23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I used Care Credit  Synchrony Bank to charge procedure with XXXX XXXX XXXX XX/XX/2021. I ended up with unacceptable results that still needs additional revision. 

Ive have an entire photo album tracking progress ; and have given the issue more than recommended amount of time to see final results. 

According to the website there is mention of skin tightening and even the specific quote that the skin is always left tighter than before. My result is the opposite. Skin tightening was not the reason I had this procedure. It was too remove the XXXX for an improved contour ; however, it was definitely not to leave the skin worse and less tight then I started ; especially when skin tightening is promoted as a side benefit. 

Im not looking for a perfect outcome. Im looking for a result that leaves me looking better than I started off. The result is not subjective. It is clear Ive been left with a worse issue then I came in. I have pictures and video to prove this. 

XXXX  after pictures as well still show significant slope of profile not really an improved contour. Ive seen some improvement in the profile after the XXXX XXXX but that is not as result of XXXX. I have appointment now to work with cosmetic consultant to help guide me in next steps so I can have proper revision/correction. 

If there is nothing that XXXX believes they can do ; I dont understand why there can not be a internal negotiation on a fair price since I have been left with a worse result that now needs revision procedures to fix. They are u willing to do anything ( opposite of what I was originally advised ) saying they believe I have a great result. I even went back to see another XXXX there per their request and he even said he has not had patients with this result and advised possible things I could look into for additional revision. 

Anyone who sees my pictures it is clear I have issue didnt have before. Even if it is not something XXXX can fix ( which they advised they can not ) then why would they not in good conscience work with me to achieve a resonance outcome. I understand I take some of the risk in a cosmetic procedure, I am more than willing to pay the surgical fees etc, but to pay {$6000.00} total to be left with horrible results that needs a revision is not acceptable. 

I am attaching a few of probably the hundreds of photos I have taken tracking the progress.
Product: Money transfer, virtual currency, or money service

On XX/XX/year> I sent a XXXX XXXX  using the XXXX XXXX XXXX to XXXX XXXX in the amount of {$150.00}. It was found that this was a scam where XXXX did not deliver what was promised ( flooring ). 

XXXX has not responded to any texts or calls and has stolen {$150.00}. 

The issue with Chase is that they are offering no protection on any transaction through their mobile app stating all transactions that are done via XXXX  are the same as giving someone cash. 

I fully reject this statement. There is a level of trust through Chase with their customers using their app thinking they are protected when they indeed not. The Chase XXXX  also shows if the recipient is signed up with XXXX  which also implies the user is trusted. Overall, this is extremely misleading for chase mobile customers. 

Chase and XXXX are knowingly allowing criminals to use their apps with no regards for their customers. This needs to end and they need to held accountable. 

I also know that JPMorgan Chase is threatening to sue the CFPB https : XXXX Keep fighting for the people and not the titans of industry. They are NOT doing the right thing!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fare credit bureau act this creditors SYNCB/Belk/Dual XXXX XXXX XXXX has violated my rights, under 15UCSC 1582 section 602 stating I my rights to privacy, 1581a section 1604a section 2 a states that a consumer reporting agency can not furnish an account with out my writing instructions, 15USC 1666b states a creditor my not treat a payment on a credit account card under an open and consumer credit plan as late for any purpose. I want it to be removed and bill canceled.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX and XX/XX/XXXX 2017, Equifax allowed malicious actors to obtain my personal information, including my social security number, date of birth, and previous addresses. I utilized their website ( www.equifaxsecurity2017.com ) and was informed that my information was likely caught up in the attack. Their failure to adequately secure this information has put me and millions of others at risk of identity theft for the rest of our lives. I have now paid {$50.00} to freeze my credit with all three bureaus as well as XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

According to the FCRA 15 USC 1681 ( e ) ( b ), my credit report should display the maximum possible accuracy. However, this is not the case because this credit reporting agency is purposely violating my consumer 's right by displaying numerous inaccuracies for this account which is negatively affecting my creditworthiness. 

Attached is the proof of this consistent VIOLATION of my consumer 's right in which this Charged Off account is being reported as " XXXX  '' in the payment history/summary consecutively for the last 4 months which is impossible because the account can ONLY be charged off ONCE since it is dormant, not month after month. Due to this reported inaccuracy, this illegally resets the statute of limitations which once again is a VIOLATION! 

Please delete this account immediately! 

Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number : XXXX
Product: Mortgage

I recently refinanced to leave Mr Cooper/Nationstar. Mr Cooper/ Nationstar received my payoff on XX/XX/2018. They returned the payoff to the title company. XXXX from Mr Cooper/Nationstar told my new bank and title company that money from my escrow could be used to complete the payoff. The payoff was sent back and a late payment was added to my credit report. 

This is a false report on their behalf, they received my payoff in time, and did not attempt to call me, send me an email, or any other correspondence to let me know the payment was to be returned. 

This was not the first time this had happened. Making regular monthly payments they would lose the payment in some sort of suspension account and charge fees. 

To try to have my issues resolved, I would call the customer service line. The representatives answering the phone seemed lost/confused and never seemed to have records of previous communication. I would then be placed on long holds to wait for an escalation specialist, who would not call back after promising to follow up with status updates. This happened many times. 

Finally I get away from the company and they misreport on my credit file
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE FRAUDULENT ACCOUNTS THAT ARE LISTED ON MY CONSUMER REPORT THAT I HAVE NEVER OPENED NOR SIGNED MY SIGNATURE FOR. MY INFORMATION WAS USED IN A DATA BREACH BECAUSE I HAVE NO BUSINESS WITH THESE COMPANIES
Product: Debt collection

LVNV FUNDING LLC has won a court order against me by default but I never received any mail about it. They did not have my current address on file at the time. 
I was paying {$50.00} per month for an alleged credit card debt owed in the amount of {$1300.00}. Per many inquiries made with the credit bureaus, the company still has not provided proof of validation with my original signature. The information is on my 3 bureau credit reports and is affecting my ability to apply for a loan. 

I ask that the company removes the negative information of my credit reports and refund the money they took from my account for payments, in form of a check. The current balance owed is listed as {$1100.00}.
Product: Credit card

I went in to XXXX XXXX on XX/XX/2023 where I was greeted by a female sales representative. I walked around while she basically harassed and followed me through the store. I then decided to engage and ask questions about a specific couch and XXXX accent chairs. I decided to buy them and she went over the financing options. Told me I had to sign a piece of paper to see if I qualified for XXXX XXXX as I repeatedly said I did NOT want a credit card. She told me I had been approved for the non credit option and I left the store. Told me if I paid before delivery of furniture then the XXXX XXXX  option would not show up on my card. I paid the furniture in full XX/XX/2023. Today, XX/XX/2023 I went to XXXX XXXX, greeted by a male sales representative I was looking at couches. Decided on XXXX and same thing. I made it clear I did not want a credit card. He insisted it was not a credit card or charge card. Said it was an account to hold the furniture. After asking more questions he admitted he had opened a credit card. I was immediately upset that he had lied and told me not to worry about it. That the card would close in XXXX yrs if I did not use it. I was so mad I told him I didnt care about that, I said that they shouldnt lie to consumers and saying they are doing one thing and then open a credit card after I was very clear I did not want one. I then checked my credit report and noticed the first card opened on XX/XX/2023 and I realized they are harassing customers and opening credit cards under false information. The same thing XXXX XXXX got in trouble for. This is Fraud. And this card was opened by fraudulent sales representative of XXXX XXXX and XXXX XXXX in XXXX XXXX Indiana. Both cards have a limit of XXXX. They are targeting minorities to commit these fraudulent acts due to the lack of credit literacy as well as marketing these credit cards as XXXX XXXX XXXX programs.
Product: Credit reporting or other personal consumer reports

Issues with Reporting by XXXX XXXX Missing Data in Payment History : The payment history for this account contains multiple entries of ND ( No Data ), including critical periods in XXXX, XXXX, XXXX, and XXXX. 

For example, XXXX, XXXX, XXXX, XXXX, and XX/XX/XXXX show missing data, and the months leading up to the charge-off date ( XX/XX/XXXX ) also lack proper reporting. This incomplete reporting violates 15 U.S.C. 1681e ( b ), which requires the maximum possible accuracy of reported information. 

Timeline Inconsistencies : The last payment on the account was made on XX/XX/XXXX, but XXXX XXXX delayed charging off the account until XX/XX/XXXX. Federal banking regulations require charge-offs within 180 days of the first missed payment. 

This prolonged charge-off timeline and lack of detailed reporting for this period raise concerns about potential regulatory violations and inaccurate reporting. 
Charge-Off Balance Discrepancy : The charge-off balance is reported as {$1200.00}, while the original credit limit was {$800.00}. 

This unexplained difference of {$430.00} suggests that fees, penalties, or interest may have been added improperly. XXXX XXXX has failed to provide a breakdown of the balance, violating 15 U.S.C. 1692f ( 1 ), which prohibits the collection of unauthorized fees. 

Failure to Resolve Previous Disputes : The comment on my credit report states : " Account previously in dispute investigation complete, reported by data furnisher. '' However, XXXX XXXX has not provided the required documentation to substantiate their claim of accuracy or address my specific concerns regarding missing data and discrepancies. 
Relief Requested I respectfully request the CFPB to : Investigate XXXX XXXX reporting practices and ensure compliance with the Fair Credit Reporting Act ( FCRA ) and other relevant laws. 
Require XXXX XXXX to provide : A full breakdown of the {$1200.00} charge-off balance, including all fees, penalties, and interest. 

A corrected and complete payment history for the account, including all months currently marked as " No Data. '' If XXXX XXXX can not substantiate their claims or validate the account details, remove the account entirely from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB LATE PAYMENT There seems to be an error on my consumer report furnished by XXXX XXXX XXXX and XXXX XXXX XXXX. On my consumer report, there is a late payment reported which is causing me damage to me as a consumer and limiting my ability to extend credit. I allege that XXXX XXXX services and XXXX auto XXXX is willfully and knowingly furnishing inaccurate information and defaming my character as a form of extortion. According to 15 U.S. Code, A creditor may not treat a payment on a credit card account under an open-end consumer credit plan late for any purpose. According to 12 CFR Appendix B to Part 1022 I never received any the model notices stating that any negative information would be furnished to my consumer report. Why is this inaccurate information being reported when I have never received notice of the information and congress has stated there shouldnt be any late payments? Is XXXX XXXX services and XXXX XXXX XXXX attempting to cause some form of harassment to me and violate my right as a consumer purposely? I was never given a reasonable way to opt or limit sharing my creditworthiness according to their privacy policy. Payment defined under 15 U.S Code 78m Payment is define as commercial development of oil, natural gas, or minerals therefore what form of payment has XXXX XXXX XXXX and XXXX XXXX XXXX has been excepting for the last years of under the United States Code it is define as commercial development of oil, natural gas, or minerals? 
Is there a yield of the investment on the account due to me? Has the true nature and fitness of the agreement been provided to me? The inaccurate, false and fraudulent information being furnished on my personal consumer report needs to be corrected immediately as it is causing damage and defaming my character. I am demanding a response within an appropriate time of XXXX business days to answer each concern I have raised in this complaint or I allege that there is a due yield of investment that has been misapplied as a billing error and shall be Returned back to me.
Product: Student loan

I attended  XXXX   XXXX  from  XXXX   XXXX  until the  XXXX  of  XXXX . During this time I took out private student loans from the lender  XXXX   XXXX   ( this is now Navient ). I took out a significant amount of money over these years. I really did n't understand the process of paying it back  and I thought they would work with me based on my income. I have done multiple forbearances over the years and it seems they are also charging me additional fees. They told me I know longer qualify for any programs and they are requesting a payment beyond my means. They are threatening to put a lean on my parents home. My father is on a fixed income, as he was when these loans were taken out. My credit is destroyed and I do not know what to do. Please help me.   Thank you,  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am getting multiple HARD INQUIRIES on my XXXX app.

1. XXXX XXXX XXXX XXXX 2. XXXX 3. XXXX XXXX XXXX  4 . Oportun/Progreso Financial I am also getting denial for credit from others a. XXXX XXXX XXXX XXXX  b. XXXX XXXX XXXX XXXX I never made these inquiries.
Product: Credit reporting or other personal consumer reports

Hello CFPB, I am writing to bring to your attention a matter of concern regarding the reporting of an account in my credit history, specifically XXXX XXXX XXXX - Acct # : XXXX. 

It has come to my attention that XXXX deleted this account from my credit history on XXXX XXXX XXXX  I am seeking clarification on the difference in reporting between the two credit bureaus. I am curious about the methods employed in their investigation and verification process, as XXXX has deemed this account unverified and misleading. 

I am keen to understand how XXXX and TransUnion can assert the accuracy of the reported information, given that a major credit bureau has already removed it from my credit report. If the data originates from the same creditor, it raises questions as to why different results are being reported. 

I insist to delete XXXX XXXX XXXX - Acct # : XXXX, due to the following reasons. 

1. It has already been proved inaccurate by XXXX as the result of why they have to remove this invalid & erroneous account from my record. 

2. When you compare reports from one consulting agency to another, you can see a big discrepancy of the following : Date Opened : XXXX  ( TransUnion ) - XXXX XXXX XXXX XXXX Date Last Active : XXXX ( TransUnion ) - XXXX XXXX XXXX XXXX  Date of Last Payment : XXXX  ( TransUnion ) - XXXX XXXX According to the FCRA law, under the Compliance Procedure, when a credit reporting agency creates a credit report for a consumer, they must take reasonable steps to ensure that the information in the report is as accurate as possible. They need to do everything they can to get the facts straight and avoid mistakes. This includes checking sources, verifying information, and making sure they have the most up-to-date information available. 

In other words, the credit reporting agency has a responsibility to make sure that the information in my credit report is correct and reliable. They can't just put anything they want in my report without making sure it's true. If they find out that something is wrong, they have to fix it right away. 

Additionally, I also want to bring to your attention the inaccuracy of my personal information, specifically on the following category : Date of Birth Current Address Previous Address Employers This actually made me wonder as to how you obtain my information and the items you are reporting on my credit report if my personal information were factually INCORRECT!
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score ( XXXX, XXXX ) In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account that went into overdraft with XXXX XXXX XXXX XXXX  back in XXXX. Due to the COVID XXXX home restrictions, I was unable to go into the bank to make a deposit. Once I did - they stated they could not accept my deposit. I never heard back from them nor did they send anything about the account being in the negative via mail. No notification or anything. I applied for a new account with my credit union and they said I was reported to Chexsystems by XXXX XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

I'm a victim of a sham investigation from Equifax credit reporting agency. They have not done a real investigation, but rather only relied upon the response from the creditor and basting. Their investigation solely on a fault. E oscar system that is not accurate please delete all items that's listed in my documents immediately. Please see documents in attachments this dispute was not made in error.
Product: Debt collection

We have tried to get Washington Federal to stop all calls to our home and cell phones. We are in the process of getting our finances in order, and request a full cease and desist other that written communications only.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, On XX/XX/XXXX, I sent correspondence with my current driver 's License and utility bill via Priority mail see attached receipt, to Experian Credit Reporting. Again notifying them of incorrect, outdated and unsubstantiated addresses, employment and Public Records information they have been erroneously have been reporting in my credit file. 
I received confirmation of them receiving my request a week or so later saying they would be getting back to me with the results within 30 days. They agreed to remove some of the items I disputed. I never got an udated copy of my credit report from Experian. I went on their website as of XXXX, the items including the fraud statement are still on my report. have been asking them to remove the XXXX XXXX and inaccurate XXXX XXXX since XXXX and is still there along with the other items I disputed. 

I filed a complaint with CFPB on XXXX, due to no action by Experian ovr 60 days from my request on XXXX. Your agency contacted them and Experian said it would be another 15 days. Nothing happened, another 15 days were requested and has now sinced passed. It has been over 4 months since my recent request and over 2 years and 120 days since my XX/XX/XXXX request and complaint. 

Experian has now said they will remove the false information but I must again send in Identification. I have done so not less than 4 times over the last two years. 
Experian must remove the fase information according to Fair Reporting Laws.
Product: Mortgage

For the month of XX/XX/2020, only, I had no revenue from renting the spare room which covers my mortgage. I reached out to a charity organization and they paid {$550.00} of my {$700.00} XXXX mortgage payment the payment was received by PHH mortgage actually three days early and the rest of the payment of {$150.00} was received on XX/XX/XXXX, paid by myself. Instead of treating this as a normal on time payment that was sent in by two sources instead of one, they decided to take the {$550.00} and use it to pay a late fee of $ XXXX thats been on the account for 12 years. ( I will pay this $ XXXX fee on the back end since its not accruing interest or late fees. ). PHH has been aware of this for some time. Now is not the time for PHH to try to do a money  grab. They also charged me another {$77.00} in new late fees for a the payment wasnt even late, yet. I asked them to make the necessary corrections but I see they have not done it.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 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 participated in the Student loan rehabilitation program due to my student loan ( s ) being in default. I made the necessary 9 payments successfully and was never late paying. I completed the program which brought my loans out of default and any late payments would be removed. The late payments are still showing on my credit report for all three bureaus. I have disputed multiple time without any success. They refuse to update my payment history and their response is they verified with the one who furnished my loan. I know that to not be correct because XXXX was the one handling my defaulted loan and I have the letter from them informing me that I successfully completed my rehabilitation. The credit bureaus did not investigate this information and they listed a generic statement TransUnion and XXXX list the name as XXXX/XXXX and XXXX list the name as XXXX/XXXX. This is very frustrating because it is preventing me from obtaining the loan needed to purchase my home.