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

There was not a more applicable radio button.

TransUnion changed the way they calculate payments for all consumers. Due to their recalculation, my credit score dropped 70 points in 1 month. This is especially impactful because I just got promoted and am supposed to move to Texas but now I fear it will be significantly for difficult and more expensive to do so.

This seems like a drastic, unfair change.
Product: Credit card or prepaid card

Bank of America Refused to give me credit for online charges made with my XXXX Debit card. They said the merchant verified the personal information so they ruled all of them valid. I called several times asking for a copy of the detailed report of their findings for their decision. They refuse to give me any info about their investigation. They told me to call the Merchant myself. I called the Merchants and most of them had the EXACT SAME ANSWERING SERVICE SAYING THE SAME THING and I was on hold for over 10 min but never spoke to anyone. I looked up each site there is no other number for me to call. I keep asking for a detailed report on what they actually did but they refused to send me one. They treated me like I was the criminal and i had to prove I was write. They didn't talk to anyone to confirm the information. If the bank actually did call the Merchant they should have asked for a copy of a receipt, a confirmation #, a txt or email confirming the order, recorded conversation confirming the order, if the call was made online with a computer or cell phone if so got the IP address to see the location the purchase was made from. The bank said the merchant gave them my name, address, card # and SSS #. I explained that that information can be obtained many different deceiptful ways like surveys, missleading winnings these always ask for your email, phone # and address and eventually they want you to complete certain levels in order to receive your prize and only pay the shipping and handeling and how do you pay that? With your credit card. They don't need your SS # to make online purchases. I esculated the calls as far as the Claims Manager. When I asked for his supervisor he told me he didn't have one and then wouldn't give me a phone # to call to complain or an address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have ask Equifax numerous times for Equifax to show me a signature that I was the one to open regions bank loan I have told them over and over that this account was not opened by me by law they must send me proof meaning a signature. This is not mine called a lawyer he stated for a loan Equifax must provide a signature or delete from credit report.
Product: Mortgage

I have a mortgage loan through a company name Ameris Bank, since I start this loan I always gets an amount of monthly payments of XXXX $ ( I been paying this amount since the beginning of the loan ), the first week of XX/XX/XXXX the bank notify me that my monthly payments will jump to XXXX . At the moment I called the bank the only explanation I received was : you are short on the escrow because the county taxes increased from {$690.00} on XXXX to {$3800.00} on XXXX. When I explain that I understand the shortage but I found an extra {$99.00} over the new mortgage statement, they start to give me complicates explanations and my only two solutions is pay the new monthly amount or pay the projected low point of {$5100.00} to come back to the former balance. Now if the Principal and Interest is lock on {$1000.00} monthly, the Hazard Ins is {$840.00} ( {$70.00} monthly ), the Tax is {$3800.00} ( {$320.00} monthly ) and the unpaid Tax amount for  XXXX is {$3800.00} " less the amount I already paid for XXXX Tax of {$690.00} '' the Tax deficit for XXXX is {$3100.00} ( {$260.00} monthly ) and the Required Reserve Balance is {$780.00} ( {$65.00} monthly ) the total is {$1700.00} per month, resulting in a different of {$99.00} per month a total of XXXX per year.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I called and requested that TransUnion send me a copy of my Consumer file. I was notified by XXXX that the credit report and credit file are one in the same. I explained using legal terms, that information is incorrect. I made it explicitly clear that I was NOT requesting another copy of my Consumer Report, as I already have such. 
After placing me on hold, XXXX informed me that he would send my credit file to my current address on file. He gave me the reference number also, which is XXXX. 

On XX/XX/2022, I received a letter from TransUnion that contained a copy of my most recent Consumer Report, which is clearly not what I requested. 

On XX/XX/2022, I contacted TransUnion once again, to request my credit file. 
I spoke with XXXX who advised me that they aren't able to send me a copy of my credit file, only the Consumer report. I asked to speak with a Supervisor, and was transferred to an Supervisor by the name of XXXX who said they can not send anything except for Consumer Report. I again explain the difference between a file and report, according to Federal Law. 
She then transferred me to a Supervisorby the name of XXXX in Special Handling that advised that TransUnion can send me a copy of the credit file but I would need to write a certain department to obtain that information. She did confirm that she knew the difference between a credit file and report, and she also advised that she was in fact able to see information not contained in my Consumer Report, but she didn't have the authority to send it to me. She put me on hold to get clarification from her Superior, which advised her that if I am requesting such information, I would need a subpoena to access " total history '' instead of " ultimate data ''. She then transferred me to her Superior ( XXXX XXXX who advised that the only thing they see on file is what I see in my Consumer report, and that no one at TransUnion could give me that information. She advised that I reach out to every Creditor individually, which was very unfair and dismissive at the very least. This is most certainly misinformation. 

15 USC 1681g directly indicates how as the Consumer, I have the right to be disclosed to my Consumer file. It was also made very clear by Congress, what a credit file is, and that it is not the same as the Consumer report. A credit file by legal definition means all of the information on a Consumer that is stored and retained by a CRA regardless of how information is stored. Whereas, the report is just a detailed written account of a Consumer 's credit history using financial info collected from creditors.

I am filing a complaint for their negligence to adhere to my federally protected rights as a Consumer. I look forward to this issue being rectified by TransUnion as soon as possible.
Product: Money transfer, virtual currency, or money service

The attached letter to Wells Fargo explains the problem in detail. When this letter was sent to Wells Fargo, it was initially ignored. It was sent again, with help from a local news station, and this time I received a response from the bank stating that they will never refund me any money from this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my right. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Checking or savings account

I tired to pay my vehicle off through US Bank online bill pay. They indicated the creditor XXXX XXXX will only accept paper checks. This is not accurate based on my conversation with XXXX XXXX. 

US Bank indicated they mailed check number XXXX to XXXX XXXX on XXXX for arrival on XXXX. XXXX XXXX has no record of the check and US bank can not give me an answer where my check and funds are.
Product: Debt collection

Collection appeared on my report that is not mine. I have not owned a car in almost 20 years so I dont see how this could be mine. 

No actions where taken against me, I was only notified through a credit alert. 

I believe this is some sort of identity theft. 

Collection Agency : Credit Intl Corporation Original Creditor Name : XXXX XXXX XXXX XXXX XXXX Date Assigned : XX/XX/XXXX Original Amount Owed : {$3300.00} Amount : {$2800.00} Reported Collection Credit Report : XX/XX/XXXX XXXX
Product: Student loan

I mailed a post dated check, they held it for a couple of days but still cashed it four days early ; my banking organization honored the check early also.
Product: Mortgage

1.I have never had an account with this company RANLIFE/XXXX  XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are RANLIFE XXXX XXXX the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 
7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 
8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 
10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sunwest mgt is reporting late payment while under VA FORBEARANCE DURING covid CARES act which forbids derogatory information being submitted to a credit reporting agency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive already sent a dispute to both XXXX and Experian on XXXX. Neither has done a proper investigation into my claim. Both have returned verified with out contacting the debt collection agency. It is my right to have 100 % accurate information on my report and both have failed to investigate my claims. Ive already filed a complaint and nothing has been resolved. I requested verification form XXXX XXXX and was provided an expired XXXX  month lease as validation. As I know the burden of proof is on the debt collector for them to investigate line item by line item to make sure that all information is valid. they have not.
Product: Payday loan

Cash express in XXXX TN. Is there number XXXX XXXX XXXX. They will not accept my payment demand me to have my payment of XXXX besides the XXXX that i originally make my payment on the XXXX of each month Cash express knowledge me that starting in XXXX they will be offering flex loans and my loan will need to be changed over to it if I did not have it paid off by then. 
I went in to pay my payment they refused it cause my income was not income and told me they can not accept my income that was on paper cause my employer does not have a landline business phone number ... ...
Product: Vehicle loan or lease

Upon reviewing my contracts, obligations, and rights as a natural person operating in commerce, I observed that there are multiple violations present which invalidates my contract pursuant 12 CFR 1026.3 named XXXX in XXXX. 
Per the congressional findings of Truth In Lending Act, " The purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit ''. 
It is appropriate for me to assume that the salesman that assisted me with the purchase of my XXXX XXXX XXXX  VIN # : XXXX at XXXX XXXX XXXX XXXX intentionally withheld pertinent information to complete the sales.
Product: Checking or savings account

On XX/XX/2022 Discover Bank shuttered my checking account. We I finally was able to get through to them a representative could not provide a specific reason why it was done. The only reason provided was a " business decision '' was made to close the account. I was then told the funds would be dispersed in 60 days. The funds amount to approximately {$4500.00}. I no longer have access to the account in any way. the {$4500.00} they are holding can not be replaced without great difficulty. I can not see what recurring payments were scheduled to go out or were recently sent. I was told a statement would be made available via mail. To do this to customer in good standing is abhorrent.
Product: Debt collection

I have asked this company to stop emailing me to just mail me validation on this debt simply a contract between me and the creditor my signature stating I owe this debt along with any other proof that leads me to this debt collector I have never heard of and I simply just get emails back stating here 's your validation with no contract or anything I have emails I can forward to this claim I have emails in which I have asked a few time to stop emailing me and him continuous to email me I have tried to block this debit collector and it has not worked I'm still getting emails I'm feeling very flustered
Product: Credit reporting, credit repair services, or other personal consumer reports

" " '' I have disputed this Public Record on this Bankruptcy : Discharged CH-XXXX XXXX for months.XXXX and XXXX have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''
Product: Credit reporting

I have several duplicate hard inquiries on my credit report from XXXX that were supposed to be removed but they are still there and affecting my ability to close on a house in 30 days. I am not working with this mortgage company. They should not be allowed to make multiple inquiries. I never game them permission to make multiple inquiries. 
The inquiries are as follows on XXXX, Equifax , and XXXX XXXX, XXXX inquiries on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX did not consent to, authorize nor benefit from any of the following inquiries on my FTC report. Please block and remove.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has XXXX attorney generals on my account which should only be XXXX & which has been paid in full since XXXX XXXX
Product: Credit reporting or other personal consumer reports

In XXXX of 2016 My wallet was lost that included my drivers license, social security card, and other forms of identification outside of my house and since then there have been sev-eral fraudulent account opened in my name student loans, utility bills, car loans, credit cards, home leases, student loans and I dont know what elese. I have filed a police report as well. I would like for all these items to be deleted from my credit profile. 
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX Metro 2 COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting.Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, metro 2 compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : 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 XXXXXX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

I filing to remove the fraud alert from XXXX, XXXX  and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid {$2400.00} to have them go in and assess my credit and they said give them 90 days and they would have my credit repaired or I would get my money back. Its now been 6 months and I cant even get a person on the phone. They send you to a chat page where I may or may not be talking to an actual person. I have said I want someone to contact me and they still have not had anyone call me. I just want my money back at this point and need help. The company is called Top Flight Assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft. My home was burglarized and a theft took a lot of my belongings including my social security card and my ID. These inquiries should not be on my report for XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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