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

I, XXXX, an XXXX XXXX, have my wife ( XXXX XXXX ) send me money every month in amounts ranging from {$3500.00} to {$5000.00} USD to my personal HSBC checking account. The originating bank XXXX sent the money XX/XX/2020. The intermediary bank ( XXXX XXXX ) processed the incoming international wire transfer that was in the amount of {$4700.00} and after taking their {$23.00} fee, sent the remaining {$4700.00} on to HSBC on XX/XX/2020. HSBC is having liquidity problems due to the XXXX bank runs in response to COVID-19 and they are making excuses on why my money is not available and straight up lying, telling me they have no record of this incoming wire transfer. When in reality, they are holding it hostage in their OFAC dept as a scummy way to try to legitimize their holding it and not releasing it to me. I have completed a similar transaction with this bank last month without issue. However, this is a huge problem as I am about to have my XXXX XXXX XXXX tomorrow morning, then I am moving to another state, and I AM A XXXX XXXX SERVICE CONNECTED XXXX XXXX  XXXX  VETERAN!!!!! I am incurring late fees where I am renting from now and am currently unemployed. I need this money and HSBC should have their charter pulled and NEVER BE ALLOWED TO DO BUSINESS IN THE USA EVER AGAIN, especially after their XXXX scheme with XXXX drug lords. I just want my money out of that bank so I can close my account and be done with them. I have tried calling them multiple times and they always say they dont know whats going on and asking for reference numbers that the consumer would never have direct access to.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : Creditor Name Account Number Balance Opening Date Status XXXX XXXX XXXX Equifax XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX ( 1 ), 60 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 INQUIRIES NOT RECOGNIZED XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX, XXXX XXXX XXXX - XX/XX/XXXX Equifax 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 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 XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX A. XXXX 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. 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 XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The following inquiries are fraud. I did not authorize them. 

Inquiry details 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 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
Product: Credit card or prepaid card

I was issued a bofa prepaid edd card in XXXX of XXXX. I was able to make a few purchases and then bofa locked my account and said i needed to have a new card reissued due to fraud. but the company wont reissue me one.i followed all the procedures the bofa wanted me to do I went to the bank twice with different documentation to prove my identity yet still they will not allow me to gain access to my accont,
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at 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 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 XXXXXXXX with a balance of {$36000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned 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 # ( private case number ) as proof from the US 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, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX to remove 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhat are UNKNOWN to me. I came across this law today and according to the XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after XXXX. Ive already included this in my previous Complaint & I am including it again.,
Product: Money transfer, virtual currency, or money service

In particular, I was defrauded by unknown persons operating through the unlicensed financial brokerage platform XXXX, which solicited me to invest substantial amount of money. All payments were made in the way of crypto-transactions to wallets nominated as beneficiary wallets by the representatives of the unlicensed financial broker. Some transfers were made through my wallet hosted by www.crypto.com.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



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

I have contacted both XXXX, XXXX XXXX and Experian and made them all aware that I was a victim of identity theft and provided them both a copy of my police report, identity theft affidavit, driver 's license, social security card and a recent bill and asked them both to act in accordance with the FCRA Section 605 ( B ), by blocking the information that I have detailed to them that was fraudulent from my credit file and they both have refused to comply with the law. I have sent both credit reporting agencies all of the aforementioned details by certified so I can prove them having received this information and I can also prove their non compliance to the FCRA that governs them, and they have neither one done anything other than treat my complaints of identity theft as a normal dispute. I have tried to contact both companies by phone as well to speak with them about their non compliance to the law concerning identity theft, but when you speak to them on the phone they tell you that there is nothing called the FCRA. The agents that work about both of these agencies are oblivious to the fact that there are laws that govern their conduct and they just try to take advantage of the victim. Sometimes when you call they will hang up on you, or they will flat out refuse to assist you in any meaningful way. <P/>These credit bureaus are not complying withe laws that govern them and they both should be sanctioned and investigated. I have simply asked them both to comply with the law and block certain fraudulent information from my credit file after having provided all of the required documents, but they refuse to abide by the law. The people that work at these companies are extremely unskilled and not familiar with the law and the rules and regulations that govern them and they in turn treat the consumer in a demeaning manner. When I have mentioned to the representatives at both Experian XXXX XXXX, and XXXX that they could be fined and sued for their unethical practices they do n't take it seriously and they will tell you then just sue us then. Is this really the way that credit reporting agencies are allowed to act in the USA? This is unethical behavior that they are displaying and I hope that The CFPB will not continue to allow them to get away with it.
Product: Mortgage

On XX/XX/XXXX I received a letter telling from XXXX XXXX stating Quicken loans would take over my account. I called Quicken loans and confirmed they would mail a bill with my new account number. On XX/XX/XXXX I received a LATE NOTICE!! This was my first correspondence from Quicken Loans. I could not pay a bill I never received! I didn't even have an account number. The 1st representative I spoke too told me they would not report to the credit bureaus, but they did!!! I also explained that we are affected by CA wildfires, and our mail has been affected.
Product: Credit card or prepaid card

In early 2019 I went through a business period where I needed to use short term credit for a while for marketing ( XXXX primarily, I XXXX XXXX XXXX ). Each time I have paid my balance down Citi has lowered the credit limit keeping me chronically at close to 100 % which continues to damage my credit score. They just did it again even though I am current and have been making payments in excess of the minimum and also paying early. When I asked them to restore the limit to the original higher amount they refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  University is a scam. I did not know this when I was trying to better myself and agreed to enroll when stalked by these predators.   I understand now the scheming ways of this " organization ''. I only attended for a few months online when I realized it was a farce and I would get nowhere with an accreditation from them. Not a real school.   The loans were already underway when I withdrew and now  XXXX  has destroyed my credit. It has been years and years. I have tried reasoning and working with them to no avail.   Even though I am now receiving benefits from Social Security and can hardly get by they will not accept my proof of benefits or work with me. They want everything I have, continue accruing interest and over  XXXX  dollars is the balance. I will continue to fight them. Please beware of these predatory schools they give you nothing and will try to take everything.
Product: Credit card or prepaid card

two cash advances were made on my Barcaly Bank credit card for {$1000.00} to XXXX XXXX XXXX. I did not make either cash payment/advances. I tried from the alleged vendor making the charges and Barclay Bank and can not get any resolution. Please see upload of information
Product: Vehicle loan or lease

i bought a XXXX with XXXX XXXX and XXXX XXXX as the loan company. They told me in able to get the loan i had to sign to get gap insurance so i did i know im a little slow and stupid but when the company went bankrupt they transfered our loans to westlake financial and they informed me of a credit of XXXX for the gap ins that was isued to them when the company transferred the loan westlake has told me that they dont know anything about it and that there is missing paperwork in my file i asked them to refund me the XXXX but they dont know or dont want to because they said they can not refund it to me but they can apply a credit but i was never informed of this change.i spoke with mr XXXX from westlake financial
Product: Credit reporting, credit repair services, or other personal consumer reports

Curious about my credit score, I obtained a copy of my credit report. Upon examination of the report, I noticed that there were some inaccurate items that should not be there. 

After sending certified, return receipt letters on XX/XX/18 ( which were received on XX/XX/18 ), reporting that there were inaccuracies on my credit report from XXXX XXXX XXXX XXXX, account # : XXXX, claiming that I owe {$6500.00}, I requested that I would like some type of verification bearing my signature to verify the debt. I never received any type of verification of any kind. All that was sent to me was a letter saying that the supposed debt had been verified and that it was accurate according to them. 

Waiting over 30 days ( which is how long that is legally allowed to verify any disputes ), I then sent another letter on XX/XX/18, which was received on XX/XX/18 ( again, certified with return receipt ), stating that I had still not received verification of any kind, let alone any type of verification that was bearing my signature, as I had requested. Upon checking my credit report, the non-verified, inaccurate item is still on my credit report, causing a negative effect on my credit score, as well as public humiliation throughout my local community. Since no verification of any kind has ever been sent to me or provided, I am seeking that this particular inaccurate claim is removed immediately.

Not only has no information bearing my signature ever been provided when requested, but is also Violations of the Fair Credit Reporting Act - including but not limited to Section 611, such as : -FCRA, Section 611 ( a ) ( 1 ) ( A ) -FCRA, Section 611 ( a ) ( 6 ) and ( 7 ) Depending upon how this matter is handled, I will also be detailing any potential issues via an online public press release, including any documentation of potential small claims action.
Product: Payday loan, title loan, or personal loan

I was given a loan with OneMain which they secured with my XXXX XXXX XXXX XXXX XXXX Title. They valued the truck engine at {$13000.00} and added {$3000.00} for insurance. This loan was secured at the start of the pandemic in early XXXX. I have been unable to pay and the local office was aware. They recently obtained an outrageous judgement of over {$21000.00} yet will not release my title to me so I can attempt to sell the truck and reduce the amount owed. I was attempting to fight this in court but my witness was ill. I would like an opportunity to try to sell the truck or suggest they sell. Their comment, through attorney, was we dont hold collateral.
Product: Debt collection

I had lived in XXXX XXXX XXXX, an apartment complex named " XXXX XXXX '' for XX/XX/XXXXyear starting XX/XX/XXXX to XX/XX/XXXX. 

I had signed the lease with my dad 's name, since I was a XX/XX/XXXXt. We had never missed a payment and was on the verge of leaving to another establishment in XX/XX/XXXX. When we told the apartment management that we are moving, they notified us that we had not given ouXX/XX/XXXX notice. 
So the lady notified that it was fine. However, on our departure, we were mailed a letter. Stating that our security deposit had been forfeited and there was another extra month of rent being charged. There was no reason stating why we were being charged for an extra month of rent. But the cost was not even our rent. It was {$920.00}, which was about {$130.00} cheaper than our normal rent of {$1000.00}. I assumed it was due to theXX/XX/XXXX notice. As a result, I decided to look back at our lease. The lease stated that " release of the security deposit is subject to following provision '', and under it was failure to notify of leave within XX/XX/XXXX. So I again assumed that we were being charged for something that was not on our lease. 

After moving out, I went back to the old apartment complex and decided to see what was happening. This was before theXX/XX/XXXX that the apartment complex had given us to dispute it. I went in, and one of the worker stated that their manager was not here and told me to leave a phone number. I did, but there was no call received. So then the collection was sent to a collecting agency. Of which who we called. The man decided to say that " they can do whatever they want '' and " it does not have to say in the lease ''. The man at this firm stated that I was attacking them, when I was solely stating the fact that " hey the lease says only the security deposit will be forfeited ''. The guy stated over the phone " Your credit will be destroyed, and you'll have to live with bad credit '' and repeated such statement in similar manner multiple times before hanging up the phone. We kept getting collection mails from the company. 

So after the first letter, a dispute letter was sent to the collection agency WITHIN XX/XX/XXXX, but nothing was done about it. It explained the situation as a whole and what we wanted to do about it. I have the receipt of the XXXX document that I have sent to the collection agency of the dispute letter, XX/XX/XXXX letters to be exact. One in the name of my father and one in my name. The letter explained the situation and stated that we were in no fault of the collection. 

Now the collection agency has placed the debt on our credit records as adverse credit.
Product: Debt collection

I received several letters in the mail inquiring on medical debt owed. There was not enough information on the statements verifying that these were accurate. Attached are the reference numbers and amounts owed with dates. I started a new job on XX/XX/XXXX and there was a lapse in my insurance. I found out I was XXXX  and got several XXXXXXXX XXXX done, but those were paid. I had to get emergency XXXX on XX/XX/XXXX and I believe the {$510.00} bill is part of that but I am set up with an automatic debit of {$44.00} for that. I also have a {$7000.00} bill through XXXX XXXX for the remaining costs of the XXXX and am set up with an automated debit of $ XXXX. 
. 
Reference XXXX XXXX XXXX XX/XX/XXXX {$190.00} ( I was fully covered under my insurance through XXXX in XX/XX/XXXX ). 
Reference XXXX XXXX XXXX XXXX XX/XX/XXXX {$56.00} ( I believe these were XXXX XXXX XXXX and these were all paid ) Reference XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$37.00} ( I believe these were XXXX XXXX XXXX and these were all paid ) Reference XXXX XXXX XXXX XXXX  XX/XX/XXXX {$24.00} ( I believe these were XXXX XXXX XXXX and these were all paid ) Reference XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX {$33.00} ( I believe these were XXXX XXXX XXXX and these were all paid ) Reference XXXX XXXX XXXX XXXX XX/XX/XXXX {$510.00} ( If this is through XXXX I have applied for the financial assistance program through the XXXX XXXX and they agreed to pay 60 % of the bill. An automated debit comes out of my account on the XXXX of every month for {$44.00} ).
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because i was a victim of the Equifax data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was released after doing time in XXXX on XX/XX/XXXX. While I was there someone used my credit file to get a credit card, a cell phone, and utilities. On XX/XX/XXXX I filed a police report, contacted the companies that the accounts were opened and the credit bureaus. The accounts were taken off but the inquiries remain. The suspect is in custody and I have gotten letters from every single inquirer saying they instructed Equifax to remove, mask or suppress the unauthorized inquiries, however Equifax is still reporting this. 

I have submitted papers from my XXXX XXXX, my release paperwork, the police report, and letters from the companies saying that it is supposed to be deleted and Equifax continually ignores this. The only response I get is an automated response telling me to dispute the inquiry with the creditor, even though I have and the creditor has given me the information I am providing to Equifax. Just like the letter enclosed. Once they even sent me information asking me to verify my identity. How is it that Equifax lets anyone pull my credit report without proof I authorized it, without proof of my signature and without proof that they had a permissible purpose in complete violation of the law and I cant get a copy of my own credit report with proving that I am in fact me and I have a permissible purpose ( i.e. looking for a job ). 

This company first aids identity thieves with this practice, not only that they show utter disregard for the laws of this great land, and are complete violation they have cost me several opportunities and all I can ever get from them in response is a form letter talking about what inquiries are. Please someone enforce the law. You can report anything you know to be inaccurate or authorized, Equifax feels that it does not have to follow the law.