23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

After reviewing an ad on one of those weekly newspaper circulation in XX/XX/XXXX about XXXX XXXX XXXX, I decided to visit the company XXXX XXXX to participate in a trial consultation. The advertisement said permanent but forgot to mention that this applies to XXXX XXXX ( ONLY ) which is what I found out during the ONE and ONLY Visit ( consultation ). 
After smelling like a burnt rat for a couple of hours and discomfort for a couple days. 
I was told by the technician that it would get better after a couple visits. 
After considerable reflection on the Pros and Cons of getting the hair removal, the smell of burnt hair and the pain associated with the treatment, I decided to cancel the contract. 

I was told it would be at NO COST if cancelation was completed within 30 days. 

I personally when back to the XXXX XXXX XXXX and cancelled the treatment they check the system and said it's completed and I will receive a letter in the mail indicating my withdrawal ( cancelation ). 

What came in the mail after the 30 days was a bill for the full amount {$2500.00} I called the number on the bill in an attempt to cancel and I was told that it was too late even though the services and/or treatment was never used, the so called plan was expired in XX/XX/XXXX and by then XXXX /XXXX XXXX  had accrued interest for a total of {$370.00} bringing the bill to a Grand Total of {$2700.00} Since then XXXX  /IXXXX XXXX has changed employees and even though there system still shows that NO Billable Services used or funds debited against this account from inception, they sold the debt to another company by the name of Portfolio Recovery who continues to call every single day since, in an attempt to collect. 

I have tried disputing this charge several times but the phone calls continues. 

My credit is now ruined as a result and it's now difficult to retain a decent interest rate of anything I procure. 
This is unfair and I believe someone should really take a serious look at XXXX XXXX and there reporting practices since they are at an advantage on the rules and regulations with regards to Credit & Fico Scores versus an individual. 

Who gave XXXX  and/or these conglomerates the right to report without the facts being correctly censored. 

This is now affecting my life and the livelihood of my family. 

I refuse to pay because I have NOT used these services yet I am the one being punished by high interest rates and a derogatory credit. 

My question to XXXX XXXX  is where is the {$2500.00} because the cash was never given to me, nor was it used by me as intended? 

XXXX XXXX  principal responsibility should be to return the funds back to XXXX XXXX  as unapplied cash. Why isnt XXXX XXXX not going after XXXX XXXX for there money. 

The default and derogatory credit should have been placed on Ideal Image and/or there account NOT on me, because I never used the services, as I withdrew from the treatment prior to the 30 day window. 

Thank you very much for providing a forum for complaints, not sure what you can do but I am thankful for the support.
Product: Checking or savings account

I made an bill payment using Chase Bank and they confirmed payment was made and withdrawal from my account but seem to always give me problem confirm or verifying the payment or hold the payee or online or debt was paid they should be required to track and prove payment and they do not help me to prove payment was received. XXXX XXXX XXXX have no record of payment but cash the check and they was able to buy my debt of XXXXXXXX XXXX this should be illegal please investigate my request for proof of payment and why there's no payment of listed in XXXX XXXX XXXX XXXX. account of cashing the check for the amount of {$100.00}
Product: Checking or savings account

On XX/XX/2020, I transferred XXXX to an existing online Savings Account I had with XXXX by Goldman Sachs Bank. However, this bank suddenly dropped its rates from 1.05 % to 0.80 % in less than a month and I had to return my money back to its source savings account with a different bank. XXXX sent me an email message informing that the transfer was complete on XX/XX/2020 however the money never showed up at the destination bank as of today XX/XX/2020 XXXX one week )! I've tried to log in to my online account, however I was prompted by a message indicating that my account was locked and requested that I call XXXX. After calling this number multiple times I was prompted by automated messages which could not help me unlock my account. Finally, I was able to speak to a representative who was unable to unlock my account and could not reach out to a banking representative to do so. He advised that he would call me back within two business days.
Product: Credit reporting or other personal consumer reports

XXXX violated my rights under the Fair Credit Act by reporting negative transactions in my consumer report.At no time has he shown me any type of document that supports those negative transactions that are seriously affecting me. This is not the first time I have to tried to resolve the matter. ( XXXX XXXX XXXX XXXX XXXX ) File Identification Number : XXXX XX/XX/23
Product: Credit reporting or other personal consumer reports

I am writing to inform you that this company made unauthorized inquiries on my personal credit report. I have listed the name of the company below, and the dates the inquiries were made. 
XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I had a due date of XX/XX/XXXX, min payment XXXX. I set up weekly payments of XXXX, which were applied XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX. Since the XX/XX/XXXX payment was received & posted after the due date, i believe it should be applied to the XX/XX/XXXX payment. It was NOT.  They said because it was after the due date but before the statement closing date, it could not go towards the following months minimum. the next due date was XX/XX/XXXX. Payments were applied XX/XX/XXXX, XX/XX/XXXX, XXXX, & XX/XX/XXXX. I was accessed a late fee because they say only XXXX payments were received before the due date...even though they had XXXX payments before the statement closing date. If it cannot be applied because of statement closing date then due date & clising date need to be the same.
Product: Debt collection

I got a membership with XXXX on XX/XX/XXXX. The initial payment was for 3 months of service, which was paid. As per the contract part XXXX, " You may cancel your premium membership at any time during the term. '' Unfortunately, I ran into some financial difficulty in XXXX and communicated this to an eHarmony rep via phone on XX/XX/XXXX in which I requested to cancel the membership and informed them that if they did attempt to process payment, it was not going to go through ( and that they were not the only subscription service I was reaching out to cancel ). On XX/XX/XXXX, they proceeded to try and process the payment anyway. They also shut down ALL access to the account, I could not log in even for the " free '' version of the website. I reached out to them by phone and email on XX/XX/XXXX. I was told " As we have now carefully reviewed Customer Cares original denial of your request and found it appropriate, this decision will be final. Unfortunately, we are unable to provide any further consideration of your request '' with no further explanation ( signed XXXX. XXXX  ). I messaged them back within an hour : " Please reconsider cancelling and terminating agreement, I would be happy to get a written cancellation in the mail by the end of this week. Thank you very much ''. This time, I got the EXACT same email, only difference was that this was signed " XXXX XXXX ''. I also mailed a letter to them on XX/XX/XXXX specifically requesting to cancel the account and that, per the contract, I was allowed to ( providing that I didn't want a refund for 2 months ... .remember, I paid for XXXX already ). This time, I got no response, by letter or by email or by phone. So just to make sure, I sent ANOTHER letter to them on XX/XX/XXXX, this time with a print out of their own contract and highlighted portions that showed they could cancel the account and end the membership. Again, I heard nothing. 

In early XXXX, I received a collection notice from XXXX stating that " Your XXXX debt obligation is significantly past due. '' So I followed the instructions on their webpage to request validation of payment. 

Today, I received XXXX 's validation documents. They included the initial summary of the purchase in XXXX. They included XXXX 's email the day after I called asking to cancel the first time ( dated XX/XX/XXXX ), they DID NOT INCLUDE the XXXX emails that contained back and forths between myself and XXXX requesting that the contract be honored, and they also failed to include the letters I sent on XX/XX/XXXX and XX/XX/XXXX respectively. However, they did include XXXX emails which appear to be from XXXX to my email address. I didn't remember anything, so I checked my spam AND my trash in that email account for anything from XXXX. None of the three could be found anywhere ( and during this time, the email account has worked with no problems. The last email that XXXX sent to me is dated XX/XX/XXXX at XXXX XXXX. There was nothing sent on XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX by XXXX or XXXX. They forged documents for a validation.
Product: Credit reporting or other personal consumer reports

A complaint regarding inaccuracies on my credit report concerning a debt that has been charged off by First Premier, which has not provided me with a Form 1099-C ( Cancellation of Debt ) as mandated by IRS regulations . This Company is still reporting this account as income and therefore illegal and needs to be reported to the IRS. Details of the account are as follows : Equifax charged off amount is {$1000.00} and closed as of XX/XX/year>. 

I kindly request your assistance in this matter and ensure that accurate reporting practices are followed. I would appreciate upon your assistance and completion that this account be removed from my credit report, or I will have no choice but to contact the IRS and report FRAUD on this account. Please provide me proof that this account was deleted from my credit report within 30 days of filing this complaint, or this company will leave me no recourse but to proceed to the next course of action.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account XXXX XXXXXXXX account name is 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 my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer reporting Clarity have been reporting a charge off on my consumers report which is illegal and innacurate because a charge off is considered cancelled debt and the IRS considered cancelled debt as gross income. Income can not be reported on a consumers report. This is libel defemation, these consumer reporting agencies are reporting something that is not supposed to be on a consumers report so other parties can see. This can cause financial and emotional damage. Other parties seeing this can question my financial responsibility off of something thats not suppose to be reported. Income isnt suppose to be reported on a consumers report and also consumer reporting agencies must follow FRCA and FRCA 15USC 1681 states for a consumer reporting agency to furnish something on my report they need my written permission. I never sent a written permission stating I wanted this reported. The consumer reporting agencies are reporting inaccurate information which is reporting income on a consumers report when in fact its not supposed to be reported occurring to the IRS, furnished something that I never gave written perrmisission /consent on. Envaded my privacy. According to the laws that these consumer reporting agencies broke, they defamed me. They are reporting information so third parties can see and see a wrong impression which will ruin my reputation question my financial responsibility, this will cause financial and emotional stress.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Balance : {$68000.00}
Product: Payday loan, title loan, or personal loan

This company has sent several individuals to show up at my house on a daily basis. They give out information about the debt to other people that are not me in order to embarrass me to pay. This harassment has been going on for month. I also get daily calls from different numbers and they never state who they are in voicemails. Once i return that call they tell me who they are and are very hostile.
Product: Student loan

Account placed on administrative forbearance with no explanation from Mohela. ( XX/XX/ ) Need this resolved asap
Product: Credit reporting or other personal consumer reports

I have requested a 1099 from XXXX XXXX XXXX XXXX Account XXXX. I haven't received any response after 30 days. I now sent a certified letter requesting 1099 for the Charged off account. 
At the time I was laid off from work. I fell behind on all financial obligations. 

Attached to this complaint is my 2nd attempt after 30 days. That this company has not responded to retrieve the 1099 fir this XXXX year certified charged off account.
Product: Credit reporting

When asked to verify my identity with various questions, the questions were not correct and the answers I gave were not correct although I know them to be the correct answers to questions asked. I therefore can not have my identity verified nor receive my credit reports.
Product: Credit reporting

I have tried for at least 8 months to get items that are incorrect and or not mine removed and they seem to do whatever they want with my credit. I am having a major issue with Experian performing an actual legal Dispute investigation they are violating my rights by not complying with my legal right to request any or all documents i request in my file, they are completing disputes but not providing me the original documents verifying these claims. This is a written request that you investigate items that I believe to be reported in error.
Product: Credit reporting or other personal consumer reports

I used the Experian website to check my credit score and selected a free account. And then a few days later Im not sure exactly how many but today is XX/XX/XXXX and a payment was declined for {$27.00}. 
I received this message that brought the situation to my attention : XXXX  FRAUD ALERT : XXXX  will NEVER CALL you for a fraud or declined transaction. Did you try to use your XXXX  card ending XXXX for {$27.00} at 'Experian* Credit Report ' on XX/XX/XXXX? Reply Yes or No. I replied no. 
Sent at XXXX central time. 
XXXX : I was directed to this phone number from the app when I was unable to do anything on the app or webpage other than update my payment information. I called this number at XXXX XXXX  and was on the phone for three minutes. An automated system asked me to enter my full Social Security number, to enter my ZIP Code, and to enter the numbers related to my street address. I was already skeptical, but did this anyways. Then I was connected immediately with a customer service representative who first asked me for my full Social Security number, and I hesitantly gave it to them and then asked me for my birthday and I thought about it and then I just hung up on them because most places will tell you that you dont need to give out that information. I know that they will just keep charging me this amount every month, evey year, or every week while the amount that I owe will just keep getting larger and larger if I dont cancel. I got onto XXXX and most people said that they couldnt get in touch with anyone at all so that made me a little more worried that I had fallen victim of a scam or fraud. Then a chain of people had said they found some loophole, but that sounded very suspicious as well.Experian is a brand name that I had previously felt secure using, but I am very disappointed. I am also surprised to see that they have2.4 million five star ratings and theres such a large sub XXXX  about people having this issue.
Product: Credit reporting or other personal consumer reports

This account XXXX XXXX XXXX XXXX account XXXX is reporting on my credit report as a charge off. Attached is documentation that release me from this obligation.
Product: Credit reporting or other personal consumer reports

RE : Late Payment Improperly Reported- I XXXX XXXX have a RIGHT TO PRIVACY under 15 USC 1681A ( 4 ) as a federally protected consumer and I know my rights presented under the Fair Credit Reporting Act clearly outlined within 15 USC 1681. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So, whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n and 15 USC 1681o, which allows for {$1000.00} per violation, for account listed without my expressed written consent. I was reviewing my consumer reports and noticed XXXX XXXX NA XXXX on my credit report that need be immediately updated to paid as agreed. My Consumer rights have been violated by your agency. Your agency has violated my consumer rights and violated federal law. This is now multiple attempts to notify you of this erroneous error on the part of your agency. This erroneous late payment is affecting my ability to obtain a loan to save my business from crumbling and also blocking me from the housing that I so desperately need for myself and my family. Please change this to paid as agreed immediately so that I may proceed with my life, or I may be forced to seek legal damages against your agency as I already have sought legal counsel in this more than important matter. Thank you.
Product: Debt collection

This agency is in violation of 15 USC 1692g. They were to have notified me of this in writing 5 days ago, but XXXX years prior, I wasn't notified. As the original creditor, only validate this debt. I do not validate this debt ; therefore, the following accounts must be deleted from my report immediately. 
List of accounts to be deleted. 
Wells Fargo XXXX # XXXX ( XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX XXXX, Date open XX/XX/XXXX, original charge-off : {$5600.00} Charge- off WELL FARGO CARD SERVICE # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I called to see if they can lower my payments based off of my income and the representative told me that all they can do is lower it to XXXX. I told her but I cant afford that. I was told nothing can be done. My credit was affected for XXXX  months. I did call back and got someone else and she told me that things were not correctly and your income was not submitted in a calculator they use. I was able to get my payments down but now I have that on my credit when I tried to figure out options to help me pay the loan down.
Product: Credit card

I received an email on XX/XX/2024 that my payment on my credit card was past due for the month of XXXX. I enrolled in autopay so I was surprised by this. I tried to make the payment online but my bank that was set up for autopay was deleted so there was no way I could make the payment online. I had re-set up my external bank account for payments and wait for verification of trial deposits before I could make the payment. This is the same bank account as I've used in the past to make payments, the XXXX statement payment was made from this bank account. I called to find out why my autopay was deactivated, the representative could not give me an explanation. She said that the only that that could happen is if I - the customer- had asked to have it deactivated. I read her a notification that I found on my bank account that said that my autopay service was deactivated due to " a change in the status of my account '' and she told me that they deactivated it because I was late on a payment. The explanation made no sense as I was only late on the payment because they deactivated it. They then told me that my account is in good standing, so they could not explain why it was deactivated. The representative was able to waive my late payment and interest charges but I did not receive an explanation as to why Bank of America deactivated my autopay. I am also now noticing that they removed my phone number on file which i use for 2 step authentication. After doing some digging it appears that my autopay was disabled on the same day that I requested to have my personal checking account with bank of america closed. I was not warned that closing my checking account would result in deactivation of autopay. To be clear, the checking account i use for autopay is NOT the same as the account closed with bank of america, it is an external checking account. When I called to make the request to close the BOA checking account, I told them it was because I no longer had enough funds to meet the monthly minimum or direct deposit and I could not afford the monthly maintenance fees. I am submitting this complaint because I suspect BOA is doing this to other customers, deactivating their autopay without reason and unless a customer fights back, then they get to collect on late fees an interest charges. It also feels retaliatory for them to deactivate my autopay because I decided to no longer use their banking service for personal checking.
Product: Credit card

The merchandise was damage, and wrong color. I submitted the information to synchrony bank, and XXXX, with pictures and statement. The merchandise was picked up, and returned to Rooms to Go, which they sent me a statement. I disputed at least XXXX  times, but parties still say i owe, for a merchandise that i don't have.