23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I had a mortgage with Nationstar Mortgage that I refinanced with another lender on XXXX XXXX. Nationstar managed an escrow account for this mortgage, but has failed to return its balance to me. I 've called the company at least three times, most recently today, to understand what is going on without success. 
I 've spent hours on the phone with Nationstar only to receive inconsistent responses, making me question whether Nationstar intends to refund the escrow in a timely manner. Nationstar representatives claim that they used the escrow to pay taxes due to XXXX XXXX ( FL ) in XXXX. However, representatives at the county tax office as recently as today ( XXXX ) indicate that they have not received this payment ; they have, however, received the property taxes sent by my current mortgage servicer. 
Nationstar insists that it sent the payment on XXXX and that XXXX received it on XXXX XXXX and that XXXX will ultimately refund the money to Nationstar, which will then return it to me but without any proof of this story. Nationstar will not provide any documentation to prove that XXXX has the money and given XXXX 's denial, I have no reason to believe that Nationstar paid the taxes to XXXX in the first place. Nationstar tells me this will take weeks to months to clear up which I believe is unacceptable. The money should have been refunded to me immediately upon paying their mortgage in full.
Product: Credit reporting or other personal consumer reports

I owe a home. My children are ready to leave and begin their own lives. This prompted me to look into a small home. A cheaper home. The company pulled a credit report on me. Standard practice. XXXX days later I had around XXXX phone calls. At least XXXX texts. I then looked into my span filter there were about XXXX numbers blocked. ( I average about XXXX a day ). I was emailed as well. By the way, I get to pay for this harrassment due to the need to pay for my own credit check. 
What I believe The big three credit bureaus sold my information I believe Rocket Mortgage ( my current mortgage holder ) is engaged in predatory lending and aggressive tactics to sell unwanted products. 
I am " stuck '' with Rocket Mortgage due to them purchasing my mortgage note.

This is harrassment pure and simple.

Imagine a female putting up with this type of behavior by a suitor. 
Restraining orders and arrests would be warranted. 
I can do nothing but put my phone on do not disturb. 
I work with my hands, I can not have my phone ringing incessantly. I am not losing my job to these border line criminals.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Address Regarding Violations of Federal Law - 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2 Dear Navy Federal Credit Union , I trust this letter finds you well. I am writing to bring to your attention potential violations of federal law codes, specifically 15 U.S.C. 1666 ( b ), 15 U.S.C. 1611 ( 1 ), 15 U.S. Code 1681n, and 15 U.S. Code 1681s-2. Upon careful examination, concerns have arisen regarding compliance with these codes, particularly related to the verification of billing statement receipt and accuracy of reported information.

Under 15 U.S.C. 1666 ( b ), creditors are required to adopt reasonable procedures for verifying the receipt of billing statements. The absence of a robust system for confirming receipt, whether paper or electronic, may constitute a violation. Additionally, 15 U.S.C. 1611 ( 1 ) prohibits furnishing false or inaccurate information, raising questions about the accuracy of reported information, especially regarding late payments.

The gravity of potential violations under 15 U.S. Code 1681n, addressing willful non-compliance with federal law, is emphasized. Regardless of prior awareness, addressing any breaches of consumer rights is crucial. Attention is also drawn to 15 U.S. Code 1681s-2, which requires furnishers of information to provide accurate and complete information to consumer reporting agencies. 

I kindly request that you promptly review and address this matter. If violations are found, I urge Navy Federal Credit Union to take corrective action, including updating my account status to paid as agreed to rectify any potential adverse impact on my credit history. Ensuring my credit report accurately reflects payment history is crucial, and I trust you will consider this matter with fairness and urgency. 

Your immediate attention to this request is of utmost importance, and I anticipate your cooperation in resolving this matter promptly. 

Done in good faith.
Product: Credit card or prepaid card

XXXX ( ID number XXXX XXXX a customer service agent for Citibank was rude and not helpful when I tried to remove someone from my authorized user list. She stated that she needed the social security number of that person. She could not explain why she needed it or give me the option of removing the person without it. 
She was rude and talked over me several times. 
I asked for her XXXX  and she said one is not avaiable and I should call back in 30 minutes. 
I said I wanted a call back and she said she couldn't do that. 
Then she said the call was unproductive and she hung up on me. 
The time and date of the call was XX/XX/2021 at about XXXX to XXXX XXXX. 

In the end, I did not get the person removed and had to call back again to talk to another person to get the name removed.
Product: Credit reporting or other personal consumer reports

I have 2 fraudulent hard inquiries on my credit report on XX/XX/2024 XXXX XXXX and XXXX. 
I have a {$4500.00} bill from XXXX and received a XXXX XXXX credit card that I didnt apply for I called TransUnion to get them removed and the operator told me to fill out a claim on this website
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX XXXX XXXX XXXX back in XX/XX/XXXX then due to circumstances with my family, I had to leave then re-enroll in XXXX. From that first enrollment, I was told by multiple financial aid advisors that I had no other account with them and that I am all up-to-date in my student loans. I received a few calls throughout XXXX regarding an overdue balance of {$4500.00}. I would ask when it was placed, ANY information regarding it and they would just say " you have a balance of {$4500.00} and It doesn't show me any other information after that. There's nothing else on your account so you should be all set. '' I thought it was super weird and suspicious that no one can tell me where this {$4500.00} came from and if it was from that first enrollment period then I can understand but nothing else showed in the system for them? 
After not getting random phone calls every 4-6 months, I received a letter in the mail saying the account is in collections with ATG credit and you need to settle the amount of {$4200.00} immediately. I check my credit score regularly and immediately had seen at that moment it hit all 3 credit bureaus and my score dropped 30+ points. I explained to ATG credit that XXXX confirmed multiple times I do not have any unpaid balance with them and there is no record of that amount coming from anywhere else, not from my 1st enrollment or 2nd, NO WHERE ELSE.

It is extremely fishy and disheartning to see my credit score drop so drastically when I worked my XXXX off building it up to a good spot to buy a house in the near future and to be financially stable. I was at a great place with it, compared to where it was originally, and this collection account wiped away all that hard, earned work. 
I disputed it multiple times with XXXX XXXX and XXXX  but there has been no luck with XXXX. Both XXXX  and XXXX  removed the collection account from my reports but XXXX  is, for some reason, keeping it on there. It is so frustrating because I had the same thing happen with XXXX XXXX and found out, through the XXXX  that they are frauding accounts due to the pandemic. Please comply with the rest of the reports and remove the ATG Credit collection account for {$4200.00} off my XXXX  credit report immediately. Thank you for listening!
Product: Checking or savings account

I got an email from Netspend about a problem with my checking account, but I dont have XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted experian via letter and ask that they verify and validate public record aka a bankruptcy that listed on my credit report, they returned the item as verified, I requested a method of verification by phone with a agent on XX/2018 at XXXX eastern standard time, she said the courts verified it, when I told her that the court did not verify anything I have a letter she claimed XXXX XXXX a third part runner verified it, I said thats a violation of the FCRA guidelines and XXXX XXXX need to be listed as the furnisher of this information and a contact information, I requested they tell me who at XXXX XXXX verified it the date it was verified by them so I can contact them, she then stated that she is not sure if XXXX XXXX verified this information ... now she says she dont know who verified it.. well by law you have to know who verified it or else its not verified that means your computer verified it and thats invalid and inaccurate ....
Product: Credit card or prepaid card

I called in to the Macy 's credit card line looking to verify my Identity, so that I could get my credit card to my new address. Not only was I unable to do that with thee manager that I spoke to I was not given the information about where they would send my card even though they, " verified '' me by asking for my social security number. 

THe card, and other information is simply not showing up to my address on file. I need them to send it to my PO Box , but they are refusing to because they need to, " verify '' me Further I asked them to verify my most recent address through my credit report. but they did not.
Product: Credit reporting or other personal consumer reports

Equifax deleted the things I requested off of my report and then added them back. XX/XX/year>2025 my fico score was XXXX and XX/XX/scrub>/2025 it dropped XXXX on equifaxs behalf
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked XXXXXXXX XXXX to verify this debt on my account since XXXXXXXX XXXX XXXX An investigation was started on XX/XX/XXXX XXXX XXXX XXXX XXXX has still refused to handle this issue. They have disregarded every right I have as a consumer. My mext steps will be legal action. The debt was deleted from my XXXX report but still remains on my XXXX and Transunion reports. Please view attachments from prior investigation. It has been over 30 and there has been no resolve to my issue yet they keep updating this account on my credit report. IF THIS ACCOUNT IS NOT DELETED IMMEDIATELY I WILL BE TAKING THIS TO COURT. 

1006.34 Notice for validation of debts.

15 U.S. Code 1692g - Validation of debts
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have on more than one occasion to verify two items XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX specifically on XX/XX/XXXX, XX/XX/XXXX asked this company to validate the information on my credit report under Section 609 ( a ) ( 1 ) ( A ), that they are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Included in this process is required for them to show proof of verification and validation with documentation but they have never provided me with proof that this debt is indeed mine. They have arbitrarily stated that it is verified or updated without any evidence or proof ( which will be provided in the documents below ). In addition one of the items is beyond the statue of limitation of reporting and also should be removed from my report. All I am asking for is a thorough investigation of the items on the report that are required to report accurately under FCRA standards.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate. The Balance is not correct and the payment is not correct and the balance history is different on the XXXX, Equifax and XXXX. Please Delete per the FRCA 611. 

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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX

has violated my rights. I did not authorize the credit inquiry. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

MUltipule times card was denied, also charged fees
 Finally went to bank elsewhere
Product: Credit reporting or other personal consumer reports

I was shocked this afternoon to see inaccurate accounts suddenly appearing on my credit report, and I can't understand how this happened. I regularly check my credit report, and today, without warning, there were errors that made no sense. I even tried refreshing the browser, hoping it was a glitch, but the errors stayed the same. Im truly disheartened by this, so Im asking that my documents are thoroughly reviewed to avoid this issue from ever happening again.
Product: Checking or savings account

My account was hacked and {$5000.00} was transferred out of my account without my knowledge and consent. Notified the bank immediately who closed the investigation after a day and said thier was no fraud found.
Product: Credit reporting or other personal consumer reports

Despite providing extensive and irrefutable documentation over the past six years, the following inaccurate information has been improperly reinserted into my credit report without compliance with 15 U.S.C. 1681c ( f ) : Details of the Inaccurate Information Creditor Name : XXXX & XXXX Account Number : [ Insert Account Number or Identifier ] Description of Inaccuracy : REPEAT REQUESTS FOR REMOVAL ( 6 YEARS ) - After removed, The Credit Bureau RE-POSTED the creditor inaccurate reporting, showing the account is CLOSED WITH A BALANCE from OVER 7 YEARS AGO!!!!!!!!!!!!! Showing account derogatory, profit and loss write-off!!!! 
This re-posting occurred after it was previously removed, in blatant disregard for the FCRA, which mandates : Certification of Accuracy Before Reinsertion : A data furnisher must verify the accuracy of any information before it is re-reported.

Notification to the Consumer : The credit bureau must notify the consumer of any reinserted information within five business days.

You have failed to comply with these provisions.

Immediate Action Demanded I demand the following actions be taken within 10 calendar days of receipt of this letter : Permanently Remove the Inaccurate Information : Immediately remove the inaccurate account ( s ) from my credit report and ensure no further reinsertion occurs without strict compliance with the FCRA.

Provide Written Confirmation : Deliver a written statement confirming the permanent removal of the inaccurate information and your commitment to full compliance moving forward. 
Legal Ramifications of Non-Compliance Failure to address this matter within the specified timeframe will leave me no choice but to escalate this issue through : Formal Complaints : Filing with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ) against your organization for repeated violations of federal law.

Legal Action : Pursuing a lawsuit under 15 U.S.C. 1681n for willful non-compliance, which may result in penalties including : Actual damages Statutory damages of up to {$1000.00} per violation Attorneys fees Punitive damages Your organizations disregard for federal law undermines consumer trust and perpetuates unnecessary financial and emotional harm. I am fully prepared to exercise all available legal remedies to ensure this matter is resolved. 

This is your final opportunity to resolve this issue amicably and in compliance with the law. I expect written confirmation of corrective action by XXXX Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Was 60 days late XXXX time ( XXXX ). Was 90 days late XXXX time ( XXXX ). Was 120 days late XXXX time ( XXXX ). Was 60 days late XXXX time ( XXXX ). Was 90 days late XXXX time ( XXXX ). has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Was 60 days late XXXX time ( XXXX ). Was 90 days late XXXX time ( XXXX ). Was 120 days late XXXX time ( XXXX ). Was 60 days late XXXX time ( XXXX ). Was 90 days late XXXX time ( XXXX ). Was 120 days late XXXX time ( XXXX ). Was 60 days late XXXX time ( XXXX ). Was 90 days late XXXX time ( XXXX ). Was 120 days Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Was CO  days late XXXX time ( XXXX ). Was CO  days late XXXX time ( XXXX ). 
In Dispute US DEPARTMENT OF EDU ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX XXXX - - Was CO days late XXXX time ( XXXX ). 
In Dispute XXXX XXXX XXXX ( Original Creditor : XXXX  ) - - XXXX XXXX Was CO days late XXXX time ( XXXX ). 
In Dispute XXXX XXXX XXXX XXXX XXXX - Was 90 days late XXXX time ( XXXX ). Was 120 days late XXXX time ( XXXX ). Was 90 days late XXXX time ( XXXX ). Was 120 days late XXXX time ( XXXX ). 
In Dispute I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This XXXX 's account # XXXX is Paid-in-Full and Closed. However, Equifax CRA and Experian CRA continue to incorrectly report as Open.
Product: Money transfers

I have a complaint against MoneyGram. For years I have been sending money to my wife using MoneyGram. 

On XXXX XXXX, 2015 I drove into a MoneyGram store and paid the fee to have {$990.00} transferred to my wife in XXXX XXXX. 
I then drove back home and called my wife and gave her the reference number I was given. 

My wife drove to the bank in XXXX XXXX, waited in line for 1/2 hour, only to be told the transaction had been blocked and shecould not receive the money. 

I then drove back to MoneyGram store and was told only thing they could do was to cancel the transaction. 
They also gave me a MoneyGram number to call. 

I called the MoneyGram number XXXX and was told that my name had been confused with someone else on a listthat they do n't do business with. The Agent, named XXXX, told me that they had corrected the problem, and that I should have on further trouble. 

On XXXX XXXX, 2015, I again drove into a MoneyGram store and paid the fee to have {$990.00} transferred to my wife in XXXX XXXX. 
I then drove back home and called my wife and again gave her the reference number I was given. 

My wife once again, drove to the bank in XXXX XXXX, waited in line for 1/2 hour, only to be told the transaction had been blocked and shecould not receive the money. 

I have XXXX complaints : ( 1 ) If MoneyGram is not going to honor the transaction, then they should inform you up front and not waste your time and gas money. 

( 2 ) If MoneyGram and the Government compiles " list '' of people they can refuse service, then there should be clear guidelines as to what is required to get off this " list '' ; or you should be given concrete reasons why you must remain on the list. 
There should be a process clearly spelled out for people who do n't belong on this " list '' to get off of it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , UT  XXXX  Inquires on  XXXX / XXXX / 16  and  XXXX / XXXX / 16  This  inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) which states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater. ''
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>