23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XX/XX/XXXX last four of ssn is XXXX. There was a credit card for XXXX XXXX opened under my name XXXX  XXXX XXXX years ago. this account has been paid off in full & belonged to my now ex spouse. I am writing this to ask for the late payment forgiveness & ask that the two late payments from XXXX & XXXX be taken off my credit report since the account has been paid in full & no longer used.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dating from over 5 years back I have been continually providing and disputing the same issue with not only Transunion but with XXXX  as well. Over 17 times now I have provided with copy after copy of my bankruptcy federal paperwork informing them I had 2 student loans discharged through hardship circumstances of my bankruptcy from 2006 all of my other debt were taken off my reports over the years as they aged off and were also included in bankruptcy al except for these 2 students loans that at many point in time double listed on my credit file. I spent 10 years dealing with the penalty of having a bankruptcy on my file and was finally relieved last year when it finally came off only to be put through a new XXXX because Transunion and XXXX  both keep listing negatively on my credit so I still keep getting turned down because its still reporting as discharged through bankruptcy a full 2 years after I waited for the bankruptcy to age off every time I dispute it they keep re aging the debt I had a Rep yell at me and say why don't I just flipping wait till XXXX till it scheduled to fall off again. This should have ben off my report 2 full years ago instead it cause 11 separate denials of credit and housing. enough is enough
Product: Credit reporting

I have been alerted that my " ex-husband '' filed jointly or something that put a tax lien on my credit report. We have been divorced XXXX. I have not worked since XX/XX/XXXX due to being XXXX and recently have gone to my hearing for XXXX which looks like the outcome is going to be good but I 'm waiting on that letter still. After 3 yrs. this is a blessing to me, which explains the past three years of my credit rating going downhill drastically since I could n't pay any bills other then what my children could help me with. On that note it had to be the utmost needed necessities, like a roof over my head for XXXX example! 

He 's not married to me or anyone else that I know of! He only helped me with some bills since I have been XXXX and he told me he was going to file using me as a " dependent '' since he helped me for at least 6 months! I have had no income coming in other then my XXXX children paying the needed bills to survive here, which has put them in many binds. This is when he started helping out as well for about 6 months or so, BUT then his unemployment ran out and he went on food stamps & medical. He also stayed in this house frequently and uses this address still since he has no address yet of his own. He has n't changed it yet but he will now! After all the stress I have been through the past 3 yrs alone, now I see this on my credit rating I HAVE A TAX LIEN on my credit report that belongs to HIM! He should of never, NEVER put me on his taxes " JOINTLY ''. I need this removed ... this is not my debt! When I worked I filed my taxes every year! In the past, he went with out paying his taxes for about XXXX to XXXX yrs, I am not sure of the actual amount of years but I 'm positive it was a few years at least! This occurred approximately about that many years or so ago when he failed to file. Naturally they ( XXXX XXXX Federal & State caught up with him on this, but he has failed to keep up on the payments he had arraigned XXXX. Now I find out that he filed at some point " jointly '' with me and I have a Tax Lien on " my '' credit report!?!?! He does not live with me, he is not working again XXXX just lost another job ) due to his drug addiction, hence why he does n't come here anymore I will not have my stuff stolen either! I do n't know what to do here I am livid, Please I need some help here! 

Attached are XXXX screen shots of XXXX XXXX showing it is on my Transunion Report as well as my XXXX report so I have no doubt it 's on my XXXX too! Please please help me with this matter. I am also going to try to make some calls to the help tools provided on the XXXX page.
Product: Checking or savings account

On XX/XX/XXXX, We opened a Citibank Online Accelerated Savings acct. in XXXX, TX. We funded it from our XXXX XXXX XXXX acct via a transfer of funds from the sale of our XXXX residence. We had our mail forwarded to our XXXX, NM home where we were going to stay for several weeks. XX/XX/XXXX, Citibank mailed us debit cards which we did not request so we were not looking for them. The Post office was still sending mail to our mailbox even though we had it  forwarded. The cards were stolen from our mailbox and apparently the PIN code was also stolen. XX/XX/XXXX A thief activated the debit card and made 4 withdrawals from our savings totaling {$1100.00}. We were vacationing in XXXX, NM at the time of the theft. We called Citibank on XX/XX/XXXX, when we noticed the withdrawals. We reported fraud and stolen debit cards to Citibank and had the cards blocked. They gave us a case #. We reported the theft to the US Postal Inspector. The next day, XX/XX/XXXX, the same debit card was used again for 2 more withdrawals totaling {$1300.00}. We called Citibank to report fraud again and they did not show the debit card used in previous day as blocked. They opened another case for the new fraud and blocked the card again. 16 days later on XX/XX/XXXX, we recvd an email from Citibank denying our fraud claim. We called Citibank again and were told the original complaint by us was not logged as fraud, the card not blocked but they would fix report and re-file. They gave us a 3rd case #. 3 days later we recvd an email that the claim was denied since our debit card was used and a PIN was used so we had no defense. How can Citibank deny our claim Under Reg E. We notified them within 24 hours of the fraud and had card blocked. They will not even give us back the money taken after they were to block the card. We were forced to have a debit card which we did not want because they said that is the only way to access our account since it was an online savings. We have since withdrawn most of the money fearing more fraud will happen. Citibank would not allow us to transfer the money out the same we we transferred it in to them. We had to wire it out in several transaction over several days which they charged us a high fee for. We have several questions. How can someone activate a debit card without having to provide any security other than using a stolen debit card and stolen PIN. I have had to answer multiple security question and have codes texted to my phone just to even talk to a Citibank rep but a thief can take my money with no security at all. We have receipts to prove we were in New Mexico at the time of the theft in XXXX. We have our phone call log showing our calls to Citibank. We have emailed correspondence from Citibank showing their mistakes in handling the fraud. We have filed a Police report. All we ask is for Citibank to return our stolen funds as required by REG E. Thank you
Product: Mortgage

this is regard to the wells fargo class action lawsuit for wrongful mortgage practices in which i lost my home XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

At the end of XXXX this writer suffered XXXX XXXX XXXX. During this period due to my inability to sustain employment I was unable to keep up with my credit card payments with Navy Federal Credit Union. Therefore, my payment fell behind to the point where Navy Federal decided to close my account. 
In XXXX after a full recovery and back to work full time, I contacted Navy Federal and inquired about the past due debt that I owed them. They informed me of the full amount ( {$450.00} ) and after minimal negotiation, I was informed that the only way I could settle this debt to the satisfaction of both myself and Navy Federal was to pay off the entire amount in cash at the local branch. The agreement was that I would pay the full amount, and the bank { Navy Federal ) would fully recover their loss. And for doing so I would have this derogatory removed from my credit profile with the Credit Reporting Agencies. 
On XX/XX/XXXX, I paid off this overdue debt to Navy Federal. ( See Attached ). 
about 30 days later I contacted Navy Federal and informed them that the negative information was still reporting on my credit reports. I was told at this time that it usually takes 4 to6 weeks for the corrections to take place. 
I waited another 30 days and again checked my reports. This time I noticed that it stated that this account was a Charge Off, But it was paid. I again contacted Navy Federal. This time I was told that They were NOT GOING TO REMOVE the derogatory info, but it would state that the debt was paid. I informed the person I was speaking to that this was contrary to the deal I was made prior to my full repayment of this account. I was told that no matter what agreement I had previously reached with them, this was their position now. 
I am under this impression that Navy Federal practices allow for their agents and customer service reps to tell their customers whatever the customer wants to hear in order to assure that customer pays them their money. Then after getting their past due balance they ( Navy Federal ) renege on their promises and feign memory of ever making this deal in the beginning. These practices are expected more from a collection agency. than that of a reputable bank like Navy federal. They should be made to keep their word,, not only in this case but all cases where they make promises to customers in order to receive payoffs ... ... 
Also note, I disputed this account with XXXX. The results are dated XX/XX/XXXX, which state clearly " {$45000.00} WRITTEN OFF '' Now my question would be why would Navy Federal state that this amount was written off in XXXX of XXXX when in actuality this account was paid if full in XX/XX/XXXX. It is as if they are going to great lengths to disparage this customer. See attached ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, First of all I would like to thank you for removing my fraudulent information reporting on my file. But In doing so you s also decided to delete my 4 Student Loans, XXXX Account, last year you removed two XXXX XXXX Accounts, 3 XXXX accounts, and a XXXX. I am currently requesting that you place my correctly paid as agreed accounts to my report and stop reporting the fraudulent information. I have enclosed a copy of my credit report showing accurate information that needs to report and not removed.
Product: Credit card or prepaid card

Barclay 's, the bank behind my XXXX Mastercard, promises three months of payment waivers due to Covid 19. 
I was enrolled in this in XXXX. However, due to them not responding to my queries regarding, my XX/XX/XXXX payment of {$29.00} went through. I also paid the same amount in XXXX while I still had funds. 
I did not pay my {$29.00} minimum required in XXXX and XXXX. At this time, funds were running out for me. 
As I only got to skip two payments, I contacted them this week for confirmation that despite the norm ( skipping XXXX, XXXX and XXXX payments ) in my case I would be able to skip XXXX, XXXX and XXXX. 
What was very strongly implied when I spoke to a representative from Barclays last night was that, because I was enrolled in XXXX and then paid in XXXX, I would only be able to skip two payments. 
What IS written is that the payments must be consecutive as mine would be. Nowhere does it say that it must be certain months only. 
All I am asking is that I get to waive the promised three payments ( in my case XXXX, XXXX and XXXX ). So I want to skip my third payment in XXXX as offered to me according to their provisions for Covid 19 relief. 
I hope you will see what I do ( and they do not ) that this is unfair and not keeping with supposed help they extend to their impacted customers during this difficult time.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBEXXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

Consumer Financial Protection Bureau Regarding : Specialized Loan Servicing : Wrongful Foreclosure XX/XX/XXXX I called Specialized Loan Servicing, now after referenced as SLS, to report a financial hardship and skyrocketing divorce cost. 
I asked what programs they had to help me in this time. NONE They gave me the number to H.U.D After several more request for help from SLS, such as Mortgage Relief, Loan Modification, forbearance, Request for Mortgage assistance, move one payment to the end of the loan and lastly COVID-19 assistance. Each and every time I got an answer of here is the number for H.U.D With no other option available I called that number and was put in touch with an office in XXXX, CA The H.U.D office had asked what steps I had taken, and I explained. They said to call them back and specifically say I needed a particular program due to the pandemic. DENIED Per H.U.D I requested a loan reinstatement quote, now two years later. 
This is what SLS sent : Per your request, the following amount is required to reinstate the above referenced loan : Payments Due Through XX/XX/XXXX {$12000.00} Late Charges : {$230.00} Fees : {$120.00} Property Inspections : {$120.00} Legal Fees : {$0.00} Negative Escrow Balance : {$0.00} Unpaid Escrow Shortage : {$0.00} Corporate Advances : {$1500.00} XXXX : {$0.00} Uncollected Interest : {$0.00} Suspense XXXX : ( XXXX ) Suspense 2 : {$0.00} TOTAL REINSTATEMENT : {$13000.00} SLS has now sold my home at auction on XX/XX/XXXX. 
I called SLS approximately 11 days prior to ask for an extension. I read that this is possible in the notice given to me by The Mortgage Law Firm. They said it was not up to them and to call the auction people. 
When I called them back I TOLD them it is your decision to grant or deny me this extension. After a few minutes of being on hold I was told no. 
Meanwhile I am trying to solidify my bailout loan. 
On XX/XX/XXXX I was approved for a conditional loan for {$210000.00} I called SLS again to request the auction be postponed while the details and funding were processed. SLS said NO. 

I am still living in my home. I have not received an eviction notice. 

I have made a claim to the surplus money from the auction mainly so no one else can. 
However, I do not intend to take the money as it will show acceptance of the sale. Of which I truly do not accept. 

That money belongs to the organization that bought my house in a wrongful foreclosure.
Product: Checking or savings account

I deposited a check for my husbands annuity pay that was paid out to him from the XXXX XXXX, the bank said the check was fraud even though they received the funds, it has been over a year and they still have yet to release any funds
Product: Credit reporting, credit repair services, or other personal consumer reports

DT Credit XXXX XXXX XXXX, AZ XXXX XXXX XXXX ( XXXX ) XXXX The inquiries on my Credit report auras are XXXX, XXXX, XXXX XXXX did not unauthorized report
Product: Credit card or prepaid card

I have opened American express # XXXX in XX/XX/XXXX based on their offering a cashback on the purchases for the card, between 3 % and 6 % of purchase amount. But now they refuse to issue the cashback that they have advertised. They have also refused to process my disputes of erroneous of fraudulent charges that they charged to my account. 


However, On XX/XX/XXXX American Express took their own decision to close my account. Their explanation of their decision was false. American express wrote to me that they have closed my account because they did not like how I spoke to their customer service agents on the phone about this card. But I have never talked to American express over the phone since opening this card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX 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 reporting agency can not furnish a account without written instructions.

15 U.S.C 1681e. ( aX5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following terms of information. Any other adverse of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C. 16818-2 ( AX1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am formally notifying your company that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. Consequently, I am requesting that these accounts be blocked and deleted. It is important to clarify that this request is not made in error, nor is it based on any material misrepresentation for blocking these transactions.

I insist on the removal of all utilization data from the mentioned accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting at, the list of accounts below have Violating my federally Protect the consumer rights to privacy and confidentiality under 15 USC 1681XXXX XXXX XXXX XXXX XXXX 
Acct # XXXX XXXX XXXX XXXX XXXX. 
Acct # XXXX XXXX XXXX XXXX  Acct # XXXX XXXX XXXX XXXX Acct # XXXX Have all violated my rights. 
15 U.S.C 1681 section 602A. States : I have the right to privacy.

15 U.S.C 1681 Section 604A. States : A consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c. ( a ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other reverse item of information other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a reasonable cost to believe that the information is in accurate.

Please Delete these accounts immediately to avoid further action.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  XXXX Inquiry : XXXX. XXXX, 2021 XXXX  XXXX Inquiry : XXXX. XXXX, 2021
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax & Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report. despite my submissions, Equifax & Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's & Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax & Experian complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is continuing to furnish a report without written consentI have sent several letters stating I didnt give them permission to furnish anything on my report 15 usc 1681 section 604 A section 2.

15 usc 1681 section 2 : states I have a right to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed my bankruptcy with Experian and it came back verified. I spoke with a representative and ask her what information did Experian receive and what reporting agency did they use to determine this public record was verified. The representative couldn't give me any pertinent information about what agency was used to verify the information. I asked her how can it be verified by Experian and XXXX was unable to verify my bankruptcy and was removed from my file. Then she tried to say the court verified it which is untrue because the courts don't report to the credit bureaus which was very misleading
Product: Checking or savings account

I had an account with the bank more than 7 years ago they close my account and have not giving me any reason why I cant open an account with them again or why they closed my account in the first place.
Product: Credit reporting or other personal consumer reports

15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I HAVE ATTATCHED MY FTC REPORT & MY DISPUTE LETTERS I HAVE SENT THAT THEY IGNORED TO THIS COMPLAINT TO PREVENT FURTHER STALL TACTICS FROM EQUIFAX.

I have disputed these fraudelent credit inquiries multiple times Equifax blatantly ignored my multiple dispute letters asking them to investigate and remove these inquiries. This is a violation og my rights under the Fair Credit Reporting Act, 15 U.S. Code 1679c.