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

I have an app and an account with MoneyGram. I routinely try to send money to people in another country. Recently including today and yesterday and every day for the last XXXX weeks I try to access the app and my account online through a web browser. Apparently the app malfunctions and closes upon opening and when I use the web browser it doesn't recognize my login credentials and it won't reset the password. I've contacted customer support about this issue and they seem to be aware of the issue but they do nothing about it and they claim that they have no date when they can tell me that anything will be done to remediate the problem. There are multiple complaints about the same issue on the internet and on the XXXX XXXX store when you look up the app. It seems to me that the website has been compromised by hackers and that they're not reporting it to the authorities appropriately. I get messages from my antivirus software every time I navigate to the website that tells me that the website is hosting malicious software and has otherwise been compromised but the company is willfully concealing this information and continuing to advertise its services as safe and reliable and with my experience that's completely false. Their advertising and their public promotions are completely false and misleading due to the fact that they apparently have non-functional apps and non-functional websites furthermore I believe that's because they've been hacked and that they don't want to reveal that information to the public or to the appropriate agencies. Their services extremely unreliable and the company is dishonest and it's dealings with the public. At the present time the company is incapable of providing the services in the manner advertised to the public. They're advertising services to the public that they are incapable of providing and their app is not functional and their website seems to be compromised and they don't want to take any action to remediate the situation or warn the public of the dangers of conducting business with them through their website and the fact that they are not reliable and they are not secure contrary to their representations in their advertising and marketing materials to the public. They're not easy to deal with it's extremely hard to find a route to customer support where there's any meaningful support other than a canned reply that doesn't apply to the problems that are being complained about.
Product: Credit reporting or other personal consumer reports

The existence of this account has caused me significant distress, to the point where it is affecting my XXXX XXXX XXXX. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information currently reported on my credit file. Under my rights granted by the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), I hereby request an immediate investigation and removal of the following erroneous accounts and inquiries from my credit report. 

Please be advised that this is my second attempt to resolve this matter, and I expect full compliance with applicable federal regulations within five ( 5 ) business days. 

Accounts to Be Removed : XXXX XXXX XXXX XXXX : {$610.00} XXXX XXXX XXXX XXXX : {$4100.00} XXXX XXXX XXXX Balance : {$830.00} XXXX XXXX XXXX Balance : {$1400.00} I appreciate your prompt attention to this matter and request a written confirmation of the actions taken to correct my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Received a letter from the company that my collection will be removed from the credit bureaus once agreed upon payment. The letter also states that we have a agreement, not only do we have a agreement. The company Convergent Outsourcing has inaccurate information reporting to all credit bureaus. It states my collection was open on XX/XX/2018 on two accounts but on the third one it reports totally different. I disputed this information twice to the creditor and it still remains present. Also, I noticed that several others have had the same complaint with the same creditor reporting inaccurate information. This shows that they aren't to be truthful. Furthermore, the integrity of this company speaks volume when promising deletion and never being deleted. In my attachments you will see XXXX XXXX XXXX attachments to solidify my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three of the CRAs TransUnion, XXXX, and XXXX are in violation of USC 15 1681 ( a ) ( 4 ) " infringed Upon a Consumer 's right to privacy '' and 15 USC 1681b ( a ) ( 2 ) " No permissible purpose/No written instruction. On XX/XX/2022 I sent a letter to all three CRAs requesting to remove a bankruptcy reporting on my consumer reports. They all ignored my request and still continue to violate the laws by reporting this bankruptcy on my consumer reports still. I am notifying them this one last time before bring this to the court system. These companies irresponsible actions is causing damages to my character and I plan to seek maximum allowed remedy allow by the law.
Product: Debt collection

I noticed on my credit report there was a new derogatory mark added to collections from Phoenix Financial Servic. Phoenix Financial Servic has not contacted me in anyway to inform me about this debt that is owed. This debt was reported on XX/XX/2019, and was opened XX/XX/2019. The amount due to this collection agency is {$1400.00}.
Product: Debt collection

I have sent several letters to the credit bureau and XXXX, the company who keeps sending collection letters and this account is also on my credit file but I never had a Credit card from XXXX. I shouldnt be liable for a debt that I didnt make.The balance is {$1900.00}
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX  to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$8100.00} XXXX XXXX Balance : {$8000.00}
Product: Debt collection

I checked my credit and notice a debt that I didnt owe or never submitted an application to this company. I also never authorized anyone to use my identity to apply for any credit.
Product: Debt collection

I have written 5 Letters, directly-indirectly, requesting Medical Data Systems ( MDS ) dba Medical Revenue Service remove themselves from my Credit Reports. I have never done business with this Company. 
They have refused and as a result have damaged by credit worthiness and I have not been able to obtain employment. 

This Company, MDS, obtained and sent me medical records that contained my confidential Social Security Number, Drivers License, and Medical Tests that I had no knowledge of, nor did not I authorize ; this is IDENTITY THIEF ; and is also a direct violation of HIPAA Federal Laws.

MDS placed 3-years old improper medical exams that they were not a Party to nor had a business relationship with on my Credit File.

They completely ignored Federal Regulations? They should be held accountable for these numerous Federal violations.
Product: Credit card or prepaid card

Chase bank refuses to reverse a completely fraudulent charge from XXXX that was not authorized by me. I have contacted both Chase and XXXX to solve the matter amicably but they both refuse to reverse the charge that was billed fraudulently. I informed both Chase and XXXX that my computer had been accessed without my knowledge and billed as my XXXX and credit card credentials are saved in my computer. My personal computer had a series of new browser history in which I had not searched, websites I had not visited, and numerous other indications that someone had been using my computer. XXXX is taking advantage of the matter by agreeing that it was a fraudulent charge but keeping the money regardless. 

They stated the following : " My name is XXXX and I work here at XXXX. 

Thank you for reaching out although I'm sorry to hear about this situation. 

We are also unable to intervene when credentials ( ex : device ) and/or accounts are shared, so we are unable to mediate or assist with this dispute. '' Chase Sapphire Preferred has been equally unhelpful stating that XXXX  has supplied evidence of the charge : " My IP address, ID, and email '' .... after I had already informed them that all the aforementioned is accessible from my computer as XXXX has a copy of my driver 's licence saved as a verified user and there is a copy of my driver 's licence my computer, my computer was used ( IP address match ), and the login to my email and XXXX is saved and so is my credit card for quick checkout. I have spoken to several representatives who are snarky, condescending, and smug. 

The following is information regarding the fraudulent charge. 

Confirmation code XXXX Total cost {$1900.00} FRI, XX/XX/XXXX MON, XX/XX/XXXX My card type : Chase Sapphire Preferred If the matter is not resolved I am planing on legal action. I am also filing a police report. I will be closing all accounts with Chase, XXXX, and prompting all of my family members to do the same.
Product: Credit card or prepaid card

Four Visa prepaid debit cards were purchased for my personal use at XXXX grocery store around XX/XX/2022. Each card was initially loaded with {$500.00}. Shortly after purchase I registered and activated the cards at XXXX At or around XX/XX/XXXX I tried to use the cards at XXXX and the cards did not work. At this time I called the number on the back of the card and spoke to a representative. The customer service representative said that the card was potentially compromised and a new card would be issued. I verified my personal information including address with the rep and she said a new card would be sent out and arrive within 1-2 weeks. I repeated this process for all 4 cards. 

The four replacement cards never arrived after 3-4 weeks, so I called in again. The rep said that the cards may have been lost in the mail and that new replacement cards would be sent again. Again I had to make this same call four separate times for each card. 

After another 3-4 weeks passed, I had yet to receive any of the cards so I called in again. The rep again said the cards might have been lost in the mail and that she would need to replace a second time. At this point I did not believe these cards were lost in the mail as the likelihood of this happening 8 times is extremely small. On all four separate calls with customer service support I asked to speak to a supervisor - and all four times I was told they were either on break or busy with another customer. The rep each time assured me this would not happen again and processed a replacement for me. I had to repeat this phone call 4 times ( they can't process more than one card at a time ) Amazingly, after another 3-4 weeks these cards again never arrived. At this point my frustration is through the roof and I called about 2 of the cards. The rep for each card said that it would be best to change my address on file to see if the cards will arrive at a new address. For these two cards I updated my address to a XXXX box I own. I received a change of address form in the mail but after 3-4 weeks the replacement cards still haven't shown up. 

Over 3 months have passed since the original purchase of the 4 {$500.00} cards and I've attempted to replace 2 of the cards 4 separate times and the other 2 cards 3 different times and nothing is working. I believe I have gone above and beyond to attempt to resolve this with the company and I would appreciate any help to resolve this matter. 

I can provide all card # 's when necessary. I still have they original 4 physical cards in my possession. Ultimately I would either like these cards activated so that I can use or 4 new cards to be actually sent to me.
Product: Checking or savings account

On XX/XX/2023 I started receiving emails from Bank of America that a checking account application was approved, in progress, welcome to online banking, arrival of a digital debit card and even a money transfer notification in the amount of {$750.00}. I forwarded all those emails to bank of America fraud department @ XXXX. I never received a response. I called the bank and told them I never opened this account and that the name on the account isn't even my current legal name. I was told that the account was flagged and never opened because they never received my identification. I told them that's incorrect because I got an email advising not only was the account opened, but money was being sent to multiple people through XXXX and I even received a debit card in the mail. I was transferred to their fraud department and told they were closing the accounts and starting a claim and that I am not liable for anything, and they were going to send me a letter that I can forward to the credit buraus informing them that this account was fraudulently opened. I provided my email, but never received the letter. The only letter they sent was a letter stating my account was closed and they were reporting it to the check system - nothing in the letter mentions the fraud that occurred, and it even says that this may make this harder for me to open a new bank account? A week later on XX/XX/2023 I received a bank statement That shows the account was opened without any real identification and multiple XXXX transfers occurred on XX/XX/2023 and even an external transfer fee.
Product: Student loan

I owe almost XXXX in student loans. The original balance was XXXX and when I filed for bankruptcy, I was granted deferred payment back in XXXX. Unfortunately, my employment having been on and off, the loan balance had accumulated to almost XXXX when I resumed payment in XXXX. 

I am asking for partial loan forgiveness. I am willing to pay the original XXXX. In addition, the interest rate is 9 % on the loan. I am XXXX  years of age and have to delay retirement indefinitely because I can not afford to make the payment and make a living from social security income. 

I need help. I would appreciate any advice you may have. 

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

In accordance to the Fair Credit Reporting act the companies listed below have violated my rights. 

XXXX & XXXX  Account number XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX XXXX XXXX  XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX  Account number XXXX XXXX XXXXXXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX Account number XXXX XXXX XXXX XXXX & XXXX  Account number XXXX XXXX 

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.
Product: Credit reporting or other personal consumer reports

Upon review of my updated consumer disclosure report, I noticed that the very same inaccurate accounts I disputed initially in detail are still being reported in my consumer report. As it stands, these accounts remain both inaccurate and incomplete. 
EXPERIAN INFORMATION SOLUTIONS, this agency is in violation of the Fair Credit Reporting Act. This agency is in violation of 15 USC 15 USC 1681i. In EXPERIANS response to my dispute, it claimed that the accounts XXXX  Account Number : XXXX, XXXX  Account Number : XXXX, and XXXX XXXX XXXX Account Number : XXXX was updated which is an implication that changes were made to the accounts. What exactly was updated? The same inaccuracies persist on the accounts that were initially disputed. The reporting of these accounts is violations of 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT 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 to whom the report relates.
Product: Money transfer, virtual currency, or money service

XXXX - XX/XX/XXXX - I submitted a {$6000.00} wire transfer from my HSBC account to my brother in XXXX. the wire was to my brother 's HSBC account which is in US Dollar. I have submitted a wire transfer previously from the exact same account in HSBC in XX/XX/XXXX and it was received by my brother HSBC account in Us Dollars. 

XX/XX/XXXX - My brother called me and said the money is sent in Eqyptian pound, and they won't give him US Dollar as they did on XXXX XXXX XXXX XXXX. I called back the bank and told the representative that money is sent in Eqyptian pound instead of US Dollar and it should have been sent in US Dollar ( my back account is US Dollar and by brother 's account is in US Dollar ). Also, back in XX/XX/XXXX had sent another wire and there was no issue with that. My brother received the money in US Dollar. The representative suggested that it best to recall the wire and then resend it back. I said OK, and she said she'll open a recall request and it would be processed and money should be returned to my account within 4-5 days. 

XXXX XXXX Money was not back in my account I got worried so I called back XXXX customer service. Spoke to a manager and went over the same thing with her ( we were on the phone for about almost 2 hours ), we requested the issue to be escalated and requested result by the XX/XX/XXXX. We did not get a call back until Friday XX/XX/XXXX... got a XXXX and I called again back Monday XX/XX/XXXX and left voicemail. 

XXXX  - Spoke to XXXX which was a manager, again went over the same process. We again explained what happen but this time the manager said that the only way to receive my money back is to accept the conversion rate between Egyptian pound to a dollar which was news to me. I have sent the money in US dollars to an account in US dollars and I have done this previously how come they money turned to Egyptian pound. And XXXX stated the conversion happens automatically which doesn't make any sense because as a customer we should have the choice to send the money how we want it ... this is how it is with the other banks. XXXX stated now there will be conversion fees applied etc. And now customer service decided to come up with a new sneaky way to blame me for sending the money in Egyptian pound which has not happened because I have previously sent the money in XXXX and it was received in Us Dollars. It is getting very frustrated I have been lied to by the XXXX customer service saying that my money will be recalled in 4-5 business days but till today I did not receive my money. They keep bouncing me around from one agent to another with no help. I am getting very desperate and scared for my money and I need help. 
It's insane that how long it's taking HSB to resolve the issue and the money is not in the account. HSBC should not be be able to decide on my behalf how the money should be sent to another party, it's my choice. I have the receiver 's account setup in US Dollar and it should be received by them in US Dollar. Our claim # with them is XXXX
Product: Payday loan, title loan, or personal loan

Talked with western finance last month before the due date and told them I was having some money issues and I would take care of it as soon as I can. That day was XX/XX/2019. Today is the XXXX  XXXX. They came out at XXXX. Asking for payment and I already called and told them I would take care of it soon. They want me to call everyday and my phone is not working. I was in a car accident 2 and a half years ago and I'm waiting for my settlement. I've tried to work with them but they come by the house. And they want me to call everyday. I've done my part. I want them to stop harassing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has ignored and caused intentional harm to me personally with the accusations listed on my report from a fraudulent company. 

Source : https : //studentaid.gov/announcements-events/dream-center The U.S. Department of Education ( ED ) issued a letter on XXXX XXXX, 2019, to the federal receiverwho has control of XXXX and its financesand the chairman of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which owns XXXX. The letter informs the receiver and XXXX that ED has denied the pending application for the change in ownership and the related request to convert XXXX from a for-profit to a nonprofit institution for the purpose of participating in the federal student aid programs. ED took this step because XXXX does not meet certain standards, including administrative capability, financial responsibility, and the institutions duty to use federal student aid program funds only for their intended purpose. XXXX  failure to pay credit balance refunds owed to its students and parents demonstrates that XXXX can not meet the required standards. 

This denial decision applies only to the following institutions owned by XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX University XXXX XXXX ( XXXX XXXX  ) XXXX XXXX, CA XXXX University XXXX XXXX XXXX XXXX California XXXX XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX Last reported : XX/XX/XXXX {$560.00} I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX