23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these accounts, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate accounts in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Earlier this year I requested a replacement card as mine was worn and coming apart. Capital One sent a replacement card, but it was identical to my current card ( account number, expiration, cvv ) and active while in the mail. The card even had a sticker that stated the card is active and you do not need to do anything. Although convenient this is very lax in security to mail an active card out. A few weeks ago I logged onto the mobile app and when I touched the button to go into the account it said my card was activated. After digging a little deeper I see that a new card was sent for the one I requested earlier this year as it is expiring. I sent an email to the CEO advising that I was not happy with their security measures as with the data breach that occurred, mailing active cards in the mail to customers and now the mobile app activating cards I have not received as the button is overlaid on the account when you login that they should review. I also called on XX/XX/2019 and spoke to XXXX to see when the new card was mailed and told it went out on XX/XX/2019. After waiting a few days and not receiving I called on XXXX and spoke with XXXX and was told the card was " processed '' on XX/XX/2019. It was unclear what " processed '' meant. After the call I received an automated email from Capital One stating my card is going to expire and a new card was sent to replace it that I would receive by XX/XX/2019. It would appear that the agents on the phone do not have a clue what is going on. On XX/XX/2019 I received a call from the Presidential/Executive Correspondence group in relation to my email and spoke with XXXX. The agent was very rude and had a horrible attitude. I was basically told that the reason the button to activate the card was overlaid on the account button was because of the display settings of my phone. Which is XXXX as I am very tech savvy and have used this app forever and never changed anything on the app or my phone. After calling the agent on her attitude she said she would respond in writing. Maybe that response will be attitude free. I did not ask them for anything ( compensation or otherwise ). I simply advised them that as a customer I am very displeased with their focus on customer account security. Also maybe they should find better representatives for the Presidential units. Given that I work for a large financial institution in compliance and have for 20 years I know what good customer service looks like and what security should look like. Capital One has exhibited neither. I also understand that the Presidential/Executive Correspondence Groups in the bank are set up to respond to inquires made to top executives and from regulators, but are made up of low level staff that have little or no authority to really do anything other than respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2022
Product: Consumer Loan

Bank XXXX XXXX sent the payoff on XXXX trucks to Blvd Bank, XXXX XXXX Loan Operations Department, on XX/XX/XXXXThe Cashier 's Check was cashed on XX/XX/XXXXBank of XXXX nor I received a lien release on my XX/XX/XXXX Chevy XXXX. When inquiry was made to XXXX XXXX Loan Operations area, they stated they are waiting for the file??? 
This truck was paid off XXXX days ago with a Cashier 's Check. There is no reason the lien release should not be sent out. I do not understand a bank operations area that can be that dysfunctional. This is totally unacceptable financial practice for a financial institution. Where is the fiscal responsibility?
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have patiently waited for XXXX, XXXX and Experian to accurately report information from five accounts, and I will gladly provide account information and records. Its been over 2 years and in accordance with the Fair Credit Reporting Act everything must be 100 % accurate on my credit report. 

On XX/XX/XXXX XXXX completed its investigation of my dispute ( confirmation number XXXX ). 
On XX/XX/XXXX I submitted a dispute and XXXX informed me that within 30 day I would receive a response on XX/XX/XXXX however after 63 days on XX/XX/XXXX XXXX completed the dispute ( confirmation number XXXX ) On XX/XX/XXXX I submitted a dispute and XXXX informed me that within 30 day I would receive a response on XX/XX/XXXX however after 62 days on XX/XX/XXXX XXXX completed the dispute ( confirmation number XXXX ) On XX/XX/XXXX I submitted a dispute and XXXX informed me that within 30 day I would receive a response on XX/XX/XXXX however after 45 days on XX/XX/XXXX XXXX completed the dispute ( confirmation number XXXX ) On XX/XX/XXXX I submitted a dispute and XXXX completed my dispute on XX/XX/XXXX ( confirmation number XXXX ) On XX/XX/XXXX Experian completed my dispute and provided creditor remarks as paid, closed, {$580.00} written off however on XX/XX/XXXX they provided inaccurate information as reported on my recent credit report from XX/XX/XXXX. 
On XX/XX/XXXX Experian completed my dispute of account XXXX which is another account that on my recent credit report from XX/XX/XXXX and is inaccurate. 
On XX/XX/XXXX Experian completed my dispute of account XXXX which is reported inaccurately on my recent XX/XX/XXXX credit report. 
XXXX account XXXX, XXXX, XXXX is reported inaccurately on my credit report. 

The Credit Bureaus stated my account was properly investigated but, how is that possible when the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. This is grounds for removal and XXXX, XXXX and Experian have violated my right under XXXX U.S.C XXXX section XXXX A that states I have the right to privacy and XXXX U.S.C. XXXX section XXXX A section XXXX states a consumer reporting agency can not furnish a account without my written instructions. 

The inaccuracies reported by the XXXX, XXXX and Experian is a violation of my rights under the Fair Credit Reporting Act and has prevented me from career opportunities.
Product: Student loan

I was on a deferment and they marked me late multiple times. There are also many instances of duplicate reporting and it has completely ruined my credit. The unfair practices has affected my purchasing power by devastating my credit. Rather than assisting me to repay the loan I was pushed in deferment, which more than doubled the principal of this loan.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding unauthorized hard inquiries that appear on my credit report managed by Experian. These inquiries were made without my explicit consent, violating my rights under the Fair Credit Reporting Act ( FCRA ), the XXXX XXXX XXXX XXXX XXXX  and other applicable laws. Despite disputing these inquiries directly with Experian, I have not received a satisfactory resolution.

These inquiries have negatively affected my credit score and, as a result, my ability to secure financial opportunities on fair terms. 

Details of the Unauthorized Hard Inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XXXX XXXX, XXXX Violations Identified : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b : These inquiries were conducted without my explicit authorization, violating the FCRA. 
Experian is required under FCRA 611 ( a ) to investigate and correct inaccurate or unverifiable information within 30 days of receiving notice.

XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 6801-6809 : The GLBA mandates that financial information can not be accessed or shared without the consumers consent. These inquiries infringe upon my financial privacy. 
XXXX XXXX XXXX XXXX ( CFPA ) 12 U.S.C. 5531 : Experian is obligated to prevent deceptive, unfair, or abusive practices. These unauthorized inquiries represent a failure to comply with this responsibility.
Product: Credit reporting, credit repair services, or other personal consumer reports

portfolio acct XXXX  XXXX was to be deleted
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Veros Credit, as I believe they have engaged in fraudulent activities that have taken advantage of me. I have submitted written requests to address this matter, but they have ignored my concerns. Furthermore, my research reveals that the VIN number in question ( XXXX ) is not registered in my name according to the XXXX Department of Motor Vehicles. I am seeking assistance to resolve this situation and hold Veros Credit accountable for their actions. 

I am confident that the car loan contract is a forgery, and I will not accept it as a legitimate agreement. I request that we examine the evidence and verify the contract 's authenticity. If it is indeed fake, I expect all parties involved to take immediate action to rectify the situation and protect my rights. 

I have also filed a police report and opened a case with the XXXX XXXX Police Department regarding this matter. I am cooperating fully with their investigation and will continue to pursue all necessary legal actions to address the fraudulent activities perpetrated by Veros Credit.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Experian will investigate this account for me to assure an accuracy. Here is the account Im asking you to verify as accurate XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

Venmo froze my account. I have no idea why they did, I have reached out to them and was told they can't tell me. My friend sent me XXXX dollars for my sons medical supplies.
Product: Credit card or prepaid card

I opened a discover secured card. They took the money out of my account next day they said my funds will be held until IRS form is signed. Would not be a big deal if they made you aware of this before they take your money. I should have been notified before they took the money because i never would have agreed to such a thing. I feel like this is bad business and needs to be changed these companies must tell us about the irs forms up front.
Product: Credit card or prepaid card

Capital One has held me responsible for a battery of Fradulent Charges that resulted as a result of a violent-domestic abuse related crime. Although the person has been arrested and is in custody for a series of activity : identity theft, credit card fraud, and debit account fraud, cash, and an XXXX XXXX. The XXXX provided access to all of my vital and financial records, Capital One Bank explained that they have closed all of my current accounts and holding me responsible for all exchanges.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed my FTC identity theft report to Transunion via Certified mail they received my document. In Pursuant to 15 USC 1681 c-2 ( a ) transition has 4 DAYS from the data of this notice to comply with my demands as set forth in the context listed in my FTC report XXXX I have called the specialist fraud department about my FTC report and they stated It takes 30 days for an investigation. They sent my completed investigation after XXXX week which isn't a full 30 day for an investigation. Please be clear that no consent or authorization is IDENTITY THEFT! Transunions willful noncompliance has resulted in identity theft which I demand to Cease & Desist! Pursuant to 15 USC 1681 a ( 2 ) Congress makes it clear that a consumer report does not contain any transactions and or experiences to be updated in accordance with my written instructions. I have called and contacted the dispute and the fraud department. This will be my final time reaching out to have these items removed off of my credit report. I am ready to litigate if my rights continue to be denied by Transunion. I have the attached documents and my FTC report that they failed to correct on my consumer report. As a consumer I have the right to a 100 % accurate consumer report under the FCRA. I have contacted and mailed letters numerous times and the fraudulent accounts have not been removed. I have contacted the Attorney General XXXX XXXX on serval occasions and Transunion has failed to remove the items
Product: Debt collection

T0 whom this maXXXX concern : The Following debt of {$650.00} by Southwest Recovery Services is not my debt. I have repeatedly contacted to inform of IDENTITY THEFT for this account. This Debt was not completed by me. My identity was wrongfully used for this account. I have contacted a lawyer regarding this debt trying to be falsely claimed. Under the FDCPA laws you are trying to collect a false debt from the actual person not responsible. My lawyers are ready to sue in in court for wrongful accusations and defamation of character. I will be seeking punitive damages for the continued negative collections on my credit which have in return caused hardships for my future.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

A few months back, I noticed a collection account in my credit files for XXXX XXXX XXXX. I contacted them about this debt and was told this was from a student loan. I explained to the company that I never had a student loan with XXXX XXXX University, as I paid cash for my courses. I asked for them to send me verification of this debt, and was told that they didn't have to send me the requested information. I stated that they have to validate the debt and just can't add a negative entry on my credit file when I have no earthly idea what the entry pertains to.
Product: Debt collection

several occassions even after my supervisor has ask Con serv to stop calling they continued and disclose i owed substantial amout of money
Product: Money transfer, virtual currency, or money service

I opened an account with UFB Direct Bank on XX/XX/XXXX. On the same day, I linked my personal bank account with XXXX XXXX XXXXXXXX and completed two transactions of {$30000.00} each. 
On XX/XX/XXXX. Within 24 hours, I accessed my UFB Direct account and canceled both transactions through the settings, as provided by the option available. I verified that both transactions were canceled, and no transactions were pending. 
It was a holiday weekend. To confirm that both transactions were canceled, I contacted UFB Direct via telephone to your customer service number on Tuesday, XX/XX/XXXX. I spoke with a customer representative who reviewed my UFB Direct account and confirmed that both transactions of {$30000.00} each were indeed canceled properly. 
However, on Wednesday, XX/XX/XXXX, two unauthorized transactions of {$30000.00} each were debited from my checking account at XXXX XXXX XXXXXXXX. On Thursday, XX/XX/XXXX, I called UFB Direct customer service and spoke with XXXX to file a claim for the unauthorized transactions. The representative, XXXX, was unable to explain how the unauthorized transactions occurred despite my cancellation of them online and via phone. She informed me that she submitted notes and opened a claim with reference number # XXXX, and that I would be contacted by a representative from UFB Direct within 24-48 hours. 
On XX/XX/XXXX, I called UFB Direct again and spoke with XXXX, who provided me with the case number # XXXX. He mentioned that he sent a note to Axos Bank, the entity in charge of processing the transactions, requesting to hold the funds and return them to XXXX  XXXX XXXX. XXXX also assured me that I would be contacted by a supervisor within 24 hours. To date, I have not received a response. 
Later that day, I spoke directly with an Axos Bank representative, who argued that the transactions were not canceled and stated that he could not take any action. I requested an immediate solution for the unauthorized transactions, including the return of the funds to XXXX XXXX XXXX and the initiation of an investigation into how the unauthorized transactions occurred. I also requested a written copy of my call records, notes, and transaction history from UFB Direct, which the representative denied, stating that they could not provide my own tracking history. 
On XX/XX/XXXX I submitted a letter to UFB Direct requesting the following : Immediate Return of Funds : Return the {$60000.00} to my XXXX XXXX XXXXXXXX account without any penalties, fees, or delays, including any accrued interest. 
Detailed Investigation : Conduct a thorough investigation into the unauthorized transactions and fraudulent activity of {$30000.00} each, despite my cancellation of the transactions online and via a phone call with a UFB Direct representative. 
Written Documentation : Provide a written copy of each call, note, and history on my UFB Direct account, including the cancellations of the transactions.

Written Communication : Provide written communication confirming the resolution of this issue. 
I also opened a claim with XXXX XXXX XXXX on XX/XX/XXXX.
Product: Student loan

I want to file this complaint against XXXX XXXX Navient as support for the lawsuit that has been filed. I too, would like to sue XXXX XXXX Navient for their subprime lending practices. Heres the backstory, I graduated from XXXX XXXX in XXXX with approximately {$85000.00} in private loans from XXXX XXXX at the time. I was experiencing hardship and having a difficult time finding suitable employment in the recession. I needed to take something so I ended up working a retail job making $ XXXX hr. XXXX continued to harass me about making payments and I eventually enrolled in a forbearance. 
Years later, in XXXX of XXXX, Im finally in a position to make payments towards my loans. To my surprise, my private student loan debt ballooned to a massive {$160000.00} with XXXX loans originated at 10 % and XXXX of my highest at an alarming 14 %! They never mentioned the interest rate reduction program to me until I called in to start making payments in XXXX. It was as if they were hiding this program and using it as a last resort. I was very upset to learn that this option was available and was not offered to me when I initially graduated, which potentially could have saved me thousands in interest. 
Moreover, what initially sparked me to file this complaint is that I just spoke with a representative to renew my rate reduction plan and she state that instead of being able to lock in a lower rate for a whole year they have now altered the terms of this program to be renewed every XXXX months, which allows them to charge higher interest rates at a much faster pace than in the past. Every time a borrower renews under this plan their interest rate usually increases a percentage point until it reaches the regular interest rate charged on the loan. I feel like I am drowning in debt that I had no idea I was getting into. I am angry that I went to college only to find myself manipulated into high interest loans that have prevented me from purchasing a home and living the XXXX dream. I myself have thought about taking legal action against them, but I know that its difficult to fight student loan lenders and win. If Navient continues to deny claims of predatory lending, Id be more than happy to submit account statements dating back to loan origination. Should you need any additional information, please feel free to contact me.
Product: Credit reporting or other personal consumer reports

Reference Date XX/XX/year> XXXX that was taken by Experian reported my credit utilization XXXX  score XXXX points. 

15 U.S. Code 1681b - Permissible purposes of consumer reports. It is unlawful to report transaction history. In accordance with the written instructions of the consumer to whom it relates. Experian have my private information without my permission XXXX XXXX XXXX XXXX Disclosure and Term and Condition say they dont share information about consumer creditworthiness to affiliated or nonaffiliated also, XXXX say they may report late payments, missed payments, to Consumer Reporting Agencies but nowhere on XXXX Term and Condition state that they report credit utilization ( balance ) so why are you reporting it Experian this is a violation as a result my XXXX score XXXX points. 

15 U.S. Code 6801 - Protection of nonpublic personal information. consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so how is this fair and equitable to the consumer Experian. 

Reasonable procedures fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 U.S. Code 1681- Congressional findings and statement of purpose. 
SEE ATTACHMENT EXPERIAN CONSUMER REPORT CREDIT USAGE EXPERIAN XXXX REPORT XXXX SCORE