23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have 2 credit cards and 1 auto loan with Capital One Bank. Due to Covid and lost of business due to economy, I did my research and found that Capital One is suppose to have a " variety of hardship programs '' for consumers that are struggling to pay credit cards/loans. I owe {$4000.00} and {$7000.00} on both credit cards and {$35000.00} on an auto loan.

On their website, it states, " We have a range of policies and programs to accommodate customer hardships. For customers who let us know they are being impacted, we are here to support and work with them. We are offering assistance to consumers and small business owners, including waiving fees or deferring payments on credit cards or auto loans. '' https : //www.capitalone.com/about/newsroom/helping-our-customers-weather-the-storm/ However, after speaking with multiple agents and Supervisors, they told me those programs do not exist. I am doing my best to pay back my balances owed but how can I catch up if I am paying almost {$300.00} and they charge me {$200.00} in interest? I asked for them to lower my interest rate and they couldn't. I asked them to freeze my interest rates until I pay everything back and they wouldn't. I asked them to lower my payment amounts and they wouldn't. I asked for any sort of hardship program and the best they can offer me is to help me setup a promise to pay date. That is not a hardship program. 

Capital One does not have any hardship programs and will continue to charge consumers an exorbitant amount of fees or you have to stop paying completely before they even offer you anything and this is not right.
Product: Credit card

I have accounts that I dont recognize on my credit reports that I didnt open and I want them removed
Product: Credit reporting, credit repair services, or other personal consumer reports

was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX  XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
2. there is some inaccurate information reporting. 
XXXX XXXX  XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX  XXXX : XXXX Delete this account. 
4. there is some inaccurate information reporting. 
XXXX XXXX XXXX  XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX  XXXX : XXXX Delete this account. 
8. there is some inaccurate information reporting. 
XXXX XXXX XXXX  XXXX : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX XXXX XXXX : XXXX Please remove it from my credit report. 
10. there is some inaccurate information reporting. 
XXXX XXXX XXXX  XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
11. there is some inaccurate information reporting. 
XXXX XXXX  XXXX XXXX  : XXXX Please correct/update this inaccurate information on my credit report. 
12. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove it from my credit report. 
13. there is some inaccurate information reporting. 
XXXX XXXX XXXX  XXXX : XXXX Please remove it from my credit report. 
14. there is some inaccurate information reporting. 
XXXX XXXX  XXXX : XXXX Please correct/update this inaccurate information on my credit report. 
15. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXX : XXXX Please remove it from my credit report. 
16. there is some inaccurate information reporting. 
XXXX XXXX XXXX XXXX XXXXXXXX : XXXX Delete this account. 
17. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, recently pulled my credit report and have found these debts to be inaccurate, fair and substantiated. As per the FDCPA, I have the right to request a validation of this debt. I request you to prove that I am indeed the party who is by contract obligated to pay off this debt. These negative listings on my credit report does not allow me to enjoy the benefits of good credit. In addition, you must also be aware that until you validate this debt, you can neither continue collection activities nor report this information on my credit report. I'm sure your legal staff will agree that non-compliance with this request is likely to put your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. 

Voluntary repossesion surrendered to XXXX bank 1. Complete payment history on this account so as to prove that the debt amount you wish to collect is correct.

2. Agreement with your client thatauthorizesyoutocollectonthisalleged debt.

3. Agreement that bears signature of the alleged debtor wherein he promises to pay the creditor.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account XXXX XXXX has violated my rights. 

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 : also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Here I attach, along with the dispute, my fraud report that I just sent to all bureaus for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Mortgage

Hello, I refinanced my property back on XX/XX/XXXX, with XXXXXXXX XXXX XXXXXXXX XXXX  informed me that they were an in-house lender and that it would not sell the mortgage. On XX/XX/XXXX, XXXX XXXX filed a Petition to Enforce promissory note with recognition of mortgage against me. On XX/XX/XXXX, I disputed the authenticity of the mortgage and amount owed. XXXX XXXX  was claiming to be the servicer of the mortgage at this time, claiming XXXX XXXX was the owner of the mortgage. 

On XX/XX/XXXX, XXXXXXXX XXXX  informed me that XXXX XXXX  would be the new servicer for the Mortgage. This was 3 months after XXXX XXXX filed the partition against me. Shortly thereafter, XXXXXXXX XXXX notified me that they were now servicing the mortgage on my property. I contacted XXXX and informed them that the mortgage was in litigation and that XXXXXXXX XXXX  had erred in the amount owed on my mortgage and that I was also disputing XXXX XXXX 's claim to ownership of said mortgage, a fraudulent assignment of mortgage from an XXXX employee signing the mortgage assignment on behalf of MERS. XXXX also placed a force placed insurance policy against my property. After I incurred substantial property damage from a Hurricane, XXXX 's insurance company refused to repair the damages of my home. After informing XXXX XXXX that the mortgage in question was in litigation and that I was going to inform the CFPB of my situation, XXXXXXXX XXXX followed up with a " Notice of Ownership Change '' on XX/XX/XXXX, and a " Notice of Servicing Transfer '' on XX/XX/XXXX informing me that they were transferring the subject mortgage to Fay Mortgage Servicing. After receiving notice from Fay Servicing in XX/XX/XXXX, I requested on their form that I was disputing the mortgage and that it was currently in litigation. On their form, I requested they supply me with the mortgage company they acquired the mortgage from. To date, they have not responded to my numerous calls, but informed me that in was in their legal department and that foreclosure process was initiated. On XX/XX/XXXX, I received a forced place insurance from Fay Mortgage from the same company that XXXX placed me with which refused to honor the damages incurred back in XXXX. My mortgage owed on the property was {$37000.00}. I have lost all documentation from water damage incurred my home. I am looking for XXXX to settle my mortgage for this amount.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been a derogatory remark on my account in credit reporting agency like experian, XXXX  and XXXX. The truth of the fact is I did borrow money from the department that reported that. I am a XXXX XXXX and I have a GI Bill to use while I was going to school in New York. According to VA they claimed they have overpaid my book stupends by {$120.00}. This is their own negligent if they have overpaid and should not be tempering with my hard earned credit. My credit is valuable to me so I make timely payments on all my debts. I have contacted the credit reporting agencies about inaccuracy of their data because they indicated I have four months missed payment but in their comment box they stating I am infected by natural disaster. Well, I am from New York so I am affected by COVID19 during those times missed payments was noted. This sound like a conspiracy to destroy my credit. {$120.00} can not destroy someone who have over {$300000.00} debt but make my payments on time. Why would you report 4 months missed payment on the account which was just reported on XX/XX/XXXX to your agency. If VA would not find competent people to work for them, they would call me to notify me instead or mailing they claimed they did but I never received any mails from them. Post office was shut down and mails was taking longer to reach us during pandemic and up till this time it is still slow. This is an incompetent debt collector because every debt collector will call.the consumer. I will attach the mail I received on XX/XX/XXXX dated XX/XX/XXXX about them reporting above amount to credit reporting agency. My issue is why would they note 4 months missed payments but I am affected with natural disaster right. Stop tempering with consumers credit score because it is making living hard. One could loose their job because those little mistakes you do.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX  for incorrectly reporting late payments on my credit report. These late payments are inaccurate and unfairly damaging my credit score. 
I previously disputed these late payments with TransUnion, and the response states " Dispute resolved by grantor, '' but the negative marks remain. 
Under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX  is required to report only accurate information. The late payments they reported are : The account is now closed and fully paid, meaning late payments should not be impacting my score anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX, I formally filed an adversarial proceeding to discharge my student loans. This proceeding is entirely pro per ; there is no outside help at all. At the time of the filing of this proceeding -- and since XXXX, the student loans have been on deferment/forbearance ; they have not been late at all. 

Upon filing, all of a sudden, I get a " late '' notation for the month of XXXX XXXX. This is impossible since at the time of the filing, the loans were in forbearance. I wrote to Experian explaining this situation which they subsequently corrected. As of today, XXXX XXXX, XXXX, they have placed the " late '' notation back on the account -- - and there is no reason for them to do so. 

So, this matter, it seems, would involved American Education Services and Experian alike. American Education Services for wrongly placing a late notation ( they did this for XXXX XXXX as well ) ; and Experian for their obdurate refusal to look in to the matter. 

In my amended adversarial complaint with the court against American Education Services, I have noted this fact as well, namely, that they have wrongly reported me late to the credit bureaus, which is, ironically, further reason for discharge of the student loan.
Product: Credit card or prepaid card

Paid the balance of my account and asked for an Updated Balance Letter to be sent to me and was informed that they could fax it to me. Have reached out to them for 2 weeks now and havent received the letter. Have been told various stories, to include that it takes 1 to 2 business days, and 5 to 7 business days yet no resolution. Customer service keep saying they have emailed whoever and yet no resolution.
Product: Credit reporting or other personal consumer reports

I recently noticed that my credit report contains incorrect personal information, which is leading to the appearance of unknown and inaccurate accounts on my record. These accounts are not associated with me and should not be on my credit report. This situation is causing unnecessary harm to my credit score and financial reputation.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX for failing to provide the legally required debt validation information in response to my request, in violation of the Fair Debt Collection Practices Act ( FDCPA ). On XXXX XXXX, I sent I am writing to file a formal complaint against XXXX XXXX for failing to provide the legally required debt validation information in response to my request, in violation of the Fair Debt Collection Practices Act ( FDCPA ). On XXXX XXXX, I sent XXXX XXXX a written request for validation of a debt they claim I owe. The letter was sent via certified mail with a return receipt requested, and it was delivered on XXXX XXXX. Despite allowing ample time for a response, XXXX XXXX has failed to provide any of the requested validation, which includes : 1. Proof that I owe the debt and that the amount is accurate. 2. The name and contact information of the original creditor. 3. Documentation showing their legal authority to collect the debt. Additionally, despite failing to validate the debt, XXXX XXXX has [ describe any actions, such as continuing collection efforts, threatening legal action, or reporting the debt to credit bureaus, if applicable ]. These actions violate my rights under Section 809 ( b ) of the FDCPA and have caused me unnecessary stress and harm. a written request for validation of a debt they claim I owe. The letter was sent via certified mail with a return receipt requested, and it was delivered on XXXX XXXX. Despite allowing ample time for a response, XXXX XXXX has failed to provide any of the requested validation, which includes : 1. Proof that I owe the debt and that the amount is accurate. 2. The name and contact information of the original creditor. 3. Documentation showing their legal authority to collect the debt. Additionally, despite failing to validate the debt, XXXX XXXX has [ describe any actions, such as continuing collection efforts, threatening legal action, or reporting the debt to credit bureaus, if applicable ]. These actions violate my rights under Section 809 ( b ) of the FDCPA and have caused me unnecessary stress and harm.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 i was charged {$240.00} for a Refund Reverse from XXXX for a product i already was redunded for. I spoke with XXXX they said they did not dispute the refund. They granted me my refund. But Cash App claims that they disputed it and charged me an additional {$240.00} to my account. Leaving me at XXXX i need help. Ive reached out to Cash App they tell me reach out to XXXX. XXXX said they didnt take my money. They tell me reach out to Cash App. Its just frustrating and i have a monthly budget. I couldnt pay some bills because of this. And i still have no help
Product: Credit card or prepaid card

During purchase of flight tickets on XXXX, there was a promotion to get a credit card during the purchase. I applied and they said it would take XXXX hrs to approve. I could not get the promotion and had to book the flights on another card.
Product: Debt collection

On XX/XX/year> and XX/XX/year> I requested proof of wet signature bonding me to this contract per FCRA 609 ( 1 ) ( 2 ) via mail due to a data breach with XXXX or be removed from my credit profile immediately. They stated debt was accurate and was updated. I have not received anything or have any knowledge of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

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 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.
Product: Credit reporting or other personal consumer reports

The three business bureau did not investigate anything. I also showed them proof that it was not me and they still didnt remove The inquiries after I told them it was not me. I asked them nicely to investigate. I wrote them letters and they did nothing Under the stipulations of 15 US Code 1681 ( 6 ) ( B ) ( iii ), it is mandated that consumer reporting agencies ( namely XXXX, XXXX, and XXXX ) are required to furnish a written notification to a consumer ( in this case, myself ), upon request, detailing the methodology employed to verify the accuracy and completeness of the information on record. 
This includes providing the name and address of any information provider contacted during the verification process, along with their contact number. Over 30 days ago, I solicited documentation to substantiate this account, yet I have received no such documentation. Without legitimate proof backing this account, it has no basis to be included in my credit report
Product: Credit reporting or other personal consumer reports

LexisNexis reported accidents that belonged to my ex husband as mine
Product: Vehicle loan or lease

In Regards to case complaint # XXXX and attachments response from XXXX XXXX via cfpb, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX stated that, I XXXX XXXX , was given all proper documentation from XXXX XXXX legal counsel XXXX XXXX XXXX XXXX XXXX XXXX towards this alleged debt. XXXX XXXX stated, '' For your reference, Ive attached a copy of the XX/XX/XXXX letter we sent you attaching your Retail Installment Contract, Declaration Acknowledging Electronic Signature Process, and payment history, as well as the notices we sent you during and after your vehicle was repossessed and sold at auction. I am requesting specific proof about the mailing of notices before and after sale. I have been REQUESTING THESE DOCUMENTS from day one, I have never received anything by mail during the appointed time that your company and attorney claimed you sent to the address : XXXX XXXX XXXX, XXXX, CT XXXX. XXXX XXXX stated that, on or about XX/XX/XXXX, A NOTICE OF REPOSSESSION/NOTICE OF RIGHT OF REDEMPTION and so on WAS SENT TO ME VIA USPS CERTIFIED MAIL WITH TRACKING NUMBER XXXX. If you take a look at that tracking info it is unrelated to this case or issue. I will attach. According repo Laws, XXXX XXXX Violated the FDCPA. In addition, XXXX XXXX claim that Credit Acceptance Corporation is not a " debt collector '' under the FAIR DEBT COLLECTION PRACTICES ACT, WHICH THAT IS FALSE. AS PURSUANT TO 15 USC 1692a ( 6 ) The term debt collector means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Also, lets set the record straight my signature and initials is not any where on that alleged " contract '', I have been requesting an original contract with my wet signature. Like I said when I request information from your Counsel they state they only have copies. They cant show me anything original, how is that valid? You stated that your counsel send me documentation or correspondence through mail where is your proof of that? That's all hearsay. I will be taking this case to federal court with proof all violations of my federal consumer rights.