23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

It seems to appear there is a conspiracy, where XXXX parties or more are acting together to restrict, repress, inhibit or any way deprive any rights, benefits or privileges that would ordinarily be offered to parties of affiant. This also includes racketeering. 

These agencies of reporting and the agencies offering credits by which should never be in position to deprive, only provide access to such rights. 

How are these agencies in such capacity to act as if they are providing any value, hence able to restrict access to obligation of securities in affiants name. 

Meanwhile, affiants credit report shows XXXX soft inquires from a subsidiary of XXXX. 

This means these agencies have hijacked an instrument belonging to Affinat, deprive its usage to the owner, file taxes regarding debt cancellation as well as issue certificates of indebtedness ( income ) yet affiant is left to wonder where said income has traveled to. 

The one asking questions here is affiant, yet, the agencies attempt to behave as if they have some authority to enforce laws which they themselves violate, a sort of paradoxical conflict based on these experiences and statistical reporting on matters resolved from reorienting agencies, only 2 % resolutions have satisfactory outcomes. 

Quite concerning, its a wonder how the CFPB was enacted from all of this, after all, there was the single stipulation that a single director XXXX XXXX was a constitutional violation, yet this was still allowed dispute discrepancies. 

This entire trading with the enemy act is in full force, not sure whose even on my side, its as if an attorney for defendant client relationship, where the attorney is officer for the court, not even interest much in client.

I may be XXXX, but I am less XXXX, and this matter and my seeking resolution, followed by near non-response to the concerns with inadequate due process and unknowingly, unwittingly, being XXXX pursuant to privacy laws not being adhered to, the fairness of credit is without a doubt unjust, unfair, and criminal because of the harmful damages alongside the parties abuse of authority on top of the incentive for poor credit tedering higher APR, necessitate numerous agencies offshoots like XXXX XXXX XXXX XXXX XXXX and others denial due process, disrespect, encroachment, defacing, incorporating victims into the federal zone and its jurisdiction, just a huge reckless endangerment and oppressing government.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute of Unauthorized Inquiry by Navy Federal Credit Union ( Navy FCU ) Dear Sir/Madam, I am writing to formally dispute an unauthorized inquiry on my credit report. According to my records, Navy Federal Credit Union ( Navy FCU ) has recently made an inquiry into my credit, which I believe to be inaccurate and without my consent. This inquiry is recorded on my credit report under XXXX as of XX/XX/XXXX. 

I request that the Consumer Financial Protection Bureau investigate this matter to determine if this inquiry was made with proper authorization. I have never applied for credit with Navy FCU, nor have I provided consent for them to access my credit report. 

Please find attached copies of my credit report highlighting the disputed inquiry, as well as any other relevant documentation that may assist in resolving this matter. 

I would appreciate your prompt attention to this issue and request that you inform me of the outcome of your investigation. Additionally, I request that any inaccurate or unauthorized information be removed from my credit report if found to be incorrect. 

Thank you for your time and assistance in resolving this matter. 

Sincerely, XXXX XXXX
Product: Student loan

On XXXX XXXX I began correspondence with XXXX XXXX   XXXX   from XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX to try and reconcile a defaulted student loan that was in collection with wage garnishment. The contract was for {$1100.00} to be paid over 3 months all the while wages were still being tarnished. Also, to finalize this contract I had to provide XXXX XXXX XXXX  with my log in information for the US Dept of Ed. By the end of XXXX I still had not heard from XXXX XXXX XXXX  and further action they would be taking on my behalf and my wages were still being tarnished. Finally on XX/XX/XXXX I received an email from XXXX XXXX requesting extensive personal information. It was at this point I began questioning the validity of the company because w the requested information along with my US Dept of Ed log in information this company would have adsolutely all my personal information. I was very uneasy with this so I requested a refund for the {$1100.00} since XXXX XXXX XXXX has taken no action and my wage garnishment was still continuing. I spoke with XXXX XXXX from XXXX XXXX XXXX  in XX/XX/XXXX and he denied my request for a refund. After numerous phone calls back and forth I was told by XXXX that I would be receiving a check in the mail in 5-7 business days. After the 7 business days I had still not received a check so I called XXXX XXXX back and was told I would not be getting a refund. He stated I would have to have my bank call and disput the charges. When my bank called and spoke ton XXXX XXXX he told them they would have to do a charge back. This was not possible for my bank to do since these transactions no longer qualified for a charge back. At this point XXXX XXXX refused to work with me any further. All I would like is a refund of my money collected for services that were never provided.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Formal Complaint Regarding Inaccurate Late Payment Reporting Dear CFPB, I am filing a complaint against TransUnion for failing to correct inaccurate information regarding late payments reported on my credit report for my XXXX account, Account Number XXXX. Despite multiple requests for correction ( letters dated ( XX/XX/year> ), my requests have been ignored, violating both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The inaccurate late payment reporting on my account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files, which has not been upheld in my case. Despite multiple disputes, the erroneous reporting remains uncorrected.

TILA Violations : The Truth in Lending Act ( TILA ) emphasizes the necessity for accurate and timely disclosures to consumers. The inaccurate reporting of late payments has caused undue harm to my creditworthiness, impacting my ability to maintain favorable financial terms. 
XXXX XXXX XXXXXXXX XXXX XXXX  XXXX ( XXXX ) : This act reinforces the responsibility of creditors to provide timely statements to prevent unfair penalties to consumers. In this case, the improper late payment notation suggests that timely statements were not provided as required. 
The following discrepancies were noted on my TransUnion report and other major credit bureaus : TransUnion : XXXX a XXXX late payment in XXXX and a XXXX late payment in XXXX, despite consistent on-time payments prior. 
XXXX : Also shows a XXXX late payment in XXXX and a XXXX late in XXXX. 
XXXX : Reflects a XXXX late entry in XXXX and a XXXX late in XXXX. 
Nothing has changed despite two previous disputes with TransUnion and the original creditor, and this continued misreporting has led to unnecessary harm to my credit score and financial reliability. 
Desired Resolution : I request the immediate removal of the inaccurate late payment notations from my TransUnion credit report. Additionally, please provide written confirmation of this correction. Failure to address this matter promptly may result in further escalation, including potential legal action and the filing of additional complaints with relevant regulatory bodies. 
Thank you for your immediate attention to this matter. I trust that you will handle this issue with the urgency it requires. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my 9th request but no one seems to care. I want to dispute specific accounts in my credit file that do not belong to me. The accounts 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 accounts : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I became very ill and had to take a leave of absence from my job and move in with my family so they could help care for me. I called American Express to notify them of this sudden change in my life to see if I could work out a payment plan with them. I had automatic payments set up to take care of the remaining balance over a period of 6 months. 

I was surprised to receive a letter in XX/XX/XXXX informing me that my account had been closed due to non-payment. The customer service representative I had spoken to originally had not marked my account for graduated payments or set up the automatic debit as agreed. I ended up taking care of the remaining balance, but American Express would not re-open my account or take ownership for their CSR 's mistake.

To this day, my credit report states that my account is somehow still open, but that it was also closed on XX/XX/XXXX. My credit report also inaccurately shows that my account was 120 days late between XX/XX/XXXX - XX/XX/XXXX. I was on a payment plan at that time, made every payment on time, and met all the requirements of that payment plan by XX/XX/XXXX,  so there is no reason for that to be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account ; 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 has violated my rights. 

15 U.S.C 1681 section 602 A. States I have a right to privacy 15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be an error. 

XXXX XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX HIGH BAL : {$3300.00} BAL OWED : {$3000.00} Under 15 USC 1666b, A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX before the payment due date. I NEVER gave TRANSUNION Reporting Agency OR XXXX XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). TRANSUNION Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for XXXX XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted multiple disputes and an FTC report for fraudulent hard inquiries on my credit reports. They have not been deleted XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Transunion - XXXX XXXX XX/XX/XXXX XXXX - XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I currently have a total of {$58000.00} in student loan debt with Navient. After 2 years of never missing a payment, I noticed my principal balance keeps going up and not down. When I asked Navient they claimed it was due to " daily accrued interest ''. This just can not be the case. I have been tracking my increases since XXXX XXXX, 2016 to today. The average increase per week is {$85.00} added to the balance. I have tried working with Navient but they never have any answers to my questions.
Product: Checking or savings account

Suntrust Bank closed my 1 personal account and two business accounts over 3 months ago! 
They sent me a check for the personal account and a check for 1 of the business accounts, BUT have told me they will HOLD my XXXX for a year in there bank. 
They give me NOTHING in writing and only people at there XXXX number tell me there is nothing they can do!! 

Please, I need HELP ASAP as they are holding my money and NO ONE gives me an explanation. 
They are stealing my money and NO ONE at Suntrust banks will give me anything in writing or a legal reason why they are keeping my money!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This lease company is a fraud. The company listed on my credit report is not the company that we did business with. The company leased out a vehicle they new had damage to the parts, they refused to fix it than they received the vehicle back and they are lying and saying they did not receive the vehicle when infact they did. The company that is not listed received over {$8000.00} for a six month lease on a vehicle they received back and that was not in the contract. Now it on my credit report looking like I did the fraud when I did nothing wrong, this the fraudulent dealings of this leasing company that is not even listed on my credit report, the company listed on my credit report is not the company I had contracted with. This entire car/auto loan is not a loan it is a lease and everything listed on my credit report regarding this account is wrong, it is fraud.
Product: Payday loan, title loan, or personal loan

I took out a credit builder plus loan to help improve my credit and after about 6 payments I tried to pay the loan off but they wouldn't allow me to do this. The reason that I was given over the phone ( I have this call on a recorded line ) was that because I was late with my credit plus membership fee that they could not accept my payment either through the online app or the payment over there the phone even after I told him that the membership fee had been waived by them and not even at my request. The next month I wanted just to make enough of a cash payment on the account that would allow me to use my credit reserve to XXXX  balance and payoff the loan but they said I had to make a full monthly payment and that they would then send me the remainder of the credit reserve in 2 days to my checking account. I received a message that they were releasing my credit reserve on XX/XX/XXXX and that it would be available to me by the XXXX ( 3 days longer than what I was told ). It is now XX/XX/XXXX and they still have not sent me the overpayment which is held in credit reserve on the loan which was paid of on XX/XX/XXXX. Every day I am told that this has been turned over to their dedicated team and that it would be completed in 3-5 days. Today when I called to see if the dedicated team was done yet and was told that this was the first they ever heard of the problem.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022, I applied for a scam job. The recruiter claimed to be from the company " XXXX  ''. The so-called recruiter who claimed to be " XXXX XXXX XXXX XXXX I looked back on the XXXX information and it looked like they changed the profile to a different photo ) sent me a check and told me to deposit the check to my bank account and use Zelle to transfer the money to their so-called " Vendor '', claiming they would use that money to send me supplies for the remote job. The name of this so-called Vendor was XXXX XXXX XXXX and the email that the money was sent to was : XXXX. 
The email from the scam recruiter was : XXXX XXXX The check was for {$3500.00} dollar. The check, however, didn't go through. Because of this, I have overdrawn around XXXX XXXX dollars from my checking account. 
On XX/XX/2022, I filed a claim through XXXX XXXX to do a full investigation on the matter, after 10 business days, they were unable to return the funds because the money was successfully sent to the vendor on Zelle. This made me feel very XXXX. As a college student, this scammer took more than half of my savings away. 
I did more research online on resolving the issues and filing a complaint with CFPB was one of the options.
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant anxiety regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/year> Also Known As : XXXX, XXXX, XXXX Also XXXX As : XXXX, XXXX, XXXX Also Known As : XXXX, XXXX, XXXX Former XXXX XXXX XXXX XXXX Previous XXXX XXXX XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX Address XXXX es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX XXXX Address XXXX es ) : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX Previous Address XXXX es XXXX : XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Employers : XXXX XXXX XXXX Employers XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX : XXXX XXXX
Product: Mortgage

Clear recon Corp which is part of AldridgePite law firm out of XXXX XXXX California is operating illegally doing non-judicial trustee sales in Alaska without the required business license to operate as a trustee in Alaska and without the required Bond under Alaska Statute AS 34.20.125. 
Clear Recon Corp is using XXXX XXXX XXXXXXXX name as fictitious beneficiary and actually evicting illegally elderly homeowners in Alaska in violation of their civil rights, especially violation of article 3 which clearly prohibits the use of any state process to deprive people from life liberty and property which has to take place only in a competent court, which is a federal court, with total disregard and violation of the fourth amendment to enjoy your property protected from trespassing by XXXX, the non-judicial foreclosure sales take place without any evidence by abusing the Alaska court system buildings and then they illegally record without any legal oversight fictitious trustee deeds and then somehow convince Alaska judges to send law enforcement to evict elderly people from the homes without due process and total disregard to civil rights under the fifth, fourth and 14 amendments.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023, I sent a letter to the courthouse asking do they report bankruptcies to the credit bureaus and I got a letter stating " They did not report any bankruptcies to anybody. '' So if that's the case, how did the credit bureaus verify my bankruptcy as 100 % accurate? They never did a fair investigation according to the 15 USC 1681. 

15 USC 1681 section 603 ( 3 ) ( E ) states ; the term " XXXX XXXX Report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others whom he is acquainted or who may have knowledge concerning any such items or information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681 According to : 15 U.S.C. 1681 section 602 A. States I have right to privacy.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXX  ) : ( XXXX XXXX XXXX XXXX ) Please investigate and provide Proof with statements showing that these payments were late. 
If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Prepaid card

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  To whom it may concern, We spoke to a representative today, XX/XX/XXXX. Here are the documents the representative requested us to send for the investigation of the fraudulent use of the {$500.00} gift card used at a business named XXXX XXXX XXXX. 

As was explained on the phone, since this was an anonymous gift card, we do not have the receipt of purchase of the gift card. The representative said she would note this and that it would not be needed to conclude the case. 

Thank you, XXXX XXXX Unauthorized Transaction - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sirs, We activated a {$500.00} gift card on XX/XX/XXXX. A criminal stole the entire amount with an unauthorized transaction to XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX. We reported this crime as soon as we were aware of it around XXXX. The representative at that time told us to call back in 30 days in order to allow your fraud department to investigate and resolve the matter. 

We called back today, XX/XX/XXXX. XXXX took the call. She said that we now have to wait 45 - 90 days for a resolution to this case. Please let me know why the time to resolve has increased from 30 to potentially 90 days. 

Finally, please confirm receipt of this message. 

Thank you, XXXX XXXX XX/XX/XXXX XXXX with XXXX : He confirmed that the files were received on XX/XX/XXXX. He stated that there were another 30 days more to resolution. 
Asked why my XX/XX/XXXX email was not responded to. XXXX said we will get a response in XXXX hours ( by XX/XX/XXXX ) and to call back if it is not received. 
XX/XX/XXXX XXXX with XXXX : She said the case was raised in XXXX. I informed her that it was raised in XXXX. She said this will be raised as a priority with her supervisor and we will have a response in a few days. I told her that I feel that each representative has given me the run around and that I dont want to report Vanilla to a government agency as a fraudulent company.