimated a resolution on or before XXXX XXXX XXXX. I have waited and waited and waited for these bonus miles. In the mean time of waiting I have missed out on booking a vacation with Skymiles to Hawaii with my husband. I have missed out on booking a Skymiles ticket to go back home for my grandmother 's XXXX. I have been given excuse after excuse and promise after promise. At this point XXXX has breeched a contract and has violated its own terms. I can not and will not recommend XXXX to anyone anymore. It is absolutely atrocious the headache I have had to endure to get what should have been an automatic thing. I have waited now approx 4 months since meeting the spend requirement with no miles, no real explanation without forcing the issue, and no offers of other compensation. Instead each time I get the same tired excuse of, " We have escalated this to our marketing team and they are attempting to resolve this. ''
Product: Mortgage

Wells Fargo and it partnership with XXXX XXXX XXXX  XXXX and XXXX XXXX. Is doing I'd fraud on my ownership. Is got me at risk of going too jail and loseing my companies, Mr XXXX XXXX XXXX, old owner in operation agreement on the article of organization, too the said names in this text all names and addresses is this text was own by XXXX XXXX XXXX deceased in 1999, my name got put on tittle too the company operation agreement, by Mr XXXX to his next of kin for his ownership, ok ... why haven't the beneficiary trust reach out too me or the company agent, or the attorney in fact, under Mr XXXX XXXX testement is XXXX XXXX XXXX XXXX  ga XXXX, XXXX XXXX XXXX XXXX  ga,,,,, XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX  ga, XXXX XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX XXXX ga, XXXX XXXX XXXX XXXX XXXX  ga, please hand over too me operation agreement and any other papers I need. Thanks. The government says. I was a employee from 1999, so where is my money as a trustee heir too the business, as a trustee heir employer and employee .both.
Product: Credit reporting, credit repair services, or other personal consumer reports

Was trying to get a free credit report from TransUnion, and when I was making an account to get the report, I got charged for a monthly subscription even though there was no indication that I was signing up for one. They did not make it apparent at all that I was purchasing a subscription, and I was unable to find a way to even cancel the subscription.
Product: Debt collection

I recently disputed a medical charge with XXXX to have it removed from my credit report as it came back verified. I requested documentation to prove this debt belongs to me but I have not received any proof.
Product: Money transfer, virtual currency, or money service

A XXXX rental property post emailed me on the inquire of a property. Unfortunately this post and person I had contact with via email and text promised property rental agreement and keys with the transaction of a security deposit that was sent through Zelle to recipient XXXX on XX/XX/2022 from my banking account. I was scammed for {$2000.00} out of my hard earned money. This person used a property address that did not belong to them as well as documents Id, and property deed from a unknown person to scam. I contacted the recipient to refund the money back and has completely ignored my request, I also contacted my XXXX bank and Zelle customer service but I am unable to get my money refunded.
Product: Credit reporting or other personal consumer reports

The creditor performed this inquiry without permission ; it is not authorized!
Product: Credit reporting or other personal consumer reports

Company keep reporting XXXX account to my credit report a refuse to remove them.. I have sent in a fraudulent affidavit, ( police report ) showing that these accounts do not belong to me XXXX XXXX XXXX XXXX. 
XXXX XXXX. XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and list of Inquiries. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

Bank of America Home loans.  Tried to refinance debt on my own several times, currently awaiting an answer from a loan modification ; however note is under my ex husband name and I am willing to assume the debt.   I was served a summons from the court  on   XXXX   XXXX   XXXX  .  for {$220000.00}. Original note dated   XXXX   XXXX    .
Product: Credit card or prepaid card

I bought a gift card for {$50.00} dollars at XXXX on my XXXX XXXX, my mom attempted to use the gift card and was unsuccessful. I contacted XXXX over the phone and they were unwilling to open a dispute and stated I would need to write them and that the disputes process would turn up a decline since the gift card showed activated. They were informed several times that they can see it still has the money on it and it 's not my fault it did n't work.
Product: Credit card

I was issued a visa card that I never applied for. I called the company that was reported on my credit. They refused to give me any information about this account. They could not provide any information on what the bill was for. I went on their website to learn it is a yearly fee for the card services of XXXX. They couldn't tell me that. The card was never activated and I let them know that I felt like this was a scam and demanded them to send me all documentation to show me this account and my signatures. I spoke to a supervisor and told him I would be reporting him if I didn't get this info and close this account. They hung up on me and reported the late payment to my credit bureau and it caused a XXXX point drop on my credit for their one late payment of XXXX. I never got the information I requested but I did get a letter stating that they canceled this card due to fraud but I'm still responsible for the fees. They are still reporting to my credit that it's an open card and now the balance has more than doubled in 1 month. This is devastating due to the fact that I am trying to get a financial license and my credit is crucial and this is fraud.
Product: Credit card or prepaid card

I originally booked an airline ticket through American Express XXXX XXXX in XX/XX/XXXX for myself and my son. I was alerted on XX/XX/XXXX that the airline had changed aircrafts and demoted our class of service. I called American Express travel to see what my options were, if I could cancel and rebook on another airline, depending on the price of new tickets. Without my permission the agent canceled my flight, which had cost {$2500.00}. I then had to rebook, and the new ticket was {$5000.00}, twice as expensive for a lower class of ticket. I had to rebook because the hotel reservation was nonrefundable. American Express has done nothing to remedy the situation, despite there being recorded transcripts of the call. I have been a cardmember since XXXX, and they refused to refund my annual fee when I tried to cancel, which was paid in XXXX. They should have covered the difference in ticket costs due to their agents mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am putting in a complaint because Transunion XXXX XXXX XXXX has reported My bankruptcy when in fact my bankruptcy court has given me written proof stating they indeed don't report to the credit bureaus.
Product: Vehicle loan or lease

I moved from XXXX to XXXX. I am trying to retitle my car in XXXX. I have called countless times, emailed may times over the last two weeks and still Audi can not get the needed information to XXXX. My tags on the car soon expire, once expired I cant get to have it inspected, but XXXX  will not inspect the care unless Audi first sends the documents.
Product: Mortgage

I have had a Home Equity Loan with Wells Fargo Bank. I have made timely payments throughout the duration of this loan. Today I learned from a third party that my Home Equity Loan with Wells Fargo Bank has been converted to a home mortgage in the sum of {$220000.00} with a different account number. A recent home appraisal shows the present value of this home as {$230000.00}. Upon further scrutiny, the statement I have received from Wells Fargo for this month, payment due XX/XX/18, indicates a different loan number with payment being payable to Wells Fargo Home Mortgage instead of Wells Fargo Bank. Last month 's statement simply indicates the usual Home Equity Loan information, so this change by Wells Fargo was made quite recently. 

I have not applied for a home mortgage from Wells Fargo! I have not received any prior notice from Wells Fargo that my Home Equity Loan was being converted to a Mortgage! This conversion to a home mortgage was done by Wells Fargo without my knowledge, without my consent, without my signature, without lawful reason! I have no knowledge as to the terms of this Mortgage imposed upon me by Wells Fargo! 

I spoke to a Wells Fargo officer this morning asking how in the world Wells Fargo could have done this. He did not answer my question.
Product: Credit reporting or other personal consumer reports

A debt collector called XXXX XXXX XXXX XXXX XXXX sent an account to the CRAs. I disputed with all XXXX as I do not owe this debt. I requested this debt be verified and they failed to properly do so then sent it to the CRAs. The debt collector has also broken the FDCPA a dozen times in XXXX emails. The amount they are reporting has fees added on not in the " original agreement ''. They're also charging illegal interest. The " original agreement '' was a fraudulent agreement and the original creditor engaged in fraud, wire fraud, breach of contract, deceptive business practices, etc. This should not be on my credit reports, however Equifax refused to do a real investigation instead allowing to companies collaborating an engaging in fraud to issue whatever statement they like and taking their word for it. Equifax gave me less room then a tweet to dispute this account.
Product: Credit card

I hired a company XXXX XXXX XXXX {$1200.00} to perform local seo on my website to move up in rank and move towards 1st page of XXXX they were to do local seo which included XXXX descriptions photo alt adding all the towns around so I show up in there search results I was under the impression I was hiring top notch company I was made to believe I was getting top notch service what I got was error in my XXXX description local seo wasnt even implemented into my seo what I got was a loss of visitors since they took over what I got was a drop in authority I oss XXXX points clearly not what I hired them to do since they started my visitors declined from XXXX a week to XXXX in 3 months I need my money back
Product: Credit reporting or other personal consumer reports

The Department of Education and XXXX have violated my privacy rights per the Family and Educational Rights per the Family and Educational Privacy Act of 1974. When I received my school money, I signed a privacy Act form that said the Educational department would not provide transaction history to ANY third-party companies. They violated my rights by providing information to the three credit bureaus : Transunion, XXXX, and XXXX. Per 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I have multiple reports on my credit that were not verified or not mine. I have disputed it with all three credit bureaus and they removed it from some beuras but not all there is a collection account for collection services that was not me for {$190.00}. Also there is a credit card that was opened while I was in Virginia and was not me with XXXX  XXXX. These need removed. I disputed them and then XXXX and XXXX said it was verified correctly but when I asked for verification method and sent to me that I have a right too by federal law in 30 days they sent nothing. They were not me and they wont remove it if this doesnt work I will be sueing them. And no I do not need you to mark fraud I will freeze my credit myself
Product: Credit reporting or other personal consumer reports

XXXX has caused me to suffer harm by invasion of consumer privacy harm to my reputation and physically and economic by listing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I didn't authorize and I don't consent to my sensitive information to be shared with out permissible purpose
Product: Credit reporting or other personal consumer reports

In accordance to the The fair credit act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 I looked at my TransUnion credit report. On XX/XX/year> and noticed some things are incomplete and not accurate, and according to the fair credit reporting act, whenever a consumer reporting agency prepares a consumer report It shall follow reasonable procedures to assure maximum possible accuracy Of the information concerning the individual, about whom the report relate according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681i 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverify information ( A ) generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer and item of the information is found to be inaccurate or incomplete or can not be verified. The consumer report agency shall ( i ) promptly delete the item of information from the file of the consumer or modify that the item of information is appropriate based on the results of the reinvestigation and ( ii ) promptly notify the furnisher of the information that the information has been modified or deleted from the file of the consumer. 
And according to 15 USC 1681s-2 they are supposed to furnish any information relating to the consumer to any consumer reporting agency, if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

On XX/XX/2023 XXXX XXXX made an attempt to make an unauthorized charge from my XXXX XXXX  account by trying to charge my now discontinued debit card ending in XXXX {$350.00} for a payment for my car loan. This is a card I used XXXXne time on XX/XX/2023 to make a payment also in the amount of XXXX. The card is not even saved on my XXXX XXXX account because I rarely use it. Unless it's an emergency. On XX/XX/2023 around XXXX I made a call to XXXX to inquire why they had tried to charge me with out my permission and if I was set up on reoccurring bill pay. I was in fact not set up for reoccurring payments or scheduled payments at anytime. The gentleman on the phone couldn't answer why they would attempt to charge me with out my permission and told me a supervisor would be calling me back. On XX/XX/XXXX I sent an email to XXXX XXXX customer service asking again for answers. I only recieved the generic response of " The email below has been added to the requested account and the account representative has been notified ''. On XX/XX/XXXX I sent another email requesting all communication be in writing. On XX/XX/2023, XX/XX/XXXX and XX/XX/2023 I had not received any reply or answers except for the same generic email as before and emails with the following quoted text from A XXXXXXXX XXXX representative. " Based on your silence and neglect, I am reviewing this account for additional action. Your attention and cooperation are needed immediately. Please be aware that your account is delinquent and is being reported to the credit bureau as such ''. I have not been silent or neglected. I have reached out. I have been ignored and neglected. I want to know why they tried to make an unauthorized charge to my debit card.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX  I booked a 5 night XXXX using Klarna pay over time. The reservation was for XXXX XXXX XXXX Klarna paid the XXXX owner the entire booking amount of {$1400.00}. 

On XX/XX/XXXX  I canceled the XXXX and the stated XXXX refund policy for this house was I would get 50 % of the booking refunded so roughly {$750.00} minus some fees. 

After waiting over two weeks for the refund, I contacted the XXXX owner and he sent me proof it has been sent back to Klarna. 

On XX/XX/XXXX  I contacted Klarna as a refund of {$790.00} showed on their side but no money has been refunded to the account I was making the payments from. I still owed half the booking to them and was going to use this refund to settle up with Klarna. 

They reviewed my complaint for over a month and yesterday they sent to their decision that because I canceled within 7 days of my arrival, I get no refund. And they took another payment today. 

XX/XX/XXXX was 54 days prior to my original checkin date. The XXXX site stated any cancellation prior would get me 50 % back. And Klarna is keeping it and continuing to charge me the balance.