23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX is billing me for tests already paid for by my insurance company. XXXX XXXX is a tier 1 HMO provider for my insurance company. They have been paid, but continue to harass me with bills. I have no deductible or co-pay with my insurance. Now Quest Diagnostics have turned me in to a collection agency ( Credit Control , LLC of XXXX MO-Account # XXXX ), and have billed my credit card {$100.00} without my permission. I have mailed them EOB 's from my insurance company and they have been FAXED to them as well. Hours on hold with their phone support. Staff at XXXX XXXX facilities refuse to answer any billing questions at their local facility, hours of wait on hold if you try to call them. I have used XXXX customer service portal and the only response from them is a form letter in email.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XXXX XXXX,2018 withdrawn {$3000.00} I dont know who withdrawn
Product: Consumer Loan

I needed to borrow some money to pay some bills that were due and I did n't have enough money to pay them. I contacted several different loan companies but no one would loan me any money. Big Picture Loans said I could get a loan.. 

I signed the contract by e signature. At the time I did n't know I was going to have to pay back not just the {$500.00} but a total of $ XXXX.That is a total of {$2600.00} plus the {$500.00} I borrowed. I called them and they told me I had to pay the {$250.00} a month until the loan was paid off. 

I do n't mind paying a finance charge on the money I borrowed, but to pay over {$2600.00}. I do n't have that kind of money. I am on a fixed income ( Social Security ) I just ca n't pay that kind of money back. This should be against the law. 

Thank You,
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to express my concern about the inclusion of unauthorized accounts on my credit report, which appear to be the result of a data breach. These accounts do not belong to me and are negatively impacting my credit profile. 

Given the rising frequency of data breaches compromising personal information, its critical that credit reporting agencies implement robust measures to ensure consumer credit reports accurately reflect only legitimate accounts.
Product: Money transfer, virtual currency, or money service

Hello, I am filing a complain against Moneygram money transfer services. I have used Moneygram in the past using a live agent to transfer money, and never had any issue. On XX/XX/XXXX I tried sending money using Moneygram online service but the transaction was declined. I had called the customer service for help, and they asked to try again, and again it was declined. On XX/XX/XXXX, I decided to go to an agent to send the money, but could n't do so - the transaction was declined there as well. I then called the Moneygram customer service, and they told me that I can no longer use Moneygram to send money, and I should use other service - they did not provide me with any reasoning on why I can not use Moneygram service. And the customer service representative was extremely rude on the phone and not willing to answer any of my questions.
On XX/XX/XXXX, I checked my bank statement, and noticed that {$2500.00} was deducted from my checking account by Moneygram. I called Moneygram right away to find out why the money was taken out of my account, first, they denied it. I then sent them with a screenshot of my bank statement as a proof that money was taken out of my account. They would n't talk to me on the phone. They are extremely rude over emails. They take money out of my account without my knowledge - this is unacceptable! Also, when I call the customer service to find out when I can get my money back into my account, they said within 72 hours. But, when I emailed XXXX XXXX, they told me it could take 10-12 days to get my refund. I am hearing two different things from the same company. And the customer service and support teams are extremely rude over emails and phone.
At this point, I will no longer be using Moneygram for transferring money, but I need my money back into my account. I am getting very frustrated dealing with Moneygram. I have been emailing them since XX/XX/XXXX and they are not responding well to any of my inquiries. I have never experienced this before. I work for a XXXX XXXX XXXX XXXXy, and I know how important it is to hold your reputation and your consumers trust. I am really disappointed to say that Moneygram does n't hold any of these values. They do n't respect their customer and do n't care to provide them with a valid reasoning as to why someone can not use their service. I still do n't know why I can no longer use Moneygram service I need your help to get my money back from Moneygram. {$2500.00} is a lot of money and I need this money back into my account as soon as possible.
Please help.
Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 

XXXX XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$370.00} ; XXXX XXXXXXXX Balance : {$290.00} ; XXXX XXXX XXXX Balance : {$810.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX Balance : {$640.00} ; XXXX XXXX Balance : {$350.00}.
Product: Checking or savings account

At XXXX on XX/XX/XXXX, I saw online at XXXX that three fraudulent checks were posted pending on my business account ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX, XXXX, XXXX ) of Bank of America, Account No. XXXX. Check no. XXXX was dated XX/XX/XXXX for {$1800.00} paid to the order of XXXX XXXX XXXX XXXX and was stamped XX/XX/XXXX XXXX on the back [ Exhibit 1 ]. It was cashed at XXXX XXXX XXXX Bank of America ( Police report XXXX XXXX XXXX XXXX at XXXX Police Department ). Pending checks were : # XXXX dated XX/XX/XXXX for the amount of {$2400.00} paid tothe order of XXXX XXXX XXXX XXXX stamped XX/XX/XXXX XXXX on the back, and check # XXXX dated XX/XX/XXXX paid to the order of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX of {$3200.00}. Check XXXX was paid to the order of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX ( we never heard of that name ) [ Exhibit No.2 ]. We had the physical checks of those numbers in our office [ Exhibit No.3 ] and it was obvious that those were fraudulent checks. Somebody printed the check and forged the signature with the intent to steal, and cashed it. I called the Bank of America right away, and they told me to wait 45-60 days. We stopped payment on XX/XX/XXXX on check numbers XXXX [ Exhibit No.2 ]. I was not advised of reporting to the police. I trusted that the bank would contact the person who cashed and revert the fund. 80 days later on XX/XX/XXXX, I received a mail from the Bank of America that they have closed the case, that they concluded that I authorized those checks, and the temporary credit of {$5700.00} will be reversed on XX/XX/XXXX [ Exhibit No.4 ] Only then I realized the bank was negligent in investigating the case, so I reported to the police ( Police report XXXX XXXX XXXX XXXX at XXXX Police Department ) and called the Bank of America immediately and appealed the case. But today on XX/XX/XXXX, when I called the Bank, the bank said that they reconsidered the case but concluded again that I authorized the check and they would take the credit back. Due to the obvious negligence of the bank to protect its customers from fraud, we lost {$7500.00}. We are 100 % sure those checks were fraudulent and we have the physical blank checks with those numbers that have not been used. The bank should have investigated those criminals ( or victims of criminals ) who cashed the checks, and taken the fund from other bank or individual and returned it to me, but they have not done so for 90 days. When I asked them to send me the details of investigation, the bank failed to give me any information on the alleged investigation. The bank failed to take due diligence to investigate in good faith. Please investigate this case and return my hard earned money so that I can pay my employees suffering from pandemic, or refer us to any government agency that can protect its citizens from criminal theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

A creditor is reporting on my credit report late payments every month from XX/XX/2021 to now XX/XX/2021. In XX/XX/2021 that reported an on time payment. I pay my bills on time every month and need these negative accusations removed from my credit report. I have not heard anything from this creditor or had a current bill that said i was late or that I owed money.
Product: Mortgage

My mortgage with Mr Cooper ( a.k.a. Nationstar Mortgage ) has yet to receive a 1098 for 2021. My loan # is XXXX. I have contacted their customer service call center numerous times and had three " cases '' opened to request the 1098, all without successful resolution. The case numbers were XXXX, XXXX, and XXXX. As of XX/XX/XXXX, neither the mortgage portal shows my 1098 nor have I received one via USPS mail. To be explicit, the missing 1098 from loan # XXXX should include interest for about XX/XX/2021- XX/XX/2021. The loan was then refinanced and I received a XXXX for the new mortgage, but not yet for this prior one. As I have reached out multiple times, the interest amount is over the {$600.00} IRS requirement, and Mr Cooper is still unable to produce the required document, I request assistance in resolving this. This is not the first issue I've had with Mr Cooper and it is sad that I have now opened up three CFPB complaints to try and resolve simple issues that Mr Cooper 's support process seems unable or is unwilling to resolve. These have not been weird esoteric issues, so it is surprising that an organization has such issues in processing the seemingly simple requirements of being a mortgage servicer.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX  XXXX XXXX BALANCED {$760.00} XXXX XXXX XXXX BALANCED {$0.00} XXXX  XXXX BALANCED {$0.00} XXXX XXXX BALANCED {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NV, XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, 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. 

XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX VA XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account, 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. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX UT XXXX ( XXXX ) XXXX In accordance with the Fair Credit Reporting act XXXX XXXX  Account, 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. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX, XXXX GA XXXX In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account, 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. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TN XXXX ( XXXX ) XXXX On behalf of XXXX XXXX for 30 In accordance with the Fair Credit Reporting act XXXX Account, 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.
Product: Debt collection

Received a collection attempt from a XXXX Hospital. I have never been to a XXXX Hospital. 
Dated XXXX/XXXX/17 Have no idea what they are talking about. 
Submitting this to XXXX also. 
Frost-Arnett is attempting to collect a debt not owed.
Product: Checking or savings account

On Sunday XX/XX/2021 I noted a new account being opened connected to my US Bank while viewing accounts online. I immediately contacted US Bank fraud number and reported the event. My account was locked pending affidavit of fraud. On XX/XX/2021 I withdrew much of the money in checking and moved it to a different bank and have been changing auto draft instructions for bills paid with automatic withdrawal. 

The account was opened with my name minus the suffix " XXXX '' which is on the main account, plus home address and social security account. 

I was victim of identity theft on year ago when an emergency business loan for {$9800.00} was obtained from the SBA with information off a data breach. That crime is under investigation for the past nine months. 

My credit has been locked for the past 9 months.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX & XXXX and XXXX XXXX XXXX Acct # XXXX and Experian, XXXX 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 credit reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

Simple Bank ( an online bank ) was acquired by BBVA USA. On XX/XX/XXXX, BBVA converted all Simple accounts to BBVA accounts.

During this conversion, the bank encountered system errors and I ( and many other ) users were prevented from logging into their system to complete the conversion.

I have been unable to discern the correct path to regain access to my money. The bank ( BBVAUSA ) has not informed impacted members on how to gain access to their money. 

Their callcenters are not answering phones. I want to close the account but I can't do that without any access.
Product: Debt collection

This debt was paid to the origional creditor in full balance of {$160.00} by phone. This company will not remove themselves from credit report, they are illegally trying to collect ... ..
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/2021 about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 60 days. I feel as though I'm being used and that my complaints are being ignored. It has been over 60 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX has sent my private payment information to the credit bureaus with out my consent violating my privacy rights as a consumer. It states in the 15USC 1681 ( a ) ( 4 ) and ( b ) that consumer reporting agencies should exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy, ( b ) and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. The credit bureaus should not be allowed to add my private payment information to any report sent by a creditor who is also violating my privacy rights by sharing my information without my consent. Therefore I demand that this account be removed immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been a victim of identity theft. XXXX XXXX XXXX i checked my XXXX XXXX account and noticed there were hard inquiries that i did not authorize on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I 've contacted Equifax and XXXX as well as XXXX XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX and XXXX XXXX in regards to these ( 6 ) inquiries being disputed for removal multiple times. I also filed a police report and placed a fraud alert on my accounts. I was advised these inquiries would be removed after contacting the aforementioned companies. It has been 30 days since the date of the inital dispute and neither credit reporting agency has resolved this matter and are in fact now stating that these inquiries will not be removed in order to maintain records. In addition to this negatively impacting my credit score it has caused closure of 3 of my existing credit cards at which i was a loyal and responsible customer which were otherwise in good standing because of the issue being unresolved ( multiple inquires that were fraudulent are ruining my credibility. ) They have had many security breeches and the company website said that I was impacted by this. I do not want to sign up for any credit monitoring service they offer I just want these unauthorized inquiries removed as soon as possible.
Product: Mortgage

An XXXX XXXX payment delay started under lender # XXXX. Mortgage years later was sild to lender # XXXX ( Rushmore Services ). At the emd of the XXXX XXXX. I was told by lender # XXXX that I had to pay entire amount postponed of $ XXXX ... which was never communicated. They forced me to modify my loan which brought me up to date, but increased my interest rate. I was forced to give in. After losing job last year lender # XXXX offered me a Forbearance, this time I made sure I understood ALL of the checks and balances when on a recorded line they said when this Forbearance is over XX/XX/year>, you will owe the total Forbearance amount of {$6000.00}. Today they said I owe {$12000.00} or have to modify loan again!
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I have no information on this matter, and the company acted without my permission.
Product: Vehicle loan or lease

XX/XX/2002 From : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX XXXX Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of an unauthorized and fraudulent creditinquirywhich is being reported by XXXX, XXXX and/or XXXX on my credit report. My latest credit report shows an inquiry from your firm creditthat  I did not authorize. I suspect fraud, and have reported this incident at IdentityTheft.gov, Consumer Financial Protection Bureau, and the XXXX XXXX XXXX. 
Please havethese/thisunapprovedinquiries/inquiryremoved from my credit report within 30 days, as it is harming my ability to obtain new credit. Please contact me immediately if you require any additional information regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX XXXX, XXXX.
Product: Credit card or prepaid card

Chase Sapphire XXXX advertises XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX I filed a claim 2 months ago over a Trip Delay caused by weather on a flight I purchased through Chase. 
Our first flight from XXXX to XXXX XXXX was delayed due to inclement weather. This caused us to miss our connecting flight from XXXX to XXXX, which caused us to stay in XXXX center with a friend. XXXX XXXX rebooked us on the next flight to XXXX the next morning. Because of flight delay, I called a Chase travel advisor who said I could pick up my rental car at a new time, any time before XXXX on XX/XX/XXXX at the same location in XXXX XXXX When we arrived to XXXX, we arrived at XXXX to XXXX but it was closed, and the signage said it closed at XXXX. XXXX would not answer their phone number, which the Chase travel advisor had given me. We were forced to book a hotel for the night in XXXX. We were forced to cancel our XXXX reservation because a new Chase travel advisor said we could not pick up the car the next day, so we had to rebook at a higher rate. 
I explained all of this in the claim, including the proof of purchases and amounts. The Card Benefits Services used by Chase has had horrible service. After 2 months of processing, they denied most of my claim. I tried speaking with a representative multiple times yesterday and today ( XXXX and XXXX of XXXX ). They are either hanging up on me on purpose, or their phone service is severely congested, to where every time I call, the call drops within 5-10 minutes. It is impossible to get anywhere if the call continues to drop. 
On top of this, the representatives have been rude and give me conflicting information, changing their explanation for why my claim has been denied. Every time I ask for a supervisor, the call drops.