23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX I was under the Covid 19 forbearance. No negative information was reported during such time. My loan servicer changed from XXXX to PHH within that time. PHH requested I pay the deferred forbearance loan upfront. I informed PHH that I was unable to pay the deferred amount but since my loan was under Covid 19 forbearance Id like proceed with the loan modification. Once again no negative information was reported at such time. In XX/XX/XXXX I was informed to complete paperwork to process the loan modification which required 3 payments of {$2200.00} for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. All payments were made and received by XX/XX/XXXX and the loan modification was processed. After the last payment was in XXXX for the month of XXXX, PHH reported my account deliquent to the credit bureaus on XX/XX/XXXX. First payment under the modification is due XX/XX/XXXX. My complaint is that PHH reported my account deliquent which caused my credit score to drop over XXXX points. I've disputed the information with the credit bureau to which they reported only the information has been updated to include the trial payment but all else will remain on my account. Also I do need to report that while making the 3 trial payment PHH also sent me a few letters stating that my account was facing possible forclosure if the forbearance balance was not cleared. I disputed the information with PHH via phone to which countless representatives informed me to ignore the letters as it was standard process. However these letters still were being recieved on my end and I felt in danger of losing my house. I reported PHH to the XXXX XXXX XXXX XXXX services. PHH quickly responded to XXXX in which they expressed mistakes on their part.
Product: Checking or savings account

My mother died on XX/XX/year>. I am the trustee of her trust. US Bank was the bank where the trust account was situated. In the course of dealing with US Bank for my mom with XXXX, I inquired from the bank representative ( XXXX ) regarding my ability to obtain a loan to refinance the debt. Bank Representative told me that I should refinance my mom 's credit line when it matured. I began the refinancing process based on the bank representative telling me that he could get me the best rates possible and that " his bank '' had better terms than other banks, and that I could refi my mom 's line of credit. I then was presented with the paperwork to refinance my mother 's debt, and the bank representative had me sign in multiple places, but did not explain to me that in fact, the paperwork was creating a line of credit utilizing my mother 's trust as collateral, which I never understood or authorized. Then, the bank representative ( XXXX XXXX asked me for a list of all my personal debts, which I gave him, and then, without my knowledge or authority, the bank representative ( XXXX XXXX used my mother 's loan proceeds to pay-off a mortgage I had at XXXX XXXX, amongst other bills I had. The bank 's representatives told me the money used to pay-off my XXXX loan was " my money, '' when in fact, the money was secured by my mom 's trust, which ultimately had to cover the {$56000.00} that was paid to XXXX XXXX. The bank representative then began screaming at me, telling me that he would not help me further, that he refused to run my credit, that he used " soft-math '' to determine that I was not eligible for another loan to pay-off the laon that had just been granted against my mother 's trust. I then went into the local XXXX US Bank Branch in XXXX to inquire about obtaining a loan to pay-off the loan that had just been issued against my mother 's trust, and the XXXX US Bank employees told me that they refused to talk to me because US Bank employeee XXXX XXXX '' told them to refuse my inquiries, which was explained to me by US Bank employee XXXX at the XXXX branch.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2025, I filed a dispute with TransUnion regarding inaccurate and unverifiable information on my credit report. The accounts in dispute include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Despite providing supporting documentation and clearly explaining the inaccuracies, my dispute was wrongly classified as " frivolous '' on XX/XX/year>2025, and the credit bureau refused to conduct a proper investigation. This is a violation of the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), which requires credit reporting agencies to investigate any disputed information unless the dispute is unfounded, which is not the case here.

I further requested specific details of the verification process, as permitted under the FCRA, 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). However, TransUnion did not provide me with this information or demonstrate that it conducted an adequate reinvestigation. Under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ), any information that can not be verified must be removed from the credit report, but these accounts continue to appear without verifiable evidence of their accuracy.

This lack of reasonable investigation and refusal to provide verification evidence has negatively affected my credit profile, causing unjustified financial harm and violating FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ), which requires creditors and furnishers to ensure the accuracy of reported information and conduct full investigations when disputes arise. 

As a result, TransUnion has failed to meet its legal obligations, affecting my credit history and denying me my rights as a consumer under the FCRA.
Product: Credit reporting or other personal consumer reports

I disputed the validity of the information on XXXX and Transunion credit reports pertaining to XXXX XXXX XXXX being inaccurate, unverifiable payment history and balance reporting on my credit reports from both of these agencies and requested that it be deleted in alignment with FCRA. The disputes were submitted through XXXX XXXX website on XX/XX/2024 and neither company has responded or deleted the account from my credit report in the 30 to 45 days of receiving the dispute. The error that is reporting inaccurate has directly affected my ability to be fairly evaluated for credit, housing and employment.
Product: Vehicle loan or lease

There has been statements which have not matched my records and statements which have not been in accordance with the disclosures from SANTANDER CONSUMER USA XXXX that I have received at the consummation of the transaction. I am formal giving notice of this billing error until I receive all documentary evidence. Until this documentary evidence has been received this billing error is a violation of 15 U.S.Code 1666b. 


The billing statement I received by SANTANDER CONSUMER USA XXXX on XX/XX/2020 is a billing error. To clarify and addressed such subject matter contained in this billing statement I am invoking my right to obtain the documentary evidence, in accordance with 15 U.S.C. 44 for the books of account as described in IRS Publication 583. To verify such alleged amounts, I want to see both journal and credits of account and ledger and debits of account to verify the current accounting and taxes associated with this account. Also, I am putting all of the past from the date the account was open, present, and future billing statements in dispute also until I get provided the documentary I am requesting to clarify and address the matter. 



15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done SANTANDER CONSUMER USA XXXX can not report late payments in accordance with regulations of the XXXX12 CFR 1026.13 ( d ) ( XXXX ). If SANTANDER CONSUMER USA XXXX reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b. I am disputing billing error on past billing, from the time the account was open, present, and future until you provide me with the documentary evidence I requested in this statement and therefore it is a violation for all the late payments you posted onto my reports so I need this updated immediately. 

SANTANDER CONSUMER USA XXXX as the creditor may not collect any disputed amount, I the consumer does not need to pay, the creditor can not restrict, accelerate payment or close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Such actions by SANTANDER CONSUMER USA XXXX will forfeit its rights to collect the disputed amount as described in 15 U.S.Code 1666 ( e ) and hold the creditor liable under 15 U.S.Code 1693m for SANTANDER CONSUMER USA XXXX for the actual damage caused to me as well as held to criminal liability pursuant to 15 U.S.Code 1693n for failing to required documentary evidence as requested to clarify and revolve the previously addressed billing error. 

with resolving this billing error, the creditor has legally agreed to forfeit all rights to collect on the amount in dispute pursuant to 15 U.S.Code 1666 ( e ).
Product: Debt collection

In XXXX I applied for an apartment at TXXXX XXXX XXXX XXXXXXXX. I only paid for the application fee and that was it. No contract no lease was ever signed! I called and advised them that I wasn't going to get the apartment and stay where I was. Because they were ticked off at me for not getting the apartment, they put this on my credit report and it's showing a balance of XXXX. I have tried to dispute this with them as well as with the credit bureau and no one is being truthful!
Product: Credit card or prepaid card

On XX/XX/XXXX I submitted a deposit in the amount of {$500.00} to Capital One for a secured credit card. Approximately 2 days before I received my card in the mail I discovered upon receiving my card that Capital One closed my account. They closed my account because 1 of my initial deposits was returned. My bank stated that they never even received the request for the money to be taken out of my account. I put 2 weeks of my hard earned money into this secured credit card so I could build my credit. I trusted capital one. I called to try to get the account reopened. Capital one refused to even review my account. I then asked for a refund of my deposit. I was informed that it would take a minimum of 70 days to refund my money and they couldnt even explain how the refund would be processed. I was depending on this card to fianc my sisters graduation trip. Not only has capital one made it extremely hard on me to get a refund, but they have also made it difficult for me to get a card I thought would be simple to obtain. All I want is my account reopened with the deposit that I sent them. Capital one still took the money out of my account and then after they mailed the card out decided to close my account that I never even got a chance to use 2 DAYS before I was set to receive the card. This is very unfair and Im entrusting in Capital one to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$1600.00} XXXX  XXXX {$940.00} XXXX {$0.00} XXXX XXXX {$460.00} XXXX {$2000.00} XXXX -Balance {$0.00} XXXX {$1300.00} XXXX {$0.00} XXXX {$0.00} XXXX {$0.00} Collection XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$640.00}
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 : XXXX XXXX  Account NumberXXXX  Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX XXXXXXXX Account NumberXXXX Account Name : XXXX  XXXX Account NumberXXXX Account Name : XXXX  Account Number:XXXX  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: 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 address 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, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as unverified information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information 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 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 Bankruptcy XXXX XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not authorize these bankkruptcies. I urge you to conduct a thorough investigation and remove them promptly from my credit report. I have provided supporting documents for your review.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon review of my credit report in XX/XX/XXXX it was brought to my attention there was several accounts that reported negatively that needed my attention. A separate account owned by, XXXX, aka XXXX XXXX XXXX, aka XXXX XXXX, aka XXXX XXXX XXXX, aka Navient owned two of these accounts. I sent a original certified and notarized letter requesting validity on the alleged debt in XX/XX/XXXX to what was XXXX XXXX XXXX, and requested items be deleted per my report if validity not received in the allowed time frame.I did not receive a response letter at any point. I then received a second bill in the end of XXXX as well as the Agency continued to report to all three major credit bureaus on my behalf and also was at this point referencing to themselves as XXXX XXXX XXXX XXXX fka XXXX XXXX I sent a second request for validity XX/XX/XXXX I received a response letter from XXXX XXXX XXXX XXXX C/O Navient stating they are " unable to verify '' and requested more information, requesting additionally social security number and date of birth as well as other information that was provided originally to them already it is my understand of the Fair credit Act that I do not have to provide my date of birth or social security number to them as them are simply trying to verify this is my debt, to collect.I then sent a third certified, and notorized letter requesting a validity including my date of birth XXXX XXXX have not received a response from any of all of the above referenced collection agencies as of today 5 months since original dispute.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX To Whom It May Concern, I am writing to dispute several items on my credit report that contain inaccuracies and potential violations of the Fair Credit Reporting Act ( FCRA ). I kindly request the immediate removal of these items from my credit report. 

1. XXXX XXXX Bankruptcy Case Number : XXXX Violation : Inaccurate Information To the best of my knowledge, this does not belong to me. Please remove it immediately from my credit file. 
2. Unauthorized Credit Inquiry by XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Credit Inquiry I have no recollection of authorizing this credit pull and I demand this to be removed. 
3. Questionable Account Information - XXXX Account Number : XXXX Violation : Inaccurate Information This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
4. Questionable Account Information - XXXX XXXX Account Number : XXXX Violation : Inaccurate Information This accounts name and number are questionable. Either clarify this information to me or delete this account immediately from my credit report. 
5. Unauthorized Credit Inquiry by XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Credit Inquiry I have no recollection of authorizing this credit pull and I demand this to be removed. 
6. Unauthorized Credit Inquiry by XXXX Date of inquiry : XX/XX/XXXX Violation : Unauthorized Credit Inquiry I have no recollection of authorizing this credit pull and I demand this to be removed. 
7. Questionable Account Information - XXXX XXXX  Account Number : XXXX Violation : Inaccurate Information Kindly investigate and make sure this account belongs to me because I can not recognize this business. Please delete this account from my credit report. 
These inaccuracies and unauthorized inquiries have had a detrimental impact on my credit score and my ability to secure financial opportunities. I kindly request a thorough investigation into these matters and prompt action to correct these inaccuracies as required by the FCRA. 

I understand that under the FCRA, you have 30 days to investigate and respond to my dispute. I look forward to a swift resolution and the removal of these erroneous items from my credit report. 

Thank you for your attention to this matter, and I appreciate your assistance in rectifying these discrepancies. 

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

This is just troublesome! The Credit Bureaus have been ignoring my letters as well as their responsibility to comply with the FCRA section 605b! I have been sending dispute letters asking for the Credit Bureaus to remove the dispute accounts and information from my Credit Report for I believe I have been a victim of identity theft. The last letter I sent was dated XX/XX/ 2022 with complete attachments of my personal information such as my Driver 's license as well as the ID THEFT REPORT I received from the FTC. I have been a victim of identity theft and that the Items I am disputing were the results of such crime. By the provisions of the FCRA section 605b, I am submitting this CFPB Complaint to request that the Credit Bureaus remove the following fraudulent items completely from my Credit report as soon as possible : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$230.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$1400.00}. If the Credit Reporting Agencies feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America deliberately lowered my XXXX score because of their errors. I always pay on time. Someone from their department said because I am contesting the fraud and won't do it myself it going to hurt me which it did. They not only ignored my requests to fi the fraud, but they messed up my good credit. I even paid extra in advance so that I would have a negative balance! Certain individuals are corrupt in this company as they have done nothing all along and only made a bad situation worse. They are not responding to anything and just making more problems.
Product: Mortgage

To whom it may concern : I had a loan with Nationstar Mortgage since 2010 I was selling my home and I missed 2 payments and had set up a repayment plan and paid the first of 3 installments. I had an offer on the house as it was for sale and talked frequently with Nationstar as we got closer to closing and even though I missed payment 2 of the payment plan I told them the closing date was just 15 days after the payment was due. Then XXXX XXXX from XXXX called to get payoff and all documents needed for closing, the day after that happened Nationstar all of the sudden put {$4700.00} in legal fees 5 days before closing after I had been in constant contact with them. No one from Nationstar or the Attorney themselves can justify what was done for the {$4700.00} XXXX also looked up my home and there was nothing started or posted about a foreclosure on my home. I have paid off this loan and am disputing with Nationstar about the fees but they are giving me the run around and are not providing any documentation as to what the fees went to. I admit I was behind but i was very open and honest with Nationstar and told them this was a done deal with the sale of the house and the way they conducted themselves and put the fees on right before closing was very questionable.
Product: Credit reporting or other personal consumer reports

I have been disputing Kohls for years ; this account was used in fraud! There is a balance of {$2300.00} that is not mine. Furthermore, they sold my account to a collection agency who removed the account from my credit report due to fraud however, Kohls still is reporting a balance owed!
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I am requesting XXXX XXXX to show a second mortgage account as closed in my credit report and they ignore me. I even talked to them over the phone last year and they recognized it was a mistake and agreed to fix it but the account still shows as an open account in delinquency. This house was sold by the bank by XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Experian does not update any credit reports nor do the y update credit score. Im still looking at my score form XX/XX/year>. I just want updated information