23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

In XXXX I obtained a car loan from Exeter Finance by the beginning of the year XXXX my car loan was paid off without a late payment throughout the entirety of the life of the loan.Through the life of the loan I obtained a few deferred payments in which it was explained to me by representatives working for Exeter Finance that I would pay these off once my original loan was over. They explained that once my original loan was paid I would continue making my monthly payments of XXXX every month until the deferred payments were paid off. XX/XX/XXXX Exeter Finance contacted me explaining if I did not pay the balance in full of the deferred payments they would report to the credit bureau each month XXXX days etc until paid in its totality. I explained to them what the representatives of their company had previously told me about the deferred payments their reply was Im sorry they told you that but they were wrong. I responded well I went along with the deferred payments based off of what they told me if I knew I would have had to come up with a lump sum of money at one time I would have went another route.I continued to make my monthly payments on time every month even extra payments to try everything in power to pay these deferred payments off I feel this was a situation where predication of consumer was at hand. I take my credit so seriously thats why I never had a late payment throughout the entire life of the loan but this entire ordeal with this company is ridiculously on so many levels. My entire credit report is very good and my score to with the exception of this blemish this company has left a dark cloud over my credit. If you take a look at my account with Exeter Finance over the XXXX or XXXX years it is flawless then at the very end you will notice something odd and strange looks like this account has took a turn for the worst not normal. Any help that can be given in this matter to resolve my situation and to not let Exeter Finance prey on anymore consumers in the future would be greatly appreciated. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inclusion of a bankruptcy notation on my credit report. In XXXX, I initiated the process of filing for bankruptcy ; however, I subsequently decided not to proceed with the filing. This decision was confirmed with a letter from the state of Ohio, indicating that the bankruptcy proceedings were not pursued. 

Despite providing this documentation to all credit reporting agencies, I have been informed that the bankruptcy notation will remain on my credit report for XXXX years. This response is deeply troubling and unjust. 

On XX/XX/XXXX, the bankruptcy case was officially dismissed. As such, it should not be treated as a completed bankruptcy, as it never reached fruition. The dismissal should absolve me of any negative implications associated with bankruptcy proceedings. 

The presence of this erroneous bankruptcy notation on my credit report has had severe repercussions on my financial endeavors. I have encountered significant obstacles in obtaining essential services, such as securing a car loan, refinancing my home, and acquiring a business credit card. 

It is unjustifiable to penalize me for a bankruptcy that never materialized, especially when the case was dismissed over several years ago. The continued inclusion of this inaccurate information on my credit report is not only detrimental to my financial well-being but also constitutes a breach of fair credit reporting practices. 

I am hereby formally requesting the immediate removal of the bankruptcy notation from my credit report. I implore you to conduct a thorough review of the documentation provided and take appropriate action to rectify this matter promptly. 

Failure to address this dispute in a timely and satisfactory manner will compel me to seek legal recourse and escalate this issue further. I trust that you will handle this matter with the utmost urgency and professionalism. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of the erroneous bankruptcy notation from my credit report.
Product: Credit reporting 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 : XXXXXXXX XXXX  Account NumberXXXX Account Name : XXXX XXXX XXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been in correspondence with the three Bureaus about the misuse of my credit report and they responded with a superficial answer not even addressing the complaint. I'm requesting a thorough investigation of matters and my report corrected. I've asked reporting agencies to not place items on my report without my written permission. However, they have ignored my appeal and I am now requesting CFPB to correct this matter, so I don't have to contact the Attorney General. 
In accordance with the fair credit reporting act 15 U.S.C 1681 section 602A my rights have been violated because i have the right to privacy. Also, 15 U.S.C 1681 section 604A also states a consumer reporting agency can not furnish acct info without my written instruction. 
These companies continue to report after my request to stop : XXXX XXXX XXXX acct # XXXX ( XXXX  XXXX XXXX XXXX XXXX ). XXXX  XXXX acct # XXXX. XXXX XXXXXXXX acct XXXX XXXX. XXXX XXXX acct # XXXX. XXXX XXXX XXXX XXXX acct # XXXX. XXXX XXXX XXXX acct # XXXX have all violated my rights and i want the accts removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 7 to 16 items from ten to fifteen years ago that have not been removed
Product: Mortgage

This complaint concerns a proposed short sale transaction involving the primary residence of borrowers in XXXX County, Florida. This complaint is filed by the law firm representing the defendants / borrowers in the subject foreclosure action. On or about XXXX XXXX, 2016 a complete short sale package including an offer and all the supporting financial documentation of the borrowers was submitted to Di-Tech as the current servicer for note owner, XXXX XXXX XXXX XXXX XXXX XXXX. On XXXX XXXX, 2016, our law office was notified verbally that the short sale had been approved. However, on XXXX XXXX, 2016, the undersigned attorney received an email from XXXX indicating that the Mortgage Insurer on the subject loan ( XXXX ) would not agree to the short sale that had been approved by the investor on the loan. In fact, upon further follow up it was discovered that investor would not negotiate in good faith with Mortgage Insurer in effort to seek a resolution whereby investor would pay an agreed negotiated amount of net proceeds from the short sale to Mortgage Insurer, as is common and customary. Further, investor/ servicer refuses to provide the mortgage insurer contact information this law office in order that we may be able to help negotiate a resolution. Most recently, representatives of Di-Tech have not returned phone calls or emails. The basis of this complaint is the failure of good faith loss mitigation processing on the part of Di-Tech and XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received an email from iLendingDIRECT stating that I had been declined credit and that they had pulled my credit report for their review. The issue at hand is that I never applied for credit with iLendingDIRECT and had never applied to refinance my vehicle as they stated was the purpose of the loan. I contacted the company demanding a retraction on my credit report, and inquired as to why they would pull my credit without my permission. After blocking my emails initially, I was phoned twice, the first time to speak concerning the issue, the second to extend an offer for credit, I have the voicemails of each saved, remember they already declined me the day before. I wrote again explaining I needed to be contacted by email for hearing reasons. Since then I have received several emails blaming some other company I had never heard of and denying any responsibility for pulling my credit report as their letter clearly states they did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not take the appropriate steps to keep my personal information secure. Following the break into their system, their executives hid the event and made money off of it.
Product: Credit card or prepaid card

I had recently paid off all of my credit cards, including my XXXX XXXX XXXX through synchrony onXX/XX/XXXX, and a month ( XX/XX/XXXX ) after my payment in full was processed synchrony " randomly '' closed my XXXX XXXX XXXX causing my score to drop significantly, I called synchrony they told me the decision was random and made onXX/XX/XXXX because of inactivity, but thats not true, i used the card on XX/XX/XXXX and just now finalized it on XX/XX/XXXX I explained to them that I am in the process of purchasing a home, that's why I paid them in full so it doesn't affect my process for purchasing a home, they pretty much said tough luck nothing we can do for you. It is not right that they can try to mess with someone like that and seeing that them closing this account dropped my score by 38 points, I'm worried that it might alarm my lender for my mortgage all thanks to synchrony doing this stuff behind the scenes and not contacting me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Equifax Information Services LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of FCRA Violations Dear Equifax, I am writing to formally dispute the violations of the Fair Credit Reporting Act ( FCRA ) that I believe Equifax has committed. Specifically, I am referring to the provisions outlined under 15 U.S. Code 1681n, which addresses civil liability for willful noncompliance. 

It has come to my attention that Equifax has willfully failed to comply with requirements imposed under the FCRA, resulting in damages to me as a consumer. As per the statute, I am entitled to seek damages for any actual harm sustained as a result of such failures, or statutory damages ranging from {$100.00} to {$1000.00}. 

If this matter is not resolved promptly, I will be compelled to pursue further action, including filing a claim in small claims court or seeking arbitration. I hope to resolve this matter amicably and urge you to take this letter seriously. 

Please respond to this letter within 15 days, providing a detailed explanation of how you intend to rectify these violations. 

Sincerely,
Product: Credit card

I received a bank statement from Capital One for Payment for a Credit Card which I am not aware of. I called the bank to start the dispute and they told me it will take up to 60 days.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and access fraud on their platform, leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This is my second time writing the company Equifax to update my personal information. 15 USC 1681 ( a ) ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses as followingXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Delete any and all other phone numbers. I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. Delete all information in the employer section I do not work at any of the places listed and should not be on my credit report. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Experian, LLC has violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978. This entity also violated 15 U.S. Code 6802. Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. It clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. I have communicated with Experian, LLC supplying them with the following : Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, un-written, verbal, and non-verbal per 15 USC 6802 ( b ). I do not give you permission to access, use nor house my information, hard inquires, soft inquiries, any collections and or charged off accounts and any such use is in violation of 18 USC 1028A Aggravated Identity Theft. I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency nor notification that Experian had possession of my information.
Product: Credit reporting or other personal consumer reports

Unable to freeze or unfreeze credit reports for myself or my wife online with TransUnion. We have to physically call them each time we want to unfreeze and then freeze again. This takes up to XXXX mins each time for each of us due to hold times.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone have been applying for credit in my name at the following places -CIC Credit : XXXX XXXX XXXX -factual Data : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX -XXXX  : XXXX XXXX XXXX -XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I Was A Victim Of XXXX
Product: Mortgage

My account was initially created when I assumed my loan in XXXX of XXXX. I setup my account access and payments through the online portal successfully. 

Sometime in the last few months my account was deleted by Freedom Mortgage without any notification or explanation from them. I had to call to try to gain access to my online account and that is when the agent told me it was deleted. I asked for explanation and was told that they didnt have anything to provide and couldnt give me a timeline to gain access back to my account. I was told this was known by them for months but there was not resolution available. 

So, I have a mortgage I cant manage, adjust or lookup information on. Please help.
Product: Credit reporting or other personal consumer reports

Claims with data breaches and ID theft current incident lost property incorrect incident report XXXX Is this my name? When reporting the incidents as I had broken the law and no right to report it I have never been in XXXX XXXX '' however dispositionwhen making a police reportHow I have approached my concerns as an impacted person several data breaches first XXXX XXXX XXXX XXXX XXXXXXXX  and earlier and notified, second equifax data breach and third during XXXX XXXX XXXX  XXXX XXXX and all settled and published on CFPB however unaddressed namely XXXX responses I received from equifax and XXXX sued also this salutationis not my name in regards to a police report and also XXXX XXXX XXXX XXXX request after notification of data breach and impacted persons complained of stolen Educational records namely certificate of live birth and social security card open the door to access my personal accounts and login why? They have identification. My XXXX  account there were documents uploaded that had dated back to a previous XXXX XXXX case unfortunately information creditors that did belong to me there were XXXX XXXX  cases XXXX XXXX and XXXX XXXX and harassment after the Data breaches would be personal I was notified by apartment complex in XXXX fields of ID theft in an apartment using my certificate of birth and questioned how these criminal had obtained my certificate of live birth as to what was used. XXXX XXXX advocated for affordable housing and in XXXX there is a boys and girls club in her ward and several witnesses ( XXXX ) who worked for her. Prohibit any person from accessing my personal Government issued ID 's. 
Government has opened the door to criminal activity and involved me through identity theft
Product: Checking or savings account

XX/XX/2025 I received {$9000.00} from a friend that owes me money and he sent it and my account went under review! Said it takes 48 hours. 

I waited and waited the on XX/XX/2025 my account let me have access to my account so I transferred the {$9000.00} to my savings cause thats the only card I had showing that works So I started to withdrawal money which was {$600.00} a day from my atm Savings card Then they froze my account again saying it was fraudulent transfer but others are saying its still under review! But fraud team called said my account will be closed in 60 days and didnt give me a reason never called and spoke to me or gave me a reason just called and said my account was closed but I been waiting since XX/XX/XXXX for a review thats suppose to take 48 hours They are literally holding my money I am a XXXX XXXX Veteran and they are very rude and trying to say my funds were fraudulent when I live by XXXX  this is the worst banking experience ever I have a family to feed and I have bills and need money for gas for work they literally had my account under review since XX/XX/XXXX dont care how I survive in this world! 

Very harsh to a veteran that fought for his country!!!
Product: Credit card or prepaid card

On XX/XX/2019 we reported a fraud dispute form to SuperFleet Mastercard stating that one of our company gas cards had been stolen and there were multiple fraudulent charges made at a gas station in XXXX Ohio. There were multiple purchases of Premium Gasoline made on the same day very obvious fraudulent activity. SuperFleet would not cover the charges and sent our statement to a collection service.