23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX I received a secure message from Chase bank that a wire transfer was requested from my Checking account for over $ XXXX but it was not processed the bank was opening a claim on my behalf. I also went into the bank at the XXXX branch and met with XXXX XXXX after I received the message. They were not able to do anything locally or with anyone she spoke with in the fraud department within Chase Bank. Furthermore I received a voicemail on XXXX, originating from the XXXX - phone number XXXX XXXX XXXX XXXX, claiming to be from Chase 's wire recall department, referencing my specific case number XXXX. 

On XX/XX/XXXX I visited the XXXX XXXX at the XXXX XXXX and had diagnostic testing run on both my phone and computer. Both devices were found to be clean with zero issues of malware, being compromised etc. 

Previous fraud on my account has been linked to a potential XXXX crime wave in XXXX per my conversations with XXXX XXXX, most recently on XXXX. 

These separate items clearly show a lack of responsibility on behalf of Chase to thoroughly investigate this fraudulent/criminal activity and provide relief to the myself as the victim. 

I have sent and relayed all of this information to the Chase XXXX XXXX and will providing further documentation as well.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. 

Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with a consumer that is accurate. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, in order to make a lawful report, you must follow the XXXX XXXX compliance standards. 

Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 

Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 

LIST OF ACCOUNTS BEING CHALLENGED ; 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed all inquiries on my credit report, I have notified every credit bureau & the companies of each credit inquiry. I have put a fraud alert on my accounts and yet inquiries still keep popping up on my credit reports with Equifax. I have disputed by mail and over the phone on several occasions & Equifax doesn't seem to want to stand by the FCRA rules. Upon further research & investigation both XXXX & XXXX removed all disputed inquiries. I don't believe that Equifax has done any investigating into this situation at all. I am asking Equifax to abide by the laws & delete the unauthorized inquiries. I do not want to have to take Equifax to a small claims court but it's looking like that's the direction they are wanting to go in. I want these unauthorized inquiries deleted off my credit report & I'm going to do whatever needs to be done to get my results. I did not authorize any of these & it's damaging my credit!
Product: Student loan

Navient refuses to show me the contract i signed for an adjustable rate loan ( which i never did ). They keep lying and saying they will send me the contract if i agree to payments. They set up a false account in my name.prove that i signed a contract!! I went into the united states XXXX XXXX XXXX in 2005 the year i graduated highschool for 10 years after i left high school. All you all do is pray on people that cant afford attorneys after setting up fake accounts and then charge them interest they can never payoff. I am in the mortgage industry and i am 1,000,000,000 percent sure that i know you all violate governing laws.
Product: Credit reporting or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX XXXX  XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX  XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX.
Product: Debt collection

I am not liable for this debt with XXXX XXXX  and I do not have a contract with NATIONAL RECOVERY AGEN plus they did not provide me with the original application like I asked. 

Account No : XXXX Amount Disputed : {$3000.00}
Product: Money transfer, virtual currency, or money service

Issue summarized : I've been unable to buy/sell crypto coins, withdraw coins, and withdraw my XXXX USD for over 30 days ( yet somehow I'm allowed to deposit USD with no warning funds will be trapped ). I've sent 2 support tickets ( # XXXX, # XXXX XXXX, requested help on Binance US ' official twitter/IG accounts and the Binance subreddit. I only got one reply 2 weeks after submitting # XXXX - attached screenshot - asking 'If you still need assistance ', which I replied 'yes, please ' to, and was never replied to thereafter and left on read. I can tell Binance US saw my plea since I have Streak for XXXX. 

Screenshots attached of my deposit history along with dates and current wallet balance. Although the funds I have on your platform does not seem like a lot to you, it is a huge deal for small investors like me and it hurts that all my funds have been frozen in such volatile market environments like today.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/2018 I've been disputing a Unverified account that do not belong to me which is XXXX XXXX on my Credit Report with Experian, XXXX, and XXXX. I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) the Credit Bureaus have on file of the account. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. Despite more than three written requests, the unverified account ( XXXX XXXX ) still remain on my credit report in violation of Federal Law. Experian, XXXX, and XXXX  are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of there investigations, they stated in writing that they verified that these items are being reported correctly? But Who verified these accounts? Experian, XXXX, and XXXX have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore Experian, XXXX, and XXXX have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Under Section 611 ( 5 ) ( A ) of the FCRA you are required to. Experian, XXXX, and XXXX  failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions in accordance with the Fair Credit Reporting act XXXX XXXX  # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting

I have recently submitted a complaint regarding alleged fraud thought to be perpetrated on my sister and mother through XXXX XXXX, now XXXX. As of two days ago, XXXX has placed a hard inquiry onto my own credit report. They were not given permission, I did not ask them to, it 's harmed my credit by XXXX points, and I did n't submit for a loan, mortgage and was in no way even in contact with XXXX. 
I believe XXXX may be wondering who I am and have sought information about me through a hard credit inquiry. See below.. 

Hard Credit Inquiries Since your last update on XXXX XXXX, 2016, XXXX inquiry has been added to your credit report. 
Lender Industry Inquiry Date Reported By XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, 2016 Equifax You now have XXXX inquiries on your credit report. 
View Credit Inquires View Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent Disputes for those accounts I found on my credit report inaccurate and unknown. over 30 Days today since I've sent those disputes but I haven't received a response. I was a victim of an Equifax Data Breach. I demand to Delete those accounts or I will file litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is what Equifax is claiming validates the debt between me and XXXX XXXX XXXX. XXXX XXXX capital. See file named XXXX  debt. I made the same thing up on my computer and I put Equifaxes name on it so this proves Equifax owes me money. If they are claiming that what XXXX submitted as proof of debt then what I am submitting prove Equifax owes me money. XXXX has not produced the credit card contract. They have not produced a receipt with my signature on it or anything else expect for a spread sheet that alleges I owe this debt. If Equifax allows XXXX to present that as debt validation then what I presented here proves Equifax owes me money.
Product: Debt collection

I have been disputing this collection for the past couple months. Equifax has stated that this account was verified, but has failed to provide verification. The collector only provided me with a screenshot of an itemized statement of charges. They did not provide me with any original contract bearing my signature proving this debt. 

XXXX XXXX XXXX # XXXX
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. 
I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 
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
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card

In the year XX/XX/XXXX, I purchased tires from Sears XXXX. My statement came and I paid the minimum payment. At the same time a statement came for XXXX, but I do not have a XXXX. A check revealed someone opened an account in my name. XXXX was notified of the fraudulent account and they rectified the situation. A further check of my other statements revealed, sears had over a thousand dollars in purchases from playstation and another video gaming company. Sears was notified of the situation and they acknowledged the disputes were from Maryland and they would rectify the situation. Each month, I would receive a billing statement same charges higher then the last. I called each month about the charges and was referred to the fraud department and was assured by different fraud investigators that the charges would be taken off. Currently, I received a statement for the month sears customer service on XX/XX/XXXX for the company to correct the new balance. They connected me to the fraud department and spoke to a female manager ( XXXX ) who stated she does not give out last names. I attempted to explain that my new balance was wrong. She stated, " I am at fault for not notifying the sears of the fraudulent charges. '' I explained to her that I did notify sears, that 's the reason why sears credited the fraudulent charges. I further asked her to go back to when I purchased the tires, so I would know what amount is left. She stated she can not go back that far to look up the information. I advised her I would like to put a billing dispute which is a different department, she stated it will not go through cause it has to go through my department. I, eventually ended the call and felt like I was victimized a XXXX time. XXXX from someone using my information and now from sears.
Product: Debt collection

This is a complaint against BLOOMINGDALES. I have been a victim of identity theft for two years and my XXXX credit report shows an open account without my permission, without my authorization but this is not the worst thing is that it was opened with another number of Social Security that is not mine, so what is this abuse and lack of respect, the bad work that your department does to report to an agency a fraudulent account in my credit report.
Product: Money transfers

Moneygram locked me out of my online account, which use to send money to my family, back in XXXX. When asked the reason, why I was locked out ; when i called moneygram i was told by a customer service agent, that its for security reasons. But i think its because of discrimination, based on whats happening with lottery scamming in XXXX, i feel i was targeted and locked out by moneygram, based on my remittance, destination.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACCOUNT # XXXX XXXX XXXX  HAS VIOLATED MY RIGTHS. 

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 WRINET INSTRUCTIONS.
Product: Debt collection

I file a complaint before about this debt for Consumer Portfolio Services. My ex wife and i had a car loan with consumer portfolio service this loans was in XXXX. The car motor went out they repossess the vehicles. The station of limitation has expires in XXXXXXXX XXXX XXXX i did a debt validation letter to them and they drop the balance to XXXX  on this account .Now in XXXX XXXX XXXX  they must have sole this debt to XXXX XXXX XXXX because now this collection agency have put it back on my credit report as of XXXXXXXX XXXX. This is fraud and i want it remove ASAP.
Product: Debt collection

I have no recollection of this collection. UNITED REVENUE CORP. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a complaint through the CFPB after getting no results by mail with the Bureaus. My initial complaint stated On XXXX XXXX I received a letter from my XXXX XXXX XXXX " XXXX '' who provides services for my XXXX insurance company XXXX XXXX. They informed me that my records have been accessed with all of personal information by an unknown person. When I called and spoke with a rep she informed me that they were caught on XXXX XXXX but they could have had access up to 30 days prior. These were the accounts listed XXXX XXXX XXXX XXXX XXXX XXXX. After i sent the complaint the items were removed on XXXX XXXX. XXXX days later on XXXX the XXXX the XXXX account appeared saying that i opened a new account along with XXXX other accounts XXXX XXXX XXXX XXXX XXXX XXXX that werent on my credit report prior too. I have now filed a FTC Identity Theft repot, My case number is # XXXX. Below are my attached documents. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementined accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my consumer report, and I noticed some late payments posted on my consumer report on a account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have the responsibility to report Maximum Accuracy. I have never been late on payments for XXXX ACCOUNT # XXXX Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand these payment be updated to on time as they should be as I was NEVER Late.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 1. US DEPT ED Active {$4800.00} N/A of Credit Limit 2 . US DEPT ED Active {$3700.00} N/A of Credit Limit 3 . XXXX Closed {$2700.00} N/A of Credit Limit 4. XXXX  Closed {$7600.00} N/A of Credit Limit 5 . XXXX Closed N/A N/A of Credit Limit 6. XXXX Closed N/A N/A of Credit Limit 7. XXXX Closed N/A N/A of Credit Limit 8. XXXX XXXX Closed N/A N/A of Credit Limit 9. XXXX  Closed N/A N/A of Credit Limit
Product: Debt collection

Despite my formal request made on XX/XX/2023 to Bull City Financial for verification of debt documents, notably the signed contract reflecting my signature, I have not received a response within the stipulated 30-day period. Instead, the documents sent to me contained confidential hospital information, which was never authorized by me for disclosure to any third party. It's critical to emphasize that these documents not only breach HIPAA regulations but also fail to fulfill the essential requirement of providing valid verification of the debt as originally requested.
Product: Debt collection

Americollect is on my credit report saying I owe {$1000.00} to them. I asked them to provide debt validation and they cant. The only thing they provided was a statement/bill. I got in contact with the original credit which was XXXX. XXXX stated I didnt owe them any money, further more they didnt even have me in their system. I sent a copy to Americollect and they then stated its for XXXX who supposedly is my son. That is not my kid! From my knowledge if I owe them a bill they supposed to send me debt validation not a statement/bill. I should received a contract thats between Americollect and I saying I owe them money with my signature saying I agree to pay them. I will like for them to remove that collection off my report asap since thats not my bill and they cant provide me with any type of debt validation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act this creditor ( Apple GS bank USA credit card ), ( XXXX XXXX Personal Loan ) has violated my rights under 15 USC 1681 section 602 states that I have the right to privacy. 15 USC 1681 section 604 A section 2 also states that consumer reporting agency can not furnish my account without my written instructions. under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open-end consumer 's credit plan as late for any purpose. My missed late payments that were under 60 days are current now. please assist in removing late payments.