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

I had a 3rd ( re- ) investigation done with the credit reporting company TransUnion regarding incomplete inaccurate ( unverified ) erroneous information on my credit report that is hurting my credit, livelihood and quality of life. TransUnion stated that the information on my credit report for the third time is in fact Verified and accurate and that they have done a full investigation for the 3rd time and is in fact sure this information is correct.

However I Disagree with the validity of the investigation and the wrong incomplete information on my credit report. I utilized my rights of writing them a letter requesting FCRA 611 Method of Verification in it's entirety of how TransUnion verified these items on my credit report and they were given 15 Days as of receipt of the letter XX/XX/year> to respond to me as stated by the FCRA. The FCRA states that by Law they have. to provide me with this information within 15 days from the day of receiving my request.

TransUnion has NOT replied back to me with any written/verbal or any correspondence due to their Willful Non-Compliance whatsoever of this information and it has now been past 15 days.

Time is of the essence and this has been a continued issue causing me problems with my livelihood and the quality of life for myself, my children and my family.

It has affected my ability to obtain credit, and purchase a car for transportation for my children and housing. Our whole life has been negatively impacted because of this I would like for the FTC to be involved as well as the courts.
Product: Checking or savings account

i filed a complaint already with the XXXX back in XXXX of XXXX  bank of america has not responded and if im not mistaken, bank of america had XXXX days to respond. its nearly XXXX months pass the deadline. i dont know what to do next. i need my money
Product: Vehicle loan or lease

Obtained a loan from INET Inc, XXXX XXXX, XXXX XXXX Funding Supervisor Title Supervisor iNet Inc. 

XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Ph ( XXXX ) XXXX ext XXXX Fax ( XXXX ) XXXX On XXXX. They were the broker for the loan and put it through to XXXX XXXX. Inet refuses to send me a copy of the original title to the trailer so I can transfer it from XXXX  to XXXX, get it registered, tagged and a lien recorded. They won't return calls, have been stating that they overnighted this document to XXXX MVA on XX/XX/XXXX and then stated again that they overnighted it again on XXXX. They continue to play games, won't return calls nor provide the legal document to close this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX  XXXX Balance : {$2200.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$3500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$750.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$750.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance XXXX {$370.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$420.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$240.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$360.00} XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$190.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$370.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance XXXX {$180.00} ; XXXX XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX  XXXX ) XXXX Balance : {$280.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX ) XXXX Balance : {$760.00} ; XXXX XXXXXXXXBalance : {$150.00} ; XXXX XXXX Balance XXXX {$110.00} ; XXXX XXXXXXXX Balance : {$200.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX  XXXX CT XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX XXXX XXXX XXXX : {$160.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX CO XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX & XXXX  XXXX XXXX XXXX : XXXX XXXX XXXX XXXX SO ) XXXX Balance : {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX : XXXXXXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX & XXXX  ( XXXX Creditor : XXXX XXXX XXXX XXXX SO ) XXXX Balance : {$1100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I was sent a venmo and a few days later the recipient did a chargeback and making my account go negative and venmo did nothing about it but declare the sender in the favorite
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX Balance : {$400.00} ; XXXX  XXXX XXXX Balance : {$690.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX XXXX {$950.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$760.00} ; XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX  ) XXXX Balance : {$850.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX IIB ) XXXX Balance : {$4200.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$550.00} ; XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 ; 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/2021 ; XXXX XX/XX/2021 XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I lodged a complaint against these Bureaus a XXXX  ago, but unfortunately, the inaccurate information on my report still remains. Surprisingly, I haven't received any response or correspondence from the Bureaus, and they have already closed my complaint. Could you please explain why they closed my complaint without resolving the issue? Have they even acknowledged or verified my dispute? I need assurance that they have thoroughly checked the inaccuracies on my report and validated the accounts. Can you provide details about the methods they used to verify my report? This situation is incredibly frustrating! It has been more than 30 days since I filed the complaint, and I expected these accounts to be updated by now. If they are not updated immediately, I will have no other option but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Credit card or prepaid card

Filed a police report onXX/XX/19 with XXXX  XXXX  Police Department.  The over charges on my account were for $ XXXX on Chase XXXX  $XXXX Chase Freedom and XXXX on XXXX XXXX XXXX. The dates the over charges where done on wereXX/XX/2019 by XX/XX/XXXX. The credit cards where Chase XXXX, the current card # is XXXX XXXX XXXX XXXX  exp. XX/XX/.  The other card is Chase Freedom card  # XXXX  exp.XX/XX/, XX/XX/XXXX # XX/XX/ .  I would really appreciate some help with this and I thank you for your time and efforts.
Product: Mortgage

I received a mortgage statement and to my surprize it said, that I had not made any payments since XX/XX/XXXX. I paid all my mortgage payments on time every month usually for more then was due that went into a suspence account, that is now heavy with funds. I ordered the canceled checks from the bank and found that they were cashed for three months XXXX, XXXX and XX/XX/XXXX They were cashed in there perspective months, but only put in my account this week in XX/XX/XXXX except for XX/XX/XXXX that was put into someone else 's account per back of the check. My payments for XXXX, XXXX and XX/XX/XXXX have not cleared the bank and the mortgage company said, because they filed for forecloser that they may not accept the payments.
Product: Checking or savings account

Savings account was opened XX/XX/2022 with BMO Harris Bank NA, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, ( XXXX ) XXXX, account # XXXX. I DID NOT OPEN THIS ACCOUNT. It is fraud.
Product: Debt collection

Between XX/XX/XXXX and XX/XX/XXXX i rented an apartment from XXXX XXXX with my wife. From XX/XX/XXXX to the end of my lease i was made the XXXX and was legally not allowed to live in my apartment. As a alternative i resided in a room provided to me by the XXXX. I legally could not have caused any damages to the apartment in question, because i did not live there, both by legal constraint as well as physical.
Product: Credit card or prepaid card

I booked a four night trip through XXXX XXXX for a trip to XXXX, Florida for the dates XXXX XXXX XXXX. There were two payments to process, the first in the amount of {$640.00} in XXXX processed normally. The second payment that was supposed to process sometime in XXXX of {$620.00} failed to process due to credit limits on my Bank of America credit card. It is the companies policy to notify its customers of this, however, I was not notified. Instead my vacation reservation was cancelled by the company without my knowledge. I never got to go on my trip and when I tried to rebook the stay at the same residence it had already been booked by someone else. Neither Bank of America NOR XXXX XXXX notified me of the failed payment. The email address on file with XXXX XXXX is not a working email. I had informed XXXX XXXX of this several times prior to this issue. I even tried to change my email address but they would not allow me to due to the way the system is set up. Come to find much later after the fact XXXX XXXX tried sending two emails to a non deliverable email that I used 5 years ago when I was in college XXXX ) to notify me of the failed payment. You would think that once air bnb realized the emails were non deliverable they would have tried to contact me an alternative way ( via air bnb messages or through telephone ). But no they instead cancelled my reservation. Due to the hosts policy if a reservation is cancelled 2 days after booking they are entitled to 1/2 of the cost of the trip ( XXXX ). I understand this policy however I did not cancel the trip. It was cancelled on my behalf. Had the company contacted me through an appropriate means to notify me of the failed payment I would have resolved the issue. Instead, not only did I lose {$640.00} but I also lost at least 24 hours on the phone/messaging with airlines, air bnb, my bank, my family and the host trying to resolve the issue at hand. My bank, XXXX  XXXX, the host and the airlines did not refund my money. I am out at least {$640.00} for the reservation for a trip I never got to take as well as my non refundable flights as well as the time spent trying to resolve these issues. Not to mention, being treated like a liar and thief is not appropriate either. The host of the XXXX XXXX was extremely rude and unforgiving during this entire situation. I work 65 hour weeks and have very little time to resolve these issues. I do not appreciate the way my bank failed to resolve the disputed charge without even allowing me an explanation as well as the way XXXX XXXX has handled the entire situation.
Product: Checking or savings account

On XX/XX/23, {$140.00} was withdrawn via an ATM. The withdrawal was from an ATM in Maryland when I was out of state in Pennsylvania ( I was out of town from XXXX ). I offered proof that I was not in the state and could not have made the withdrawal and Discover refused to investigate. They claimed that there was no way that an ATM withdrawal could have occurred without my physical card. They failed to tell me that skimming is a current scam and that consumers are victims of this all the time. I asked them to review the video tape of the ATM transcation, which would clearly show it was not me who withdrew the money. They refused and closed my complaint without doing anything to fix the problem. They also failed to inform me of this well known scam and they did not advise me how to avoid this type of fraud in the future.
Product: Debt collection

on XX/XX/XXXX i rec 'd a letter addressed to me... letter was dated XX/XX/XXXX for a service at XXXX XXXX from two years ago for my daughter from a company called Radius Global Solutions asking me for money. 
the phone number on the letter is a non-working number XXXX the reviews on this company are very recent and imply that this company is fraudulent and these are scams. 
a little over a year ago XXXX XXXX was compromised and patient info accessed. 
apparently date of service was either XX/XX/XXXX or XX/XX/XXXX for {$220.00}. we have never rec 'd an invoice for this service and i contacted XXXX 's billing dept on XX/XX/XXXX to pay any unpaid balance if one existed and i was denied the ability to pay due to HIPAA laws since my daughter is not a minor and was not XXXX yrs ago. XXXX in the billing department kept repeating " i see what happened and i am updating the account. '' Again, they could not discuss anything with me even any oversights on their part for failure to furnish an invoice for services to my daughter. 
i emailed this company at XXXX to inform them that i am disputing this collection because it does not belong to me and we were never made aware from XXXX there were charges due. i also informed them that if in fact there is a balance due that we will handle it directly with XXXX and they are not to ever contact me regarding this issue as this is not my debt and my daughter has never been notified properly in the last XXXX yrs since the day of service. 
i have not rec 'd a response from them.
Product: Vehicle loan or lease

I bought the vehicle from XXXX XXXX in Connecticut. The vehcile I purchased was used and XXXX XXXX miles. Thats why I bought it. I paid about {$670.00} a month for the used car when the payment should have been no more than {$400.00} a month. I never missed a payment since the time I bought it. I am now passed due, and I requested for time to pay based on financial issues. I lost my job due to no fault of my own. IT is my only car. XXXX called XXXX  within XXXX  days to threaten that I payment but it would not matter, because if I dont pay {$2.00}, XXXX immediately, my car would still be subject to Repossession at ANYTIME. 

They have been unwilling to work with me at all, after me actually needing to be credited for the next XXXX  years based on XXXX  payments, which means that the care is PAID IN FULL already.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Review inquiries had account that I dont even recognize, 14 accounts, the address was in a different address by I did change to the right address but I think that the person had my account mess up my credit score
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : FLAGSHIP CREDIT ACCEPT Account number : XXXX
Product: Debt collection

I received notification onXX/XX/XXXX from XXXX XXXX that a new collection had been added to my report. I notified Cascade Collections that they were in violation of FCRA by email and did not receive any response nor did I receive any notification of the collection from Cascade. 
They gave impacted my credit report, have not sent me notification nor did they send me verification of the debt. 
The same complaint is against the original company XXXX who refused to send my text book rental back to me and claim I owe them {$260.00} for a {$20.00} textbook. They refuse to send me receipt or documentation for this debt. XXXX promised to send me back my book- they never sent it and claim there was a time limit on their gesture which is not noted anywhere on the email.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian still continues to report this account inaccurately. They are reporting a closed Credit Card, 30 day late XXXX XXXX  XXXX, this account was closed and paid in full & never late and CLOSED in XX/XX/XXXX. A debt validation letter was sent on XX/XX/XXXX I received a letter back from XXXX XXXX that they were going to remove this account from my credit file which has not occurred. They have continued to fraudulently and inaccurately report this account on all three credit reporting companies. Please see the attached documents for proof of this. Ive also included my bank statement for to prove that payments were made to them in XXXX and XXXX of XXXX. They told me in writing that this account would be removed on XX/XX/XXXX, it has not been removed. 
I've attached proof of payment when I closed the account and the prior months payment for XXXX and XX/XX/XXXX. I've attached numerous examples of this company reporting this account fraudulently and inaccurate. I've attached the letter they sent to me stating they would remove it.
Product: Debt collection

The company I obtained my XXXX XXXX for did not do a thorough job writing out the diagnosis and recommendation. It has caused years of hardship trying to get insurance to pay for items needed for my XXXX, a required medical need. 
They are hindering this process yet again as insurance is now saying they will not approve any further medical equipment until they have a proper recommendation stating the type of machine needed and detailed information so that the correct machine can be ordered. 
Our current machine is obsolete. Therefore we have to now get a new machine. 
We have asked the sleep study facility for this information as it was not on the original recommendation and that is standard operating procedure. 
They are refusing to see me or provide this information saying we owe them money. 
We do not owe them money, we had a {$50.00} co pay and it was paid. Further, their company did not bill insurance and because that statue of limitations has passed they are trying to collect from us. 
We did not have a {$230.00} co pay we had a {$50.00} co pay at the time.
Product: Debt collection

When we began our mortgage with New Rez, they asked for proof of insurance. We sent that to them. Then in XXXX of 2021 or thereabouts, they sent us a letter saying that we haven't gotten them proof of insurance and that if we don't get that to them over the next however many weeks, they are going to start charging us for their insurance each month. We immediately contacted them and resent our proof of insurance. But they kept charging us extra on our mortgage. 

Once i realized that this was going to be an issue, i started to record dates and times and the individuals that i spoke with at New Rez when i called them about this matter. 

Everytime i called them, they would confirm that we did have insurance and that they were going to get that removed from our account and immediately reimburse us for the additional insurance charges. They never did : XX/XX/2021 at XXXX- XXXX XXXX XX/XX/2021 at XXXX- XXXX XXXX XXXX XXXX XXXX hung up on me XXXX XXXX XXXX XX/XX/2021 and actually gave me her number to follow up with her if the problem still isn't fixed- XXXX. It is not a working number. 

Please let me know what other information that you need from me- thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Received my credit report showing a inquiry from SANTANDER CONSUMER USA from XX/XX/18 showing I applied for a Car loan. 3 years ago, I was a victim of identity where my ID AND SOCIAL SECURITY CARD were stolen. I did not apply for any Car loan, and this Inquiry remark on my credit is causing many issues for me applying for a home which is affecting my score. I did not give this company permission to run my credit for any means necessary. I do not have any means of applying for a car loan as I am a single mom and could not afford and other dept The item is inaccurate, misleading, or incomplete, may have violated federal law.
Product: Credit reporting or other personal consumer reports

Kindly remove all hard inquiries from my credit report that were made without my authorization.