23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX, at XXXX XXXX  XXXX  I reserved a room through the Capital One XXXX XXXX  at the XXXX XXXX XXXX. Upon receiving my confirmation email I felt confident in my booking. 

At approximately XXXX XXXX  XXXX, I went to check in to the hotel. The desk attendant informed me that the hotel had been oversold and attributed it to XXXX XXXX  software not accurately checking occupancy. I immediately called Capital One customer service to see if they could intercede. 

I spoke to a customer service agent who confirmed that the hotel was overbooked. I asked them to find me another room, and they indicated that they were unable to do so. They initially blamed a problem with their IT system and physical location ( in the XXXX XXXX XXXX ) ; they said that because it was already XX/XX/XXXX in the XXXX XXXX XXXX they were unable to make bookings on XX/XX/XXXX. If true this would seem to render bookings XXXX  of the XXXX  at least partially unbookable every day. 

I explained to the agent that due to their failure I, my wife, and our XXXX small children were essentially stranded in XXXX. A cursory review of multiple booking platforms showed that nearly all rooms in XXXX were booked for the evening due to an event and a weather event in XXXX. The cheapest available hotel room was at the XXXX XXXX for over {$800.00}. I asked repeatedly to escalate and was told my case could not be escalated further. 

Capital one gave me a {$150.00} travel voucher as compensation. This was utterly insufficient to cover the cost of replacement lodging if we could find it. My wife called and spoke with a different customer service agent who also refused to help us with booking. They offered my wife an additional {$100.00} travel credit. 

Ultimately I was able to book an XXXX at XXXX XXXX  XXXX  thanks to the heroic efforts of a host who bypassed the automatic booking deadline in the XXXX system. That booking cost me {$480.00} ; the {$250.00} travel credits were not applied to this booking and were wholly insufficient to cover the cost I incurred thanks to XXXX XXXX  negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disputing the following XXXX account for inaccurately reporting on my credit report for the past several years on Experian. Proof was sent as an additional reference from XXXX to Experian. Late payments have been posted to both accounts ( Experian, XXXX ) inaccurately. On Experian it says that I was 30 days late on XX/XX/XXXX, but on XXXX it says I was 60 days late on XX/XX/XXXX. 

In addition, there are several inaccuracies of late payments. Per Section 15 U.S.C. 1681i. I requested Experian to delete the following account for inaccuracy on my credit report. This letter was sent on on XX/XX/XXXX. I received response on XX/XX/XXXX saying that the account was verified.
Product: Credit reporting or other personal consumer reports

Kindly be aware that the details on my credit report are inaccurate. The addresses are not associated with me. I urgently request the removal of this fraudulent information. As my attempts to address this with the responsible institutions have not yielded results, I am now seeking assistance from a higher authority. Your prompt attention to this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible in accordance with the Fair Credit Reporting Act and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

I have a home mortgage. It is owned by XXXX. XXXX hired Seterus Inc. to service the loan. Seterus is mismanaging my loan. We tried to adjust the escrow in order to pay off a deficiency in it sooner than Seterus wanted. Seterus took the adjustment, and then declared us ( my wife and I ) in default for {$5000.00}, and threatened to foreclose. We have never missed a payment since the loan was made in 1996. I tried to explain to them what was happening, and I refused to pay the {$5000.00}. I wrote to them that they were mistaken, and we were not in default of our loan. They then demanded payment of {$400.00} and again threatened to foreclose. We remain current on our mortgage and we are not in default. All we tried to do was to prepay a mortgage escrow shortage sooner then Seterus had said. We checked the Internet and found XXXX of complaints about similar conduct by Seterus made by others. This company needs to be reined in. They are out of control. 
XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION
Product: Credit reporting

I went to what I thought was a reputable website and they offered to give me my free annual report. I wanted to know what my credit score was so since the website was reputable I thought I was safe. It went to XXXX, it did not give me my credit score and now they have my information and I feel unsafe with my personal information in the hands of a fraudulent misleading business. What can I do to make sure my information is safe and how are they allowed to be so deceiving?
Product: Student loan

I was advised in XXXX that if I consolidated my loans, after graduating with my XXXX XXXX XXXX in XXXX, I would be able to have the balance forgiven after 10 years of payments, under an Obama plan. I believed the loan servicing company and consolidated my loans. I had been paying on the loans since XXXX. I went back to school to get a XXXX XXXX XXXX in XXXX XXXX, I graduated in XXXX XXXX XXXX. In XXXX XXXX XXXXXXXX, my husband was killed XXXX XXXX XXXXXXXX XXXX XXXX XXXX. I called about getting part of my loans forgiven because I had been paying on them for 10 years. I was told there was no such thing as student loan forgiveness, and I was lied to and I needed to consolidate my loans again to lower my payments. I consolidated my loans and about 2 years later I started hearing that loan forgiveness and cancelation was a real thing. My loans were in income-driven payment plans for XXXX years, and I assumed that I was well on the way to loan forgiveness. Fast forward to a week ago when I called Nelnet and was informed that every time, I consolidated my loans I started my repayment period towards loan forgiveness over again. I was never informed that I restarted my loan payments to forgiveness each time I consolidated. Each person I talked to told me that I had to consolidate my loans to be able to put them in an income-driven plan. I have been trying to pay off my loans but with the lies, deception, and predation by XXXX XXXX XXXX I now owe {$170000.00} and I am unable to purchase a home because of my debt. This is unfair and there is no way I can ever pay this debt off with XXXX XXXX XXXX  income, I also can never buy a house because of the amount of student debt I carry. I was informed consolidation was the only way to make my payments qualify for income-driven repayment plans and the only way to continue my payments to forgiveness. I was told to continue the number of payments, not restart the number of payments.
Product: Mortgage

I am writing to bring to your attention the challenges and frustrations I have encountered in my dealings with your mortgage company, particularly in relation to the account associated with XXXX XXXX XXXX XXXX, XXXX XXXX. 

In XXXXXXXX XXXX XXXX, my father passed away, leading to the initiation of the process to settle his estate. The gathering of the will and obtaining surrogate information understandably took a couple of months. During this time, I took the initiative to make partial mortgage payments, and in XXXX, I informed Freedom Mortgage of my intention to sell the house. 

In response to my inquiry, They advised me to pursue a deed transfer, incurring a cost of {$1000.00} and taking several weeks to process and submit. Despite my repeated communication with the representatives, emphasizing my role as the executor of the estate, the request for necessary information did not arise until XXXX. After asking and pleading for several months on how I can move along with the sale of the property. 

Regrettably, when the information was finally provided, I was informed that it was too late, resulting in the initiation of pre-foreclosure proceedings. Subsequent legal consultations revealed that a deed transfer was unnecessary for selling the house ; being the executor was sufficient. This information would have been extremely beneficial and would have omitted undue grief. 

In an effort to rectify the situation, I took out a loan under my personal name to cover the past due amount, even though I am not legally liable for these debts. Unfortunately, my attempt to settle the outstanding amount is being rejected by your Freedom Mortgage, demanding additional lawyer fees on top of the already considerable financial burden. 

I am now facing significant expenses, including {$3000.00} for lawyer fees, {$1000.00} for a deed transfer that was unnecessary, and an extra {$3000.00} for the loan, all while being stuck with a property I intended to sell since XXXX. 

I believe that had I been provided with accurate information and guidance from the outset, the house would have been sold, and these issues resolved months ago. I kindly request your immediate attention to this matter and a thorough review of the circumstances, as well as a reconsideration of the requested fees. 

I anticipate a prompt resolution to avoid further financial strain and potential legal actions. Your cooperation in rectifying this situation is highly appreciated. 

The house is currently on the market and has showings on a daily basis, I hope we don't get penalized for taking the wrong direction and losing all my parents have worked so hard for. I am highly anticipating the resolution of this burden. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

There are accounts on my credit report that does not belong to me.
Product: Debt collection

On XX/XX/XXXX I received a collection from Credit Control which brought I debt from XXXX XXXX XXXX XXXX who brought the debt from XXXX XXXX XXXX. XXXX XXXX is the originator of this fraudulent credit card which I have went to court in XX/XX/XXXX and received a dismissal on. This account is fraudulent and supposed to be closed out however it keeps on being sold. This is illegal. I have attached my report that I received from Portfolio that proves this. This is a XXXX   XXXX account that been determined as fraud. I am a victim of identity theft and this needs to be removed immediately. The original balance was stated at being XXXX however with fees is showing of {$560.00}. I did a police report in XXXX when all this started happening.
Product: Bank account or service

Re : # XXXX US BankI received a lengthy " meaningless '' response dated XX/XX/XXXX by mail from US Bank from XXXX XXXX, Customer Care Specialist, that " did not address the real issue. '' They provided nothing other than what is already known by myself and hence, the reason for my complaint. 

XXXX paragraph, XXXX line states : " The available balance reflects funds that are available in your account for your use and is used to determine if an overdraft occurred on your account. " The " issue and problem '' is and has been they did not reflect any negative balances before I withdrew funds and ONLY added excessive fees after two to three days after withdrawal therefore creating a cascading effect on my account. This exact issue occurred after I closed XXXX checking/savings account at XXXX branch XXXX XXXX XXXX and opened a new account at the XXXX XXXX branch. It is US Bank 's computing system and the lack of US Bank 's attention to detail and dates of transactions that have created a financial hardship I am still attempting to recover from and will not recover from until XX/XX/XXXX 

I also filed a complaint against the XXXX XXXX branch 's manager after her rude demeanor and her lack with the English language in addressing the very same issue I have found myself confronted with. I have since closed my account with the XXXX XXXX branch and will have no further affiliation with the US Bank XXXX. 

In hindsight - I should have been with XXXX XXXX where I have had a checking/savings account where I never had this issue even when I used overdraft protection over the past ten years with XXXX XXXX ; never.
Product: Vehicle loan or lease

Please see attached documents for further explanations. 
I am seeking arbitration due to violations on my retail installment contract. 
I would also like to rescind my contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 fraudulent inquiries on my credit report, which I reported it to XXXX XXXX and XXXX, yet they are not removing these fraudulent inquiries. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. The followings are the fraudulent inquiries : XXXX XXXX / XX/XX/XXXX, XXXX XXXX / XX/XX/XXXX, XXXX XXXXXXXX / XX/XX/XXXX and XXXX / XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a debt validation to equifax and the company reporting this debt. The company sent me a letter which I sent as proof, and Ive also attached. The company basically admitted they dont own the debt! And that there was another company with similar name who isnt licensed to collect the debt. Im requesting removal of this account. Equifax, along with this company hasnt followed up with me
Product: Credit card

My credit card contract stipulated that I would incur no interest charges if balances are paid in full by the statement due date. I mistakenly short paid my XX/XX/XXXX statement by {$120.00} and saw interest charges on my XX/XX/XXXX statement for {$33.00}. Knowing that it was my fault, I paid the interest charges and full open balance before the specified due date. My XX/XX/XXXX statement reflected additional interest charges of {$55.00}. When I called the credit card company to discuss the issue, I was given a very fragmented explanation about how the interest was calculated and that the XX/XX/XXXX statement was reflecting interest for XX/XX/XXXX purchases. In the end, I am paying {$88.00} in interest charges for short paying my XX/XX/XXXX statement by {$120.00}. The representative could provide no explanation as to why the interest charges were excessive. In addition, the representative refused to remove the charges or compromise. I understand that the interest is calculated daily and compounding occurs, but something is not right here.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I summited a complaint to Experian. Case number : XXXX According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX have 30 days to respond to my dispute. This is a violation of my rights. Therefore, I demand that the account XXXX ( XXXX  ) be removed immediately from my consumer report. As its reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavors to tell the XXXX credit bureaus that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX  Balance : {$0.00} XXXX  XXXX XXXX Balance : {$1400.00} XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX Balance : {$5500.00} XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$130.00}
Product: Credit reporting or other personal consumer reports

When I looked at my credit report today, I was shocked to see inaccurate accounts listed, and I have no clue why this happened. My report has always been accurate, but now, for some reason, things dont match up. I tried refreshing the page several times, hoping it was just a system error, but the mistakes didnt go away. Im begging for the documents I submitted to be thoroughly reviewed so I can feel at peace again.
Product: Credit reporting

I have requested the validity of a Chapter XXXX Bankruptcy on a couple occasions as the date of discharge is incorrect as well as the filing information. I have requested in both writing and via email for this to either be updated or removed. I have tried to no avail, therefore, I am reaching out to you guys in hope you can assist in getting this resolved once and for all. 

Thanks in advance for your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a big concern on how all 3 credit Bureaus aren't updating my credit report, like when my student loans of {$43000.00} and my credit card amount was up and all 3 credit Bureaus mostly based my credit score to go up only on my credit card being lower and to me, my credit score should have went up because {$43000.00} of my student loan amount was paid off and it was higher than my credit card amount. Plus I had refinance my auto loan from XXXX XXXX XXXX XX/XX/2023 and Equifax never updated that my auto loan was paid off and I had to dispute it and Equifax took there word stayed open on my credit report and I had to dispute again XX/XX/2023 to get it to say it's paid off and I show them proof that the amount of owing XXXX XXXX XXXX was false and show them the proof of {$24000.00} was paid off but Equifax still showed the false reported amount from XXXX XXXX XXXX and Equifax had shown that I had 2 auto loans open from XXXX to XX/XX/2023 and the other concern like I said above now that XXXX XXXX is paid off and credit card amount was up and by my auto loan was paid the credit Bureaus didn't up my credit score from that but only by the credit card amount being lower that's not right
Product: Student loan

AES recently responded to a Response I made on behalf of my initial complaint. AES again failed to exercise any proof that my claims are invalid. Instead, many assertions were made by them which seem to overshadow their stance on any assertion. The examples they provided are not satisfactory enough to prove that AES didn't do anything wrong, but in fact makes them even more suspicious while they quickly defend themselves without showing hardcore evidence proving their innocence. Payments will be made by the week of XX/XX/XXXX to be caught up with all payments past due and due by the end of the month. While it is absolutely a borrower 's responsibility to cooperate with paying down their Student Loan balance, I also feel that AES owes every single borrower an explanation when it comes to the online claims through Articles, and the likes that they are far from innocent. In addition, one can only conjure up what really goes on behind closed doors at this place given the recent Education Scandal. How many Celebrities have delivered bribes to AES, I wonder? Believe it or not, there are many co-conspirators in society today, and any Fortune 500 company as well as other financial companies are no stranger to that ugliness. 

AES should re-examine all positions within the company and should remove positions that have no meaning or purpose, which I would say is about 99 % of the executive staff. Let 's face it EXECS, none of you do any actual work. As far as the moral population goes, you all like to freeload. Wasting turns to lying, and then lying turns to cheating. Cheating eventually turns to breaking the law. I'd be willing to bet many of you belong in jail. XXXX has a close eye on you. 

Feel free to think about that while I do my own detective work. 

XXXX XXXX XXXX XXXX.
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 information, accounts, or items which do not belong to me. Since XXXX a stickler for research, I found that under section 605b of the FCRA, Experian and XXXX are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. XX/XX/XXXX; If Experian and XXXX feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is 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 swiftly.
Product: Credit card or prepaid card

American Express had a XXXX card promotional offer with XXXX. When you clicked on the link, it was a {$3000.00} spend in three months and you get XXXX points with a {$50.00} statement credit. American Express continues to say that they only offer XXXX points with a {$2000.00} spend. I have tried to solve this problem several times with the credit card company only to be told this offer does not exist.
Product: Credit reporting 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 accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX XXXX Balance Owed : {$280000.00} ; XXXX XXXX Balance Owed : {$23000.00} ; XXXX XXXX XXXX Balance Owed : {$5400.00}.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report this account as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : XXXX XXXX XXXX : {$0.00}