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

Time is of the Essence to this request.

I want to file a complaint against HSBC BANK of New York. 

I have contacted the HSBC Wire Department and Federal Reserve Bank XXXX without any progress. HSBC wont talk to me! Its my money. 

I started a Wire Transfer XX/XX/2019 of XXXX $ Reference # XXXX at XXXX Bank XXXX XXXX XXXX, XXXX XXXX has some arrangement with HSBC Bank in New York to be the intermediary. I contact HSBC and they refused to check status. I contacted XXXX same result. I sent wire expected quick delivery. Please prosecute, penalize and take enforcement action. I paid fee of {$50.00}. 

Funds were not transferred and not returned by HSBC Bank New York. 

XXXX submitted a Cancellation request on XXXX XXXX and funds have still not been returned!!! HSBC Has had my money for 13 days!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I reached out to Experian, Triple Alert to cancel a credit monitoring service. It was next to impossible to find the number to call - they make it extremely difficult to cancel. I finally received an email with a customer care number ( see below ) : Customer Care Contact Information Phone : XXXX Hours : Monday-Friday from 6 a.m. to 6 p.m., Saturday-Sunday 8 a.m. to 5 p.m. Pacific Time Email : XXXX Your Membership Number is : xxxxxxx After being on hold for 30 minutes, I was told I need to call another number and proceeded to hold another 5 minutes. After calling the new number XXXX XXXX XXXX, I was told they could not find my account. This is a shady business practice, designed to collect {$4.00} per month from consumers indefinitely. The third number XXXX XXXX XXXX put me on hold for 9 minutes. The representative redirected me back to the XXXX number. This is a scam and very poor business practice. I am disputing the charge with the my credit card company. 

I never did get resolution. The customer service rep told me to dispute the charge. However, this is a recurring charge so not sure how I'm supposed to dispute it EVERY month.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my first complaint I told new city funding that the auto loan that I had with them wasnt discharged in bankruptcy, they are claiming that it was but that is incorrect because if an account is discharged in bankruptcy, it doesnt have to be paid because it was discharged,  I filed for bankruptcy chapter XXXX so that means that all of the accounts that were included in my bankruptcy I didnt have to pay any longer because they were discharged, now I paid this auto loan in full, every single payment were taken out of my bank account, so if I paid this account in full using my own money, how can new city funding tell me that it was discharged in bankruptcy. If I discharged this loan in bankruptcy how come I still have the car? That is my question to new city funding, I was a great costumer to this bank and they are doing me so wrong by not telling the truth, even the documents that they sent me, if you look at each of the payments, they were made as they were agreed to. I want new city funding to proof to me that I did them wrong on this account, if they have any proof showing that I didnt pay this account in full I will stop complaining about this matter, this is no way to treat costumers, I will contact the attorney generals office and I will also file a complaint with the XXXX, XXXX XXXX XXXX, if this account isnt corrected because new city funding know very well that I never missed any of my payments on this car. The FCRA says that all information on a consumers credit file needs to be 100 % accurate and right now this account isnt being reported accurate at all. This bank or any other bank for that matter have to obey the FCRA and go according to what they say. I will also consider legal action in small claims court against new city funding for wrongfully reporting this account to all the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Consumer XXXX XXXX am writing the complaint on my own behalf. I am a consumer who have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) Ally Financial has violated my right to privacy by furnishing information about me without any lawful authority. Ally Financial is a also in violation of Regulation Z 1026.13 ( d ) ( 2 ) which states that a creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. Ally Financial was sent a billing error notice as well as a billing dispute. A consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the Gramm-Leach Bliley Act. I was not given the chance to opt-out of having this reported information by Ally Financial and this is a violation of 15 USC 1681a ( 2 ) ( iii ) and must be removed. A consumer reporting agency needs written instructions by, I the consumer to furnish a consumer report. without written instruction consumer reporting agencies has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumers report. By definition XXXX, XXXX, and XXXX has committed identity theft. This is a violation of 15 USC 1681b ( a ) ( 2 ) and the information associated with Ally Financial Must be removed. Ally Financial was also sent a cease and desist which also stated that they must cease and desist communication through any and all mediums including my consumer report. Ally Financial has continued to report on my consumer report as a way to extort me for money XXXX XXXX XXXX which says that the collection of extension of credit by extension is a criminal offense and any XXXX or more parties involved with the collection of an extension of credit through extortion are involved in racketeering.
Product: Student loan

I am a co-signer on my daughter 's loan. I have been in bankruptcy for 5 years, therefore the loans have been in deferment. My bankruptcy ended in XX/XX/XXXX. In XX/XX/XXXX, I began receiving bills and I submitted a consolidation for the loans. However, last month in XX/XX/XXXX they began showing up and not included in the consolidation. I began calling and e-mailing Navient. No one would explain to me that they were private loans and were not included in the consolidation. Finally, around XX/XX/XXXX I was told that they were private and they were delinquent and I had to speak with collections. When I called collections I was told that I was the co-signer on only one loan. I replied, why can I see the other 2 loans as well. I was told that they would not discuss the loans with me that my daughter had to call. My daughter called and they gave her the run around, as well as being indignant with her. I called back the next day to customer service and I was told that I could pay {$50.00} on the one loan and request a forbearance. I paid the {$50.00} on XX/XX/XXXX and the loan is still showing delinquent. I have called everyday about the loan and I have told that it take 2 to 3 business days and it will clear up tomorrow, or the next day.. As of today, XX/XX/XXXX, it is not in good standing and I am not going to file a forbearance on the other loans until this is corrected.
Product: Credit reporting or other personal consumer reports

I have 4 collection agencies trying to collect a debt that I do not owe them, they have improperly used my credit report to stifle my financial endeavors causing me to not have access to vital assistance from other parties. I never signed into any agreement with these companies and the fact that XXXX XXXX and equifax is allowing access to these third party companies to damage XXXX citizens credit reports is insane. I have disputed these reports multiple times and ask for evidence that I have a signed agreement for the debt and have received nothing but a denied removal. 

This was the statement I put in my dispute : I have no knowledge of who this collection agency is as I have never entered into any agreement to work with them, could I please be provided with evidence stating that I have signed into any agreement with this company. 

I would also like to reference these codes 15 USC 1681b 15 USC 6802 18 USC 1028a
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft, credit cards were opened in my name fraudulent. Total Card Inc ( TCI ) sold the account to XXXX XXXX XXXX, XXXX, ( XXXX ) when XXXX reached out to me I explain it was Identity Theft. On XX/XX/XXXX, XXXX investigated my dispute and closed the account for Identity Theft XXXX attached ). I received a letter from TCI on XX/XX/XXXX dated XX/XX/XXXX, that TCI did an investigation and I liable for them. I talked to XXXX, she stated the account where not in their office, they were sold to XXXX. Since TCI sold accounts and it was found I wasn't liable for them. I advised XXXX I was going to get a lawyer. Reporting false information to credit bureaus is against the law. 
On XXXX, I talked to XXXX, she advised me to send the reports to XXXX, I agreed but I informed her I was going to CFPB. 
Attached is the police report to show Identity Theft for fraudulent credit cards and unemployment claims by Officer XXXX, XXXX.
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 Account Number XXXX XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/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

Without prejudice, it has come to my attention that Experian has been reporting my transactions with persons, to my Consumer credit report. According to FCRA 15 US Code statute 1681 A 2 A, states 2. ) Exclusions. Consumer credit report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; Communication of that information among persons related by common ownership or affiliated by corporate control.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Date : XX/XX/year> Subject : Second Request for Debt Validation, Contract Assignment, Removal of Account from Credit Report, Cease and Desist, and Statutory Damages To Whom It May Concern, I am writing to you regarding the alleged debt of Portfolio Recovery Associates , LLC. This is my second attempt to request validation of this debt. According to the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), you are required to provide verification of the debt in accordance with [ 15 USC 1681 ] of the FCRA.

Specifically, I demand that the following documentation be provided within 30 days : 1. Verification of the original creditor, 2. Signed contract or agreement indicating my consent to pay the amount claimed, 3. Documentation of my wet signature acknowledging that I owe XXXX XXXX XXXX, 4. Any assignment or transfer contract proving the debt was assigned to your agency, 5. Detailed accounting of the alleged debt, including the total amount claimed, and any interest or fees applied. 

Please be advised that an itemization of charges alone does not constitute validation of this debt. 

Until this debt is properly validated, I hereby request that Portfolio Recovery Associates , LLC remove this account from my credit report, and I request all collection activities cease and desist immediately, including but not limited to phone calls, letters, and any other forms of communication. Continuing to report this unverified debt to credit reporting agencies is a direct violation of [ 15 USC 1681b and 15 USC 1681s-2 ( a ) ( 1 ) ] of the FCRA.

If validation is not provided, I demand the immediate removal of all records related to this debt from my credit reports. Failure to comply with these requests will result in statutory damages for violations of the FCRA, specifically {$1000.00} per incident of non-compliance. Any further contact outside of providing the requested validation will also be treated as harassment and dealt with accordingly. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card

I full paid the balance over {$10000.00} to Lowe's/Synchrony Bank last year to close the credit card account. That was the condition to get equity loan from Embrace Home-loan. 
The Lowe's/Synchrony Bank has never mailed the next month statement, and the following statement shows the account is open and there is {$35.00} interest from XXXX balance. 
I had called for the complaint, and the bank said they will review. However, the bank keeps ask me about paying {$35.00} for settlement. Now XXXX XXXX asks me about {$790.00} for settlement, otherwise the company will lawsuit for that.
Product: Debt collection

American Express utilizes a third party collection company known as XXXX XXXX based in XXXXXXXX XXXX. XXXXXXXX XXXXl represents to the credit card debtor that making a monthly payment to retire the entire balance due would stop any collection action and allow the credit card to be reissued after the balance is paid in full. The debt collector fails to inform the consumer that the " Charge Off '' reported by American Express will be reported each and every month you make a timely payment. The explanation by the debt collector is that each time you make a payment it reduces your balance by that amount and they report the new updated balance of the " Charge Off ''. What they fail to further disclose is that a negative payment reported as " Charge Off '' will be reported. My financial arrangement was put in place over 17 months ago and now instead of a reporting to third party credit bureaus as 1 charge off payment the negative history on the account is actually worse than when I entered into the repayment plan. This is false, deceptive and misleading to the consumer. They should not be allowed to report any further negative credit if payment arrangements are being made timely as agreed to with the debtor. I hope that CFPB reviews this matter as it is obvious the financial arrangement between the parties is not being represented properly and American Express is using a third party to avoid the regular banking rules and laws established by the United States Government.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX XXXX XXXX reporting the collection account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. 

I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.
Product: Credit card or prepaid card

On XX/XX/XXXX, and XX/XX/XXXX, I made two separate purchases using my CashApp card on XXXX plus for delivery from store. The money, {$96.00} and {$69.00} was taken out the time of purchase. Yesterday it was taken out again. When I contacted Cash App about being charged twice, they said the money was never originally taken out. Which it was on those dates it was never pending. cash app omitted that there was a glitch in the system and that they had updated the payments to reflect and everything was right with my account which it is not. Im out almost {$170.00}.
Product: Debt collection

The debt collection agency TRANSWORLD SYSTEMS has repeatedly threatened me with legal action and even sent a letter to my boyfriends moms house stating they would repossess the property that I do not have. I am not married to my boyfriend nor do his parents personally know me. They gave my full name & even my account number and not only embarrassed my boyfriend but also myself because this collection wasnt anyone elses business but my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called and submitted disputes online via mail directly and was told its a automated system after several attempts my reports remain affected violating my consumer Rights to accurate reporting
Product: Credit reporting or other personal consumer reports

My consumer report is showing information that I have not authorized even after informing all parties that I have denied authority and demanded correction. They refuse to follow the federal laws that govern them.
Product: Debt collection

Hello, My name is XXXX XXXX XXXX, Consumer. I currently reside at : XXXX  XXXX XXXX XXXX XXXX, Fl XXXX in XXXX XXXX . I am writing this because I, XXXX XXXX XXXX, Consumer, did not give XXXX, XXXX, XXXX XXXX Doing Business As Chief Executive Officer, XXXX XXXX, XXXX XXXX, Experian Information Solutions , Inc., XXXX XXXX Doing Business As Chief Executive Officer, or XXXX XXXX Doing Business As Chief Financial Officer of Experian Information Solutions , Inc., written instructions or consent to communicate with XXXX XXXX XXXX, Consumer, or any other person regarding an alleged, " Debt ''. Nor did I give WRITTEN INSTRUCTIONS to transfer, furnish or obtain my nonpublic personal information. 

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281, SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. This information is true and correct to the best of my knowledge.
Product: Credit reporting or other personal consumer reports

Why reviewing my consumer report I notice two fraudulent accounts on my consumer report. At that time I contacted the credit bureaus disputing these accounts. The credit bureaus are in violation of the following consumer laws.

1-U.S.C. 15 1681 SECTION 602 ( A ) 2-U.S.C. 15 1681 SECTION 604 ( A ) 3-U.S.C. 15 1681 e SECTION 607 Furthermore these disputes were filed over 30 days ago, and I have received no responses from them this is another violation per the F.C.R.A. AND THE F.D.C.A
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their own grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( XXXX XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.