23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

On XX/XX/2020 I booked a hotel reservation and used my bank card to hold the room. Upon entering the room it was filthy, the bed sheets were torn, the front door would not close or lock properly, the inside adjacent door 's lock was broken off and laying next to the TV. I immediately notified the front desk. The hotel was uncooperative and showed no remorse. I was offered no refund ( albeit I did not dirty the room to cause the hotel any cost what so ever ). I disputed the charge with my bank, the one named in this complaint. The bank reached out to me and stated there is " no appropriate resolution procedure '' for hotel charges and they would not even investigate this for me. They said that hotels have a " no refunds '' policy and any dispute must be resolved with them. What this translates into is this bank will not protect its consumers funds or transactions. What happens if the motel overcharges or charges a customer by fraud? So my bank, this bank named in the complaint, will never investigate funds disputed by this hotel or similar merchants? This is very alarming and concerning a bank that picks and chooses which one of my transactions it will investigate or support. My funds or transactions are not protected by this bank.
Product: Credit reporting or other personal consumer reports

Hi My Name XXXX XXXX XXXX I contacted you about Fraud XXXX XXXX Account I Have Provided Police Information To XXXX XXXXXXXX Now Im Speaking Directly To You Because You Verified This Account You Said This Was Correct When I Stated Others May Have Got ta My Information Demand for Payment and Correction of Inaccurate Credit Information Dear Who may be Concerned I am writing to formally demand that you take immediate action to correct inaccurate and misleading information on my credit report, as well as compensate me for the damages and attorneys fees that have been incurred due to your failure to properly address these issues.

1. Inaccurate Information on Credit Report As I previously reported to your company on XX/XX/XXXX my credit report contains inaccurate information. Specifically, A Fraud Account Despite my efforts to resolve this issue through the proper dispute channels, the incorrect information has not been addressed, and as a result, I have suffered significant financial harm.

2. Damages and Impact As a result of this error, I have experienced [ list any negative consequences such as denial of credit, higher interest rates, emotional distress, or other tangible damages These consequences have caused significant harm to my financial well-being and my ability to secure credit at favorable terms. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to compensation for these damages.

3. Attorneys Fees Furthermore, I have incurred legal fees in the amount of {$500.00}, which were necessary to assist in resolving this matter. I hired an attorney due to your failure to resolve the issue through the usual dispute channels, and this cost was directly attributable to your non-compliance with my rights under the FCRA.

4. Demand for Payment In light of the damages I have suffered, I demand the following : {$1000.00} for the harm caused by the inaccurate information on my credit report. 
{$500.00} to cover the attorneys fees I incurred in addressing this issue. 
I request that you correct the inaccurate information on my credit report and remit payment for the damages and attorneys fees outlined above within 10 business days of the date of this letter. Failure to do so will leave me no choice but to pursue legal action to seek full compensation for my damages, including statutory and punitive damages under the Fair Credit Reporting Act ( FCRA ). 
Please consider this a formal demand to resolve this matter swiftly and avoid further legal escalation. I expect to receive written confirmation of the correction to my credit report and payment for the requested amount within the specified time frame. 
Thank you for your prompt attention to this matter. I look forward to your immediate response. 
Sincerely XXXX XXXX XXXX Account XXXX XXXXXXXX Opened XX/XX/XXXX My phone number is XXXX My Email XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XX/XX/XXXX I submitted a dispute letter to the credit bureau disputing this collection. I received a letter back from the credit bureau stating this debt was valid. So I mailed a letter XX/XX/XXXX to the debt collector asking them to validate the date, they replied and said that I had attempted to dispute this debt back in XX/XX/XXXX and it belonged to me. No proof of how this debt belonged to me, no documentation was given to support this claim. I have now sent a second notice notice to this debt collector asking them to please provide documentation that the debt belongs to me. I have not lived in this apartment complex from the dates that they are stating.
Product: Debt collection

So I have been contacted almost every day and multiple times a day about my car loan. The first time I answered I tried to get transferred to a supervisor and while on hold I was hung up on. So I immediately XXXX the number and most people said it was a scam ( as they ask for your social security number before you can talk to someone ... not to mention you can barely understand who youre talking to ) I repeatedly kept getting calls. Hadnt answered after that and I never received voicemails. I never received anything about it in the mail.

Two years down the road I applied for a mortgage. My credit was horrible and the guy trying to get me a loan told me it was my car loan. He told me I should call Nissan to get clarification on the 25 late payments ... as Im sure Ive payed every month the correct total. ( Its been on auto pay since the day I bought my car ).

They tell me A year into my loan I missed one payment. Im still not sure how thats possible as Ive set up auto pay years back .... and they can see Ive made auto pay payments months after that ... so somehow my payment for 1 month wasnt processed and now for the past two years Ive been apparently making ( auto pay ) late payments.

It has taken my credit score down further than I even thought it could go.. and now Im terrified I will never be able to fix it and get a mortgage.

Ive tried to disputed it through the company and they continued to call me and not inform me if my request was denied or accepted.

Extremely frustrated, I answered again and requested to talk to a supervisor. He told me that my request to dispute was denied because its my fault my auto pay didnt get processed properly.

I have gotten nothing in the mail notifying me ... nothing for 2 years!!!

Now they will not stop calling me and Im apparently stuck with a big bill of late fees and a horrible credit score that I feel is incorrectly reported.
Product: Debt collection

On XXXX XX/XX/XXXX, I receive the attached communication from ABC Fitness Solutions indicating that I have an Amount Due for a membership with XXXX XXXX XXXX XXXX XXXX that has been previously cancelled. As part of this communication, ABC Fitness Solutions provided the following notice : Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days from receiving this notice, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor. 

This notice is deficient, however, because I am unable to follow these steps to contest the debt. As proof of this, I am also attaching the response I sent when attempting to notify ABC Fitness Solutions that I do not in fact owe a debt and/or any other outstanding balances to XXXX XXXX XXXX XXXX XXXX XXXX XXXX my membership has been cancelled since the end of XX/XX/XXXX. As indicated by the bounce back message I have received in response to my XXXX XX/XX/XXXX email, I have been unable to contest the debt in accordance with the instructions provided by ABC Fitness Solutions. 
Between XX/XX/XXXX through the present date, I have received approximately XXXX calls and voicemails from ABC Fitness Solutions automated system in reference to this false debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been endangered. 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 CREDIT BUREAUS are required by law to remove any ITEMS or information which 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 remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX Balance : {$25000.00} XXXX XXXX Balance : {$500.00} ; XXXX XXXX XXXX Balance : {$31000.00} XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$1400.00} ; If you 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 you to verify with 100 % accuracy that each itemis 100 % true, accurate, correct, complete & VERIFIABLE ). If credit Bureaus do not provide any records & claim these 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 swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony bank has multiple accounts and some of the accounts are not mine. Also they reported that I have made little or no payments when I have records of every single payment I paid to them. They also claim that they refunded my account for late fees because they were auto debting prior to the due dates as well as charging late fees ( although I did see it reflected in my balance at all ).
Product: Mortgage

Approximately in Mid XX/XX/XXXX, I requested from my mortgage company, Movement Mortgage, XXXXXXXX XXXX XXXX XXXX XXXX  # : XXXX, a review of the PMI after completing extensive renovations on my condo I purchased in XX/XX/XXXX. The renovations were extensive and a complete gut out. At the time of original purchase, the estimate for this condo returned $ XXXX approximately in XX/XX/XXXX. We only put 10 % down knowing a full renovation was going to be done, we were ok with the PMI insurance. Fast forward to now XXXX XXXX, XXXX, a Broker Price Opinion ( BPO ) was requested by Movement to reasses the condo ( ocean front/water front in the prestigious community of XXXX XXXX XXXX ). The estimator was egreciously wrong in the estimate and used properties to compare that did not meet the standard. The new BPO came in at $ XXXX, essentially indicating that over XXXX in renovations only garnered an increase of {$4000.00} and on top of the raising costs of home evaluations in 6 months. I emailed Movement Mortgage ( in response to their email - indicating that they could not remove the PMI because the evaluation came in at 84.8 % LTV and an 80 % LTV is needed to remove PMI ). Comps performed by my realtor came in as I can sell the property today at {$530000.00}. I believe the estimator/evaluator is wrong and Movement mortgage is continuing to perpetuate the PMI with these estimates that are not accurately fraudently collecting PMI when its not necessary. I've asked for another estimator to review and I appealed the original BPO. I have not heard back from Movement Mortgage since XX/XX/XXXX.
Product: Mortgage

I believe that my mortgage company owes me {$870.00}. 

I requested a payoff statement in early XX/XX/2020. I received the payoff statement in mid-XX/XX/2020stating that the mortgage payoff would be {$870.00} if paid by XX/XX/2020. The payoff statement declared that there were only two acceptable payment methods. A direct wire transfer or a cashiers check. I chose a cashiers check which, as instructed, I mailed to : Mr. Cooper, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, TX. 
It was sent certified mail on XX/XX/2020 and was received by the above address on XX/XX/2020 according to the USPS. 
When I reviewed my checking account, I noticed that my monthly mortgage payment, of {$1000.00} had been deducted via autopay on XX/XX/2020. 
On XX/XX/2020, I received two checks from Mr. Cooper. One for my remaining escrow account balance of {$710.00}. The second check for the difference of my autopay mortgage payment and the certified check equaling {$170.00}. 
The payoff amount of {$870.00} was deducted from the automatic checking account funds transfer of {$1000.00} not from the cashiers check of {$870.00} that to my understanding was the only acceptable method of payment for a payoff as per their payoff statement, So I believe that the {$870.00} is unaccounted for and is owed to me.
Product: Credit card

Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against Self ( formerly known as Self Lender ) and XXXX XXXX XXXX regarding an unauthorized credit account opened in my name, causing adverse effects on my credit report. Despite numerous attempts to address this issue directly with the bank, they have failed to rectify the situation, resulting in significant financial and emotional distress. 

In XXXX, I became aware of an active credit account with Self/XXXX XXXX XXXX on my credit report, which was initiated without my knowledge or consent. Upon discovering this account, I promptly initiated contact with the bank to report the unauthorized nature of this account. 

In response to this concerning discovery, I took immediate action by following the necessary procedures for cases of identity theft. I filed a report with the Federal Trade Commission ( FTC ) and with local law enforcement, providing comprehensive documentation to support my claim that the credit account in question was opened fraudulently without my authorization. 

Despite engaging in multiple conversations with representatives from SelfXXXXXXXX XXXX XXXX and furnishing them with all the relevant evidence, including the FTC identity theft paperwork and the local police report, the bank has failed to take the appropriate steps to remove the unauthorized account from my credit report. This neglect on their part has resulted in an unjust and detrimental impact on my credit score, affecting my financial standing and causing undue hardship. 

As a consumer, I believe I am entitled to accurate and fair reporting of my credit information in accordance with the Fair Credit Reporting Act ( FCRA ). SelfXXXX XXXXXXXX XXXX failure to address and rectify this wrongful reporting is a direct violation of the FCRA, and I am seeking your intervention to ensure the bank fulfills its responsibility to promptly remove the unauthorized credit account from my credit report. 

I respectfully request the Consumer Financial Protection Bureau 's intervention to thoroughly investigate this matter and ensure that SelfXXXXXXXX XXXX XXXX fulfills its obligation to promptly rectify the erroneous reporting to the credit bureaus. Additionally, I urge the Bureau to take necessary measures to prevent such negligent reporting practices in the future. 

Enclosed, you will find copies of all the relevant correspondence, documentation, and evidence submitted to SelfXXXX XXXX XXXX pertaining to this issue for your review and investigation. 

I am grateful for your attention to this crucial matter and eagerly await a swift resolution to correct this issue. Please feel free to contact me if further information or clarification is needed to expedite this process. 

Thank you for your assistance in addressing this pressing issue.
Product: Student loan

I enrolled in XXXX XXXX XXXX School XXXX XXXX on XX/XX/XXXX for the sole reason that it not only promised to provide me with all the classes and skills for me to be successful in my career, but it promised me a XXXX For Life. '' Where in, I could continue to take classes/Labs throughout the life of my career that would advance me forward, at no additional cost. My career in XXXX XXXX is such that in order to be successful and make a living at it, continuation classes for the lifespan of your career are necessary. I took out a private student loan thru XXXX XXXX, now Navient, back in XX/XX/XXXX in the amount of {$14000.00}. In XX/XX/XXXX, while trying to schedule XXXX of my continuation classes and having the phone go unanswered, I went to there location and realized that they were now closed for business. I have faithfully paid the student loan payment each month but still owe a balance of {$5300.00}. It has become increasingly difficult for me to pay the monthly payment and also advance my career as I have been unable to afford paying for additional classes and training. Something I thought would be taken care of by XXXX and enrolling in their " XXXX. '' As a result, I am asking Navient ( formally XXXX XXXX XXXX to " Forgive '' the rest of the balance due on the loan as I believe I have paid for something that I never received ( in other words, a Breach in contract ) -- Free Lifetime Training in my Field. My XXXX # is XXXX. 
I have attached documentation substantiating what I have stated in this complaint. 

Thank you for your consideration on this matter, XXXX XXXX XXXX
Product: Credit card or prepaid card

First Off, I have a secured card limit of {$350.00} The invoice read due, {$370.00} At the beginning of XX/XX/XXXX. I maid a ACH payment of {$360.00} to the card The next two business days, the payment was reflected on my account and I had a XXXX balance. I had available credit of {$330.00} and change. 
Two days later, my bank had sent them a check draft for {$370.00}.
After they received this additional payment, they put a hold on my existing available credit pending the 10 day hold release from my over payment. 
When I asked them why they did this, they stated that when a customer make two payments, their account is immediately put on hold until the funds were cleared. 
When I asked for those additional funds to be placed in my secured savings deposit, they said they could not do that and that I would need to send that money to another address. 
INSANITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX Capital One : XX/XX/XXXX According to my credit report, these creditors have been reporting since XXXX, and XXXX. My reports should be clear, and accurate according to the fair credit act 15 U.S. Code 1681a, the report is only good for 7 years after the first delinquent payment is reported. The creditor does not have the right to report a transaction without the permission of the consumer, and the consumer should not be subject to their reputation harmed by incorrect credit reporting practices, I request that these companies remove their negative reporting from my credit report.
Product: Checking or savings account

I have retrieved a copy of the early warning services report. Navy federal has shared all banking account numbers, transactions, drivers license number, addresses, checking account info with a third party non affiliates, and breach the privacy agreement with XXXX  XXXX a silent investor therefore I am unable to transact on the account and had to remove direct deposit as pursuant to the Pursuant to the privacy act of 1974 among other violations of the NCUA. pursuant to Navy federal credit union which states " Companies not related by common ownership or control. They can be financial and non-financial companies.

Navy Federal does not share with nonaffiliates so they can market to you ''. I demand a speedy response.
Product: Debt collection

XXXX XXXX : Part Account Number ; XXXX Status : Closed- Claim I owe {$1500.00}. XXXX Showing ; sold to XXXX XXXX ; XXXX comments lender claims : Purchased by another lender. 

XXXX XXXX XXXX part Account Number ; XXXX claim i owe {$1600.00}. ** in comments ; completed investigation- Really? 

How do I owe two company 's for the same thing? 
somebody did not investigate.. 

Report # XXXX for XX/XX/year>
Product: Debt collection

I spoke to the company themselves and told them that it was not me. That someone else used my social and birthdate for their appointment. They said they messed up. It was removed from collections but it is still on my credit report. I have asked for it to be officially remove completely.
Product: Debt collection

XXXX  XXXX XXXX XXXX, IS NOT BONDED IN THE STATE OF TN TO COLLECT DEBTS. THIS IS A VIOLATION OF THE TN RULES OF DEBT COLLECTORS. COLELCTION AGENCIES MUST BE BONDED AND LICENSED IN TN IN ORDER TO COLLECT A DEBT. 

XXXX XXXX XXXX XXXX, LICENSE HAS BEEN EXPIRED SINCE XX/XX/XXXX ACCORDING TO THE STATE OF TN DEPT OF COMMERCE AND FINANCE. 

THEY ARE REPORTING A DEBT OWED TO ALL THREE CREDIT BUREUS IN THE AMOUNT OF XXXX, OPENED XX/XX/XXXX. 

Tennessee Fair Debt Collection Practices Act 62-20-105. License requirement. 
( a ) No person shall commence, conduct, or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior state law.
Product: Student loan

My federal student loans ( XXXX ) were recently transferred from my one servicer to another. My loans were transferred from Great Lakes ( ID XXXX ) to Nelnet ( Acct. XXXX ). On XX/XX/XXXX I received an email from Great Lakes notifying me of the transfer effective XX/XX/XXXX. On XX/XX/XXXX I received a similar email from the XXXX XXXX XXXXXXXX. On XX/XX/XXXX I attempted to set up my account on Nelnet & the website would not allow an account set up. On XX/XX/XXXX I attempted to chat & phone Nelnet but was unable to reach an agent. The messages that I received in response to my attempts to phone or chat with Nelnet indicated that I did not have an existing account. On XX/XX/XXXX I again attempted to contact Nelnet by phone & was able to reach XXXX who informed me I should be able to set up my Nelnet online account around XX/XX/XXXX. Today, XX/XX/XXXX, I set up my Nelnet account & discovered that none of my payment history with Nelnet transferred from Great Lakes, but, of course, all payment due information did transfer. I signed into my former Great Lakes account to discover the same. None of the payment history was available, but the original balances, prior to any of my payments, were visiable. I chatted with Great Lakes today, XX/XX/XXXX, & was told I would have to reach out to Nelnet for the XXXXXXXX XXXX XXXX to receive a record of my payment history. The Great Lakes agent was able to see my payment history but because it was " greyed out '' she was unable to send the record to me. I then chatted with Nelnet who could not explain why the payment history is not visible. I was also told that the Great Lakes payment history will never show on my Nelnet account but the agent agreed to email me a record of the payment history within 20 minutes. If both servicers have instant, visible access to my payment history, why don't I have the same ability? I have not yet received that email. It is not acceptable to me that a loan transfer to a different servicer results in the disappearance & unavailabiity of payment history on the online website of both servicers. I keep good records, including my payment history, but what if my servicer 's records differ from mine? Payment history is critical information that should be available at all times to all borrowers. I want to receive a copy of my payment history promptly & I want my entire payment history, including payments made to Great Lakes, to be visible on the Nelnet account. I have attached a copy of my chats today with both servicers.
Product: Debt collection

I NO NOTHING OF THIS COMPANY NEVER HAD A CONTRACT OR ANYTHING WITH THIS COMPANY I DIDNT RECIEVE DEBT VALIDATION VIA EMAIL OR USPS MAIL I NO NOTHING OF THIS COMPANY