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

After going through a bankruptcy in XX/XX/XXXX I chose to use capital one to help and repair my credit. Advertising showed they had good cards and auto loan programs for people trying to make a fresh start for themselves. In XX/XX/XXXX I was able to get into a new vehicle with high interest through capital one. XX/XX/XXXX I was able to trade towards a nicer vehicle with much better interest but capital one reported me late for the final payment that was due on XX/XX/XXXX. They also allowed a second loan to be issued on this vehicle before paying off the other. After numerous disputes it still shows a negative mark on my credit. 

In XX/XX/XXXX I opened an unsecured capital one MasterCard with a {$300.00} starting limit. After 5 consecutive on time payments i was automatically increased to {$500.00}. I have maintained perfect payment history and have only paid the minimum for 3 of the 13 payments I have made. 5 payments were complete payoffs also so the balance hasnt always been carried. XX/XX/XXXX I asked for my first increase, 14 months after opening the card. Perfect payment history and recently paid down to 10 % before asking for increase. I was denied and sent a letter stating my average monthly payments were not enough. 

I made several calls to the customer service center and every time was told to just reapply using the automated system. I was also told every time you ask they have a department that looks through your credit report although it states a credit pill will not be used. I asked to speak with a supervisor on two occasions and was granted. First one was unable to answer any questions and was extremely rude. After asking him to cancel my card he closed my entire account. I called back the next day and explained the situation to several different people. Every time they would say, just reapply online, or the app, or I can transfer you to the automated system. Finally the second supervisor spent all this time looking into my account, reading though my private transaction history and making excuses about every question I asked. I asked several times for someone to explain the average monthly payment percentages to me but nobody was able too. I finally asked to speak with a higher up supervisor or manager to file a complaint and she told me that she was the highest one available. I explained I didnt feel comfortable filing an ethics complaint against the person who wanted to take my complaint. She refused to transfer me to another person or to a Human Resources department and finally hung up on me.
Product: Checking or savings account

Capital one has had an issue with direct deposit I have not received my direct deposit on friday
Product: Credit reporting or other personal consumer reports

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX  XXXX XXXX XXXX  XXXX XXXX/XXXX  XXXX XXXX  XXXX XXXX XXXX/XXXX  XXXX XXXX  XX/XX/XXXX XXXX CREDIT XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

the comany is in violation of my hippa rights. i have no signed contract with the company that proves i owe the company a debt. hey have threatened to damage my credit rating with this illegal action
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Please see attached docs for ID theft info and FTC papers for my id theft and remove the affected accounts thx.

FILES ATTACHED : 1. FTC ID THEFT REPORT 2. FCRA 605B 3. AFFIDAVIT OF ACCOUNTS THAT ARE FRAUD EACH BUREAU ( XXXX, EQUIFAX & XXXX ) 4. POLICE REPORT 5. ID PROOF
Product: Debt collection

This company is employing false statements and recorded lies. While I'm on the phone with them to refute the XXXX balance as I have with XXXX. I repeatedly asked if they would send me in writing the amount that I agreed to pay as a settlement. They kept assuring me that they would. 
1 ) send me an email with the correct settlement amount. 
2 ) Show the amended amount in there portal. 
I Made a {$200.00} dollar payment in the portal while the rep was on the line and it STILL shows that I owed, more than {$900.00}. The original debt line has not changed even though they keep insisting that they would edit that incorrect amount and update it with the settlement amount, that I would pay off in XXXX  monthly installments. They sent me a copy of XXXX XXXX make believe statement, instead of the settlement offer that they PROMISED again and again. I can't believe that a company is allowed to just lie and lie just to " collect a debt '' there practices ' are lacking integrity and overall honesty. I have an excellent payment record with the credit bureaus. I pay my honest debts. I can prove all that I am saying to you, because I will call again and record the call just like they did. I my humble opinion, they should not be in business. 

I C Systems is trying to collect a debt amount that I do not owe. 
They have outright lied to me by saying they'd accept a settlement offer in the amount that I actually owe BUT REFUSE TO PUT IT IN WRITING. 
They have agreed again and again on the phone call which they say is recorded. 
Perhaps you can request the recording to verify all that I am telling you. 
This company employs dishonest, unfair and shady business practices.
Product: Credit reporting or other personal consumer reports

i just got my credit report and some accounts on my credit report are incomplete and inaccurate which is a violation of 15 USC 1681e ( b ) you also violated 15 USC 1681s-2 ( a ) & ( b ), 15 USC 1681i ( 5 ) ( A ) ( i ) & ( ii ) Any person who fails to comply and fix this matter will be held liable under 15 USC 1681n which is civil liability for willful noncompliance ACCOUNTS : XXXX XXXX XXXX # XXXX ACCOUNTS : XXXX # XXXX equifax # XXXX ACCOUNTS : XXXX XXXX XXXXXXXX # XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX, DATE : XX/XX/year>
Product: Debt collection

I received a letter from Reliant Capital Solutions in XXXX XXXX XXXX. My credit reports says the the account has been delinquent since XX/XX/XXXX, but I was NEVER notified until XXXX of XXXX. I wrote a letter requesting a debt validation letter and never received a response. It was then put on my credit without a response to my initial request.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I was declined for a loan for my son to attend school This decline was due to incorrect information being reported on my Equifax credit report. I immediately filed a dispute with Equifax stating the account was not mine. I was informed by Equifax that they contacted the collection agency, XXXX XXXX XXXX, and they stated it is mine. I then filed a second dispute stating that it appears as those the collection agency has re- aged a debt and is reporting it as new. The debt is reported as opened XX/XX/XXXX, then first delinquency in XX/XX/XXXX ( clearly not accurate ) then major delinquency in XX/XX/XXXX then reported in XX/XX/XXXX. Equifax contacted me again to say that the collection agency still reports it is mine. I was told by Equifax to contact the collection agency because Equifax does is contact the company and the company says it is mine an that's the end of the story. I contacted XXXX, albeit reluctantly because I felt like Equifax did not do their due diligence and I am afraid of repercussions from the collection company and Equifax. At XXXX I spoke with XXXX who stated that the account was opened in XXXX and charged off in XX/XX/XXXX and he said he was still within his rights to pursue this debt. He said he was happy to reach a settlement with me and I could make payments. I told him he was crazy because this debt was charged off. He said I was rude and hung up on me. I have not contacted him again. The debt is on my credit report as new and immediately delinquent which is false and is hurting my credit and my ability to help my son. This was off my credit report and before this my score with Equifax was over XXXX and now it is down to like XXXX. That should not be allowed especially because it is false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$820.00}, {$0.00}. 
This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 

I am distressed that you have included the enclosed information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit report you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

Enclosed is a list of negative items that need to be re-investigated. 

Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$820.00} -This is not my account. 

XXXX. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car accident on XX/XX/XXXX. I took a leased car on XX/XX/XXXX from the XXXX of XXXX XXXX. The loan was pre-approved from XXXX 's bank, but the GAP company didn't process the payment they had to make for the car I lost in the accident. The dealer was scared to lose the contract with the new car. They looked at my credit score at the beggining, so I think they started to check my credit score again three times with three different companies without my permission, change the contract, and try to sell me the car instead of leasing it.
Product: Credit card

On XX/XX/2023 I placed an order at Macy 's web site Order # XXXX Rope Link XXXX '' Chain Necklace ( XXXX ) in XXXX Gold {$410.00}. According to Macys item was delivered on XX/XX/2023. I was never given a tracking number neither proof of delivering. I never received the item. 
Macy 's sent this email and closed my dispute : Dear Jose L Calle , Thank you for your recent inquiry.

After careful consideration of your claim and after reviewing your order history, we regret to inform you that your request for a credit or order reshipment has not been approved.

We value you as a Macy 's customer, so if you feel your issue has not been satisfactorily addressed, please email us at XXXX. 
Respectfully, XXXX A Customer Service Representative XXXX I believe Macy 's has a bias business practice with their Macy 's AMEX credit card in other words Credit Card protects Macy store interests while penalizing the customer in this case me, their refuse to credit back {$410.00} amount for the item I never received, their only answer is the case is closed. As a credit card user should be protected against a lost of item that was never delivered to me. 
I need your help to guarantee a fair resolution to this problem that will protect my interest as a consumer. 
To protect my good credit history I have proceed to paid for the amount of the item I never received, so for me a fair resolution will be for Macys to full refund me the amount of {$410.00}. 
Based on this this bad experience I will proceed to close my Macy 's AMEX credit Card account and stop doing any business with Macy 's as I believe Macy 's didn't look in account my best interest as customer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not able to see my equifax credit report. I have Contacted them multiple times. They will not let me see my credit report or make an account with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am intrested in disputing all incorrect information from my credit report with experian.
Product: Credit reporting or other personal consumer reports

This complaint has been filed because i check my credit score again and im still with the same problem, so I request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block and delete information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : *a personal credit card account opened at XXXX XXXXXXXX XXXX # XXXX, *a Personal credit card at XXXX XXXX # XXXX, *and another personal credit card at XXXX XXXX # XXXX. 

These accounts have resulted in several fraudulent hard inquiries and fraudulent, negative, closed and collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections are the result of identity theft and fraud.
Product: Debt collection

On XX/XX/XXXX, I entered a home improvement contract with XXXX XXXX XXXX. Subsequently, I applied for a {$90000.00} home improvement loan with Solar Mosaic LLC, which partners with XXXX as the lender. After my loan was approved by XXXX, the entire amount of {$90000.00} was distributed to Mosaic with the intention of transferring the funds to XXXX XXXX XXXX within four months, as per stage funding process. 

However, despite the funds being released to XXXX by Mosaic or XXXX, no construction stages have been completed, and the project remains unfinished. I have made numerous attempts to contact XXXX XXXX XXXX, including phone calls, text messages, and emails. Unfortunately, they have been unresponsive and unable to provide any explanation for the delay or lack of progress on my construction project. 

To address this matter, I filed a complaint with the CSLB ( California XXXX XXXX XXXX ), who is currently investigating XXXX XXXX XXXX, It has come to my attention that their license expired on XX/XX/XXXX, further raising concerns about their credibility and ability to complete the project. 

Despite my efforts, I find myself in debt for a construction project that remains unfinished, and it appears that neither Mosaic nor XXXX are taking appropriate action of helping me. They continue to defend XXXX XXXX XXXX, which only exacerbates my frustration and financial burden. I would like my loan to be reconsidered, cancel or be negotiate it as this is unfair, unprofessional, and unethical. I dont know if its any type of fraud or people/Mosaic/XXXX are taking advantage of me and other folks. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

They make it impossible to get into my account every time I try to into my account they make jump though hoops I have only one XXXX that I use ever
Product: Mortgage

My loan was transfers to BSI for XXXX XXXX. I have made several calls and even submitted a registered letter requesting that my mortgage loan be review for accuracy. I also requested payment arrangements. This started in XXXX 2016. When I called I was usually transferred to XXXX XXXX - the loss mitigation officer for my mortgage. I left several messages and sent several emails. No response. When I was finally able to get XXXX XXXX on the phone, he was less than helpful, as a matter of fact he hung up the phone on me. I requested to speak with his supervisor - he told me " no '' several times. When I advised that the payment arrangement that he suggested would still make it difficult to meet my XXXX XXXX payment on time, he did not seem to have anything " helpful '' to offer. He advised me " that it was not his job ''. 
After XXXX XXXX hung up the phone on me, I called back and found out the name of the supervisor, XXXX XXXX. I was advised that she would call me back after she finished her call. I am still waiting for that call. 
I sent an email to XXXX XXXX that included the previous communications to BSI and XXXX XXXX. I also forwarded the written communication to their customer care and XXXX XXXX, Executive Vice President, Chief Servicing Officer. I am awaiting a response. 
I am at risk of loosing my home. Immediat
Product: Debt or credit management

We were misled by XXXX XXXX XXXX to sign a contract with Level One Law for debt consolidation. On XX/XX/year> we started paying {$670.00} every month to XXXX XXXX XXXX as their financial partner. We noticed on Level One Laws portal that they are not negotiating settlements for us that we are paying them to do per the contract. We have been trying to contact the Level One Law attorney that represents us, she had told us that she left the firm without further information or help. We called the law firm multiple times. They are not answering our calls, not returning our calls after leaving a message, and have been hung up on also. No way to communicate with them. We are left without the legal representation we are paying for that we need now. We tried to contact XXXX XXXX XXXX for answers to our questions, the phone number and email address is not working. No way to contact them either. Together with XXXX XXXX XXXX, they collected more than {$8700.00} from us. Its interesting that we recently received an e-mail stating that XXXX XXXX XXXX is in litigation.
Product: Student loan

I just become aware that my student loan was delinquent, I had been out of the country for months to care for a sick father. I spoke to a representative and was told that I was on a deferment. Well after just getting hired for a new job, and a credit a certain credit score is required. I was told that my credit does not meet the requirements. I have never been late on my student loans. I was told I was on a deferment. I never received any documentation reporting that the student loans were out of deferment
Product: Credit reporting or other personal consumer reports

Notice to all, I, am that I am, the consumer in fact natural person, original creditor, lender, executor, administrator, holder in due coarse for any and all derivatives thereof the surname/given name XXXX XXXX and XXXX have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will XX/XX/1983 XXXX, XXXX XXXX and autograph as the agent, attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, now present : Fact, The Truth In Lending Act is intended to secure and inform the use of credit results from an awareness of the cost thereof by consumers. It is the purpose of The Truth In Lending Act to assure meaningful disclosure of credit terms so that I, the consumer will be able to compare more readily the various credit terms available to me and avoid the uninformed use of credit, and to protect me as the consumer against inaccurate and unfair credit billing and credit card practices. My right to privacy and my privacy has been breached so be it, and ; Fact, I am sure the removal of my information from your website, company records, or any and all derivatives therefore, of, and/or with any affiliates will ensure my privacy wont be violated again due to my lack consent and this herein unrebutted Affidavit of Truth being serviced to you today and therefore, standing as truth in commerce, so be it, and ; Fact, please show good faith in this matter by expediting the securing of the alleged information listed on your site in order to avoid me receiving further injury, damages, mental anguish and losses due to me being a victim of identity theft, so be it, and ; The Fair Dept Collection Practices Act is intended to protect consumers against abusive, and deceptive debt collection practices and I have been abused and deceived so be it ; fact, affiant is aware and has proof in the attachment labeled as Exhibit A COLLECTION AGENCY is in violation of 15 usc 1692b ( 5 ) Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

This complaint arises from XXXX XXXX breach of contract, unjust enrichment, and violation of the Uniform Commercial Code ( U.C.C. ) in relation to a negotiable instrument, specifically a coupon note, which I issued but subsequently refused to honor. 

I entered into a financial agreement with [ XXXX XXXX XXXX XXXX ]. 
As part of this agreement, XXXX XXXX issued to me a Bond Statement and a coupon note. These are recognized as negotiable instruments under U.C.C. Article 3.

Blacks Law Dictionary 6th edition defines : Coupon notes- Promissory notes with coupons attached, the coupons being notes for interest written at the bottom of the principal note.

Coupons- They are written contracts for the payment of a definite sum of money. They are deemed negotiable and distinct promises. This is supported by Thompson V.

Perrine, 106 U.S. 589, 1 S.Ct. 564, 27 L.Ed. 298.

Relying on this established interpretation and precedent, I sought to enforce this coupon note through endorsement and transfer in good faith, as stipulated in U.C.C.

3-301.

If such a promise to pay is rendered invalid, it casts doubt on the legitimacy of the entire debt. As established in U.C.C., the debt is either considered satisfied or entirely nullified. 
XXXX XXXX refusal to honor this note, despite my actions in alignment with the U.C.C., amounts to a full discharge of the debt as per U.C.C. 3-603. 
It falls upon XXXX XXXX to demonstrate that the issued coupon note does not fulfill the criteria established in the U.C.C.

By not acknowledging my rightful claim, I unjustly benefits from the security of the landed estate, which has been trustfully placed into the XXXX XXXX XXXX XXXX. 

UCC-1 Filed by The Federal Reserve even says that all bills are prepaid