23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

We booked a XXXX flight through Amex XX/XX/XXXX. 
We decided to cancel the XXXX flight on XX/XX/XXXX, and we were told we received a refund. 
We purchased a XXXX XXXX flight instead through Amex on XX/XX/XXXX. 

On XX/XX/XXXX, I received XXXX separate emails from Amex indicating that both our XXXX XXXX flights and our XXXX flights were still active. Although we thought we had previously canceled the XXXX flight, the email indicated the XXXX flight was still active. 

I immediately called the Amex travel agency and the travel agent told me that indeed, both flights were still active, the XXXX flights had not been cancelled. She told me I needed to cancel either the XXXX or the XXXX, and that I would get credit if I cancelled the XXXX  flights. So I told her to go ahead and cancel the XXXX flights. 

I then went back into the system, and was shocked to see that both flights were gone! We no longer had XXXX or XXXX flights booked for our XX/XX/XXXX travel! 

I called the Amex travel agency back to alert them of the situation. They confirmed that we no longer had any flights. They were not sure what had happened. The agent told me that even though she had cancelled them only XXXX minutes prior, there was no way for her to get the flights back and that I needed to rebook the flights, which were now a total of {$13000.00} instead of the original {$6600.00}. I was told I needed to authorize purchase of them immediately before the price went even higher, and then could request a refund for the difference. 

When I tried to collect the refund for the difference, I was put into endless circles. The Amex agent told me they could not give me a refund, because the tickets were purchased with XXXX. I filed a formal complaint, as was issued ticket XXXX XXXX. 

On XX/XX/XXXX, I spoke with XXXX on the compliance regulatory team, and XXXX was unable to help me obtain the refund of the ticket price difference. I spoke with XXXX and XXXX on XX/XX/XXXX, and they were unable to refund the ticket price difference. I finally was put into communication with a supervisor named XXXX, and waited for his return call for XXXX weeks. I spoke with XXXX on XX/XX/XXXX, and he also told me he could not issue a refund for the price difference. 

I have since been trying to escalate the matter with Amex authorities with no success. 

Amex travel acknowledges that they provided false information contained in documented emails indicating that I had XXXX active flights, and that the Amex agent provided me false information verbally over the phone, telling me that I NEEDED to cancel XXXX of the airlines tickets. This either represents XXXX ) gross negligence and incompetent systems & training or XXXX ) fraudulent behavior by Amex with respect to getting higher kickbacks from the airline company for more expensive tickets.
Product: Credit reporting, credit repair services, or other personal consumer reports

These companies unlawfully reported accounts ( XXXX XXXX, NATIONWIDE RECOVERY SYSTEMS XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX ) on my consumers reports for an alleged debt in which they have not produced an agreement and/or contract binding me to such allegations of these debts with them. Not only have they placed the accounts on my reports but, they've also reported negative transaction history as if I actually have a contract with them. This is fraud as, I do not hold an account under any contract with these companies. They have violated my rights protected by law under the Fair Credit Reporting Act ; 15 US Code 1681a, 15 US Code 1692, 28 US Code 1746. I am aware of my rights under 15 US Code 1681N and 15 US Code 1692k. I am demanding the abatement of these accounts and its entirety for all three consumer reporting agencies.
Product: Credit card or prepaid card

Dear FIRST PROGRESS Bank ; I was reviewing my credit report a couple of days ago, and I was shocked that there is a negative item thats fraudulent reporting on my credit report without my consent from your company, which was allegedly opened in XX/XX/2018 without my consent, and there is a current value of around {$160.00}. Obviously, I never applied for this account, nor did I authorize anyone to apply on my behalf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Clarity Service pulled my credit on three different occasion with out my consent : XX/XX/XXXX and twice on XX/XX/XXXX. In effort to investigate the inquires, I sent a letter on XX/XX/XXXX listed bellow : RE : Unauthorized Credit Inquiry Dear Customer Relations : While checking my personal credit report : XXXX, XXXX, and XXXX, I notice an unauthorized inquiry made by your organization on XX/XX/XXXX. <P/>Since I have not, to the best of my knowledge, authorized anyone employed by your organization to make an inquiry, you are not legally entitled to make the inquiry. Therefore, I request that you contact all the concerned credit bureaus and remove the unauthorized hard inquiry within 7 days, under the Fair Credit Reporting Act, Section 1681b ( c ) :  Transactions Not Initiated by Consumer. I also request that you remove my personal information from your records. Please send me a written confirmation to the address listed above that you have complied with my requests. <P/>If you believe that you posses sufficient documentation that supports your authorization to make the inquiry, please send me a copy to my current address so that I may verify its validity. <P/><P/><P/>On XX/XX/XXXX, the company responded and stated they needed " additional information '' in order to investigate my claim. I sent another letter XX/XX/XXXX and it is also listed bellow : RE : Response to Consumer Request Dear Customer Relations : I received a letter from your company in response to my Unauthorized Credit Inquiry dispute ( see attachments ) stating that additional information is needed to investigate my claim. Your company advised I mail my social security number, address, phone number, and other pertinent and personal information with a view to fully investigate my dispute. However, if your company had access to my credit report, it can be determined that my social security number, address, phone number, and other pertinent and personal is within your company records. <P/>This is rather questionable and a postponement approach to evade your company from lawfully investigating my disagreement with the unauthorized inquiries. I included below three different instances ( twice on one day ) your company Clarity Service Inc illegally and without my consensus retrieved my credit report from XXXX, XXXX, and XXXX : The Fair Credit Report Act upholds fair, accurate, and confidential credit practices as well as gives consumers the right to legally dispute illegitimate credit reporting and inquires. I do not know the services offered at you company to grant you access to my personal credit file. Since your company is giving me a hard time with my request, I have decided to escalate my dispute with the Consumer Financial Protection Bureau.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX Subject : Request for Documents and Clarification on Debt Collection Practices Dear CACi I am writing to express my concerns regarding the recent debt collection communications I have received from your agency. I believe there XXXX be elements of extortion in the process, along with federal and state law violations. I am seeking clarification on the matter. Upon doing a forensic audit on account XXXX that is reporting to my credit file I have determined I have no record of business with CACi. According to my credit file the original creditor for this account is Simple Fast Loans. I have never given consent to CACi to satisfy any debt on my behalf. CACi satisfied the debt obligation with Simple Fast Loans and is now trying to extort me for an extension of credit which is a violation of XXXX XXXX XXXX. ( Heavy penalties for this crime. ) The company has sent out correspondence, and has placed this account on my credit file, ruining my character and harming my familys general mode of living. I request immediate clarification of this debt and an explanation of your collection procedures. I am prepared to take appropriate action which includes seeking criminal and civil penalties to address this matter. 

Documents I am requesting : -Official affidavit of debt. 
-Im requesting that CACi show me you are the original holder in due course of this debt. 
-All accounting records on the public and private side using generally accepted accounting principles ( XXXX ) that prove I owe this debt from the time the account was open until now XX/XX/24. XXXX XXXX XXXX, XXXX. ( Billing statements and a contract isnt proper evidence to prove debt. ) -Master purchase agreement between CACi and Simple Fast Loans. I would like to read the terms of the agreement. ( A bill of sale is not sufficient. ) -Show that each condition was met under XXXX XXXX to report my non public personal information to non affiliated XXXX parties. ( XXXX, XXXX, XXXX. ) -documents to debt collect in the state of XXXX XXXX 

If CACi will not comply fully with my demands I will proceed forward with my desired remedy to get this account removed from my credit file which I stated above. In addition, Ill be submitting copies to the XXXX, XXXX XXXX XXXX the XXXX  ( FTC states not having proper consent is identity fraud. ) I need the address to the registered agent to CACi to send legal notices in the event CACi does not comply with my demands.
Product: Credit reporting 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, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX  XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$580.00} XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX Balance : {$18.00} XXXX XXXX XXXX XXXX Balance : {$430.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$500.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX  Balance : {$580.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$830.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$410.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$450.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

Freedom Mortgage has caused my hardship since the loan modification paperwork was mailed to me. They omitted 2 apparently important pages from which contained full payment details and the deadline for the modification. When I called to make my 1st modification payment I found that the payment was almost double what the contract I signed actually said it was. I was on the phone for over an hour with them that day about it. I was not receiving monthly statement until I called and requested them. When I did the first one to come had a payment {$300.00} less then what i was told to pay when I called. They put forced placed insurance on my home 3 months after they paid my standing policy. I sent freedom Mortgage all their own documents as proof and it still took them 30 days to correct. They said I had no insurance claim money. When i pushed back they " found '' it and now it is almost {$2000.00} short. Have have sent 4 certified return receipt QWR and requests for information. They only replied to the first letter. The second letter was replied to 3 months later after letter 3 was already sent. Letter 4 has still not been replied to. They are quick to take your money but take their time when you need them to respond to RESPA requests. 
I had sent a full complaint with all supporting documents in XX/XX/XXXX. I received confirmation that XXXX received my complaint XX/XX/XXXX. I called XX/XX/XXXX and found out that it was processed as an inquiry so i am adding the complaint here in smaller form.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : XXXX XXXX Account Number : XXXX Account Bal : {$93.00} Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence. 
Account Name : XXXX XXXX Account Number : XXXX Account Bal : {$370.00} Please remove it from my credit report. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLIANCE. 
Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 
PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : XXXX XXXX CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : STATE REGULATORY AGENCY
Product: Debt collection

Accepted XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Offer Accepted for value received {$8900.00} of the obligation due Pay to the Bearer For Special purposes such as bailment or general deposit. Account # XXXX By Accommodation : AH/ Agent Without Recourse, XXXX XXXX
Product: Mortgage

I have a home in XXXX and was XXXX in XXXX XXXX XXXX. After XXXX to XXXX I found out that a Lien has been placed on my home by a local XXXX. I had no knowledge of the bill or that I owe her anything. I never received a bill from her. When i tried to place the house on the market to sell, I found out about the Lien. I went to her office to try to get it straighten out and could n't get any information on how to pay the bill or who to contact. The XXXX said she did n't know how to contact them. She would n't take the money I was trying to pay her for the bill. I am trying to sell the house before i loose it due to being XXXX from the XXXX and not being able to afford to pay the notes but I ca n't get the Lien off to put it on the market. I got behind on my payments and XXXX XXXX XXXX sold my loan to another mortgage company that does not have a office in my area/state. I told her I was in the military and had just gotten back from XXXX and knew nothing about a bill i owed her. She had went to court and gotten a judgement against me and placed a XXXX on my house without me knowing anything about it.
Product: Mortgage

We have an escrow account setup with mortgage lender ( Wells Fargo Home Mortgage ). The escrow account is setup to pay property tax and homeowners insurance. We, the homeowners, received a delinquent property tax bill for XX/XX/XXXX taxes, the invoice date is XX/XX/XXXX in amount of {$1400.00}. Apparently the lender did not declare our property as the lienholder ( this was revealed to us by the Board of Equalization 's XXXX XXXX XXXX and therefore did NOT receive our XX/XX/XXXX property tax bill. We were told to fax the tax invoice to our lender for them to process payment. Then, a month later XX/XX/XXXX, the lender notified us that they paid the tax bill and paid an additional {$280.00} for penalties/interest or loss of discount. We were then contacted on XX/XX/XXXX by the Board of Equalization that the lender OVERPAID the {$280.00} and is required to request a refund to put the money back in our escrow account. Meanwhile, the lender sent us an Escrow Review Statement showing we have an escrow shortfall and to either pay shortfall of {$1800.00} or receive higher mortgage payment amount ( from {$1700.00} to {$1900.00} ). We contacted the lender on three separate occasions to protest their overpayment of {$280.00} and to request not only that they refund us, but to also re-review our escrow shortfall. We can not afford for our mortgage to increase over $ 170/mo and we also expressed our concern that they were not shown as the lienholder on our parcel number with the XXXX County tax department which would prevent them from receiving future tax bills and paying taxes via escrow account. Is n't it illegal to collect escrow money and not be the lienholder on property. Wells Fargo has not only caused us distress with paying our taxes but has OVERPAID with interest of {$280.00} even though the BOARD OF EQUALIZATION CLEARLY STATED THERE IS NO INTEREST ON THE INVOICE AND TO ONLY PAY THE PAST DUE AMOUNT OF {$1400.00}. ATTACHED ARE THE DOCUMENTS..
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is crazy I filed a complaint and sent them what they asked for to remove a fraud collection account which they are reporting hurting me and my credit score when the item was never reporting this is not fair I sent my Ftc report they refused to blocke this item portfolio recovery I sent them a deletion letter and they still have not made the changes or updated on my credit file they are not following their own guidelines this is ridiculous when the company sent me a deletion letter I fosesred this to them and its still reporting this is the only credit bureau reporting this the other 2 removed it
Product: Credit reporting or other personal consumer reports

I have reach out to spring oaks capital several times to found out who is the original debt collector and why after 9 years do they keep falsify the age of this debt. in the amount of {$990.00} spoke to the in 2018 on removal of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for Purpose
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX XXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a late payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

On XX/XX/2021, my full payment was taken twice electronically at Target Red card and when I called to have it refunded, I was told that I needed to conference call with my bank to receive a check in the mail. They would not electronically refund. They can debit and not credit? They clearly established my identity. Conference call? Really? This feels like a UDAAP violation. Are they doing it to collect the interest off the backs of taxpayers?
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony bank who I have ( had ) an account open with closed my account. It is linked to my TJX card. There are SEVERAL THINGS seeming off about this - my employment amount and status is secure due to the fact I work for TJX myself -i opened the account during XXXX XXXX ( early XXXX ) to buy gifts, i passed the credit approval that month -XX/XX/XXXX ( according to the report ) says my credit score was XXXX, WRONG! 
i have multiple documents proving otherwise, and give you full permission to contact ANYONE involved to fix this fraud or mistake, whatever this is. 

XXXX XXXX I applied for a car and my credit score was XXXX ... ..how did my credit score go up 109 points in 11 days, IT DID NOT. 

My current credit score ( before it took the 23 point hit from this account closing ) was XXXX. There is no possible way it is XXXX now and XXXX in XXXX Also if I opened the account a month prior ... ..how did it go up 109 points which i mentioned before. 

Another reasoning was not paying enough on my installment loans, only installment loans I have open our college loans, I am still in college and will be until XXXX. ANOTHER ERROR. 

One of the reasons list as well was no secure loan information on real estate? I do not have real estate I am XXXX. 

I have XXXX XXXX and stay ON TOP of my score, it was never XXXX, or even under 600 EVER. There source of information also is transunion WHICH I USE ON MY XXXX XXXX APP, also wrong. Another source I trust for my credit score is my XXXX CC report at the end of the month that tells me my monthly credit report. Also in the XXXX for the beginning of this month. 

I opened the account in XXXX but under investigation a month later? how can you get approved then that happens? 

ANOTHER factor, this credit score was taken in XX/XX/XXXX ... ..but my account was closed XX/XX/XXXX. 

Point blank : there is a SERIOUS mix up that needs to be fixed.